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Bill

HD 2243

An Act relative to electronic automobile insurance charges

194th Legislature (2025-2026) Introduced by Kim Ferguson and 6 co-sponsors

Massachusetts bill prohibiting insurance companies from charging extra fees for electronic auto insurance purchases or management to prevent digital transaction surcharges.

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WeVote Research Nonpartisan
Bill Summary · HD 2243

Legislative bill overview

HD 2243 would regulate how insurance companies charge Massachusetts drivers for purchasing or maintaining auto insurance policies electronically. The bill appears designed to prevent insurers from imposing fees or surcharges specifically for conducting transactions online or through digital channels, ensuring that electronic transactions don't cost consumers more than traditional methods.

Why is this important

Auto insurance is mandatory in Massachusetts, making any cost differential between purchasing methods a practical concern for millions of drivers. As digital transactions become standard, this bill addresses whether companies can use the convenience of online platforms as a justification for higher fees—potentially affecting household expenses for a significant portion of the state's population.

Potential points of contention

  • Insurance industry opposition: Insurers may argue that electronic transaction fees reflect real processing costs and that prohibiting them reduces their ability to manage operational expenses or incentivize cost-saving digital channels
  • Definition and scope ambiguity: The bill's language around what constitutes prohibited "electronic automobile insurance charges" may need clarification—does it cover all digital interactions, or only specific transaction types?
  • Competitive market concerns: Some argue that fee restrictions in a competitive market are unnecessary, as companies already have incentives to offer competitive pricing without regulatory mandates

Compiled from official sources — confirm details with the bill’s official record.

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