2021 Georgia Code
Title 33 - Insurance
Chapter 24 - Insurance Generally
Article 1 - General Provisions
§ 33-24-19. Incorporation of Constituent Documents in Policies

No policy shall contain any provisions purporting to make any portion of the charter, bylaws, or other constituent document of the insurer a part of the contract unless the portion is set forth in full in the policy. Any policy provision in violation of this Code section shall be invalid. This Code section shall not apply to the subscriber's agreement or power of attorney of a reciprocal insurer.

(Code 1933, § 56-2415, enacted by Ga. L. 1960, p. 289, § 1.)

- Including or attaching constitution or bylaws of insurer issuing life insurance policy, § 33-25-2.

Including or attaching constitution or bylaws of insurer issuing policy of accident and sickness insurance, § 33-29-2(a)(7).

JUDICIAL DECISIONS

Editor's notes.

- In light of the similarity of the statutory provisions, decisions under former Ga. L. 1906, p. 107, are included in the annotations for this Code section.

- Former Ga. L. 1906, p. 107 (see O.C.G.A. § 33-24-19) is not applicable when an action is brought by one or more policyholders to establish the liability of other policyholders to pay assessments, and to compel the policyholders to contribute to the payment of losses sustained by the complainants. Alma Gin & Milling Co. v. Peeples, 145 Ga. 722, 89 S.E. 820 (1916) (decided under former Ga. L. 1906, p. 107).

RESEARCH REFERENCES

Am. Jur. 2d.

- 43 Am. Jur. 2d, Insurance, § 196 et seq.

- 44 C.J.S., Insurance, § 486 et seq.

- Liability in respect of premium where policy is rejected by applicant or prospect, 41 A.L.R. 644.

Right of insured or beneficiary to enforce a policy provision more favorable to him than the standard policy; or to have policy reformed so as to include such a provision, 113 A.L.R. 773.

Validity of option provisions in life insurance policy which vary from (or add to, or exclude) statutory provisions, 115 A.L.R. 1389.