Source: http://www.tdi.texas.gov/pubs/pc/pccpfme3.html
Timestamp: 2017-11-21 10:16:17
Document Index: 718434307

Matched Legal Cases: ['art 3', 'art 3', '§5', '§1', '§521', '§521', '§521', '§1952', '§1952', '§1952', '§551', '§551', '§551', '§542', '§542', '§2301', '§1952', '§551', '§551', '§542', '§1', '§461', '§461']

Property/Casualty Filings Made Easy Guide - Part 3 of 9
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November 2011 Edition, Continued Part 3 of 9
Chapter 2301 and Chapter 2251
28 TAC §5.9320
COMMERCIAL AUTOMOBILE | Type of Filing - Type of Law
Policy Forms and Endorsements - Prior Approval
Manual Rules - File and Use
ARTICLE/SECTION - REQUIREMENTS
28 TAC §1.601 - Notice of Toll-Free Telephone Numbers and Information and Complaint Procedures
§521.005 - Notice to Accompany Policy
§§521.051 - 521.056 - Department Toll-Free Number For Information and Complaints
§§521.101 - 521.103 - Insurer Toll-Free Number for Information and Complaints
§§1952.101 - 1952.110 - Uninsured or Underinsured Motorist Coverage
§§1952.151 - 1952.161 - Personal Injury Protection Coverage
§1952.057 - Prohibited Provision: Payment on Conviction for Drug Offense
21.42 - Texas Laws Govern Policies
§§551.051 - 551.055 and §551.004 - Cancellation and Nonrenewal of Certain Liability Insurance Policies
§§551.151 - 551.152 - Cancellation or Nonrenewal of Certain Policies Issued to Elected Officials
§§542.051 - 542.061 - Prompt Payment of Claims
§§542.151 - 542.154 - Notice of Settlement of Claim Under Casualty Insurance Policy
Note: For "large risks" refer to §2301.004.
Automobile - Commercial Overview of Filing Requirements
TYPE OF FILING || Commercial Automobile - Policy Forms and Endorsements
OVERVIEW || Prior Approval
Filing must be submitted to the Texas Department of Insurance at least 60 days before the effective date of filing.
Filing is deemed approved if not disapproved within 60 days.
Commissioner may extend the period to approve or disapprove the filing an additional 10 days by giving filer notice.
Forms are available for use on the date approved by the Texas Department of Insurance. The commissioner's approval of a filed form constitutes a waiver of any unexpired portion of the 60-day period.
FILING REQUIREMENTS || An original & 2 copies of the following:
Property/Casualty Filing Transmittal Form (Link to Adobe Reader)
Filing (Policy Forms and/or Endorsements)
New Forms and Endorsements only*
Amended/Revised Forms and Endorsements only
TYPE OF FILING || Commercial Automobile - Manual Rules
OVERVIEW || File and Use
Rules are available for use on the date received by the Texas Department of Insurance.
Filing (Manual Rules)
* If the Explanatory Memorandum does not fully explain or describe the filed policy form(s) or
endorsement(s), the department may request either a Coverage Comparison or Summary of Policy Provisions.
Automobile - Commercial Explanation of Filing Requirements
TYPE OF FILING || Commercial Automobile
REQUIREMENT || EXPLANATION
Coverage Comparison - A coverage comparison to a similar policy form or endorsement that has been previously approved or adopted by the commissioner shall include a detailed explanation of all the differences including any restrictions in coverage, enhancements in coverage, or clarifications to the previously approved policy form(s) or endorsement(s).
Coverage Evaluation - A coverage evaluation shall include a detailed explanation of the proposed changes including any restrictions in coverage, enhancements in coverage, or clarifications to the previously approved or adopted policy form(s) or endorsement(s). These additional requirements may be provided in the Explanatory Memorandum or by providing:
a side-by-side comparison showing any differences between the previously approved or adopted policy form(s) or endorsement(s) and the proposed policy form(s) or endorsement(s); or
a copy of the previously approved or adopted policy form(s) or endorsement(s) indicating the differences between the approved or adopted policy form(s) or endorsement(s) and the filed policy form(s) or endorsement(s) with the new language underlined and the deleted language in brackets with a strikethrough, or other clearly identified or highlighted editorial notations referencing the new and replaced language.
Explanatory Memorandum - An explanatory memorandum shall include a detailed explanation of the reason(s) for filing the new or revised policy form(s), endorsement(s) and/or manual rule(s), a description of the policy form(s) or endorsement(s), and the application (e.g., the type of risk or risks the form(s) or endorsement(s) will be used with).
Statutory and Regulatory Requirements - Filings for new and amended policy form(s) and/or endorsement(s) shall include all provisions required by statute, administrative rule, or Commissioner's Order for a specific line of insurance. Such requirements may be included in the actual policy form(s), may be added by Texas amendatory endorsement or filing may reference an approved amendatory endorsement that is applicable to the policy form(s) contained in the filing.
Summary of Policy Provisions - A summary of all policy provisions shall include a detailed description and explanation of the coverages, limitations, exclusions and conditions.
PERSONAL AUTOMOBILE | Type of Filing - Type of Law
§1952.056 - Required Provision: Coverage for Certain Spouses
§§551.101 - 551.112 - Declination, Cancellation and Nonrenewal of Certain Property and Casualty Policies
Automobile - Personal Overview of Filing Requirements
TYPE OF FILING || Personal Automobile - Policy Forms and Endorsements
TYPE OF FILING || Personal Automobile - Manual Rules
* If the Explanatory Memorandum does not fully explain or describe the filed policy form(s) or endorsement(s), the department may request either a Coverage Comparison or Summary of Policy Provisions.
Automobile - Personal Explanation of Filing Requirements
TYPE OF FILING || Personal Automobile
Flesch Scoring - Filings must include the Flesch Score indicating the filed policy forms and endorsements meet the minimum readability standards established by the Commissioner of Insurance by order. Policy forms and endorsements that fail to meet a minimum Flesch Score of "40" cannot be approved. Each endorsement must be scored independent of the policy.
Crime, Commercial Glass, Credit, Credit Involuntary Unemployment, Involuntary Unemployment, GAP-Single Interest (Commercial), GAP-Dual Interest (Personal), Other Casualty, Fidelity, Surety (other than Criminal Court Appearance Bonds), and Financial Guaranty Bonds or Insurance || Type of Filing - Type of Law
TYPE OF FILING - ARTICLE/SECTION - REQUIREMENTS
Crime and Commercial Glass - Policy Forms and Endorsements
§§551.101 - 551.112 - Declination, Cancellation and Nonrenewal of Certain Property and Casualty Policies (Policies insuring governmental units, one family dwellings or duplexes)
§§542.151 - 542.154 - Notice of Settlement of Claim Under Casualty Insurance Policy (Applicable to Crime forms that include Third Party Liability
Credit, Credit Involuntary Unemployment, Involuntary Unemployment, GAP (Personal & Commercial) and Other Casualty - Policy Forms and Endorsements
28 TAC §1.1001* - Disclosure of Guaranty Fund Nonparticipation
§§461.001 - 461.003 - Disclosure of Guaranty Fund Nonparticipation in Insurance Policies, Contracts, and Applications and in Certificates and Evidences of Coverage
Fidelity, Surety (other than Criminal Court Appearance Bonds), and Financial Guaranty Bonds or Insurance - Policy Forms and Endorsements
Chapter 462 - Property and Casualty Insurance Guaranty Act not applicable
§§461.001 - 461.003 - Disclosure of Guaranty Fund Nonparticipation not required
* Does not apply to Involuntary Unemployment (non-credit).
Bond, Crime, Commercial Glass, Credit & Other Casualty Overview of Filing Requirements
TYPE OF FILING || Crime, Commercial Glass, Credit, Credit Involuntary Unemployment, Involuntary Unemployment, GAP-Single Interest (Commercial), GAP-Dual Interest (Personal), Other Casualty, Fidelity, Surety (other than Criminal Court Appearance Bonds), and Financial Guaranty Bonds or Insurance - Policy Forms and Endorsements
Filing must be submitted to the Texas Department of Insurance at least 60 days before the effective date of the filing.
TYPE OF FILING || Crime, Commercial Glass, Credit, Credit Involuntary Unemployment, Involuntary Unemployment, GAP-Single Interest (Commercial), GAP-Dual Interest (Personal), Other Casualty, Fidelity, Surety (other than Criminal Court Appearance Bonds), and Financial Guaranty Bonds or Insurance - Manual Rules
Bond, Crime, Commercial Glass, Credit & Other Casualty Explanation of Filing Requirements
TYPE OF FILING || Crime, Commercial Glass, Credit, Credit Involuntary Unemployment, Involuntary Unemployment, GAP-Single Interest (Commercial), GAP-Dual Interest (Personal), Other Casualty, Fidelity, Surety (other than Criminal Court Appearance Bonds), and Financial Guaranty Bonds or Insurance
Continue with Section 1 - Form & Rule Filings - General Liability