---
title: O.C.G.A. § 33-39-12. Requests for information regarding previous adverse underwriting decisions or previous coverage obtained through residual market mechanism.
collection: code
id: 33-39-12
cite_as: O.C.G.A. § 33-39-12 (2025)
canonical_url: https://georgiacommons.org/code/33-39-12
md_url: https://georgiacommons.org/code/33-39-12.md
text_url: https://georgiacommons.org/code/33-39-12/text
source_url: https://www.legis.ga.gov/api/document/docs/default-source/joint-features-document-library/t33-ch23-65-(v25)-2020-pdf.pdf?sfvrsn=68297_0#page=838
date: 2025
status: active
corpus_version: 2025-supplement-89aa39ab3c68
license: CC0-1.0
publisher: Georgia Commons, an independent project of Georgia Civic Data. Not the State of Georgia. Not legal advice.
up: https://georgiacommons.org/code/33-39.md
previous: https://georgiacommons.org/code/33-39-11.md
next: https://georgiacommons.org/code/33-39-13.md
index: https://georgiacommons.org/code/index.md
version: the only printed version
in_force: true
current_through: Including Acts of the 2025 Regular Session of the General Assembly
heading_path: INSURANCE / COLLECTION, USE, AND DISCLOSURE OF INFORMATION GATHERED BY INSURANCE INSTITUTIONS
---

# O.C.G.A. § 33-39-12. Requests for information regarding previous adverse underwriting decisions or previous coverage obtained through 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.

## History

Code 1981, § 33-39-12, enacted by Ga. L. 1982, p. 615, § 1; Ga. L. 1992, p. 6, § 33.