| Article 1 |
Scope of Title |
|
20-101 |
Department of insurance; "commission" defined |
|
20-102 |
"Director" defined |
|
20-103 |
Definition of insurance; exceptions |
|
20-104 |
"Insurer" defined |
|
20-105 |
"Person" defined |
|
20-106 |
Acts constituting the transaction of business;
definition |
|
20-107 |
Limitation on transaction of insurance; exception |
|
20-108 |
Types of insurers excepted |
|
20-108.01 |
Extended warranty insurers; deposit with state
treasurer; powers and duties; definition |
|
20-109 |
Existing licenses |
|
20-110 |
Existing contracts |
|
20-111 |
Existing forms and filings |
|
20-112 |
Existing actions or violations |
|
20-113 |
Construction of particular and general provisions |
|
20-114 |
Violations; classification |
|
20-115 |
Department jurisdiction over certain health care
providers; exception; examination; disclosure |
|
20-116 |
Surety bonds; cash deposit as alternative |
|
20-117 |
Definitions |
|
20-118 |
Prohibition; definitions |
|
20-119 |
Charitable gift annuities; audited financial
statements; disclosure statement; commissions prohibited; definitions |
|
20-120 |
Payment bonds for third party intermediary entities;
contract provisions; definitions |
| Article 2 |
Administrative Officers and Procedures |
|
20-141 |
Director of insurance; appointment; term;
qualifications; compensation |
|
20-142 |
Powers and duties of director; payment of examination
and investigation costs; home health services |
|
20-143 |
Rulemaking power |
|
20-144 |
Seal of office |
|
20-145 |
Evidentiary effect of certificate of authority |
|
20-146 |
Supervisor |
|
20-147 |
Assistant director; chief examiner; appointment;
qualifications |
|
20-148 |
Deputies and other employees; special services |
|
20-149 |
Prohibition on certain activities by employees;
conflict of interest |
|
20-150 |
Delegation of director's authority |
|
20-151 |
Issuance of orders and notices by director |
|
20-152 |
Enforcement |
|
20-153 |
Records |
|
20-154 |
Annual report |
|
20-155 |
Expenses of administration |
|
20-156 |
Examination of insurers and state compensation fund;
financial surveillance fund; definition |
|
20-157 |
Access and powers relating to insurers' records |
|
20-157.01 |
Insurer claim files; access by director; definition |
|
20-158 |
Report of examinations by director; information sharing |
|
20-159 |
Insurance examiners' revolving fund; definition |
|
20-160 |
Powers of examination; witnesses; subpoenas; perjury |
|
20-161 |
Hearings |
|
20-162 |
Demand for hearing; stay of order |
|
20-163 |
Notice of hearing |
|
20-164 |
Procedure upon hearing |
|
20-165 |
Order on hearing |
|
20-166 |
Judicial review |
|
20-167 |
Fees |
|
20-168 |
Preparation and sale of publications |
|
20-169 |
Supervision by director |
|
20-170 |
Prohibited acts during sixty day period of supervision |
|
20-171 |
Conservatorship; liquidation |
|
20-172 |
Possession by director of person transacting insurance
prior to appointment of receiver; powers of director in possession; stay
of possession order; application to title insurance |
|
20-173 |
Residence requirement; exemption for officer
representing insurer |
| Article 3 |
Mandated Health Coverage |
|
20-181 |
Mandated health coverage; report to legislature |
|
20-182 |
Factors for assessing impact; certification of report |
| Article 4 |
Payment of Premiums |
|
20-191 |
Payment of premiums by mail; date of payment |
| Article 1 |
Authorization of Insurers and General Requirements |
|
20-201 |
"Alien" insurer defined |
|
20-202 |
"Charter" defined |
|
20-202.01 |
Stock insurer's initial free surplus defined |
|
20-202.02 |
Mutual insurer's minimum required basic surplus defined |
|
20-202.03 |
Mutual insurer's initial free surplus defined |
|
20-202.04 |
Reciprocal insurer's required basic surplus defined |
|
20-202.05 |
Reciprocal insurer's initial free surplus defined |
|
20-203 |
"Domestic" insurer defined |
|
20-204 |
"Foreign" insurer defined |
|
20-205 |
"State," "United States" defined |
|
20-206 |
Authority to transact insurance |
|
20-207 |
General qualifications to transact insurance |
|
20-208 |
Definition of guaranteed investment contract |
|
20-209 |
Kinds of insurance an insurer may transact |
|
20-210 |
Minimum required capital stock or basic surplus |
|
20-211 |
Surplus required |
|
20-212 |
Funds required to transact additional kinds of
insurance |
|
20-213 |
Deposit requirements |
|
20-214 |
Financial requirements; escalator provisions |
|
20-215 |
Application for certificate of authority |
|
20-216 |
Issuance or refusal of certificate |
|
20-217 |
Certificate of authority; term; termination; delivery
upon termination or revocation |
|
20-218 |
Name of insurer |
|
20-218.01 |
Appointment of a statutory agent |
|
20-218.02 |
Change of known place of business or statutory agent |
|
20-219 |
Mandatory revocation or suspension |
|
20-220 |
Certificate of authority; refusal to renew; revocation
or suspension; civil penalty |
|
20-221 |
Director as agent for service of process |
|
20-222 |
Service of process; time to answer |
|
20-223 |
Annual statement; payment of fees; penalty for failure
to file or pay |
|
20-223.01 |
Annual report of product liability insurer |
|
20-224 |
Premium tax |
|
20-224.01 |
Additional premium tax |
|
20-224.02 |
Credit for overpayment of tax |
|
20-224.03 |
Premium tax credit for increased employment in
enterprise zones; definition |
|
20-224.04 |
Premium tax credit for increased employment in military
reuse zones; definitions |
|
20-225 |
Failure to pay tax; penalty |
|
20-226 |
Exclusive character of premium tax; exception |
|
20-227 |
Disposition of tax proceeds |
|
20-228 |
Exemption of insurers from general corporation reports
and fees |
|
20-229 |
Countersignature of insurance producer; exceptions |
|
20-230 |
Retaliation |
|
20-231 |
Transfer of domicile |
|
20-232 |
Junior achievement program; exemption from licensure |
|
20-233 |
Additional information required of insurer; disclosure
to director; violation; classification |
|
20-234 |
Filing requirement; participation in the insurance
regulatory information system |
|
20-235 |
Insurers; financial disclosure; requirements |
|
20-236 |
Civil penalty for failure to respond to a request for
verification of financial responsibility |
|
20-237 |
Failure to provide information; penalty |
| Article 2 |
Kinds of Insurance; Reinsurance; Limits of Risk |
|
20-251 |
Definitions not mutually exclusive |
|
20-252 |
"Casualty insurance" defined |
|
20-253 |
"Disability insurance" defined |
|
20-254 |
"Life insurance" defined |
|
20-254.01 |
"Annuities" defined |
|
20-255 |
"Marine and transportation insurance" defined |
|
20-256 |
"Property insurance" defined |
|
20-257 |
"Surety insurance" defined |
|
20-258 |
Multiple line insurers |
|
20-259 |
"Vehicle insurance" defined |
|
20-259.01 |
Motor vehicle liability policy; uninsured optional;
underinsured optional; subrogation; medical payments liens; definitions |
|
20-259.02 |
Coverage to include car pool operators and car pool
vehicles; definitions |
|
20-259.03 |
Uninsured and underinsured motorist coverages; insured;
wrongful death recovery |
|
20-260 |
Limit of risk |
|
20-261 |
Authorized reinsurance |
|
20-261.01 |
Credit for reinsurance |
|
20-261.02 |
Reduction from liability for reinsurance ceded by a
domestic insurer to an assuming insurer |
|
20-261.03 |
Qualified United States financial institution;
definitions |
|
20-261.04 |
Reinsurance agreements affected |
|
20-262 |
Motor vehicle insurance policy; reduction of rate for
older person completing accident prevention course; course requirements |
|
20-263 |
Vehicle insurance; prohibited act by insurer; hearing;
penalty |
|
20-264 |
Automobile insurance; damaged safety equipment
deductible optional; definition |
|
20-265 |
Motor vehicle insurance; premium comparisons and
complaint ratios |
|
20-266 |
Minimum liability policy; availability |
|
20-267 |
Motor vehicle liability policies; monthly basis; fee |
|
20-268 |
Motor vehicle subrogation |
|
20-269 |
Reduction in automobile liability insurance premiums
for mandatory seat belt use |
|
20-270 |
Residential property insurance; prohibited acts |
|
20-271 |
Lienholders; proof; accidents; notice; applicability |
| Article 3 |
Insurance Producer Licensing |
|
20-281 |
Definitions |
|
20-282 |
License required |
|
20-283 |
Exceptions to insurance producer licensing |
|
20-284 |
Application for examination |
|
20-285 |
Application for license |
|
20-286 |
Licensure; lines of authority |
|
20-287 |
Nonresident licensing |
|
20-288 |
Exemption from examination |
|
20-289 |
Expiration; surrender; renewal |
|
20-289.01 |
Inactive license or application status during military
service |
|
20-290 |
Insurance producer records; individual licensees |
|
20-291 |
Service of process on nonresident licensees |
|
20-292 |
Violation; injunctive relief |
|
20-293 |
Insurance vending machines |
|
20-294 |
Temporary licensing |
|
20-295 |
License denial, suspension or revocation; civil penalty |
|
20-296 |
Procedure after suspension or revocation of license |
|
20-297 |
Assumed business name; trade name |
|
20-298 |
Commissions |
|
20-299 |
Sharing of information |
|
20-300 |
Reciprocity |
|
20-301 |
Report of actions |
|
20-302 |
Rules |
| Article 3.1 |
Managing General Agents |
|
20-311 |
Definition of managing general agent; exceptions;
adjustment or payment of claims |
|
20-311.01 |
Licensing of managing general agents; surety deposit;
definition |
|
20-311.02 |
Requirements for managing general agent agreements |
|
20-311.03 |
Application of other laws |
| Article 3.2 |
Adjusters |
|
20-321 |
Definition of adjuster; exception |
|
20-321.01 |
Licensing of adjusters; qualifications; exemption |
|
20-321.02 |
Application of other laws |
| Article 3.3 |
Other Insurance Professionals |
|
20-331 |
Rental car agents; definitions |
|
20-331.01 |
Political subdivision employees; risk management
consultant licenses |
| Article 3.4 |
Definitions |
|
20-340 |
Definitions |
|
20-340.01 |
Bail bond agents; business entities; place of business;
receipt; maintenance of records |
|
20-340.02 |
Bond of bail bond agents |
|
20-340.03 |
Bail bond agent prohibitions |
|
20-340.04 |
Bail recovery agent prohibitions; criminal records
checks |
|
20-340.05 |
Rules |
|
20-340.06 |
Application of other laws |
| Article 4 |
Rates and Rating Organizations |
|
20-341 |
Purpose of insurance rate regulation |
|
20-342 |
Scope and application of article |
|
20-343 |
Definitions |
|
20-344 |
Uniform plans |
|
20-356 |
Making of rates |
|
20-357 |
Filing of rating system; definition |
|
20-358 |
Disapproval of rates |
|
20-359 |
Deviations from filed workers' compensation rates |
|
20-361 |
Licensing of rating organizations |
|
20-362 |
Notice to director of changes in rating organization |
|
20-363 |
Availability of services of rating organization to
members |
|
20-364 |
Technical services |
|
20-365 |
Cooperation in rate making |
|
20-366 |
Appeal by member or subscriber from action relating to
filings |
|
20-367 |
Workers' compensation appeals board; composition; board
termination |
|
20-367.01 |
Appeals procedure |
|
20-368 |
Advisory organizations |
|
20-369 |
Joint underwriting or joint reinsurance |
|
20-370 |
Examinations of rating organizations |
|
20-371 |
Rate administration |
|
20-372 |
Disclosure of information relating to rates |
|
20-373 |
Commissions and fees |
|
20-374 |
Revocation and suspension of licenses |
|
20-375 |
Making of title insurance rates |
|
20-376 |
Filing of title insurance rates; approval or
disapproval |
|
20-377 |
Justification for title insurance rates |
|
20-378 |
Disapproval of title insurance filings |
|
20-379 |
Deviations in title insurance rates |
| Article 4.1 |
Open Competition Rates and Rating Organizations |
|
20-381 |
Definitions |
|
20-382 |
Scope of application |
|
20-383 |
Rate standards |
|
20-384 |
Rating criteria |
|
20-385 |
Filing of rates |
|
20-386 |
Filings open to inspection |
|
20-387 |
Delegation of rate making and rate filing obligations |
|
20-388 |
Disapproval of rates |
|
20-389 |
Rate service organizations; license; application |
|
20-390 |
Advisory organizations; filing with director |
|
20-391 |
Joint underwriting and joint reinsurance organizations;
filing with director |
|
20-392 |
Rate agreements among insurers prohibited |
|
20-393 |
Recording and reporting of experience |
|
20-394 |
Examination of rate service organizations and joint
underwriting and joint reinsurance organizations |
|
20-395 |
Apportionment agreements among insurers |
|
20-396 |
Hearing and judicial review |
|
20-397 |
Penalties; exception |
|
20-398 |
Policy forms; approval or disapproval; exemption |
|
20-399 |
Payment of dividends |
| Article 4.2 |
Compliance With Filed Rates |
|
20-400 |
Scope of provisions |
|
20-400.01 |
Unjustified adjustments |
|
20-400.02 |
Submittal of data comparing premiums charged to filed
rates |
|
20-400.03 |
Penalties |
|
20-400.04 |
Examinations |
|
20-400.05 |
Examiners and examination related expenses |
|
20-400.07 |
Report of examination |
|
20-400.08 |
Insurance consumer advisory board |
|
20-400.09 |
Rules |
|
20-400.10 |
Industrial insureds |
| Article 5 |
Unauthorized Insurers |
|
20-401 |
Definitions |
|
20-401.01 |
Unlawful transaction of insurance business; exemptions |
|
20-401.02 |
Violation; cease and desist orders; injunctive relief |
|
20-401.03 |
Service of process in an action by the director of
insurance |
|
20-401.04 |
Action by attorney general to enforce order or decision
of court or director; foreign decrees |
|
20-401.05 |
Certificate of exemption; definitions |
|
20-401.06 |
Unauthorized transactions; classification |
|
20-401.07 |
Premium receipts tax on industrial insureds contracting
with unauthorized insurer; definitions |
|
20-402 |
Validity of contracts |
|
20-403 |
Service of process in an action by someone other than
the director of insurance |
|
20-404 |
Exemptions |
|
20-405 |
Prerequisites for participating in court action |
|
20-406 |
Attorneys' fees in action against insurer |
|
20-407 |
Surplus lines; brokers |
|
20-408 |
Report of broker; civil penalty |
|
20-409 |
Recognized surplus lines |
|
20-410 |
Validity of surplus lines insurance; disclosure; policy
fees |
|
20-411 |
Licensing of surplus lines broker; examination |
|
20-411.01 |
Licensing of Mexican insurance surplus lines broker |
|
20-411.02 |
Nonresident surplus lines broker; remittance of tax on
insurance procured out of state |
|
20-412 |
Acceptance of surplus lines business by broker |
|
20-413 |
Placing of surplus lines coverage; endorsement by
broker; list of unauthorized insurers; removal from list; definition |
|
20-414 |
Records of surplus lines brokers |
|
20-415 |
Statement of surplus lines insurance business
transacted by broker; reporting periods |
|
20-416 |
Tax on surplus lines |
|
20-417 |
Failure to remit tax; civil penalty |
|
20-418 |
Denial, revocation or suspension of license; civil
penalty |
|
20-419 |
Legal process against surplus lines insurer |
|
20-420 |
Exemptions from surplus lines provisions |
|
20-421 |
Access of director to records of person insured by
unauthorized insurer |
|
20-422 |
Alien insurance for coverage in Mexico |
| Article 6 |
Unfair Practices and Frauds |
|
20-441 |
Purpose of article; definition |
|
20-442 |
Unfair trade practices prohibited |
|
20-443 |
Misrepresentations and false advertising of policies |
|
20-443.01 |
Misrepresentation in sale of insurance; violation;
classification |
|
20-444 |
False or deceptive advertising of insurance or status
as insurer |
|
20-445 |
Defamation |
|
20-446 |
Acts tending to result in unreasonable restraint or
monopoly of insurance business |
|
20-447 |
False financial statements or records |
|
20-448 |
Unfair discrimination; definitions |
|
20-448.01 |
Required insurance procedures relating to HIV
information; confidentiality; violations; penalties; definitions |
|
20-448.02 |
Genetic testing; informed consent; definitions |
|
20-449 |
Rebates on life or disability insurance |
|
20-450 |
Practices not prohibited as discrimination or rebates
in life and disability insurance |
|
20-451 |
Rebates on other than life or disability insurance |
|
20-452 |
Prohibited inducements |
|
20-452.01 |
Designation of particular insurer or person transacting
insurance prohibited |
|
20-452.02 |
Exceptions |
|
20-452.03 |
Evidence of nonviolation |
|
20-452.04 |
Investigation by director of alleged violations |
|
20-453 |
Programs for purchase by policyholders of securities of
insurance companies |
|
20-454 |
Programs for purchase by policyholders of securities of
companies not engaged in insurance |
|
20-455 |
Interlocking ownership or management; multiple
directorship |
|
20-456 |
Cease and desist order for defined or prohibited
practices; civil penalty |
|
20-457 |
Premature disposal of premium notes prohibited |
|
20-458 |
Fraudulent statement in application; classification |
|
20-459 |
Deferred dividends; life |
|
20-460 |
Free choice of insurance producer |
|
20-461 |
Unfair claim settlement practices |
|
20-462 |
Timely payment of claims |