There is a newer version of the West Virginia Code
2009 West Virginia Code
CHAPTER 33. INSURANCE
- §33-1-1 Insurance.
- §33-1-2 Insurer.
- §33-1-3 Person.
- §33-1-4 Repealed
- §33-1-5 Commissioner.
- §33-1-6 Domestic insurer.
- §33-1-7 Foreign insurer.
- §33-1-8 Alien insurer.
- §33-1-9 State; United States.
- §33-1-10 Kinds of insurance defined.
- §33-1-11 Reinsurance.
- §33-1-12 Agent.
- §33-1-13 Solicitor.
- §33-1-14 Broker.
- §33-1-15 Reciprocal insurance.
- §33-1-16 Policy.
- §33-1-17 Premium.
- §33-1-18 Stock insurer.
- §33-1-19 Mutual insurer.
- §33-1-20 Repealed
- §33-1-21 Emergency services.
- §33-1-22 Repealed
ARTICLE 2. INSURANCE COMMISSIONER.
- §33-2-1 Office continued; appointment, qualifications and term.
- §33-2-2 Compensation and expenses of commissioner and employees; location of office.
- §33-2-3 Duties of the commissioner; employment of legal counsel.
- §33-2-3a Administrative investigations.
- §33-2-4 Authority to take depositions, subpoena witnesses, etc.
- §33-2-5 Witness fees.
- §33-2-6 Service of subpoena; compelling compliance.
- §33-2-7 Immunity of witness.
- §33-2-8 Insured to produce records upon request.
- §33-2-9 Examination of insurers, agents, brokers and solicitors; access to books, records, etc.
- §33-2-9a Imposing a one-time assessment on all insurance carriers.
- §33-2-10 Rules and regulations.
- §33-2-10a Insurance emergencies -- suspension of deadlines.
- §33-2-11 Enforcement of orders; revocation of licenses; court action.
- §33-2-12 Notice.
- §33-2-13 Hearings.
- §33-2-14 Judicial review.
- §33-2-15 Annual report by commissioner.
- §33-2-15a Annual flood insurance communication to public entities by commissioner.
- §33-2-15b Reports to the Legislature.
- §33-2-15c Reports to the Legislature.
- §33-2-15d Report to the Legislature.
- §33-2-16 Office of Consumer Advocacy established; Director of Consumer Advocacy; promulgation of rules.
- §33-2-17 Office of Consumer Advocacy.
- §33-2-18 Funding.
- §33-2-19 Confidentiality of information.
- §33-2-20 Authority of Commissioner to allow withdrawal of insurance carriers from doing business in the state.
- §33-2-21 Authority of Insurance Commissioner to regulate Workers' Compensation industry; authority of Insurance Commissioner to administer chapter twenty-three of the Code of West Virginia.
- §33-2-22 Authority of Insurance Commissioner regarding employers in default to workers' compensation funds; injunctions against defaulting employers.
ARTICLE 3. LICENSING, FEES AND TAXATION OF INSURERS.
- §33-3-1 License required.
- §33-3-2 Qualifications for license.
- §33-3-3 Prerequisites to issuance of charter for domestic insurer.
- §33-3-4 Charter, documents and information to be filed.
- §33-3-5 Repealed
- §33-3-5a Repealed
- §33-3-5b Capital and surplus requirements.
- §33-3-6 Property and casualty, financial guaranty and mortgage guaranty insurers - Deposit requirements.
- §33-3-7 Issuance of license to transact insurance; kinds of insurance authorized to be transacted.
- §33-3-8 Expiration of license; renewal.
- §33-3-9 Refusal to license.
- §33-3-10 Mandatory refusal, revocation or suspension.
- §33-3-11 Discretionary refusal, revocation or suspension; penalty in lieu thereof; reissuance.
- §33-3-12 Deceptive, misleading or conflicting names of insurers.
- §33-3-13 Fees and charges.
- §33-3-14 Annual financial statement and premium tax return; remittance by insurer of premium tax, less certain deductions; special revenue fund created.
- §33-3-14a Additional premium tax.
- §33-3-14b Credits against premium tax for investment in West Virginia securities.
- §33-3-14c Computation and payment of tax.
- §33-3-14d Additional fire and casualty insurance premium tax; allocation of proceeds; effective date.
- §33-3-15 Annuity tax.
- §33-3-16 Retaliation.
- §33-3-17 Minimum tax payable.
- §33-3-18 Repealed
- §33-3-19 Repealed
- §33-3-20 Repealed
- §33-3-21 Repealed
- §33-3-22 Repealed
- §33-3-23 Repealed
- §33-3-24 Repealed
- §33-3-25 Repealed
- §33-3-26 Repealed
- §33-3-27 Repealed
- §33-3-28 Repealed
- §33-3-29 Repealed
- §33-3-30 Repealed
- §33-3-31 Repealed
- §33-3-32 Repealed
- §33-3-33 Surcharge on fire and casualty insurance policies to benefit volunteer and part-volunteer fire departments; Public Employees Insurance Agency and municipal pension plans; special fund created; allocation of proceeds; effective date.
ARTICLE 3A. STATE OF ENTRY FOR FOREIGN INSURERS.
- §33-3A-1 Definitions.
- §33-3A-2 Scope.
- §33-3A-3 Authorization of entry.
- §33-3A-4 Maintenance of trust account.
- §33-3A-5 Requirements for trust agreement.
- §33-3A-6 Reporting requirements for U.S. branches of non-U.S. insurers.
- §33-3A-7 Additional requirements for the U.S. branch license.
- §33-3A-8 Authority of commissioner.
ARTICLE 4. GENERAL PROVISIONS.
- §33-4-1 Compliance with chapter required.
- §33-4-2 Application of chapter to particular types of insurers.
- §33-4-3 Expiration of existing licenses.
- §33-4-4 Effect of chapter on existing contracts.
- §33-4-5 Continuation of existing forms and filings.
- §33-4-6 Effect of repealed laws on existing rights, actions or punishments.
- §33-4-7 Particular provisions prevail over general provisions.
- §33-4-8 General penalty.
- §33-4-9 Repeal of inconsistent provisions; prior law not revived.
- §33-4-10 Severability.
- §33-4-11 Effective date of chapter.
- §33-4-12 Service of process on licensed insurers.
- §33-4-13 Service of process on unlicensed insurers.
- §33-4-14 Financial statement filings; annual and quarterly statements; required format; foreign insurers; agents of the commissioner.
- §33-4-15 Reinsurance.
- §33-4-15a Credit for reinsurance; definitions; requirements; trust accounts; reductions from liability; security; effective date.
- §33-4-15b Reinsurance agreements; reduction of liability; requirements.
- §33-4-16 Limit of risk.
- §33-4-17 Prohibited interests of officers and directors in certain transactions.
- §33-4-18 Representation of unlicensed insurers prohibited; liability; exceptions.
- §33-4-19 Domestics to comply with reciprocal state laws.
- §33-4-20 Cancellation, nonrenewal or limitation of coverage of life or sickness and accident insurance.
- §33-4-21 Deceptive sales on military bases prohibited; rules.
ARTICLE 5. ORGANIZATION AND PROCEDURES OF DOMESTIC STOCK AND MUTUAL INSURERS.
- §33-5-1 Scope of article.
- §33-5-2 Application of general laws.
- §33-5-3 Articles of incorporation.
- §33-5-4 Certificate of incorporation.
- §33-5-5 Amendment of articles of incorporation.
- §33-5-6 Formation of mutuals -- Applications for insurance.
- §33-5-7 Formation of mutuals -- Deposit of premiums; filing of trust agreement; issuance and effective date of policies.
- §33-5-8 Formation of mutuals -- Assets required; temporary capital stock.
- §33-5-9 Mutual bylaws.
- §33-5-10 Mutual quorum.
- §33-5-11 Mutual membership.
- §33-5-12 Corporate rights of mutual members.
- §33-5-13 Contingent liability of mutual members.
- §33-5-14 Enforcement of contingent liability.
- §33-5-15 Mutual nonassessable policies.
- §33-5-16 Participating policies.
- §33-5-17 Dividends to stockholders.
- §33-5-18 Dividends to mutual members.
- §33-5-19 Illegal dividends; liability; penalty.
- §33-5-20 Borrowing by insurers.
- §33-5-21 Management and exclusive agency contracts.
- §33-5-22 Impairment of capital or assets.
- §33-5-23 Mutualization of stock insurer.
- §33-5-24 Converting mutual insurer.
- §33-5-25 Mergers and consolidations of stock insurers.
- §33-5-26 Reinsurance.
- §33-5-27 Redomestication of stock and mutual insurers.
- §33-5-28 Mergers and consolidations of mutual insurers.
- §33-5-29 Mutual member's share of assets on liquidation.
- §33-5-30 Insider trading.
- §33-5-31 Proxies, consents and authorizations in respect of any voting security issued by a domestic insurer.
- §33-5-32 Principal place of business of domestic insurers.
ARTICLE 6. THE INSURANCE POLICY.
- §33-6-1 Scope of article.
- §33-6-2 Insurable interest in one's own life or life of another; actions to recover benefits; insurable interests defined; requirements for charitable institutions.
- §33-6-3 Insurable interest in property.
- §33-6-4 Who may contract for insurance; competency of minors.
- §33-6-5 Application or consent of person insured required; exceptions.
- §33-6-5a Application for life or accident and sickness insurance; signatures required; exemptions; right of insured to return policy.
- §33-6-6 Application for insurance as evidence.
- §33-6-7 Representations in applications.
- §33-6-8 Filing of forms.
- §33-6-9 Grounds for disapproval of forms.
- §33-6-10 Standard provisions.
- §33-6-11 Contents of policy.
- §33-6-11a Right to return medicare supplement policy, certificate or contract.
- §33-6-11b Right to return life or accident and sickness insurance policy, certificate or contract.
- §33-6-12 Additional contents of policy.
- §33-6-13 Policy provisions as to charter, bylaws, or other documents.
- §33-6-14 Certain policy conditions, etc., voided.
- §33-6-14a Public liability insurance policies issued to charitable associations to contain provision for waiving of charitable immunity defense.
- §33-6-15 Execution of policies.
- §33-6-15a Notation of consumer cost savings.
- §33-6-16 Underwriters' and combination policies.
- §33-6-17 Validity of noncomplying forms.
- §33-6-18 Binders.
- §33-6-19 Renewal of policy by certificate or endorsement.
- §33-6-20 Assignment of policies.
- §33-6-21 Annulment of liability policies.
- §33-6-22 Payment discharges insurer.
- §33-6-23 Repealed
- §33-6-24 Simultaneous deaths.
- §33-6-25 Proof of loss forms.
- §33-6-26 Acts of insurer not constituting waiver of policy provisions or defenses thereunder.
- §33-6-27 Life insurance proceeds exempt from creditors.
- §33-6-28 Group life insurance proceeds exempt from creditors.
- §33-6-29 Motor vehicle policy; injuries to guest passengers; coverage for loaned or leased motor vehicles; exceptions.
- §33-6-30 Construction of policies.
- §33-6-31 Motor vehicle policy; omnibus clause; uninsured and underinsured motorists' coverage; conditions for recovery under endorsement; rights and liabilities of insurer.
- §33-6-31a Rates charged for uninsured motorist coverage.
- §33-6-31b Nondiscriminatory automobile insurance rates for handicapped persons.
- §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.
- §33-6-31d Form for making offer of optional uninsured and underinsured coverage.
- §33-6-31e Notice of proposed settlement for policy limits to underinsured motorist coverage carrier; waiver of subrogation; time limits.
- §33-6-31f Uninsured and underinsured motorists' coverage optional on umbrella and excess type liability policies.
- §33-6-32 Newly born children to be covered by all health insurance policies.
- §33-6-33 Value of motor vehicle involved in claim.
- §33-6-34 Fee for form, rate and rule filing.
- §33-6-35 Mass marketed life and health insurance.
- §33-6-36 Continuation of coverage under automobile liability policy; selection of coverage; exclusions; notice.
- §33-6-37 Cancellation or nonrenewal of a combination insurance policy; offer of optional coverage; date of inception of optional coverage.
ARTICLE 6A. CANCELLATION OR NONRENEWAL OF AUTOMOBILE LIABILITY POLICIES.
- §33-6A-1 Cancellation prohibited except for specified reasons; notice.
- §33-6A-1a Loss payee defined; notification of cancellation and nonrenewal to loss payee.
- §33-6A-2 Cancellation for other reasons void.
- §33-6A-3 Insurer to specify reasons for cancellation; immunity from liability or suit.
- §33-6A-4 Advance notice of nonrenewal required; assigned risk policies; reasons for nonrenewal; hearing and review after nonrenewal.
- §33-6A-4a Alternative method for nonrenewal for automobile liability and physical damage insurance.
- §33-6A-4b Manner of making election relating to nonrenewals.
- §33-6A-4c Report to the Legislature.
- §33-6A-5 Hearings and review by commissioner; action by commissioner; judicial review.
ARTICLE 6B. DECLINATION OF AUTOMOBILE LIABILITY INSURANCE.
- §33-6B-1 Purpose of article.
- §33-6B-2 Definitions.
- §33-6B-3 Declinations; prohibited reasons.
- §33-6B-4 Notification.
- §33-6B-5 Hearings and administrative procedure.
- §33-6B-6 Sanctions.
- §33-6B-7 Severability.
ARTICLE 6C. GUARANTEED LOSS RATIOS AS APPLIED TO INDIVIDUAL SICKNESS AND ACCIDENT INSURANCE POLICIES.
- §33-6C-1 Loss ratio guarantees; definitions.
- §33-6C-2 Insurance commissioner to establish guaranteed loss ratios; minimum rates; participation by insurer; calculation of ratios; minimum rate; application.
- §33-6C-3 Duties of insurance commissioner; promulgation of rules.
- §33-6C-4 Form of guarantee; requirements.
- §33-6C-5 Premium refunds; calculation of the same; payments.
- §33-6C-6 Disclosure of rating practices; renewability provisions.
- §33-6C-7 Rejection of guarantees; notice; hearing.
ARTICLE 6D. MOTOR VEHICLE REPAIR AND REPLACEMENT REFERRALS.
- §33-6D-1 Required use of particular companies or locations providing automobile glass replacement or repair services or products prohibited.
- §33-6D-2 Intimidation, coercion and other acts prohibited; permissive agreements.
- §33-6D-3 Permissible referrals; freedom of choice; payment of costs at prevailing market rates.
ARTICLE 6F. DISCLOSURE OF NONPUBLIC PERSONAL INFORMATION.
ARTICLE 7. ASSETS AND LIABILITIES.
- §33-7-1 Assets defined.
- §33-7-2 Deductions from assets and liabilities.
- §33-7-3 Assets not allowed.
- §33-7-4 Reporting assets not allowed or of doubtful value.
- §33-7-5 Liabilities.
- §33-7-6 Unearned premium reserve.
- §33-7-7 Reserves for accident and sickness insurance.
- §33-7-8 Increased reserves.
- §33-7-9 Standard valuation law.
- §33-7-9a Annuity mortality tables.
- §33-7-10 Valuation of bonds.
- §33-7-11 Valuation of other securities.
- §33-7-12 Valuation of real property.
- §33-7-13 Valuation of mortgages or deeds of trust.
- §33-8-1 Purpose and scope.
- §33-8-2 Definitions.
- §33-8-3 General investment qualifications.
- §33-8-4 Authorization of investments by the board of directors.
- §33-8-5 Prohibited investments.
- §33-8-6 Loans to officers and directors.
- §33-8-7 Valuation of investments.
- §33-8-8 Rules.
- §33-8-9 Life and health insurers - Applicability.
- §33-8-10 Same - General three percent diversification, medium and lower grade investments and Canadian investments.
- §33-8-11 Same - Rated credit instruments.
- §33-8-12 Same - Insurer investment pools.
- §33-8-13 Same - Equity interests.
- §33-8-14 Same - Tangible personal property under lease.
- §33-8-15 Same - Mortgage loans and real estate.
- §33-8-16 Same - Securities lending, repurchase, reverse repurchase and dollar roll transactions.
- §33-8-17 Same - Foreign investments and foreign currency exposure.
- §33-8-18 Same - Derivative transactions.
- §33-8-19 Same - Policy loans.
- §33-8-20 Same - Additional investment authority.
- §33-8-21 Property and casualty, financial guaranty and mortgage guaranty insurers - Applicability.
- §33-8-22 Same - Reserve requirements.
- §33-8-23 Same - General five percent diversification, medium and lower grade investments and Canadian investments.
- §33-8-24 Same - Rated credit instruments.
- §33-8-25 Same - Insurer investment pools.
- §33-8-26 Same - Equity interests.
- §33-8-27 Same - Tangible personal property under lease.
- §33-8-28 Same - Mortgage loans and real estate.
- §33-8-29 Same - Securities lending, repurchase, reverse repurchase and dollar roll transactions.
- §33-8-30 Same - Foreign investments and foreign currency exposure.
- §33-8-31 Same - Derivative transactions.
- §33-8-32 Same - Additional investment authority.
ARTICLE 8A. USE OF CLEARING CORPORATIONS AND FEDERAL RESERVE BOOK-ENTRY SYSTEM.
- §33-8A-1 Purpose.
- §33-8A-2 Definitions.
- §33-8A-3 Use of book-entry systems and clearing corporations.
- §33-8A-4 Deposit of securities by domestic insurance companies.
- §33-8A-5 Deposit of securities by foreign insurance companies.
- §33-8A-6 Custody agreements; requirements.
- §33-8A-7 Deposit with affiliates; requirements.
- §33-8A-8 Repealed
ARTICLE 9. ADMINISTRATION OF DEPOSITS.
- §33-9-1 Deposits of insurers.
- §33-9-2 Purpose of deposits.
- §33-9-3 Assets eligible for deposit.
- §33-9-4 Trust companies as depositories; state responsible for safekeeping and return of deposits.
- §33-9-5 Rights of solvent insurer.
- §33-9-6 Excess deposits.
- §33-9-7 Release of deposits -- Generally.
- §33-9-8 Release of deposits -- Order of commissioner required.
- §33-9-9 Deposit not subject to levy; exception.
ARTICLE 10. REHABILITATION AND LIQUIDATION.
- §33-10-1 Definitions.
- §33-10-2 Jurisdiction, venue and appeal of delinquency proceedings; exclusive remedy.
- §33-10-3 Court's seizure order.
- §33-10-4 Injunctions and other orders.
- §33-10-4a Commencement of formal delinquency proceeding.
- §33-10-4b Return of summons and summary hearing.
- §33-10-4c Proceedings for expedited trial, continuances, discovery, evidence.
- §33-10-4d Decision and appeals.
- §33-10-4e Confidentiality.
- §33-10-5 Grounds for rehabilitation of domestic insurers.
- §33-10-6 Grounds for liquidation.
- §33-10-7 Grounds for conserving assets of foreign insurers.
- §33-10-8 Grounds for conserving assets of alien insurers.
- §33-10-9 Grounds for ancillary liquidation of foreign insurers.
- §33-10-10 Order of rehabilitation.
- §33-10-11 Order of liquidation of domestic insurer.
- §33-10-12 Order of liquidation of alien insurers.
- §33-10-13 Order of conservation or ancillary liquidation of foreign or alien insurers.
- §33-10-14 Conduct of delinquency proceedings against domestic or alien insurers.
- §33-10-15 Conduct of delinquency proceedings against foreign insurers.
- §33-10-16 Claims of nonresidents against domestic insurers.
- §33-10-17 Claims against foreign insurers.
- §33-10-18 Proof of claims.
- §33-10-19 Priority of certain claims.
- §33-10-19a Priority of distribution.
- §33-10-20 Attachment, garnishment or execution.
- §33-10-21 Uniform Insurers Liquidation Act.
- §33-10-22 Deposit of moneys collected.
- §33-10-23 Exemption of commissioner from fees.
- §33-10-24 Borrowing on pledge of assets.
- §33-10-25 Date rights fixed on liquidation.
- §33-10-26 Voidable preferences and liens.
- §33-10-26a Fraudulent transfers prior to petition.
- §33-10-26b Recoupment from affiliates.
- §33-10-26c Fraudulent transfer after petition.
- §33-10-26d Claims of holders of void or voidable rights.
- §33-10-27 Repealed
- §33-10-28 Setoffs.
- §33-10-29 Allowance of certain claims.
- §33-10-30 Time within which claims to be filed.
- §33-10-31 Report for assessment against members or subscribers of mutual or reciprocal insurers.
- §33-10-32 Levy of assessment.
- §33-10-33 Order to pay assessment.
- §33-10-34 Publication and service of assessment order.
- §33-10-35 Judgment upon the assessment.
- §33-10-36 Early access to distribution.
- §33-10-37 Distribution of assets.
- §33-10-38 Unclaimed and withheld funds; termination of proceedings.
- §33-10-39 Immunity in receivership proceedings and representation of the special deputy supervisor.
- §33-10-40 Applicability of amendments.
- §33-10-41 Reinsurer's liability.
ARTICLE 11. UNFAIR TRADE PRACTICES.
- §33-11-1 Declaration of purpose.
- §33-11-2 Definitions.
- §33-11-3 Unfair methods of competition and unfair or deceptive acts or practices prohibited.
- §33-11-4 Unfair methods of competition and unfair or deceptive acts or practices defined.
- §33-11-4a Complaints by third-party claimants; elimination of private cause of action.
- §33-11-4b Unfair Claims Settlement Practice Trust Fund.
- §33-11-5 Favored agent or insurer; coercion of debtors.
- §33-11-5a Replacement of life insurance.
- §33-11-6 Violations, cease and desist and penalty orders and modifications thereof.
- §33-11-7 Undefined acts or practices.
- §33-11-8 Penalty for violation of cease and desist orders.
- §33-11-9 Provisions of article additional to existing law.
- §33-11-10 Severability.
ARTICLE 11A. INSURANCE SALES CONSUMER PROTECTION ACT
- §33-11A-1 Short title
- §33-11A-5 Licensure requirement for insurance sales
- §33-11A-6 Insurance sales separate from loan transaction
- §33-11A-7 Referrals by unlicensed persons allowed
- §33-11A-8 Tying of products prohibited
- §33-11A-10 Repealed
- §33-11A-11 Repealed
- §33-11A-12 Prohibition of discrimination against agents or brokers.
- §33-11A-13 Repealed
- §33-11A-14 Repealed
- §33-11A-15 Repealed
- §33-11A-16 Severability.
ARTICLE 12. INSURANCE PRODUCERS AND SOLICITORS
- §33-12-1 Purpose and scope
- §33-12-2 Definitions
- §33-12-3 License required.
- §33-12-4 Exceptions to licensing
- §33-12-5 Application for examination
- §33-12-6 Application for license.
- §33-12-6a Residency-Individuals-Agencies.
- §33-12-6b Licensing of agencies.
- §33-12-7 Board of insurance agent education.
- §33-12-8 Continuing education required.
- §33-12-8a Producer training for long-term care products; record retention requirements.
- §33-12-9 Issuance of license.
- §33-12-10 Fees.
- §33-12-11 Countersignature.
- §33-12-12 Nonresident licensing.
- §33-12-13 Agent resident in contiguous municipalities.
- §33-12-14 Exemption from examination.
- §33-12-15 Assumed names.
- §33-12-16 Temporary licensing.
- §33-12-17 Expiration of license; renewal.
- §33-12-18 Individual insurance producer to deal only with licensed insurer or solicitor; appointment as individual insurance producer required.
- §33-12-19 Solicitor to act only through appointed agent.
- §33-12-20 Personal liability of agent.
- §33-12-21 Coverage must be placed with a solvent insurer.
- §33-12-22 Person soliciting insurance is agent of insurer.
- §33-12-23 Payment of commissions.
- §33-12-24 Revocation, suspension or refusal to renew license; penalty.
- §33-12-25 Termination of authority to represent insurer.
- §33-12-26 Repealed
- §33-12-27 Payment of commissions under assigned risk plan.
- §33-12-28 Service representative permit.
- §33-12-29 Notice of hearing before the commissioner; failure to appear; entry of orders; appeal.
- §33-12-30 Termination of contractual relationship prohibited.
- §33-12-31 Termination of contractual relationship; continuation of certain commissions; exceptions.
- §33-12-32 Limited licenses for rental companies.
- §33-12-33 Reciprocity.
- §33-12-34 Reporting of actions.
- §33-12-35 Regulations.
- §33-12-36 Severability.
- §33-12-37 Authorization for criminal history record check; fees; rules.
ARTICLE 12A. CONTRACTUAL RELATIONSHIPS BETWEEN INSURANCE COMPANIES AND AGENTS.
- §33-12A-1 Declaration of purpose.
- §33-12A-2 Definitions.
- §33-12A-3 Termination of contractual relationship; notice; good cause.
- §33-12A-4 Notice of cancellation void in certain cases.
- §33-12A-5 Violation of provisions of this article; statute of limitations.
- §33-12B-1 "Adjuster" defined.
- §33-12B-2 "Company" and "public" adjuster defined.
- §33-12B-3 Company, public adjusters; concurrency; direct conflict prohibited.
- §33-12B-4 License required; exception for emergency adjusters.
- §33-12B-5 Qualifications for adjuster's license; examinations; exemptions.
- §33-12B-6 Application.
- §33-12B-7 Issuance of license.
- §33-12B-8 License fee; exemptions.
- §33-12B-9 Licensing of nonresident adjusters.
- §33-12B-10 Expiration of license; renewal.
- §33-12B-11 Revocation, suspension or refusal to renew license; penalty in lieu thereof.
- §33-12B-11a Emergency adjusters and insurance emergencies; definitions; authorization of temporary emergency adjusters; applications; limitations and authority.
- §33-12B-12 Rules and regulations.
- §33-12B-13 Effective date.
- §33-12B-14 Current address of adjusters to be filed; effective notice of appearance at hearing before commissioner.
- §33-12C-1 Short title.
- §33-12C-2 Purpose - necessity for regulation.
- §33-12C-3 Definitions.
- §33-12C-4 Placement of insurance business.
- §33-12C-5 Surplus lines insurance.
- §33-12C-6 Withdrawal of eligibility as a surplus lines insurer.
- §33-12C-7 Surplus lines tax.
- §33-12C-8 Surplus lines licenses.
- §33-12C-9 Suspension, revocation or nonrenewal of surplus lines licensee's license.
- §33-12C-10 Actions against eligible surplus lines insurers transacting surplus lines business.
- §33-12C-11 Duty to file evidence of insurance and affidavits.
- §33-12C-12 Evidence of the insurance and subsequent changes to the insurance.
- §33-12C-13 Repealed
- §33-12C-14 Repealed
- §33-12C-15 Surplus lines licensees may accept business from other producers.
- §33-12C-16 Records of surplus lines licensee
- §33-12C-17 Reports - summary of exported business.
- §33-12C-18 Penalties.
- §33-12C-19 Violations.
- §33-12C-20 Service of process.
- §33-12C-21 Legal or administrative procedures.
- §33-12C-22 Enforcement.
- §33-12C-23 Suits by nonadmitted insurers.
- §33-12C-24 Countersignature requirements.
- §33-12C-25 Fees.
- §33-12C-26 Coverage must be placed in solvent insurer.
- §33-12C-27 Change of address.
- §33-12C-28 Separability provisions.
- §33-12C-29 Hearings.
- §33-13-1 Scope of article.
- §33-13-2 Standard provisions required.
- §33-13-3 Grace period.
- §33-13-4 Incontestability.
- §33-13-5 Entire contract.
- §33-13-6 Misstatement of age.
- §33-13-7 Dividends.
- §33-13-8 Loans on policies.
- §33-13-8a Maximum rate of interest on policy loans.
- §33-13-9 Nonforfeiture benefits.
- §33-13-10 Table of loan values and options.
- §33-13-11 Table of installments.
- §33-13-12 Reinstatements.
- §33-13-13 Payment of premiums.
- §33-13-14 Payment of claims.
- §33-13-14a Payment of interest on death claims.
- §33-13-15 Title on policy.
- §33-13-16 Excluded or restricted coverage.
- §33-13-17 Annuity contracts -- Standard provisions.
- §33-13-18 Same -- Grace period.
- §33-13-19 Same -- Incontestability.
- §33-13-20 Same -- Entire contract.
- §33-13-21 Same -- Misstatement of age or sex.
- §33-13-22 Same -- Dividends.
- §33-13-23 Same -- Reinstatement.
- §33-13-24 Standard provisions of reversionary annuities.
- §33-13-25 Limitation of liability.
- §33-13-26 Contestability after reinstatement.
- §33-13-27 Power of insurer to hold proceeds of policy under agreement.
- §33-13-28 Indebtedness deducted from proceeds.
- §33-13-29 Dual or multiple pay policies prohibited.
- §33-13-30 Standard nonforfeiture law for life insurance.
- §33-13-30a Standard nonforfeiture law for individual deferred annuities.
- §33-13-31 Industrial life insurance -- Required provisions.
- §33-13-32 Same -- Grace period.
- §33-13-33 Same -- Entire contract; statements in application; deemed representations.
- §33-13-34 Same -- Incontestability.
- §33-13-35 Same -- Misstatement of age.
- §33-13-36 Same -- Dividends.
- §33-13-37 Same -- Nonforfeiture benefits; cash surrender values.
- §33-13-38 Same -- Reinstatement.
- §33-13-39 Same -- Settlement.
- §33-13-40 Same -- Beneficiary and facility of payment clause.
- §33-13-41 Same -- Direct payment of premiums.
- §33-13-42 Same -- Conversion of weekly policies.
- §33-13-43 Same -- Conversion of monthly policies.
- §33-13-44 Same -- Title on policy.
- §33-13-45 Same -- Provisions not required in single premium, term, etc., policies.
- §33-13-46 Same -- Prohibited provisions.
- §33-13-47 Burial insurance.
- §33-13-48 Replacement of existing rule with model rule.
ARTICLE 13A. VARIABLE CONTRACTS.
- §33-13A-1 Establishment of separate accounts.
- §33-13A-2 Features and benefits.
- §33-13A-3 Qualification of companies, subsidiaries and affiliates.
- §33-13A-4 Supervisory powers of insurance commissioner.
- §33-13A-5 Application of other insurance laws, valuation of reserves.
ARTICLE 13B. CHARITABLE GIFT ANNUITIES.
- §33-13B-1 Definitions.
- §33-13B-2 Charitable gift annuity is not insurance.
- §33-13B-3 Notice to donor.
- §33-13B-4 Notice to Insurance Commission.
- §33-13B-5 Failure to provide required notice; penalties.
- §33-13B-6 Unfair or deceptive trade practices act not applicable.
ARTICLE 13C. VIATICAL SETTLEMENTS ACT.
- §33-13C-1 Short title.
- §33-13C-2 Definitions.
- §33-13C-3 License and bond requirements.
- §33-13C-4 License revocation and denial.
- §33-13C-5 Approval of viatical settlement contracts and disclosure statements.
- §33-13C-6 Reporting requirements and privacy.
- §33-13C-7 Examination or investigation.
- §33-13C-8 Disclosure to viator.
- §33-13C-9 Disclosure to insurer.
- §33-13C-10 General rules.
- §33-13C-11 Prohibited practices.
- §33-13C-12 Prohibited practices and conflicts of interest.
- §33-13C-13 Advertising for viatical settlements.
- §33-13C-14 Fraud prevention and control.
- §33-13C-15 Injunctions; civil remedies; cease and desist.
- §33-13C-16 Criminal penalties.
- §33-13C-17 Authority to promulgate rules.
- §33-13C-18 No preemption of securities laws.
ARTICLE 14. GROUP LIFE INSURANCE.
- §33-14-1 Requirements.
- §33-14-2 Employee groups.
- §33-14-3 Debtor groups.
- §33-14-4 Labor union groups.
- §33-14-5 Trustee groups.
- §33-14-5a Credit union groups.
- §33-14-6 Limits of Group Life Insurance
- §33-14-7 Dependent coverage.
- §33-14-8 Group life standard provisions.
- §33-14-9 Grace period.
- §33-14-10 Incontestability.
- §33-14-11 Attachment of application to policy; statements deemed representations; use of statement in contest.
- §33-14-12 Insurability.
- §33-14-13 Misstatement of age.
- §33-14-14 Beneficiary.
- §33-14-15 Certificates.
- §33-14-16 Conversion on termination of employment or of membership in eligible class.
- §33-14-17 Conversion on termination of policy.
- §33-14-18 Death pending conversion.
- §33-14-19 Certificate or statement of coverage to debtor.
- §33-14-20 Notice of conversion rights.
- §33-14-21 Application of dividends and rate reductions to cost of insurance.
- §33-14-22 Group annuity contracts -- Standard provisions.
- §33-14-23 Same -- Grace period.
- §33-14-24 Same -- Entire contract.
- §33-14-25 Same -- Misstatements.
- §33-14-26 Same -- Termination benefits.
- §33-14-27 Same -- Group annuity certificates.
- §33-14-28 Assignment of incidents of ownership in group life insurance policies including conversion privileges.
- §33-14-29 Group annuity plans for employees of county boards of education, the teachers retirement board, the West Virginia board of education, the board of regents and their agencies.
- §33-14-30 Payment of claims.
- §33-14-30a Payment of interest on death claims.
ARTICLE 15. ACCIDENT AND SICKNESS INSURANCE.
- §33-15-1 Scope of article.
- §33-15-1a Premium rate increase requests; loss ratio requirement.
- §33-15-1b Rates, individual major medical policies.
- §33-15-2 Scope and format of policy.
- §33-15-2a Definitions.
- §33-15-2b Guaranteed issue; limitation of coverage; election; denial of coverage; network plans.
- §33-15-2c Feasibility study for alternatives to guaranteed issue.
- §33-15-2d Exceptions to guaranteed renewability.
- §33-15-2e Discontinuation of particular type of coverage; uniform termination of all coverage; uniform modification of coverage.
- §33-15-2f Certification of creditable coverage.
- §33-15-2g Applicability.
- §33-15-3 Age limit.
- §33-15-4 Required policy provisions.
- §33-15-4a Required policy provisions -- Mental illness.
- §33-15-4b Policies to cover nursing services; definition.
- §33-15-4c Third party reimbursement for mammography, pap smear or human papilloma virus testing.
- §33-15-4d Third party reimbursement for rehabilitation services.
- §33-15-4e Benefits for mothers and newborns.
- §33-15-4f Third party reimbursement for colorectal cancer examination and laboratory testing.
- §33-15-4g Required coverage for reconstruction surgery following mastectomies.
- §33-15-4h Coverage for patient cost of clinical trials
- §33-15-4i Third-party reimbursement for kidney disease screening.
- §33-15-4j Required coverage for dental anesthesia services.
- §33-15-5 Optional policy provisions.
- §33-15-6 Inapplicable or inconsistent provisions.
- §33-15-7 Order of certain provisions.
- §33-15-8 Third party ownership of policy covering insured.
- §33-15-9 Requirements of other jurisdictions.
- §33-15-10 Franchise insurance.
- §33-15-11 Hospital indemnity policies not to exclude coverage for confinement in government hospital.
- §33-15-12 Continuum of care services.
- §33-15-13 Policies not to terminate coverage because of diagnosis or treatment of acquired immune deficiency syndrome.
- §33-15-14 Policies discriminating among health care providers.
- §33-15-15 Repealed
- §33-15-16 Policies not to exclude insured's children from coverage; required services; coordination with other insurance.
- §33-15-17 Child immunization services coverage.
- §33-15-18 Equal treatment of state agency.
- §33-15-19 Coordination of benefits with medicaid.
- §33-15-20 Individual medical savings accounts; definitions; ownership; trustees; regulations.
- §33-15-21 Coverage of emergency services.
ARTICLE 15A. WEST VIRGINIA LONG-TERM CARE INSURANCE ACT.
- §33-15A-1 Short title.
- §33-15A-2 Declaration of policy and purpose.
- §33-15A-3 Applicability.
- §33-15A-4 Definitions.
- §33-15A-5 Extraterritorial jurisdiction - Group long-term care insurance.
- §33-15A-6 Disclosure and performance standards for long-term care insurance.
- §33-15A-7 Severability.
- §33-15A-8 Incontestability period.
- §33-15A-9 Nonforfeiture benefits.
- §33-15A-10 Authority to promulgate rules.
- §33-15A-11 Penalties.
ARTICLE 15B. UNIFORM HEALTH CARE ADMINISTRATION ACT.
- §33-15B-1 Legislative findings; purpose.
- §33-15B-2 Scope of article.
- §33-15B-3 Health care authority to promulgate rules; use of standardized forms and classifications; advisory group.
- §33-15B-4 Compliance period; reservation of right to additional information.
- §33-15B-5 Penalties for violation.
- §33-15B-6 Citation of article.
ARTICLE 15C. DIABETES INSURANCE.
ARTICLE 15D. INDIVIDUAL LIMITED HEALTH BENEFITS PLANS.
ARTICLE 15E. DISCOUNT MEDICAL PLAN ORGANIZATIONS AND DISCOUNT PRESCRIPTION DRUG PLAN ORGANIZATIONS ACT.
- §33-15E-1 Short title.
- §33-15E-2 Purpose.
- §33-15E-3 Definitions.
- §33-15E-4 Licensing requirements.
- §33-15E-5 Minimum capital requirements.
- §33-15E-6 Surety bond requirements.
- §33-15E-7 Examinations.
- §33-15E-8 Charges and fees; refund requirements; bundling of services.
- §33-15E-9 Record filing and retention requirements.
- §33-15E-10 Provider agreements; provider listing requirements.
- §33-15E-11 Marketing requirements.
- §33-15E-12 Annual reports.
- §33-15E-13 Discount prescription drug plan organizations.
- §33-15E-14 Administrative enforcement actions; injunctions.
- §33-15E-15 Criminal penalties.
- §33-15E-16 Insurance fraud unit.
- §33-15E-17 Rules.
ARTICLE 16. GROUP ACCIDENT AND SICKNESS INSURANCE.
- §33-16-1 Scope of article.
- §33-16-1a Definitions.
- §33-16-1b Applicability.
- §33-16-2 Eligible groups.
- §33-16-3 Required policy provisions.
- §33-16-3a Same -- Mental health.
- §33-16-3b Home health care coverage.
- §33-16-3c Repealed
- §33-16-3d Medicare supplement insurance.
- §33-16-3e Policies to cover nursing services.
- §33-16-3f Required policy provisions -- Treatment of temporomandibular joint disorder and craniomandibular disorder.
- §33-16-3g Third party reimbursement for mammography, pap smear or human papilloma virus testing.
- §33-16-3h Third party reimbursement for rehabilitation services.
- §33-16-3i Coverage of emergency services.
- §33-16-3j Hospital benefits for mothers and newborns.
- §33-16-3k Limitations on preexisting condition exclusions for health benefit plans.
- §33-16-3m Creditable coverage.
- §33-16-3n Eligibility for enrollment.
- §33-16-3o Third party reimbursement for colorectal cancer examination and laboratory testing.
- §33-16-3p Required coverage for reconstruction surgery following mastectomies.
- §33-16-3q Required use of mail-order pharmacy prohibited.
- §33-16-3r Coverage for patient cost of clinical trials.
- §33-16-3s Third-party reimbursement for kidney disease screening.
- §33-16-3t Required coverage for dental anesthesia services.
- §33-16-3u Special enrollment period under the American Recovery and Reinvestment Act of 2009.
- §33-16-4 Size of type.
- §33-16-5 Contingencies for which benefits or reimbursement of expenses permitted.
- §33-16-6 Rider changing individual policy to group policy prohibited.
- §33-16-7 Hospital indemnity policies not to exclude coverage for confinement in government hospital.
- §33-16-8 Continuum of care services.
- §33-16-9 Policies not to terminate coverage because of diagnosis or treatment of acquired immune deficiency syndrome.
- §33-16-10 Policies discriminating among health care providers.
- §33-16-11 Group policies not to exclude insured's children from coverage; required services; coordination with other insurance.
- §33-16-12 Child immunization services coverage.
- §33-16-13 Equal treatment of state agency.
- §33-16-14 Coordination of benefits with medicaid.
- §33-16-15 Individual medical savings accounts; definitions; ownership; contributions; trustees; regulations.
- §33-16-16 Insurance for diabetics.
- §33-16-17 Commissioner to propose rules.
ARTICLE 16A. GROUP HEALTH INSURANCE CONVERSION.
- §33-16A-1 Right of insured to convert from group coverage.
- §33-16A-2 Issuance of converted policy.
- §33-16A-3 Effective date of policy.
- §33-16A-4 Coverage of dependents.
- §33-16A-5 Persons for whom coverage not required.
- §33-16A-6 Inquiries by insurer.
- §33-16A-7 Limits of coverage.
- §33-16A-8 Preexisting conditions; reduction of benefits.
- §33-16A-9 Alternate plans of conversion coverage.
- §33-16A-10 Additional coverage.
- §33-16A-10a Continuum of care services.
- §33-16A-11 Combined policy coverage.
- §33-16A-12 Coverage following retirement.
- §33-16A-13 Other conversion privileges.
- §33-16A-14 Benefit levels; election to provide group coverage; notification of conversion privilege; policy delivered outside state.
- §33-16A-15 Child immunization services coverage.
ARTICLE 16B. ACCIDENT AND SICKNESS RATES.
- §33-16B-1 Filing and approval of accident and sickness rates.
- §33-16B-2 Ratemaking standards.
- §33-16B-3 Exceptions.
- §33-16B-4 Authority of commissioner to promulgate rules and regulations regarding affiliate and subsidiary operating results.
ARTICLE 16C. EMPLOYER GROUP ACCIDENT AND SICKNESS INSURANCE POLICIES.
ARTICLE 16D. MARKETING AND RATE PRACTICES FOR SMALL EMPLOYER ACCIDENT AND SICKNESS INSURANCE POLICIES.
- §33-16D-1 Purpose of article.
- §33-16D-2 Definitions.
- §33-16D-3 Health insurance plans subject to this article.
- §33-16D-4 Discrimination prohibited; guaranteed issue; filing with commissioner; violations and penalties.
- §33-16D-5 Premium rates for small employers; classes; maximum rates; eligibility for rate increases.
- §33-16D-6 Insurance commissioner to promulgate rules.
- §33-16D-7 Renewability of coverage; exceptions.
- §33-16D-8 Disclosure of rating practices, renewability provisions and availability of health benefit plans.
- §33-16D-9 Maintenance of records.
- §33-16D-10 Suspension of requirements.
- §33-16D-11 Effective date.
- §33-16D-12 Equality of terms; preexisting conditions; continuous coverage restrictions, eligibility for enrollment.
- §33-16D-13 Obligations of employer; discrimination as to benefits paid.
- §33-16D-14 Child immunization services coverage.
- §33-16D-15 Continuation of coverage under small plans.
- §33-16D-16 Authorization of uninsured small group health benefit plans.
ARTICLE 16E. CONTRACEPTIVE COVERAGE.
- §33-16E-1 Findings; short title.
- §33-16E-2 Definitions.
- §33-16E-3 Applicability.
- §33-16E-4 Parity for contraceptive drugs, devices and outpatient services.
- §33-16E-5 Extraordinary surcharges prohibited.
- §33-16E-6 Additional prohibitions.
- §33-16E-7 Religious employer exemption.
ARTICLE 16F. GROUP LIMITED HEALTH BENEFITS PLANS.
- §33-16F-1 Legislative intent.
- §33-16F-2 Definitions.
- §33-16F-3 Plan proposals; approval of plans.
- §33-16F-4 Required plan provisions; grounds for disapproval; alternative plans
- §33-16F-5 Eligibility of individuals and groups.
- §33-16F-6 Regulation and marketing of plans.
- §33-16F-7 Applicability of certain provisions; commissioner's authority to forbear from applying certain provisions.
- §33-16F-8 Assessment of the West Virginia program.
- §33-16F-9 Nonentitlement.
- §33-16F-10 Emergency and legislative rules authorized.
ARTICLE 17. FIRE AND MARINE INSURANCE.
- §33-17-1 Scope of article.
- §33-17-2 Standard fire policy.
- §33-17-3 Arrangement of policy.
- §33-17-4 Information as to insurer.
- §33-17-5 Insertion of provisions required by law or charter.
- §33-17-6 Additional contracts, riders or endorsements.
- §33-17-6a Notice of noncoverage of flood damages and the availability of flood insurance.
- §33-17-7 Designation as standard policy; agent's name.
- §33-17-8 Filing of forms.
- §33-17-9 Total or partial fire loss.
- §33-17-9a Notice of insurance proceeds.
- §33-17-9b Disbursement of insurance proceeds.
- §33-17-10 Repealed
- §33-17-11 Exclusion of nuclear perils.
- §33-17-12 Payment discharges insurer.
ARTICLE 17A. PROPERTY INSURANCE DECLINATION, TERMINATION AND DISCLOSURE.
- §33-17A-1 Purpose of article.
- §33-17A-2 Scope of article.
- §33-17A-3 Definitions.
- §33-17A-4 Notification and reasons for a transfer, declination or termination.
- §33-17A-4a Alternative method for nonrenewal for property insurance.
- §33-17A-4b Manner of making election relating to nonrenewals.
- §33-17A-4c Report to the Legislature.
- §33-17A-5 Permissible cancellations.
- §33-17A-6 Discriminatory terminations and declinations prohibited.
- §33-17A-7 Hearings and administrative procedure.
- §33-17A-8 Sanctions.
- §33-17A-9 Civil liability and actions.
- §33-17A-10 Immunity.
- §33-17A-11 Severability.
ARTICLE 18. CASUALTY INSURANCE.
ARTICLE 20. RATES AND RATING ORGANIZATIONS.
- §33-20-1 Purpose and interpretation of article.
- §33-20-2 Scope of article.
- §33-20-3 Ratemaking.
- §33-20-4 Rate filings.
- §33-20-4a Biannual rate filings for certain insurance lines.
- §33-20-5 Disapproval of filings.
- §33-20-6 Rating organizations.
- §33-20-7 Deviations from filings.
- §33-20-8 Appeals by members of or subscribers to rating organization.
- §33-20-9 Information to be furnished insureds; hearings and appeals of insureds.
- §33-20-10 Advisory organizations.
- §33-20-11 Joint underwriting or joint reinsurance.
- §33-20-12 Examinations.
- §33-20-13 Rate administration.
- §33-20-14 False or misleading information.
- §33-20-15 Assigned risks.
- §33-20-16 Penalties.
- §33-20-17 Determination of rates on dwellings.
- §33-20-18 Reduction of premium charges for persons fifty-five years of age or older.
- §33-20-19 Publication of automobile insurance rates.
- §33-20-20 Authority of commissioner to promulgate rules and regulations regarding affiliate and subsidiary operating results.
ARTICLE 20A. WEST VIRGINIA ESSENTIAL INSURANCE COVERAGE ACT.
- §33-20A-1 Short title.
- §33-20A-2 Intent and purpose.
- §33-20A-3 West Virginia essential insurance association.
- §33-20A-4 Board of directors.
- §33-20A-5 General powers.
- §33-20A-6 Powers of commissioner and association.
- §33-20A-7 Immunity from liability.
ARTICLE 20B. RATES AND MALPRACTICE INSURANCE POLICIES.
- §33-20B-1 Scope of article.
- §33-20B-2 Rate making.
- §33-20B-3 Rate filings.
- §33-20B-3a Rate prohibitions.
- §33-20B-4 Disapproval of filings.
- §33-20B-5 Rating organizations.
- §33-20B-6 Rate review and reporting.
- §33-20B-7 Studies by the commissioner.
- §33-20B-8 Insurers required to report results of civil actions against physicians or podiatrists; penalties for failure to report; notice and hearing.
- §33-20B-9 Authority of commissioner to promulgate rules and regulations regarding affiliate and subsidiary operating results.
ARTICLE 20C. CANCELLATION OR NONRENEWAL OF MALPRACTICE INSURANCE POLICIES.
- §33-20C-1 Scope of article.
- §33-20C-2 Cancellation prohibited except for specified reasons; notice.
- §33-20C-3 Insurer to specify reasons for cancellation.
- §33-20C-4 Notice period for cancellation; ninety-day notice required for nonrenewal.
- §33-20C-5 Hearings and review.
- §33-20D-1 Scope of article.
- §33-20D-2 Definitions.
- §33-20D-3 Tail insurance to be offered upon cancellation; availability of amortization; minimum premium rates; penalties for noncompliance.
- §33-20D-4 Insurance commissioner to promulgate rules; establish amortization rates.
ARTICLE 20E. WEST VIRGINIA MEDICAL PROFESSIONAL LIABILITY INSURANCE JOINT UNDERWRITING ASSOCIATION ACT.
- §33-20E-1 Short title.
- §33-20E-2 Legislative findings.
- §33-20E-3 Intent and purpose.
- §33-20E-4 Definitions.
- §33-20E-5 Joint underwriting association.
- §33-20E-6 Board of directors.
- §33-20E-7 Association's powers and duties.
- §33-20E-8 State board of risk and insurance management to exercise board of directors' powers temporarily; interim plan of operation
- §33-20E-9 Final plan of operation.
- §33-20E-10 Duties and powers of commissioner
- §33-20E-11 Eligibility for coverage.
- §33-20E-12 Issuance of policy.
- §33-20E-13 Rates; initial filing; basis for rates and premiums.
- §33-20E-14 The Medical Professional Liability Insurance Fund; capitalization; transfer of assets and liabilities to board of directors.
- §33-20E-15 Deposit of funds; investments; premium tax liability; state not responsible for liabilities or expenses of association.
- §33-20E-16 Deficit; recoupment; assessments; reimbursement of members.
- §33-20E-17 Commissioner to report to board termination of authority to transact insurance.
- §33-20E-18 Examination of association
- §33-20E-19 Annual statements.
- §33-20E-20 Immunity.
- §33-20E-21 Operative date.
ARTICLE 20F. PHYSICIANS' MUTUAL INSURANCE COMPANY.
- §33-20F-1 Short title.
- §33-20F-1a Scope of article.
- §33-20F-2 Findings and purpose.
- §33-20F-3 Definitions.
- §33-20F-4 Authorization for creation of company; requirements and limitations; repayment of loan.
- §33-20F-5 Governance and organization.
- §33-20F-6 Management and administration of the company.
- §33-20F-7 Initial capital and surplus; special assessment; failure to pay assessment; disposition of civil penalty collected.
- §33-20F-8 Application for license; authority of commissioner.
- §33-20F-9 Kinds of coverage authorized; transfer of policies from the State Board of Risk and Insurance Management; risk management practices authorized.
- §33-20F-10 Controlling law.
- §33-20F-11 Liberal construction.
- §33-20F-12 Severability.
ARTICLE 21. RECIPROCAL INSURERS.
- §33-21-1 Scope of article.
- §33-21-2 General laws applicable.
- §33-21-3 Kinds of insurance.
- §33-21-4 Name.
- §33-21-5 Attorney.
- §33-21-6 Application for license.
- §33-21-7 Issuance of license; suspension, revocation or renewal.
- §33-21-8 Power of attorney.
- §33-21-9 Modification of subscribers' agreement or power of attorney.
- §33-21-10 Attorney's bond.
- §33-21-11 Annual report.
- §33-21-12 Process and venue; annual fee.
- §33-21-13 Fees and taxes.
- §33-21-14 Who may be subscribers.
- §33-21-15 Subscribers' advisory committee.
- §33-21-16 Subscribers' liability -- Generally.
- §33-21-17 Same -- On judgments.
- §33-21-18 Assessments -- Generally.
- §33-21-19 Same -- Time limit.
- §33-21-20 Same -- Maximum liability.
- §33-21-21 Nonassessable policies.
- §33-21-22 Distribution of unused premiums, savings or credits.
- §33-21-23 Advancement and repayment of funds.
- §33-21-24 Rules for determining financial condition of reciprocal insurer.
- §33-21-25 Distribution of assets to subscribers upon liquidation.
- §33-21-26 Merger or conversion.
ARTICLE 22. FARMERS' MUTUAL FIRE INSURANCE COMPANIES.
- §33-22-1 Scope of article.
- §33-22-2 Applicability of other provisions.
- §33-22-2a Repealed
- §33-22-3 Incorporation.
- §33-22-4 License.
- §33-22-5 Corporate organization and procedure.
- §33-22-6 Members.
- §33-22-7 Filing and approval of policy; setting out terms and conditions; limiting liability; standard forms or provisions.
- §33-22-8 Kinds of coverage authorized.
- §33-22-9 Premiums, membership fees, assessments and dividends.
- §33-22-10 Contingent liability of member.
- §33-22-11 Surplus or emergency fund.
- §33-22-12 Limit of risk.
- §33-22-13 Reinsurance; joint policies.
- §33-22-14 Notices to members.
- §33-22-15 Termination, cancellation or suspension of membership.
- §33-22-16 Fees.
- §33-22-17 Member's share of assets upon liquidation.
- §33-22-18 Mergers and consolidations.
- §33-22-19 Conversion to stock or mutual insurer.
ARTICLE 23. FRATERNAL BENEFIT SOCIETIES.
- §33-23-1 Scope of article.
- §33-23-2 Applicability of other provisions.
- §33-23-2a Applicability of insurance fraud prevention act.
- §33-23-3 Fraternal benefit societies defined.
- §33-23-4 Lodge system defined.
- §33-23-5 Representative form of government defined.
- §33-23-6 Organization.
- §33-23-7 Retention of corporate powers by existing incorporated societies.
- §33-23-8 Incorporation of existing voluntary associations.
- §33-23-9 Office and meetings of domestic society.
- §33-23-10 Consolidations and mergers.
- §33-23-11 Conversion of society to mutual life insurer.
- §33-23-12 Qualifications for benefit membership.
- §33-23-13 Amendment of articles of incorporation, constitution or laws.
- §33-23-14 Operation of charitable, benevolent or educational institutions.
- §33-23-15 Payment of benefits other than insurance benefits.
- §33-23-16 No personal liability for payment of benefits.
- §33-23-17 Kinds of benefits authorized.
- §33-23-18 Benefits on lives of children.
- §33-23-19 Nonforfeiture benefits, cash surrender values, loans and options.
- §33-23-20 Beneficiaries.
- §33-23-21 Benefits not liable to process.
- §33-23-22 Certificates and agreement with members.
- §33-23-23 Approval of certificates; standard and prohibited provisions.
- §33-23-24 Filing and approval of accident and sickness insurance certificates.
- §33-23-25 Waiver of laws and constitution of society.
- §33-23-26 Reinsurance.
- §33-23-27 Licensing of foreign and alien societies.
- §33-23-28 Term of license; renewal, refusal, revocation or suspension; penalty in lieu thereof; reissuance.
- §33-23-29 Fees; exemption of funds and assets from taxation.
- §33-23-30 Use of funds.
- §33-23-31 Investments.
- §33-23-32 Reports and synopses of annual statements; valuations.
- §33-23-33 Agents.
- §33-23-34 Exemption of certain societies.
- §33-23-35 Continuum of care services.
ARTICLE 24. HOSPITAL SERVICE CORPORATIONS, MEDICAL SERVICE CORPORATIONS, DENTAL SERVICE CORPORATIONS AND HEALTH SERVICE CORPORATIONS.
- §33-24-1 Declaration of policy.
- §33-24-2 Definitions.
- §33-24-3 Corporations affected by article; eligibility of hospitals, physicians, dentists, chiropodists-podiatrists and chiropractors.
- §33-24-4 Exemptions; applicability of insurance laws.
- §33-24-4a Coverage for patient cost of clinical trials.
- §33-24-4b Applicability of insurance fraud prevention act.
- §33-24-5 Licenses; name of corporation.
- §33-24-6 Commissioner to enforce article; approval of contracts, forms, rates and fees.
- §33-24-7 Required provisions in contracts made by corporations with hospitals, physicians, dentists and other health agencies.
- §33-24-7a Contracts to cover nursing service.
- §33-24-7b Third party reimbursement for mammography, pap smear or human papilloma virus testing.
- §33-24-7c Third party reimbursement for rehabilitation services.
- §33-24-7d Required provisions in contracts which include child immunization services in the terms of the contract.
- §33-24-7e Coverage of emergency services.
- §33-24-7f Third party reimbursement for colorectal cancer examination and laboratory testing.
- §33-24-7g Required coverage for reconstruction surgery following mastectomies.
- §33-24-7h Required use of mail-order pharmacy prohibited.
- §33-24-7i Third-party reimbursement for kidney disease screening.
- §33-24-7j Required coverage for dental anesthesia services.
- §33-24-8 Contract or certificate to be furnished to policyholders and subscribers; payment for health care rendered needy persons.
- §33-24-9 Payroll deduction for governmental employees.
- §33-24-10 Investments; bonds of corporate officers and employees, minimum statutory surplus.
- §33-24-11 Reciprocity with other service plans; payment authorized.
- §33-24-12 Creation of subsidiary corporation or corporations.
- §33-24-13 Continuum of care services.
- §33-24-14 Delinquency proceedings.
- §33-24-15 Repealed
- §33-24-16 Repealed
- §33-24-17 Repealed
- §33-24-18 Repealed
- §33-24-19 Repealed
- §33-24-21 Repealed
- §33-24-22 Repealed
- §33-24-23 Repealed
- §33-24-24 Repealed
- §33-24-25 Repealed
- §33-24-26 Repealed
- §33-24-27 Repealed
- §33-24-28 Repealed
- §33-24-29 Repealed
- §33-24-30 Repealed
- §33-24-31 Repealed
- §33-24-32 Repealed
- §33-24-33 Repealed
- §33-24-34 Repealed
- §33-24-35 Repealed
- §33-24-36 Repealed
- §33-24-37 Repealed
- §33-24-38 Repealed
- §33-24-39 Repealed
- §33-24-40 Repealed
- §33-24-41 Repealed
- §33-24-42 Repealed
- §33-24-43 Policies discriminating among health care providers.
- §33-24-44 Authority of commissioner to promulgate rules and regulations regarding affiliate and subsidiary operating results.
ARTICLE 25. HEALTH CARE CORPORATIONS.
- §33-25-1 Declaration of policy.
- §33-25-2 Definitions.
- §33-25-3 Incorporation; purposes; name; limitations.
- §33-25-4 Board of directors.
- §33-25-5 Exemption from taxes.
- §33-25-6 Supervision and regulation by insurance commissioner; exemption from insurance laws.
- §33-25-6a Applicability of insurance fraud prevention act.
- §33-25-7 Licenses.
- §33-25-8 Commissioner to enforce article; approval of contracts, forms and rates; reserve fund; membership fee.
- §33-25-8a Third party reimbursement for mammography or pap smear or human papilloma virus testing.
- §33-25-8b Third party reimbursement for rehabilitation services.
- §33-25-8c Third party payment for child immunization services.
- §33-25-8d Coverage of emergency services.
- §33-25-8e Third party reimbursement for colorectal cancer examination and laboratory testing.
- §33-25-8f Required use of mail-order pharmacy prohibited.
- §33-25-8g Third-party reimbursement for kidney disease screening.
- §33-25-8h Required coverage for dental anesthesia services.
- §33-25-9 Annual report.
- §33-25-10 Examination of corporation; report of examination; objections to report; access to books, records, etc.; removal of records, etc., from state.
- §33-25-11 Rules and regulations.
- §33-25-12 Required provisions in contracts made by corporation with physicians, dentists, etc., hospitals and other health agencies.
- §33-25-13 Contracts to be furnished to subscribers; payments for subscribers by others; wage deductions.
- §33-25-14 Advancement of money to corporation.
- §33-25-15 Repealed
- §33-25-16 Disposition of fees and charges.
- §33-25-17 Bonds of corporation officers and employees.
- §33-25-18 Annual audited financial report.
- §33-25-19 Administrative supervision.
- §33-25-20 Policies discriminating among health care providers.
- §33-25-21 Authority of commissioner to promulgate rules and regulations regarding affiliate and subsidiary operating results.
ARTICLE 25A. HEALTH MAINTENANCE ORGANIZATION ACT.
- §33-25A-1 Short title and purpose.
- §33-25A-2 Definitions.
- §33-25A-3 Application for certificate of authority.
- §33-25A-3a Conditions precedent to issuance or maintenance of a certificate of authority; renewal of certificate of authority; effect of bankruptcy proceedings.
- §33-25A-4 Issuance of certificate of authority.
- §33-25A-5 Powers of health maintenance organizations.
- §33-25A-6 Governing body.
- §33-25A-7 Fiduciary responsibilities of officers; fidelity bond; approval of contracts by commissioner.
- §33-25A-7a Provider contracts.
- §33-25A-8a Third party reimbursement for mammography, pap smear or human papilloma virus testing.
- §33-25A-8b Third party reimbursement for rehabilitation services.
- §33-25A-8c Third party payment for child immunization services.
- §33-25A-8d Coverage of emergency services.
- §33-25A-8e Third party reimbursement for colorectal cancer examination and laboratory testing.
- §33-25A-8f Required coverage for reconstruction surgery following mastectomies.
- §33-25A-8g Required use of mail-order pharmacy prohibited.
- §33-25A-8h Third-party reimbursement for kidney disease screening.
- §33-25A-8i Third-party reimbursement for dental anesthesia services.
- §33-25A-9 Annual report.
- §33-25A-10 Information to enrollees.
- §33-25A-11 Open enrollment period.
- §33-25A-12 Grievance procedure.
- §33-25A-13 Investments.
- §33-25A-14 Prohibited advertising practices.
- §33-25A-14a Other prohibited practices.
- §33-25A-15 Agent licensing and appointment required; regulation of marketing.
- §33-25A-16 Powers of insurers and hospital and medical service corporations.
- §33-25A-17 Examinations.
- §33-25A-17a Quality assurance.
- §33-25A-18 Suspension or revocation of certificate of authority.
- §33-25A-19 Rehabilitation, liquidation or conservation of health maintenance organization.
- §33-25A-20 Regulations.
- §33-25A-21 Administrative procedures.
- §33-25A-22 Fees.
- §33-25A-23 Penalties and enforcement
- §33-25A-23a Civil penalty imposed by commissioner.
- §33-25A-24 Scope of provisions; applicability of other laws.
- §33-25A-24a Repealed
- §33-25A-24b Repealed
- §33-25A-25 Filings and reports as public documents.
- §33-25A-26 Confidentiality of medical information.
- §33-25A-27 Authority to contract with health maintenance organizations under medicaid.
- §33-25A-28 Required health maintenance organization option.
- §33-25A-29 Repealed
- §33-25A-30 Repealed
- §33-25A-31 Policies discriminating among health care providers.
- §33-25A-32 Authority of commissioner to promulgate rules and regulations regarding affiliate and subsidiary operating results.
- §33-25A-33 Guaranty fund.
- §33-25A-34 Ambulance services.
- §33-25A-35 Rural health maintenance organizations.
ARTICLE 25B. FEDERAL INSURANCE SUBSIDY FOR CHILDREN'S HEALTH.
- §33-25B-1 Definitions.
- §33-25B-2 Purpose.
- §33-25B-3 General powers.
- §33-25B-4 Voucher applications; contents.
- §33-25B-5 Duties and responsibilities of corporation.
- §33-25B-6 Duties and responsibilities of department of health and human resources to provide training and other services.
- §33-25B-7 Allowable commission for applicant aides; prohibited practices.
- §33-25B-8 Activities not deemed the sale of insurance; exemptions from benefits and taxation.
- §33-25B-9 Annual report and audits.
- §33-25B-10 Tax exemption.
- §33-25B-11 Personal liability of members or persons acting on behalf of the corporation.
ARTICLE 25C. HEALTH MAINTENANCE ORGANIZATION PATIENT BILL OF RIGHTS.
- §33-25C-1 Short title and purpose.
- §33-25C-2 Definitions.
- §33-25C-3 Notice of certain enrollee rights.
- §33-25C-4 Access to appropriate health services.
- §33-25C-5 Enrollee complaints; internal grievance procedure.
- §33-25C-6 External review of health care disputes.
- §33-25C-7 Managed care plan liability.
- §33-25C-8 Delegation of duties.
- §33-25C-9 Rules.
- §33-25C-10 Construction.
- §33-25C-11 Effective date.
ARTICLE 25D. PREPAID LIMITED HEALTH SERVICE ORGANIZATION ACT.
- §33-25D-1 Short title.
- §33-25D-2 Definitions.
- §33-25D-3 Application for certificate of authority; addition of services.
- §33-25D-4 Conditions precedent to issuance or maintenance of a certificate of authority; renewal of certificate of authority; effect of bankruptcy proceedings.
- §33-25D-5 Issuance of certificate of authority.
- §33-25D-6 Minimum capital.
- §33-25D-7 Powers of organization.
- §33-25D-8 Governing body; enrollee participation.
- §33-25D-9 Fiduciary responsibilities of managers; fidelity bond.
- §33-25D-10 Provider contracts.
- §33-25D-11 Evidence of coverage; review of enrollee records; charges for limited health services; cancellation of contract by enrollee.
- §33-25D-12 Annual and quarterly reports.
- §33-25D-13 Annual report to enrollees.
- §33-25D-14 Grievance procedure.
- §33-25D-15 Prohibited practices.
- §33-25D-16 Agent licensing and appointment required; regulation of marketing.
- §33-25D-17 Powers of insurers, hospital service corporations, medical service corporations, dental service corporations, health service corporations and health maintenance organizations.
- §33-25D-18 Examinations.
- §33-25D-19 Quality assurance.
- §33-25D-20 Suspension or revocation of certificate of authority.
- §33-25D-21 Rehabilitation, liquidation or conservation of prepaid limited health service organization.
- §33-25D-22 Rules.
- §33-25D-23 Administrative procedures.
- §33-25D-24 Fees.
- §33-25D-25 Penalties and enforcement.
- §33-25D-26 Scope of provisions; applicability of other laws.
- §33-25D-27 Filings and reports as public documents.
- §33-25D-28 Confidentiality of medical information.
- §33-25D-29 Authority to contract with prepaid limited health service organizations under medicaid.
- §33-25D-30 Authority of commissioner to propose rules regarding affiliate and subsidiary operating results.
ARTICLE 25E. PATIENTS' EYE CARE ACT.
- §33-25E-1 Short title.
- §33-25E-2 Definitions.
- §33-25E-3 Limitations on conditions of coverage.
- §33-25E-4 Required disclosure.
ARTICLE 25F. COVERAGE FOR PATIENT COST OF CLINICAL TRIALS.
ARTICLE 26. WEST VIRGINIA GUARANTY ASSOCIATION ACT.
- §33-26-1 Short title.
- §33-26-2 Purpose.
- §33-26-3 Scope.
- §33-26-4 Construction.
- §33-26-5 Definitions.
- §33-26-6 Creation of the association.
- §33-26-7 Board of directors.
- §33-26-8 Powers and duties of the association.
- §33-26-9 Plan of operation.
- §33-26-10 Duties and powers of the commissioner.
- §33-26-11 Effect of paid claims.
- §33-26-12 Nonduplication of recovery.
- §33-26-13 Prevention of insolvencies.
- §33-26-14 Examination of association; financial report.
- §33-26-15 Tax exemption.
- §33-26-16 Recognition of assessments in rates.
- §33-26-17 Immunity.
- §33-26-18 Stay of proceedings; reopening of default judgments.
- §33-26-19 Severability.
ARTICLE 26A. WEST VIRGINIA LIFE AND HEALTH INSURANCE GUARANTY ASSOCIATION ACT.
- §33-26A-1 Short title.
- §33-26A-2 Purpose of article and association of insurers.
- §33-26A-3 Scope of article; policies and contracts covered; exclusions; extent of liability.
- §33-26A-4 Construction of article.
- §33-26A-5 Definitions.
- §33-26A-6 Creation of association; required accounts; supervision of commissioner; meetings and records.
- §33-26A-7 Board of directors; members; vacancies; voting rights; appointment and reimbursement.
- §33-26A-8 Powers and duties of association.
- §33-26A-9 Assessments.
- §33-26A-10 Plan of operation.
- §33-26A-11 Duties and powers of commissioner of insurance.
- §33-26A-12 Prevention of insolvencies; duties of commissioner; coordination with board of directors; duties of the board of directors; requested examinations; procedures and reports.
- §33-26A-13 Appointment of special deputy.
- §33-26A-14 Miscellaneous provisions.
- §33-26A-15 Examination of association; annual report.
- §33-26A-16 Tax exemptions.
- §33-26A-17 Immunity.
- §33-26A-18 Stay of court proceedings; reopening default judgments.
- §33-26A-19 Prohibited advertisement of insurance guaranty association act in insurance sales; notice to policyholders.
ARTICLE 26B. WEST VIRGINIA HEALTH MAINTENANCE ORGANIZATION GUARANTY ASSOCIATION.
- §33-26B-1 Short title.
- §33-26B-2 Purpose.
- §33-26B-3 Scope.
- §33-26B-4 Construction.
- §33-26B-5 Definitions.
- §33-26B-6 Creation of association.
- §33-26B-7 Board of directors.
- §33-26B-8 Powers and duties of the association.
- §33-26B-9 Assessments.
- §33-26B-10 Plan of operation.
- §33-26B-11 Powers and duties of the commissioner.
- §33-26B-12 Records.
- §33-26B-13 Annual report of the association.
- §33-26B-14 Tax exemptions.
- §33-26B-15 Immunity.
- §33-26B-16 Prohibited advertisements.
ARTICLE 27. INSURANCE HOLDING COMPANY SYSTEMS.
- §33-27-1 Short title.
- §33-27-2 Definitions.
- §33-27-2a Subsidiaries of insurers; authorization; investment authority; exemptions; qualifications; cessation of controls.
- §33-27-3 Acquisition of control of or merger with domestic insurer; filing requirements; statements; alternative filing material; approval by the commissioner; hearings; notice; mailings to shareholders; expenses; exemptions; violations and jurisdiction.
- §33-27-4 Registration of insurers.
- §33-27-5 Standards.
- §33-27-6 Examination.
- §33-27-7 Confidential treatment.
- §33-27-8 Injunctions; prohibitions against voting securities; sequestration of voting securities.
- §33-27-9 Criminal proceedings; penalties.
- §33-27-10 Receivership.
- §33-27-11 Revocation, suspension or nonrenewal of insurer's license.
- §33-27-12 Conflict with other laws.
- §33-27-13 Recovery.
- §33-27-14 Regulatory authority.
ARTICLE 28. INDIVIDUAL ACCIDENT AND SICKNESS INSURANCE MINIMUM STANDARDS.
- §33-28-1 Short title.
- §33-28-2 Purpose of article.
- §33-28-3 Definition of terms used in article.
- §33-28-4 Standards for policy provisions.
- §33-28-5 Minimum standards for benefits.
- §33-28-5a Home health care coverage.
- §33-28-5b Medicare supplement insurance.
- §33-28-6 Outline of coverage.
- §33-28-7 Preexisting conditions.
ARTICLE 29. LIFE AND ACCIDENT AND SICKNESS INSURANCE POLICY LANGUAGE SIMPLIFICATION ACT.
- §33-29-1 Title.
- §33-29-2 Purpose.
- §33-29-3 Definitions.
- §33-29-4 Applicability and scope.
- §33-29-5 Minimum policy language simplification standards.
- §33-29-6 Construction.
- §33-29-7 Powers of the commissioner.
- §33-29-8 Approval of forms.
- §33-29-9 Effective dates.
ARTICLE 30. MINE SUBSIDENCE INSURANCE.
- §33-30-1 Legislative findings .
- §33-30-2 Purpose.
- §33-30-3 Definitions.
- §33-30-4 Mine subsidence insurance fund.
- §33-30-5 State support for mine subsidence insurance fund.
- §33-30-6 Mine subsidence coverage; waivers.
- §33-30-7 Limited right of insurers to refuse to provide subsidence coverage.
- §33-30-8 Reinsurance agreements.
- §33-30-9 Distribution of premium.
- §33-30-10 Payment of losses.
- §33-30-11 Repealed
- §33-30-12 Right of recourse.
- §33-30-13 Subrogation.
- §33-30-14 Powers of board.
- §33-30-15 Rules and regulations.
ARTICLE 31. CAPTIVE INSURANCE.
- §33-31-1 Definitions.
- §33-31-2 Licensing; authority.
- §33-31-3 Names of companies.
- §33-31-4 Minimum capital and surplus; letter of credit.
- §33-31-5 Dividends.
- §33-31-6 Formation of captive insurance companies in this state.
- §33-31-7 Reports and statements.
- §33-31-8 Examinations and investigations.
- §33-31-9 Grounds and procedures for suspension or revocation of license.
- §33-31-10 Legal investments.
- §33-31-11 Reinsurance.
- §33-31-12 Rating organizations; memberships.
- §33-31-13 Exemption from compulsory associations.
- §33-31-14 Tax on premiums collected.
- §33-31-15 Rules and regulations.
- §33-31-17 Delinquency.
- §33-31-18 Rules for controlled unaffiliated business.
- §33-31-19 Conversion to or merger with reciprocal insurer.
- §33-31-20 Branch captive insurance company formation.
- §33-31-21 Security required.
- §33-31-22 Certificate of general good.
- §33-31-23 Reports.
- §33-31-24 Examination.
- §33-31-25 Taxation.
ARTICLE 31A. SPONSORED CAPTIVE INSURANCE COMPANY FORMATION.
- §33-31A-1 Applicability of article.
- §33-31A-2 Definitions
- §33-31A-3 Formation of sponsored captive insurance companies.
- §33-31A-4 Supplemental application materials.
- §33-31A-5 Protected cells.
- §33-31A-6 Qualification of sponsors.
- §33-31A-7 Authorized participants.
- §33-31A-8 Investments.
- §33-31A-9 Delinquency.
ARTICLE 32. RISK RETENTION ACT.
- §33-32-1 Purpose and short title.
- §33-32-2 Definitions.
- §33-32-3 Charter and license requirements for domestic groups.
- §33-32-4 Risk retention groups not chartered in this state.
- §33-32-5 Tax on premiums collected.
- §33-32-6 Compliance with unfair claims settlement practices law.
- §33-32-7 Prohibitive, deceptive, false, or fraudulent practices.
- §33-32-8 Examination regarding financial condition.
- §33-32-9 Notice to purchasers.
- §33-32-10 Prohibited acts regarding solicitation or sale.
- §33-32-11 Prohibition on ownership by an insurance company.
- §33-32-12 Prohibited coverage.
- §33-32-13 Delinquency proceedings.
- §33-32-14 Compulsory associations.
- §33-32-15 Countersignatures not required.
- §33-32-16 Purchasing groups; exemption from certain laws relating to the group purchase of insurance.
- §33-32-17 Notice and registration requirements of purchasing groups.
- §33-32-18 Restrictions on insurance purchased by purchasing groups.
- §33-32-19 Administrative and procedural authority regarding risk retention groups and purchasing groups.
- §33-32-20 Penalties.
- §33-32-21 Duty on agents or brokers to obtain license.
- §33-32-22 Binding effect of orders issued in United States district court.
- §33-32-23 Rules.
- §33-32-24 Operation prior to enactment.
ARTICLE 33. ANNUAL AUDITED FINANCIAL REPORT.
- §33-33-1 Declaration of policy and purpose.
- §33-33-2 Definitions.
- §33-33-3 General requirements related to filing and extensions for filing of annual audited financial reports and audit committee appointment.
- §33-33-4 Contents of annual audited financial report.
- §33-33-5 Designation of independent certified public accountant.
- §33-33-6 Qualifications of independent certified public accountants.
- §33-33-8 Scope of audit and report of independent certified public accountant.
- §33-33-9 Notification of adverse financial condition.
- §33-33-10 Communication of internal control related matters noted in an audit.
- §33-33-10a Accountant's letter of qualifications
- §33-33-11 Definition, availability and maintenance of independent certified public accountant workpapers.
- §33-33-12 Requirements for audit committees.
- §33-33-13 Conduct of insurer in connection with the preparation of required reports and documents.
- §33-33-14 Canadian and British companies.
- §33-33-15 Management's report of internal control over financial reporting.
- §33-33-16 Exemptions and effective dates.
ARTICLE 34. ADMINISTRATIVE SUPERVISION.
- §33-34-1 Definitions.
- §33-34-2 Applicability.
- §33-34-3 Notice to comply with written requirements of commissioner, noncompliance and administrative supervision.
- §33-34-4 Confidentiality of certain proceedings and records.
- §33-34-5 Prohibited acts during period of supervision.
- §33-34-6 Administrative election of proceedings.
- §33-34-7 Rules.
- §33-34-8 Meetings between the commissioner and the special deputy supervisor.
- §33-34-9 Special deputy supervisor appointed and expenses.
- §33-34-10 Immunity.
- §33-34-11 Severability.
ARTICLE 34A. STANDARDS AND COMMISSIONER'S AUTHORITY FOR COMPANIES DEEMED TO BE IN HAZARDOUS FINANCIAL CONDITION.
- §33-34A-1 Definitions.
- §33-34A-2 Purpose.
- §33-34A-3 Standards.
- §33-34A-4 Commissioner's authority.
- §33-34A-5 Election of proceedings.
- §33-34A-6 Immunity from liability.
- §33-34A-7 Rules.
- §33-34A-8 Severability of provisions.
ARTICLE 35. CRIMINAL SANCTIONS FOR FAILURE TO REPORT IMPAIRMENT.
ARTICLE 36. BUSINESS TRANSACTED WITH PRODUCER-CONTROLLED PROPERTY/CASUALTY INSURER ACT.
- §33-36-1 Short title.
- §33-36-2 Definitions.
- §33-36-3 Applicability.
- §33-36-4 Minimum standards.
- §33-36-5 Disclosure.
- §33-36-6 Penalties.
- §33-36-7 Effective date.
ARTICLE 37. MANAGING GENERAL AGENTS.
- §33-37-1 Definitions.
- §33-37-2 Licensure.
- §33-37-3 Required contract provisions.
- §33-37-4 Duties of insurers.
- §33-37-5 Examination authority.
- §33-37-6 Penalties and liabilities.
- §33-37-7 Rules and regulations.
- §33-37-8 Effective date.
ARTICLE 38. REINSURANCE INTERMEDIARY ACT.
- §33-38-1 Short title.
- §33-38-2 Definitions.
- §33-38-3 Licensure.
- §33-38-3a License applications, issuance, refusal and renewal.
- §33-38-4 Required contract provisions; reinsurance intermediary- brokers.
- §33-38-5 Books and records; reinsurance intermediary-brokers.
- §33-38-6 Duties of insurers utilizing the services of a reinsurance intermediary-broker.
- §33-38-7 Required contract provisions; reinsurance intermediary-managers.
- §33-38-8 Prohibited acts.
- §33-38-9 Duties of reinsurers utilizing the services of a reinsurance intermediary-manager.
- §33-38-10 Examination authority.
- §33-38-11 Penalties and liabilities.
- §33-38-12 Regulatory authority.
- §33-38-13 Fees.
- §33-38-14 Reciprocity.
ARTICLE 39. DISCLOSURE OF MATERIAL TRANSACTIONS.
- §33-39-1 Report.
- §33-39-2 Acquisitions and dispositions of assets.
- §33-39-3 Nonrenewals, cancellations or revisions of ceded reinsurance programs.
- §33-39-4 Effective date.
ARTICLE 40. RISK-BASED CAPITAL (RBC) FOR INSURERS.
- §33-40-1 Definitions.
- §33-40-2 RBC reports.
- §33-40-3 Company action level event.
- §33-40-4 Regulatory action level event.
- §33-40-5 Authorized control level event.
- §33-40-6 Mandatory control level event.
- §33-40-7 Hearings.
- §33-40-8 Confidentiality; prohibition on announcements, prohibition on use in ratemaking.
- §33-40-9 Supplemental provisions; rules; exemption.
- §33-40-10 Foreign insurers.
- §33-40-11 Immunity.
- §33-40-12 Notices.
- §33-40-13 Effective date.
ARTICLE 41. PRIVILEGES AND IMMUNITY.
- §33-41-1 Short title; legislative findings and purpose.
- §33-41-2 Definitions
- §33-41-3 Fraud warning authorized; statement required of nonadmitted insurers.
- §33-41-4 Authority of the commissioner; use of special assistant prosecutors.
- §33-41-5 Reporting of insurance fraud or criminal offenses otherwise related to the business of insurance.
- §33-41-6 Immunity from liability.
- §33-41-7 Confidentiality.
- §33-41-8 Creation of insurance fraud unit; purpose; duties; personnel qualifications.
- §33-41-8a Fingerprinting and background check for applicants for employment with fraud unit.
- §33-41-8b Fraud investigators may present complaint directly to magistrate.
- §33-41-9 Other law-enforcement or regulatory authority.
- §33-41-10 Rules.
- §33-41-11 Fraudulent claims to insurance companies.
- §33-41-12 Civil penalties; injunctive relief; employment disqualification.
ARTICLE 42. WOMEN'S ACCESS TO HEALTH CARE ACT.
- §33-42-1 Short title.
- §33-42-2 Legislative findings and purpose.
- §33-42-3 Definitions.
- §33-42-4 Limitations on conditions of coverage.
- §33-42-5 Required disclosure.
- §33-42-6 Certain cost-sharing prohibited.
- §33-42-7 Limitation on number of women's health care providers.
- §33-42-8 Partial-birth abortions prohibited; criminal penalties; exceptions; hearings by state board of medicine.
ARTICLE 43. INSURANCE TAX PROCEDURES ACT.
- §33-43-1 Short title.
- §33-43-2 Application.
- §33-43-3 Definitions.
- §33-43-4 Powers of the commissioner.
- §33-43-4a Agreements and compromises.
- §33-43-5 Limitation on actions.
- §33-43-6 Returns.
- §33-43-7 Penalties.
- §33-43-8 Assessments.
- §33-43-9 Hearing and appeal; judicial review.
- §33-43-10 Refunds and credits.
- §33-43-11 Interest.
- §33-43-12 Allocation of payments.
- §33-43-13 Overpayments and underpayments.
- §33-43-14 Retroactive monetary relief for unconstitutional taxes.
- §33-43-15 Taxes collected on behalf of the commissioner.
ARTICLE 44. UNAUTHORIZED INSURERS ACT.
- §33-44-1 Short title.
- §33-44-2 Purpose of enactment of provisions regarding unauthorized insurers.
- §33-44-3 Definitions.
- §33-44-4 Unlawful transaction of insurance.
- §33-44-5 Service of process on unauthorized insurers.
- §33-44-6 Injunctive relief.
- §33-44-7 Administrative relief.
- §33-44-8 Civil relief.
- §33-44-9 Criminal penalties.
- §33-44-10 Defense of action or proceeding by unauthorized insurer; bond requirements.
- §33-44-11 Person providing specified coverage; proof of regulation by a federal government agency.
- §33-44-12 Collection, maintenance and distribution of restitution to insureds.
- §33-44-13 Enforcement of foreign decrees.
ARTICLE 45. ETHICS AND FAIRNESS IN INSURER BUSINESS PRACTICES.
- §33-45-1 Definitions.
- §33-45-2 Minimum fair business standards contract provisions required; processing and payment of health care services; provider claims; commissioner's jurisdiction.
- §33-45-3 Damages, attorney fees and costs available to providers upon insurer's violation of article or breach of contract provisions.
- §33-45-4 Providers invoking rights protected.
- §33-45-5 Commissioner authorized to propose rules.
- §33-45-6 Commissioner's authority.
- §33-45-7 Contractual alternative reimbursement arrangements.
- §33-45-8 Exemptions.
ARTICLE 46. THIRD-PARTY ADMINISTRATOR ACT.
- §33-46-1 Short title.
- §33-46-2 Definitions.
- §33-46-3 Written agreement necessary.
- §33-46-4 Payment to administrator.
- §33-46-5 Maintenance of information.
- §33-46-6 Approval of advertising.
- §33-46-7 Responsibilities of the insurer.
- §33-46-8 Premium collection and payment of claims.
- §33-46-9 Compensation to the administrator.
- §33-46-10 Notice to covered individuals; disclosure of charges and fees.
- §33-46-11 Delivery of materials to covered individuals.
- §33-46-12 Home state certificate of authority or license.
- §33-46-13 Registration requirement.
- §33-46-14 Nonresident administrator.
- §33-46-15 Fees and charges.
- §33-46-16 Annual report and filing fee.
- §33-46-17 Grounds for denial, suspension or revocation of license.
- §33-46-18 Exemption for administrators of public health programs.
- §33-46-19 Unauthorized business
- §33-46-20 Commissioner authorized to propose rules.
ARTICLE 46A. PROFESSIONAL EMPLOYER ORGANIZATIONS.
- §33-46A-1 Purpose and intent.
- §33-46A-2 Definitions.
- §33-46A-3 Rights, duties and obligations unaffected by this article.
- §33-46A-4 Licensing requirements.
- §33-46A-5 Examinations; costs; confidentiality of information.
- §33-46A-6 Requirements for provisions of PEO agreements.
- §33-46A-7 Workers' compensation.
- §33-46A-8 Enforcement; penalties.
- §33-46A-9 Study of health plans, taxation, unemployment and labor laws; self-funded plans prohibited.
- §33-46A-10 Rule-making authority; fees.
ARTICLE 47. INTERSTATE INSURANCE PRODUCT REGULATION COMPACT.
- §33-47-1 Purposes.
- §33-47-2 Definitions.
- §33-47-3 Establishment of the commission and venue.
- §33-47-4 Powers of the commission.
- §33-47-5 Organization of the commission.
- §33-47-6 Meetings and acts of the commission.
- §33-47-7 Rules and operating procedures: rule-making functions of the commission and opting out of uniform standards.
- §33-47-8 Commission records and enforcement.
- §33-47-9 Dispute resolution.
- §33-47-10 Product filing and approval.
- §33-47-11 Review of commission decisions regarding filings.
- §33-47-12 Finance.
- §33-47-13 Compacting states, effective date and amendment.
- §33-47-14 Withdrawal, default and termination.
- §33-47-15 Severability and construction.
- §33-47-16 Binding effect of compact and other laws.
- §33-47-17 Filing of rules by the insurance commissioner.
ARTICLE 48. MODEL HEALTH PLAN FOR UNINSURABLE INDIVIDUALS ACT.
- §33-48-1 Definitions.
- §33-48-2 Operation of the plan.
- §33-48-3 Establishment of rules.
- §33-48-4 Eligibility.
- §33-48-5 Unfair referral to plan.
- §33-48-6 Plan administrator.
- §33-48-7 Funding of the plan.
- §33-48-7a Special revenue account created.
- §33-48-7b Surplus available to subsidize premiums.
- §33-48-8 Benefits.
- §33-48-9 Collective action.
- §33-48-10 Taxation.
- §33-48-11 Repealed
- §33-48-12 Effective date.
Disclaimer: These codes may not be the most recent version. West Virginia may have more current or accurate information. We make no warranties or guarantees about the accuracy, completeness, or adequacy of the information contained on this site or the information linked to on the state site. Please check official sources.
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