State statute · Indiana

Unfair Competition; Unfair or Deceptive Acts and Practices (IC 27-4-1-1 to 27-4-1-19): Indiana Code IC 27-4-1

Publisher: Indiana General Assembly
Edition: 2026 Indiana Code
Last checked: 2026-09-10
Status: US state statute

Edition and licensing notes

Publisher. Indiana General Assembly (iga.in.gov)

Status. US state statute; public domain.

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What this document is

Indiana Code IC 27-4-1 - Unfair Competition; Unfair or Deceptive Acts and Practices (IC 27-4-1-1 to 27-4-1-19) is a state statute published by Indiana General Assembly (iga.in.gov). It is one of the Indiana documents that insurance license exam questions are written from, including indiana life & health, indiana property & casualty practice questions. This page summarizes it and points to the official version, which is the text to rely on.

Sections cited in practice questions

Each practice answer shows the exact passage it comes from. These are sections of this document that questions cite, with a short excerpt from the source text.

IC 27-4-1-4(a)(7)(B) (Unfair Discrimination, Accident and Health)
“(B) Unfair discrimination between individuals of the same class involving essentially the same hazards in the amount of premium, policy fees, assessments, or rates charged or made for any policy or contract of accident or health insurance or in the benefits payable thereunder, or in any of the...”
IC § 27-4-1-4.5(15) (Unfair Claim Settlement Practices: Ascribing Fault)
“(15) In negotiations concerning liability insurance claims, ascribing a percentage of fault to a person seeking to recover from an insured party, in spite of an obvious absence of fault on the part of that person.”
IC § 27-4-1-4(a)(15) (Unfair Practices: Blindness or Partial Blindness)
“(15) Refusing to insure an individual, refusing to continue to issue insurance to an individual, limiting the amount, extent, or kind of coverage available to an individual, or charging an individual a different rate for the same coverage, solely because of that individual's blindness or partial...”
IC § 27-4-1-4(a)(8)(D) (Commission or brokerage; no pass-through rebate to the insured)
“Paying by an insurer or insurance producer thereof duly licensed as such under the laws of this state of money, commission, or brokerage, or giving or allowing by an insurer or such licensed insurance producer thereof anything of value, for or on account of the solicitation or negotiation of...”
IC § 27-4-1-4(a)(3) (Defamation of an insurer)
“(3) Making, publishing, disseminating, or circulating, directly or indirectly, or aiding, abetting, or encouraging the making, publishing, disseminating, or circulating of any oral or written statement or any pamphlet, circular, article, or literature which is false, or maliciously critical of or...”
IC § 27-4-1-4.5(12) (Unfair Claim Settlement Practices: Duplicate Submissions)
“(12) Delaying the investigation or payment of claims by requiring an insured, a claimant, or the physician of either to submit a preliminary claim report and then requiring the subsequent submission of formal proof of loss forms, both of which submissions contain substantially the same information.”
IC 27-4-1-4(a)(7)(C) (Excessive or Inadequate Charges and Other Kinds of Insurance)
“(C) Excessive or inadequate charges for premiums, policy fees, assessments, or rates, or making or permitting any unfair discrimination between persons of the same class involving essentially the same hazards, in the amount of premiums, policy fees, assessments, or rates charged or made for: (i)...”
IC § 27-4-1-4(a)(2) (False advertising)
“(2) Making, publishing, disseminating, circulating, or placing before the public, or causing, directly or indirectly, to be made, published, disseminated, circulated, or placed before the public, in a newspaper, magazine, or other publication, or in the form of a notice, circular, pamphlet, letter,...”
IC § 27-4-1-4(a)(14) (Unfair Practices: For-Profit Hospital Payment Refusals)
“(14) Refusing, because of the for-profit status of a hospital or medical facility, to make payments otherwise required to be made under a contract or policy of insurance for charges incurred by an insured in such a for-profit hospital or other for-profit medical facility licensed by the Indiana department of health.”
IC § 27-4-1-11 (Foreign or Alien Insurers: Multistate Advertising)
“If any foreign or alien insurer engages in this state in an unfair method of competition or in an unfair or deceptive practice as defined in section 4(1) or 4(2) of this chapter by means of any advertisement, announcement, or statement, in any magazine or other periodical publication having a...”
IC § 27-4-1-4(a)(13) (Free Insurance as a Purchase Inducement and Its Exceptions)
“(13) Issuing, offering, or participating in a plan to issue or offer, any policy or certificate of insurance of any kind or character as an inducement to the purchase of any property, real, personal, or mixed, or services of any kind, where a charge to the insured is not made for and on account of...”
IC § 27-4-1-4(a)(16) (Unfair Methods of Competition: General Practice Threshold)
“(16) Committing or performing, with such frequency as to indicate a general practice, unfair claim settlement practices (as defined in section 4.5 of this chapter).”

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