reglab/housing_qa huggingface dataset:
GA Code § 33-23-203 (2021)
2021 Georgia Code|Title 33 - Insurance|Chapter 23 - Licensing|Article 3 - Insurance Navigators|§ 33-23-203. Violations; Limitation on Solicitations; Navigator Compensation, Responsibilities, and Limitations

  Violation of any provision of this title or the federal act, including any act or omission that would be a ground for denial, suspension, or revocation of the license of an agent as defined in Article 1 of this chapter, shall be a ground for denial, suspension, or revocation of a license under this article.   No navigators shall solicit any person or business that is currently insured under an existing health benefit plan.   No navigator shall receive any commission, compensation, or anything of value from any insurer, health benefit plan, business, or consumer for providing advice or services specifically authorized to be provided as a navigator pursuant to the provisions of the federal act. Navigators shall be compensated for advice or services rendered pursuant to the provisions of the federal act only as provided for by the federal act.   Navigators shall provide factually accurate information to uninsured persons and businesses regarding the availability of premium tax credits under Section 36B of the Internal Revenue Code of 1986 and cost-sharing reductions under Section 1402 of the federal act.   Notwithstanding any other provision of law, licensing as a navigator pursuant to the provisions of this article shall not constitute licensing as an agent or administrator as defined in Articles 1 and 2 of this chapter. No person providing advice or services as a navigator under the provisions of the federal act shall be compensated for such advice or services as the holder of a license issued pursuant to Article 1 or 2 of this chapter; provided, however, that the provisions of this subsection shall not prohibit the holder of a license issued pursuant to such articles from being compensated for advice or services rendered as such a licensee and not as a navigator. Navigators licensed pursuant to the provisions of this article shall not, except as specifically authorized by the provisions of the federal act:   Engage in any activities that would require licensing pursuant to the provisions of Article 1 or 2 of this chapter unless licensed thereunder;   Provide advice concerning the benefits, terms, and features of a particular health benefit plan or offer advice about which health benefit plan is better or worse for a particular individual or business, except in the capacity of a licensee pursuant to the provisions of Article 1 or 2 of this chapter; or   Recommend a particular health benefit plan or advise individuals or businesses about which health benefit plan to choose, except in the capacity of a licensee pursuant to the provisions of Article 1 or 2 of this chapter.       (Code 1981, §33-23-203, enacted by Ga. L. 2013, p. 780, § 1/HB 198.)
GA Code § 33-23-204 (2021)
2021 Georgia Code|Title 33 - Insurance|Chapter 23 - Licensing|Article 3 - Insurance Navigators|§ 33-23-204. Adoption of Rules and Regulations

 The Commissioner shall be authorized to adopt rules and regulations to effect the implementation of this article.    (Code 1981, §33-23-204, enacted by Ga. L. 2013, p. 780, § 1/HB 198.)
GA Code § 33-23-205 (2021)
2021 Georgia Code|Title 33 - Insurance|Chapter 23 - Licensing|Article 3 - Insurance Navigators|§ 33-23-205. Applicability

 The provisions of this article shall not apply to patient navigators as defined in paragraph (4) of Code Section 33-23-201.    (Code 1981, §33-23-205, enacted by Ga. L. 2013, p. 780, § 1/HB 198.)
GA Code § 33-24-2 (2021)
2021 Georgia Code|Title 33 - Insurance|Chapter 24 - Insurance Generally|Article 1 - General Provisions|§ 33-24-2. Applicability of Chapter

 This chapter applies to all insurance policies and to annuities and pure endowment contracts as defined in Code Section 33-28-1 except:    Reinsurance;   Policies or contracts not issued for delivery in this state or delivered in this state, except as provided in subsection (e) of Code Section 33-24-9;   Ocean marine and foreign trade insurances; and   Title insurance, except as to the following provisions:   Code Section 33-24-5;   Code Section 33-24-9;   Code Section 33-24-10;   Code Section 33-24-13;   Code Section 33-24-16; and   Code Section 33-24-19.      (Code 1933, § 56-2401, enacted by Ga. L. 1960, p. 289, § 1; Ga. L. 1982, p. 3, § 33; Ga. L. 1990, p. 8, § 33.)
GA Code § 33-24-6.1 (2021)
2021 Georgia Code|Title 33 - Insurance|Chapter 24 - Insurance Generally|Article 1 - General Provisions|§ 33-24-6.1. Prerequisites for Replacement Life Insurance Exceeding Insurance Being Surrendered

 Notwithstanding the provisions of subsection (d) of Code Section 33-24-3, subsection (d) of Code Section 33-24-6, or paragraph (11) of Code Section 33-27-3 which relate to the replacement of existing life insurance, any new life insurance may exceed the insurance being surrendered:    When an entity has a proper interest pursuant to subsection (d) or (e) of Code Section 33-24-3 and the authority to effectuate life insurance pursuant to the provisions of paragraph (4), (5), or (6) of subsection (a) of Code Section 33-24-6; and     To the extent application of the cash surrender value from the old insurance as a premium under the new life insurance contract requires a larger amount of insurance to qualify as life insurance or to be not treated as a modified endowment contract for federal income tax purposes;   To otherwise comply with applicable federal law; or   When, upon cessation of premium payments, a former employee or trustee elects under the policy to use the cash value available under the policy to restructure the term, face amount, or investment options under the policy, even though such restructuring may result in an increase in the amount of the insurance.       (Code 1981, §33-24-6.1, enacted by Ga. L. 1997, p. 683, § 3; Ga. L. 2006, p. 869, § 2/HB 1484.)
GA Code § 33-24-8 (2021)
2021 Georgia Code|Title 33 - Insurance|Chapter 24 - Insurance Generally|Article 1 - General Provisions|§ 33-24-8. Admissibility in Evidence of Applications in Actions Between Insurer and Insured

 As to kinds of insurance other than life insurance, no application for insurance signed by or on behalf of the insured shall be admissible in evidence in any action between the insured and the insurer arising out of the policy applied for if the insurer, at expiration of 30 days after receipt by the insurer of written demand by or on behalf of the insured for a copy of the application, has failed to furnish to the insured a copy of the application reproduced by any legible means.   (Code 1933, § 56-2408, enacted by Ga. L. 1960, p. 289, § 1.)   RESEARCH REFERENCES   Am. Jur. 2d.   - 44A Am. Jur. 2d, Insurance, § 1987 et seq.   ALR.    - Liability in respect of premium where policy is rejected by applicant or prospect, 41 A.L.R. 644.    Admissibility as against the beneficiary of life or accident insurance of statements or declarations by the insured outside his application, 86 A.L.R. 146.    Failure to attach copy of application as affecting right to set up breach of condition in policy itself, 87 A.L.R. 194.    Binding effect of application not signed by insured, 91 A.L.R. 1127.
GA Code § 33-24-10 (2021)
2021 Georgia Code|Title 33 - Insurance|Chapter 24 - Insurance Generally|Article 1 - General Provisions|§ 33-24-10. Grounds for Disapproval of Forms

 The Commissioner shall disapprove any form filed under Code Section 33-24-9 or withdraw any previous approval of such form only:    If it is in any respect in violation of or does not comply with this title;   If it contains or incorporates by reference any inconsistent, ambiguous, or misleading clauses or exceptions and conditions which deceptively affect the risk purported to be assumed in the general coverage of the contract;   If it has any title, heading, or other indication of its provisions which is misleading;   If it is printed or otherwise reproduced in such manner as to render any provision of the form substantially illegible or not easily legible to persons of normal vision;   If it contains provisions which are unfair or inequitable or contrary to the public policy of this state or would, because the provisions are unclear or deceptively worded, encourage misrepresentation; or   If the benefits provided in any medicare supplement insurance policy described in Code Section 33-24-29 are unreasonable in relation to the premium charged.    (Code 1933, § 56-2411, enacted by Ga. L. 1960, p. 289, § 1; Ga. L. 1980, p. 1266, § 3; Ga. L. 2019, p. 386, § 26/SB 133.)    The 2019 amendment,  effective July 1, 2019, substituted "described" for "defined" in the middle of paragraph (6).   Editor's notes.   - Ga. L. 1980, p. 1266, § 5, not codified by the General Assembly, provides that the amendment to paragraph (6) shall be applicable to "any medicare supplement policy delivered or issued for delivery" in Georgia "on or after November 1, 1980."   JUDICIAL DECISIONS    Cited in Sollek v. Laseter, 126 Ga. App. 137, 190 S.E.2d 148 (1972); Strickland v. Gulf Life Ins. Co., 240 Ga. 723, 242 S.E.2d 148 (1978); Whitehead v. Lumbermen's Mut. Cas. Co., 543 F. Supp. 967 (N.D. Ga. 1982); Universal Scientific, Inc. v. Safeco Ins. Co. of Am., 174 Ga. App. 768, 331 S.E.2d 611 (1985); Penn Am. Ins. Co. v. Miller, 228 Ga. App. 659, 492 S.E.2d 571 (1997).   RESEARCH REFERENCES   Am. Jur. 2d.   - 43 Am. Jur. 2d, Insurance, §§ 19 et seq., 31.   C.J.S.   - 44 C.J.S., Insurance, §§ 479, 480.   ALR.    - 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, construction, and effect of approval or disapproval by Insurance Commissioner (or similar official) of policy, 119 A.L.R. 877.   Validity and construction of statutes relating to style or prominence with which provisions must be printed in insurance policy, 36 A.L.R.3d 464.
GA Code § 33-24-10.1 (2021)
2021 Georgia Code|Title 33 - Insurance|Chapter 24 - Insurance Generally|Article 1 - General Provisions|§ 33-24-10.1. Standard or Uniform Claim Form

 The Commissioner is authorized to establish by rule or regulation a standard or uniform claim form to be supplied by insurers to their insureds for the purpose of filing claims under policies or contracts of accident and sickness insurance. The Commissioner shall file and maintain on file in the office of the Commissioner a true copy of the standard or uniform claim form designated as such and bearing the Commissioner's authenticating signature and the date of filing.    (Code 1981, §33-24-10.1, enacted by Ga. L. 1992, p. 1184, § 1; Ga. L. 2019, p. 386, § 27/SB 133.)    The 2019 amendment,  effective July 1, 2019, deleted "on and after January 1, 1994," following "supplied by insurers" in the middle of the first sentence.
GA Code § 33-24-11 (2021)
2021 Georgia Code|Title 33 - Insurance|Chapter 24 - Insurance Generally|Article 1 - General Provisions|§ 33-24-11. Waiver by Commissioner of Use of Standard or Uniform Provisions in Policies or Contracts; Approval of Use of Substitute Provisions

  The Commissioner may waive the required use of a particular provision in a particular insurance policy form or annuity or endowment contract form if the Commissioner finds such provision unnecessary for the protection of the insured or inconsistent with the purposes of the policy and if the policy is otherwise approved by the Commissioner.   Unless otherwise provided in this title, no policy shall contain any provision inconsistent with or contradictory to any standard provision used or required to be used, but the Commissioner may approve any substitute provision which is not less favorable in any particular to the insured or beneficiary than the standard provisions or optional standard provisions otherwise required.   In lieu of the standard provisions required by this title for contracts for particular kinds of insurance, substantially similar standard provisions required by the law of the domicile of a foreign or alien insurer may be used when approved by the Commissioner.    (Code 1933, § 56-2412, enacted by Ga. L. 1960, p. 289, § 1; Ga. L. 2019, p. 386, § 28/SB 133.)    The 2019 amendment,  effective July 1, 2019, in subsection (a), substituted "the Commissioner finds such provision" for "he finds the provision" in the middle, and substituted "the Commissioner" for "him" at the end.   RESEARCH REFERENCES   Am. Jur. 2d.   - 43 Am. Jur. 2d, Insurance, §§ 19 et seq., 31.   C.J.S.   - 44 C.J.S., Insurance, § 45 et seq.   ALR.    - 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.
GA Code § 33-24-12 (2021)
2021 Georgia Code|Title 33 - Insurance|Chapter 24 - Insurance Generally|Article 1 - General Provisions|§ 33-24-12. Noncomplying Conditions or Provisions; Cancellation of Contracts Covering Uninsurable Subjects

  Any insurance policy, rider, or endorsement issued and otherwise valid which contains any condition or provision not in compliance with the requirements of this title shall not be rendered invalid due to the noncomplying condition or provision but shall be construed and applied in accordance with such conditions and provisions as would have applied had the policy, rider, or endorsement been in full compliance with this title.   Any insurance contract delivered or issued for delivery in this state covering a subject or subjects of insurance resident, located or to be performed in this state and which, pursuant to this title, the insurer may not lawfully insure under the contract shall be cancelable at any time by the insurer, any provisions of the contract to the contrary notwithstanding; and the insurer shall promptly cancel the contract in accordance with the Commissioner's request for cancellation. No illegality or cancellation shall be deemed to relieve the insurer of any liability incurred by it under the contract while in force or to prohibit the insurer from retaining the pro rata earned premium on the contract. This Code section shall not relieve the insurer from any penalty otherwise incurred by the insurer under this title on account of any violation.    (Code 1933, § 56-2418, enacted by Ga. L. 1960, p. 289, § 1; Ga. L. 2005, p. 60, § 33/HB 95; Ga. L. 2019, p. 386, § 29/SB 133.)    The 2019 amendment,  effective July 1, 2019, deleted "after January 1, 1961," following "endorsement issued" near the beginning of subsection (a).   RESEARCH REFERENCES   Am. Jur. 2d.   - 43 Am. Jur. 2d, Insurance, §§ 238 et seq., 259 et seq.   ALR.   - What constitutes "other insurance" within meaning of insurance policy provisions prohibiting insured from obtaining other insurance on same property, 7 A.L.R.4th 494.
GA Code § 33-24-13 (2021)
2021 Georgia Code|Title 33 - Insurance|Chapter 24 - Insurance Generally|Article 1 - General Provisions|§ 33-24-13. Execution of Policies; Use of Facsimile Signatures

 Every insurance policy shall be executed in the name of and on behalf of the insurer by its officer, attorney in fact, employee, or representative duly authorized by the insurer. A facsimile signature of any executing individual may be used in lieu of an original signature.   (Code 1933, § 56-2416, enacted by Ga. L. 1960, p. 289, § 1; Ga. L. 1999, p. 878, § 12.)   RESEARCH REFERENCES   Am. Jur. 2d.   - 43 Am. Jur. 2d, Insurance, § 225 et seq.   C.J.S.   - 44 C.J.S., Insurance, § 482.
GA Code § 33-24-15 (2021)
2021 Georgia Code|Title 33 - Insurance|Chapter 24 - Insurance Generally|Article 1 - General Provisions|§ 33-24-15. When Policies or Contracts Become Effective

 A policy of insurance or an annuity or endowment contract shall run from midday of the date of the policy or contract; and the time shall be calculated accordingly if the policy or contract is to be in force for a specified period of time unless the hour and minute of attachment of liability is specified.   (Orig. Code 1863, § 2773; Code 1868, § 2781; Code 1873, § 2823; Code 1882, § 2823; Civil Code 1895, § 2119; Civil Code 1910, § 2501; Code 1933, § 56-910; Code 1933, § 56-2429, enacted by Ga. L. 1960, p. 289, § 1.)   RESEARCH REFERENCES   ALR.    - Date from which life insurance premium periods are to be computed, 32 A.L.R. 1253; 80 A.L.R. 957; 111 A.L.R. 1420; 169 A.L.R. 290.    Death of insured or other loss pending application not effectively granted, for reinstatement of life or accident insurance, after lapse, 105 A.L.R. 478; 164 A.L.R. 1057.    Due date of premium or date of expiration of grace period as commencement of period of extended insurance, 106 A.L.R. 1276.    Antedating policy of insurance as affecting liability for loss that had already occurred, 132 A.L.R. 1325.    Inclusion or exclusion of first or last day in computing period of time prescribed by insurance contract, 137 A.L.R. 1155.   Temporary life, accident, or health insurance pending approval of application or issuance of policy, 2 A.L.R.2d 943.   Stipulated period of time coverage of insurance policy as affected by countersigning subsequent to specified commencement date, 22 A.L.R.2d 984.   Rights and remedies arising out of delay in passing upon application for insurance, 32 A.L.R.2d 487.   Computation of time with respect to fractions of days, in determining duration and termination of risk under accident, health, or hospital policy, 38 A.L.R.2d 768.   Effective date of life, health or accident insurance policy, as between premium date stated in policy and later date either of approval, acceptance, or delivery of policy, or of payment of premium, 44 A.L.R.2d 472; 37 A.L.R.3d 933.   Calculation of newborn child's age for purposes of life insurance policy requiring that specified age be reached before coverage begins, 37 A.L.R.3d 1448.   Event triggering liability insurance coverage as occurring within period of time covered by liability insurance policy where injury or damage is delayed - Modern cases, 14 A.L.R.5th 695.
GA Code § 33-24-16.1 (2021)
2021 Georgia Code|Title 33 - Insurance|Chapter 24 - Insurance Generally|Article 1 - General Provisions|§ 33-24-16.1. Clarification of Term "Actual Charge" or "Actual Fee"

  The term "actual charge" or "actual fee," when used in an individual or group specified disease insurance policy, shall mean the amount actually paid by or on behalf of an insured person and accepted as full payment by a health care provider or other designated person for the goods or services provided.   The General Assembly finds and declares that the provisions of subsection (a) of this Code section are intended to clarify the correct interpretation of the defined terms for instances in which the particular insurance policy does not otherwise contain a definition.     (Code 1981, §33-24-16.1, enacted by Ga. L. 2006, p. 767, § 2/SB 385; Ga. L. 2019, p. 386, § 30/SB 133.)    The 2019 amendment,  effective July 1, 2019, deleted "current" following "clarify the" in the middle of subsection (b).
GA Code § 33-24-19 (2021)
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.)   Cross references.   - 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.   Section not applicable to action between policyholders.    - 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.   C.J.S.   - 44 C.J.S., Insurance, § 486 et seq.   ALR.    - 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.
GA Code § 33-24-20 (2021)
2021 Georgia Code|Title 33 - Insurance|Chapter 24 - Insurance Generally|Article 1 - General Provisions|§ 33-24-20. Provision in Accident and Sickness Policies for Termination of Coverage of Surviving Spouse or as Result of Break in Marital Relationship; Issuance of Policy to Spouse

  No individual policy of accident and sickness insurance offered for sale in this state, other than a policy of credit accident and sickness insurance which provides coverage for hospital or medical expenses on either an expense incurred basis or other than on an expense incurred basis, which, in addition to covering the insured, also provides coverage to the spouse of the insured may contain a provision for termination of coverage for a spouse covered under the policy solely as a result of a break in the marital relationship except by reason of the death of the insured or of an entry of a valid decree of divorce between the parties.   Every policy which contains a provision for termination of coverage of the spouse upon death of the insured or divorce shall contain a provision to the effect that, upon the death of the insured or the entry of a valid decree of divorce between the insured parties, the surviving or divorced spouse shall be entitled to have issued to him or her, without evidence of insurability, upon application made to the company within 31 days following the entry of such decree and upon the payment of the appropriate premium, an individual or family policy of accident and sickness insurance then being issued by the insurer which provides coverage most nearly similar to the coverage contained in the policy which was terminated by reason of death or divorce or any other similar individual or family policy then being issued by the insurer which contains lesser coverage. Any and all probationary or waiting periods set forth in such an individual or family policy shall be considered as being met to the extent coverage was in force under the prior policy.   This Code section shall also apply to blanket accident and sickness insurance policies and to policies issued by a fraternal benefit society, a health care corporation, a health maintenance organization, or any other similar entity.    (Code 1933, § 56-3004.1, enacted by Ga. L. 1980, p. 1393, § 1; Ga. L. 1981, p. 640, § 1; Ga. L. 1995, p. 745, § 2.6; Ga. L. 2017, p. 164, § 14/HB 127.)   Cross references.   - Contents of individual accident and sickness insurance policies, T. 33, C. 29.   Contents of group or blanket accident and sickness insurance, T. 33, C. 30.   Editor's notes.   - Ga. L. 1981, p. 640, § 3, not codified by the General Assembly, provides that this Act shall apply to policies issued, delivered, or renewed in this state on or after July 1, 1981.   Law reviews.   - For article surveying developments in Georgia insurance law from mid-1980 through mid-1981, see 33 Mercer L. Rev. 143 (1981).