North Carolina HB 81: Increase Halifax County Board of Education Compensation.

Bill Text

GENERAL ASSEMBLY OF NORTH CAROLINA
SESSION 2025
H 2
HOUSE BILL 81
Committee Substitute Favorable 3/20/25

Short Title: Restrict Use of Vehicle Telematics. (Public)
Sponsors:
Referred to:
February 11, 2025
*H81-v-2*
A BILL TO BE ENTITLED 1
AN ACT REQUIRING NOTICE AND CONSENT BEFORE AN INSURANCE INSTITUTION 2
OR AGENT MAY USE VEHICLE TELEMATICS. 3
The General Assembly of North Carolina enacts: 4
SECTION 1. Article 39 of Chapter 58 of the General Statutes is amended by adding 5
a new section to read: 6
"§ 58-39-33. Use of vehicle telematics. 7
(a) Notice and Consent Required. – An insurance institution or agent shall not collect, 8
receive, sell, share, or otherwise use vehicle telematics regarding an applicant or policyholder 9
without first doing all of the following: 10
(1) Notifying the applicant or policyholder how the vehicle telematics will be 11
used. 12
(2) Obtaining the consent of the applicant or policyholder in writing. 13
(3) Notifying the applicant or policyholder that consent may be revoked at any 14
time. 15
(b) Revocation of Consent. – Any applicant or policyholder providing consent pursuant 16
to this section may revoke consent at any time. An insurance institution or agent collecting, 17
receiving, selling, sharing, or otherwise using vehicle telematics shall (i) provide an applicant or 18
policyholder with reasonable means to communicate revocation of consent and (ii) effectuate the 19
revocation of consent within 24 hours of its communication. 20
(c) Penalty. – A violation of this section constitutes both an unfair trade practice under 21
Article 63 of this Chapter and an unfair and deceptive trade practice under G.S. 75-1.1." 22
SECTION 2. G.S. 58-39-15 reads as rewritten: 23
"§ 58-39-15. Definitions. 24
As used in this Article: 25
(1) "Adverse underwriting decision" means:Adverse underwriting decision. – 26
a. Any of the following actions with respect to insurance transactions 27
involving insurance coverage that is individually underwritten: 28
1. A declination of insurance coverage;coverage. 29
2. A termination of insurance coverage;coverage. 30
3. Failure of an agent to apply for insurance coverage with a 31
specific insurance institution that an agent represents and that 32
is requested by an applicant;applicant. 33
4. In the case of a property or casualty insurance coverage: 34
I. Placement by an insurance institution or agent of a risk 35
with a residual market mechanism, an unauthorized 36

General Assembly Of North Carolina Session 2025
Page 2 House Bill 81-Second Edition
insurer, or an insurance institution that specializes in 1
substandard risks; or 2
II. The charging of a higher rate on the basis of 3
information that differs from that which the applicant 4
or policyholder furnished; orfurnished. 5
5. In the case of a life, health, or disability insurance coverage, an 6
offer to insure at higher than standard rates. 7
b. Notwithstanding subdivision (1)a. of this section, none of the 8
following actions shall not be considered adverse underwriting 9
decisions, but the insurance institution or agent responsible for their 10
occurrence shall nevertheless provide the applicant or policyholder 11
with the specific reason or reasons for their occurrence: 12
1. The termination of an individual policy form on a class or 13
statewide basis;basis. 14
2. A declination of insurance coverage solely because such 15
coverage is not available on a class or statewide basis; orbasis. 16
3. The rescission of a policy. 17
(2) "Affiliate" or "affiliated" means a Affiliate or affiliated. – A person that 18
directly, or indirectly through one or more intermediaries, controls, is 19
controlled by, or is under common control with another person. 20
(3) "Agent" has Agent. – Agent has the meaning as set forth in G.S. 58-33-10, 21
and includes limited representatives, limited line credit insurance producers, 22
limited lines producers, insurance producers, and surplus lines licensees. 23
(4) "Applicant" means any Applicant. – Any person who seeks to contract for 24
insurance coverage other than a person seeking group insurance that is not 25
individually underwritten. 26
(5) "Consumer report" means any Consumer report. – Any written, oral, or other 27
communication of information bearing on a natural person's credit worthiness, 28
credit standing, credit capacity, character, general reputation, personal 29
characteristics, or mode of living that is used or expected to be used in 30
connection with an insurance transaction. 31
(6) "Consumer reporting agency" means any Consumer reporting agency. – Any 32
person who:who does all of the following: 33
a. Regularly engages, in whole or in part, in the practice of assembling 34
or preparing consumer reports for a monetary fee;fee. 35
b. Obtains information primarily from sources other than insurance 36
institutions; andinstitutions. 37
c. Furnishes consumer reports to other persons. 38
(7) "Control," including the terms "controlled by" or "under common control