HRS §431:10-105
Readability test for insurance contracts
Insurance companies must use a specific reading test to check how easy their contracts are to read. The insurance commissioner can choose a different test if the standard one does not fit. The commissioner must give each insurer a copy of the test and instructions.
The statute, as written — Required reading test; authorization and availability
(a) Every insurer shall use the Flesch reading ease test to determine the readability of any contract. Whenever the commissioner determines that the Flesch reading ease test is inappropriate for the purposes of determining readability, the commissioner shall prescribe an alternative test comparable in result to the Flesch reading ease test to be used by the insurer. (b) The commissioner shall provide each insurer with a copy of the Flesch reading ease test. Whenever an alternative test is prescribed, the commissioner shall provide a copy of the test to each insurer, accompanied by a set of instructions explaining the manner in which such test shall be conducted.
LawTrove is not legal advice. The summary above is a computer-generated restatement — the authoritative text is the official version linked above.