No insurance institution, agent, or insurance-support organization may seek information in connection with an insurance transaction concerning: (1) Any previous adverse underwriting decision experienced by an individual; or (2) Any previous insurance coverage obtained by an individual through a residual market mechanism, unless such inquiry also requests the reasons for any previous adverse underwriting decision or the reasons why insurance coverage was previously obtained through a residual market mechanism. No insurance institution, agent, or insurance-support organization may seek information in connection with an insurance transaction concerning: (1) Any previous adverse underwriting decision experienced by an individual; or (2) Any previous insurance coverage obtained by an individual through a residual market mechanism, unless such inquiry also requests the reasons for any previous adverse underwriting decision or the reasons why insurance coverage was previously obtained through a residual market mechanism. No insurance institution, agent, or insurance-support organization may seek information in connection with an insurance transaction concerning: (1) Any previous adverse underwriting decision experienced by an individual; or (2) Any previous insurance coverage obtained by an individual through a residual market mechanism, unless such inquiry also requests the reasons for any previous adverse underwriting decision or the reasons why insurance coverage was previously obtained through a residual market mechanism. No insurance institution, agent, or insurance-support organization may seek information in connection with an insurance transaction concerning: (1) Any previous adverse underwriting decision experienced by an individual; or (2) Any previous insurance coverage obtained by an individual through a residual market mechanism, unless such inquiry also requests the reasons for any previous adverse underwriting decision or the reasons why insurance coverage was previously obtained through a residual market mechanism. unless such inquiry also requests the reasons for any previous adverse underwriting decision or the reasons why insurance coverage was previously obtained through a residual market mechanism.
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