§33-6-25. Proof of Loss Forms
An insurer shall furnish, upon written request of any person claiming to have a loss under an insurance contract issued by such insurer, forms of proof of loss for completion by such person.
§33-6-26. Acts of Insurer Not Constituting Waiver of Policy Provisions or Defenses Thereunder
Without limitation of any right or defense of an insurer otherwise, none of the following acts by or on behalf of an insurer shall be deemed to constitute a waiver of any provision of a policy or of any defense of the insurer thereunder: (a) Acknowledgment of the receipt of notice of loss or claim […]
§33-6-27. Life Insurance Proceeds Exempt From Creditors
(a) If a policy of insurance, whether heretofore or hereafter issued, is effected by any person on his own life or on another life, in favor of a person other than himself or, except in cases of transfer with intent to defraud creditors, if a policy of life insurance is assigned or in any way […]
§33-6-28. Group Life Insurance Proceeds Exempt From Creditors
(a) A policy of group life insurance or the proceeds thereof payable to the individual insured or to the beneficiary thereunder, shall not be liable, either before or after payment, to be applied by any legal or equitable process to pay any liability of any person having a right under the policy. (b) This section […]
§33-6-29. Motor Vehicle Policy; Injuries to Guest Passengers; Coverage for Loaned or Leased Motor Vehicles; Exceptions
(a) An insurer may not issue any policy of bodily injury or property damage liability insurance which excludes coverage to the owner or operator of a motor vehicle on account of bodily injury or property damage to any guest or invitee who is a passenger in such motor vehicle. (b) Every policy or contract of […]
§33-6-3. Insurable Interest in Property
(a) No insurance contract on property or of any interest therein or arising therefrom shall be enforceable as to the insurance except for the benefit of persons having an insurable interest in the things insured. (b) "Insurable interest" as used in this section means any actual, lawful, and substantial economic interest in the safety or […]
§33-6-30. Construction of Policies
(a) Every insurance contract shall be construed according to the entirety of its terms and conditions as set forth in the policy and as amplified, extended or modified by any rider, endorsement or application attached to and made a part of the policy: Provided, That the word "physician" when used in any accident and sickness […]
§33-6-31. Motor Vehicle Policy; Omnibus Clause; Uninsured and Underinsured Motorists' Coverage; Conditions for Recovery Under Endorsement; Rights and Liabilities of Insurer
(a) No policy or contract of bodily injury liability insurance, or of property damage liability insurance, covering liability arising from the ownership, maintenance or use of any motor vehicle, may be issued or delivered in this state to the owner of such vehicle, or may be issued or delivered by any insurer licensed in this […]
§33-6-31a. Rates Charged for Uninsured Motorist Coverage
Rates charged by insurers for the minimum uninsured motorist coverage required under the provisions of section thirty-one, of this article, shall be separate from the rates charged by an insurer for the optional limits afforded the policyholder under said section.
§33-6-31b. Nondiscriminatory Automobile Insurance Rates for Handicapped Persons
No insurer, in determining rates to be charged for a policy or contract of bodily injury liability insurance or of property damage liability insurance, covering liability arising from the ownership, maintenance or use of a motor vehicle, may discriminate in any manner on the basis of an insured's or potential insured's physical handicap.
§33-6-31c. Substandard Risk Motor Vehicle Insurance Policies; Definitions; Required Notices and Provisions; Promulgation of Rules; Effective Date; Money Penalty for Failure to Give Required Notice
(a) For purposes of this section, the following definitions apply: (1) A "substandard risk" means an applicant for insurance who presents a greater exposure to loss than that contemplated by commonly used rate classifications, as evidenced by one or more of the following conditions:
§33-6-31d. Form for Making Offer of Optional Uninsured and Underinsured Coverage
(a) Optional limits of uninsured motor vehicle coverage and underinsured motor vehicle coverage required by §33-6-31 of this code shall be made available to the named insured at the time of initial application for liability coverage and upon any request of the named insured on a form prepared and made available by the Insurance Commissioner. […]
§33-6-31e. Notice of Proposed Settlement for Policy Limits to Underinsured Motorist Coverage Carrier; Waiver of Subrogation; Time Limits
(a) When an automobile liability insurer indemnifying a tortfeasor offers to pay its full policy limits of coverage for bodily injury or death to a claimant in a claim involving a motor vehicle accident, conditioned upon an underinsured motorist coverage carrier waiving its rights of subrogation against the tortfeasor, then the claimant or the liability […]
§33-6-31f. Uninsured and Underinsured Motorists' Coverage Optional on Umbrella and Excess Type Liability Policies
(a) Notwithstanding any other provisions of this article, insurers issuing or providing liability policies that are of an excess or umbrella type and which are written to cover automobile liability shall offer uninsured and underinsured motor vehicle coverage on such policies in an amount not less than the amount of liability insurance purchased by the […]
§33-6-31g. Electronic Insurance Verification Program; Insurer's Duty to Cooperate
(a) If the Division of Motor Vehicles establishes an electronic insurance verification program in accordance with the provisions of section six-a, article two-a, chapter seventeen-d of this code, any insurance company that issues or delivers in this state a policy or contract of bodily injury liability insurance or of property damage liability insurance covering liability […]
§33-6-31h. Excluded Drivers; Definitions; Legislative Findings; Restrictive Endorsements
(a) For purposes of this section, the following definitions apply: (1) A "motor vehicle liability policy" means an "owner's policy" or an "operator's policy" of liability insurance certified as provided in section twelve, article four, chapter seventeen-d of this code.
§33-6-32. Newly Born Children to Be Covered by All Health Insurance Policies
All individual and group health insurance policies providing coverage on an expense incurred basis and individual and group service or indemnity type contracts issued by a nonprofit corporation which provide coverage for a family member of the insured or subscriber shall, as to such family members' coverage, also provide that the health insurance benefits applicable […]
§33-6-33. Valuation of Motor Vehicle Involved in Claim
Insurance companies doing business in this state shall use the most recent version of an “official used car guide” approved by the Insurance Commissioner as a guide for setting the minimum value of any motor vehicle involved in a claim settlement arising from the total loss of a motor vehicle. In addition to any cash […]
§33-6-34. Fee for Form, Rate, and Rule Filing
(a) As used in this section, “filing” means any form filing made pursuant to 33-6-8 of this code or any rule or rate filing made pursuant to this chapter. (b) A fee of $100 shall be submitted with each filing for each insurer, irrespective of the number of forms, rules, or rates included within or […]
§33-6-35. Mass Marketed Life and Health Insurance
(a) No mass marketed life or health insurance including mass marketed life or health insurance under a group or blanket policy issued outside this state to residents of this state, shall be effected on persons in this state until the commissioner finds that the total charges for the insurance to the persons insured are reasonable […]