reglab/statecodes huggingface dataset:
Connecticut Administrative Code › Title 38a - Insurance Department › 740 - Surplus Lines Insurers › Section 38a-740-10 - Actual financial condition and claim practices of eligible surplus lines insurers

Current through July 10, 2024
Nothing in sections
				38a-740-1 to
				38a-740-9, inclusive, of the
				Regulations of Connecticut State Agencies shall be deemed to impose on the
				commissioner any duty or responsibility to determine the actual financial
				condition or claims practices of any unauthorized insurer; and the status of
				being an eligible surplus lines insurer, if granted by the commissioner, shall
				be construed to mean only that the insurer appears to be sound financially and
				to have satisfactory claims practices, and that the commissioner has no
				credible evidence to the contrary.
Connecticut Administrative Code › Title 38a - Insurance Department › 740 - Surplus Lines Insurers › Section 38a-740-11 - Fees

Current through July 10, 2024
(a) Upon the initial filing of the material
			 required by section
			 38a-740-4 of the Regulations of
			 Connecticut State Agencies, each eligible insurer shall pay to the commissioner
			 a nonrefundable fee of one thousand dollars by check or money order made
			 payable to the Treasurer, State of Connecticut.
(b) On or before the first day of May of each
			 year after the initial filing of the material required by section
			 38a-740-4 of the Regulations of
			 Connecticut State Agencies, each insurer authorized as an eligible surplus
			 lines insurer pursuant to section
			 38a-740-4 of the Regulations of
			 Connecticut State Agencies remaining on the list of eligible surplus lines
			 insurers published pursuant to section
			 38a-740-8 of the Regulations of
			 Connecticut State Agencies, shall pay to the commissioner an annual fee of
			 sixty three dollars by check or money order made payable to the Treasurer,
			 State of Connecticut.
Connecticut Administrative Code › Title 38a - Insurance Department › 769 - Public Adjusters › Section 38a-769-1 to 38a-769-8 - Transferred

Current through July 10, 2024
Transferred, June 22, 1995.
Former
						  Section
New
						  Section
38a-769-1
38a-788-1
38a-769-2
38a-788-2
38a-769-3
38a-788-3
38a-769-4
38a-788-4
38a-769-5
38a-788-5
38a-769-6
38a-788-6
38a-769-7
38a-788-7
38a-769-8
38a-788-8
Connecticut Administrative Code › Title 38a - Insurance Department › 782a - Continuing Education of Insurance Producers › Section 38a-782a-1 - Definitions

Current through July 10, 2024
As used in sections 38a-782a-1 to
				38a-782a-17,
				inclusive, of the Regulations of Connecticut State Agencies:
(1) "Audit" means:
(A) department or designee activity to
			 monitor the offering of courses or examinations, including visits to
			 classrooms, test sites, and administrative offices where documentation of
			 individual attendance and completion records, and documentation of instructor
			 qualifications pursuant to section
			 38a-782a-6
			 are maintained; and
(B)
			 re-evaluating approved classroom course and seminar outlines, and self-study
			 programs based on current guidelines;
Connecticut Administrative Code › Title 38a - Insurance Department › 782a - Continuing Education of Insurance Producers › Section 38a-782a-2 - Requirements for licensees

Current through July 10, 2024
(a) Every resident
			 and nonresident producer shall furnish evidence to the commissioner in a manner
			 prescribed by the commissioner that the continuing education requirements of
			 this regulation have been satisfied.
(b) Except as provided by section
			 38a-782a-13 of the Regulations of
			 Connecticut State Agencies, all producers shall complete a minimum of
			 twenty-four hours of continuing education credits each biennium, of which a
			 minimum of three credit hours of Connecticut insurance law and regulations, or
			 ethics are required. Instructors of approved continuing education courses shall
			 earn the same number of credit hours for instructing as the students receive
			 for successfully completing the course.
Connecticut Administrative Code › Title 38a - Insurance Department › 782a - Continuing Education of Insurance Producers › Section 38a-782a-3 - Administration of continuing education

Current through July 10, 2024
(a) The
			 commissioner may contract with a competent person to (1) review sponsor
			 qualifications, course content and credit hours assignment for continuing
			 education courses; (2) record successful completion of the course by producers;
			 and (3) perform other pertinent services deemed appropriate by the
			 commissioner. The commissioner shall approve sponsor registration, courses and
			 assignment of credit hours to approved courses. If the commissioner contracts
			 with a competent person or corporation for the administration of the continuing
			 education program, that person or corporation may charge the participating
			 sponsors and producers reasonable fees, subject to the approval of the
			 Insurance Department, for services rendered.
Connecticut Administrative Code › Title 38a - Insurance Department › 782a - Continuing Education of Insurance Producers › Section 38a-782a-4 - Sponsor responsibilities

Current through July 10, 2024
(a) Each sponsor of
			 a continuing education course shall submit an application to the department or
			 its designee on a form prescribed by the commissioner, including the name and
			 address of the applicant; an application for one or more courses; and any other
			 information requested by the commissioner.
(b) Each sponsor is responsible for obtaining
			 approval for its continuing education courses; verifying the qualifications of
			 instructors; providing course schedules; monitoring classroom attendance;
			 supervising and evaluating courses and instructors; investigating complaints
			 regarding courses and instructors; administering examinations where applicable;
			 and submitting, within fifteen (15) calendar days of the completion of a
			 course, course attendance and completion rosters and other information required
			 by the department.
(c) Sponsors
			 shall retain course attendance and completion records for four years.
(d) Sponsors shall comply with the Americans
			 With Disabilities Act and all applicable state and federal equal employment
			 opportunity and safety requirements.
(e) Each sponsor shall publish and abide by a
			 refund policy which is subject to approval by the department.
(f) Each sponsor shall provide to each
			 student upon completion of a course a certificate showing (1) the date on which
			 the course was completed; (2) the attendance percentage of the course achieved
			 by the student; and, (3) the course name and number, and the sponsor's name and
			 number.
Connecticut Administrative Code › Title 38a - Insurance Department › 782a - Continuing Education of Insurance Producers › Section 38a-782a-5 - Course approval

Current through July 10, 2024
(a) Each course
			 shall be approved by the commissioner prior to the initial course offering, and
			 before any advertisement of, or solicitation for, the course is effected. It is
			 the sponsor's responsibility to provide an acceptable application on a form
			 approved by the commissioner for a course to be approved. The application shall
			 include a detailed course content outline and the sponsor's tuition and fee
			 refund policy. The department shall not be liable to the sponsor for any action
			 taken or any expense incurred by the sponsor, such as advertising costs, in
			 anticipation of course approval. The department will approve a course as an
			 acceptable continuing education program if it:
(1) Is a formal program of learning which
			 contributes directly to the professional competence of a producer;
(2) is not defined under this section as a
			 "not approved" course;
(3) has
			 significant intellectual or practical content to enhance and improve the
			 knowledge of the participants with regard to subjects of insurance;
(4) includes evaluation and assessment
			 methods;
(5) is classified based on
			 the level of ability required to benefit from the course as basic,
			 intermediate, or advanced;
(6)
			 includes a bibliography or reference sources, if any; and
(7) includes a list and sample of
			 supplemental teaching aids, if any.
Connecticut Administrative Code › Title 38a - Insurance Department › 782a - Continuing Education of Insurance Producers › Section 38a-782a-6 - Instructor qualifications

Current through July 10, 2024
(a) Sponsors shall
			 select qualified instructors for continuing education courses possessing at
			 least two of the following qualifications:
(1)
			 A minimum of three years working experience in the subject matter being
			 taught;
(2) two teaching
			 experiences certified by the sponsor;
(3) a professional designation from a
			 recognized industry organization or association;
(4) a degree or certificate from an
			 accredited school in the subject matter being taught;
(5) specialized knowledge in the subject
			 matter being taught.
Connecticut Administrative Code › Title 38a - Insurance Department › 782a - Continuing Education of Insurance Producers › Section 38a-782a-7 - Self-study courses

Current through July 10, 2024
Self-study courses may receive continuing education approval
				provided they include an examination on course material approved by the
				commissioner and administered by an impartial and disinterested person who
				shall not be in the direct line of supervision of any person taking the
				examination, nor have any financial interest in the success of any person
				taking the examination.
Connecticut Administrative Code › Title 38a - Insurance Department › 782a - Continuing Education of Insurance Producers › Section 38a-782a-8 - Attendance

Current through July 10, 2024
(a) The producer shall present a picture
			 identification to the course administrator upon admittance to the
			 course.
(b) If six credit hours or
			 less are assigned to a course, the producer shall attend one hundred percent of
			 the course to receive any credit hours.
(c) If more than six credit hours are
			 assigned to a course for which there is no examination, and the producer
			 attends one hundred percent of the course, the producer shall receive one
			 hundred percent of the credit hours assigned to the course.
(d) If more than six credit hours are
			 assigned to a course for which there is no examination and the producer attends
			 at least seventy percent of the course the producer shall receive seventy
			 percent of the credit hours assigned to the course.
(e) If more than six credit hours are
			 assigned to a course for which there is an examination, and the producer passes
			 the examination for the course and attends at least seventy percent of the
			 course, the producer shall receive one hundred percent of the credit hours
			 assigned to the course.
(f) If more
			 than six credit hours are assigned to a course for which there is an
			 examination, and the producer does not pass the examination for the course but
			 attends at least seventy percent of the course, the producer shall receive
			 seventy percent of the credit hours assigned to the course.
(g) Credit hours per course granted under
			 this section shall be rounded up to the nearest whole number.
(h) A producer shall not receive any
			 additional credit for courses that the producer has previously completed, and
			 for which credits have previously been received, in the same
			 biennium.
Connecticut Administrative Code › Title 38a - Insurance Department › 782a - Continuing Education of Insurance Producers › Section 38a-782a-9 - Advertising

Current through July 10, 2024
(a) Courses shall not be advertised as
			 approved for continuing education credit unless such approval has been granted
			 by the commissioner in writing.
(b)
			 When a course has been approved for continuing education credit and is
			 advertised as such, the advertising shall include:
(1) the sponsor name and course
			 title;
(2) the statement "Approved
			 by the State of Connecticut Insurance Department for insurance producer
			 continuing education credit";
(3)
			 the number of approved credit hours;
(4) the type of licensee for whom the course
			 would be most applicable; and
(5)
			 all fees and associated expenses.
Connecticut Administrative Code › Title 38a - Insurance Department › 782a - Continuing Education of Insurance Producers › Section 38a-782a-11 - Advisory board

Current through July 10, 2024
The commissioner shall appoint an advisory board to recommend
				reasonable rules to the commissioner for promulgation of regulations pursuant
				to section
				38a-782a
				of the Connecticut General Statutes. The commissioner may adopt, reject, or
				modify such recommendations. The board shall periodically make recommendations
				to the commissioner regarding development of criteria relating to the awarding
				of contracts for continuing education; offer guidance regarding approval or
				disapproval of courses, credit hours, qualifications of course sponsors and
				instructors; recommend changes to sections
				38a-782a-1 through
				38a-782a-17,
				inclusive, of the Regulations of Connecticut State Agencies; and perform other
				services requested by the commissioner. The board shall be comprised of twelve
				members from the insurance industry, and from the education and the producer
				community to be selected by the commissioner.
Connecticut Administrative Code › Title 38a - Insurance Department › 782a - Continuing Education of Insurance Producers › Section 38a-782a-12 - Extension

Current through July 10, 2024
Except in the case of a licensed insurance producer who is
				unable to comply with the continuing education requirements of sections
				38a-782a-1 to
				38a-782a-17,
				inclusive, of the Regulations of Connecticut State Agencies due to military
				service, a producer shall not be entitled to any extensions of time in which to
				complete the continuing education requirements.
Connecticut Administrative Code › Title 38a - Insurance Department › 782a - Continuing Education of Insurance Producers › Section 38a-782a-13 - Exemptions

Current through July 10, 2024
(a) Producers who seek reinstatement of their
			 license within one year after the license expiration date shall be required to
			 complete any deficient continuing education credit hours for the previous
			 biennium and successfully complete twenty four credit hours of continuing
			 education during the current biennium.
(b) Producers who become Connecticut
			 residents and are granted a license based on their previous home state
			 licensure shall not be required to complete Connecticut continuing education
			 during the initial biennium.
(c)
			 Producers who hold a license in states requiring continuing education for their
			 insurance producers, and who furnish evidence of their compliance with the
			 continuing education requirements in such states are exempt from meeting this
			 state's continuing education requirements provided that the insurance
			 supervisory official of the state in which the producer completes the
			 continuing education requirements will grant similar exemptions to Connecticut
			 residents licensed therein who have satisfied Connecticut's continuing
			 education requirements.
(d)
			 Producers whose only line of authority is (1) credit insurance, which includes
			 credit life, credit accident and health, and mortgage guaranty, or (2) travel
			 accident and travel baggage insurance are exempt from the twenty-four hours of
			 continuing education credits requirement of section
			 38a-782a-2
			 of the Regulations of Connecticut State Agencies.
(e) Producers whose licenses are renewed by
			 the commissioner for one year according to the transitional process outlined in
			 section
			 38a-784
			 of the Supplement to the General Statutes shall be required to complete twelve
			 credit hours of continuing education during the transitional period.
Connecticut Administrative Code › Title 38a - Insurance Department › 782a - Continuing Education of Insurance Producers › Section 38a-782a-14 - Failure to comply

Current through July 10, 2024
(a) Failure of a
			 producer to satisfy the requirements of this regulation by the last day of the
			 biennium applicable to such producer by obtaining the continuing education
			 credits required by sections
			 38a-782a-1 to
			 38a-782a-17,
			 inclusive, of the Regulations of Connecticut State Agencies shall result in the
			 nonrenewal of his or her insurance producer license, unless such producer has
			 been granted an extension pursuant to section
			 38a-782a-12. The
			 commissioner shall not refuse to renew the license of a producer who fails to
			 comply with the continuing education requirements unless the commissioner has
			 provided thirty days' written notice of such impending action to such producer.
			 During the thirty day notice period, the producer may provide proof of
			 compliance with the continuing education requirements of sections
			 38a-782a-1 to
			 38a-782a-17,
			 inclusive of the Regulations of Connecticut State Agencies in a manner and form
			 acceptable to the commissioner.
(b)
			 No resident or nonresident producer whose license has been nonrenewed for
			 failure to comply with the continuing education requirements shall apply for
			 reinstatement of his or her license unless the producer has successfully
			 completed the continuing education requirements for the period.
(c) Completion of such requirements and
			 reinstatement of a producer's license shall not reduce the producer's
			 continuing education requirements for the biennium next following the
			 reinstatement.
Connecticut Administrative Code › Title 38a - Insurance Department › 782a - Continuing Education of Insurance Producers › Section 38a-782a-15 - Appeals

Current through July 10, 2024
(a) The commissioner shall provide, pursuant
			 to section
			 38a-19
			 of the Connecticut General Statutes, a reasonable means whereby any person
			 aggrieved by the action of the commissioner with respect to the enforcement of
			 sections 38a-782-1 through 38a-782-17, inclusive, of the Regulations of
			 Connecticut State Agencies may be heard, in person or by an authorized
			 representative, to review the grievance.
(b) Any person aggrieved by an action of the
			 commissioner after an appeal under subsection (a) of this section may appeal in
			 accordance with the provisions of section
			 4-183 of
			 the Connecticut General Statutes.
Connecticut Administrative Code › Title 38a - Insurance Department › 782a - Continuing Education of Insurance Producers › Section 38a-782a-16 - Sanctions

Current through July 10, 2024
(a) The commissioner may deny, suspend or
			 revoke approval of a sponsor or course if the sponsor, instructor or course is
			 not in compliance with sections
			 38a-782a-1 to
			 38a-782a-17,
			 inclusive, of the Regulations of Connecticut State Agencies.
(b) Any of the following shall constitute
			 cause for administrative action under section
			 38a-774
			 of the Connecticut General Statutes:
(1) a
			 determination by the commissioner that a sponsor
(A) has failed to maintain continuing
			 education course completion records for the current and preceding biennium;
			 or
(B) has failed to submit course
			 attendance and completion rosters as provided by section
			 38a-782a-4(b)
			 of the Regulations of Connecticut State Agencies; or
Connecticut Administrative Code › Title 38a - Insurance Department › 782a - Continuing Education of Insurance Producers › Section 38a-782a-17 - Hearing costs

Current through July 10, 2024
The cost for the transcript of any hearing resulting from the
				failure of a producer to successfully complete the continuing education
				requirements, or requested by a producer or sponsor aggrieved by a decision of
				the commissioner concerning a violation of sections
				38a-782a-1 to
				38a-782a-17, inclusive, of the Regulations of Connecticut State Agencies shall
				be borne by the producer or sponsor.
Connecticut Administrative Code › Title 38a - Insurance Department › 788 - Public Adjusters › Section 38a-788-2 - Definitions

Current through July 10, 2024
(a) "Public adjuster" means any person,
			 partnership, association or corporation who or which practices as a business
			 the adjusting of loss or damage by fire or other hazard under any policies of
			 insurance in behalf of the insured under such policies, or who advertises or
			 solicits business as such adjuster, or holds himself out to the public as
			 engaging in such adjusting as a business.
(b) "Employment Contract" refers to that
			 contract between a public adjuster and a client mandated by Section
			 38a-788 of
			 the Connecticut General Statutes.
Connecticut Administrative Code › Title 38a - Insurance Department › 788 - Public Adjusters › Section 38a-788-3 - Prohibited practices

Current through July 10, 2024
(a) No public
			 adjuster shall pay any money or give anything of value to any person in
			 consideration of a direct or indirect referral of a client or potential
			 client.
(b) No public adjuster
			 shall pay any money or give anything of value to any person as an inducement to
			 refer business or clients.
(c) No
			 public adjuster shall rebate to a client any part of a fee specified in any
			 employment contract.
(d) No public
			 adjuster shall solicit a client between the hours of 8 p.m. and 8
			 a.m.
(e) No public adjuster shall
			 split his fee or pay any money to any person for services rendered to a client
			 unless such other person is also licensed as a public adjuster.
(f) No public adjuster shall have any
			 interest directly or indirectly in any construction firm, salvage firm, or
			 appraisal firm. The word "firm" includes any corporation, partnership,
			 association or individual.
(g) No
			 public adjuster shall, in connection with the transaction of his business as a
			 public adjuster, make any misrepresentation of facts or advise any person on
			 any question of law.
(h) No public
			 adjuster shall make any false statements about any insurance company or its
			 employees, agents or representatives.
(i) No public adjuster shall solicit
			 employment of a client in connection with any loss which is the subject of an
			 employment contract with another public adjuster.
(j) No public adjuster shall represent both
			 an insurer and insured simultaneously.
(k) No public adjuster shall advance any
			 monies to a client pending the settlement of a loss where such amount would be
			 included in a final settlement.
Connecticut Administrative Code › Title 38a - Insurance Department › 788 - Public Adjusters › Section 38a-788-4 - Disclosures

Current through July 10, 2024
(a) A public adjuster shall disclose in
			 writing to the client any interest the public adjuster has in loss proceeds
			 other than those acquired by his employment contract.
(b) A public adjuster in soliciting a client
			 for employment shall display his license and immediately inform such client
			 that the adjuster does not represent any insurance company, or insurance
			 company adjusting firm. The adjuster shall inform such client that his services
			 are available for a fee to be paid by the client, and shall give such client a
			 card identifying the public adjuster and specifying on such card the amount of
			 fee charged by the public adjuster.
Connecticut Administrative Code › Title 38a - Insurance Department › 788 - Public Adjusters › Section 38a-788-7 - Records: contracts

Current through July 10, 2024
(a) All public
			 adjusters shall maintain an office which shall contain the records of all
			 documents pertaining to the settlement of the claim and files of all clients
			 and said records shall be available for inspection by any duly authorized
			 Examiner or employee of the Insurance Department. Such record will be kept by
			 the public adjuster for a period of at least 5 years following the ending of
			 the contracted employment period.
(b) All employment contracts used by public
			 adjusters to be valid shall be signed by an insured and property owner of the
			 property involved, or their duly authorized agent or representative.
Connecticut Administrative Code › Title 38a - Insurance Department › 790 - Conduct of Motor Vehicle Physical Damage Appraisers › Section 38a-790-1 - Definitions

Current through July 10, 2024
As used in sections
				38a-790-2 to
				38a-790-8
				inclusive:
(1) "Appraiser" means a
			 motor vehicle physical damage appraiser licensed under the provisions of
			 section
			 38a-790
			 of the 1969 supplement to the general statutes;
(2) "repair shop" means any location licensed
			 by the motor vehicle department under section
			 14-52
			 of said supplement except a "limited repairer."
Connecticut Administrative Code › Title 38a - Insurance Department › 790 - Conduct of Motor Vehicle Physical Damage Appraisers › Section 38a-790-2 - Display of license

Current through July 10, 2024
Each appraiser, while engaged in appraisal duties, shall carry
				the license issued to him by the insurance department and shall display it,
				upon request, to an owner whose vehicle is being inspected, to the repair shop
				representative involved or to any authorized representative of the insurance
				department.
Connecticut Administrative Code › Title 38a - Insurance Department › 790 - Conduct of Motor Vehicle Physical Damage Appraisers › Section 38a-790-3 - Agreement on repair price

Current through July 10, 2024
An appraiser may agree on a price for repairing a damaged motor
				vehicle only with a repair shop, as so defined, unless the damaged vehicle is
				located and will be repaired outside of the state of
				Connecticut.
Connecticut Administrative Code › Title 38a - Insurance Department › 790 - Conduct of Motor Vehicle Physical Damage Appraisers › Section 38a-790-4 - Copy of appraisal left with repair shop

Current through July 10, 2024
The appraiser shall leave a legible copy of his appraisal with
				the repair shop selected to make the repairs, which appraisal shall contain the
				name of the insurance company ordering it, if any, the insurance file number,
				the number of the appraiser's license and the proper identification number of
				the vehicle being inspected. All unrelated or old damage should be clearly
				indicated on the appraisal.
Connecticut Administrative Code › Title 38a - Insurance Department › 790 - Conduct of Motor Vehicle Physical Damage Appraisers › Section 38a-790-5 - Competitive estimates

Current through July 10, 2024
If the appraiser and the repair shop fail to agree on a price
				for repairs, the appraiser shall not obtain a competitive estimate from another
				repair shop unless the owner of such other shop, or his authorized agent, has
				inspected the vehicle. No such competitive estimates shall be obtained by the
				use of photographs, telephone calls or in any manner other than a personal
				inspection.
Connecticut Administrative Code › Title 38a - Insurance Department › 790 - Conduct of Motor Vehicle Physical Damage Appraisers › Section 38a-790-8 - Code of ethics

Current through July 10, 2024
Every appraiser shall:
(1) Conduct himself in such a manner as to
			 inspire public confidence by fair and honorable dealings;
(2) approach the appraisal of damaged
			 property without prejudice against, or favoritism toward, any party involved in
			 order to make fair and impartial appraisals;
(3) disregard any efforts on the part of
			 others to influence his judgment in the interest of the parties
			 involved;
(4) prepare an
			 independent appraisal of damage. No appraiser shall:
(A) Receive directly or indirectly any
			 gratuity or other consideration in connection with his appraisal services from
			 any person except his employer or, if self-employed, his customer;
(B) traffic in automobile salvage if such
			 salvage is obtained in any way as a result of appraisal services rendered by
			 him.
Connecticut Administrative Code › Title 38a - Insurance Department › 792 - Casualty Adjusters › Section 38a-792-1 - Adjusters required to be licensed

Current through July 10, 2024
Adjusters of casualty claims requiring a license under section
				38a-792
				of the general statutes shall include the following:
(a) All adjusters who settle personal injury
			 or death claims arising out of automobile accidents;
(b) all adjusters settling claims arising out
			 of premises/operations liability insurance policies;
(c) all adjusters handling claims arising
			 under the workers' compensation law or otherwise covering the relationship
			 between master and servant;
(d) all
			 adjusters handling property damage claims, including automobile collision
			 losses;
(e) all adjusters handling
			 personal injury or death cases arising out of the violation of any common law
			 or statutory duty not included in the above classes.
Connecticut Administrative Code › Title 38a - Insurance Department › 792 - Casualty Adjusters › Section 38a-792-3 - Settlement of small property damage losses by agents

Current through July 10, 2024
Any licensed agent of any insurance company who has authority
				to settle losses not exceeding one thousand five hundred dollars when such
				losses are property damage losses need not be licensed under section
				38a-792
				of the Connecticut General Statutes so long as he is licensed as a
				producer.
Connecticut Administrative Code › Title 38a - Insurance Department › 792 - Casualty Adjusters › Section 38a-792-4 - National standards

Current through July 10, 2024
Except to the extent that they may be modified or extended by
				state statutes or regulations, casualty adjusters, in respect to their rights
				and duties in the business of adjusting insurance claims, shall be guided by
				the Connecticut Unfair Insurance Practices Act, Section
				38a-816(6)
				of the General Statutes, the regulations implementing its provisions, and the
				Code of Ethics as established by the National Association of Independent
				Insurance Adjusters, as amended from time to time.
Connecticut Administrative Code › Title 38a - Insurance Department › 792 - Casualty Adjusters › Section 38a-792-5 - Notice of offer of compromise or rejection of claim

Current through July 10, 2024
In view of the fact that the statute of limitations applies on
				the time for suit in negligence cases, it is suggested that, even if there
				might be no legal duty on the part of an adjuster so to inform the claimant,
				nevertheless in personal injury cases if the adjuster has interviewed the
				claimant within thirty days before the expiration of the statute of limitations
				without a settlement, fair practice and public ethics require that the adjuster
				should not mislead the claimant into believing that there might be a settlement
				prior to the expiration of the statute of limitations, and notice of an offer
				of compromise or rejection of claim should be definite.
Connecticut Administrative Code › Title 38a - Insurance Department › 799 - Sale of Insurance Policies by Car Rental Agencies › Section 38a-799-1 - Definitions

Current through July 10, 2024
As used in sections 38a-799-1 through
				38a-799-9, inclusive,
				of the Regulations of Connecticut State Agencies:
(1) "Applicant" means a rental company
			 seeking a permit from the commissioner to sell insurance in conjunction with
			 the rental of vehicles;
(2)
			 "Commissioner" means the Insurance Commissioner of the State of
			 Connecticut;
(3) "Calendar quarter"
			 means a three month period beginning on January 1, April 1, July 1 and October
			 1 of each year ;
(4) "Department"
			 means the Connecticut Insurance Department ;
(5) "Permit" means a certificate of authority
			 granted to a rental company by the commissioner authorizing such rental company
			 to offer certain kinds of insurance in conjunction with the rental of
			 vehicles;
(6) "Permittee" means a
			 rental company authorized, pursuant to sections 38a-799-1 through
			 38a-799-9, inclusive,
			 of the Regulations of Connecticut State Agencies, to sell the categories of
			 insurance enumerated in subsection (b) of section 38a-799 of the Connecticut
			 General Statutes in connection with the rental of vehicles;
(7) "Rental agreement" means rental agreement
			 as defined by section 38a-799 of the Connecticut General Statutes;
(8) "Rental company" means rental company as
			 defined by section 38a- 799 of the Connecticut General Statutes;
(9) "Renter" means renter a s defined by
			 section 38a-799 of the Connecticut General Statutes; and
(10) "Vehicle" means vehicle as defined by
			 section 38a-799 of the Connecticut General Statutes.
Connecticut Administrative Code › Title 38a - Insurance Department › 799 - Sale of Insurance Policies by Car Rental Agencies › Section 38a-799-2 - Categories

Current through July 10, 2024
(a) No rental company may offer for sale any
			 categories of insurance products other than the categories set forth in
			 subsection (b) of section 1 of Public Act 99-127.
(b) No rental company may offer for sale any
			 insurance products unless such products are issued by an insurance company
			 authorized to do business in this state and unless policy forms and premium
			 rates for such products have been filed by such insurance company with, or have
			 been approved by, the commissioner in accordance with the provisions of Title
			 38a of the general statutes.
Connecticut Administrative Code › Title 38a - Insurance Department › 799 - Sale of Insurance Policies by Car Rental Agencies › Section 38a-799-3 - Requirements for a permit

Current through July 10, 2024
(a) The
			 commissioner may issue to a rental company that has complied with sections
			 38a-799-1 through
			 38a-799-9, inclusive,
			 of the Regulations of Connecticut State Agencies a permit authorizing the
			 rental company to offer insurance coverage for sale in connection with the
			 rental of vehicles.
(b) An
			 applicant for a permit shall file with the commissioner (1) a written
			 application for a permit on a form approved by the commissioner and signed by
			 an officer, partner, owner or principal of the applicant; (2) a list of all
			 rental locations within this state in which the applicant conducts business and
			 in which insurance will be offered; (3) any and all appointment applications
			 with each authorized insurance company that the applicant will represent; and
			 (4) the fee specified in section
			 38a-11
			 of the Connecticut General Statutes. Permittees shall notify the commissioner,
			 in writing, of any change in the information provided pursuant to subdivisions
			 (1), (2) and (3) of this subsection no later than thirty days after the date of
			 such change.
(c) No permit shall be
			 issued or renewed by the commissioner unless the applicant submits all the
			 documentation set forth in subsection (b) of this section and the fees required
			 under section
			 38a-11
			 of the Connecticut General Statutes.
(d) A rental company granted a permit from
			 the commissioner shall maintain a list of all employees who engage in insurance
			 activities on its behalf. Such list shall be updated every time that the rental
			 company trains newly hired employees by conducting a training session required
			 pursuant to section
			 38a-799-6 of the
			 Regulations of Connecticut State Agencies or at the beginning of every calendar
			 quarter, whichever is earlier. Such list shall contain an employee's name,
			 social security number, date of hiring, date in which training took place and,
			 if applicable, date of termination of employment.
(e) A rental company shall maintain a copy of
			 all policy forms applicable to the insurance products available for sale
			 through the rental company and a record of the relevant period in which such
			 forms were available.
(f) A rental
			 company shall maintain a copy of the outline, description and summary of a
			 training program that meets the requirements of section
			 38a-799-5 of the
			 Regulations of Connecticut State Agencies.
Connecticut Administrative Code › Title 38a - Insurance Department › 799 - Sale of Insurance Policies by Car Rental Agencies › Section 38a-799-4 - Conditions

Current through July 10, 2024
(a) No permittee may offer any insurance
			 coverage under sections
			 38a-799-1 through
			 38a-799-9 of the
			 Regulations of Connecticut State Agencies unless the underlying period of the
			 rental agreement is sixty consecutive days or less.
(b) No permittee may offer any insurance
			 coverage unless such permittee holds a direct appointment, in writing, by an
			 insurance company authorized to transact business in this state, to solicit,
			 negotiate or effect contracts of insurance on behalf of such insurance
			 company.
(c) A permittee shall
			 maintain in plain sight at every rental location where insurance coverage is
			 offered, and give to all prospective renters who elect to purchase optional
			 insurance coverage, before insurance coverage is effected, brochures or other
			 written material that summarize, clearly and correctly in plain language
			 consistent with the provisions of chapter 699a of the general statutes, (1) all
			 terms, conditions and exclusions, if any, of the coverage offered, including
			 the identity of the insurance company that underwrites the coverage provided
			 and the process for filing a claim in the event of a loss to the renters who
			 elect to purchase such coverage; (2) the price, benefits, advantages and
			 limitations of the coverage offered; (3) that the insurance being offered to
			 renters may duplicate coverage already provided by a renter's personal
			 automobile insurance policy or by another source of coverage; and (4) that the
			 purchase by the renter of any kind of insurance offered pursuant to sections
			 38a-799-1 through
			 38a-799-9 of the
			 Regulations of Connecticut State Agencies is not required in order for a renter
			 to rent a vehicle.
(d) A rental
			 agreement shall contain, or have attached thereto, in ten point type or larger,
			 a summary of the following information:
(1)
			 terms, conditions and exclusions, if any, of the coverage offered, including
			 the identity of the insurance company underwriting the coverage provided and
			 the process for filing a claim in the event of a loss to the renters who elect
			 to purchase such coverage;
(2) the
			 price charged for insurance and the amount of coverage being
			 purchased;
(3) that the insurance
			 being offered to renters may duplicate coverage already provided by a renter's
			 personal automobile insurance policy or by another source of coverage;
			 and
(4) that the purchase by the
			 renter of any kind of insurance offered pursuant to the rental agreement is not
			 required in order for a renter to rent a vehicle.
Connecticut Administrative Code › Title 38a - Insurance Department › 799 - Sale of Insurance Policies by Car Rental Agencies › Section 38a-799-5 - Training

Current through July 10, 2024
(a) Each rental company offering insurance to
			 renters pursuant to sections
			 38a-799-1 through
			 38a-799-9 of the
			 Regulation of Connecticut State Agencies shall conduct a training program for
			 all employees who will act on behalf of the rental company with respect to the
			 marketing of insurance products to prospective renters.
(b) Each employee who will act on behalf of
			 the rental company with respect to the marketing of insurance to renters shall
			 receive instruction about the categories of insurance that the rental company
			 offers for sale. Such instruction shall (1) impart a general knowledge of all
			 the terms used in the insurance contracts marketed to renters; (2) provide a
			 general understanding of the nature, extent of coverage, conditions and
			 exclusions of the insurance products being offered; (3) provide instructions to
			 the employees to acknowledge to prospective renters that optional insurance
			 coverages are not required in order to rent a vehicle; (4) provide instructions
			 to employees to acknowledge to prospective renters that the insurance offered
			 may duplicate existing coverage; and (5) provide instructions to employees that
			 they may not hold themselves or the rental company out as licensed insurance
			 producers or agents.
Connecticut Administrative Code › Title 38a - Insurance Department › 799 - Sale of Insurance Policies by Car Rental Agencies › Section 38a-799-6 - Advertising

Current through July 10, 2024
No rental company granted a permit by the commissioner pursuant
				to sections
				38a-799-1 through
				38a-799-9, inclusive,
				of the Regulations of Connecticut State Agencies shall advertise, represent, or
				otherwise hold itself out as a licensed insurance producer or agent. No
				employee acting on behalf of a rental company with regard to the sale of
				insurance products to renters may advertise, represent or otherwise hold
				himself out as an insurance producer or agent, unless such employee holds a
				valid license in this state authorizing him to act as a
				producer.
Connecticut Administrative Code › Title 38a - Insurance Department › 799 - Sale of Insurance Policies by Car Rental Agencies › Section 38a-799-7 - Compensation

Current through July 10, 2024
No employee of a rental company may directly receive additional
				compensation, fees or commissions dependent on the premium received for placing
				insurance under the terms of the rental company's permit, except that a rental
				company may include the sale of insurance products in an overall performance
				compensation incentive plan for employees.
Connecticut Administrative Code › Title 38a - Insurance Department › 799 - Sale of Insurance Policies by Car Rental Agencies › Section 38a-799-8 - Records

Current through July 10, 2024
(a) All records pertaining to the transaction
			 of insurance by a rental company shall be retained by the rental company for a
			 period of not less than three years and shall be made available and open for
			 inspection to the commissioner or his representatives at any time during normal
			 business hours.
(b) The
			 commissioner may, at any time, require such information as the commissioner
			 deems necessary with respect to the business methods and insurance transactions
			 of a rental company granted a permit under sections
			 38a-799-1 through
			 38a-799-9 inclusive of
			 the Regulations of Connecticut State Agencies. Any information requested by the
			 commissioner pursuant to this subsection shall be furnished by the rental
			 company not later than fifteen days after receiving a written request
			 thereof.
Connecticut Administrative Code › Title 38a - Insurance Department › 799 - Sale of Insurance Policies by Car Rental Agencies › Section 38a-799-9 - Penalties

Current through July 10, 2024
(a) The commissioner, after reasonable notice
			 to and hearing of any rental company granted a permit under sections
			 38a-799-1 through
			 38a-799-9 inclusive of the Regulations of Connecticut State Agencies, may
			 suspend or revoke the permit for cause shown. In addition to or in lieu of
			 suspension or revocation, the commissioner may impose a fine not to exceed the
			 fine amount established in section 1 of public act 99-127.
(b) Any person aggrieved by the action of the
			 commissioner in revoking, suspending or refusing to grant or reissue a permit
			 or in imposing a fine may appeal therefrom, in accordance with the provisions
			 of section
			 4-183 of
			 the general statutes, except venue for such appeal shall be in the judicial
			 district of Hartford. Appeals under this section shall be privileged in respect
			 to the order of trial assignment.
(c) Pursuant to section
			 4-183 of
			 the general statutes, the filing of an appeal under this section shall not, of
			 itself, stay enforcement of the department's decision. An application for a
			 stay may be made to the department, to the court or to both. A stay, if
			 granted, shall be on appropriate terms.
Connecticut Administrative Code › Title 38a - Insurance Department › 819 - Unfair Insurance Practices: Advertisements of Accident and Sickness Insurance › Section 38a-819-1 - Purpose

Current through July 10, 2024
The purpose of these regulations is to assure truthful and
				adequate disclosure of all material and relevant information in the advertising
				of accident and sickness insurance. This purpose is intended to be accomplished
				by the establishment of, and adherence to, certain minimum standards and
				guidelines of conduct in the advertising of accident and sickness insurance in
				a manner which prevents unfair competition among insurers and is conducive to
				the accurate presentation and description to the insurance buying public of a
				policy of such insurance offered through various advertising
				media.
Connecticut Administrative Code › Title 38a - Insurance Department › 819 - Unfair Insurance Practices: Advertisements of Accident and Sickness Insurance › Section 38a-819-2 - Applicability

Current through July 10, 2024
A. These regulations shall apply to any
			 accident and sickness insurance "advertisement" as that term is hereinafter
			 denied in Sections
			 38a-819-3 A, G, H,
			 and I, unless otherwise specified in these regulations, intended for
			 presentation, distribution or dissemination in this state when such
			 presentation, distribution or dissemination is made either directly or
			 indirectly by or on behalf of an insurer, agent, broker, or solicitor as those
			 terms are defined in the Insurance Code of this State and these
			 rules.
B. Every insurer shall
			 establish and at all times maintain a system of control over the content, form
			 and method of dissemination of all advertisements of its policies. All such
			 advertisements, regardless of by whom written, created, designed or presented,
			 shall be the responsibility of the insurer whose policies are so
			 advertised.
Connecticut Administrative Code › Title 38a - Insurance Department › 819 - Unfair Insurance Practices: Advertisements of Accident and Sickness Insurance › Section 38a-819-3 - Definitions

Current through July 10, 2024
A. An "advertisement" for the purpose of
			 these regulations shall include:
(1) printed
			 and published material, audio visual material, and descriptive literature of an
			 insurer used in direct mail, newspapers, magazines, radio scripts, TV scripts,
			 billboards and similar displays; and
(2) descriptive literature and sales aids of
			 all kinds issued by an insurer, agent or broker for presentation to members of
			 the insurance buying public, including but not limited to circulars, leaflets,
			 booklets, depictions, illustrations, and form letters; and
(3) prepared sales talks, presentations and
			 material for use by agents, brokers and solicitors.
Connecticut Administrative Code › Title 38a - Insurance Department › 819 - Unfair Insurance Practices: Advertisements of Accident and Sickness Insurance › Section 38a-819-4 - Method of disclosure of required information

Current through July 10, 2024
All information required to be disclosed by these regulations
				shall be set out conspicuously and in close conjunction with the statements to
				which such information relates or under appropriate captions of such prominence
				that it shall not be minimized, rendered obscure or presented in an ambiguous
				fashion or intermingled with the context of the advertisement so as to be
				confusing or misleading.