2005 Texas Insurance Code CHAPTER 2152. GROUP INSURANCE IN UNDERSERVED AREAS

INSURANCE CODE

CHAPTER 2152. GROUP INSURANCE IN UNDERSERVED AREAS


	§ 2152.001. DEFINITION.  In this chapter, "residential 
property insurance" means insurance against loss to real or 
tangible personal property at a fixed location that is provided 
through a homeowners policy, residential fire and allied lines 
policy, or farm and ranch owners policy.

Added by Acts 2005, 79th Leg., ch. 727, § 2, eff. April 1, 2007.           


	§ 2152.002. DESIGNATION OF UNDERSERVED AREAS.  (a) The 
commissioner by rule may designate an area as an underserved area 
for personal automobile insurance or residential property 
insurance.
	(b)  In determining which areas to designate as underserved, 
the commissioner shall consider:
		(1)  whether the insurance described by Subsection (a) 
is not reasonably available to a substantial number of insurable 
risks and the availability of insurance in general;  and
		(2)  any other relevant factor as determined by the 
commissioner.           

Added by Acts 2005, 79th Leg., ch. 727, § 2, eff. April 1, 2007.           


	§ 2152.003. AUTHORIZATION FOR ISSUANCE OF GROUP INSURANCE 
IN UNDERSERVED AREA.  An insurer authorized to write property or 
casualty insurance in this state, including a Lloyd's plan and a 
reciprocal or interinsurance exchange, that writes personal 
automobile insurance or residential property insurance in this 
state may write the personal automobile insurance or residential 
property insurance on a group basis in an underserved area 
designated by the commissioner.

Added by Acts 2005, 79th Leg., ch. 727, § 2, eff. April 1, 2007.           


	§ 2152.004. EXCLUSION OF CERTAIN COVERAGE.  Group 
insurance provided under this chapter may not include windstorm and 
hail insurance coverage for a risk eligible for that coverage under 
Chapter 2210.

Added by Acts 2005, 79th Leg., ch. 727, § 2, eff. April 1, 2007.           


	§ 2152.005. FORMATION OF GROUP.  A group may be formed 
solely to purchase insurance subject to this chapter.

Added by Acts 2005, 79th Leg., ch. 727, § 2, eff. April 1, 2007.           


	§ 2152.006. RATES.  Rates for coverage provided under 
this chapter are subject to the applicable statutes relating to the 
insurers providing the coverage. 

Added by Acts 2005, 79th Leg., ch. 727, § 2, eff. April 1, 2007.           


	§ 2152.007. POLICY FORMS AND CERTIFICATES.  The 
commissioner shall adopt policy forms and certificates for use in 
underserved areas designated by the commissioner under this 
chapter. 

Added by Acts 2005, 79th Leg., ch. 727, § 2, eff. April 1, 2007.           


	§ 2152.008. RULES.  In addition to other rules adopted 
under this chapter, the commissioner may adopt any rules that are 
appropriate and necessary to implement this chapter.

Added by Acts 2005, 79th Leg., ch. 727, § 2, eff. April 1, 2007.