Minnesota § 65A.285 SURCHARGE PROHIBITION

Minnesota Statutes

§ 65A.285 — SURCHARGE PROHIBITION

Minnesota § 65A.285

PartINSURANCE

Ch. 65AFIRE AND RELATED INSURANCE

This text of Minnesota § 65A.285 (SURCHARGE PROHIBITION) is published on Counsel Stack Legal Research, covering Minnesota primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook

Minn. Stat. § 65A.285 (2026).

Text

Subdivision 1.Surcharge prohibition. An insurer may not impose a surcharge on homeowners insurance solely as a result of a consumer inquiry. Subd. 2.Definitions. For purposes of this section:

(1)"consumer inquiry" means a telephone call or other communication made to an insurer that does not result in a paid claim and that is in regard to the general terms or conditions of or coverage offered under an insurance policy. The term includes a question concerning the process for filing a claim and whether a policy will cover a loss; and

(2)"surcharge" means an increase in premium for a policy, including the removal of a claim-free discount.

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Subdivision 1.Surcharge prohibition.
An insurer may not impose a surcharge on homeowners insurance solely as a result of a consumer inquiry.

Subd. 2.Definitions.
For purposes of this section:
(1) "consumer inquiry" means a telephone call or other communication made to an insurer that does not result in a paid claim and that is in regard to the general terms or conditions of or coverage offered under an insurance policy. The term includes a question concerning the process for filing a claim and whether a policy will cover a loss; and
(2) "surcharge" means an increase in premium for a policy, including the removal of a claim-free discount.