OR| Oregon’s Department of Consumer and Business Services filed Permanent Administrative Order ID 2-2026 (effective April 1, 2026), adopting new rules under OAR Chapter 836 to implement HB 2563, which requires qualified insurers — those with $1M or more in combined written premium — to provide a clear, written explanation of premium increases on personal auto, home, or dwelling policies upon written request from an insured, identifying between one and four rating factors that each exceed 2% of the current premium and rank among the top four dollar-impact contributors, with the notice required to include the insurer’s name, address, and NAIC number, the insured’s policy details, and contact information; additionally, qualified insurers must report biennial data to Oregon’s Division of Financial Regulation starting April 30, 2028, covering renewal offer counts, the number of premium increase explanation requests received, and the percentage increases on those policies.
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