How does Florida law classify an unfair discrimination practice?

Florida law classifies an unfair discrimination practice primarily as differential pricing based on demographic data. This means that if an insurance company charges different rates based on characteristics such as age, gender, race, or geographic location, it could be considered a form of unfair discrimination. The law aims to protect consumers from being treated unfairly in the insurance market, ensuring that rates are not unjustly influenced by these factors rather than individuals' actual risk levels or claims history.

Differential pricing that relies on demographic data can lead to unequal treatment of consumers, which is why Florida has strict regulations against it. This protects individuals from being priced out of necessary insurance coverage solely based on personal characteristics unrelated to their risk profile.

In contrast, offering lower premiums, providing additional benefits to select groups, or changing terms based on an insured's claims history could be considered legitimate business practices if they are based on objective criteria that reflect risk or are part of established policy benefits. Thus, while these practices could influence pricing or coverage, they do not inherently constitute unfair discrimination under Florida law.