Insurance companies not allowed to raise rates for dropping coverage

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SALEM, Ore. — The Oregon Insurance Commission wants consumers to know that auto insurance companies can’t increase their rates because they’ve dropped coverage at
some point in the past.

The commission gets a lot of calls from folks who say their auto insurance company has threatened to increase rates if they drop coverage, or they blame an increase on a time when the person didn’t have insurance.

Agents can ask why someone wasn’t insured for a period of time, but as long as the driver didn’t break any laws while uninsured, insurance companies can’t hold that against them.