Article 1. Authorization of Insurers and General Requirements

Sec 20-201. "Alien" insurer defined

Sec 20-202. "Charter" defined

Sec 20-202.01. Stock insurer's initial free surplus defined

Sec 20-202.02. Mutual insurer's minimum required basic surplus defined

Sec 20-202.03. Mutual insurer's initial free surplus defined

Sec 20-202.04. Reciprocal insurer's required basic surplus defined

Sec 20-202.05. Reciprocal insurer's initial free surplus defined

Sec 20-203. "Domestic" insurer defined

Sec 20-204. "Foreign" insurer defined

Sec 20-205. "State," "United States" defined

Sec 20-206. Authority to transact insurance

Sec 20-207. General qualifications to transact insurance

Sec 20-208. Definition of guaranteed investment contract

Sec 20-209. Kinds of insurance an insurer may transact

Sec 20-210. Minimum required capital stock or basic surplus

Sec 20-211. Surplus required

Sec 20-212. Funds required to transact additional kinds of insurance

Sec 20-213. Deposit requirements

Sec 20-214. Financial requirements; escalator provisions

Sec 20-215. Application for certificate of authority

Sec 20-216. Issuance or refusal of certificate

Sec 20-217. Certificate of authority; term; termination; delivery upon termination or revocation

Sec 20-218. Name of insurer

Sec 20-218.01. Appointment of a statutory agent

Sec 20-218.02. Change of known place of business or statutory agent

Sec 20-219. Mandatory revocation or suspension

Sec 20-220. Certificate of authority; refusal to renew; revocation or suspension; civil penalty

Sec 20-220.01. Hazardous financial condition; determination; order

Sec 20-221. Director as agent for service of process

Sec 20-222. Service of process; time to answer

Sec 20-223. Annual statement; payment of fees; penalty for failure to file or pay

Sec 20-223.01. Annual report of product liability insurer

Sec 20-224. Premium tax; reports

Sec 20-224.01. Additional premium tax

Sec 20-224.02. Credit for overpayment of tax

Sec 20-224.03. Premium tax credit for new employment

Sec 20-224.04. Premium tax credit for increased employment in military reuse zones; definitions

Sec 20-224.05. Premium tax credit for health insurance certificates submitted by qualified persons; definitions

Sec 20-224.06. Premium tax credit for contributions to school tuition organization; low-income scholarships

Sec 20-224.07. Premium tax credit for contributions to school tuition organization; displaced students and students with disabilities

Sec 20-225. Failure to pay tax; penalty

Sec 20-226. Exclusive character of premium tax; exception

Sec 20-227. Disposition of tax proceeds

Sec 20-228. Exemption of insurers from general corporation reports and fees

Sec 20-229. Countersignature of insurance producer; exceptions

Sec 20-230. Retaliation

Sec 20-231. Transfer of domicile

Sec 20-232. Junior achievement program; exemption from licensure

Sec 20-233. Additional information required of insurer; disclosure to director; violation; classification

Sec 20-234. Filing requirement; participation in the insurance regulatory information system

Sec 20-235. Insurers; financial disclosure; requirements

Sec 20-236. Civil penalty for failure to respond to a request for verification of financial responsibility

Sec 20-237. Failure to provide information; penalty

Sec 20-238. Health insurance; state regulation; rating areas; definitions

Sec 20-239. Electronic communications and records; applicability; definitions

Sec 20-240. Electronic posting of policies; definitions

Article 2. Kinds of Insurance; Reinsurance; Limits of Risk

Sec 20-251. Definitions not mutually exclusive

Sec 20-252. "Casualty insurance" defined

Sec 20-253. "Disability insurance" defined

Sec 20-254. "Life insurance" defined

Sec 20-254.01. "Annuities" defined

Sec 20-255. "Marine and transportation insurance" defined

Sec 20-256. "Property insurance" defined

Sec 20-257. "Surety insurance" defined

Sec 20-258. Multiple line insurers

Sec 20-259. "Vehicle insurance" defined

Sec 20-259.01. Motor vehicle liability policy; uninsured optional; underinsured optional; subrogation; medical payments liens; definitions

Sec 20-259.02. Coverage to include car pool operators and car pool vehicles; definitions

Sec 20-259.03. Uninsured and underinsured motorist coverages; insured; wrongful death recovery

Sec 20-260. Limit of risk

Sec 20-261. Authorized reinsurance

Sec 20-261.01. Credit for reinsurance

Sec 20-261.02. Reduction from liability for reinsurance ceded by a domestic insurer to an assuming insurer

Sec 20-261.03. Qualified United States financial institution; definitions

Sec 20-261.04. Reinsurance agreements affected

Sec 20-261.05. Credit for reinsurance

Sec 20-261.06. Asset or reduction from liability for reinsurance ceded by a domestic insurer to an assuming insurer

Sec 20-261.07. Reinsurance agreements affected

Sec 20-261.08. Rules

Sec 20-262. Motor vehicle insurance policy; reduction of rate for older person completing accident prevention course; course requirements

Sec 20-263. Vehicle insurance; prohibited act by insurer; hearing; penalty

Sec 20-264. Automobile insurance; damaged safety equipment deductible optional; definition

Sec 20-265. Motor vehicle insurance; premium comparisons and complaint ratios

Sec 20-266. Minimum liability policy; availability

Sec 20-267. Motor vehicle liability policies; monthly basis; fee

Sec 20-268. Motor vehicle subrogation

Sec 20-270. Residential property insurance; prohibited acts

Sec 20-271. Lienholders; proof; accidents; notice; applicability

Article 3. Insurance Producer Licensing

Sec 20-281. Definitions

Sec 20-282. License required

Sec 20-283. Exceptions to insurance producer licensing

Sec 20-284. Application for examination

Sec 20-285. Application for license

Sec 20-286. Licensure; lines of authority

Sec 20-287. Nonresident licensing

Sec 20-288. Exemption from examination

Sec 20-289. Expiration; surrender; renewal

Sec 20-289.01. Inactive license or application status during military service

Sec 20-290. Insurance producer records; individual licensees

Sec 20-291. Service of process on nonresident licensees

Sec 20-292. Violation; injunctive relief

Sec 20-293. Insurance vending machines

Sec 20-294. Temporary licensing

Sec 20-295. License denial, suspension or revocation; civil penalty

Sec 20-296. Effect of suspension or revocation of license

Sec 20-297. Assumed business name; trade name

Sec 20-298. Commissions

Sec 20-299. Sharing of information

Sec 20-300. Reciprocity

Sec 20-301. Report of actions

Sec 20-302. Rules

Article 3.1. Managing General Agents

Sec 20-311. Definition of managing general agent; exceptions; adjustment or payment of claims

Sec 20-311.01. Managing general agents; requirements

Sec 20-311.02. Requirements for managing general agent agreements

Article 3.2. Adjusters

Sec 20-321. Definitions

Sec 20-321.01. Licensing of adjusters; qualifications; exemption

Sec 20-321.02. Application of other laws

Article 3.3. Other Insurance Professionals

Sec 20-331. Rental car agents; definitions

Sec 20-331.01. Political subdivision employees; risk management consultant licenses; application of other laws

Sec 20-332. Self-service storage agents; license; definitions

Sec 20-333. Limited lines travel insurance producer business entity license; requirements; travel retailers; definitions

Article 3.4. Navigators and Certified Application Counselors

Sec 20-336. Definitions

Sec 20-336.01. Scope and application of article

Sec 20-336.02. License required

Sec 20-336.03. Navigators; licensing

Sec 20-336.04. Certified application counselors; licensing

Sec 20-336.05. Enforcement; rules

Sec 20-336.06. Application of other laws

Article 3.5. Bail Bond Agents and Bail Recovery Agents

Sec 20-340. Definitions

Sec 20-340.01. Bail bond agents; licensure; business entities; place of business; receipt; maintenance of records

Sec 20-340.02. Bond of bail bond agents

Sec 20-340.03. Bail bond agent prohibitions

Sec 20-340.04. Bail recovery agent prohibitions; criminal records checks

Sec 20-340.05. Rules

Sec 20-340.06. Application of other laws

Article 4. Rates and Rating Organizations

Sec 20-341. Purpose of insurance rate regulation

Sec 20-342. Scope and application of article

Sec 20-343. Definitions

Sec 20-344. Uniform plans

Sec 20-356. Making of rates

Sec 20-357. Filing of rating system; definition

Sec 20-358. Disapproval of rates

Sec 20-359. Deviations from filed workers' compensation rates

Sec 20-361. Licensing of rating organizations

Sec 20-362. Notice to director of changes in rating organization

Sec 20-363. Availability of services of rating organization to members

Sec 20-364. Technical services

Sec 20-365. Cooperation in rate making

Sec 20-366. Appeal by member or subscriber from action relating to filings

Sec 20-367. Workers' compensation appeals board; composition

Sec 20-367.01. Appeals procedure

Sec 20-368. Advisory organizations

Sec 20-369. Joint underwriting or joint reinsurance

Sec 20-370. Examinations of rating organizations

Sec 20-371. Rate administration

Sec 20-372. Disclosure of information relating to rates

Sec 20-373. Commissions and fees

Sec 20-374. Revocation and suspension of licenses

Sec 20-375. Making of title insurance rates

Sec 20-376. Filing of title insurance rates; approval or disapproval

Sec 20-377. Justification for title insurance rates

Sec 20-378. Disapproval of title insurance filings

Sec 20-379. Deviations in title insurance rates

Article 4.1. Open Competition Rates and Rating Organizations

Sec 20-381. Definitions

Sec 20-382. Scope of application

Sec 20-383. Rate standards

Sec 20-384. Rating criteria

Sec 20-385. Filing of rates

Sec 20-386. Filings open to inspection

Sec 20-387. Delegation of rate making and rate filing obligations

Sec 20-388. Disapproval of rates

Sec 20-389. Rate service organizations; license; application

Sec 20-390. Advisory organizations; filing with director

Sec 20-391. Joint underwriting and joint reinsurance organizations; filing with director

Sec 20-392. Rate agreements among insurers prohibited

Sec 20-393. Recording and reporting of experience

Sec 20-394. Examination of rate service organizations and joint underwriting and joint reinsurance organizations

Sec 20-395. Apportionment agreements among insurers

Sec 20-396. Hearing and judicial review

Sec 20-397. Penalties; exception

Sec 20-398. Policy forms; approval or disapproval; exemption

Sec 20-399. Payment of dividends

Article 4.2. Compliance With Filed Rates

Sec 20-400. Scope of provisions

Sec 20-400.01. Unjustified adjustments

Sec 20-400.02. Submittal of data comparing premiums charged to filed rates

Sec 20-400.03. Penalties

Sec 20-400.04. Examinations

Sec 20-400.05. Examiners and examination related expenses

Sec 20-400.07. Report of examination

Sec 20-400.08. Insurance consumer advisory board

Sec 20-400.09. Rules

Sec 20-400.10. Industrial insureds

Article 5. Unauthorized Insurers

Sec 20-401. Definitions

Sec 20-401.01. Unlawful transaction of insurance business; exemptions

Sec 20-401.02. Violation; cease and desist orders; injunctive relief

Sec 20-401.03. Service of process in an action by the director of insurance

Sec 20-401.04. Action by attorney general to enforce order or decision of court or director; foreign decrees

Sec 20-401.05. Certificate of exemption; definitions

Sec 20-401.06. Unauthorized transactions; classification

Sec 20-401.07. Premium receipts tax on industrial insureds contracting with unauthorized insurer; definitions

Sec 20-402. Validity of contracts

Sec 20-403. Service of process in an action by someone other than the director of insurance

Sec 20-404. Exemptions

Sec 20-405. Prerequisites for participating in court action

Sec 20-406. Attorneys' fees in action against insurer

Sec 20-407. Surplus lines; brokers

Sec 20-408. Report of broker; civil penalty

Sec 20-409. Recognized surplus lines

Sec 20-410. Validity of surplus lines insurance; disclosure; policy fees

Sec 20-411. Licensing of surplus lines broker; examination

Sec 20-411.01. Licensing of Mexican insurance surplus lines broker

Sec 20-411.02. Nonresident surplus lines broker; remittance of tax on insurance procured out of state

Sec 20-412. Acceptance of surplus lines business by broker

Sec 20-413. Placing of surplus lines coverage; endorsement by broker; list of unauthorized insurers; removal from list; definition

Sec 20-414. Records of surplus lines brokers

Sec 20-415. Statement of surplus lines insurance business transacted by broker; reporting periods

Sec 20-416. Tax on surplus lines

Sec 20-416.01. Collection and payment of tax on surplus lines; multistate agreement

Sec 20-417. Failure to remit tax; civil penalty

Sec 20-418. Denial, revocation or suspension of license; civil penalty

Sec 20-419. Legal process against surplus lines insurer

Sec 20-420. Exemptions from surplus lines provisions

Sec 20-421. Access of director to records of person insured by unauthorized insurer

Sec 20-422. Alien insurance for coverage in Mexico

Sec 20-423. Voluntary domestic organization of surplus lines brokers; membership; stamping fee collection; meetings; definition

Article 6. Unfair Practices and Frauds

Sec 20-441. Purpose of article; definition

Sec 20-442. Unfair trade practices prohibited

Sec 20-443. Misrepresentations and false advertising of policies; false disclosure of compensation

Sec 20-443.01. Misrepresentation in sale of insurance; violation; classification

Sec 20-443.02. Stranger originated life insurance

Sec 20-444. False or deceptive advertising of insurance or status as insurer

Sec 20-445. Defamation

Sec 20-446. Acts tending to result in unreasonable restraint or monopoly of insurance business

Sec 20-447. False financial statements or records

Sec 20-448. Unfair discrimination; definitions

Sec 20-448.01. Required insurance procedures relating to HIV information; confidentiality; violations; penalties; definitions

Sec 20-448.02. Genetic testing; informed consent; definitions

Sec 20-449. Rebates on life or disability insurance

Sec 20-450. Practices not prohibited as discrimination or rebates in life and disability insurance; wellness programs

Sec 20-451. Rebates on other than life or disability insurance

Sec 20-452. Prohibited inducements

Sec 20-452.01. Designation of particular insurer or person transacting insurance prohibited

Sec 20-452.02. Exceptions

Sec 20-452.03. Evidence of nonviolation

Sec 20-452.04. Investigation by director of alleged violations

Sec 20-453. Programs for purchase by policyholders of securities of insurance companies

Sec 20-454. Programs for purchase by policyholders of securities of companies not engaged in insurance

Sec 20-455. Interlocking ownership or management; multiple directorship

Sec 20-456. Cease and desist order for defined or prohibited practices; civil penalty

Sec 20-457. Premature disposal of premium notes prohibited

Sec 20-458. Fraudulent statement in application; classification

Sec 20-459. Deferred dividends; life

Sec 20-460. Free choice of insurance producer

Sec 20-461. Unfair claim settlement practices

Sec 20-462. Timely payment of claims

Sec 20-463. Fraud; injunction; penalties; restitution; definitions

Sec 20-463.01. Unlawful practices; auto glass repair; policyholders; insurers

Sec 20-464. Prohibiting payment for services to persons other than the assignee

Sec 20-465. Fees; deposits; exception

Sec 20-466. Fraud unit; peace officer status; powers; information sharing duty of insurers

Sec 20-466.01. Fraud; classification

Sec 20-466.02. Injunction; restitution; civil penalties; costs

Sec 20-466.03. Notice of penalty for false or fraudulent claims; definition

Sec 20-466.04. Referrals to other licensing agencies; definition

Sec 20-467. Return premiums; penalties

Sec 20-468. Motor vehicle loss; policyholder choice of repair facility

Sec 20-469. Motor vehicle loss; choice of glass repair facility

Sec 20-469.01. Third party administrator; glass; violation; classification; definition

Article 7. Insurance on Collateral Security

Sec 20-471. Definition of insurance service charge; limit; prohibited use

Sec 20-472. Service charges in connection with insurance on collateral security prohibited when change of ownership

Sec 20-473. Obligation of mortgagee to furnish mortgagor copies of insurance policy

Sec 20-474. Service charges in connection with insurance on collateral security prohibited when mortgagee procures insurance

Sec 20-475. Reasonable requirements of security holder are valid

Sec 20-475.01. Insurance on mortgaged property; disclosure of expiration date prohibited; exception

Sec 20-476. Violation; classification

Article 8. Insurance Holding Company Systems

Sec 20-481. Definitions

Sec 20-481.01. Investment limitations; exemptions

Sec 20-481.02. Tender offers; required statements; disclosures; approval or disapproval by director; definition

Sec 20-481.03. Contents of statement

Sec 20-481.04. Statement filed by partnership, corporation or other group

Sec 20-481.05. Material change of fact; filing amended statement; time

Sec 20-481.06. Use of other statements

Sec 20-481.07. Approval and issues; notice; hearings

Sec 20-481.08. Appointment of director as agent for service of process; forwarding of process; consent to jurisdiction

Sec 20-481.09. Registration of insurers; deadline

Sec 20-481.10. Form and content of registration statement; disclosure of information; enterprise risk filing

Sec 20-481.11. Exemption for nonmaterial items

Sec 20-481.12. Standards

Sec 20-481.13. Material changes; amended statement; time; reporting of dividends

Sec 20-481.14. Termination of registration

Sec 20-481.15. Consolidated registration by affiliates

Sec 20-481.16. Alternative registration for an affiliate

Sec 20-481.17. Exemption by director

Sec 20-481.18. Disclaimer of affiliation or control; contents; effect on duty to register

Sec 20-481.19. Extraordinary dividend or distribution; time; notice; approval by director; definition

Sec 20-481.20. Examination of registered insurers; powers; limits; expense

Sec 20-481.21. Confidential records; consent to release; release without consent; information sharing

Sec 20-481.22. Power to make rules

Sec 20-481.23. Violations

Sec 20-481.24. Adequacy of surplus

Sec 20-481.25. Acquisitions involving insurers not otherwise covered; anticompetitive considerations; civil penalty; definitions

Sec 20-481.26. Penalties; cease and desist order; violation; classification

Sec 20-481.27. Recovery; liability

Sec 20-481.28. Insurer's license; revocation; suspension; nonrenewal

Sec 20-481.29. Injunctions; prohibitions against voting securities; sequestration of voting securities

Sec 20-481.30. Judicial review; special action

Sec 20-481.31. Supervisory colleges

Sec 20-481.32. Management of domestic insurers subject to registration

Article 9. Insurance Administrators

Sec 20-485. Definitions; scope

Sec 20-485.01. Written agreement; provisions; maintenance of records

Sec 20-485.02. Administrator as intermediary between insurer and insured; right of action preserved

Sec 20-485.03. Maintenance of records; access; confidentiality; information sharing; examination

Sec 20-485.04. Advertising; approval

Sec 20-485.05. Inclusion of underwriting standards

Sec 20-485.06. Charges or premiums collected held in fiduciary capacity; establishment of account; disbursements

Sec 20-485.07. Payment of claims on behalf of insurer

Sec 20-485.08. Delivery of written communications

Sec 20-485.09. Adjustment or settlement of claims; compensation

Sec 20-485.10. Deposit or surety bond of administrators; amount; purpose

Sec 20-485.11. Notice to insureds; statement of charge or premium for coverage; conflict of interest prohibited

Sec 20-485.12. Certificate of registration; fees; expiration; revocation; civil penalties; violation; classification; injunctive relief; exemption

Article 10. Reinsurance Intermediaries

Sec 20-486. Definitions; director's list

Sec 20-486.01. Licensure of reinsurance intermediaries

Sec 20-486.02. Required contract provisions; reinsurance intermediary brokers

Sec 20-486.03. Books and records; reinsurance intermediary brokers

Sec 20-486.04. Duties of insurers utilizing the services of a reinsurance intermediary broker

Sec 20-486.05. Required contract provisions; reinsurance intermediary managers

Sec 20-486.06. Books and records; reinsurance intermediary managers

Sec 20-486.07. Prohibited acts; reinsurance intermediary managers

Sec 20-486.08. Duties of reinsurers utilizing the services of a reinsurance intermediary manager

Sec 20-486.09. Examination authority

Sec 20-486.10. Penalties and liabilities

Sec 20-486.11. Adoption of rules

Article 11. Producer Controlled Property and Casualty Insurance

Sec 20-487. Definitions

Sec 20-487.01. Applicability

Sec 20-487.02. Minimum standards

Sec 20-487.03. Disclosure

Sec 20-487.04. Penalties

Article 12. Risk-Based Capital for Insurers

Sec 20-488. Definitions

Sec 20-488.01. Risk-based capital reports

Sec 20-488.02. Company action level event

Sec 20-488.03. Regulatory action level event

Sec 20-488.04. Authorized control level event

Sec 20-488.05. Mandatory control level event

Sec 20-488.06. Hearings

Sec 20-488.07. Confidentiality; information sharing

Sec 20-488.08. Supplemental provisions; rules; exemption

Sec 20-488.09. Foreign insurers

Sec 20-488.10. Notice

Sec 20-488.11. Immunity

Article 13. Violent Crime Control and Law Enforcement Act

Sec 20-489. Violent crime control and law enforcement act; insurance business; rules

Sec 20-489.01. Application of other laws

Article 14. Enforcement of Insurance Policies Affecting Certain Holocaust Victims

Sec 20-490. Definitions

Sec 20-490.01. Suspension of limitations period

Sec 20-490.02. Enforcement; civil penalty