HB1228Introduced in the House of Delegates
Motor vehicle insurance; use of certain factors to establish rates prohibited.
Introduced by Israel O'Quinn, District 44
What does this bill do?
Plain-English breakdown
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Official description
Motor vehicle insurance; use of certain factors to establish rates prohibited. Prohibits an insurer from using any classification system, rating plan, rules or rates, or modifications based in whole or in part on consumer credit information or scores to establish rates for any motor vehicle insurance policy issued or renewed in the Commonwealth. The bill also prohibits an insurer from refusing to provide or refusing to continue to provide an individual with motor vehicle insurance coverage, limiting the amount or extent of motor vehicle insurance coverage, or charging an individual a different rate for the same motor vehicle insurance coverage solely because of an individual's consumer credit information or score.
Where it stands
Tabled in Labor and Commerce (15-Y 7-N)
February 5, 2026
How did lawmakers vote?
House of DelegatesStage: Tabled in Labor and Commerce (15-Y 7-N) · February 5, 2026
15
Yes
7
No
0
Absent or Not Voting
22 delegates recorded in this House of Delegates vote. Colors show vote categories only, not whether a vote was good or bad.
What do people think?
Citizen Voice
How would you vote on this bill?
An unofficial public opinion poll. It does not affect the bill or the official vote.
One response per device. Location is self-reported and not verified. Results are informal and not a scientific survey.
See how each delegate voted
| Delegate | District | Vote |
|---|---|---|
| Alfonso Lopez | 3 | Yes |
| Richard Sullivan | 6 | Yes |
| Irene Shin | 8 | Yes |
| Dan Helmer | 10 | Yes |
| Laura Jane Cohen | 15 | Yes |
| Michelle Maldonado | 20 | Yes |
| J.J. Singh | 26 | Yes |
| Tony Wilt | 34 | No |
| Chris Runion | 35 | No |
| Jason Ballard | 42 | No |
Bill history
Prefiled and ordered printed; Offered 01-14-2026 26101940D
Referred to Committee on Labor and Commerce
Assigned HCL sub: Subcommittee #1
House subcommittee offered
Subcommittee recommends reporting with substitute (9-Y 0-N)
Tabled in Labor and Commerce (15-Y 7-N)
Verify the information
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