Indiana Code Title 27. Insurance § 27-2-21-19

Sec. 19. (a) If an insurer takes an adverse action based on credit information, the insurer shall:

(b) The reason provided under subsection (a)(2) must be provided in sufficiently clear and specific language so that an individual can identify the basis for the insurer's decision to take an adverse action.  The notice must include a description of all factors up to four (4) primary factors that were the primary influences of the adverse action.  The use of generalized terms such as “poor credit history”, “poor credit rating”, or “poor insurance score” does not meet requirements of this subsection.  A standardized credit explanation provided by a consumer reporting agency or other third party vendor meets the requirements of this section.