2020 Georgia Code
Title 33 - Insurance
- Chapter 1 - General Provisions [33-1-1 through 33-1-26]
- Chapter 2 - Department and Commissioner [33-2-1 through 33-2-34]
- Chapter 3 - Authorization and General Requirements for Transaction of Insurance [33-3-1 through 33-3-30]
- Chapter 4 - Actions Against Insurance Companies [33-4-1 through 33-4-7]
- Chapter 5 - Regulation of Unauthorized Insurers [33-5-1 through 33-5-59]
- Chapter 6 - Unfair Trade Practices [33-6-1 through 33-6-37]
- Chapter 7 - Kinds of Insurance; Limits of Risks; Reinsurance [33-7-1 through 33-7-15]
- Chapter 8 - Fees and Taxes [33-8-1 through 33-8-13]
- Chapter 9 - Regulation of Rates, Underwriting Rules, and Related Organizations [33-9-1 through 33-9-44]
- Chapter 10 - Assets and Liabilities [33-10-1 through 33-10-17]
- Chapter 11 - Investments [33-11-1 through 33-11-89]
- Chapter 11A - Investment Pools [Redesignated]
- Chapter 12 - Administration of Deposits [33-12-1 through 33-12-17]
- Chapter 13 - Insurance Holding Company Systems [33-13-1 through 33-13-41]
- Chapter 13A - Mutual Insurance Holding Companies [33-13A-1 through 33-13A-13]
- Chapter 14 - Domestic Stock and Mutual Insurers [33-14-1 through 33-14-128]
- Chapter 15 - Fraternal Benefit Societies [33-15-1 through 33-15-123]
- Chapter 16 - Farmers' Mutual Fire Insurance Companies [33-16-1 through 33-16-22]
- Chapter 17 - Reciprocal Insurers [33-17-1 through 33-17-31]
- Chapter 18 - Nonprofit Medical Service Corporations [33-18-1 through 33-18-33.] [Repealed]
- Chapter 19 - Nonprofit Hospital Service Corporations [33-19-1 through 33-19-22.] [Repealed]
- Chapter 20 - Health Care Plans [33-20-1 through 33-20-34]
- Chapter 20A - Managed Health Care Plans [33-20A-1 through 33-20A-70]
- Chapter 20B - Essential Rural Health Care Provider Access [33-20B-1 through 33-20B-6]
- Chapter 20C - Accurate Provider Directories [33-20C-1 through 33-20C-7]
- Chapter 20D - Rental Provider Network [33-20D-1 through 33-20D-6]
- Chapter 20E - Surprise Billing Consumer Protection Act [33-20E-1 through 33-20E-23]
- Chapter 21 - Health Maintenance Organizations [33-21-1 through 33-21-29]
- Chapter 21A - Medicaid Care Management Organizations [33-21A-1 through 33-21A-12]
- Chapter 22 - Insurance Premium Finance Companies [33-22-1 through 33-22-16]
- Chapter 23 - Licensing [33-23-1 through 33-23-205]
- Chapter 24 - Insurance Generally [33-24-1 through 33-24-98]
- Chapter 25 - Life Insurance [33-25-1 through 33-25-15]
- Chapter 26 - Industrial Life Insurance [33-26-1 through 33-26-7]
- Chapter 27 - Group Life Insurance [33-27-1 through 33-27-9]
- Chapter 28 - Annuity and Pure Endowment Contracts [33-28-1 through 33-28-7]
- Chapter 29 - Individual Accident and Sickness Insurance [33-29-1 through 33-29-22]
- Chapter 29A - Individual Health Insurance Coverage [33-29A-1 through 33-29A-35]
- Chapter 29B - Health Care Coverage for Children [33-29B-1 through 33-29B-8.] [Repealed]
- Chapter 30 - Group or Blanket Accident and Sickness Insurance [33-30-1 through 33-30-29]
- Chapter 30A - Health Plan Purchasing Cooperatives [33-30A-1 through 33-30A-11]
- Chapter 30B - Spending Account and Consumer Driven Health Plan Advancement [33-30B-1 through 33-30B-7]
- Chapter 31 - Credit Life Insurance and Credit Accident and Sickness Insurance [33-31-1 through 33-31-12]
- Chapter 32 - Property Insurance [33-32-1 through 33-32-6]
- Chapter 33 - Fair Access to Insurance Requirements [33-33-1 through 33-33-11]
- Chapter 34 - Motor Vehicle Accident Reparations [33-34-1 through 33-34-9]
- Chapter 34A - Vehicle Protection Product Warranties [33-34A-1 through 33-34A-13]
- Chapter 35 - Prepaid Legal Services Plans [33-35-1 through 33-35-23]
- Chapter 36 - Georgia Insurers Insolvency Pool [33-36-1 through 33-36-20]
- Chapter 37 - Insurers Rehabilitation and Liquidation [33-37-1 through 33-37-58]
- Chapter 38 - Georgia Life and Health Insurance Guaranty Association [33-38-1 through 33-38-22]
- Chapter 39 - Collection, Use, and Disclosure of Information Gathered by Insurance Institutions [33-39-1 through 33-39-23]
- Chapter 40 - Risk Retention Groups [33-40-1 through 33-40-21]
- Chapter 41 - Captive Insurance Companies [33-41-1 through 33-41-106]
- Chapter 42 - Long-Term Care Insurance [33-42-1 through 33-42-7]
- Chapter 43 - Medicare Supplement Insurance [33-43-1 through 33-43-9]
- Chapter 44 - High Risk Health Insurance Plan [33-44-1 through 33-44-10.] [Repealed]
- Chapter 45 - Continuing Care Providers and Facilities [33-45-1 through 33-45-14]
- Chapter 46 - Certification of Private Review Agents [33-46-1 through 33-46-14]
- Chapter 47 - Managing General Agents [33-47-1 through 33-47-7]
- Chapter 48 - Producer Controlled Property and Casualty Insurers [33-48-1 through 33-48-4]
- Chapter 49 - Reinsurance Intermediaries [33-49-1 through 33-49-11]
- Chapter 50 - Multiple Employer Self-Insured Health Plans [33-50-1 through 33-50-14]
- Chapter 51 - Georgia Affordable Hsa Eligible High Deductible Health Plan [33-51-1 through 33-51-7]
- Chapter 52 - Assumption Reinsurance Agreements [33-52-1 through 33-52-6]
- Chapter 53 - Coverage for Certain Types of Anti-Cancer Drug Therapy [33-53-1 through 33-53-4]
- Chapter 54 - Genetic Testing [33-54-1 through 33-54-8]
- Chapter 55 - Reporting of Transactions by Insurers [33-55-1 through 33-55-3]
- Chapter 56 - Risk-Based Capital Levels [33-56-1 through 33-56-13]
- Chapter 57 - Consumers' Insurance Advocate [33-57-1 through 33-57-8.] [Repealed]
- Chapter 58 - Charitable Gift Annuities [33-58-1 through 33-58-6]
- Chapter 59 - Life Settlements [33-59-1 through 33-59-18]
- Chapter 59A - Interstate Insurance Product Regulation Compact [33-59A-1 through 33-59A-2]
- Chapter 60 - Small Business Employee Choice of Benefits Health Insurance Plan Act [33-60-1 through 33-60-6]
- Chapter 61 - Regulation of Automobile Clubs [33-61-1 through 33-61-2]
- Chapter 62 - Property and Casualty Actuarial Opinion Law [33-62-1 through 33-62-3]
- Chapter 63 - Guaranteed Asset Protection Waivers [33-63-1 through 33-63-9]
- Chapter 64 - Regulation and Licensure of Pharmacy Benefits Managers [33-64-1 through 33-64-13]
- Chapter 65 - Corporate Governance Annual Disclosure [33-65-1 through 33-65-11]
- Specific limitations on corporations, Ga. Const. 1983, Art. III, Sec. VI, Para. V and T. 14, C. 4.
Insurance regulation generally, Ga. Const. 1983, Art. III, Sec. VIII.
Requirement that banks obtain and maintain deposit insurance, § 7-1-244.
Credit Union Deposit Insurance Corporation, T. 7, C. 2.
Secretary of State, corporations, generally, T. 14, C. 4.
Purchase of liability insurance for school officials and employees, § 20-2-990 et seq.
Joint purchase of insurance and joint formation of self-insurance programs by boards of education, § 20-2-2001 et seq.
Nuclear facility liability insurance for schools under control of board of regents, § 20-3-71.
Liability insurance requirements for persons importing, transporting, or otherwise handling inherently dangerous wild animals, § 27-5-4.
Joint purchase of insurance and joint formation of self-insurance programs by municipalities and counties, T. 36, C. 85.
Public liability insurance requirements for operators of motor vehicle racetracks, § 43-25-4.
Purchase of liability insurance for public officers and employees generally, § 45-9-1 et seq.
State employees' insurance and benefit plans, T. 45, C. 18.
Editor's notes.- Former Code 1933, § 56-115, enacted by Ga. L. 1960, p. 289, § 1, provided that the Georgia Insurance Code would become effective on January 1, 1961, except as otherwise expressly provided.
Law reviews.- For article, "No-Fault Insurance for Injuries Arising from Medical Treatment: A Proposal for Elective Coverage," see 24 Emory L.J. 21 (1975). For article discussing developments in Georgia insurance law in 1976 to 1977, see 29 Mercer L. Rev. 157 (1977). For article surveying Georgia cases in the area of insurance from June 1977 through May 1978, see 30 Mercer L. Rev. 105 (1978). For annual survey on insurance, see 36 Mercer L. Rev. 217 (1984). For article surveying insurance law in 1984-1985, see 37 Mercer L. Rev. 275 (1985). For annual survey of insurance law, see 39 Mercer L. Rev. 241 (1987). For annual survey of insurance law, see 42 Mercer L. Rev. 259 (1990). For annual survey of insurance law, see 43 Mercer L. Rev. 285 (1991). For annual survey article on insurance law, see 45 Mercer Law Rev. 253 (1993). For annual survey article on insurance law, see 46 Mercer L. Rev. 261 (1994). For annual survey article on insurance law, see 49 Mercer L. Rev. 175 (1997). For annual survey article discussing developments in insurance law, see 51 Mercer L. Rev. 313 (1999). For annual survey article on insurance law, see 52 Mercer L. Rev. 303 (2000). For article, "When Do State Laws Determine ERISA Plan Benefit Rights," see 47 J. Marshall L. Rev. 145 (2014). For article, "Nondiscrimination in Insurance: The Next Chapter," see 49 Ga. L. Rev. 1 (2014). For article, "Public Officers and Employees: Employees' Insurance and Benefit Plans," see 31 Georgia St. U.L. Review 177 (2014). For annual survey on insurance law, see 68 Mercer L. Rev. 133 (2016). For article, "Price Transparency and Incomplete Contracts in Health Care," see 67 Emory L.J. 1 (2017). For annual survey on health care law, see 69 Mercer L. Rev. 1209 (2018). For note discussing the relationship of federal and state regulation of insurance, in light of In the Matter of American Hospital and Life Insurance Co., C.C.H. Trade Reg. Rep. /P25,954 (FTC, April 24, 1956), see 5 J. of Pub. L. 494 (1956). For note, "The Parity Cure: Solving Unequal Treatment of Mental Illness Health Insurance Through Federal Legislation," see 44 Ga. L. Rev. 511 (2010). For note, "When an Idea is More Than Just an Idea: Insurance Coverage of Business Method Patent Infringement Suits Under Advertising Injury Provisions of Commercial General Liability Policies," see 18 J. Intell. Prop. L. 631 (2011). For note, "Phishing for Computer Fraud Insurance Coverage," see 36 Ga. St. U.L. Rev. 407 (2020).
JUDICIAL DECISIONSIn 1960 the Insurance Code became, by law, a part of every policy thereafter issued in the state. Chicago Ins. Co. v. Camors, 296 F. Supp. 1335 (N.D. Ga. 1969), aff'd, 420 F.2d 376 (5th Cir. 1970).
Title not retroactive.- Insurance Code, enacted by Ga. L. 1960, p. 289, was not intended to and could not have had any retroactive effect. Chatham County Hosp. Auth. v. John Hancock Mut. Life Ins. Co., 325 F. Supp. 614 (S.D. Ga. 1971).
All aspects of insurance industry regulated.
- Insurance Code extensively and exhaustively regulates, at the state level, all aspects of the insurance industry in Georgia. Cotton States Mut. Ins. Co. v. DeKalb County, 251 Ga. 309, 304 S.E.2d 386 (1983).
Scope of Commissioner's investigative powers.
- Investigative powers of the Insurance Commissioner under the Insurance Code are not restricted only to those instances in which a hearing is pending. Southeastern Adjusters, Inc. v. Caldwell, 229 Ga. 4, 189 S.E.2d 76 (1972).
Cited in Scott v. State Grand Lodge No. 1, 110 Ga. App. 762, 140 S.E.2d 86 (1964); Miller v. National Fid. Life Ins. Co., 588 F.2d 185 (5th Cir. 1979).
OPINIONS OF THE ATTORNEY GENERALEmployee of an industrial loan licensee may conduct the business of insurance provided that that person is duly licensed as an insurance agent and provided that the customer is not misled into thinking that the customer's ability to procure a loan is contingent upon an agreement to purchase this insurance or otherwise to transact business in the industrial loan office. 1984 Op. Att'y Gen. No. U84-54.
RESEARCH REFERENCES
Am. Jur. 2d.
- 43 Am. Jur. 2d, Insurance, § 1 et seq.
ALR.- Misrepresentation by one other than insurance agent as to coverage, exclusion, or legal effect of insurance policy, as actionable, 29 A.L.R.2d 213.
Liability insurer's waiver of right, or estoppel, to set up breach of cooperation clause, 30 A.L.R.4th 620; 65 A.L.R.5th 272.
Acts in self-defense as within provision of liability insurance policy expressly excluding coverage for damage or injury intended or expected by insured, 34 A.L.R.4th 761.
Liability of insurer or agent of insurer for failure to advise insured as to coverage needs, 88 A.L.R.4th 249.
Validity and operation of "step-down" provision of automobile liability policy reducing coverage for permissive users, 29 A.L.R.5th 469.
Construction and application of preemption exemption, under Employee Retirement Income Security Act (29 USC § 1001 et seq.), for state laws regulating insurance, banking, or securities (29 USC § 1144(b)(2)), 87 A.L.R. Fed. 797.
Exemption or immunity from federal antitrust liability under McCar- ran-Ferguson Act (15 USCS §§ 1011-1013) and state action and Noerr-Pennington Doctrines for business of insurance and persons engaged in it, 116 A.L.R. Fed. 163.
