2020 Colorado Revised Statutes
Title 10 - Insurance
Article 4. Property and Casualty Insurance

• Section 10-4-101. Legislative declaration.
• Section 10-4-102. Federal "voluntary fair access to insurance required, property insurance program" - state qualification.
• Section 10-4-103. Voluntary partial payment of liability claims without admission of liability.
• Section 10-4-104. Competency of minor to contract for insurance - nonavoidance.
• Section 10-4-105. Valuation of bonds and policies other than life.
• Section 10-4-106. Assigned risks.
• Section 10-4-107. Cancellation of medical malpractice policies.
• Section 10-4-108. Notice.
• Section 10-4-109. Nonrenewal of medical malpractice policies.
• Section 10-4-109.5. Notice of intent prior to unilateral increase in premium or decrease in coverage previously provided in medical malpractice policies.
• Section 10-4-109.7. Notice of intent prior to cancellation of certain policies of insurance.
• Section 10-4-110. Notice of intent prior to nonrenewal of certain policies of insurance.
• Section 10-4-110.3. Exclusions where claim involves sexual misconduct - void.
• Section 10-4-110.4. Exclusion - claims involving loss in progress not known to insured.
• Section 10-4-110.5. Notice of intent prior to unilateral increase in premium or decrease in coverage previously provided in certain policies of insurance.
• Section 10-4-110.6. Homeowner's insurance - definition.
• Section 10-4-110.7. Cancellation or nonrenewal - homeowner's insurance policies.
• Section 10-4-110.8. Homeowner's insurance - prohibited and required practices - estimates of replacement value - additional living expense coverage - copies of policies - personal property contents coverage - inventory of personal property - definitions - rules.
• Section 10-4-110.9. Fire insurance - issuance and renewal of policies within federally designated disaster areas.
• Section 10-4-111. Summary disclosure forms required.
• Section 10-4-112. Property damage - time of payment.
• Section 10-4-113. Exemptions.
• Section 10-4-114. Requirements on hazard insurance coverage for loans secured by real property.
• Section 10-4-115. Private utilization review.
• Section 10-4-116. Use of credit information.
• Section 10-4-117. Loss history information report - notice to insured - definition.
• Section 10-4-118. Severability.
• Section 10-4-119. Monthly and electronic payment of premiums.
• Section 10-4-120. Unfair or discriminatory trade practices - legislative declaration. (1) (a)
• Section 10-4-121. Authority of insurer to protect policyholders' property - emergency.

• Section 10-4-201 to 10-4-217. (Repealed).

Editor's note: This part 3 was numbered primarily as article 12 of chapter 72, C.R.S. 1963. The substantive provisions of this part 3 were repealed and reenacted in 1979, resulting in the addition, relocation, and elimination of sections as well as subject matter. For amendments to this part 3 prior to 1979, consult the Colorado statutory research explanatory note and the table itemizing the replacement volumes and supplements to the original volume of C.R.S. 1973 beginning on page vii in the front of this volume. Former C.R.S. section numbers are shown in editor's notes following those sections that were relocated.

• Section 10-4-301. Bond executed by surety company.
• Section 10-4-302. Release of surety - other security.
• Section 10-4-303. Application for release of surety - refund.
• Section 10-4-304. Place of deposit.
• Section 10-4-305. Bond part of expense.

Editor's note: This part 4 was numbered as article 35 of chapter 72, C.R.S. 1963. The substantive provisions of this part 4 were repealed and reenacted in 1979, resulting in the addition, relocation, and elimination of sections as well as subject matter. For amendments to this part 4 prior to 1979, consult the Colorado statutory research explanatory note and the table itemizing the replacement volumes and supplements to the original volume of C.R.S. 1973 beginning on page vii in the front of this volume. Former C.R.S. section numbers are shown in editor's notes following those sections that were relocated.

• Section 10-4-401. Purpose - applicability.
• Section 10-4-402. Definitions.
• Section 10-4-403. Standards for rates - competition - procedure - requirement for independent actuarial opinions regarding 1991 legislation.
• Section 10-4-404. Rate administration.
• Section 10-4-404.5. Rating plans - property and casualty type II insurers - rules.
• Section 10-4-404.6. Legislative declaration - obtaining information of impact of changes in the civil justice system. (Repealed)
• Section 10-4-405. Filing of rating information - certain coverages.
• Section 10-4-406. Review of filings - certain coverages.
• Section 10-4-407. Hearings.
• Section 10-4-408. Rating organization - study of workers' compensation rates - premium reductions - adoption of rules.
• Section 10-4-409. Rates furnished - cooperation among organizations.
• Section 10-4-410. Advisory organizations.
• Section 10-4-411. Joint underwriting.
• Section 10-4-412. Assigned risk motor vehicle insurance.
• Section 10-4-413. Records required to be maintained.
• Section 10-4-414. Examinations.
• Section 10-4-415. Prohibition against anticompetitive behavior.
• Section 10-4-416. Prohibiting changes in rates or coverages.
• Section 10-4-417. False or misleading information.
• Section 10-4-418. Enforcement procedures - penalties.
• Section 10-4-419. Claims-made policy forms.
• Section 10-4-419.5. Workers' compensation form certification.
• Section 10-4-420. Risk management procedures.
• Section 10-4-421. Notice of rate increases and decreases.

• Section 10-4-501. Short title.
• Section 10-4-502. Legislative declaration.
• Section 10-4-503. Definitions.
• Section 10-4-504. Scope.
• Section 10-4-505. Construction.
• Section 10-4-506. Colorado insurance guaranty association.
• Section 10-4-507. Board of directors.
• Section 10-4-508. Powers and duties of association.
• Section 10-4-508.5. Aggregate liability of association.
• Section 10-4-509. Plan of operation.
• Section 10-4-510. Duties and powers of commissioner.
• Section 10-4-511. Effect of paid claims.
• Section 10-4-512. Nonduplication of recovery.
• Section 10-4-513. Prevention of insolvencies.
• Section 10-4-514. Examination of association.
• Section 10-4-515. Tax exemption.
• Section 10-4-516. Recognition of assessments in rates.
• Section 10-4-517. Immunity.
• Section 10-4-518. Stay of proceedings.
• Section 10-4-519. Termination - distribution of funds.
• Section 10-4-520. Advertising.

Cross references: For abuse of property insurance, see § 18-13-119.5.

• Section 10-4-601. Definitions.
• Section 10-4-601.5. Administrative authority.
• Section 10-4-602. Basis for cancellation.
• Section 10-4-603. Notice.
• Section 10-4-604. Nonrenewal.
• Section 10-4-604.5. Issuance or renewal of insurance policies - proof of insurance provided by certificate, card, or other media.
• Section 10-4-605. Proof of notice.
• Section 10-4-606. Further notice.
• Section 10-4-607. Immunity.
• Section 10-4-608. Exemptions.
• Section 10-4-609. Insurance protection against uninsured motorists - applicability.
• Section 10-4-610. Property damage protection against uninsured motorists.
• Section 10-4-611. Elimination of discounts - damage by uninsured motorist.
• Section 10-4-612. Study concerning implementation of proof of insurance. (Repealed)
• Section 10-4-613. Glass repair and replacement.
• Section 10-4-614. Inflatable restraint systems - replacement - verification of claims.
• Section 10-4-615. Motorist insurance identification database program - reporting required - fine.
• Section 10-4-616. Disclosure of credit reports.
• Section 10-4-617. Insurers - biannual fee - auto theft prevention authority.
• Section 10-4-618. Unfair or discriminatory trade practices - legislative declaration. (Repealed)
• Section 10-4-619. Coverage compulsory.
• Section 10-4-620. Required coverage.
• Section 10-4-621. Required coverages are minimum.
• Section 10-4-622. Required provision for intrastate and interstate operation.
• Section 10-4-623. Conditions and exclusions.
• Section 10-4-624. Self-insurers.
• Section 10-4-625. Premium payments.
• Section 10-4-626. Prohibited reasons for nonrenewal or refusal to write policy of automobile insurance applicable to this part 6.
• Section 10-4-627. Discriminatory standards - premiums - surcharges - proof of financial responsibility requirements.
• Section 10-4-628. Refusal to write - changes in - cancellation - nonrenewal of policies prohibited.
• Section 10-4-629. Cancellation - renewal - reclassification.
• Section 10-4-630. Exclusion of named driver.
• Section 10-4-631. Insurers to file rate schedule. (Repealed)
• Section 10-4-632. Reduction in rates for drivers aged fifty-five years or older who complete driver's education course - legislative declaration.
• Section 10-4-633. Certification of policy and notice forms.
• Section 10-4-633.5. Automobile insurance policies - plain language required - rules.
• Section 10-4-634. Assignment of payment for covered benefits.
• Section 10-4-635. Medical payments coverage - definitions.
• Section 10-4-636. Disclosure requirements for automobile insurance products offered rules.
• Section 10-4-637. No discrimination by profession.
• Section 10-4-638. Retroactive adjustment of health care service claims.
• Section 10-4-639. Claims practices for property damage.
• Section 10-4-640. Operator's policy of insurance.
• Section 10-4-641. Rules - medical payments coverage.
• Section 10-4-642. Prompt payment of direct benefits - legislative declaration - definitions.
• Section 10-4-643. Electronic claim forms - rules.

• Section 10-4-701 to 10-4-726. (Repealed).

• Section 10-4-801 to 10-4-808. (Repealed).

• Section 10-4-901 to 10-4-913. (Repealed).

Cross references: For penalty provisions for arson, see part 1 of article 4 of title 18.

• Section 10-4-1001. Short title.
• Section 10-4-1002. Definitions.
• Section 10-4-1003. Disclosure of information.
• Section 10-4-1004. Evidence - confidential.
• Section 10-4-1005. Immunity.
• Section 10-4-1006. Enforcement.
• Section 10-4-1007. Penalty.
• Section 10-4-1008. Municipal ordinances - concurrent jurisdiction - common law.
• Section 10-4-1009. Continuing duties of insurers - unfair claim settlement practices.

• Section 10-4-1101 to 10-4-1114. (Repealed).

• Section 10-4-1201. Definitions.
• Section 10-4-1202. Minimum standards.
• Section 10-4-1203. Disclosure.
• Section 10-4-1204. Penalties.
• Section 10-4-1205. Applicability.
• Section 10-4-1206. Effective date.

• Section 10-4-1301. Legislative declaration.
• Section 10-4-1302. Definitions.
• Section 10-4-1303. Temporary joint underwriting association.
• Section 10-4-1304. Board of directors - authority.
• Section 10-4-1305. Plan of operation - annual certification.
• Section 10-4-1306. Deficits - assessment - rebate of surplus.
• Section 10-4-1307. Annual statements.
• Section 10-4-1308. Examinations.
• Section 10-4-1309. Legislative declaration - authority of commissioner - emergency rules judicial review.
• Section 10-4-1310. Privileged communications.
• Section 10-4-1311. Tax exemption.

• Section 10-4-1401. Legislative declaration.
• Section 10-4-1402. Rules.
• Section 10-4-1403. Exemption from rate filing, approval, and form certification requirements.
• Section 10-4-1404. Multistate insurance risks - choice of law.

• Section 10-4-1501. Definitions.
• Section 10-4-1502. Licensure of vendors.
• Section 10-4-1503. Requirements for sale of portable electronics insurance.
• Section 10-4-1504. Authority of vendors of portable electronics.
• Section 10-4-1505. Suspension or revocation of license.
• Section 10-4-1506. Termination of portable electronics insurance.
• Section 10-4-1507. Application for license - fees.

• Section 10-4-1601. Definitions.
• Section 10-4-1602. Exemptions.
• Section 10-4-1603. Requirements for sale of consumer goods service contracts - definitions.
• Section 10-4-1604. Obligations of reimbursement insurance companies.
• Section 10-4-1605. Required disclosures - reimbursement insurance policy.
• Section 10-4-1606. Required disclosures - service contracts.
• Section 10-4-1607. Prohibited acts.
• Section 10-4-1608. Required record keeping.
• Section 10-4-1609. Enforcement provisions - rules.

• Section 10-4-1701. Definitions.
• Section 10-4-1702. Authority to issue license.
• Section 10-4-1703. License - application - restrictions.
• Section 10-4-1704. Disclosures to occupant.
• Section 10-4-1705. Supervision of issuance - training.
• Section 10-4-1706. Compensation.
• Section 10-4-1707. Exemption from requirements.
• Section 10-4-1708. Notification.
• Section 10-4-1709. Enforcement.