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Insurance Illinois Published by the Illinois Department of Insurance August #4 in This Issue Consumer Complaints Against Insuran  Form

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Each state has its own insurance regulatory body that oversees and regulates the insurance industry. These state regulators protect consumers from unfair, fraudulent, or discriminatory insurance practices. Allstate Insurance Company versus Schmidt features the State of Hawaii’s Insurance Division and its review of discriminatory insurance practices. After being initially denied automobile insurance and later offered a high-premium policy, Kaoru Reinertson filed a complaint with the State of Hawaii’s Insurance Division against Allstate Insurance Company and Allstate Indemnity Company. Allstate required all applicants to have a driver’s license for at least a year before insuring the applicant. When Reinertson applied, she hadn’t had a driver’s license for a year. J.P. Schmidt, the insurance commissioner, ordered Allstate to stop using the length of an applicant’s driving experience as a basis for rejecting insurance coverage. Schmidt also ordered Allstate to pay a penalty fo

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