I have not had the opportunity to ask the insurance company about yours and mine question “on how if any it would affect our premiums” but I will try to get an answer. What I can tell you is that I am going to try everything in my power to change this ridiculous law. I am in the process of putting together a petition and have as many as possible sign it. Once I have a lot of signatures I will be sending a copy to every state representative. If you are interested in helping change this law please reply. Thank you for sharing your experience; it was sad but very helpful to me.