§ 58-41-10. Scope.
§58‑41‑10. Scope.
(a) Except as otherwiseprovided, this Article applies to all kinds of insurance authorized by G.S. 58‑7‑15(4)through (14) and G.S. 58‑7‑15(18) through (22), and to allinsurance companies licensed by the Commissioner to write those kinds ofinsurance. This Article does not apply to insurance written under Articles 21,26, 36, 37, 45 or 46 of this Chapter; insurance written for residential risksin conjunction with insurance written under Article 36 of this Chapter; tomarine insurance as defined in G.S. 58‑40‑15(3); to personal inlandmarine insurance; to commercial aircraft insurance; to policies issued in thisState covering risks with multistate locations, except with respect tocoverages applicable to locations within this State; to any town or countyfarmers mutual fire insurance association restricting its operations to notmore than six adjacent counties in this State; nor to domestic insurancecompanies, associations, orders, or fraternal benefit societies doing businessin this State on the assessment plan.
(b) This Article is notexclusive, and the Commissioner may also consider other provisions of Articles1 through 64 of this Chapter to be applicable to the circumstances orsituations addressed in this Article. Policies may provide terms more favorableto insureds than are required by this Article. The rights provided by thisArticle are in addition to and do not prejudice any other rights the insuredmay have at common law, under statutes, or under administrative rules. (1985 (Reg.Sess., 1986), c. 1027, s. 14; 1987, c. 441, ss. 1, 2; 1989 c. 485, s. 53; 1993,c. 409, s. 21; 1993 (Reg. Sess., 1994), c. 678, s. 22; 1999‑219, s. 5.2;1999‑294, s. 1.)