An Act creating surcharge exceptions in motor vehicle insurance premiums

HD 3002 creates exceptions to insurance surcharges for certain motor vehicle incidents. It prohibits surcharges on premiums for: property damage under $5,000; the first accident over $5,000; the first two speeding violations (unless license suspension is involved); accidents caused by non-insured drivers; and the first/second non-fault accidents without moving violations. The bill directly affects drivers whose insurance premiums might otherwise increase due to these specific, limited incidents. It changes how insurers calculate surcharges, making these situations exempt from premium increases under the law.