reglab/housing_qa huggingface dataset:
GA Code § 33-30B-2 (2021)
2021 Georgia Code|Title 33 - Insurance|Chapter 30B - Spending Account and Consumer Driven Health Plan Advancement|§ 33-30B-2. Purpose

 The purposes of this chapter are to provide enabling provisions for spending accounts and consumer driven health plans, provide statutory authorization for the establishment of such plans, and facilitate the advancement of such plans as a response to escalating costs of health care plans in this state. This chapter shall be construed and interpreted liberally to effectuate these purposes in as broad a manner as possible.    (Code 1981, §33-30B-2, enacted by Ga. L. 2003, p. 912, § 1.)
GA Code § 33-30B-3 (2021)
2021 Georgia Code|Title 33 - Insurance|Chapter 30B - Spending Account and Consumer Driven Health Plan Advancement|§ 33-30B-3. Definitions

 As used in this chapter, the term:    "Consumer driven health plan" means a plan for the provision or reimbursement of health care services that makes available to enrolled individuals information on health, health care, the pricing of health care, and the pricing of health care services by particular providers. Such plan may, but is not required to, include a spending account feature and may either rely upon indemnity reimbursements for services or contracted amounts for health care services from providers.   "Plan" means an agreement between an individual and a plan sponsor or a declaration by an individual which defines services and benefit levels for which reimbursements will be made.   "Plan sponsor" means the group or individual entering into a contract with an insurer under which the insurer provides reimbursement to the plan for expenditures or obligations incurred for the provision of health care services over and above a certain attachment point.   "Spending account" includes, but is not limited to, medical spending accounts, health reimbursement arrangements, pre-tax benefit spending accounts, and other forms of funding for health care goods and services. As such, the source of funding may be from an individual, an employer, an employee, or a combination of sources, as appropriate.     (Code 1981, §33-30B-3, enacted by Ga. L. 2003, p. 912, § 1.)   Code Commission notes.   - Pursuant to Code Section 28-9-5, in 2003, "a" was substituted for "an" in the last sentence of paragraph (4).
GA Code § 33-30B-4 (2021)
2021 Georgia Code|Title 33 - Insurance|Chapter 30B - Spending Account and Consumer Driven Health Plan Advancement|§ 33-30B-4. Group or Individual Participation; Administration of Plan

  A spending account plan or consumer driven health plan may be written in this state for a group or for an individual. Such plan may contain a spending account feature which will provide the first-dollar payments for health care services up to a designated amount. Group plans may, but are not required to, provide for a uniform spending account limit. An individual plan may incorporate a spending account feature with a limit not exceeding $10,000.00 annually.   All spending accounts shall be in the name of the individual for which the spending account has been established but may be administered in accordance with the applicable plan.     (Code 1981, §33-30B-4, enacted by Ga. L. 2003, p. 912, § 1.)
GA Code § 33-30B-5 (2021)
2021 Georgia Code|Title 33 - Insurance|Chapter 30B - Spending Account and Consumer Driven Health Plan Advancement|§ 33-30B-5. Relationship Between Spending Account and Attachment Point for Insurance Reimbursement

 For any plan having a spending account feature, the amount of the spending account is not required to be the same as the attachment point for insurance reimbursements. If the attachment point for insurance reimbursements to the plan is higher than the amount contained in the spending account, a notice describing the monetary gap for which an individual will be liable shall be given to the holder of the spending account.    (Code 1981, §33-30B-5, enacted by Ga. L. 2003, p. 912, § 1.)
GA Code § 33-30B-6 (2021)
2021 Georgia Code|Title 33 - Insurance|Chapter 30B - Spending Account and Consumer Driven Health Plan Advancement|§ 33-30B-6. Requirements for Insurance Contract

 The insurance contract providing reimbursements for expenditures for health care services incurred by the plan may be a stop-loss, specific excess and aggregate, or other similar contract. It may be written by an insurer licensed for life, accident, and sickness insurance under Code Section 33-7-2 or by an insurer licensed for casualty insurance under Code Section 33-7-3. In either case, the contract shall be in the name of the plan as the contract holder and shall contain at least the following:    The attachment point after which the payments by the insurer will be made;   The amounts for allowable spending accounts;   An attachment containing the plan document;   A conspicuous disclosure on the first page of the contract that it is not a policy of accident and sickness insurance; and   All other relevant terms and conditions.     (Code 1981, §33-30B-6, enacted by Ga. L. 2003, p. 912, § 1.)
GA Code § 33-30B-7 (2021)
2021 Georgia Code|Title 33 - Insurance|Chapter 30B - Spending Account and Consumer Driven Health Plan Advancement|§ 33-30B-7. Interpretation; Renewal of Policy

  A stop-loss or specific excess and aggregate contract issued under this chapter shall not be construed or interpreted as an accident and sickness insurance policy.   No stop-loss or specific excess and aggregate policy may be cancelled or nonrenewed because of the level of health care claims.     (Code 1981, §33-30B-7, enacted by Ga. L. 2003, p. 912, § 1.)
GA Code § 33-31-2 (2021)
2021 Georgia Code|Title 33 - Insurance|Chapter 31 - Credit Life Insurance and Credit Accident and Sickness Insurance|§ 33-31-2. Applicability of Chapter

  Except as provided otherwise in subsection (c) of this Code section, all life insurance and all accident and sickness insurance sold in connection with loans or other credit transactions pursuant to a plan covering all debtors of a creditor or a class or classes of debtors shall be subject to this chapter, except such insurance sold in connection with a loan or other credit transaction of five years' duration or more.   Nothing in this chapter is intended to prohibit or discourage reasonable competition.   All life insurance and all accident and sickness insurance sold in connection with loans or other credit transactions pursuant to a plan covering all debtors of a creditor or a class or classes of debtors shall be subject to this chapter, except such insurance sold in connection with a loan or other credit transaction of more than ten years' duration.    (Code 1933, § 56-3301, enacted by Ga. L. 1960, p. 289, § 1; Ga. L. 1991, p. 1092, § 1; Ga. L. 2019, p. 386, § 106/SB 133.)    The 2019 amendment,  effective July 1, 2019, deleted "on and after July 1, 1991," following "insurance sold" in two places in subsection (c).
GA Code § 33-31-3 (2021)
2021 Georgia Code|Title 33 - Insurance|Chapter 31 - Credit Life Insurance and Credit Accident and Sickness Insurance|§ 33-31-3. Issuance of Policies Generally

 Credit life insurance and credit accident and sickness insurance shall be issued only in the following forms:    Individual policies of life insurance issued to debtors on the term plan;   Individual policies of accident and sickness insurance issued to debtors on a term plan or disability provisions in individual policies of credit life insurance;   Group policies of life insurance issued to creditors providing insurance upon the lives of debtors on the term plan; and   Group policies of accident and sickness insurance issued to creditors on a term plan insuring debtors or disability provisions in group life policies to provide the coverage.    (Code 1933, § 56-3303, enacted by Ga. L. 1960, p. 289, § 1.)
GA Code § 33-31-5 (2021)
2021 Georgia Code|Title 33 - Insurance|Chapter 31 - Credit Life Insurance and Credit Accident and Sickness Insurance|§ 33-31-5. Date Insurance Becomes Effective; Duration and Termination of Insurance

 The term of any credit life insurance or credit accident and sickness insurance shall commence, subject to acceptance by the insurer, on the date when the debtor becomes obligated to the creditor, except that, where a group policy provides coverage with respect to existing obligations, the insurance on a debtor with respect to the indebtedness shall commence on the effective date of the policy. In no event, however, in the case of a contract obligation involving future delivery or performance, must the insurance become effective before the date of such delivery or completion of such performance or before the date when all of the terms of the indebtedness are set forth in the contract or instrument creating the indebtedness. The term of the insurance shall not extend more than 15 days beyond the scheduled maturity date of the indebtedness, except when extended without additional cost to the debtor. If the indebtedness is discharged due to renewal or refinancing prior to the scheduled maturity date, the insurance in force shall be terminated before any new insurance may be issued in connection with the renewed or refinanced indebtedness. In all cases of termination prior to scheduled maturity, a refund shall be paid or credited as provided in Code Section 33-31-9.   (Code 1933, § 56-3305, enacted by Ga. L. 1960, p. 289, § 1; Ga. L. 1990, p. 8, § 33.)   OPINIONS OF THE ATTORNEY GENERAL   Refinancing must present "pyramiding" problem for section to apply.   - While a proposed practice might be a "refinancing" within the literal meaning of this section, if it does not present the "pyramiding" problem which concerned this section's framers it would not constitute the particular variety of refinancing to which this section was meant to apply. 1974 Op. Att'y Gen. No. 74-113.
GA Code § 33-31-6 (2021)
2021 Georgia Code|Title 33 - Insurance|Chapter 31 - Credit Life Insurance and Credit Accident and Sickness Insurance|§ 33-31-6. Requirements as to Issuance or Delivery of Policies Generally

 All policies of credit life insurance and credit accident and sickness insurance shall be delivered or issued for delivery in this state only by an insurer authorized to do an insurance business in this state and shall be issued only through holders of licenses issued by the Commissioner.   (Code 1933, § 56-3309, enacted by Ga. L. 1960, p. 289, § 1.)
GA Code § 33-31-8 (2021)
2021 Georgia Code|Title 33 - Insurance|Chapter 31 - Credit Life Insurance and Credit Accident and Sickness Insurance|§ 33-31-8. Filing of Forms With Commissioner; Approval or Disapproval

 All forms, including policies, certificates of insurance, notices of proposed insurance, applications for insurance, binders, endorsements, and riders, together with the schedule of premiums therefor and the applicable maximum identifiable charges to debtors shall be filed with the Commissioner. The procedure for filing and approval of forms shall be in accordance with Code Section 33-24-9. The Commissioner shall disapprove any form filed or withdraw any previous approval of such form if the benefits provided in such form are not reasonable in relation to the premium charges or if it contains provisions which are unjust, unfair, inequitable, misleading, deceptive, or which encourage misrepresentation of the policy.   (Code 1933, § 56-3307, enacted by Ga. L. 1960, p. 289, § 1.)   OPINIONS OF THE ATTORNEY GENERAL   Premium charges other than those approved by Commissioner unauthorized.   - Any premium charge made to the debtor other than as filed with and approved by the Insurance Commissioner and consistent with the premium rate charged by the insurer is unauthorized. 1965-66 Op. Att'y Gen. No. 66-184.
GA Code § 33-31-10 (2021)
2021 Georgia Code|Title 33 - Insurance|Chapter 31 - Credit Life Insurance and Credit Accident and Sickness Insurance|§ 33-31-10. Filing and Settlement of Claims Generally; Manner of Payment of Claims

  All claims shall be promptly reported to the insurer or its designated claim representative and the insurer shall maintain adequate claim files. All claims shall be settled as soon as possible and in accordance with the terms of the insurance contract.   All claims shall be paid either by draft drawn upon the insurer or by check of the insurer to the order of the claimant to whom payment of the claim is due pursuant to the policy provisions or, upon direction of the claimant, to one specified.   No plan or arrangement shall be used whereby any person, firm, or corporation other than the insurer or its designated claim representative shall be authorized to settle or adjust claims. The creditor shall not be designated as claim representative for the insurer in adjusting claims, provided that a group policyholder, by arrangement with the group insurer, may draw drafts or checks in payment of claims due to the group policyholder subject to audit and review by the insurer.    (Code 1933, § 56-3310, enacted by Ga. L. 1960, p. 289, § 1; Ga. L. 1982, p. 3, § 33.)   RESEARCH REFERENCES   ALR.   - Policy provision limiting time within which action may be brought on the policy as applicable to tort action by insured against insurer, 66 A.L.R.4th 859.
GA Code § 33-31-11 (2021)
2021 Georgia Code|Title 33 - Insurance|Chapter 31 - Credit Life Insurance and Credit Accident and Sickness Insurance|§ 33-31-11. Right of Debtor to Furnish Insurance

 When credit life insurance or credit accident and sickness insurance is required as additional security for any indebtedness, the debtor, upon written request to the creditor, shall have the option of furnishing the required amount of insurance through existing policies of insurance owned or controlled by him or of procuring and furnishing the required coverage through any insurer authorized to transact an insurance business within this state.   (Code 1933, § 56-3311, enacted by Ga. L. 1960, p. 289, § 1.)
GA Code § 33-31-12 (2021)
2021 Georgia Code|Title 33 - Insurance|Chapter 31 - Credit Life Insurance and Credit Accident and Sickness Insurance|§ 33-31-12. Promulgation of Rules and Regulations; Enforcement of Provisions; Penalties for Violations

  The Commissioner after notice and hearing may issue such rules and regulations as he deems appropriate for the supervision of this chapter, including regulation of maximum premiums or maximum charges to debtors for all credit life or credit accident and sickness insurance. Whenever the Commissioner finds that there has been a violation of this chapter or of any rules or regulations issued pursuant to this chapter, after written notice of the violation and hearing given to the insurer or other person authorized or licensed by the Commissioner he shall set forth the details of his findings together with an order for compliance by a specified date. The order shall be binding on the insurer and other person authorized or licensed by the Commissioner on the date specified, unless previously withdrawn by the Commissioner.   In addition to any other penalty provided by law, any person who violates an order of the Commissioner after it has become final and while the order is in effect, upon proof of the violation to the satisfaction of the court, shall forfeit and pay to this state a sum not to exceed $250.00, which may be recovered in a civil action, except that if such violation is found to be willful, the amount of such penalty shall be a sum not to exceed $1,000.00. The Commissioner, in his discretion, may revoke or suspend the license or certificate of authority of the person guilty of such violation. The order for suspension or revocation shall be subject to judicial review as provided in Chapter 2 of this title.    (Code 1933, § 56-3312, enacted by Ga. L. 1960, p. 289, § 1; Ga. L. 1982, p. 3, § 33.)
GA Code § 33-32-2 (2021)
2021 Georgia Code|Title 33 - Insurance|Chapter 32 - Property Insurance|§ 33-32-2. Coverage of Personal Property Changing in Specifics

 A policy of insurance may be made to cover personal property changing in its specifics.   (Ga. L. 1895, p. 51, § 1; Civil Code 1895, § 2110; Civil Code 1910, § 2545; Code 1933, § 56-701; Code 1933, § 56-3202, enacted by Ga. L. 1960, p. 289, § 1.)   RESEARCH REFERENCES   ALR.    - Sufficiency of inventory to satisfy condition of insurance policy as affected by inclusion of, or failure to include, prop not insured, 92 A.L.R. 372.   Provisional or monthly reporting insurance, 13 A.L.R.2d 713.   Fire policy on contents or the like as covering property of insured's customers or bailors, 67 A.L.R.2d 1241.   Scope and purview of clause excluding business property from the coverage of policy insuring unscheduled personal property, 80 A.L.R.2d 1289.   Construction and effect of provisional or monthly reporting inventory insurance, 81 A.L.R.4th 9.
GA Code § 33-32-3 (2021)
2021 Georgia Code|Title 33 - Insurance|Chapter 32 - Property Insurance|§ 33-32-3. Privilege of Rebuilding or Reinstating Property Sustaining Loss or Damage

 The privilege of rebuilding or reinstating property sustaining loss or damage shall not exist unless it is reserved in the policy.   (Orig. Code 1863, § 2766; Code 1868, § 2774; Code 1873, § 2816; Code 1882, § 2816; Civil Code 1895, § 2112; Civil Code 1910, § 2547; Code 1933, § 56-704; Code 1933, § 56-3204, enacted by Ga. L. 1960, p. 289, § 1.)   RESEARCH REFERENCES   ALR.   - Insurer's liability as affected by refusal of public authorities to permit reconstruction or repair after fire, 90 A.L.R.2d 790.   Necessity and manner of property insurer's giving notice of exercising option to repair insured's property, 98 A.L.R.2d 1319.
GA Code § 33-32-4 (2021)
2021 Georgia Code|Title 33 - Insurance|Chapter 32 - Property Insurance|§ 33-32-4. Refund of Premium Payments Where Insured Sustaining Total Loss of Property Receives Less Than Maximum Amount Payable Under Policy

 In the event of a total loss of property, if an insurer shall pay to the insured an amount less than the maximum amount authorized to be paid under an insurance policy covering the property, the insurer shall refund to the insured the difference between the amount of premiums actually paid for the insurance policy and the amount of premiums which would have been charged for a property insurance policy having a maximum amount payable equal to the amount actually paid by the insurer to the insured.   (Ga. L. 1895, p. 51, § 1; Civil Code 1895, § 2110; Civil Code 1910, § 2545; Code 1933, § 56-701; Code 1933, § 56-3205, enacted by Ga. L. 1960, p. 289, § 1.)   RESEARCH REFERENCES   ALR.    - Divisibility of fire insurance policy as regards subjects of insurance as affected by the fact that premium is payable at a named rate per one hundred dollars of insurance, 129 A.L.R. 651.    Rights, in respect of premiums paid but unearned or premiums earned but unpaid, between property insurer and lessor, under policy taken out by lessee, 143 A.L.R. 1463.   Validity, construction, and effect of insurance policy provision requiring insured to maintain coverage to specified value of property (coinsurance clause), 43 A.L.R.3d 566.
GA Code § 33-32-6 (2021)
2021 Georgia Code|Title 33 - Insurance|Chapter 32 - Property Insurance|§ 33-32-6. Tobacco Crop Insurance Coverage

 Any insurer issuing a policy providing crop insurance coverage, other than federal crop insurance pursuant to 7 U.S.C. Section 1501, et seq., for tobacco crops grown in this state against loss or damage due to wind, hail, or both shall make available such coverage for a term extending until such time as the tobacco crop is harvested, either as a part of or as an optional endorsement to such policy of crop insurance.    (Code 1981, §33-32-6, enacted by Ga. L. 1999, p. 647, § 1; Ga. L. 2000, p. 136, § 33; Ga. L. 2019, p. 386, § 108/SB 133.)    The 2019 amendment,  effective July 1, 2019, deleted "on or after April 28, 1999," following "Any insurer issuing" near the beginning of this Code section.
GA Code § 33-33-1 (2021)
2021 Georgia Code|Title 33 - Insurance|Chapter 33 - Fair Access to Insurance Requirements|§ 33-33-1. Establishment of Fair Access to Insurance Requirements Plan and Underwriting Association

 All insurers licensed to write and writing property insurance in this state on a direct basis are authorized, subject to approval and regulation by the Commissioner, to establish and maintain a Fair Access to Insurance Requirements (FAIR) Plan and to establish and maintain an underwriting association and to formulate and from time to time amend the plan and articles of association and rules and regulations in connection therewith and to assess and share on a fair and equitable basis all expenses, income, and losses incident to the Fair Access to Insurance Requirements Plan and underwriting association in a manner consistent with this chapter.   (Ga. L. 1970, p. 282, § 1; Ga. L. 1975, p. 22, § 1; Ga. L. 1995, p. 629, § 1.)
GA Code § 33-33-2 (2021)
2021 Georgia Code|Title 33 - Insurance|Chapter 33 - Fair Access to Insurance Requirements|§ 33-33-2. Requirements of Plan and Articles of Association

 The Fair Access to Insurance Requirements Plan and articles of association shall make provision for an underwriting association having authority on behalf of its members to cause to be issued property insurance policies, to reinsure in whole or in part any such policies, and to cede any such reinsurance. The plan and articles of association shall provide, among other things, for the perils to be covered; geographical area of coverage; compensation and commissions; assessments of members; the sharing of expenses, income, and losses on an equitable basis; cumulative weighted voting for the board of directors of the association; the administration of the plan and association; and any other matter necessary or convenient for the purpose of assuring fair access to insurance requirements.   (Ga. L. 1970, p. 282, § 3; Ga. L. 1975, p. 22, § 3; Ga. L. 1995, p. 629, § 1.)
GA Code § 33-33-3 (2021)
2021 Georgia Code|Title 33 - Insurance|Chapter 33 - Fair Access to Insurance Requirements|§ 33-33-3. Requirement of Participation in Plan by Property Insurers

  Each insurer authorized to write and writing property insurance in this state shall be required to become and remain a member of the plan and the underwriting association and to comply with the requirements of the plan and the underwriting association as a condition of its authority to transact property insurance business.   Each insurer shall participate in the writings, expenses, profits, and losses of the association in the following manner:   For habitational risks, the same proportion as its habitational premiums written bear to the aggregate habitational premiums written by all insurers in the program; and   For commercial risks, the same proportion as its commercial premiums written bear to the aggregate commercial premiums written by all insurers in the program.      (Ga. L. 1970, p. 282, § 2; Ga. L. 1975, p. 22, § 2; Ga. L. 1995, p. 629, § 1.)
GA Code § 33-33-4 (2021)
2021 Georgia Code|Title 33 - Insurance|Chapter 33 - Fair Access to Insurance Requirements|§ 33-33-4. Powers of Commissioner Generally

  The directors of the association shall submit to the Commissioner, for review, a proposed Fair Access to Insurance Requirements Plan and articles of association consistent with this chapter.   The Fair Access to Insurance Requirements Plan and articles of association shall be subject to approval by the Commissioner and shall take effect ten days after having been approved by the Commissioner. If the Commissioner disapproves all or any part of the proposed plan and articles, the directors of the association shall within 30 days submit for review an appropriately revised plan and articles; and, if the directors fail to do so, the Commissioner shall thereafter promulgate such plan and articles consistent with this chapter.   The directors of the association may, on their own initiative or at the request of the Commissioner, amend the plan and articles, subject to approval by the Commissioner.    (Ga. L. 1970, p. 284, § 4; Ga. L. 1975, p. 22, § 4; Ga. L. 1995, p. 629, § 1.)