Rules and Regulations of the State of Georgia
 

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  • 1. In the address bar, type about:config and press Enter.
  • 2. Click "I'll be careful, I promise" if a warning message appears.
  • 3. In the search box, search for javascript.enabled
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  1. On web browser menu click "Tools" and select "Internet Options"
  2. In the "Internet Options" window select the "Security" tab.
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  8. Click on the "Refresh" button of the web browser to refresh the page.
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  • 1. a) Click on "Menu", hover mouse on the "Settings" then hover mouse on the "Quick preferences" and mark the "Enable Javascript" checkbox.
  • 1. b) If "Menu bar" is shown click on the "Tools", hover mouse on the "Quick preferences" and mark the "Enable Javascript" checkbox.
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<xmp>.</xmp> <form name="form1" method="post" action="120-2-1?urlRedirected=yes&amp;data=admin&amp;lookingfor=120-2-1" id="form1"> <input type="hidden" name="__VIEWSTATE" id="__VIEWSTATE" value="/wEPDwUKLTY5ODkwOTM2Nw8WAh4Ec3BhbQIJFgJmD2QWAgIFDw8WAh4EVGV4dAUFNCArIDVkZGQBN75cLLLReeGLf8dbAX5iBQSCNw==" /> <input type="hidden" name="__VIEWSTATEGENERATOR" id="__VIEWSTATEGENERATOR" value="EEBB6393" /> <input type="hidden" name="__EVENTVALIDATION" id="__EVENTVALIDATION" value="/wEWCAKz45/eBgLniKOhBALV5cpNAoa5iIEFAoznisYGAsrv5u0MAsrv4u0MAsrv3u0MBb8R1qymr0uoZ7grU/BQRdk5xX8=" /> <div class='popup'> <div class='cnt223'> <div style="margin-bottom:6px;"> <img alt="Rules and Regulations of the State of Georgia" src="/images/new.gif"/> </div> <div class="header"> Terms and Conditions of Agreement for Access to Rules and Regulations of the State of Georgia Website </div> <div class="scroll"> <p>(Note: certain features of this site have been disabled for the general public to prevent digital piracy. If you are an entitled government entity pursuant the Georgia Administrative Procedures Act, <a target="_new" href="http://links.casemakerlegal.com/states/GA/books/Code_of_Georgia/browse?ci=25id=gasos&amp;codesec=50-13-7&amp;title=50&amp;#50-13-7(d)">O.C.G.A.§ 50-13-7(d)</a> contact the State of Georgia's Administrative Procedures Division at 678-364-3785 to enable these features for your location.)</p> <p>To access this website, you must agree to the following: </p> <p> These terms of use are a contract between you and/or your employer (if any), and Lawriter, LLC. </p> <p> You agree that you will not copy, print, or download anything from this website for any commercial use. </p> <p> You agree not to use any web crawler, scraper, or other robot or automated program or device to obtain data from the website.</p> <p> You agree that you will not sell, will not license, and will not otherwise make available in exchange for anything of value, anything that you download, print, or copy from this site.</p> <p> You agree that you will not copy, print, or download any portion of the regulations posted on this site exceeding a single chapter of regulations for sale, license, or other transfer to a third party, except that you may quote a reasonable portion of the regulations in the course of rendering professional advice.</p> <p> If you violate this agreement, or if you access or use this website in violation of this agreement, you agree that Lawriter will suffer damages of at least $20,000. </p> <p> THIS WEBSITE AND ITS CONTENT ARE PROVIDED "AS IS." THE STATE OF GEORGIA AND LAWRITER EXPRESSLY DISCLAIM ALL WARRANTIES, INCLUDING THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT AND ARE NOT LIABLE TO ANY PERSON FOR ANY ERRORS IN INACCURACIES CONTAINED IN THIS WEBSITE. </p> <p> If you accept these terms enter the information below and click “I AGREE”.</p> </div> <table border="0" style="width: 810px"> <tr> </tr> <tr> <td style="vertical-align: text-top; width: 243px;"> Full Name:</td> <td style="width: 532px; vertical-align:super;"> <input name="firstName" type="text" id="firstName" class="txt" /> <span id="lbl_fname"><font color="Red"></font></span> </td> </tr> <tr><td style="width: 243px"> Human verification: <b> <span id="lblStopSpam">4 + 5</span>&nbsp;= </b></td><td style="width: 532px"> <input name="captcha" type="text" id="captcha" class="txt" /> <span id="lbl_captcha"><font color="Red"></font></span> &nbsp; <input name="sum" type="hidden" id="sum" value="9" /> </td></tr> </table> <input type="submit" name="Button1" value="I AGREE" id="Button1" disabled="disabled" /> <span id="alrtmsg"><font color="Red"></font></span> <input name="v1" type="hidden" id="v1" /> <input name="v2" type="hidden" id="v2" /> <input name="v3" type="hidden" id="v3" /> <p>Privacy Policy: the above information is for internal use only as related to this agreement and will not be sold or distributed.</p> </div> </div> </form> <html> <head runat="server"> <title>GA - GAC</title> <link href="_files/main.css" media="all" rel="Stylesheet" type="text/css" /> <link href="_files/treeview_old.css" media="all" rel="Stylesheet" type="text/css" /> <link href="/_files/popup.css" media="all" rel="stylesheet" type="text/css" /> <script type="text/javascript" src="/_files/treeview.js"></script> <script type="text/javascript" src="/_files/jquery-1.8.0.min.js"></script> <script type="text/javascript" src="/_files/jquery-1.10.2.js"></script> <script type="text/javascript" src="/_files/popup.js"></script> <script type="text/javascript" src="http://code.jquery.com/jquery-1.8.2.js"></script> <script type="text/javascript" src="https://ajax.googleapis.com/ajax/libs/jquery/1.8/jquery.min.js" /> <script type="text/javascript" src="/_files/jquery.popup.js"></script> <script type="text/javascript" src="/_files/jquery.popup.min.js"></script> <script type="text/javascript" src="/_files/ValidateForm.js"></script> <script src="https://code.jquery.com/jquery-1.11.3.js"></script> <link href="/_files/enablejs.css" rel="Stylesheet" type="text/css" /> <link href="/_files/forJavascript.css" rel="Stylesheet" type="text/css" /> <style type="text/css"> .collapse{background-image:url('/images/expcoll_right.png');} .expand{background-image:url('/images/expcoll_down.png');} </style> <script type="text/javascript"> $(document).ready(function(){ $("#History-parent").click(function(){ $("#History-Childs").toggle(); if ($('#History-parent img').hasClass('expand')) { $('#History-parent img').addClass('collapse'); $('#History-parent img').removeClass('expand'); $('#History-parent img').attr('src', '/images/expcoll_right.png'); } else { $('#History-parent img').removeClass('collapse'); $('#History-parent img').addClass('expand'); $('#History-parent img').attr('src', '/images/expcoll_down.png'); } }); $("#History-Childs").hide(); var tocnode=document.getElementById('toc-children'); if (tocnode != null) { if(tocnode.childNodes.length != 0) { document.getElementById("doc-content").style.width="72%"; document.getElementById("toc").style.width="21%"; document.getElementById("toc").style.padding="10px"; } else { document.getElementById('toc').style.display="none"; } } }); function fnsetRDVal(id) { if (id=="y") { document.getElementById("y").value="yes" document.getElementById("n").value="" } else { document.getElementById("n").value="no" document.getElementById("y").value="" } } </script> <script type="text/javascript"> function TermsCon() { var overlay = $('<div id="overlay"></div>'); overlay.show(); overlay.appendTo(document.body); $('.popup2').show(); $('#btnAgree').click(function () { $('.popup2').hide(); $("#overlay").hide(); overlay.appendTo(document.body).remove(); }); $("#btnprint").click(function () { var contents = $("#popupterms").html(); var frame1 = $('<iframe />'); frame1[0].name = "frame1"; frame1.css({ "position": "absolute", "top": "-1000000px" }); $("body").append(frame1); var frameDoc = frame1[0].contentWindow ? 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If you are an entitled government entity pursuant the Georgia Administrative Procedures Act, <a target="_new" href="http://links.casemakerlegal.com/states/GA/books/Code_of_Georgia/browse?ci=25id=gasos&amp;codesec=50-13-7&amp;title=50&amp;#50-13-7(d)">O.C.G.A.§ 50-13-7(d)</a> contact the State of Georgia's Administrative Procedures Division at 678-364-3785 to enable these features for your location.)</p> <p>To access this website, you must agree to the following: </p> <p> These terms of use are a contract between you and/or your employer (if any), and Lawriter, LLC. </p> <p> You agree not to use any web crawler, scraper, or other robot or automated program or device to obtain data from the website. </p> <p> You agree that you will not sell or license anything that you download, print, or copy from this website.</p> <p> THIS WEBSITE AND ITS CONTENT ARE PROVIDED "AS IS." THE STATE OF GEORGIA AND LAWRITER EXPRESSLY DISCLAIM ALL WARRANTIES, INCLUDING THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT AND ARE NOT LIABLE TO ANY PERSON FOR ANY ERRORS IN INACCURACIES CONTAINED IN THIS WEBSITE. </p> <p> By accessing and/or using this website, you agree to the terms and conditions above. If you do not agree to the terms and conditions above, you must cease accessing and/or using this website and destroy all material obtained from this website without your agreement. </p> </div> </div> <div class="modal-footer"> <input type="button" name="btnAgree" value="Close" id="btnAgree" class="btn-blue noprint" /> <input type="button" name="btnprint" value="Print" id="btnprint" class="btn-blue noprint" /> </div> </div> </div> <div id="main" class="noprint"> <!--class="noprint"--> <div id="header" class="noprint"> <div class="container"> <div class="terms"> NOTICE OF TERMS OF USE OF THIS WEBSITE. 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The Commissioner's duties, powers, and authority are those enumerated in the Georgia Insurance Code, codified as Title 33 of the Official Code of Georgia Annotated, and related statutes. In the proper exercise of his duties, powers and authority, he has deemed it in the interest of the citizens of the State of Georgia to establish the following division of his office: Insurance Division, Industrial Loan Division, Safety Fire Division, and Administrative Division. The organization of the Office of Commissioner of Insurance and of the Insurance Divisions are depicted in Appendix A to this Rule. The Insurance Division shall consist of the Agents Licensing Section, Consumer Services Section, Regulatory Services Section, Life and Accident and Sickness Section, Property and Casualty Section, and Examinations Section. The division shall be headed by a director. Each section shall be under the supervision and direction of an assistant director.</P> <h2><a href="/GAC/120-2-1-.02" name="120-2-1-.02" title="120-2-1-.02">Rule 120-2-1-.02 Agents Licensing Section</a></h2> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-1-.02(1)">(1)</a></td> <td valign="top" style="text-align:left" class="leftalign"> The Agents Licensing Section is charged with the responsibility of protecting the citizens of this State by approving for licensing and renewal only those applicants who possess the mental ability and the moral character that is needed to suppress misrepresentation of the product to be offered.</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-1-.02(2)">(2)</a></td> <td valign="top" style="text-align:left" class="leftalign"> This section endeavors to promote the dignity of career insurance representatives by strict enforcement of qualification requirements and by firm but fair disposition of violations of the Georgia Insurance Code, with no individual exceptions. Effort is also made to improve public acceptance of insurance by careful screening and testing of proposed representatives and by consistent elimination of those licensees who, through unethical, unfair, or illegal practices, tend to destroy confidence in the industry.</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-1-.02(3)">(3)</a></td> <td valign="top" style="text-align:left" class="leftalign"> In order to accomplish these desired results, the Agents Licensing Section has been given the authority and duties set forth in paragraph (4) of this Rule.</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-1-.02(4)">(4)</a></td> <td valign="top" style="text-align:left" class="leftalign"> The section shall: <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-1-.02(4)(a)">(a)</a></td> <td valign="top" style="text-align:left" class="leftalign"> Administer license qualifications prescribed by law and departmental regulations.</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-1-.02(4)(b)">(b)</a></td> <td valign="top" style="text-align:left" class="leftalign"> Approve formal classroom training courses required of applicants as agents for life and accident and sickness, property and allied lines, and casualty, surety and allied lines.</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-1-.02(4)(c)">(c)</a></td> <td valign="top" style="text-align:left" class="leftalign"> Issue temporary licenses and examination permits to qualified, first-time applicants. Upon receipt of completed application and proper fees, a qualified applicant is sent a temporary license or examination permit.</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-1-.02(4)(d)">(d)</a></td> <td valign="top" style="text-align:left" class="leftalign"> Prepare or arrange for the preparation of an examination study manual. Study manuals are prepared by the Commissioner to aid applicants for licensing to gain knowledge required to pass the required written examination. Such manuals are available from the section upon payment of the applicable fee.</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-1-.02(4)(e)">(e)</a></td> <td valign="top" style="text-align:left" class="leftalign"> Prepare and conduct all license examinations. The place, date, and time for conducting an examination shall be as specified on the examination permit. Questions, for courses in which a study manual has been prepared, shall come from such study manuals, otherwise, from reference materials recommended by departmental regulations. Applicants must present to the examiner a valid examination permit to be entitled to take the examination.</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-1-.02(4)(f)">(f)</a></td> <td valign="top" style="text-align:left" class="leftalign"> Issue permanent licenses. The address of the licensee appearing on the license shall be the business address of property and casualty licenses; business address of life, accident and sickness licenses if, licensee's business and residence address are in the same city; and when the licensee's business and residence addresses are in different cities, licenses will reflect the licensee's residence address.</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-1-.02(4)(g)">(g)</a></td> <td valign="top" style="text-align:left" class="leftalign"> Renew licenses. Renewal and applications will be sent to all licensees holding licenses during the current license year. Such applicants should request late renewal applications if no license was held during the current license year. The renewal application contains a replica of the agent's license; licensee shall check the replica for accuracy; space is provided to insert any corrections. Applicant for renewal shall answer all questions, date, and sign the application. Completed applications shall be submitted to the section with the proper renewal license fee.</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-1-.02(4)(h)">(h)</a></td> <td valign="top" style="text-align:left" class="leftalign"> Collect all license and examination fees. License and examination fees are prescribed and required by law to be collected in advance.</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-1-.02(4)(i)">(i)</a></td> <td valign="top" style="text-align:left" class="leftalign"> Work out reciprocal agreements with other states for nonresident applicants. The section shall see that Georgia licensees are admitted into other states on the same basis as such other states' licensees are admitted into Georgia. Since it is necessary to change these agreements from time to time because of changes in state insurance laws of the various states, any resident agent interested in securing such a license should contact the section for up-to-date information on the type of licenses which may be secured and the required fees.</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-1-.02(4)(j)">(j)</a></td> <td valign="top" style="text-align:left" class="leftalign"> Provide letters of certification for Georgia agents seeking licenses in other states. Such letters will be provided if requested by the licensee, an insurance company official or an insurance regulatory official of such other state. Such letter shall be addressed and sent to whomever the requesting party designated. Such letter shall certify only as to those facts appearing in the records of the section.</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-1-.02(4)(k)">(k)</a></td> <td valign="top" style="text-align:left" class="leftalign"> Handle complaints involving misappropriation of funds, conversion of funds to an agent's personal use, or withholding funds collected by an agent belonging to an insurer, insured, or a beneficiary as such complaints are filed by insurers against agents. The section shall require the insurer to make the charge in writing and furnish proof. The agent shall be notified of the charge and requested to admit or deny such charges. If the agent denies the charge, the agent shall furnish proof to refute it. The section shall request the Administrative Law Section of the Administrative Division to conduct an investigation to determine the facts.</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-1-.02(4)(l)">(l)</a></td> <td valign="top" style="text-align:left" class="leftalign"> Work in conjunction with the Consumer Services Section with other type complaints filed by insurers against agents for the purpose of determining the facts and coordinating action.</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-1-.02(4)(m)">(m)</a></td> <td valign="top" style="text-align:left" class="leftalign"> Conduct such pre-hearing conferences with agents as may be necessary for determination if formal hearings are necessary.</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-1-.02(4)(n)">(n)</a></td> <td valign="top" style="text-align:left" class="leftalign"> Request formal hearings for license revocations. If, in the opinion of the assistant director, satisfactory evidence or answers were not given at the pre-hearing conference, the agent shall be notified that he can either voluntarily surrender his license or attend a formal hearing to show cause why his license should not be revoked. If the agent desires a formal hearing, his file is passed to the Administrative Law Section of the Administrative Division with the request that an appropriate order be drawn.</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-1-.02(4)(o)">(o)</a></td> <td valign="top" style="text-align:left" class="leftalign"> Advise all companies of any changes in the status of their agents' licenses for the purpose of restricting or curtailing an agent's authority to act or termination of the agent's services if the discrepancy warrants such action.</td> </tr> </table> </td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-1-.02(5)">(5)</a></td> <td valign="top" style="text-align:left" class="leftalign"> The Agents Licensing Section is under the supervision and direction of an assistant director, and such section has been delegated responsibility for administering paragraph (4) of this Rule. All inquiries, requests, and submissions respecting the matters therein set forth should be directed to: <P>Agents Licensing Section</P> <P> Office of Commissioner of Insurance</P> <P> 616 West Tower, Floyd Building</P> <P> Two Martin Luther King, Jr., Drive</P> <P> Atlanta, Georgia 30334</P> </td> </tr> </table> <h2><a href="/GAC/120-2-1-.03" name="120-2-1-.03" title="120-2-1-.03">Rule 120-2-1-.03 Consumer Services Section</a></h2> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-1-.03(1)">(1)</a></td> <td valign="top" style="text-align:left" class="leftalign"> The Consumer Services Section is the consumer assistance and investigative arm of the Office of Commissioner of Insurance and attempts to assure fair and honest dealings between insurers, agents, and policyholders in all insurance matters.</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-1-.03(2)">(2)</a></td> <td valign="top" style="text-align:left" class="leftalign"> The Consumer Services Section and the assistant director in charge have been vested with the authority and duties set forth in paragraph (3) of this Rule.</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-1-.03(3)">(3)</a></td> <td valign="top" style="text-align:left" class="leftalign"> This section shall: <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-1-.03(3)(a)">(a)</a></td> <td valign="top" style="text-align:left" class="leftalign"> Receive requests for assistance from agents, insurers, and policyholders.</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-1-.03(3)(b)">(b)</a></td> <td valign="top" style="text-align:left" class="leftalign"> Act upon either a written or telephone request or a personal visit to the office by a citizen.</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-1-.03(3)(c)">(c)</a></td> <td valign="top" style="text-align:left" class="leftalign"> Record the request for assistance. Such record shall contain the name of the citizen requesting assistance, the person or party against whom assistance is needed, and a statement of the nature of the request.</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-1-.03(3)(d)">(d)</a></td> <td valign="top" style="text-align:left" class="leftalign"> Assign the request for assistance to the consumer services personnel best qualified to make the particular type investigation involved.</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-1-.03(3)(e)">(e)</a></td> <td valign="top" style="text-align:left" class="leftalign"> Obtain through investigation all available data necessary to properly evaluate the claim.</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-1-.03(3)(f)">(f)</a></td> <td valign="top" style="text-align:left" class="leftalign"> Review the estimates of loss in all claims involving fire and casualty to determine if an offer is based on a legitimate estimate.</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-1-.03(3)(g)">(g)</a></td> <td valign="top" style="text-align:left" class="leftalign"> Have an informal conference between policyholders and company adjusters where needed, so that the conference will bring about a meeting of minds. Often these conferences are successful and bring about an amicable settlement.</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-1-.03(3)(h)">(h)</a></td> <td valign="top" style="text-align:left" class="leftalign"> Keep constantly alert for violations of the Unfair Trade Practices Act and investigation any apparent violations of such act; if an investigation discloses misrepresentation or any other unfair trade practice, the facts are submitted to the Commissioner for his determination as to the course to be followed to halt the practice.</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-1-.03(3)(i)">(i)</a></td> <td valign="top" style="text-align:left" class="leftalign"> Promptly investigate all complaints of every kind and nature and take such action within the law as the facts and the relationship of the parties dictate. Investigation is made regardless of the amount involved and the policyholder is informed as to the section's view. If the claim is deemed uncollectible, the file is closed.</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-1-.03(3)(j)">(j)</a></td> <td valign="top" style="text-align:left" class="leftalign"> Obtain and act upon an investigation from the appropriate personnel of the Office of Commissioner of Insurance if such investigation does not originate from the Consumer Services Section.</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-1-.03(3)(k)">(k)</a></td> <td valign="top" style="text-align:left" class="leftalign"> Participate in valid automobile claims when it appears that the company is acting in bad faith; that the adjuster assigned to the loss has made no honest effort to conclude it; that the company will not accept estimates of reputable garages or dealerships but insists that estimates of disreputable garages or dealerships be the basis of settlement and when an informal discussion of all aspects of loss between adjuster and aggrieved party will accomplish the desired result.</td> </tr> </table> </td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-1-.03(4)">(4)</a></td> <td valign="top" style="text-align:left" class="leftalign"> The section is under the supervision and direction of an assistant director, and such section has been delegated responsibility for administering paragraph (3) of this Rule. All inquiries, requests, and submissions respecting the matters therein set forth should be directed to: <P>Consumer Services Section</P> <P> Office of Commissioner of Insurance</P> <P> 716 West Tower, Floyd Building</P> <P> Two Martin Luther King, Jr., Drive</P> <P> Atlanta, Georgia 30334</P> </td> </tr> </table> <h2><a href="/GAC/120-2-1-.04" name="120-2-1-.04" title="120-2-1-.04">Rule 120-2-1-.04 Regulatory Services Section</a></h2> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-1-.04(1)">(1)</a></td> <td valign="top" style="text-align:left" class="leftalign"> The Regulatory Services Section provides insurance company regulatory oversight and related functions. It shall: <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-1-.04(1)(a)">(a)</a></td> <td valign="top" style="text-align:left" class="leftalign"> Grant or deny applications for certificates of authority. Form GID-1 entitled 'Instructions for Filing an Application for Original Certificate of Authority.' sets forth in detail the filing requirements, information, and instructions for the filing of applications for original certificates of authority to transact insurance business in Georgia.</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-1-.04(1)(b)">(b)</a></td> <td valign="top" style="text-align:left" class="leftalign"> Approve of disapprove all petitions filed with the Secretary of State for organizing domestic insurers. All such petitions are reviewed for the purpose of determining if petitioner's charter will enable petitioner to comply fully with the insurance laws. Such petition must be passed upon within forty-five (45) days of its submission to this section.</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-1-.04(1)(c)">(c)</a></td> <td valign="top" style="text-align:left" class="leftalign"> Renew certificates of authority. Form GID-9 contains the instructions for reviewing certificates of authority. Certificates of authority expire annually on June 30.</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-1-.04(1)(d)">(d)</a></td> <td valign="top" style="text-align:left" class="leftalign"> Determine when an insurer should be cited to show cause why its certificate of authority should not be suspended or revoked. The section may determine when a citation shall issue if the solvency of an insurer is in doubt, policyholder treatment is consistently less than fair and equitable, any false statement or misrepresentation is knowingly or willfully filed with the section that the insurer has engaged in any unfair trade practice, or for other violations of law.</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-1-.04(1)(e)">(e)</a></td> <td valign="top" style="text-align:left" class="leftalign"> Recommend to the Commissioner when court action should be taken. <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-1-.04(1)(e)1.">1.</a></td> <td valign="top" style="text-align:left" class="leftalign"> The section may recommend court proceedings when a citation has been ignored or defied.</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-1-.04(1)(e)2.">2.</a></td> <td valign="top" style="text-align:left" class="leftalign"> Whenever under the laws of this State a receiver is to be appointed in delinquency proceedings for a domestic insurer the Commissioner should be appointed receiver; the Commissioner should be appointed ancillary receiver for foreign or alien insurers.</td> </tr> </table> </td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-1-.04(1)(f)">(f)</a></td> <td valign="top" style="text-align:left" class="leftalign"> Pass upon eligibility, soundness, and the amount of securities to be deposited by an insurer to qualify for a certificate of authority. <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-1-.04(1)(f)1.">1.</a></td> <td valign="top" style="text-align:left" class="leftalign"> Eligibility and soundness shall be determined by the investment laws of this State.</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-1-.04(1)(f)2.">2.</a></td> <td valign="top" style="text-align:left" class="leftalign"> The amount is determined by the security having both par and market value of not less than the amount required by statute plus a reasonable margin for market fluctuation.</td> </tr> </table> </td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-1-.04(1)(g)">(g)</a></td> <td valign="top" style="text-align:left" class="leftalign"> Determine when an insurer may be permitted to withdraw its securities. <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-1-.04(1)(g)1.">1.</a></td> <td valign="top" style="text-align:left" class="leftalign"> Any deposit made in this state under the provisions of the Georgia Insurance Code shall be released: <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-1-.04(1)(g)1.(I)">(I)</a></td> <td valign="top" style="text-align:left" class="leftalign"> to the insurer upon extinguishment of all liability of the insurer for the security of which the deposit it held;</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-1-.04(1)(g)1.(II)">(II)</a></td> <td valign="top" style="text-align:left" class="leftalign"> to the insurer to the extent such deposit is in excess of the amount required; or</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-1-.04(1)(g)1.(III)">(III)</a></td> <td valign="top" style="text-align:left" class="leftalign"> upon proper order of a court of competent jurisdiction, to the receiver, conservator, rehabilitator, or liquidator of the insurer, or to any other properly designated official or officials who succeed to the management and control of the insurer's assets.</td> </tr> </table> </td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-1-.04(1)(g)2.">2.</a></td> <td valign="top" style="text-align:left" class="leftalign"> No such release of deposited funds shall be made except upon application to and the written order of the Commissioner. The Commissioner shall have no liability for any such release of any such deposit or part thereof so made by him in good faith.</td> </tr> </table> </td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-1-.04(1)(h)">(h)</a></td> <td valign="top" style="text-align:left" class="leftalign"> Review and recommend action to be taken upon all proposals for merger where a domestic insurer is a party. All proposals for merger are reviewed by this section for the purpose of determining if the resulting entity will be financially solvent and able to meet is obligations; that its capital structure and surplus are such as to comply with the Georgia Insurance Code; and that its management is familiar with the insurance industry and the management has no history of any involvement in any unfair trade practices.</td> </tr> </table> </td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-1-.04(2)">(2)</a></td> <td valign="top" style="text-align:left" class="leftalign"> The Regulatory Services Section is under the supervision and direction of an assistant director and such section has been delegated responsibility for administering paragraph (1) of this Rule. All inquiries, requests, and submissions respecting the matters therein set forth should be directed to: <P>Regulatory Services Section</P> <P> Office of Commissioner of Insurance</P> <P> 604 West Tower, Floyd Building</P> <P> Two Martin Luther King, Jr., Drive</P> <P> Atlanta, Georgia 30334</P> </td> </tr> </table> <h2><a href="/GAC/120-2-1-.05" name="120-2-1-.05" title="120-2-1-.05">Rule 120-2-1-.05 Life and Accident and Sickness Section</a></h2> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-1-.05(1)">(1)</a></td> <td valign="top" style="text-align:left" class="leftalign"> The Commissioner is charged by O.C.G.A. Section <a href="https://links.casemakerlegal.com/states/ga/books/Code_of_Georgia/browse?ci=25&amp;id=gasos&amp;codesec=33-24-9&amp;title=33#" target="_newtab">33-24-9</a> with the responsibility of disapproving policy forms filed under such Code section or withdrawing any approval previously granted by him if he finds that such policies do not meet the requirements of O.C.G.A. Section <a href="https://links.casemakerlegal.com/states/ga/books/Code_of_Georgia/browse?ci=25&amp;id=gasos&amp;codesec=33-24-10&amp;title=33#" target="_newtab">33-24-10</a>. In complying with the provisions of O.C.G.A. Section <a href="https://links.casemakerlegal.com/states/ga/books/Code_of_Georgia/browse?ci=25&amp;id=gasos&amp;codesec=33-24-9&amp;title=33#" target="_newtab">33-24-9</a>, the Commissioner has deemed it appropriate to establish the Life and Accident and Sickness Section to assure that life and accident and sickness insurance policies issued with this State fully comply with the provisions of O.C.G.A. Title 33.</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-1-.05(2)">(2)</a></td> <td valign="top" style="text-align:left" class="leftalign"> A policy form shall be disapproved or any previous approval withdrawn if it: <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-1-.05(2)(a)">(a)</a></td> <td valign="top" style="text-align:left" class="leftalign"> Is in any respect in violation of or does not comply with O.C.G.A. Title 33;</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-1-.05(2)(b)">(b)</a></td> <td valign="top" style="text-align:left" class="leftalign"> Contains or incorporates by reference any inconsistent, ambiguous, or misleading policies, or exceptions and conditions which deceptively affect the risk purportedly assumed in the general coverage of the contract;</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-1-.05(2)(c)">(c)</a></td> <td valign="top" style="text-align:left" class="leftalign"> Has any title, heading, or other indication of its provisions which is misleading;</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-1-.05(2)(d)">(d)</a></td> <td valign="top" style="text-align:left" class="leftalign"> Is printed or otherwise reproduced in such manner as to render any provision of the form substantially illegible or not easily legible to persons of normal vision; or</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-1-.05(2)(e)">(e)</a></td> <td valign="top" style="text-align:left" class="leftalign"> Contains provisions which are unfair or inequitable or contrary to the public policy of this State or would, because such provisions are unclear or deceptively worded, encourage misrepresentation.</td> </tr> </table> </td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-1-.05(3)">(3)</a></td> <td valign="top" style="text-align:left" class="leftalign"> The section shall receive and pass upon all advertising proposed for use by insurance companies writing sickness, accident and hospitalization insurance as required by law or regulation.</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-1-.05(4)">(4)</a></td> <td valign="top" style="text-align:left" class="leftalign"> The Life and Accident and Sickness Section is under the supervision and direction of an assistant director and such section has been delegated responsibility for administering paragraphs (1) through (3) of this Rule. All inquiries, requests, and submissions respecting the matters therein set forth should be directed to: <P>Life and Accident and Sickness Section</P> <P> Office of Commissioner of Insurance</P> <P> 708 West Tower, Floyd Building</P> <P> Two Martin Luther King, Jr., Drive</P> <P> Atlanta, Georgia 30334</P> </td> </tr> </table> <h2><a href="/GAC/120-2-1-.06" name="120-2-1-.06" title="120-2-1-.06">Rule 120-2-1-.06 Property and Casualty Section</a></h2> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-1-.06(1)">(1)</a></td> <td valign="top" style="text-align:left" class="leftalign"> The primary function of the Property and Casualty Section is the review of all property and casualty rate filings and deviation filings to determine whether such filings meet the requirements of O.C.G.A. Chapter 33-9. The section also is responsible for administering applicable statutes providing for the recording and reporting of loss and expense experience.</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-1-.06(2)">(2)</a></td> <td valign="top" style="text-align:left" class="leftalign"> The section reviews all property and casualty policy forms and endorsements.</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-1-.06(3)">(3)</a></td> <td valign="top" style="text-align:left" class="leftalign"> O.C.G.A. Title 33 requires the licensing of all rating organizations and advisory organizations. This function is performed by the section and new and renewal license fees are collected by this section.</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-1-.06(4)">(4)</a></td> <td valign="top" style="text-align:left" class="leftalign"> The section is responsible for the administration of the 'Georgia Automobile Insurance Plan' adopted pursuant to the direction contained in O.C.G.A. Section <a href="https://links.casemakerlegal.com/states/ga/books/Code_of_Georgia/browse?ci=25&amp;id=gasos&amp;codesec=40-9-100&amp;title=40#" target="_newtab">40-9-100</a>.</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-1-.06(5)">(5)</a></td> <td valign="top" style="text-align:left" class="leftalign"> The section shall license all rating organizations. Each applicant for licensing as a rating organization shall submit with its request for a license: <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-1-.06(5)(a)">(a)</a></td> <td valign="top" style="text-align:left" class="leftalign"> A copy of its constitution, its articles of agreement or association or its certificate of incorporation, and of its bylaws, rules and regulations governing the conduct of its business;</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-1-.06(5)(b)">(b)</a></td> <td valign="top" style="text-align:left" class="leftalign"> A list of its members and subscribers;</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-1-.06(5)(c)">(c)</a></td> <td valign="top" style="text-align:left" class="leftalign"> The name and address of a resident of this state upon whom notices or orders of the Commissioner or process affecting such rating organizations may be served;</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-1-.06(5)(d)">(d)</a></td> <td valign="top" style="text-align:left" class="leftalign"> A statement of its qualifications as a rating organization; and</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-1-.06(5)(e)">(e)</a></td> <td valign="top" style="text-align:left" class="leftalign"> A license fee of $100.00 for a license good for one (1) year, with an annual renewal license at a fee of $50.00.</td> </tr> </table> </td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-1-.06(6)">(6)</a></td> <td valign="top" style="text-align:left" class="leftalign"> The section is to license all advisory organizations. Every advisory organization shall file with the Commissioner a copy of its constitution, its articles of agreement or association or its certificate of incorporation and of its bylaws, rules and regulations governing its activities; a list of its members; the name and address of a resident of this State upon whom notices or orders of the Commissioner or process issued at his direction may be served; and an agreement that the Commissioner may examine such advisory organization in accordance with the provisions of O.C.G.A. Section <a href="https://links.casemakerlegal.com/states/ga/books/Code_of_Georgia/browse?ci=25&amp;id=gasos&amp;codesec=33-9-22&amp;title=33#" target="_newtab">33-9-22</a>.</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-1-.06(7)">(7)</a></td> <td valign="top" style="text-align:left" class="leftalign"> The section shall collect fees from rating organizations which shall be licensed for a period of one (1) year with a license fee of $100.00 for such period.</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-1-.06(8)">(8)</a></td> <td valign="top" style="text-align:left" class="leftalign"> All fire and casualty rate filings and deviation filings shall be reviewed. Rates shall not be excessive, inadequate or unfairly discriminatory. Filings may be reviewed by this section for any reason not inconsistent with the provisions of the Georgia Insurance Code which the Commissioner shall deem necessary and appropriate to accomplish the purposes and objectives of such Code, including, without limitation: <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-1-.06(8)(a)">(a)</a></td> <td valign="top" style="text-align:left" class="leftalign"> Whether the rating organization making the filing has made a valid interpretation and use of the data submitted;</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-1-.06(8)(b)">(b)</a></td> <td valign="top" style="text-align:left" class="leftalign"> Whether such rating organization has used acceptable actuarial techniques;</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-1-.06(8)(c)">(c)</a></td> <td valign="top" style="text-align:left" class="leftalign"> Whether the rates are consistent with the coverage provided; and</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-1-.06(8)(d)">(d)</a></td> <td valign="top" style="text-align:left" class="leftalign"> Any other relevant factors.</td> </tr> </table> </td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-1-.06(9)">(9)</a></td> <td valign="top" style="text-align:left" class="leftalign"> All property and casualty policy forms and endorsements shall be reviewed. Policy forms are reviewed by this section to determine that: <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-1-.06(9)(a)">(a)</a></td> <td valign="top" style="text-align:left" class="leftalign"> Coverage is not unduly restrictive;</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-1-.06(9)(b)">(b)</a></td> <td valign="top" style="text-align:left" class="leftalign"> Wording is not ambiguous;</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-1-.06(9)(c)">(c)</a></td> <td valign="top" style="text-align:left" class="leftalign"> The coverage is not contrary to public policy;</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-1-.06(9)(d)">(d)</a></td> <td valign="top" style="text-align:left" class="leftalign"> The coverage bears a relationship to the premium charged; and</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-1-.06(9)(e)">(e)</a></td> <td valign="top" style="text-align:left" class="leftalign"> The contract covers a legitimate insurable interest.</td> </tr> </table> </td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-1-.06(10)">(10)</a></td> <td valign="top" style="text-align:left" class="leftalign"> The section shall receive from statistical agencies and advisory organizations statistical plans reasonably adapted to each of the rating systems on file, which may be modified from time to time and which shall be used thereafter by each insurer in the recording and reporting of its loss and countrywide expense experience, in order that the experience of all insurers may be made available at least annually in such forms and details as may be necessary to aid the section in determining whether rating systems comply with the standards set forth by law for the making of rates.</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-1-.06(11)">(11)</a></td> <td valign="top" style="text-align:left" class="leftalign"> This section shall supervise administration of the 'Georgia Automobile Insurance Plan.' After consultation with insurance companies authorized to issue automobile insurance policies in this State, the section shall recommend to the Commissioner for approval a reasonable plan or plans for the equitable apportionment among such companies of applicants for such policies, and for motor vehicle insurance policies from persons who are in good faith entitled to such policies but are unable to procure such policies through ordinary methods. When any such plan has been approved, all such insurance companies shall subscribe thereto and participate therein. Any applicant for any such policy, any person insured under such plan, and any insurance company affected may appeal to the Commissioner from any ruling or decision of the manager or committee designated to operate such plan. Any person aggrieved hereunder by any order or act of the Commissioner may, within ten (10) days after notice thereof, file a petition in the superior court of the county of his residence for a review thereof.</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-1-.06(12)">(12)</a></td> <td valign="top" style="text-align:left" class="leftalign"> The section is under the supervision and direction of an assistant director and such section has been delegated responsibility for administering paragraphs (1) through (11) of this Rule. All inquiries, requests, and submissions respecting the matters therein set forth should be directed to: <P>Property and Casualty Section</P> <P> Office of Commissioner of Insurance</P> <P> 616 West Tower, Floyd Building</P> <P> Two Martin Luther King, Jr., Drive</P> <P> Atlanta, Georgia 30334</P> </td> </tr> </table> <h2><a href="/GAC/120-2-1-.07" name="120-2-1-.07" title="120-2-1-.07">Rule 120-2-1-.07 Examinations Section</a></h2> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-1-.07(1)">(1)</a></td> <td valign="top" style="text-align:left" class="leftalign"> The Examinations Section is charged with the responsibility of conducting applicable financial, actuarial, rate, market conduct, and other forms of examinations of all persons or entities regulated by the Office of Commissioner of Insurance. The section works in conjunction with the Regulatory Services Section, the Property and Casualty Section, and the Life and Accident and Sickness Section in the performance of its duties.</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-1-.07(2)">(2)</a></td> <td valign="top" style="text-align:left" class="leftalign"> The Examinations Section is supervised by an assistant director who is designated as the chief examiner. All inquiries, requests, and submissions respecting the matters charged to the section should be directed to: <P>Examination Section</P> <P> Office of Commissioner of Insurance</P> <P> 604 West Tower, Floyd Building</P> <P> Two Martin Luther King, Jr., Drive </P> <P>Atlanta, Georgia 30334</P> <P> <P><img class="ImageLink" src="/pdf/ga/admin/2019/120-2-1-07_001.jpg" alt=" image: ga/admin/2019/120-2-1-07_001.jpg"></P> </P> <P> <P><img class="ImageLink" src="/pdf/ga/admin/2019/120-2-1-07_002.jpg" alt=" image: ga/admin/2019/120-2-1-07_002.jpg"></P> </P> </td> </tr> </table> </div> </div> </HTML> </div> <div id="toc" class="sidebar noprint"> <ul id="toc-children" class="children"><li><a href="/GAC/120-2-1-.01" name="120-2-1-.01" title="120-2-1-.01">Rule 120-2-1-.01 The Commissioner of Insurance</a></li><li><a href="/GAC/120-2-1-.02" name="120-2-1-.02" title="120-2-1-.02">Rule 120-2-1-.02 Agents Licensing Section</a></li><li><a href="/GAC/120-2-1-.03" name="120-2-1-.03" title="120-2-1-.03">Rule 120-2-1-.03 Consumer Services Section</a></li><li><a href="/GAC/120-2-1-.04" name="120-2-1-.04" title="120-2-1-.04">Rule 120-2-1-.04 Regulatory Services Section</a></li><li><a href="/GAC/120-2-1-.05" name="120-2-1-.05" title="120-2-1-.05">Rule 120-2-1-.05 Life and Accident and Sickness Section</a></li><li><a href="/GAC/120-2-1-.06" name="120-2-1-.06" title="120-2-1-.06">Rule 120-2-1-.06 Property and Casualty Section</a></li><li><a href="/GAC/120-2-1-.07" name="120-2-1-.07" title="120-2-1-.07">Rule 120-2-1-.07 Examinations Section</a></li></ul> </div> </div> <!--content ends here--> <div id="footer" class="noprint"><span class="footer">Copyright &copy; 2019 Lawriter LLC - All rights reserved.</span>| <a href="mailto:support@casemakerlegal.com?subject=Rules and Regulations of the State of Georgia">Email Us</a> | 844-838-0769 | <a href="http://livechat.casemakerlegal.com/client.php?locale=en" target="_blank" onclick="if(navigator.userAgent.toLowerCase().indexOf('opera') != -1 && window.event.preventDefault)window.event.preventDefault();this.newWindow = window.open('http://livechat.casemakerlegal.com/client.php?locale=en&url='+escape(document.location.href)+'&referrer='+escape(document.referrer), 'webim','toolbar=0,scrollbars=0,location=0,status=1,menubar=0,width=640,height=480,resizable=1');this.newWindow.focus();this.newWindow.opener=window;return false;">Live Chat</a> </div> </div> </body> </html>