Chapter 11 - Form And Contents Of Insurance Policies
- Section 58-11-1 - Premium defined.
- Section 58-11-2 - Contents of policy.
- Section 58-11-3 - Statement of basis and rates for determination of premium included in policy.
- Section 58-11-4 - Contents of policy--Exemption of surety contracts or group insurance policies.
- Section 58-11-5 - Standard or uniform provisions of insurance contracts--Waiver of required use bydirector.
- Section 58-11-6 - Policy not to contain provisions inconsistent with standard or uniform provisions--Substitute provision, approval by director.
- Section 58-11-7 - Substitute provisions required by law of domicile of foreign or alien insurer, approvalby director.
- Section 58-11-8 - Assessable policies--Special contents.
- Section 58-11-9 - Motor vehicle insurance--Uninsured motorist and hit-and-run coverage--Amount ofcoverage--Uninsured motorist coverage not required for government owned vehicles.
- Section 58-11-9.1 - Motor vehicle insured by insolvent liability insurer defined as uninsured--Rights ofinsurer making payment under uninsured motorist coverage.
- Section 58-11-9.2 - Notice required when automobile policy does not include liability insurance.
- Section 58-11-9.3 - Exclusion of named person or reduction of coverage in motor vehicle policy--Minimum liability coverage.
- Section 58-11-9.4 - Underinsured motorist coverage to be available with liability policies--Limitation ofcoverage--Exception.
- Section 58-11-9.5 - Payment to insured for portion of judgment not collected from underinsuredmotorist--Coverage limits.
- Section 58-11-9.6 - Subrogation of insurer--Assignment of judgment--Liability issuer allowed to paylimits under policy.
- Section 58-11-9.7 - Adding of insured's uninsured and underinsured motorist coverage limits prohibited--Exception.
- Section 58-11-9.8 - Adding of uninsured motorist coverage limits for multiple vehicles prohibited.
- Section 58-11-9.9 - Adding of underinsured motorist coverage limits for multiple vehicles prohibited.
- Section 58-11-9.10 - Increase in automobile insurance premiums due to drug-related offenses prohibited.
- Section 58-11-9.11 - Increase in automobile insurance premiums due to certain alcohol-related offensesby a minor prohibited.
- Section 58-11-10 - Additional policy provisions--Approval of director.
- Section 58-11-11 - Charter and bylaws, inclusion as part of contract of insurance--Subscriber'sagreement or power of attorney of a reciprocal insurer as part of contract.
- Section 58-11-12 - Policy forms--Filing with and approval by director--Group policy certificates filedfor informational purposes.
- Section 58-11-13 - Policies exempt from form provisions.
- Section 58-11-14 - Continuation of use of prior filings until otherwise prescribed.
- Section 58-11-15 - Order of director exempting insurance documents from requirements as to form.
- Section 58-11-16 - Property, marine and transportation, casualty and surety insurance coverages--Filingof forms by rating organizations.
- Section 58-11-17 - Time for filing of forms--Approval or disapproval by director.
- Section 58-11-18 - Extension of time for approval or disapproval of filing by director--Notice to insurer--Approval at expiration of extended period.
- Section 58-11-19 - Withdrawal of approval of form by director--Notice.
- Sections 58-11-20, 58-11-21 - Order of director disapproving form or withdrawing previous approval--Detailed statement of grounds. Grounds for disapproval of form or withdrawal of previous approval
- Section 58-11-22 - Identification of contracts issued and forms filed with director--Change in form.
- Section 58-11-23 - Execution of policy by authorized representative of insurer.
- Section 58-11-24 - Facsimile signature used on policy.
- Section 58-11-25 - Unauthorized facsimile signature does not invalidate policy--Estoppel by issuanceof surety bond with facsimile signature.
- Section 58-11-26 - Underwriters' policy--Joint and several liability--True name of insurer.
- Section 58-11-27 - Combination policy--Contents.
- Section 58-11-28 - Underwriters' and combination policies provisions do not apply to cosuretyobligations.
- Section 58-11-29 - Binders or other contracts for temporary insurance--Terms--Fraudulent statement asmisdemeanor.
- Section 58-11-30 - Duration of binder.
- Section 58-11-31 - Extension or renewal of binder--Approval of director.
- Section 58-11-32 - Binder provisions do not apply to life or health insurance.
- Section 58-11-33 - Delivery of policy--Payment of premium--Insured not meeting condition required byinsurer.
- Section 58-11-34 - Insurance of motor vehicle sales contracts, copy of policy delivered to vendee,mortgagor, or pledgor, contents--Inapplicable to inland marine floater policies.
- Section 58-11-35 - Renewal or extension of policy at option of insurer.
- Section 58-11-36 - Assignment of policies.
- Section 58-11-37 - Policy not complying with statutory form--Validity--Construction.
- Section 58-11-38 - Policy, rider, or endorsement containing condition, omission or provision not incompliance with requirements--Validity--Construction.
- Section 58-11-39 - Construction of insurance contract--Terms and conditions--Modification by rider,endorsement, or application made part of policy.
- Section 58-11-40 - Application for life or health insurance as evidence--Annuity contract--Copy madea part of policy--Inapplicable to industrial life policy.
- Section 58-11-41 - Application for reinstatement or renewal of life or health insurance--Copy requestedby insured--Effect of noncompliance by insurer.
- Section 58-11-42 - Alteration of application for life or health insurance--Written consent of applicantnecessary--Insertions by insurer.
- Section 58-11-43 - Application for insurance other than life or health--Use as evidence--Failure tofurnish copy to insured.
- Section 58-11-44 - Application for insurance or annuity--Statements by insured deemed representations--Omissions, concealment, and incorrect statements preventing recovery.
- Section 58-11-44.1 - Unanswered questions no basis for denial of recovery unless insurer demandedanswers.
- Section 58-11-45 - Cancellation and nonrenewal of automobile policy or coverage--Definition of terms.
- Section 58-11-45.1 - Reporting agencies and persons listed with director.
- Section 58-11-45.2 - Applicant for liability insurance not to be prejudiced by false reports.
- Section 58-11-45.3 - Informant to be identified if insurance refused--Violation as misdemeanor.
- Section 58-11-46 - Notice of cancellation of automobile policy--Reasons for cancellation.
- Section 58-11-47 - Reasons for cancellation not applicable to automobile policy in effect less than sixtydays--Application of notice provisions to policies.
- Section 58-11-48 - Modification of automobile physical damage coverage not deemed cancellation.
- Section 58-11-49 - Time for mailing or delivery of notice of cancellation of automobile policy--Provision for statement of reason for cancellation.
- Section 58-11-50 - Request of insured for reason for cancellation.
- Section 58-11-51 - Notice of nonrenewal of automobile policy--Time for notice--Exceptions torequirement for notice--Renewal not waiver of grounds for cancellation.
- Section 58-11-52 - Proof of notice of cancellation or nonrenewal of automobile policy or coverage.
- Section 58-11-53 - Notice of eligibility for assigned risk plan on cancellation or nonrenewal ofautomobile liability insurance.
- Section 58-11-54 - Director or insurer not liable for statements as to reasons for cancellation or refusalof automobile coverage.
- Section 58-11-55 - Discrimination in issuance or renewal of automobile insurance policy asmisdemeanor--Exceptions.
- Section 58-11-55.1 - Use of age or occupation in determining issuance or renewal of policies.
- Section 58-11-55.2 - Applicability of § 58-11-55.
- Section 58-11-55.3 - Promulgation of rules to prevent unfair discrimination.
- Section 58-11-56 - Repealed.
- Section 58-11-57 - Assigned risk plan for automobile liability insurance.
- Section 58-11-58 - Reduction in premiums for persons fifty-five or older who completed accidentprevention course.
- Section 58-11-59 - Certificate of completion of course to qualify for premium discount.
- Section 58-11-60 - Course to be passed every three years.
- Section 58-11-61 - Term of premium discount--Conditions--Exception.
- Section 58-11-62 - Notice of intent to cease marketing block of business--What constitutes cessation ofmarketing block of business.
- Section 58-11-63 - Regulation of form and content of policies, policy forms, standards, and proceduresfor filings, cancellation, and nonrenewal of policies.
- Section 58-11-64 - Definition of terms.
- Section 58-11-65 - Carriers subject to filing requirements.
- Section 58-11-66 - Filing and director approval required.
- Section 58-11-67 - Filing requirements--Availability on internet.
- Section 58-11-68 - Filer to indicate location of each requirement on policy form filing.
- Section 58-11-69 - Approval or disapproval of filing--Review period.
- Section 58-11-70 - Correction of deficiencies.
- Section 58-11-71 - Review of resubmitted filing--Review period.
- Section 58-11-72 - Resubmitted form not to be disapproved for reasons other than in initial disapproval--Exceptions.
- Section 58-11-73 - Grossly inadequate filings.
- Section 58-11-74 - Limitations on director's authority.
- Section 58-11-75 - Application to existing approved policy forms.