§ 58-38-1 – Title.

58-38-1. Title. This Article is known and may be cited as the "Readable Insurance Policies Act." (1979, c. 755, s. 1.)

§ 58-38-10 – Scope of application.

58-38-10. Scope of application. (a) Except as provided in subsection (b) of this section, the provisions of this Article apply to the policies and contracts of direct insurance that are described in G.S. 58-38-35(a). (b) Nothing in this Article applies to: (1) Any policy that is a security subject to federal jurisdiction; (2) Any group […]

§ 58-38-15 – Definitions.

58-38-15. Definitions. As used in this Article, unless the context clearly indicates otherwise: (1) "Benefit booklet" means any written explanation of insurance coverages or benefits issued by an insurer and which is supplemental to and not a part of an insurance policy or contract. (2) Repealed by Session Laws 1991, c. 720, s. 6. (3) […]

§ 58-38-20 – Format requirements.

58-38-20. Format requirements. (a) All insurance policies and contracts covered by G.S. 58-38-35 must be printed in a typeface at least as large as 10 point modern type, one point leaded, be written in a logical and clear order and form, and contain the following items: (1) On the cover, first, or insert page of […]

§ 58-38-25 – Flesch scale analysis readability score; procedures.

58-38-25. Flesch scale analysis readability score; procedures. (a) A Flesch scale analysis readability score will be measured as provided in this section. (b) For policies containing 10,000 words or less of text, the entire policy must be analyzed. For policies containing more than 10,000 words, the readability of two 200-word samples per page may be […]

§ 58-38-30 – Filing requirements; duties of the Commissioner.

58-38-30. Filing requirements; duties of the Commissioner. (a) No insurer may make, issue, amend, or renew any insurance policy or contract after the dates specified in G.S. 58-38-35 for the applicable type of insurance unless the policy is in compliance with the provisions of G.S. 58-38-20 and G.S. 58-38-25 and unless the policy is filed […]

§ 58-38-35 – Application to policies; dates; duties of the Commissioner.

58-38-35. Application to policies; dates; duties of the Commissioner. (a) The filing requirements of G.S. 58-38-30 apply as follows: (1) As described in Article 36 of this Chapter, to all policies of private passenger nonfleet motor vehicle insurance except as excluded by G.S. 58-38-10(b)(7), to all policies of insurance against loss to residential real property […]

§ 58-38-40 – Construction.

58-38-40. Construction. (a) The provisions of this Article will not operate to relieve any insurer from any provision of law regulating the contents or provisions of insurance policies or contracts nor operate to reduce an insured’s or beneficiary’s rights or protection granted under any statute or provision of law. (b) The provisions of this Article […]

§ 58-38-5 – Purpose.

58-38-5. Purpose. The purpose of this Article is to provide that insurance policies and contracts be readable by a person of average intelligence, experience, and education. All insurers are required by this Article to use policy and contract forms and, where applicable, benefit booklets that are written in simple and commonly used language, that are […]