41-1843 — INSURANCE RATES AND CREDIT RATING

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                                  TITLE  41
                                  INSURANCE
                                  CHAPTER 18
                            THE INSURANCE CONTRACT
    41-1843.  INSURANCE RATES AND CREDIT RATING. (1) No insurer regulated
pursuant to this title shall charge a higher premium than would otherwise be
charged, or cancel, nonrenew or decline to issue a property or casualty policy
or coverage based primarily upon an individual's credit rating or credit
history.
    (2)  As used in this section, "based primarily" means that the weight
given by the insurer to an individual's credit rating or credit history
exceeds the weight given by the insurer to all other criteria considered in
making the decision to charge a higher premium or to cancel, nonrenew or
decline to issue an insurance policy.
    (3)  This section shall apply only to property or casualty insurance, as
defined in chapter 5, title 41, Idaho Code, to be used primarily for personal,
family or household purposes.