West Virginia CHAPTER 33. — INSURANCE
- CHAPTER 33. — INSURANCE.
- ARTICLE 1. — DEFINITIONS.
- §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 — Repealed.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 — Repealed.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 — Repealed.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.
- §33-2-4. — 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.
- 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.
- §33-6F-1. — Privacy; rules.
- 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.
- ARTICLE 8. — INVESTMENTS.
- §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-2. — Purpose.
- 33-11A-3. — Definitions.
- 33-11A-4. — Authorization to implement regulations.
- §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-9. — Disclosures.
- §33-11A-10. — Timing of insurance solicitation.
- §33-11A-11. — Insurance in connection with a loan.
- §33-11A-12. — Prohibition of discrimination against agents or brokers.
- §33-11A-13. — Confidentiality of insurance information obtained by financial institutions.
- §33-11A-14. — Physical location of insurance sales.
- §33-11A-15. — Insurance records to be kept separate.
- §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.
- §33-12-9. — 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.
- 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.
- ARTICLE 12B. — ADJUSTERS.
- §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.
- ARTICLE 12C. — SURPLUS LINE.
- §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. — Licensee's duty to notify insured.
- §33-12C-14. — Effect of payment to surplus lines licensee.
- §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.
- ARTICLE 13. — LIFE INSURANCE.
- §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 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. — Repealed.
- §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.
- §33-15-5. — 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.
- §33-15C-1. — Insurance for diabetics.
- ARTICLE 15D. — INDIVIDUAL LIMITED HEALTH BENEFITS PLANS.
- §33-15D-1. — Declaration of legislative intent.
- §33-15D-2. — Individual limited health benefits plans; approval by commissioner; eligibility of individuals.
- §33-15D-3. — Applicability of certain provisions; commissioner's authority to forbear from applying certain provisions.
- §33-15D-4. — Underwriting standards for individual plans.
- §33-15D-5. — Reimbursement rates for individual plans.
- §33-15D-6. — Filing and approval of rates.
- §33-15D-7. — Certification of creditable coverage.
- §33-15D-8. — Emergency rules authorized.
- §33-15D-9. — Disclaimer.
- §33-15D-10. — Exemption from premium taxes.
- §33-15D-11. — Severability; controlling provisions.
- 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.
- §33-16-3l. — Renewability and modification of 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.
- §33-16-4. — 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.
- §§33-16C-1 to 33-16C-10. — Repealed.
- 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 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.
- §33-18-1. — Association of volunteer fire departments to obtain casualty insurance.
- ARTICLE 19. — SURETY INSURANCE.
- §33-19-1. — Surety required in courts or by governmental bodies to be provided by persons licensed in West Virginia.
- 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.
- ARTICLE 20D. — TAIL INSURANCE.
- §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.
- §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.
- §33-24-8. — 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
- §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.
- §33-25-9. — 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-8. — Evidence of coverage; charges for health care services; review of enrollee records; cancellation of contract by enrollee.
- §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-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-24b. — 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.
- §33-25F-1. — Definitions.
- §33-25F-2. — Coverage applicable under this article.
- 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. — Filing and extensions for filing of annual audited financial reports.
- §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.
- §33-33-7. — Consolidated or combined audits.
- §33-33-8. — Scope of examination and report of independent certified public accountant.
- §33-33-9. — Notification of adverse financial condition.
- §33-33-10. — Evaluation of accounting procedures and system of internal control.
- §33-33-10a. — Accountant's letter of qualifications.
- §33-33-11. — Definition, availability and maintenance of certified public accountant (CPA) workpapers.
- §33-33-12. — Examinations.
- §33-33-13. — Exemptions from compliance.
- §33-33-14. — Canadian and British companies.
- §33-33-15. — Severability.
- 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.
- §33-35-1. — Definitions.
- §33-35-2. — Duty to notify.
- §33-35-3. — Penalty.
- 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. As used in this article, these terms have the following meanings:
- §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,
- §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.
- §33-41-9. — 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 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.
- §33-48-8. — Benefits.
- §33-48-9. — Collective action.
- §33-48-10. — Taxation.
- §33-48-11. — Continuation of model health plan for uninsurable individuals.
- §33-48-12. — Effective date.