evidence_text: Rep. Whitsett moved to amend the bill as follows:
  
  1. Amend page 5, line 27, after “persons.” by striking out the balance of the subsection and inserting:
  
  “(3) An insurer, including, but not limited to, an insurer that writes insurance as described in subsection (2) and an insurer that is exempted from any of the requirements of this chapter for any reason, shall not establish or maintain rates or rating classifications for automobile insurance based on a factor that is not allowed, or that is prohibited, under section 2111.”.
  
  2. Amend page 8, following line 1, by inserting:
  
  “Sec. 2111. (1) Notwithstanding any provision of this act or this chapter to the contrary, classifications and territorial base rates used by an insurer in this state with respect to automobile insurance or home insurance shall must conform to the applicable requirements of this section.
  
  (2) Classifications established under this section for automobile insurance shall must be based only on 1 or more of the following factors, which shall must be applied by an insurer on a uniform basis throughout this state:
  
  (a) With respect to all automobile insurance coverages:
  
  ( i ) Either the age of the driver; the length of driving experience; or the number of years licensed to operate a motor vehicle.
  
  ( ii ) Driver primacy, based on the proportionate use of each vehicle insured under the policy by individual drivers insured or to be insured under the policy.
  
  ( iii ) Average miles driven weekly, annually, or both.
  
  ( iv ) Type of use, such as business, farm, or pleasure use.
  
  ( v ) Vehicle characteristics, features, and options, such as engine displacement, ability of the vehicle and its equipment to protect passengers from injury, and other similar items, including vehicle make and model.
  
  ( vi ) Daily or weekly commuting mileage.
  
  ( vii ) Number of cars insured by the insurer or number of licensed operators in the household. However, number of licensed operators shall must not be used as an indirect measure of marital status.
  
  ( viii ) Amount of insurance.
  
  (b) In addition to the factors prescribed in subdivision (a), with respect to personal protection insurance coverage:
  
  ( i ) Earned income.
  
  ( i ) ( ii ) Number of dependents of income earners insured under the policy.
  
  ( ii ) ( iii ) Coordination of benefits.
  
  ( iii ) ( iv ) Use of a safety belt.
  
  (c) In addition to the factors prescribed in subdivision (a), with respect to collision and comprehensive coverages:
  
  ( i ) The anticipated cost of vehicle repairs or replacement, which may be measured by age, price, cost new, or value of the insured automobile, and other factors directly relating to that anticipated cost.
  
  ( ii ) Vehicle make and model.
  
  ( iii ) Vehicle design characteristics related to vehicle damageability.
  
  ( iv ) Vehicle characteristics relating to automobile theft prevention devices.
  
  (d) With respect to all automobile insurance coverage other than comprehensive, successful completion by the individual driver or drivers insured under the policy of an accident prevention education course that meets the following criteria:
  
  ( i ) The course shall must include a minimum of 8 hours of classroom instruction.
  
  ( ii ) The course shall must include, but not be limited to, a review of all of the following:
  
  (A) The effects of aging on driving behavior.
  
  (B) The shapes, colors, and types of road signs.
  
  (C) The effects of alcohol and medication on driving.
  
  (D) The laws relating to the proper use of a motor vehicle.
  
  (E) Accident prevention measures.
  
  (F) The benefits of safety belts and child restraints.
  
  (G) Major driving hazards.
  
  (H) Interaction with other highway users, such as motorcyclists, bicyclists, and pedestrians.
  
  (3) Each insurer shall establish a secondary or merit rating plan for automobile insurance, other than comprehensive coverage. A secondary or merit rating plan required under this subsection shall must provide for premium surcharges for any or all coverages for automobile insurance, other than comprehensive coverage, based upon on any or all of the following, when that information becomes available to the insurer:
  
  (a) Substantially at-fault accidents.
  
  (b) Convictions for, determinations of responsibility for civil infractions for, or findings of responsibility in probate court for civil infractions for violations under chapter VI of the Michigan vehicle code, 1949 PA 300, MCL 257.601 to 257.750. However, an insured shall must not be merit rated classified for rating purposes based on a civil infraction under chapter VI of the Michigan vehicle code, 1949 PA 300, MCL 257.601 to 257.750, for a period of time longer than that which the secretary of state’s office carries points for that infraction on the insured’s motor vehicle record.
  
  (3) (4) An insurer shall not establish or maintain rates or rating classifications for automobile insurance based on sex or marital status or a non-driving factor .
  
  (4) (5) Notwithstanding other provisions of this chapter, automobile insurance risks may must not be grouped by territory.
  
  (5) (6) This section does not limit insurers or rating organizations from establishing and maintaining statistical reporting territories. This section does not prohibit an insurer from establishing or maintaining, for automobile insurance, a premium discount plan for senior citizens in this state who are 65 years of age or older, if the plan is uniformly applied by the insurer throughout this state. If an insurer has not established and maintained a premium discount plan for senior citizens, the insurer shall offer reduced premium rates to senior citizens in this state who are 65 years of age or older and who drive less than 3,000 miles per year, regardless of statistical data.
  
  (6) (7) Classifications established under this section for home insurance other than inland marine insurance provided by policy floaters or endorsements shall must be based only on 1 or more of the following factors:
  
  (a) Amount and types of coverage.
  
  (b) Security and safety devices, including locks, smoke detectors, and similar, related devices.
  
  (c) Repairable structural defects reasonably related to risk.
  
  (d) Fire protection class.
  
  (e) Construction of structure, based on structure size, building material components, and number of units.
  
  (f) Loss experience of the insured, based on prior claims attributable to factors under the control of the insured that have been paid by an insurer. An insured’s failure, after written notice from the insurer, to correct a physical condition that presents a risk of repeated loss shall be considered is a factor under the control of the insured for purposes of this subdivision.
  
  (g) Use of smoking materials within the structure.
  
  (h) Distance of the structure from a fire hydrant.
  
  (i) Availability of law enforcement or crime prevention services.
  
  (7) (8) Notwithstanding other provisions of this chapter, home insurance risks may be grouped by territory.
  
  (8) (9) An insurer may use factors in addition to those permitted by this section for insurance if the plan is consistent with the purposes of this act and reflects reasonably anticipated reductions or increases in losses or expenses.
  
  (9) As used in this section, “non-driving factors” means any factor for which there is no rational correlation between the factor and insurance losses. The director shall promulgate rules under the administrative procedures act of 1969, 1969 PA 306, MCL 24.201 to 24.328, to establish the factors that are non-driving factors. After the effective date of the amendatory act that added this subsection, an insurer shall not use a factor to establish a rate for automobile insurance if the factor is in the rules promulgated under this subsection. ”.
  
  3. Amend page 12, following line 6, by inserting:
  
  “Sec. 2151. As used in this chapter:
  
  (a) “Adverse action” means an increase in any charge for, or a reduction or other adverse or unfavorable change in the terms of coverage or amount of, any personal insurance, existing or applied for.
  
  (b) “Consumer reporting agency” means any person which, that, for monetary fees or dues or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties.
  
  (c) “Credit information” means any credit-related information derived from a credit report, found on a credit report itself, or provided on an application for personal insurance. Information that is not credit-related shall is not be considered credit information, regardless of whether it is contained in a credit report or in an application, or is used to calculate an insurance score.
  
  (d) “Credit report” means any written, oral, or other communication of information by a consumer reporting agency bearing on a consumer’s credit worthiness, credit standing, or credit capacity that is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in the rating of personal insurance.
  
  (e) “Insurance score” means a number or rating that is derived from an algorithm, computer application, model, or other process that is based in whole or in part on credit information for the purposes of predicting the future insurance loss exposure of an individual applicant or insured.
  
  (f) “Personal insurance” means property/casualty insurance written for personal, family, or household use, including automobile, home, motorcycle, mobile home, noncommercial dwelling fire, boat, personal watercraft, snowmobile, and recreational vehicle, whether written on an individual, group, franchise, blanket policy, or similar basis. Personal insurance does not include automobile insurance. ”.
  
  The question being on the adoption of the amendments offered previously by Rep. Whitsett,
  
  The amendments were not adopted, a majority of the members serving not voting therefor.