State RegulationsCO specificDifficulty 3/5
Under C.R.S. 10-3-1104(1)(f), which classification practice is prohibited?
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Answer & full 3-part explanation (select an option above, or peek)
Why B is correct
C.R.S. 10-3-1104(1)(f) prohibits excluding or limiting benefits for casual motorcycling, snowmobiling, off-highway vehicle riding, skiing, or snowboarding. Actuarially justified classifications and family-unit group designs are legitimate tools; blanket recreation-based benefit exclusions are not allowed in Colorado.
Why the other options are wrong
- A) Actuarially justified rate differences reflect genuine hazard differences and are not unfair discrimination under the statute.
- C) A family-unit design is an accepted structure for group coverage and is not prohibited.
- D) Actuarially supported classification is precisely the kind of differentiation the statute permits.
Memory hook
No banning the bunny slope - casual skiing exclusions are out.