reglab/housing_qa huggingface dataset:
GA Code § 33-24-32 (2021)
2021 Georgia Code|Title 33 - Insurance|Chapter 24 - Insurance Generally|Article 1 - General Provisions|§ 33-24-32. Underwriters' and Combination Policies

  Two or more authorized insurers may jointly issue and shall be jointly and severally liable on an underwriters' policy bearing their names. Any one insurer may issue policies in the name of an underwriter's department and the policy shall plainly show the true name of the insurer.   Two or more insurers may issue a combination policy which shall contain provisions substantially as follows:   That the insurers executing the policy shall be severally liable for the full amount of any loss or damage according to the terms of the policy or for specified percentages or amounts of such loss or damage, aggregating the full amount of insurance under the policy; and   That service of process or of any notice or proof of loss required by the policy upon any of the insurers executing the policy shall constitute service upon all insurers.     Reserved.   This Code section shall not apply to cosurety obligations.    (Code 1933, § 56-2417, enacted by Ga. L. 1960, p. 289, § 1; Ga. L. 1999, p. 878, § 13.)   RESEARCH REFERENCES   Am. Jur. 2d.   - 43 Am. Jur. 2d, Insurance, § 61.   C.J.S.   - 44 C.J.S., Insurance, §§ 3, 7, 20, 21. 46A C.J.S., Insurance, §§ 2229, 2231, 2232.   ALR.    - Prior or subsequent policy issued by insurer itself as a defense to or a limitation of recovery under another policy, 125 A.L.R. 846.
GA Code § 33-24-33 (2021)
2021 Georgia Code|Title 33 - Insurance|Chapter 24 - Insurance Generally|Article 1 - General Provisions|§ 33-24-33. Binders and Other Contracts for Temporary Insurance

  Binders or other contracts for temporary insurance may be made orally or in writing and shall be deemed to include all the usual terms of the policy as to which the binder was given together with any applicable endorsements that are designated in the binder, except as superseded by the clear and express terms of the binder.   No binder shall be valid beyond the issuance of the policy with respect to which it was given or beyond 90 days from its effective date, whichever period is the shorter, provided that this subsection shall not apply to excess or surplus line insurance.   If the policy has not been issued, a binder may be extended or renewed beyond 90 days with the written approval of the Commissioner or in accordance with such rules and regulations relative thereto as the Commissioner may promulgate.   This Code section shall not apply to life or accident and sickness insurance.    (Code 1933, § 56-2420, enacted by Ga. L. 1960, p. 289, § 1.)   RESEARCH REFERENCES   Am. Jur. 2d.   - 7 Am. Jur. 2d, Insurance, § 10 et seq. 43 Am. Jur. 2d, Insurance, § 239.   ALR.    - Binding effect of application not signed by insured, 91 A.L.R. 1127.    Periodical payment for which insurer is bound during life of insured or other specified period as apportionable in respect to time, 135 A.L.R. 876.   Temporary automobile insurance pending issuance of policy, 12 A.L.R.3d 1304.   Temporary fire, wind, or hail insurance pending issuance of policy, 14 A.L.R.3d 568.
GA Code § 33-24-35 (2021)
2021 Georgia Code|Title 33 - Insurance|Chapter 24 - Insurance Generally|Article 1 - General Provisions|§ 33-24-35. Withdrawal or Retirement From Group Insurance Plan

 Participation in group insurance by employees shall be entirely voluntary on the part of each employee at all times. Any employee, upon any payday, may withdraw or retire from such group plan upon giving his employer written notice of his intention to do so and directing the discontinuance of deductions from his wages or salary in payment of the plan.   (Code 1933, § 56-2432, enacted by Ga. L. 1960, p. 289, § 1.)   OPINIONS OF THE ATTORNEY GENERAL    Various state agencies do have legal authority to enter into contracts for optional employee insurance;  the only limitation upon the power granted is that the participation by the employees must be voluntary. 1974 Op. Att'y Gen. No. 74-81.
GA Code § 33-24-36 (2021)
2021 Georgia Code|Title 33 - Insurance|Chapter 24 - Insurance Generally|Article 1 - General Provisions|§ 33-24-36. Effect of Government Employee Group Insurance Upon Rights Under Workers' Compensation Act

 The insurance permitted under Code Sections 33-24-34 and 33-24-35 shall be in addition to and in no manner in lieu of Chapter 9 of Title 34.   (Code 1933, § 56-2433, enacted by Ga. L. 1960, p. 289, § 1.)   RESEARCH REFERENCES   Am. Jur. 2d.   - 43 Am. Jur. 2d, Insurance, §§ 344 et seq., 357 et seq., 393. 44 Am. Jur. 2d, Insurance, § 876. 44A Am. Jur. 2d, Insurance, § 1831 et seq.   ALR.    - Insurance under Workmen's Compensation Act as coextensive with insured's liability under act, 108 A.L.R. 812.    Right to compensation under Workmen's Compensation Act as affected by pension, insurance, gratuities, or other benefits derived from the act itself, 119 A.L.R. 920.
GA Code § 33-24-37 (2021)
2021 Georgia Code|Title 33 - Insurance|Chapter 24 - Insurance Generally|Article 1 - General Provisions|§ 33-24-37. Effect of Government Employee Group Insurance Upon Local and Special Laws

 Reserved. Repealed by Ga. L. 2019, p. 386, § 48/SB 133, effective July 1, 2019.   Editor's notes.   - This Code section was based on Code 1933, § 56-2434, enacted by Ga. L. 1960, p. 289, § 1; Ga. L. 1982, p. 3, § 333.
GA Code § 33-24-38 (2021)
2021 Georgia Code|Title 33 - Insurance|Chapter 24 - Insurance Generally|Article 1 - General Provisions|§ 33-24-38. Renewal or Extension of Policies by Certificate or Endorsement

 Any insurance policy terminating by its terms at a specified expiration date and not otherwise renewable may be renewed or extended at the option of the insurer and upon a currently authorized policy form and at the premium rate then required for renewal or extension for a specific additional period or periods by certificate or by endorsement of the policy and without requiring the issuance of a new policy.   (Code 1933, § 56-2422, enacted by Ga. L. 1960, p. 289, § 1.)   RESEARCH REFERENCES   C.J.S.   - 44 C.J.S., Insurance, § 560.   ALR.    - 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.    Express provisions in life, accident, or health policies that authorize refusal of renewal premium or otherwise make renewal optional with insurer, 119 A.L.R. 530; 161 A.L.R. 193.   Extent of liability on fidelity bond renewed from year to year, 7 A.L.R.2d 946.   Insurance: incontestable clause as affected by reinstatement of policy, 23 A.L.R.3d 743.   Insurance agent's right to commissions on renewal premiums, 36 A.L.R.3d 958.   Person to whom renewal premium may be paid or tendered so as to bind insurer, 42 A.L.R.3d 751.
GA Code § 33-24-40 (2021)
2021 Georgia Code|Title 33 - Insurance|Chapter 24 - Insurance Generally|Article 1 - General Provisions|§ 33-24-40. Acts of Claims Administration Not to Be Deemed Waiver of Policies or Defenses Under Policies

 Without limitation of any right or defense of an insurer otherwise, none of the following acts by or on behalf of an insurer shall be deemed to constitute a waiver of any provision of a policy or of any defense of the insurer under the policy:    Acknowledgment of the receipt of notice of loss or claim under the policy;   Furnishing forms for reporting a loss or claim, for giving information relative to the loss or claim, or for making proof of loss or receiving or acknowledging receipt of any forms or proofs completed or uncompleted; or   Investigating any loss or claim under any policy or engaging in negotiations looking toward a possible settlement of any loss or claim.    (Code 1933, § 56-2428, enacted by Ga. L. 1960, p. 289, § 1.)   RESEARCH REFERENCES   ALR.    - Subsequent denial of liability following promise or negotiations as affecting contractual limitation for action upon insurance policy, 3 A.L.R. 218.    Incontestable clause as affecting failure to comply with provisions as to proofs of loss, 41 A.L.R. 382.    Insurer's denial of or refusal to allow claim as waiver of right under policy to pay in lump sum or in installments, 94 A.L.R. 1176.    Insurer's assertion, before claim is made, that policy is ineffective as waiver of condition as to notice or proof of disability, 172 A.L.R. 636.    Right of contingent beneficiary to proceeds of life policy upon death of direct or primary beneficiary after death of insured, 172 A.L.R. 642.    Insurer's denial that insured has suffered disability as waiver of requirement that insured furnish periodic proof there, 173 A.L.R. 973.   Insurer's demand for additional or corrected proof of loss as waiver or estoppel as to right to assert contractual limitation provision, or as suspending running thereof, 15 A.L.R.2d 955.   Insurer's admission of liability, offers of settlement, negotiations, and the like, as waiver of, or estoppel to assert, contractual limitation provision, 29 A.L.R.2d 636.   Insurer's admission of liability, offers of settlement, and negotiations for adjustment or settlement, as waiver of proof of property loss, 49 A.L.R.2d 87.   Denial of liability as waiver of proofs of loss required by insurance policy, 49 A.L.R.2d 161.   Provisions of burglary or theft policy requiring losses evidenced by "physical damage to premises,", 22 A.L.R.3d 1305.   Insurance: necessity and sufficiency of notice of and hearing in proceedings before appraisers and arbitrators appointed to determine amount of loss, 25 A.L.R.3d 680.   Notice or proof of loss under one policy as notice or proof of loss under another provision of same policy or another policy issued by same insurer, 29 A.L.R.3d 856.   Nature and extent of insured's duty to seek retrieval of stolen automobile, 9 A.L.R.4th 405.   Liability insurer's postloss conduct as waiver of, or estoppel to assert, "no-action" clause, 68 A.L.R.4th 389.
GA Code § 33-24-41.2 (2021)
2021 Georgia Code|Title 33 - Insurance|Chapter 24 - Insurance Generally|Article 1 - General Provisions|§ 33-24-41.2. Written Notice by Insurer to Claimant of Payment of Claim in Third-Party Settlement

  Upon the payment of $5,000.00 or more in settlement of any third-party liability claim, where the claimant is a natural person, the insurer or its representative shall provide written notice to the claimant at the same time payment is made by draft, check, or otherwise by such insurer or its representative, including the insurer's attorney, to the claimant's attorney or other representative of the claimant.   Nothing in subsection (a) of this Code section shall:   Create, or be construed to create, a cause of action for any person or entity, other than the Commissioner, against the insurer or its representative based upon a failure to serve such notice or the defective service of such notice;   Establish, or be construed to establish, a defense for any party to any cause of action based upon a failure by the insurer or its representative to serve such notice or the defective service of such notice; or   Invalidate or in any way affect the settlement for which the payment was made by the insurer.       (Code 1981, §33-24-41.2, enacted by Ga. L. 1993, p. 1048, § 1; Ga. L. 1994, p. 97, § 33; Ga. L. 2019, p. 386, § 50/SB 133.)    The 2019 amendment,  effective July 1, 2019, substituted the present provisions of subsection (b) for the former provisions, which read: "Nothing in subsection (a) of this Code section shall create, or be construed to create, a cause of action for any person or entity, other than the Commissioner of Insurance, against the insurer or its representative based upon a failure to serve such notice or the defective service of such notice. Nothing in subsection (a) of this Code section shall establish, or be construed to establish, a defense for any party to any cause of action based upon a failure by the insurer or its representative to serve such notice or the defective service of such notice. Nothing in subsection (a) of this Code section shall invalidate or in any way affect the settlement for which the payment was made by the insurer."
GA Code § 33-24-42 (2021)
2021 Georgia Code|Title 33 - Insurance|Chapter 24 - Insurance Generally|Article 1 - General Provisions|§ 33-24-42. Payment of Claims in Event of Simultaneous Deaths

 Where the individual insured or the annuitant and the beneficiary designated in a life insurance policy or policy insuring against accidental death or in an annuity contract have died and there is not sufficient evidence that they have died otherwise than simultaneously, the proceeds of the policy or contract shall be distributed as if the insured or annuitant had survived the beneficiary unless otherwise specifically provided in the policy or contract. Payment made in accordance with this Code section shall fully discharge the insurer from all claims under the policy or contract unless, before payment is made, the insurer has received at its home office written notice by or on behalf of some other person that the person claims to be entitled to the payment or some interest in the policy or contract.   (Code 1933, § 56-2426, enacted by Ga. L. 1960, p. 289, § 1.)   RESEARCH REFERENCES   ALR.    - Insurance: presumption and burden of proof as to accident in case of death from poison, 7 A.L.R. 1226.    Construction and application of statute respecting proceeds of life insurance in event of death of named beneficiary before insured, 167 A.L.R. 1021.
GA Code § 33-24-43 (2021)
2021 Georgia Code|Title 33 - Insurance|Chapter 24 - Insurance Generally|Article 1 - General Provisions|§ 33-24-43. Medium of Payment

 It shall be unlawful for any insurer to provide in a policy or contract of insurance that the face amount thereof or any loss or indemnity which may accrue thereunder shall be payable in anything other than legal tender of the United States to the beneficiary named in the policy or contract of insurance or to the legal representative of the insured; and any provision to the contrary shall be null and void, provided that this Code section shall not prevent property insurance policies from including an option to the insurer authorizing it to repair the damage incurred or paying the debtor the dollar amount thereof.   (Code 1933, § 56-9901, enacted by Ga. L. 1960, p. 289, § 1.)   OPINIONS OF THE ATTORNEY GENERAL   Contract with cemetery company providing for free burial spaces unlawful.   - When a private company engaged in the business of maintaining a cemetery and selling cemetery lots gives to each purchaser a supplemental written agreement to the effect that if any one or more of the purchaser's unmarried children between the ages of one and 19 die, then the cemetery company will furnish without cost such space or spaces for interment of the deceased child or children, provided that at that time no installment payments on the lot purchase agreement are in arrears, the contract is a contract of insurance, and such a contract may not be lawfully made by a concern which is not licensed to engage in the life insurance business, in view of this section. 1963-65 Op. Att'y Gen. p. 367.   Licensed or unlicensed insurance company or agent may not sell policies which designate the person to conduct the funeral of the insured, restrict the right to purchase funeral services in the open market, or provide for payment in funeral services, merchandise, or other than legal tender of the United States. 1945-47 Op. Att'y Gen. p. 366.
GA Code § 33-24-48 (2021)
2021 Georgia Code|Title 33 - Insurance|Chapter 24 - Insurance Generally|Article 1 - General Provisions|§ 33-24-48. Acceptance of Surety Insurance Companies as Sureties Upon Bonds of Persons or Corporations; Rights and Liabilities of Corporate Sureties

 Any surety insurance company or any other corporation or company that may do a surety insurance business, incorporated and organized under the laws of this state or of any other state or a foreign country for the purpose of transacting the business of surety insurance, which has complied with all requirements of law for license to transact business in this state, upon proper proof of compliance and upon production of evidence of solvency and credit satisfactory to the judge, head of the department, or other officer or officers authorized to approve and accept bonds, may be accepted as surety upon the bond of any person, company, or corporation required by law to execute bonds in lieu of any surety or sureties otherwise required by law. Any surety insurance company or other company doing a surety insurance business may be released from its liability on the bond on the same terms and conditions as are prescribed by law for the release of individuals, it being the purpose of this Code section to enable the companies and corporations doing a surety insurance business to become sureties on all bonds required by law to be taken with all the rights and subject to all the liabilities of individual sureties.   (Ga. L. 1887, p. 108, § 2; Civil Code 1895, § 2142; Civil Code 1910, § 2551; Code 1933, § 56-1102; Code 1933, § 56-2435, enacted by Ga. L. 1960, p. 289, § 1.)   Law reviews.   - For article analyzing problems and obligation of parties in personal suretyship, see 5 Mercer L. Rev. 289 (1954).   OPINIONS OF THE ATTORNEY GENERAL   At least one corporate surety required for full amount of bond.    - Requirement of two sureties under former Code 1933, § 24-2607 (see O.C.G.A. § 15-16-5) was to ensure that any recovery against the sheriff could be satisfied by either of two sureties who were each jointly and severally liable for the full amount of the statutorily fixed bond penalty; it was thus more than clear that under former Code 1933, §§ 56-2435 and 89-415 and Ga. L. 1951, p. 741, § 1 (see O.C.G.A. §§ 33-24-48,45-4-6, and45-4-7), there must be one bond in the penal sum fixed by statute and at least one corporate surety for the full amount of the bond. 1976 Op. Att'y Gen. No. 76-31.   RESEARCH REFERENCES   ALR.   - Authority of officer or agent to bind corporation as guarantor or surety, 34 A.L.R.2d 290.
GA Code § 33-24-49 (2021)
2021 Georgia Code|Title 33 - Insurance|Chapter 24 - Insurance Generally|Article 1 - General Provisions|§ 33-24-49. Deposit of Funds Covered by Bonds

 It shall be lawful for any party of whom a bond, undertaking, or other obligation is required to agree with his surety or sureties for the deposit of any or all moneys and assets for which he and his surety or sureties are or may be held responsible with a bank, savings bank, safe-deposit, or trust company authorized by law to do business as such or with such other depository as approved by the court or a judge of the court, if the deposit is otherwise proper, for the safekeeping of the moneys or assets. The agreement shall prevent the withdrawal of the moneys or assets or any part of the moneys or assets without the written consent of the surety or sureties or an order of the court or a judge of the court made on notice to the surety or sureties as the court or judge may direct; provided, however, that the agreement shall not in any manner release from or change the liability of the principal or sureties as established by the terms of the said bond.   (Code 1933, § 56-2436, enacted by Ga. L. 1960, p. 289, § 1.)
GA Code § 33-24-52 (2021)
2021 Georgia Code|Title 33 - Insurance|Chapter 24 - Insurance Generally|Article 1 - General Provisions|§ 33-24-52. Direct Response Insurance Business

  For the purposes of this Code section, "direct response insurance business" means the solicitation, delivery, and servicing of group or individual life or accident and sickness insurance policies in this state, other than franchise insurance policies or other policies sold through a third party, travel life or accident insurance policies, or life or accident and sickness insurance policies sold or issued in connection with an extension of credit, under a general mode of business in which there is no face-to-face contact between the insured and an agent or other representative of the insurer.   Any foreign or alien insurer who conducts a direct response insurance business in this state shall:   Maintain a registered agent for service of process who is a resident of this state; and   Maintain an office within this state, accept collect telephone calls from its direct response insurance policyholders, or provide toll free telephone service to such policyholders in order to provide information and assistance to such policyholders and their beneficiaries.     Any insurer providing collect or toll free telephone service pursuant to this Code section shall notify its direct response insurance policyholders in writing of the applicable telephone number or numbers and of any subsequent changes in the telephone number or numbers within 90 days of such change.     (Code 1981, §33-24-52, enacted by Ga. L. 1987, p. 1054, § 1.)
GA Code § 33-24-54 (2021)
2021 Georgia Code|Title 33 - Insurance|Chapter 24 - Insurance Generally|Article 1 - General Provisions|§ 33-24-54. Payments to Nonparticipating or Nonpreferred Providers of Health Care Services

  Notwithstanding any provisions of Code Sections 33-1-3, 33-1-5, and 33-24-17 and Chapter 20 of this title or any other provisions of this title which might be construed to the contrary, whenever an accident and sickness insurance policy, subscriber contract, or self-insured health benefit plan, by whatever name called, which is issued or administered by a person licensed under this title provides that any of its benefits are payable to a participating or preferred provider of health care services licensed under the provisions of Chapter 4 of Title 26 or of Chapter 9, 11, 30, 34, 35, or 39 of Title 43 or of Chapter 11 of Title 31 for services rendered, the person licensed under this title shall be required to pay such benefits either directly to any similarly licensed nonparticipating or nonpreferred provider who has rendered such services, has a written assignment of benefits, and has caused written notice of such assignment to be given to the person licensed under this title or jointly to such nonparticipating or nonpreferred provider and to the insured, subscriber, or other covered person; provided, however, that in either case the person licensed under this title shall be required to send such benefit payments directly to the provider who has the written assignment. When payment is made directly to a provider of health care services as authorized by this Code section, the person licensed under this title shall give written notice of such payment to the insured, subscriber, or other covered person.   Nothing contained in this Code section shall be deemed to prohibit the payment of different levels of benefits or from having differences in coinsurance percentages applicable to benefit levels for services provided by participating or preferred providers and nonparticipating or nonpreferred providers as otherwise authorized under the provisions of Code Sections 33-30-20 through 33-30-27.   Payments made by a person licensed under this title under subsection (a) of this Code section to a nonparticipating or nonpreferred provider or jointly to the provider and the insured, subscriber, or other covered person shall discharge such person's obligation with respect to the amount so paid.   The provisions of this Code section shall not apply to credit insurance, disability income insurance, or limited accident and sickness policies such as hospital indemnity policies, specified disease policies, limited accident policies, or similar limited policies.     (Code 1981, §33-24-54, enacted by Ga. L. 1992, p. 1184, § 2; Ga. L. 2006, p. 652, § 4/HB 1257.)