reglab/statecodes huggingface dataset:
Connecticut Administrative Code › Title 38a - Insurance Department › 288 - Insurance on Motor Vehicles Sold Under Installment Contracts or Pledged for a Loan › Section 38a-288-3 - Policy requirements. Records

Current through July 10, 2024
(a) All policies or
			 certificates of insurance shall be written in strict accordance with the rates
			 and rules filed by or on behalf of the insurance company writing such policies
			 with the insurance department of this state. No coverages shall be written that
			 are not contained in the manuals of insurance legally in effect for use within
			 this state, unless specific approval has been received from the insurance
			 department of this state prior to the sale of such coverage and the issuance of
			 policies therefor.
(b) No
			 contractual agreement or plan shall be used which permits the collection of an
			 application or policywriting fee, in addition to the premium, unless legally in
			 effect.
(c) The insurance company
			 shall at all times maintain complete records of all policies issued, including
			 names and addresses of all insureds and beneficiaries, and the coverage
			 provided, and no plan shall be used that fails to require the soliciting agent
			 to report, and send to the insurance company promptly, all applications for
			 insurance, or copy-dailies of policies issued.
(d) No so-called master policy shall reduce
			 in any manner whatsoever the standard form policy rights of the insured
			 (purchaser or borrower) on similar coverage in this state, as compared to the
			 individual type of policy, with the approved standard loss payable clause
			 attached.
(e) All policies of
			 insurance when issued shall be effective from the moment the purchaser takes
			 delivery of the property insured or the borrower's loan transaction is
			 consummated.
Connecticut Administrative Code › Title 38a - Insurance Department › 288 - Insurance on Motor Vehicles Sold Under Installment Contracts or Pledged for a Loan › Section 38a-288-4 - Term of coverage. Payment of premiums to insurance company

Current through July 10, 2024
Policies or certificates of insurance shall be written for the
				full term for which a premium has been charged the purchaser or borrower in
				connection with financing or effecting of a loan. All premiums collected or
				charged in a finance transaction shall be paid to the insurance company for
				whom the premium was collected, within the terms of any applicable contract
				between the insurance company and the insurance producer handling the
				transaction.
Connecticut Administrative Code › Title 38a - Insurance Department › 288 - Insurance on Motor Vehicles Sold Under Installment Contracts or Pledged for a Loan › Section 38a-288-5 - Single interest coverage

Current through July 10, 2024
Where single interest coverage is written at the expense of the
				purchaser or borrower in connection with a finance or loan transaction, a clear
				and concise statement shall be furnished to the purchaser or borrower, advising
				him that the insurance effected is solely for the interest of the dealer,
				finance factor or lender, and that no protection thereunder exists for the
				benefit of the purchaser or borrower. When single interest is written, the
				insurance company shall not be entitled to recover from the purchaser or
				borrower the amount of any claim payment made under the policy. Such single
				interest policies shall be clearly stamped or printed on the title-page "SINGLE
				INTEREST ONLY NO SUBROGATION."
Connecticut Administrative Code › Title 38a - Insurance Department › 288 - Insurance on Motor Vehicles Sold Under Installment Contracts or Pledged for a Loan › Section 38a-288-6 - Notice of cancellation or change. Cancellation on repossession

Current through July 10, 2024
The purchaser or borrower shall be promptly notified of any
				cancellation or change in a policy or certificate, except where cancellation is
				effected by surrender of the purchaser's or borrower's policy or certificate
				contract, or through a lost policy receipt, which shall be accompanied by, or
				have incorporated therein, a signed request from the named assured for
				cancellation. All notices of cancellation or change shall be effected in the
				same manner as the cancellation of other types of policies handled by the
				insurance company, as provided in the policy; the insurance company shall at
				all times have evidence that notification of a cancellation or change in a
				policy or certificate has been properly sent to the purchaser or borrower.
				Where an insured financed unit has been repossessed and the dealer, finance
				factor or lender certifies to the insurer the facts of such repossession in
				form satisfactory to the insurer, the insurance company may cancel the policy
				upon evidence to that effect.
Connecticut Administrative Code › Title 38a - Insurance Department › 288 - Insurance on Motor Vehicles Sold Under Installment Contracts or Pledged for a Loan › Section 38a-288-7 - Cancellation; repayment of unearned premiums

Current through July 10, 2024
(a) Where a
			 policy is cancelled by the insurance company, the pro rata unearned return
			 premium due shall be paid either directly by the insurance company or credited
			 to the account of the producer through whom the policy was written, with prompt
			 repayment of such unearned premium as may be due the purchaser or borrower
			 being effected by the producer or insurance company. Records of the insurance
			 company and producers shall at all times be available for the inspection of
			 representatives of the insurance department. Where policies are cancelled upon
			 request of the purchaser or borrower, cancellation shall be in accordance with
			 the terms of the policy contract with payment of the unearned premium as herein
			 provided. A fire, theft and collision policy is a divisible contract and the
			 payment of a total loss on one of the coverages gives the insurance company no
			 right to cancel the policy without payment of appropriate return premium on the
			 other coverage or coverages for which separate premiums were collected under
			 the policy.
(b) In the event of a
			 repossession and cancellation, the insurance company shall secure an affidavit
			 of repossession to warrant the cancellation and retention by the dealer,
			 finance factor or lender of the return premium as a credit against the unpaid
			 balance of the purchaser or borrower. In case of cancellation upon prepayment
			 the insurance company shall have unmistakable evidence in its files that the
			 purchaser or borrower has received proper cash return or credit. In no case
			 shall an insurance company pay the return premium to a dealer, finance factor
			 or lender if there is an "overage balance" in the account of the purchaser or
			 borrower. The amount of return premium due shall be shown on all notices of
			 cancellations.
Connecticut Administrative Code › Title 38a - Insurance Department › 297 - Height and Style of Type to be used in Insurance Policies › Section 38a-297-3 - Height requirements

Current through July 10, 2024
(a) Each policy
			 subject to Chapter 699a shall be printed, except for specification pages,
			 schedules and tables, in not less than ten-point type, one-point leaded,
			 provided capital letters shall measure not less than six points.
(b) For purposes of this regulation, one
			 point shall equal 1/72 of an inch.
Connecticut Administrative Code › Title 38a - Insurance Department › 297 - Height and Style of Type to be used in Insurance Policies › Section 38a-297-4 - Style requirements

Current through July 10, 2024
(a) The following
			 type-face styles shall be acceptable under this regulation.
Aldus
Chelmsford (Optima)
Alternate Gothic No. 3
Clarendon Light
American Typewriter Light
Clearface
American Typewriter Medium
Crown (Century)
Americana
Egyptian
Andover (Palatino)
Egyptian Light
Antique Olive Light
Electra
Aster
Eurostile
Auriga
Fairfield Medium
Avant Garde Light
Friz Quadrata
Avant Garde Book
Garamond
Baskerville
Garamond No. 3
Bembo
Goudy Oldstyle
Benguiat Book
Hanover (Melior)
Bodoni
Helvetica Light
Bodoni Book
Helvetica
Bookman
Helvetica Condensed
Caledonia
Highland (Caledonia)
Candida
Iridium
Caslon Old Face No. 2
Italia Book
Century Expanded
Janson
Century Schoolbook
Korinna
Megaron Light (Helvetica Light)
Stymie Medium
Megaron Medium (Helvetica Medium)
Stymie Light
Melior
Tiffany Light
Memphis Light
Tiffany Medium
Memphis Medium
Times Roman
Monticello
Trade Gothic Light
News Gothic
Trade Gothic
Optima
Trade Gothic Condensed
Orion
Trade Gothic Extended
Palatino
Trump
Primer
Trump Medieval
Quorum Light
Univers Light
Quorum Book
Univers Medium
Rotation
Univers No. 45
Sabon
Univers No. 46
Schoolbook
Univers No. 55
Serif Gothic Light
Univers No. 56
Souvenir
Univers No. 57
Souvenir Light
Univers 45 Light
This list is not intended to be exhaustive but is intended
				solely as an indication of the legibility of a type-face style that is
				required. Any type-face style selected other than those listed above may be
				used only with the approval of the Insurance Commissioner. Extreme type styles
				such as "Old English" or heavy block are not acceptable.
(b) Italics, bold face and contrasting styles
			 may be used to emphasize important or technical terms and for captions. When
			 two or more type-face styles are used, they shall be visually
			 compatible.
Connecticut Administrative Code › Title 38a - Insurance Department › 297 - Height and Style of Type to be used in Insurance Policies › Section 38a-297-5 - Certification

Current through July 10, 2024
Certification required per Connecticut General Statutes 38a-297
				(c) must include a statement that the policy complies with the height
				requirements of this regulation and must identify the type-face styles used in
				the policy.
Connecticut Administrative Code › Title 38a - Insurance Department › 297 - Height and Style of Type to be used in Insurance Policies › Section 38a-297-6 - Applicability

Current through July 10, 2024
The provisions of this regulation shall apply to all policies
				covered under Chapter 699a as follows: to all policies filed on or after
				January 1, 1982, to all individual policies delivered or issued for delivery in
				this state on or after July 1, 1982 and to all group policies and certificates
				delivered in this state on or after July 1, 1983.
Connecticut Administrative Code › Title 38a - Insurance Department › 327 - Claims-made Liability Insurance Policies › Section 38a-327-1 - Definitions

Current through July 10, 2024
As used in Sections 38a-327-1 to
				38a-327-6,
				inclusive:
(a) "Claims-made policy"
			 means an insurance policy or an endorsement to an insurance policy that covers
			 liability for injury or damage that the insured is legally obligated to pay
			 (including injury or damage occurring prior to the effective date of the
			 policy, but subsequent to the retroactive date, if any), arising out of
			 incidents, acts or omissions, as long as the claim is first made during the
			 policy period or any extended reporting period.
(b) "Claim" means written notice of any act
			 or omission of the insured, or of any incident, alleged to have caused injury
			 or damage that the insured is legally obligated to pay, whether or not
			 constituting a legal complaint.
(c)
			 "Incident" means a specific act, omission, occurrence or circumstance which may
			 reasonably result in a claim.
(d)
			 "Commissioner" means the Insurance Commissioner of the State of
			 Connecticut.
(e) "Retroactive date"
			 means a date concurrent with the effective date of the policy or with the
			 effective date of coverage for a new operation or location added to the policy,
			 or a specified date prior to the effective date of the policy upon which the
			 insurer and insured agree in the policy that coverage will be
			 applicable.
(f) "Additional
			 extended reporting period coverage" means:
(1)
			 For policies described in Section
			 38a-327-2(1),
			 (2), (3) and (5), coverage for that period of time specified in the policy
			 wherein claims first made after the termination of coverage under the policy,
			 for acts, errors or omissions that occur on or after the retroactive date, if
			 any, but prior to expiration of the policy term will be considered made during
			 the policy term;
(2) For all other
			 types of policies, coverage for that period of time specified in the policy
			 wherein claims first made after the termination of coverage under the policy,
			 for injury or damage that occurs on or after the retroactive date, if any, but
			 prior to expiration of the policy term will be considered made during the
			 policy term.
Connecticut Administrative Code › Title 38a - Insurance Department › 327 - Claims-made Liability Insurance Policies › Section 38a-327-2 - Types of coverage of risks

Current through July 10, 2024
Claims-made coverage may not be provided in any policy
				delivered, issued for delivery or renewed in this state by a licensed insurer
				on or after the effective date of this regulation, unless the claims-made
				policy is issued for one of the following lines, sublines, risks or
				coverages:
(1) Directors and Officers
			 Liability;
(2) Employee Benefits
			 Liability;
(3) Errors and Omissions
			 Liability;
(4) Excess
			 Liability;
(5) Fiduciary
			 Liability;
(6) Pollution and
			 Environmental Impairment Liability;
(7) Products and Completed Operations
			 Liability;
(8) Professional
			 Liability;
(9) Public Entity
			 Liability;
(10) Commercial general
			 liability coverage for a large business entity generating gross revenues of at
			 least one hundred million dollars ($100,000,000) annually, and where such risk
			 develops an annual commercial general liability manual premium on a mature
			 level on a claims-made basis of at least five hundred thousand dollars
			 ($500,000); or
(11) Coverage for an
			 individual risk or class of insurance based on a request by the insurer when
			 such insurance is not generally available and is submitted to the Insurance
			 Department and is approved by the Commissioner.
Connecticut Administrative Code › Title 38a - Insurance Department › 327 - Claims-made Liability Insurance Policies › Section 38a-327-4 - Disclosure and notice requirement

Current through July 10, 2024
Every claims-made policy shall contain a notice on the first
				page of the policy and any certificate in either contrasting color or in
				boldface type at least equal to the size of type used for policy captions,
				conspicuously displayed, stating that the policy is written on a claims-made
				basis.
Connecticut Administrative Code › Title 38a - Insurance Department › 327 - Claims-made Liability Insurance Policies › Section 38a-327-5 - Applicability

Current through July 10, 2024
This regulation shall apply to every new claims-made policy
				issued to be effective on or after May 1, 1990 and to every existing
				claims-made policy renewed to be effective on or after May 1,
				1990.
Connecticut Administrative Code › Title 38a - Insurance Department › 327 - Claims-made Liability Insurance Policies › Section 38a-327-6 - Separability

Current through July 10, 2024
If any provision of this regulation or the application thereof
				to any person or circumstance is for any reason held to be invalid, the
				remainder of the regulation and the application of such provision to other
				persons or circumstances shall not be affected thereby.
Connecticut Administrative Code › Title 38a - Insurance Department › 328 - Connecticut FAIR Plan › Section 38a-328-1 - Purpose of program

Current through July 10, 2024
(a) To make basic
			 insurance available, subject to the conditions hereinafter stated;
(b) To establish a Connecticut FAIR (Fair
			 Access to Insurance Requirements) Plan, and a joint underwriting facility to
			 apportion and distribute risks equitably among insurers in the manner and
			 subject to the conditions hereinafter stated as per Title 38a of the
			 Connecticut General Statutes.
Connecticut Administrative Code › Title 38a - Insurance Department › 328 - Connecticut FAIR Plan › Section 38a-328-2 - Effective date

Current through July 10, 2024
(a) The program
			 shall become effective on September 1, 1969 and as amended
			 thereafter.
(b) The program is
			 intended to conform with the applicable provisions of the Urban Property
			 Protection and Reinsurance Act of 1968, as amended ( P.L. 90-448 ), hereinafter
			 referred to as the "Act," and Connecticut law.
Connecticut Administrative Code › Title 38a - Insurance Department › 328 - Connecticut FAIR Plan › Section 38a-328-3 - Definitions

Current through July 10, 2024
(a) "Insurer" means any insurance company or
			 other organization licensed to write and engaged in writing property insurance
			 business, including the property components of multi-peril policies, or
			 liability coverage. Such liability coverage is limited to those forms of
			 insurance available on the normal voluntary market for single family, two
			 family, three family or seasonal dwellings of not more than three families, on
			 a direct basis, in this state, except where such insurer is specifically
			 exempted from participation in this program.
(b) "Servicing insurer" means
(1) the Connecticut FAIR Plan or
(2) any insurer who enters into an agreement
			 with the FAIR Plan to issue and service policies on risks referred to it by the
			 FAIR Plan.
Connecticut Administrative Code › Title 38a - Insurance Department › 328 - Connecticut FAIR Plan › Section 38a-328-4 - Inspection and reports

Current through July 10, 2024
(a) Any person
			 having an insurable interest in real or tangible personal property at a fixed
			 location shall be entitled to an inspection of the property without cost to the
			 applicant if the FAIR Plan is (1) unwilling to write the coverage at regular
			 rates or (2) declines the application based on the physical condition of the
			 property.
(b) The manner and scope
			 of the inspection of FAIR Plan risks shall be prescribed by the FAIR Plan with
			 the approval of the commissioner.
(c) An inspection report shall be made for
			 each property inspected. The report shall cover pertinent structural and
			 occupancy features as well as the general condition of the building. A
			 representative photograph of the property may be taken during the
			 inspection.
(d) During the
			 inspection, the inspector may point out features of structures and occupancy to
			 the applicant or his representative which may result in condition charges if
			 the risk is accepted. The inspector shall have no authority to advise if the
			 FAIR Plan will provide the coverage.
(e) After inspection, a copy of the completed
			 inspection report, and any photograph, indicating the pertinent features of
			 building, construction, maintenance, occupancy, including any condition charges
			 or surcharges imposed by inspection or under the program, or under any
			 substandard rating plan approved by the commissioner shall be prepared. A copy
			 of the inspection report shall be made available to the applicant or his agent
			 upon request.
Connecticut Administrative Code › Title 38a - Insurance Department › 328 - Connecticut FAIR Plan › Section 38a-328-5 - Policy issuance

Current through July 10, 2024
Upon determination by the FAIR Plan that an applicant is
				eligible for coverage, or renewal of coverage, and upon receipt by the FAIR
				Plan of the full amount of the required premium, the FAIR Plan shall issue a
				binding receipt and/or issue a policy within three working days.
If a condition charge is made the applicant shall be provided
				with a statement indicating the improvements necessary to remove the
				charge.
Connecticut Administrative Code › Title 38a - Insurance Department › 328 - Connecticut FAIR Plan › Section 38a-328-7 - Joint underwriting organization

Current through July 10, 2024
(a) A joint
			 underwriting organization shall be created consisting of all insurers licensed
			 to write the lines of insurance written by the FAIR Plan. All such insurers
			 shall participate in the FAIR Plan.
(b) Each participating company shall
			 participate in the FAIR Plan's writings, expenses, profits and losses in the
			 proportion that such member's premiums written during the preceding calendar
			 year bears to the aggregate of premiums written by all members of the FAIR
			 Plan.
Connecticut Administrative Code › Title 38a - Insurance Department › 328 - Connecticut FAIR Plan › Section 38a-328-8 - Standard policy coverage and limits of liability

Current through July 10, 2024
(a) All policies issued shall be limited to
			 basic insurance on authorized policy forms and approved amendatory
			 endorsements. Each such policy shall be for a term of one year.
(b) The limit of liability which may be
			 placed through this program is subject to the following special limits per
			 location for construction, protection and class of occupancy:
(1) Habitational occupancy classes:
Limits
(A) One, two, three or four family private dwelling
						  building . . . . .
$350,000
(B) Household and personal property usual or incidental
						  to the occupancy of each private dwelling unit or each apartment dwelling unit
						  and use therein . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
						  . . . . . .
75,000
(C) Public liability-one to three family . . . . . . .
						  . . . . . . . . . . . . . . . .
300,000
(2) All other occupancy classes including commercial,
						  service and manufacturing property with respect to buildings:
(A) Fire Resistive Construction . . . . . . . . . . . .
						  . . . . . . . . . . . . . . . . .
1,000,000
(B) Ordinary Masonry Construction . . . . . . . . . . .
						  . . . . . . . . . . . . . .
700,000
(C) Frame Construction . . . . . . . . . . . . . . . .
						  . . . . . . . . . . . . . . . . . . .
500,000
(3) All other occupancy classes with respect to
						  contents
(A) Fire Resistant Construction . . . . . . . . . . . .
						  . . . . . . . . . . . . . . . . .
250,000
(B) Ordinary Masonry Construction . . . . . . . . . . .
						  . . . . . . . . . . . . . .
200,000
(C) Frame Construction . . . . . . . . . . . . . . . .
						  . . . . . . . . . . . . . . . . . . .
200,000
Note: The above content limits may be doubled in the case of
				sole occupancy.
(c) The
			 foregoing limits may be increased upon approval of the governing committee. In
			 no event shall the total amount of insurance exceed one million five hundred
			 thousand dollars on any single risk. The FAIR Plan will attempt to place
			 insurance up to the full insurable value of the risk to be insured, except to
			 the extent that deductibles, percentage participation clauses and other
			 underwriting devices are employed to meet special problems of
			 insurability.
(d) Policies written
			 pursuant to this program shall be separately coded.
Connecticut Administrative Code › Title 38a - Insurance Department › 328 - Connecticut FAIR Plan › Section 38a-328-9 - Declinations

Current through July 10, 2024
Applications for coverage shall be declined where the property
				is determined to be uninsurable because it fails to meet program standards.
				Such declinations shall be furnished in writing to the applicant with a copy to
				the commissioner and shall include a statement of the conditions which make the
				property uninsurable and the measures, if any, which, if taken, would make the
				property insurable. Such statement shall also inform the applicant of his right
				to appeal such determination by the FAIR Plan and shall advise him of the means
				whereby such an appeal may be initiated. Declinations for physical condition
				must be based on an inspection report.
Connecticut Administrative Code › Title 38a - Insurance Department › 328 - Connecticut FAIR Plan › Section 38a-328-10 - Provisional binder. Estimated premium

Current through July 10, 2024
(a) To prevent
			 lapses of insurance coverage for risks eligible under the program, before
			 coverage has been made available or declined, the insurance requested, subject
			 to all provisions of this program, will be automatically effective on the
			 twenty-first day following the date the application was received or such later
			 date requested by the insured on the application if:
(1) through no fault of the applicant,
			 coverage has not been either offered or denied within twenty calendar days
			 after the date the request for inspection was received, and
(2) the applicant, at any time prior to the
			 receipt of a report indicating that the property is uninsurable, pays the
			 estimated annual premium.
Connecticut Administrative Code › Title 38a - Insurance Department › 328 - Connecticut FAIR Plan › Section 38a-328-11 - Program standards

Current through July 10, 2024
(a) It is the
			 intent of the program to make basic insurance available to applicants who in
			 good faith request coverage for eligible properties which meet program
			 standards.
(b) The occurrence or
			 presence of any of the following conditions constitutes failure to meet program
			 standards and shall provide a basis for declination, cancellation, or
			 non-renewal of an application, binder or policy:
(1) Vacancy or unoccupancy of the property
			 for sixty (60) days or more, other than for rehabilitation purposes, provided
			 however, a building shall not be deemed vacant or unoccupied unless at least
			 75% of owner occupied family dwellings of not more than three families or at
			 least 65% of any other building is vacant or unoccupied.
(2) Existing substantial damage which the
			 applicant or insured has failed or refused to repair.
(3) Failure to pay real estate taxes on the
			 property for two (2) years or more.
(4) Failure, within the insureds control, to
			 furnish heat, water, or public lighting for 30 days or more.
(5) Failure within a reasonable time to
			 correct conditions dangerous to life, health or safety including but not
			 limited to conditions resulting from overcrowding or excessive rubbish or
			 flammable materials.
(6) As
			 respects commercial properties, failure to provide protective devices required
			 by law.
(7) Conviction of any
			 person with a financial interest in the property of fraud or
			 incendiarism.
(8) Loss history of
			 the applicant. The frequency, severity, circumstances of the loss(s), and the
			 number and value of the properties insured shall be considered. Each
			 declination, non-renewal, or cancellation based on loss history must be subject
			 to approval by the Governing Committee.
(9) Material misrepresentation concerning
			 this insurance or the subject thereof.
(10) Abandonment of the property or removal
			 of heating or plumbing equipment or fixtures.
(11) Non-payment of premium by the
			 insured.
(12) Where the FAIR Plan
			 has received reliable information that the property will be intentionally
			 damaged or destroyed for the purpose of collecting the insurance
			 proceeds.
(13) Buildings on which
			 because of their physical condition there is an outstanding order to vacate, an
			 outstanding demolition order or which have been declared unsafe in accordance
			 with applicable law. Neighborhood or area location or any environmental hazard
			 beyond the control of the property owner shall not be deemed to be acceptable
			 criteria for declination, cancellation, or non-renewal of a risk.
Connecticut Administrative Code › Title 38a - Insurance Department › 328 - Connecticut FAIR Plan › Section 38a-328-13 - Declination, non-renewal or cancellation

Current through July 10, 2024
(a) The FAIR Plan
			 may issue a notice of declination, cancellation or non-renewal based only on
			 the occurrence or presence of any of the conditions or circumstances set forth
			 in Section
			 38a-328-11(b)
			 of these regulations.
(b) The FAIR
			 Plan shall send by registered or certified mail or by mail evidenced by a
			 certificate of mailing, or delivered to the named insured at the address shown
			 in the policy, at least sixty (60) days advance notice of its intention not to
			 renew.
(c) Each notice of
			 cancellation or non-renewal shall specify the reason therefore and the FAIR
			 Plan shall give prior written notice as follows:
(1) For each cancellation based on
			 non-payment of premium, 10 days prior written notice.
(2) For each cancellation based on
			 sub-division (1), (7), (10), (12), or (13) of sub-section (b) of Section
			 38a-328-11, not
			 less than five (5) days prior written notice to the named insured at the
			 address shown on the policy by registered or certified mail.
(3) For each cancellation based on a reason
			 other than sub-division (1) or (2) of Section
			 38a-328-13(c),
			 the FAIR Plan shall give notice as required by Section
			 38a-307
			 of the Connecticut General Statutes.
Connecticut Administrative Code › Title 38a - Insurance Department › 328 - Connecticut FAIR Plan › Section 38a-328-14 - Right of appeal

Current through July 10, 2024
(a) An applicant or
			 insured may appeal any adverse ruling or decision of the Fair Plan to the
			 manager of the Fair Plan, by making written notice of appeal to the manager.
			 Such appeal shall be made within thirty (30) days of the date of the mailing of
			 the adverse ruling or decision of the Fair Plan. The manager of the Fair Plan,
			 shall within fifteen (15) days of receipt of the written notice of appeal,
			 decide the matter under appeal and notify the applicant or insured in writing
			 of his or her decision.
(b) An
			 applicant or insured may appeal the decision of the manager of the Fair Plan to
			 the Insurance Commissioner within thirty (30) days from the date of the mailing
			 of the decision of the Fair Plan manager, in accordance with the Insurance
			 Department Rules of Practice.
Connecticut Administrative Code › Title 38a - Insurance Department › 328 - Connecticut FAIR Plan › Section 38a-328-16 - Administration

Current through July 10, 2024
This program shall be administered by a governing committee
				(hereinafter referred to as the committee) of the FAIR Plan and operated by a
				manager appointed by the committee. The committee shall include ex-officio, the
				insurance commissioner or the commissioner's designee, one representative of
				each of the following groups and two members selected by the committee and
				approved by the commissioner:
American Insurance Association or its successor
				organization
Property Casualty Insurers Association of America or its
				successor organization
All other stock insurers
All other nonstock insurers
Professional Insurance Agents of Connecticut or its successor
				organization
Independent Insurance Agents of Connecticut or its successor
				organization
Not more than one insurer under the same management or
				ownership shall serve on the committee at the same time. The ex-officio member
				shall not vote on matters before this committee.
Connecticut Administrative Code › Title 38a - Insurance Department › 328 - Connecticut FAIR Plan › Section 38a-328-17 - Annual and special meetings

Current through July 10, 2024
(1) There shall be
			 an annual meeting of the insurers on a date fixed by the committee. The four
			 aforementioned associations shall designate or elect their representatives to
			 the committee. The two nonassociation groups of companies represented on the
			 committee as provided in section
			 38a-328-16 shall
			 elect their respective representatives by majority vote counted on a weighted
			 basis in accordance with each insurer's premiums written and the aggregate
			 premiums written for all insurers in the respective groups of companies.
			 Representatives on the committee shall serve for a period of one year or until
			 successors are elected or designated.
(2) A special meeting may be called at such
			 time and place designated by the committee or upon the written request to the
			 committee of any ten insurers, not more than one of which may be in a group
			 under the same management or ownership.
(3) Twenty days' notice of such annual or
			 special meetings shall be given in writing by the committee to insurers. A
			 majority of the insurers shall constitute a quorum. Voting by proxy shall be
			 permitted. Notice of any meeting shall be accompanied by an agenda for such
			 meeting.
(4) Any matter, including
			 amendment of this program, may be proposed and voted upon by mail, provided
			 such procedure is unanimously authorized by the members of the committee
			 present and voting at any meeting of the committee. If so approved by the
			 committee, notice of any proposal shall be mailed to the insurers not less than
			 twenty days prior to the final date fixed by the committee for voting
			 thereon.
(5) At any regular or
			 special meeting at which the vote of the insurers is or may be required on any
			 proposal, including amendment to the program, or any vote of the insurers which
			 may be taken by mail on any proposal, such votes shall be cast and counted on a
			 weighted basis in accordance with each insurer's premiums written. A proposal
			 shall become effective when approved by at least two-thirds of the votes cast
			 on such weighted basis.
(6) Any
			 amendment of the program shall be subject to approval by the
			 commissioner.
Connecticut Administrative Code › Title 38a - Insurance Department › 328 - Connecticut FAIR Plan › Section 38a-328-18 - Duties of the committee

Current through July 10, 2024
(a) The committee
			 shall meet as often as may be required to perform the general duties of
			 administration of the program or on the call of the commissioner. Five voting
			 members of the committee shall constitute a quorum.
(b) The committee shall be empowered to
			 appoint a manager, who shall serve at the pleasure of the committee, to budget
			 expenses, levy assessments, disburse funds and perform all other duties
			 provided herein or necessary or incidental to the proper administration of the
			 program.
(c) The manager shall
			 prepare an annual operating budget which shall be subject to approval of the
			 committee.
(d) The committee shall
			 furnish to all insurers and to the commissioner a written report of operations
			 annually in such form and detail as the committee may determine. The FAIR Plan
			 shall submit to the commissioner periodic reports setting forth the number of
			 requests for inspection, the number of risks inspected, the number of risks
			 accepted, the number of risks declined and reinspections made together with
			 such other information as the commissioner may request.
Connecticut Administrative Code › Title 38a - Insurance Department › 328 - Connecticut FAIR Plan › Section 38a-328-19 - Termination of the program

Current through July 10, 2024
This program shall continue indefinitely but in no event shall
				be of any force and effect after the expiration of the Urban Property
				Protection and Reinsurance Act of 1968 and a determination by the commissioner
				after consultation with the insurance industry that the program is no longer
				needed, or at such earlier date at which the program provided hereunder shall
				no longer qualify for riot or civil disorder reinsurance under the Urban
				Property Protection and Reinsurance Act and the commissioner after consultation
				with the insurance industry determines that the program is no longer needed.
				Notwithstanding the foregoing, any obligations incurred by the FAIR Plan shall
				not be impaired by the expiration of the program and such FAIR Plan shall be
				continued, for the purpose of performing such obligations.
Connecticut Administrative Code › Title 38a - Insurance Department › 334 - Minimum Provisions for Automobile Liability Insurance Policies Covering Motor Vehicles › Section 38a-334-1 - Required areas of coverage

Current through July 10, 2024
(a) Policies shall
			 contain at least the following coverages:
(1)
			 Bodily injury liability and property damage liability;
(2) protection against uninsured and
			 underinsured motorists as described in section
			 38a-334-6.
Connecticut Administrative Code › Title 38a - Insurance Department › 334 - Minimum Provisions for Automobile Liability Insurance Policies Covering Motor Vehicles › Section 38a-334-2 - Definitions

Current through July 10, 2024
As used in sections
				38a-334-1
				to
				38a-334-9,
				inclusive:
(a) "Bodily injury" means
			 bodily injury, sickness or disease, including death resulting
			 therefrom;
(b) "Motor vehicle"
			 means private passenger motor vehicle as defined in subsection (e) of section
			 38a-363
			 of the General Statutes; commercial motor vehicle as defined in section
			 14-1 of
			 the General Statutes; motorcycle, as defined in section
			 14-1 of
			 the General Statutes; motor vehicle used to transport passengers for hire,
			 motor vehicle in livery service, as defined in section
			 13b-101
			 of the General Statutes; and vanpool vehicle, as defined in section
			 14-1 of
			 the General Statutes;
(c) "Property
			 damage" means injury to or destruction of tangible property, including loss of
			 use thereof.
History note reading "Amended, effective November 1, 2000"
				  edited to standard format "Amended November 1, 2000" (February 18,
				  2015)
Connecticut Administrative Code › Title 38a - Insurance Department › 334 - Minimum Provisions for Automobile Liability Insurance Policies Covering Motor Vehicles › Section 38a-334-3 - Language of policies. Presumption re coverage

Current through July 10, 2024
The provisions herein required need not be stated in the
				language or form of these regulations, but the coverage afforded shall be of
				equal or greater benefit to the insured. Policies affording a coverage to which
				these regulations apply shall be deemed to afford insurance under such coverage
				at least equal to that required by these regulations.
Connecticut Administrative Code › Title 38a - Insurance Department › 334 - Minimum Provisions for Automobile Liability Insurance Policies Covering Motor Vehicles › Section 38a-334-4 - Exceptions

Current through July 10, 2024
These regulations do not apply to the insurance afforded under
				any policy:
(1) to the extent that the
			 insurance afforded exceeds the limits specified in subsection (a) of section
			 14-112
			 of the General Statutes or
(2) if
			 the policy contains an underlying insurance requirement or provides for a
			 retained limit of self-insurance equal to or greater than the limits specified
			 in said subsection (a) of section
			 14-112.
History note reading "Amended, effective November 1, 2000"
				  edited to standard format "Amended November 1, 2000" (February 18,
				  2015)
Connecticut Administrative Code › Title 38a - Insurance Department › 334 - Minimum Provisions for Automobile Liability Insurance Policies Covering Motor Vehicles › Section 38a-334-6 - Minimum provisions for protection against uninsured or underinsured motorists

Current through July 10, 2024
(a)
Coverage.
The insurer shall undertake to pay on behalf of the
			 insured all sums which the insured shall be legally entitled to recover as
			 damages from the owner or operator of an uninsured or underinsured motor
			 vehicle because of bodily injury sustained by the insured caused by an accident
			 involving the uninsured or underinsured motor vehicle. This coverage shall
			 insure the occupants of every motor vehicle to which the bodily injury
			 liability coverage applies. "Uninsured motor vehicle" includes a motor vehicle
			 insured against liability by an insurer that is or becomes insolvent.
(b)
Arbitration.
The insurance
			 may provide but not require that the issues of liability as between the insured
			 and the uninsured or underinsured motorist, and the amount of damages, be
			 arbitrated. The insurer may provide against being bound by any judgment against
			 the uninsured or underinsured motorist.
(c)
Exclusions.
The insurer's
			 obligations to pay may be made inapplicable:
(1) To any claim which has been settled with
			 the uninsured motorist without the consent of the insurer;
(2) if the uninsured or underinsured motor
			 vehicle is owned by
(A) the named insured or
			 any relative who is a resident of the same household or is furnished for the
			 regular use of any of the foregoing,
(B) a self insurer under any motor vehicle
			 law, or
(C) any government or
			 agency thereof;
(3) to
			 pay or reimburse for workers' compensation or disability benefits.
Connecticut Administrative Code › Title 38a - Insurance Department › 334 - Minimum Provisions for Automobile Liability Insurance Policies Covering Motor Vehicles › Section 38a-334-7 - Minimum provisions for medical payments

Current through July 10, 2024
(a)
Coverage.
The insurer may undertake to pay reasonable medical
			 expense incurred within one year from the date of the accident for persons who
			 sustain bodily injury while occupying a motor vehicle designated as the subject
			 of the coverage by specific description or appropriate reference.
(b)
Exclusions.
The insurer's
			 obligation to pay may be made inapplicable:
(1) To injury to any person while he is
			 employed or otherwise engaged in the business or occupation of selling,
			 servicing, repairing, parking or storing motor vehicles;
(2) to injury resulting from insurrection,
			 rebellion, revolution or war;
(3)
			 to employees of any insured injured in the course of their
			 employment;
(4) to the use of a
			 motor vehicle as a public or livery conveyance or while located for use as a
			 residence or premises;
(5) to
			 bodily injury resulting from the radioactive, toxic, explosive or other
			 hazardous properties of source, special nuclear or byproduct material, each as
			 defined in the Atomic Energy Act of 1954, as amended;
(6) to injury arising out of the use of
(i) a farm-type tractor or other equipment
			 designed for use principally off public roads, while not upon public
			 roads,
(ii) a vehicle operated on
			 rails or crawlertreads, or
(iii) a
			 vehicle while located for use as a residence or premises.
Connecticut Administrative Code › Title 38a - Insurance Department › 334 - Minimum Provisions for Automobile Liability Insurance Policies Covering Motor Vehicles › Section 38a-334-8 - General provisions

Current through July 10, 2024
(a)
Policy
			 period: Territory.
Policies shall provide coverage during the period the
			 policy is in effect and within the territorial limits of the United States and
			 Canada or, as regards private passenger automobiles only, between ports
			 thereof.
(b)
Conditions.
(1) A policy may
			 contain in substance the following conditions:
(A) A provision relating to the computation
			 and payment of premium;
(B) a
			 provision that written notice of accident, claim or suit is required; and that
			 copies of any demand or legal process against the insured, the insurer or any
			 third party shall be forwarded immediately to the insurer;
(C) a provision requiring a claimant to
			 benefits under medical payments or protection against uninsured and
			 underinsured motorists coverage to submit to the insurer written proof of
			 claim, and requiring the injured person to submit to physical examinations and
			 to furnish medical reports and records;
(D) a provision requiring the insured to
			 assist and cooperate with the insurer;
(E) a provision that no action shall lie
			 against the insurer until all the terms of the policy have been complied with
			 or, under the liability coverages, until the amount of the insured's obligation
			 to pay shall have been finally determined either by judgment against the
			 insured after actual trial or by written agreement of the insured, the claimant
			 and the insurer, and a further provision that the insurer shall not be joined
			 or impleaded in any action against the insured brought to determine his
			 liability;
(F) a provision that the
			 insurer's consent is necessary to any assignment of interest under the
			 policy;
(G) a provision that the
			 insurer issues the policy in reliance upon the declarations of the named
			 insured and that the policy contains all agreements between the named insured
			 and the insurer and any of its agents relating to the insurance;
(H) a provision relating to the insurer's own
			 method of doing business.
Connecticut Administrative Code › Title 38a - Insurance Department › 334 - Minimum Provisions for Automobile Liability Insurance Policies Covering Motor Vehicles › Section 38a-334-9 - Statutory references

Current through July 10, 2024
All references in sections
				38a-334-1
				to
				38a-334-8,
				inclusive, of the Regulations of Connecticut State Agencies to sections of the
				General Statutes of Connecticut shall mean and include the statutory provision
				in effect on the date these regulations become effective and as the statutory
				provision may be thereafter amended from time to time.
History note reading "Amended, effective November 1, 2000"
				  edited to standard format "Amended November 1, 2000" (February 18,
				  2015)
Connecticut Administrative Code › Title 38a - Insurance Department › 334 - Minimum Provisions for Automobile Liability Insurance Policies Covering Motor Vehicles › Section 38a-334-10 - Effective date

Current through July 10, 2024
The amendments to Sections
				38a-334-1,
				38a-334-2,
				38a-334-4; Subsections
				(f) through (g) inclusive of Section
				38a-334-5;
				and Sections
				38a-334-6,
				38a-334-7,
				38a-334-8 and
				38a-334-9 of
				the Regulations of Connecticut State Agencies shall take effect November 1,
				2000.
Connecticut Administrative Code › Title 38a - Insurance Department › 347 - Connecticut Motor Vehicle Insurance Safe Driver Classification Plan › Section 38a-347-1 - Safe driver classification plan form

Current through July 10, 2024
For all policies (new and renewals), issued to be effective on
				or after January 1, 1973, each company shall add a rating information form or
				other policy attachment explaining how its safe driver classification plan
				operates. This form shall be approved by the insurance commissioner prior to
				its use.
Connecticut Administrative Code › Title 38a - Insurance Department › 347 - Connecticut Motor Vehicle Insurance Safe Driver Classification Plan › Section 38a-347-2 - Request for review

Current through July 10, 2024
Upon the request of an insured, the Insurance Commissioner or a
				person employed in the Insurance Department designated by the Commissioner
				shall review an insurance company's action in assigning a point or points under
				any safe driver classification plan. As part of the review, the Insurance
				Commissioner or his designee shall determine whether the action of the
				insurance company in assigning a point or points is consistent with the terms
				of the plan and the provisions of Chapter 682a of the General Statutes of
				Connecticut. "Point" or "points" includes those assessed for accidents or
				convictions or both under the Connecticut Automobile Insurance
				Plan.
Connecticut Administrative Code › Title 38a - Insurance Department › 347 - Connecticut Motor Vehicle Insurance Safe Driver Classification Plan › Section 38a-347-3 - Effective date

Current through July 10, 2024
Effective October 1, 1975, all forms and policy attachments
				required by the provisions of §
								38a-347-1
				of these regulations shall include a direct quotation of §
								38a-347-2 of
				these regulations.
Connecticut Administrative Code › Title 38a - Insurance Department › 357 - Reports to the National Insurance Crime Bureau › Section 38a-357-1 - Purpose

Current through July 10, 2024
The purpose of sections 38a-357-1 to
				38a-357-8,
				inclusive of the regulations of Connecticut State Agencies, is to designate the
				National Insurance Crime Bureau as the central index reporting bureau; to
				provide for the reporting by insurance companies of motor vehicle total losses
				due to theft or larceny, or constructive total losses due to fire, of any motor
				vehicle, or theft of any of its component parts, and other information; and to
				establish procedures for the payment of costs of administration and operation
				of a central index file maintained by the National Insurance Crime
				Bureau.