reglab/housing_qa huggingface dataset:
GA Code § 33-9-30 (2021)
2021 Georgia Code|Title 33 - Insurance|Chapter 9 - Regulation of Rates, Underwriting Rules, and Related Organizations|§ 33-9-30. Suspension or Revocation of License or Certificate of Authority for Failure to Comply With Order of Commissioner

 In addition to other penalties provided in this title, the Commissioner, by order pursuant to Code Section 33-9-29, may suspend or revoke, in whole or in part, the license of any rating organization or the certificate of authority of any insurer with respect to the class or classes of insurance specified in such order if such entity fails to comply within the time limited by such order or any extension thereof that the Commissioner may grant.   (Code 1933, § 56-531, enacted by Ga. L. 1967, p. 684, § 1; Ga. L. 2019, p. 337, § 1-51/SB 132.)    The 2019 amendment,  effective July 1, 2019, inserted ", by order pursuant to Code Section 33-9-29," near the beginning, substituted "if such entity fails" for "which fails" in the middle, and substituted "that the Commissioner" for "which the Commissioner" and deleted "with an order of the Commissioner lawfully made by him pursuant to Code Section 33-9-29" following "may grant" at the end of this Code section.   RESEARCH REFERENCES   Am. Jur. 2d.   - 43 Am. Jur. 2d, Insurance, § 20 et seq.   C.J.S.   - 44 C.J.S., Insurance, § 79.
GA Code § 33-9-31 (2021)
2021 Georgia Code|Title 33 - Insurance|Chapter 9 - Regulation of Rates, Underwriting Rules, and Related Organizations|§ 33-9-31. Manner of Conduct of Proceedings in Connection With Denial, Suspension, or Revocation of License or Certificate of Authority

 Except as otherwise provided in this chapter, all proceedings in connection with the denial, suspension, or revocation of a license or certificate of authority under this chapter shall be conducted in accordance with Chapter 2 of this title; and the Commissioner shall have all the powers granted to him in Chapter 2 of this title.   (Code 1933, § 56-532, enacted by Ga. L. 1967, p. 684, § 1.)   RESEARCH REFERENCES   Am. Jur. 2d.   - 43 Am. Jur. 2d, Insurance, §§ 42, 43.   C.J.S.   - 44 C.J.S., Insurance, §§ 63 et seq, 79.
GA Code § 33-9-32 (2021)
2021 Georgia Code|Title 33 - Insurance|Chapter 9 - Regulation of Rates, Underwriting Rules, and Related Organizations|§ 33-9-32. Validity of Contracts to Use Rates in Excess Of, or Lower Than, Generally Applicable Rates

 Nothing contained in this chapter shall be deemed to prohibit an insurer and its insured from contracting to use a rate on a specific risk or risks which is in excess of or lower than that otherwise applicable, provided that the contract and rate deviation by consenting parties have been filed with the Commissioner prior to the use of the rate in accordance with the procedures, conditions, and limitations as may be established by the Commissioner; and provided, further, that, if the resulting premium exceeds $1,000.00, a binder of coverage may be issued and the contract and rate deviation shall be filed within 20 days after the issuance of the binder. Such contract and rate deviation shall be subject to challenge by the Commissioner for a period of ten days after filing. If such challenge is upheld, the insurer shall be required to use its regular filed rates for the first 30 days of coverage in accordance with the requirements of applicable law. If there is no challenge or if a challenge is not upheld, the contract and rate deviation agreed upon may be used from and after the effective date of the binder.   (Code 1933, § 56-522.2, enacted by Ga. L. 1976, p. 691, § 1; Ga. L. 1985, p. 994, § 1.)
GA Code § 33-9-33 (2021)
2021 Georgia Code|Title 33 - Insurance|Chapter 9 - Regulation of Rates, Underwriting Rules, and Related Organizations|§ 33-9-33. Payment of Dividends, Savings, or Unabsorbed Premium Deposits by Insurers

 Nothing in this chapter shall be construed to prohibit or regulate the payment of dividends, savings, or unabsorbed premium deposits allowed or returned by insurers to their policyholders, members, or subscribers. A plan for the payment of dividends, savings, or unabsorbed premium deposits allowed or returned by insurers to their policyholders, members, or subscribers shall not be deemed a rating plan or system.   (Code 1933, § 56-537, enacted by Ga. L. 1967, p. 684, § 1.)   RESEARCH REFERENCES   Am. Jur. 2d.   - 43 Am. Jur. 2d, Insurance, § 79 et seq.   C.J.S.   - 44 C.J.S., Insurance, §§ 180, 196 et seq.   ALR.    - Apportionment of divisible surplus of insurance company between different policies, 108 A.L.R. 1212.    Dividends on policies as violation of statutory prohibition of rebate, remission, refund, or other discrimination in respect of premiums, 137 A.L.R. 1029.
GA Code § 33-9-34 (2021)
2021 Georgia Code|Title 33 - Insurance|Chapter 9 - Regulation of Rates, Underwriting Rules, and Related Organizations|§ 33-9-34. Acts Done, Actions Taken, or Agreements Made Pursuant to Chapter Not to Constitute Violation Under Other Laws

 No act done, action taken, or agreement made pursuant to the authority conferred by this chapter shall constitute a violation of or grounds for prosecution or civil proceedings under any other law of this state which does not specifically refer to insurance.   (Code 1933, § 56-538, enacted by Ga. L. 1967, p. 684, § 1.)
GA Code § 33-9-35 (2021)
2021 Georgia Code|Title 33 - Insurance|Chapter 9 - Regulation of Rates, Underwriting Rules, and Related Organizations|§ 33-9-35. Withholding of Information; False or Misleading Information

 No person, insurer, or organization shall willfully withhold information from, or knowingly give false or misleading information to, the Commissioner or to any rating organization, advisory organization, insurer, or group, association, or other organization of insurers which will affect the rates, rating systems, or premiums for the classes of insurance to which this chapter is applicable.   (Code 1933, § 56-534, enacted by Ga. L. 1967, p. 684, § 1.)
GA Code § 33-9-37 (2021)
2021 Georgia Code|Title 33 - Insurance|Chapter 9 - Regulation of Rates, Underwriting Rules, and Related Organizations|§ 33-9-37. Liability of Insurer Conspiring to Fix Insurance Rates Unauthorized by Chapter

 In the event any insurer shall in collusion with any other insurer conspire to fix, set, or adhere to insurance rates, except as expressly sanctioned by this chapter, the insurer shall be liable to any person damaged thereby for an amount equal to three times the amount of the damage together with the damaged party's attorney's fees.   (Code 1933, § 56-539, enacted by Ga. L. 1967, p. 684, § 1.)   RESEARCH REFERENCES   ALR.    - Validity of statutory provision for attorneys' fees, 90 A.L.R. 530.    What persons or corporations, contracts or policies, are within statutory provisions allowing recovery of attorneys' fees or penalty against insurance companies or against companies dealing in specified kinds of insurance, 126 A.L.R. 1439.   When does statute of limitations begin to run against civil action or criminal prosecution for conspiracy, 62 A.L.R.2d 1369.   What constitutes "trial," "final trial," or "final hearing" under statute authorizing allowance of attorneys' fees as costs on such proceeding, 100 A.L.R.2d 397.   Validity of statute allowing attorneys' fee to successful claimant but not to defendant, or vice-versa, 73 A.L.R.3d 515.
GA Code § 33-9-38 (2021)
2021 Georgia Code|Title 33 - Insurance|Chapter 9 - Regulation of Rates, Underwriting Rules, and Related Organizations|§ 33-9-38. Penalty for Failure to Comply With Final Order of Commissioner; Penalty for Willful Violation of Provision of Chapter

  Any person, insurer, organization, group, or association who fails to comply with a final order of the Commissioner under this chapter shall be liable to the state in an amount not exceeding $50.00; but, if such failure is willful, the person, insurer, organization, group, or association shall be liable to the state in an amount not exceeding $5,000.00. The Commissioner shall collect the amount so payable and may bring an action in the name of the people of the State of Georgia to enforce collection. Such penalties may be in addition to any other penalties provided by law.   Any person who willfully violates this chapter shall be guilty of a misdemeanor.    (Code 1933, § 56-536, enacted by Ga. L. 1967, p. 684, § 1; Ga. L. 1982, p. 3, § 33; Ga. L. 1992, p. 6, § 33.)   Cross references.   - Punishment for misdemeanors generally, § 17-10-3.   JUDICIAL DECISIONS    Cited in Allstate Ins. Co. v. Bentley, 122 Ga. App. 738, 178 S.E.2d 700 (1970).   RESEARCH REFERENCES   ALR.   - Recovery of cumulative statutory penalties, 71 A.L.R.2d 986.
GA Code § 33-9-39 (2021)
2021 Georgia Code|Title 33 - Insurance|Chapter 9 - Regulation of Rates, Underwriting Rules, and Related Organizations|§ 33-9-39. Restrictions on Motor Vehicle Insurance Surcharges Relating to Accidents Involving Law Enforcement Officers, Firefighters, or Emergency Medical Technicians

 No insurer shall surcharge the premium or rate charged on a policy of motor vehicle insurance that provides coverage for the personal motor vehicles of any law enforcement officer, firefighter, or emergency medical technician in this state for any accident:    That occurred while the law enforcement officer, firefighter, or emergency medical technician was lawfully engaged in the performance of official duties; and   For which the law enforcement officer, firefighter, or emergency medical technician furnishes proof, in the form of copies of the accident report, 9-1-1 emergency dispatch log, or the employing agency's documents, to the insurer of the condition provided in paragraph (1) of this Code section.     (Code 1981, §33-9-39, enacted by Ga. L. 1986, p. 1184, § 1; Ga. L. 1987, p. 3, § 33; Ga. L. 1988, p. 13, § 33; Ga. L. 1993, p. 542, § 1; Ga. L. 2004, p. 579, § 1; Ga. L. 2005, p. 660, § 5/HB 470.)
GA Code § 33-9-40 (2021)
2021 Georgia Code|Title 33 - Insurance|Chapter 9 - Regulation of Rates, Underwriting Rules, and Related Organizations|§ 33-9-40. Prohibition of Motor Vehicle Insurance Surcharges Relating to Accidents in Which Insured Not at Fault

 No insurer shall surcharge the premium or rate charged on a policy of motor vehicle insurance or cancel such policy as a result of the insured person's involvement in a multivehicle accident when such person was not at fault in such accident.    (Code 1981, §33-9-40, enacted by Ga. L. 1986, p. 1184, § 1; Ga. L. 1987, p. 3, § 33.)
GA Code § 33-9-41 (2021)
2021 Georgia Code|Title 33 - Insurance|Chapter 9 - Regulation of Rates, Underwriting Rules, and Related Organizations|§ 33-9-41. Study of Effect of 1987 Legislation on Loss Experience; Cooperation of Insurers; Report to General Assembly

 Reserved. Repealed by Ga. L. 2001, p. 4, § 33, effective February 12, 2001.   Editor's notes.   - This Code section was based on Code 1981, § 33-9-41, enacted by Ga. L. 1987, p. 870, § 4.
GA Code § 33-9-44 (2021)
2021 Georgia Code|Title 33 - Insurance|Chapter 9 - Regulation of Rates, Underwriting Rules, and Related Organizations|§ 33-9-44. Legislative Intent

 It is specifically intended that the discounts provided in Code Sections 33-9-42 and 33-9-43 shall be provided by the insurer to any person who qualifies for such discounts.    (Code 1981, §33-9-44, enacted by Ga. L. 1991, p. 1608, § 1.7; Ga. L. 2019, p. 337, § 1-55/SB 132.)    The 2019 amendment,  effective July 1, 2019, deleted the former last sentence, which read: "It is further intended that any similar discounts granted to qualified persons under Chapter 34 of this title as such chapter existed on September 30, 1991, shall not be discontinued nor duplicated by the enactment of Code Sections 33-9-42 and 33-9-43 for policies in effect on September 30, 1991."   Editor's notes.   - Ga. L. 1991, p. 1608, § 3.2, effective April 17, 1991, not codified by the General Assembly, provides: "(a) Each insurer shall file its proposed forms, manuals, underwriting rules, rates, and rating plans for coverages under motor vehicle insurance policies to be issued, issued for delivery, delivered, or renewed on and after October 1, 1991, with the Commissioner of Insurance for such examination and approval as is required by law. The Commissioner shall not approve such filings unless such filings contain optional medical payments coverage. Rates and rating plans for motor vehicle insurance coverages filed pursuant to this subsection shall reflect a reduction of the rates or rating plans for such coverages on file with the Commissioner as of January 28, 1991, of not less than 15 percent, as compared to rates in effect for coverages required to be offered by the former 'Georgia Motor Vehicle Accident Reparations Act,' with the exception of physical damage coverages, as specified in paragraph (3) of subsection (a) of former Code Section 33-34-5 and third-party property damage coverages. On October 1, 1991, the Commissioner shall reduce by 15 percent or such higher amount as he determines appropriate, after notice and hearing as required by law, any rate or rating plan for such coverages under motor vehicle insurance policies for which no filing has been received.   "(b) Any insurer aggrieved by the rate filing required pursuant to subsection (a) of this section may petition the Commissioner for a hearing to grant relief from the rate filing as the result of extraordinary circumstances. The insurer shall have the burden of proof to establish the extraordinary circumstances which justify relief. A hearing conducted pursuant to this subsection shall be conducted in accordance with the provisions of Chapter 2 of Title 33. Upon conclusion of any hearing conducted pursuant to this subsection, the Commissioner shall enter an order specifying the rates to be used by the insurer and shall indicate in his order all factors entering into a decision to relieve the insurer from full compliance with the provisions of subsection (a) of this section."
GA Code § 33-10-2 (2021)
2021 Georgia Code|Title 33 - Insurance|Chapter 10 - Assets and Liabilities|§ 33-10-2. Excluded Assets

 In addition to assets impliedly excluded by Code Section 33-10-1, the following expressly shall not be allowed as assets in any determination of the financial condition of an insurer:    Trade names and other similar intangible assets;   Advances to officers other than policy loans whether secured or not and advances other than policy loans to employees, agents, and other persons on personal security only;   Stock of such insurer, owned by such insurer, or any equity in such stock or loans secured by such stock or any proportionate interest in such stock acquired or held through the ownership by such insurer of a controlling interest in another firm, corporation, or business unit;   Furniture, fixtures, furnishings, safes, vehicles, libraries, stationery, literature, and supplies other than data processing and accounting system authorized under paragraph (3) of Code Section 33-10-1, except, in the case of title insurers, such materials and plants as the insurer is expressly authorized to invest in under Code Section 33-11-27 and except, in the case of any insurer, such personal property as the insurer is permitted to hold pursuant to Chapter 11 of this title or which is reasonably necessary for the maintenance and operation of real estate lawfully acquired and held by the insurer other than real estate used by such insurer for home office, branch office, or similar purposes; and   The amount, if any, by which the aggregate book value of investments as carried in the ledger assets of the insurer exceeds the aggregate value of the investments as determined under this chapter.    (Code 1933, § 56-903, enacted by Ga. L. 1960, p. 289, § 1; Ga. L. 1988, p. 1540, § 1; Ga. L. 2019, p. 337, § 1-56/SB 132; Ga. L. 2019, p. 869, § 2/HB 277.)    The 2019 amendments.  The first 2019 amendment, effective July 1, 2019, substituted "such insurer" for "him" near the beginning of paragraph (3) and near the end of paragraph (4). The second 2019 amendment, effective July 1, 2019, substituted the present provisions of paragraph (1) for the former provisions, which read: "Good will, trade names, and other similar intangible assets, except that good will may be allowed as an asset under such limitations as are imposed by rule of the Commissioner;".
GA Code § 33-10-3 (2021)
2021 Georgia Code|Title 33 - Insurance|Chapter 10 - Assets and Liabilities|§ 33-10-3. Deduction of Assets From Liabilities and Liabilities From Assets Generally

 Assets may be allowable as deductions from corresponding liabilities, and liabilities may be charged as deductions from assets, in accordance with the form of annual statement applicable to such insurer as directed by the Commissioner or otherwise in his or her discretion.   (Code 1933, § 56-902, enacted by Ga. L. 1960, p. 289, § 1; Ga. L. 2019, p. 337, § 1-57/SB 132.)    The 2019 amendment,  effective July 1, 2019, substituted "as directed" for "as prescribed" and inserted "or her" near the end of this Code section.
GA Code § 33-10-4 (2021)
2021 Georgia Code|Title 33 - Insurance|Chapter 10 - Assets and Liabilities|§ 33-10-4. Reporting of Unallowed Assets and Assets of Doubtful Value or Character as Deduction From Gross Assets

 All assets not allowed and all other assets of doubtful value or character included as assets in any statement by an insurer to the Commissioner or in any examiner's report to said Commissioner shall also be reported, to the extent of the value disallowed, as deductions from the gross assets of such insurer.   (Code 1933, § 56-904, enacted by Ga. L. 1960, p. 289, § 1.)   OPINIONS OF THE ATTORNEY GENERAL   Treasury stock cannot be considered in determining condition.   - A Georgia insurance company may acquire by purchase shares of its own capital stock out of its earned surplus over and above its liabilities and hold the shares as treasury stock, provided such purchases do not reduce the amount of outstanding stock below the statutory minimum and the minimum set forth in its charter and bylaws; such shares cannot be voted and cannot participate in dividends or distribution, and such shares cannot be considered as an admitted asset in any determination of the financial condition of the company, nor shall such shares be counted as outstanding shares of capital stock for the purpose of any stockholder's quorum or vote. 1962 Op. Att'y Gen. p. 292.
GA Code § 33-10-5 (2021)
2021 Georgia Code|Title 33 - Insurance|Chapter 10 - Assets and Liabilities|§ 33-10-5. Capital Stock and Liabilities Charged Against Assets

 In any determination of the financial condition of an insurer, capital stock and liabilities to be charged against its assets shall include:    The amount of its capital stock outstanding, if any;   The amount, estimated consistent with this title, necessary to pay all of its unpaid losses and claims incurred on or prior to the date of statement, whether reported or unreported, together with the expenses of adjustment or settlement thereof;   With reference to life and disability insurance and annuity contracts:   The amount of reserves on life insurance policies and annuity contracts in force, valued according to the tables of mortality, rates of interest, and methods adopted pursuant to this title which are applicable thereto;   Reserves for disability benefits for both active and disabled lives;   Reserves for accidental death benefits; and   Any additional reserves which may be required by the Commissioner consistent with practice formulated or approved by him on account of such insurance;     With reference to insurance other than that specified in paragraph (3) of this Code section and other than title insurance, the amount of reserves equal to the unearned portions of the gross premiums charged on policies in force, computed in accordance with this chapter; and   Taxes, expenses, and other obligations due or accrued at the date of the statement.    (Code 1933, § 56-905, enacted by Ga. L. 1960, p. 289, § 1.)
GA Code § 33-10-6 (2021)
2021 Georgia Code|Title 33 - Insurance|Chapter 10 - Assets and Liabilities|§ 33-10-6. Unearned Premium Reserve Required for Property, General Casualty, and Surety Insurance Generally

  With reference to insurance against loss or damage to property, except as provided in Code Section 33-10-7, and with reference to all general casualty insurance and surety insurance, every insurer shall maintain an unearned premium reserve on all policies in force.   The Commissioner may require that such reserves shall be equal to the unearned portions of the gross premiums in force after deducting reinsurance in solvent insurers as computed on each respective risk from the policy's date of issue. If the Commissioner does not so require, the portions of the gross premium in force, less reinsurance in solvent insurers to be held as a premium reserve, shall be computed according to the following table:   Unearned premium reserves on policies written for an intermediate period shall be calculated on a monthly pro rata basis.   In lieu of computation according to the foregoing table, all of such reserves may be computed, at the option of the insurer, on a monthly or more frequent pro rata basis.   After adopting a method for computing such reserve, a domestic insurer shall not change methods without approval of the Commissioner, and a foreign or alien insurer shall not change methods without approval of the insurance supervisory official of the state of its domicile.   This Code section does not apply to title insurance.    Term for Which Policy Reserve for Unearned Was Written Premium --------------------- -------------------- 1 year or less 1/2 2 years First year 3/4 Second year 1/4 3 years First year 5/6 Second year 1/2 Third year 1/6 4 years First year 7/8 Second year 5/8 Third year 3/8 Fourth year 1/8 5 years First year 9/10 Second year 7/10 Third year 1/2 Fourth year 3/10 Fifth year 1/10 Over 5 years Pro rata   (Code 1933, § 56-906, enacted by Ga. L. 1960, p. 289, § 1.)   Cross references.   - Definition of casualty insurance, § 33-7-3.    Definition of property insurance, § 33-7-6.    Definition of surety insurance, § 33-7-7.   JUDICIAL DECISIONS    Cited in  Consumer Life Ins. Co. v. United States, 524 F.2d 1167 (Ct. Cl. 1975).
GA Code § 33-10-7 (2021)
2021 Georgia Code|Title 33 - Insurance|Chapter 10 - Assets and Liabilities|§ 33-10-7. Marine Insurance, Required Reserves

 With reference to marine insurance, premiums on trip risks not terminated shall be deemed unearned, and the Commissioner may require the insurer to carry a reserve thereon equal to 100 percent on trip risks written during the month ended as of the date of statement.   (Code 1933, § 56-907, enacted by Ga. L. 1960, p. 289, § 1.)   Cross references.   - Definition of marine and transportation insurance, § 33-7-5.
GA Code § 33-10-8 (2021)
2021 Georgia Code|Title 33 - Insurance|Chapter 10 - Assets and Liabilities|§ 33-10-8. Accident and Sickness Insurance, Required Reserves

 For all accident and sickness insurance policies the insurer shall maintain an active life reserve which shall place a sound value on its liabilities under such policies and which shall not be less in the aggregate than the reserve according to such method of calculation as the Commissioner may approve.   (Code 1933, § 56-908, enacted by Ga. L. 1960, p. 289, § 1; Ga. L. 1980, p. 1108, § 3; Ga. L. 1985, p. 1087, § 2.)   Cross references.   - Definition of accident and sickness insurance, § 33-7-2.   Law reviews.   - For note, "Misrepresentations and Nondisclosures in the Insurance Application," see 13 Ga. L. Rev. 876 (1979).   RESEARCH REFERENCES   Am. Jur. 2d.   - 43 Am. Jur. 2d, Insurance, § 36.   C.J.S.   - 46A C.J.S., Insurance, § 1789 et seq.
GA Code § 33-10-9 (2021)
2021 Georgia Code|Title 33 - Insurance|Chapter 10 - Assets and Liabilities|§ 33-10-9. Employers' Liability and Workers' Compensation Insurance, Required Reserves

 Reserved. Repealed by Ga. L. 2005, p. 655, § 1, effective May 2, 2005.   Editor's notes.   - This Code section was based on Code 1933, § 56-909, enacted by Ga. L. 1960, p. 289, § 1; Ga. L. 1982, p. 3, § 33.