reglab/statecodes huggingface dataset:
Wyoming Administrative Code › Agency 044 - Insurance Dept › Sub-Agency 0002 - General Agency, Board or Commission Rules › Chapter 21 - Rules Governing Advertisements of Accident and Sickness Insurance › Section 21-5 - Form and Content of Advertisements

Current through July 13, 2024
(a) The format and content of accident or
				sickness insurance policy advertisements shall be sufficiently complete and
				clear to avoid deception or the capacity or tendency to mislead or deceive.
				Format means the arrangement of text and captions.
(b) Distinctly different advertisements are
				required for publication in different media, such as newspapers or magazines of
				general circulation as compared to scholarly, technical, or business journals,
				and newspapers. Where an advertisement consists of more than one piece of
				material, each piece of material must independently conform to the disclosure
				requirements.
(c) Whether an
				advertisement has the capacity or tendency to mislead or deceive shall be
				determined by the Commissioner from the overall impression the advertisement
				may be reasonably expected to create within the segment of the public to which
				it is directed.
(d) Advertisements
				shall be truthful and not misleading in fact or implication. Words or phrases,
				the meaning of which is clear only by implication or familiarity with insurance
				terminology, shall not be used.
(e)
				An insurer shall clearly identify its accident and sickness insurance policy as
				an insurance policy. A policy trade name shall be followed by the words
				"insurance policy" or similar words clearly identifying that an insurance
				policy or health benefits product (in the case of health maintenance
				organizations, prepaid health plans, and other direct services organizations)
				is being offered.
(f) An insurer,
				producer, or other person shall not solicit a Wyoming resident to purchase
				accident and sickness insurance in connection with or as the result of using
				advertisement by the person or any other persons, where the advertisement:
(i) Contains any misleading representations
				or misrepresentations, or is otherwise untrue, deceptive, or misleading
				regarding the information imparted, the status, character, or representative
				capacity of the person, or the true purpose of the advertisement; or
(ii) Otherwise violates the provisions of
				this regulation.
Wyoming Administrative Code › Agency 044 - Insurance Dept › Sub-Agency 0002 - General Agency, Board or Commission Rules › Chapter 21 - Rules Governing Advertisements of Accident and Sickness Insurance › Section 21-7 - Necessity for Disclosing Policy Provisions Relating to Renewability, Cancellability, and Termination

Current through July 13, 2024
(a) An advertisement that is an invitation to
				contract shall disclose provisions relating to renewability, cancellability,
				and termination and any modification of benefits, losses covered, or premiums
				because of age or for other reasons, in a manner which shall not minimize or
				render obscure the qualifying conditions.
(b) Advertisements of non-renewable accident
				and sickness insurance policies shall state renewability of the contract at the
				company's option in language substantially similar to the following: "This
				policy is renewable at the option of the company," or "The company has the
				right to refuse renewal of this policy," or "Renewable at the option of the
				insurer."
(c) Advertisements of
				insurance policies that are guaranteed renewable, or renewable at the option of
				the company, shall disclose that the insurer has the right to increase premium
				rates if the policy so states.
(d)
				Qualifying conditions constituting limitations on the permanent nature of
				coverage shall be disclosed in advertisements of policies which are guaranteed
				renewable, or renewable at the option of the company. Examples of qualifying
				conditions include (1) age limits, (2) reservation of a right to increase
				premiums, and (3) establishment of lifetime maximum limits.
(i) Provisions for reducing benefits at
				stated ages shall be set forth. For example, a policy may contain a provision
				reducing benefits fifty percent (50%) after age sixty (60) although it is
				renewable to age sixty-five (65). Provisions for eliminating certain hazards at
				any specific age or after the policy has been in force for a specified period
				of time shall also be set forth.
(ii) An advertisement for a policy providing
				for step-rated premium rates based upon the policy year or the insured's
				attained age shall disclose the rate increases and the times or ages at which
				the premiums increase.
Wyoming Administrative Code › Agency 044 - Insurance Dept › Sub-Agency 0002 - General Agency, Board or Commission Rules › Chapter 21 - Rules Governing Advertisements of Accident and Sickness Insurance › Section 21-8 - Standards for Marketing

Current through July 13, 2024
(a) An insurer, directly or through its
				producers, shall:
(i) Establish marketing
				procedures assuring any policy comparison by its producers will be fair and
				accurate;
(ii) Establish marketing
				procedures assuring excessive insurance is not sold or issued, except in the
				case of group major medical expense coverage and disability income coverage;
				and
(iii) Establish auditable
				procedures for verifying compliance with this subsection.
Wyoming Administrative Code › Agency 044 - Insurance Dept › Sub-Agency 0002 - General Agency, Board or Commission Rules › Chapter 21 - Rules Governing Advertisements of Accident and Sickness Insurance › Section 21-9 - Testimonials or Endorsements by Third Parties

Current through July 13, 2024
(a) Testimonials and endorsements used in
				advertisements shall be genuine, represent the current opinion of the author,
				applicable to the policy advertised, and accurately reproduced. In using a
				testimonial or endorsement, the insurer makes as its own all of the statements
				contained in it, and the advertisement, including the statement, is subject to
				all provisions of this regulation. When a testimonial or endorsement is used
				more than one year after originally given, a written confirmation to continue
				using the testimonial or endorsement must be obtained.
(b) A person shall be deemed a "spokesperson"
				if the person making the testimonial or endorsement:
(i) Has a financial interest in the insurer
				or a related entity as a stockholder, director, officer, employee, or
				otherwise;
(ii) Has been formed by
				the insurer or, is owned or controlled by the insurer, its employees, or the
				person or persons who own or control the insurer;
(iii) Is any person in a policy-making
				position affiliated with the insurer in any of the above described capacities;
				or
(iv) Is in any way directly or
				indirectly compensated for making a testimonial or endorsement.
Wyoming Administrative Code › Agency 044 - Insurance Dept › Sub-Agency 0002 - General Agency, Board or Commission Rules › Chapter 21 - Rules Governing Advertisements of Accident and Sickness Insurance › Section 21-10 - Use of Statistics

Current through July 13, 2024
(a) An advertisement relating to dollar
				amounts of claims paid, number of persons insured, or similar statistical
				information relating to an insurer or policy shall not use irrelevant facts,
				and shall not be used unless it accurately reflects all current and relevant
				facts. The advertisement shall not imply that the statistics are derived from
				the policy advertised unless that is the fact.
(i) An advertisement shall specifically
				identify the accident and sickness insurance policy to which statistics relate
				and where statistics are given which are applicable to a different policy, it
				shall be stated clearly that the data do not relate to the policy being
				advertised.
(ii) An advertisement
				using statistics describing an insurer, such as assets, corporate structure,
				financial standing, age, product lines, or relative position in the insurance
				business, may be irrelevant and, if used at all, shall be used with extreme
				caution. As a specific example, an advertisement for accident and sickness
				insurance referring to the amount of life insurance the company has in force or
				the amounts paid out in life insurance benefits is not permissible unless the
				advertisement clearly indicates the amount paid out for each line of
				insurance.
Wyoming Administrative Code › Agency 044 - Insurance Dept › Sub-Agency 0002 - General Agency, Board or Commission Rules › Chapter 21 - Rules Governing Advertisements of Accident and Sickness Insurance › Section 21-11 - Identification of Plan or Number of Policies

Current through July 13, 2024
(a) An advertisement that uses the word
				"plan" without prominently identifying it as an accident and sickness insurance
				policy is prohibited.
(b) When a
				choice of the benefits amount is referred to, an advertisement that is an
				invitation to contract shall disclose that the amount of benefits provided
				depends upon the plan selected and the premium varies with the amount of the
				benefits selected.
(c) When an
				advertisement that is an invitation to contract refers to various benefits
				contained in two (2) or more policies, other than group master policies, the
				advertisement shall disclose that the benefits are provided only through a
				combination of policies.
Wyoming Administrative Code › Agency 044 - Insurance Dept › Sub-Agency 0002 - General Agency, Board or Commission Rules › Chapter 21 - Rules Governing Advertisements of Accident and Sickness Insurance › Section 21-12 - Disparaging Comparisons and Statements

Current through July 13, 2024
(a) An advertisement shall not directly or
				indirectly make unfair or incomplete comparisons of policies or benefits or
				comparisons of non-comparable policies of other insurers, and shall not
				disparage competitors, their policies, services, or business methods, and shall
				not disparage or unfairly minimize competing methods of marketing
				insurance.
(b) An advertisement
				shall not contain statements such as "no red tape" or "here is all you do to
				receive benefits."
(c)
				Advertisements stating or implying that competing insurance coverages
				customarily contain certain exceptions, reductions, or limitations not
				contained in the advertised policies are prohibited unless the exceptions,
				reductions, or limitations are contained in a substantial majority of the
				competing coverages.
(d)
				Advertisements stating or implying that an insurer's premiums are lower or its
				loss ratios are higher because its organizational structure differs from that
				of competing insurers are prohibited.
Wyoming Administrative Code › Agency 044 - Insurance Dept › Sub-Agency 0002 - General Agency, Board or Commission Rules › Chapter 21 - Rules Governing Advertisements of Accident and Sickness Insurance › Section 21-13 - Jurisdictional Licensing and Status of Insurer

Current through July 13, 2024
(a) An advertisement intended to be seen or
				heard beyond the limits of the jurisdiction in which the insurer is licensed
				shall not imply licensing beyond those limits.
(b) An advertisement shall not create the
				impression directly or indirectly that the insurer, its financial condition or
				status, or the payment of its claims, or the merits, desirability, or
				advisability of its policy forms or kinds of plans of insurance are approved,
				endorsed, or accredited by any division or agency of the State of Wyoming or
				the federal government. Terms such as "official," or words of similar import,
				used to describe any policy or application form are prohibited because of the
				potential for deceiving or misleading the public.
(c) An advertisement shall not imply that
				approval, endorsement, or accreditation of policy forms or advertising has been
				granted by any division or agency of the state of Wyoming or the federal
				government. Approval of either policy forms or advertising shall not be used by
				an insurer to imply or state that a governmental agency has endorsed or
				recommended the insurer, its policies, advertising or its financial
				condition.
Wyoming Administrative Code › Agency 044 - Insurance Dept › Sub-Agency 0002 - General Agency, Board or Commission Rules › Chapter 21 - Rules Governing Advertisements of Accident and Sickness Insurance › Section 21-14 - Identity of Insurer

Current through July 13, 2024
(a) The name of the actual insurer shall be
				stated in all of its advertisements. The form number or numbers of the policy
				advertised shall be stated in an advertisement that is an invitation to
				contract. An advertisement shall not use a trade name, any insurance group
				designation, name of the parent company of the insurer, name of a particular
				division of the insurer, service mark, slogan, symbol, or other device that,
				without disclosing the name of the actual insurer, would have the capacity and
				tendency to mislead or deceive as to the true identity of the
				insurer.
(b) An advertisement shall
				not use any combination of words, symbols, or physical materials whose content,
				phraseology, shape, color or other characteristics are so similar to
				combinations of words, symbols, or physical materials used by agencies of the
				federal government or of the state of Wyoming, or otherwise appear to be of
				such a nature that it tends to confuse or mislead prospective insureds into
				believing the solicitation is in some manner connected with an agency of the
				municipal, state, or federal government.
(c) Advertisements, envelopes or stationery
				that employ words, letters, initials, symbols, or other devices similar to
				those used in governmental agencies or by other insurers are not permitted if
				they may lead the public to believe:
(i) That
				the advertised coverages are somehow provided by or endorsed by the
				governmental agencies or the other insurers; or
(ii) That the advertiser is the same as, is
				connected with, or is endorsed by the governmental agencies or the other
				insurers.
Wyoming Administrative Code › Agency 044 - Insurance Dept › Sub-Agency 0002 - General Agency, Board or Commission Rules › Chapter 21 - Rules Governing Advertisements of Accident and Sickness Insurance › Section 21-15 - Group or Quasi-Group Implications

Current through July 13, 2024
(a) An advertisement of a particular policy
				shall not state or imply that prospective insureds become group or quasi-group
				members covered under a group policy and as members enjoy special rates or
				underwriting privileges, unless that is the fact.
(b) Solicitations of a particular class, such
				as governmental employees, by use of advertisements which state or imply that
				their occupational status entitles them to reduced rates on a group or other
				basis when in fact the policy being advertised is sold only on an individual
				basis at regular rates is prohibited.
(c) Advertisements indicating that a
				particular coverage or policy is exclusively for "preferred risks," a
				particular segment of the population, or that a particular segment of the
				population is an acceptable risk when the distinctions are not maintained in
				issuing policies are prohibited.
(d) An advertisement to join an association,
				trust, or discretionary group that is also an invitation to contract for
				insurance coverage shall clearly disclose that the applicant will be purchasing
				both membership in the association, trust, or discretionary group and insurance
				coverage. The insurer shall solicit insurance coverage on a separate and
				distinct application requiring a separate signature. The separate and distinct
				applications required need not be on separate documents or contained in a
				separate mailing. The insurance program shall be presented so as not to conceal
				the fact that prospective members are purchasing insurance as well as applying
				for membership, if that is the case. Similarly, it is prohibited to use terms
				such as "enroll" or "join" to imply group or blanket insurance coverage when
				that is not the fact.
(e)
				Advertisements for group or franchising plans providing a common benefit or a
				common combination of benefits shall not imply that the insurance coverage is
				tailored or designed specifically for that group, unless that is the
				fact.
Wyoming Administrative Code › Agency 044 - Insurance Dept › Sub-Agency 0002 - General Agency, Board or Commission Rules › Chapter 21 - Rules Governing Advertisements of Accident and Sickness Insurance › Section 21-16 - Introductory, Initial or Special Offers

Current through July 13, 2024
(a) An advertisement of an individual policy
				shall not directly or by implication represent that a contract or combination
				of contracts is an introductory, initial, or special offer, that applicants
				will receive substantial advantages not available at a later date, or that the
				offer is available only to a specified group of individuals, unless that is the
				fact. An advertisement shall not contain phrases describing an enrollment
				period as "special," "limited," or similar words or phrases when the insurer
				uses the enrollment periods as the usual method of marketing accident and
				sickness insurance.
(b) An
				enrollment period included in limited health benefit plans during which a
				particular insurance product may be purchased on an individual basis shall not
				be offered within Wyoming unless there has been a lapse of not less than
				twenty-four (24) months between the close of the immediately preceding
				enrollment period for the same product and the opening of the new enrollment
				period. The advertisement shall indicate the date by which the applicant must
				mail the application, which shall not be less than ten (10) days and not more
				than forty (40) days from the date the enrollment period is advertised for the
				first time. This regulation applies to all advertising media, i.e., mail,
				newspapers, the Internet, radio, television, magazines and periodicals, by any
				one insurer. It is inapplicable to solicitations of employees or members of a
				particular group or association otherwise eligible under specific provisions of
				the Insurance Code for group, blanket, or franchise insurance. The phrase "any
				one insurer" includes all affiliated companies of a group of insurance
				companies under common management or control.
(i) The phrase "a particular insurance
				product" means an insurance policy providing substantially different benefits
				than those contained in any other policy. Different terms of renewability; an
				increase or decrease in the dollar amounts of benefits; and an increase or
				decrease in any elimination period or waiting period from those available
				during an enrollment period for another policy are not sufficient to constitute
				the product being offered as a different product eligible for concurrent or
				overlapping enrollment periods.
Wyoming Administrative Code › Agency 044 - Insurance Dept › Sub-Agency 0002 - General Agency, Board or Commission Rules › Chapter 21 - Rules Governing Advertisements of Accident and Sickness Insurance › Section 21-17 - Statements About an Insurer

Current through July 13, 2024
An advertisement shall not contain statements which are
				  untrue in fact, or by implication misleading, with respect to the assets,
				  corporate structure, financial standing, age, or relative position of the
				  insurer in the insurance business. An advertisement shall not contain a
				  recommendation by any commercial rating system unless it clearly indicates the
				  purpose of the recommendation and the limitations of the scope and extent of
				  the recommendations.
Wyoming Administrative Code › Agency 044 - Insurance Dept › Sub-Agency 0002 - General Agency, Board or Commission Rules › Chapter 21 - Rules Governing Advertisements of Accident and Sickness Insurance › Section 21-18 - Enforcement Procedures

Current through July 13, 2024
(a) Each insurer shall maintain at its home
				or principal office a complete file containing every advertisement of its
				individual policies and typical advertisements of its blanket, franchise, and
				group policies disseminated in this or any other state, whether or not licensed
				in another state, with a notation attached to each advertisement indicating the
				manner and extent of distribution and the form number of any policy advertised.
				The file shall be subject to regular and periodical inspection by the
				Commissioner. All advertisements shall be maintained in a file for a period of
				either four (4) years or until the filing of the next regular report on
				examination of the insurer, whichever is the longer period of time. The
				provisions of this paragraph shall also apply to all insurer-approved agency
				advertisement.
(b) Each insurer
				required to file an annual statement shall file with the Commissioner by March
				1 of each year a certificate of compliance executed by an authorized officer of
				the insurer stating that, to the best of the officer's knowledge, information,
				and belief, the advertisements disseminated by the insurer during the preceding
				statement year complied with the provisions of this regulation and the
				insurance laws of Wyoming as implemented and interpreted by this
				regulation.
Wyoming Administrative Code › Agency 044 - Insurance Dept › Sub-Agency 0002 - General Agency, Board or Commission Rules › Chapter 21 - Rules Governing Advertisements of Accident and Sickness Insurance › Section 21-19 - Filing of Advertising Material

Current through July 13, 2024
At the Commissioner's discretion and request, any insurer or
				  agent may be required to submit all or any part of their advertisements to the
				  Department for review and approval prior to use.
Wyoming Administrative Code › Agency 044 - Insurance Dept › Sub-Agency 0002 - General Agency, Board or Commission Rules › Chapter 22 - REGULATION GOVERNING CLOSED BLOCKS OF BUSINESS › Section 22-1 - Authority

Current through July 13, 2024
This regulation governing closed blocks of business is
				  promulgated by the authority of and pursuant to the Wyoming Insurance Code W.S.
				  §§
									
										26-2-110 and
				  26-39-101 et.
				  seq.
Wyoming Administrative Code › Agency 044 - Insurance Dept › Sub-Agency 0002 - General Agency, Board or Commission Rules › Chapter 22 - REGULATION GOVERNING CLOSED BLOCKS OF BUSINESS › Section 22-2 - Definitions

Current through July 13, 2024
"Like Insureds" for the purposes of W.S. §
									
										26-39-103 shall mean those insureds
				  who:
(a) Are of the same underwriting
				risk classification as designated or approved by the Wyoming Insurance
				Commissioner; and
(b) Are insured
				under disability insurance policies providing the same type of coverage. Each
				of the following coverages shall be deemed a type of coverage:
(i) Hospital-surgical expense
				coverage;
(ii) Major medical
				expense coverage;
(iii) Hospital
				indemnity coverage;
(iv) Disability
				income coverage;
(v) Accident only
				coverage;
(vi) Specified disease
				coverage;
(vii) Medicare supplement
				coverage;
(viii) Mortgage
				disability coverage;
(ix) Long-term
				care coverage;
(x) Short-term
				non-renewable coverage; and
(xi)
				Such other coverages as designated or approved by the Commissioner.
Wyoming Administrative Code › Agency 044 - Insurance Dept › Sub-Agency 0002 - General Agency, Board or Commission Rules › Chapter 22 - REGULATION GOVERNING CLOSED BLOCKS OF BUSINESS › Section 22-3 - Closed Blocks

Current through July 13, 2024
An insurer will be presumed to have closed a block of
				  business in Wyoming pursuant to W.S. §
									
										26-39-102(a)(ii), if the
				  insurer has not marketed or sold a new contract in Wyoming in that block of
				  business during the preceding calendar year.
Wyoming Administrative Code › Agency 044 - Insurance Dept › Sub-Agency 0002 - General Agency, Board or Commission Rules › Chapter 22 - REGULATION GOVERNING CLOSED BLOCKS OF BUSINESS › Section 22-4 - Reporting Requirements

Current through July 13, 2024
On or before March 1 of each year, any insurer who has sold
				  an individual group or blanket disability contract or certificate, excluding
				  credit disability insurance as defined in W.S. §
									
										26-21-102(a)(ii), in Wyoming
				  in the past calendar year shall submit a report containing the following
				  information:
(a) A listing for the
				preceding calendar year of all blocks of business which still have Wyoming
				insureds as policy or certificate holders within each block as well as an
				indication as to whether each block has been closed according to the standard
				set forth in Section 3 of this regulation;
(b) A listing of the number of insureds on
				the first and last days of the reporting year in each block, and the number of
				insureds added or canceled from that block during reporting year.
(c) Such other information as the Insurance
				Commissioner deems necessary.
Wyoming Administrative Code › Agency 044 - Insurance Dept › Sub-Agency 0002 - General Agency, Board or Commission Rules › Chapter 22 - REGULATION GOVERNING CLOSED BLOCKS OF BUSINESS › Section 22-6 - Violations

Current through July 13, 2024
Any person who violates any provision of this regulation or
				  files false or fraudulent information required under Section 5, shall be
				  punishable in accordance with
				  W.S.
				  26-1-107 and, in addition, may have any
				  license or certificate of authority issued by this Department suspended or
				  revoked pursuant to W.S. W.S.
				  W.S.
				  26-9-136 and W.S. W.S.
				  W.S.
				  26-3-116.
Wyoming Administrative Code › Agency 044 - Insurance Dept › Sub-Agency 0002 - General Agency, Board or Commission Rules › Chapter 22 - REGULATION GOVERNING CLOSED BLOCKS OF BUSINESS › Section 22-7 - Severability

Current through July 13, 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 these rules and regulations and the application of such provision
				  to other persons and circumstances shall not be affected
				  thereby.
Wyoming Administrative Code › Agency 044 - Insurance Dept › Sub-Agency 0002 - General Agency, Board or Commission Rules › Chapter 23 - REGULATION GOVERNING UNINSURED MOTORIST ENDORSEMENTS › Section 23-1 - Authority

Current through July 13, 2024
These rules and regulations supplement W.S. §§
									
										26-2-110 and W.S. §
									
										26-15-101 et. seq. of the Wyoming Insurance
				  Code and the Wyoming Uninsured Motorists' Act W.S. §
									
										31-10-101, et. seq.
Wyoming Administrative Code › Agency 044 - Insurance Dept › Sub-Agency 0002 - General Agency, Board or Commission Rules › Chapter 23 - REGULATION GOVERNING UNINSURED MOTORIST ENDORSEMENTS › Section 23-2 - "Other" Insurance Clauses

Current through July 13, 2024
If an insured holds more than one policy of uninsured
				  motorists insurance or is entitled to recover under more than one policy of
				  uninsured motorists insurance, for which separate premiums have been paid, the
				  extent of this coverage will be the combined coverages under all policies, and
				  actual damages sustained by the insured will be recoverable to the full extent
				  of the combined limits of all such policies. Such recovery, however, will not
				  exceed the minimum requirements for coverage under W.S. §
									
										31-9-102, as to all other policies except the
				  primary policy. The primary policy shall be construed to mean that policy which
				  provides the coverage for the insured automobile involved in the
				  accident.
Wyoming Administrative Code › Agency 044 - Insurance Dept › Sub-Agency 0002 - General Agency, Board or Commission Rules › Chapter 23 - REGULATION GOVERNING UNINSURED MOTORIST ENDORSEMENTS › Section 23-3 - Reduction of Uninsured Motorists Coverage by Sums Paid Under Automobile Medical Coverage, Bodily Injury Coverage, and Worker's Compensation

Current through July 13, 2024
(a) Benefits payable under uninsured
				motorists coverage shall not be reduced by payments made under any other
				section of the policy, including, but not limited to, sums paid under
				automobile medical coverage and bodily injury liability coverage, where actual
				damages exceed the policy limits of the uninsured motorists coverage. Payment
				under the policy may only be reduced when total proven or undisputed damages
				incurred by the insured do not exceed the policy limits of the uninsured
				motorists coverage.
(b) Benefits
				payable under uninsured motorists coverage shall not be reduced by amounts paid
				under Worker's Compensation.
Wyoming Administrative Code › Agency 044 - Insurance Dept › Sub-Agency 0002 - General Agency, Board or Commission Rules › Chapter 23 - REGULATION GOVERNING UNINSURED MOTORIST ENDORSEMENTS › Section 23-4 - Hit-and-Run Coverage

Current through July 13, 2024
(a) Uninsured motorist endorsements that
				provide coverage against bodily injury inflicted by a hit-and-run motorist
				shall not restrict such coverage to injuries which result from actual physical
				contact with the hit-and-run vehicle.
(b) If a policy contains language requiring
				the insured to report a hit-and-run accident to a police officer or the
				Department of Motor Vehicles within a specific timeframe after the accident,
				the policy shall also include the phrase, " or as soon thereafter as is
				practicable under the circumstances."
(c) If a policy contains language requiring
				an insured to file with the insurer a statement or oath within a specific
				timeframe after the accident the policy shall also include the phrase "after
				request for the same is made by the insurer."
Wyoming Administrative Code › Agency 044 - Insurance Dept › Sub-Agency 0002 - General Agency, Board or Commission Rules › Chapter 23 - REGULATION GOVERNING UNINSURED MOTORIST ENDORSEMENTS › Section 23-5 - Defining an Uninsured Automobile

Current through July 13, 2024
(a) The definition of an uninsured automobile
				shall not include a provision that states the unauthorized use of a motor
				vehicle owned by a federal, state or local governmental agency is
				excluded.
(b) Any uninsured
				motorists coverage that excludes from the uninsured automobile definition any
				land motor vehicle or trailer while located for use as a residence or premises
				shall be amended to read "This exclusion shall not apply to mobile recreational
				vehicles while being used for normal and ordinary purposes."
Wyoming Administrative Code › Agency 044 - Insurance Dept › Sub-Agency 0002 - General Agency, Board or Commission Rules › Chapter 23 - REGULATION GOVERNING UNINSURED MOTORIST ENDORSEMENTS › Section 23-6 - Consent to Sue Clause

Current through July 13, 2024
Uninsured motorists coverage shall not contain any policy
				  language which requires the insured to obtain written consent of the insurer to
				  initiate an action against an uninsured motorist. The insurer shall be entitled
				  to a copy of the complaint and summons.
Wyoming Administrative Code › Agency 044 - Insurance Dept › Sub-Agency 0002 - General Agency, Board or Commission Rules › Chapter 23 - REGULATION GOVERNING UNINSURED MOTORIST ENDORSEMENTS › Section 23-7 - Mandatory Arbitration Clause

Current through July 13, 2024
Uninsured motorists coverage shall not contain a mandatory
				  arbitration clause. An arbitration clause shall not require that the decision
				  is binding on the parties without the right of appeal unless the parties agree
				  to be so bound by a separate written agreement.
Wyoming Administrative Code › Agency 044 - Insurance Dept › Sub-Agency 0002 - General Agency, Board or Commission Rules › Chapter 23 - REGULATION GOVERNING UNINSURED MOTORIST ENDORSEMENTS › Section 23-8 - Benefits in Excess of Damages

Current through July 13, 2024
Payments shall not be required under uninsured motorists
				  coverage which would result in duplicate payment for the same elements of loss
				  or payment in excess of damages sustained.
Wyoming Administrative Code › Agency 044 - Insurance Dept › Sub-Agency 0002 - General Agency, Board or Commission Rules › Chapter 23 - REGULATION GOVERNING UNINSURED MOTORIST ENDORSEMENTS › Section 23-10 - Benefits in Excess of Actual Damages Not to be Inferred

Current through July 13, 2024
Notwithstanding any other section of this regulation, no
				  payments will be required under uninsured motorists coverage which would result
				  in duplicate payment for the same elements of loss or payment in excess of
				  damages sustained.
Wyoming Administrative Code › Agency 044 - Insurance Dept › Sub-Agency 0002 - General Agency, Board or Commission Rules › Chapter 24 - PRIVATE PASSENGER LIABILITY POLICIES › Section 24-1 - Authority

Current through July 13, 2024
These rules and regulations governing the policy provisions
				  of the Liability Section of private passenger automobile policies marketed in
				  the State of Wyoming supplement Section
										26-15-113 of the Wyoming Insurance Code. They
				  are promulgated by authority of and pursuant to the Wyoming Administrative
				  Procedures Act (
				  
										16-3-101 et seq.) and to Sections
				  
										26-2-110 and
				  26-2-125 of the Wyoming Insurance
				  Code.
Wyoming Administrative Code › Agency 044 - Insurance Dept › Sub-Agency 0002 - General Agency, Board or Commission Rules › Chapter 24 - PRIVATE PASSENGER LIABILITY POLICIES › Section 24-2 - Purpose

Current through July 13, 2024
The purpose of this regulation is to lessen a gap in coverage
				  that exists when the named insured, in the course of his employment in a
				  business other than the automobile business, negligently injures a fellow
				  employee while driving (1) certain non-owned vehicles, the use of which is
				  otherwise insured, or (2) the owned motor vehicle. The above situations are
				  excluded from many automobile liability policies issued in this state. These
				  exclusions were intended to avoid duplication of benefits to an injured party
				  under the liability contract and the Workmen's Compensation Law. The State of
				  Wyoming Workmen's Compensation Act is captive for hazardous occupations, but
				  excludes non-hazardous occupations-thus a gap in coverage is
				  possible.
Wyoming Administrative Code › Agency 044 - Insurance Dept › Sub-Agency 0002 - General Agency, Board or Commission Rules › Chapter 24 - PRIVATE PASSENGER LIABILITY POLICIES › Section 24-4 - Definitions

Current through July 13, 2024
Types of vehicles which are not peculiar to business or
				  industry and might reasonably be styled as family type vehicles shall not be
				  excluded from the coverage afforded for non-owned auto. Such vehicles take the
				  form of vans, panel deliveries, pickups, etc. If the policy language
				  distinguishes between different types of vehicles such as "private passenger"
				  and "utility" or definitions of similar import; the van-panel delivery-pickup
				  type must be included in the definition which affords non-owned coverage. A
				  suggested demarcation might be between 10,000 and 10,001 pounds of gross
				  vehicle weight. This of course, need not affect the automobile business
				  exclusion.
Wyoming Administrative Code › Agency 044 - Insurance Dept › Sub-Agency 0002 - General Agency, Board or Commission Rules › Chapter 24 - PRIVATE PASSENGER LIABILITY POLICIES › Section 24-5 - Minimum Coverage

Current through July 13, 2024
Consistent with the Wyoming Safety Responsibility Act, any
				  private passenger automobile policy which provides Bodily Injury Liability
				  coverage may not exclude the named insured from such coverage for bodily injury
				  to a fellow employee of the named insured injured in the course of such
				  employment in a business other than the automobile business and arising out of
				  the use by the named insured of
(a) The
				owned motor vehicle, or
(b) A
				non-owned private passenger or utility automobile the use of which is otherwise
				covered by the policy.
Liability coverage may be excluded from the above described
				  situations for those injuries which are required to be compensated, under any
				  Workmen's Compensation Law.
Wyoming Administrative Code › Agency 044 - Insurance Dept › Sub-Agency 0002 - General Agency, Board or Commission Rules › Chapter 25 - INFORMATION PRACTICES › Section 25-2 - Incorporation by Reference

Current through July 13, 2024
(a) For any code, standard, rule, or
				regulation incorporated by reference in these rules:
(i) The Department of Insurance has
				determined that incorporation of the full text in these rules would be
				cumbersome or inefficient given the length or nature of the rules;
(ii) The incorporation by reference does not
				include any later amendments or editions of the incorporated matter beyond this
				chapter's effective date; and
(iii)
				The incorporated code, standard, rule, or regulation is maintained at the
				Department of Insurance and is available for public inspection and copying at
				cost at the same location.
Wyoming Administrative Code › Agency 044 - Insurance Dept › Sub-Agency 0002 - General Agency, Board or Commission Rules › Chapter 25 - INFORMATION PRACTICES › Section 25-4 - Request for Access

Current through July 13, 2024
The Commissioner or Deputy Commissioner of the Department or
				  their designee will make the determination as to whether Department records do
				  contain information subject to disclosure. The Department reserves the right to
				  apply to the district court of the district in which such record is located,
				  for an order restricting access to any record whenever, in the judgment of the
				  responsible authority, that disclosure would do substantial damage to "the
				  public interest." When denying access to any record, the Insurance Department
				  will inform the requester of the statutory basis for denial of access. Upon
				  receiving a request for a written statement of the basis for denial the
				  Department will provide such a statement.
Wyoming Administrative Code › Agency 044 - Insurance Dept › Sub-Agency 0002 - General Agency, Board or Commission Rules › Chapter 25 - INFORMATION PRACTICES › Section 25-6 - Categories of Non-Disclosable Records

Current through July 13, 2024
Without limiting records which may be deemed confidential,
				  the following records shall be treated accordingly:
(a) Investigatory files compiled for law
				enforcement purposes. Unless the Department determines otherwise, no data or
				information contained in investigatory files compiled for law enforcement
				purposes will be made available for public disclosure until a decision has been
				made not to institute informal or formal enforcement action or, if instituted,
				until such action is completed. Before the investigatory file is made available
				for disclosure it shall first have information which remains confidential under
				these rules or other applicable law redacted.
(b) Trade secrets and confidential data or
				information;
(i) Data and information which
				are submitted to the Department or contained in any records of the Department
				and which constitute trade secrets or which are confidential are not available
				for public disclosure. Such data and information will be deleted from any
				documents that are otherwise available for public disclosure before they are
				furnished to the public.
(ii) A
				trade secret may consist of any compilation of information which is used in
				one's business and which gives him an opportunity to obtain an advantage over
				competitors who do not know or use it.
(iii) Confidential data or information
				includes trade secrets and other valuable data or information of a type
				customarily held in strict confidence or regarded as privileged and not
				disclosed to the public by the person to whom it belongs.
Wyoming Administrative Code › Agency 044 - Insurance Dept › Sub-Agency 0002 - General Agency, Board or Commission Rules › Chapter 25 - INFORMATION PRACTICES › Section 25-7 - Correction and Amendment

Current through July 13, 2024
The individual who is the subject of the record shall have
				  the right, subject to these rules, to inspect the record, receive copies of the
				  record, and to bring to the attention of the Insurance Department any
				  erroneous, inaccurate or misleading information that is contained in the
				  records and shall have the right to submit corrective data as to the alleged
				  inaccuracies. The corrective submission must identify the specific record and
				  the proposed amendment to subject record. If a dispute arises in regard to
				  access or amendment of a record, the dispute will be presented to the
				  Commissioner or Deputy Commissioner of Insurance for resolution. The
				  individual, if not satisfied, shall have the right to seek redress as provided
				  in the Wyoming Administrative Procedure Act.
Wyoming Administrative Code › Agency 044 - Insurance Dept › Sub-Agency 0002 - General Agency, Board or Commission Rules › Chapter 25 - INFORMATION PRACTICES › Section 25-8 - Personnel Records

Current through July 13, 2024
Access to an individual's personnel files maintained by this
				  Department shall be treated as provided in the Wyoming Public Records Act, and
				  applicable rules of the Wyoming Administration and Information Department.
				  Responses to requests for recommendations of past employees shall be limited to
				  employment dates, responsibilities, and the gross annual salary of the past or
				  present employee.
Wyoming Administrative Code › Agency 044 - Insurance Dept › Sub-Agency 0002 - General Agency, Board or Commission Rules › Chapter 25 - INFORMATION PRACTICES › Section 25-9 - Maintenance of Records

Current through July 13, 2024
When requesting information from an individual, if the
				  individual so requests in writing, the Insurance Department will provide the
				  statutory authority that allows the agency to solicit said information; the
				  purpose and uses for which the information is sought; the public or
				  confidential classification of the solicited information and the
				  voluntary/mandatory status of providing all of the requested
				  information.
Wyoming Administrative Code › Agency 044 - Insurance Dept › Sub-Agency 0002 - General Agency, Board or Commission Rules › Chapter 25 - INFORMATION PRACTICES › Section 25-10 - Medical Records

Current through July 13, 2024
An individual's medical records will only be disclosed to a
				  third party pursuant to a written authorization by the person who is named in
				  the records, or as otherwise may be provided for by law.
Wyoming Administrative Code › Agency 044 - Insurance Dept › Sub-Agency 0002 - General Agency, Board or Commission Rules › Chapter 26 - REGULATION GOVERNING ADJUSTMENT OF DAMAGES TO DWELLING ROOFS UNDER HOMEOWNERS' POLICIES › Section 26-1 - Authority

Current through July 13, 2024
These rules and regulations governing the adjustment of roof
				  damage under Homeowners' Policies marketed in the State of Wyoming are
				  initiated to supplement W.S. §
									
										26-15-113. They are promulgated by authority
				  of and pursuant to the W.S. §§
									
										16-3-101 through
				  16-3-115 and W.S. §§
									
										26-2-110 and
				  26-2-125.
Wyoming Administrative Code › Agency 044 - Insurance Dept › Sub-Agency 0002 - General Agency, Board or Commission Rules › Chapter 26 - REGULATION GOVERNING ADJUSTMENT OF DAMAGES TO DWELLING ROOFS UNDER HOMEOWNERS' POLICIES › Section 26-2 - Adjustment Practices

Current through July 13, 2024
If the shingles are obsolete and there is partial damage,
				  i.e., a full slope of the roof, it shall be construed that the full roof has
				  been damaged and adjustment shall be made on that basis.
Wyoming Administrative Code › Agency 044 - Insurance Dept › Sub-Agency 0002 - General Agency, Board or Commission Rules › Chapter 26 - REGULATION GOVERNING ADJUSTMENT OF DAMAGES TO DWELLING ROOFS UNDER HOMEOWNERS' POLICIES › Section 26-4 - Adjustment Practices

Current through July 13, 2024
If the shingles are obsolete and there is partial damage,
				  i.e., a full slope of the roof, it shall be construed that the full roof has
				  been damaged and adjustment shall be made on that basis.
Wyoming Administrative Code › Agency 044 - Insurance Dept › Sub-Agency 0002 - General Agency, Board or Commission Rules › Chapter 26 - REGULATION GOVERNING ADJUSTMENT OF DAMAGES TO DWELLING ROOFS UNDER HOMEOWNERS' POLICIES › Section 26-6 - Repealer

Current through July 13, 2024
The regulations of 6 October 1977 governing adjustment of
				  damages to dwelling roofs under Homeowners' Policies are repealed as of the
				  effective date of these regulations.
Wyoming Administrative Code › Agency 044 - Insurance Dept › Sub-Agency 0002 - General Agency, Board or Commission Rules › Chapter 28 - REGULATION GOVERNING PERPETUAL CARE TRUST FUNDS FOR PRIVATELY OWNED CEMETERIES › Section 28-1 - Authority

Current through July 13, 2024
These regulations govern perpetual care trust funds for any
				  cemetery organized by any individual, group of individuals, corporation or
				  association and are promulgated pursuant to W.S. §§
									16-3-101
et seq.,
26-2-109,
				  26-2-110,
				  35-8-101,
et
				  seq.
,
				  35-8-404, and
				  35-8-407. These regulations do not
				  apply to cemeteries formed by municipal corporations and duly organized
				  cemetery districts.
Wyoming Administrative Code › Agency 044 - Insurance Dept › Sub-Agency 0002 - General Agency, Board or Commission Rules › Chapter 28 - REGULATION GOVERNING PERPETUAL CARE TRUST FUNDS FOR PRIVATELY OWNED CEMETERIES › Section 28-2 - Definitions

Current through July 13, 2024
Unless otherwise stated, the definitions found in W.S.
				  §§
									26-1-102,
				  33-16-502, and
				  35-8-401 shall apply.
(a) "Buyer" means any person, including
				individuals who are employees or officers of a corporation owning the
				disposition site, who purchases or receives a disposition site.
(b) "Disposition site" means any structure,
				lot, or other physical location used for the final disposition of a deceased
				human body.
(c) "Lot" or "grave"
				means a space of ground in a cemetery intended to be used for the permanent
				disposition of a deceased human body.
(d) "Perpetual care" refers to the general
				maintenance of the cemetery including: the cutting and trimming of lawn,
				shrubs, and trees at reasonable intervals; keeping all places where interments
				have been made in proper order; keeping in repair the drains, waterlines,
				roads, buildings, fences, and other structures consistent with a
				well-maintained cemetery. It shall also include overhead expenses necessary for
				such purposes, including maintenance of machinery, tools and equipment for such
				care, compensation of employees, payment of reasonable and necessary insurance
				premiums, reasonable payments for employees' pension and other benefit plans,
				and the maintenance of necessary records of lot ownership, transfers and
				burials. It also includes the administration of endowed care funds in those
				instances wherein those administering such funds fail or refuse to
				act.
(e) "Privately owned cemetery"
				means any cemetery organized by any person except municipal corporations and
				duly organized cemetery districts.
(f) "Seller" means an individual, group of
				individuals, corporation, or association who represent(s) themself(ves) as a
				privately owned cemetery to convey privately owned disposition site
				ownership.