Rules and Regulations of the State of Georgia
 

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firefox Mozilla Firefox

  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
  4. Toggle the "javascript.enabled" preference (right-click and select "Toggle" or double-click the preference) to change the value from "false" to "true".
  5. Click on the "Reload current page" button of the web browser to refresh the page.
  • 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
  • 4. Toggle the "javascript.enabled" preference (right-click and select "Toggle" or double-click the preference) to change the value from "false" to "true".
  • 5. Click on the "Reload current page" button of the web browser to refresh the page.




ie Internet Explorer

  1. On web browser menu click "Tools" icon and select "Internet Options".
  2. In the "Internet Options" window select the "Security" tab.
  3. On the "Security" tab click on the "Custom level..." button.
  4. When the "Security Settings - Internet Zone" dialog window opens, look for the "Scripting" section.
  5. In the "Active Scripting" item select "Enable".
  6. When the "Warning!" window pops out asking "Are you sure you want to change the settings for this zone?" select "Yes".
  7. In the "Internet Options" window click on the "OK" button to close it.
  8. Click on the "Refresh" button of the web browser to refresh the page.
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 Internet Explorer < 9
  1. On web browser menu click "Tools" and select "Internet Options"
  2. In the "Internet Options" window select the "Security" tab.
  3. On the "Security" tab click on the "Custom level..." button.
  4. When the "Security Settings - Internet Zone" dialog window opens, look for the "Scripting" section.
  5. In the "Active Scripting" item select "Enable".
  6. When the "Warning!" window pops out asking "Are you sure you want to change the settings for this zone?" select "Yes".
  7. In the "Internet Options" window click on the "OK" button to close it.
  8. Click on the "Refresh" button of the web browser to refresh the page.
  • 1. ie 01
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chrome Google Chrome

  1. On the web browser menu click on the "Customize and control Google Chrome" and select "Settings".
  2. In the "Settings" section click on the "Show advanced settings..."
  3. Under the the "Privacy" click on the "Content settings...".
  4. When the dialog window opens, look for the "JavaScript" section and select "Allow all sites to run JavaScript (recommended)".
  5. Click on the "OK" button to close it.
  6. Close the "Settings" tab.
  7. Click on the "Reload this page" button of the web browser to refresh the page.
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opera Opera

  • 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.
1. a) opera10 a 1. b) opera10 b




safari Apple Safari

  1. On the web browser menu click on the "Edit" and select "Preferences".
  2. In the "Preferences" window select the "Security" tab.
  3. In the "Security" tab section "Web content" mark the "Enable JavaScript" checkbox.
  4. Click on the "Reload the current page" button of the web browser to refresh the page.
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<xmp>.</xmp> <form name="form1" method="post" action="120-2-2?urlRedirected=yes&amp;data=admin&amp;lookingfor=120-2-2" id="form1"> <input type="hidden" name="__VIEWSTATE" id="__VIEWSTATE" value="/wEPDwUKLTY5ODkwOTM2Nw8WAh4Ec3BhbQIPFgJmD2QWAgIFDw8WAh4EVGV4dAUFOCArIDdkZGQDlDb5HR6L8Yx8t9Rt97oN8zE92w==" /> <input type="hidden" name="__VIEWSTATEGENERATOR" id="__VIEWSTATEGENERATOR" value="EEBB6393" /> <input type="hidden" name="__EVENTVALIDATION" id="__EVENTVALIDATION" value="/wEWCAK99bK6DwLniKOhBALV5cpNAoa5iIEFAoznisYGAsrv5u0MAsrv4u0MAsrv3u0MNgrr+m3S9lkUTtJVW4DF8E0VyMc=" /> <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">8 + 7</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="15" /> </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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charset=UTF-16"> </HEAD> <div id="infobar"><a href="javascript:;" accesskey="r" Name="Route" title="Route" class="quickkey"><em class="mnemonic">R</em>oute </a>:<div class="searchtips" style="float:right;margin-right:10px;color: rgb(47, 79, 79);"> <a style="text-decoration:none;color: rgb(47, 79, 79);" title="search tips" name="searchtip" href="../help.aspx#searching" target="_blank"><em class="mnemonic">S</em>earch tips</a></div><ul class="breadcrumb"> <li><a href="/GAC" name="GAC" title="GAC">GA R&amp;R</a></li> <li>&raquo; <a href="/GAC/120" title="120">Department 120</a></li> <li>&raquo; <a href="/GAC/120-2" title="120-2">Chapter 120-2</a></li> <li>&raquo; Subject 120-2-2</li> </ul> </div> </div><div id="doc" class="container"> <div id="doc-content" class="content"> <h1><nllsubject>Subject 120-2-2 PRACTICE AND PROCEDURE</nllsubject></h1> <h2><a href="/GAC/120-2-2-.01" name="120-2-2-.01" title="120-2-2-.01">Rule 120-2-2-.01 Definitions</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="120-2-2-.01(1)">(1)</a></td> <td valign="top" style="text-align:left" class="leftalign"> The following words and terms as used in these rules shall have the meaning hereinafter ascribed to them: <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="120-2-2-.01(1)(a)">(a)</a></td> <td valign="top" style="text-align:left" class="leftalign"> "Commissioner" means the Insurance Commissioner of the State of 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="120-2-2-.01(1)(b)">(b)</a></td> <td valign="top" style="text-align:left" class="leftalign"> "Department" means the Insurance Department of the State of 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="120-2-2-.01(1)(c)">(c)</a></td> <td valign="top" style="text-align:left" class="leftalign"> "Hearing Examiner" means the Commissioner or his duly appointed representative, whom he deems qualified by reason of training, experience and competence.</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="120-2-2-.01(1)(d)">(d)</a></td> <td valign="top" style="text-align:left" class="leftalign"> "Hearing" means an assembly of representatives of the Department and persons and parties, at which all parties at interest are afforded an opportunity to present testimony, documentary evidence and argument, as to why the proposed action should or should not be taken.</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="120-2-2-.01(1)(e)">(e)</a></td> <td valign="top" style="text-align:left" class="leftalign"> "Notice of Hearing" means a written statement of the substance of a specific charge alleging violation of any rule or statute to be considered at a hearing to the person or party affected thereby or of the substance of a proposed rule to be considered which will afford actual notice to all interested persons. Unless specifically otherwise provided, such notice shall be served in person or by placing in the mails properly addressed, postage prepaid with return receipt requested (registered). Provided, however, that when the Commissioner certifies for the record that an emergency exists requiring the holding of a hearing upon notice less than twenty (20) days, a hearing may be held upon less than twenty (20) days notice.</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="120-2-2-.01(1)(f)">(f)</a></td> <td valign="top" style="text-align:left" class="leftalign"> "Party" or "Party at interest" means each person or agency named or admitted as a party, or properly seeking and entitled as a right to be admitted as a party.</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="120-2-2-.01(1)(g)">(g)</a></td> <td valign="top" style="text-align:left" class="leftalign"> "Person" means any individual, partnership, corporation and association and may extend and be applied to bodies politic and corporate.</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="120-2-2-.01(1)(h)">(h)</a></td> <td valign="top" style="text-align:left" class="leftalign"> "Rule" means each regulation, standard or statement of general applicability that implements, interprets or prescribes law or policy, or describes the organization, procedure or practice requirements. The term includes the amendment or repeal of a prior 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="120-2-2-.01(1)(i)">(i)</a></td> <td valign="top" style="text-align:left" class="leftalign"> "License" means and includes the whole or part of any Department permit, certificate, approval registration or similar form of permission with reference to any activity of continuing nature as provided for by the Georgia Insurance Code.</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="120-2-2-.01(1)(j)">(j)</a></td> <td valign="top" style="text-align:left" class="leftalign"> "Contested Case" means a proceeding, including but not restricted to rate making, price fixing, and licensing, in which the legal rights, duties, or privileges of a party are required by law to be determined after an opportunity for hearing.</td> </tr> </table> </td> </tr> </table> <h2><a href="/GAC/120-2-2-.02" name="120-2-2-.02" title="120-2-2-.02">Rule 120-2-2-.02 Reserved</a></h2> <h2><a href="/GAC/120-2-2-.03" name="120-2-2-.03" title="120-2-2-.03">Rule 120-2-2-.03 Petitions</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="120-2-2-.03(1)">(1)</a></td> <td valign="top" style="text-align:left" class="leftalign"> All petitions referred to herein shall be: <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="120-2-2-.03(1)(a)">(a)</a></td> <td valign="top" style="text-align:left" class="leftalign"> addressed to the Commissioner;</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="120-2-2-.03(1)(b)">(b)</a></td> <td valign="top" style="text-align:left" class="leftalign"> signed by the petitioner or his counsel; and shall</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="120-2-2-.03(1)(c)">(c)</a></td> <td valign="top" style="text-align:left" class="leftalign"> plainly, fully and distinctly set forth the basis of the petitions, 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="120-2-2-.03(1)(d)">(d)</a></td> <td valign="top" style="text-align:left" class="leftalign"> the action or relief demanded.</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="120-2-2-.03(2)">(2)</a></td> <td valign="top" style="text-align:left" class="leftalign"> The Attorney General shall be served with a copy of all such petitions.</td> </tr> </table> <h2><a href="/GAC/120-2-2-.04" name="120-2-2-.04" title="120-2-2-.04">Rule 120-2-2-.04 Contested Cases; Notice; Hearing; Record</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="120-2-2-.04(1)">(1)</a></td> <td valign="top" style="text-align:left" class="leftalign"> In any contested case, all parties shall be afforded an opportunity for hearing after notice. Unless specifically otherwise provided, notice may be served personally or by mail.</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="120-2-2-.04(2)">(2)</a></td> <td valign="top" style="text-align:left" class="leftalign"> The Commissioner shall give at least twenty (20) days notice of the intended action except where both parties waive in writing this required notice or a different length of notice is provided by these rules and 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="120-2-2-.04(3)">(3)</a></td> <td valign="top" style="text-align:left" class="leftalign"> If the Commissioner finds that the public health, safety or welfare imperatively requires emergency action and incorporates a finding to that effect, notice shall be given and an emergency hearing proceeded with.</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="120-2-2-.04(4)">(4)</a></td> <td valign="top" style="text-align:left" class="leftalign"> The notice of the proposed action may be in the form of a notice to show cause stating that the proposed action may be taken unless such person shows cause at a hearing to be held as specified in the notice, when the proposed action should not be taken. The notice for all hearings shall include: <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="120-2-2-.04(4)(a)">(a)</a></td> <td valign="top" style="text-align:left" class="leftalign"> the time of the hearing;</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="120-2-2-.04(4)(b)">(b)</a></td> <td valign="top" style="text-align:left" class="leftalign"> the place of the hearing, giving street address, floor and designated room, if any;</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="120-2-2-.04(4)(c)">(c)</a></td> <td valign="top" style="text-align:left" class="leftalign"> the purpose of the hearing and where possible, a statement of the individual facts or conduct alleged which warrants the action, in clear and intelligible language so that the parties may be fully appraised thereof and be able to prepare therefor;</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="120-2-2-.04(4)(d)">(d)</a></td> <td valign="top" style="text-align:left" class="leftalign"> a statement of the legal authority and jurisdiction under which the hearing is to be 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="120-2-2-.04(4)(e)">(e)</a></td> <td valign="top" style="text-align:left" class="leftalign"> a reference to the particular section of the statute, rule or regulation 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="120-2-2-.04(4)(f)">(f)</a></td> <td valign="top" style="text-align:left" class="leftalign"> a short and plain statement of the matters or issues asserted;</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="120-2-2-.04(4)(g)">(g)</a></td> <td valign="top" style="text-align:left" class="leftalign"> a statement as to the right of the party to subpoena witnesses and documentary evidence through the Department.</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="120-2-2-.04(5)">(5)</a></td> <td valign="top" style="text-align:left" class="leftalign"> Opportunity shall be afforded the parties to be represented by legal counsel and to respond and present evidence on all the issues 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="120-2-2-.04(6)">(6)</a></td> <td valign="top" style="text-align:left" class="leftalign"> Unless precluded by law, informal disposition may be made by the Commissioner and the affected party by stipulation, agreed settlement, consent order or default. The validity of any hearing held in accordance with the notice thereof shall not be affected by failure of any person to attend such hearing or to remain in attendance.</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="120-2-2-.04(7)">(7)</a></td> <td valign="top" style="text-align:left" class="leftalign"> The Hearing Examiner shall have the authority to do the following: <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="120-2-2-.04(7)(a)">(a)</a></td> <td valign="top" style="text-align:left" class="leftalign"> administer oaths and affirmations;</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="120-2-2-.04(7)(b)">(b)</a></td> <td valign="top" style="text-align:left" class="leftalign"> sign and issue subpoenas;</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="120-2-2-.04(7)(c)">(c)</a></td> <td valign="top" style="text-align:left" class="leftalign"> rule upon offers of proof;</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="120-2-2-.04(7)(d)">(d)</a></td> <td valign="top" style="text-align:left" class="leftalign"> regulate the course of the hearing;</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="120-2-2-.04(7)(e)">(e)</a></td> <td valign="top" style="text-align:left" class="leftalign"> set the time and place for continuances and fix the time for filing briefs;</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="120-2-2-.04(7)(f)">(f)</a></td> <td valign="top" style="text-align:left" class="leftalign"> dispose of motions for dismissal, for lack of Departmental jurisdiction over the subject matter or parties, or for any other ground;</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="120-2-2-.04(7)(g)">(g)</a></td> <td valign="top" style="text-align:left" class="leftalign"> dispose of motions to amend or to intervene;</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="120-2-2-.04(7)(h)">(h)</a></td> <td valign="top" style="text-align:left" class="leftalign"> provide for the taking of testimony by deposition or interrogatory;</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="120-2-2-.04(7)(i)">(i)</a></td> <td valign="top" style="text-align:left" class="leftalign"> reprimand or exclude from the hearing any person for any indecorous or improper conduct committed at or during a hearing. If unable to obtain obedience to his reasonable directions, he may adjourn the hearing.</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="120-2-2-.04(8)">(8)</a></td> <td valign="top" style="text-align:left" class="leftalign"> The hearing shall be held at the place designated by the Commissioner and shall be open to the public. In considering the place for the conduct of the hearing, due regard should be given to the convenience and necessity of the parties and their representatives.</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="120-2-2-.04(9)">(9)</a></td> <td valign="top" style="text-align:left" class="leftalign"> The hearing shall be opened promptly at the time fixed in the "Notice of Hearing". A brief summary of the law involved, the purpose of the hearing and the issues involved will be entered into the record at the inception of the hearing.</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="120-2-2-.04(10)">(10)</a></td> <td valign="top" style="text-align:left" class="leftalign"> In all hearings involving adversary proceedings, the taking of testimony shall be under oath.</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="120-2-2-.04(11)">(11)</a></td> <td valign="top" style="text-align:left" class="leftalign"> The order of proof in the conduct of a hearing should be somewhat flexible. Generally the following procedure will be adhered to: <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="120-2-2-.04(11)(a)">(a)</a></td> <td valign="top" style="text-align:left" class="leftalign"> the person or party asserting the claim or making the charge should examine his witnesses first;</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="120-2-2-.04(11)(b)">(b)</a></td> <td valign="top" style="text-align:left" class="leftalign"> the opposing party and his witnesses should then be heard;</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="120-2-2-.04(11)(c)">(c)</a></td> <td valign="top" style="text-align:left" class="leftalign"> the giving of testimony by each respective party and his witnesses is subject to appropriate cross-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="120-2-2-.04(11)(d)">(d)</a></td> <td valign="top" style="text-align:left" class="leftalign"> the Hearing Examiner may call or recall a witness as the exigencies of a case dictate.</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="120-2-2-.04(12)">(12)</a></td> <td valign="top" style="text-align:left" class="leftalign"> There will be no time requirement for a party to complete his case. The hearing is not considered complete until both sides of the controversy have completed presentation of evidence and argument.</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="120-2-2-.04(13)">(13)</a></td> <td valign="top" style="text-align:left" class="leftalign"> The rules of evidence as applied in the trial of civil non-jury cases in the superior courts of Georgia shall be followed. When necessary to ascertain facts not reasonably susceptible of proof under such rules, evidence not admissible thereunder may be admitted except where precluded by statute if it is of a type commonly relied upon by reasonably prudent men in the conduct of their affairs.</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="120-2-2-.04(14)">(14)</a></td> <td valign="top" style="text-align:left" class="leftalign"> The rules of privilege recognized by law shall be given effect.</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="120-2-2-.04(15)">(15)</a></td> <td valign="top" style="text-align:left" class="leftalign"> Objections to evidentiary offers may be made and shall be noted in the record.</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="120-2-2-.04(16)">(16)</a></td> <td valign="top" style="text-align:left" class="leftalign"> When a hearing will be expedited and the interest of the parties will not be prejudiced substantially, any part of the evidence may be received in written form. Evidence in the form of affidavits shall be admissible into evidence upon a hearing provided: <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="120-2-2-.04(16)(a)">(a)</a></td> <td valign="top" style="text-align:left" class="leftalign"> notice of intention to use affidavit or counter affidavit is given to a respondent, adversary or opposing counsel at least 15 days prior to the date set for hearing;</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="120-2-2-.04(16)(b)">(b)</a></td> <td valign="top" style="text-align:left" class="leftalign"> the notice provided for in (a) above sets forth the name and addresses of all persons from whom affidavits will be taken;</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="120-2-2-.04(16)(c)">(c)</a></td> <td valign="top" style="text-align:left" class="leftalign"> original affidavits from each person testifying by affidavit are filed with the Commissioner and a copy thereof sent to respondent, adversary or opposing counsel not less than 10 days prior to the date set for hearing;</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="120-2-2-.04(16)(d)">(d)</a></td> <td valign="top" style="text-align:left" class="leftalign"> no objection, legally sufficient under any provision of the law, is made to the introduction of such affidavits. Objection that it is a denial of the right to cross-examine shall be sufficient. Objections shall state the name or names of those persons the use of whose affidavits are objected to;</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="120-2-2-.04(16)(e)">(e)</a></td> <td valign="top" style="text-align:left" class="leftalign"> objection to the use of affidavits shall be made at least five days prior to the date set for hearing to provide adequate time for obtaining and serving a subpoena;</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="120-2-2-.04(16)(f)">(f)</a></td> <td valign="top" style="text-align:left" class="leftalign"> the body of such affidavit includes a statement that the affiant is aware of the use that may be made of such affidavit: <P>Example: "Affiant makes this statement for use in a proceeding before the Insurance Commissioner the purpose of which is to determine if John Doe is in violation of the Insurance Code or Rules and Regulations adopted and promulgated thereunder."</P> </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="120-2-2-.04(16)(g)">(g)</a></td> <td valign="top" style="text-align:left" class="leftalign"> such affidavit is legally sufficient as an affidavit. Objections to the form of an affidavit may be made at the hearing;</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="120-2-2-.04(16)(h)">(h)</a></td> <td valign="top" style="text-align:left" class="leftalign"> notice is given that subpoenas may be obtained by applying to the Commissioner and that subpoenas shall be issued without discrimination between public and private parties;</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="120-2-2-.04(16)(i)">(i)</a></td> <td valign="top" style="text-align:left" class="leftalign"> upon not less than five days notice, the witness may be cross-examined by deposition.</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="120-2-2-.04(17)">(17)</a></td> <td valign="top" style="text-align:left" class="leftalign"> A record of the hearing shall be kept and shall include: <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="120-2-2-.04(17)(a)">(a)</a></td> <td valign="top" style="text-align:left" class="leftalign"> all pleadings, motions and intermediate rulings;</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="120-2-2-.04(17)(b)">(b)</a></td> <td valign="top" style="text-align:left" class="leftalign"> a summary of the oral testimony plus all other evidence received or considered except that oral proceedings or any part thereof shall be transcribed or recorded upon request of any party;</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="120-2-2-.04(17)(c)">(c)</a></td> <td valign="top" style="text-align:left" class="leftalign"> a statement of matters officially noticed;</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="120-2-2-.04(17)(d)">(d)</a></td> <td valign="top" style="text-align:left" class="leftalign"> questions and offers of proof and rulings thereon;</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="120-2-2-.04(17)(e)">(e)</a></td> <td valign="top" style="text-align:left" class="leftalign"> proposed findings and exceptions;</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="120-2-2-.04(17)(f)">(f)</a></td> <td valign="top" style="text-align:left" class="leftalign"> any decision, opinion or report by the Hearing Examiner;</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="120-2-2-.04(17)(g)">(g)</a></td> <td valign="top" style="text-align:left" class="leftalign"> all staff memoranda or data submitted to the Hearing Examiner or members of the Department in connection with their consideration of the case.</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="120-2-2-.04(18)">(18)</a></td> <td valign="top" style="text-align:left" class="leftalign"> Findings of fact shall be based exclusively on the evidence and on matters officially noticed. The Commissioner may adjourn any hearing from time to time and from place to place without other notice of the adjourned hearing than announcement thereof at the hearing.</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="120-2-2-.04(19)">(19)</a></td> <td valign="top" style="text-align:left" class="leftalign"> Upon conclusion of the hearing, the Hearing Examiner shall write a reasoned opinion explaining his findings of facts and conclusions of law with his recommendations thereon and furnish each party a copy thereof within fifteen (15) days after concluding such hearing.</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="120-2-2-.04(20)">(20)</a></td> <td valign="top" style="text-align:left" class="leftalign"> The Hearing Examiner, if other than the Commissioner, shall cause the entire record of the case to be certified and sent with his recommendations thereon to the Commissioner for decision.</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="120-2-2-.04(21)">(21)</a></td> <td valign="top" style="text-align:left" class="leftalign"> The Commissioner shall render his final decision within fifteen (15) days. The Commissioner's final decision should be expressed in clear and intelligible language so that all parties will have no doubts as to the outcome of the case or of the action required to be taken thereon.</td> </tr> </table> <h2><a href="/GAC/120-2-2-.05" name="120-2-2-.05" title="120-2-2-.05">Rule 120-2-2-.05 Declaratory Rulings</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="120-2-2-.05(1)">(1)</a></td> <td valign="top" style="text-align:left" class="leftalign"> An interested person may, by petition setting forth all the facts, obtain declaratory rulings by the Commissioner as to the applicability of any rule or order of the Commissioner.</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="120-2-2-.05(2)">(2)</a></td> <td valign="top" style="text-align:left" class="leftalign"> An interested person may, by petition setting forth all the facts, obtain declaratory rulings by the Commissioner as to the applicability of any statutory provisions.</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="120-2-2-.05(3)">(3)</a></td> <td valign="top" style="text-align:left" class="leftalign"> All such petitions requesting declaratory rulings shall set forth actual facts or situations. The Commissioner will make no ruling on untrue or hypothetical 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="120-2-2-.05(4)">(4)</a></td> <td valign="top" style="text-align:left" class="leftalign"> All rulings hereunder shall be contingent upon the truthfulness of the facts set forth in the petition requesting a declaratory ruling.</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="120-2-2-.05(5)">(5)</a></td> <td valign="top" style="text-align:left" class="leftalign"> Within thirty (30) days of the date of filing such petition, the Commissioner will rule thereon, provided, however, the Commissioner may by order extend such thirty (30) day period if he recites in such extension order the reasons therefor.</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="120-2-2-.05(6)">(6)</a></td> <td valign="top" style="text-align:left" class="leftalign"> The date of filing shall be the date received by the Commissioner.</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="120-2-2-.05(7)">(7)</a></td> <td valign="top" style="text-align:left" class="leftalign"> The date of filing shall be prominently affixed to the petition.</td> </tr> </table> <h2><a href="/GAC/120-2-2-.06" name="120-2-2-.06" title="120-2-2-.06">Rule 120-2-2-.06 Intervention</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="120-2-2-.06(1)">(1)</a></td> <td valign="top" style="text-align:left" class="leftalign"> Upon timely application any person shall be permitted to intervene in a contested case: <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="120-2-2-.06(1)(a)">(a)</a></td> <td valign="top" style="text-align:left" class="leftalign"> when a statute confers an unconditional right to intervene; 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="120-2-2-.06(1)(b)">(b)</a></td> <td valign="top" style="text-align:left" class="leftalign"> when the representation of applicant's interest is or may be inadequate.</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="120-2-2-.06(2)">(2)</a></td> <td valign="top" style="text-align:left" class="leftalign"> Upon timely application any person may be permitted to intervene: <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="120-2-2-.06(2)(a)">(a)</a></td> <td valign="top" style="text-align:left" class="leftalign"> when a statute confers a conditional right to intervene; 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="120-2-2-.06(2)(b)">(b)</a></td> <td valign="top" style="text-align:left" class="leftalign"> when the applicant's claim or defense and the main action have a question of law or fact in common.</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="120-2-2-.06(3)">(3)</a></td> <td valign="top" style="text-align:left" class="leftalign"> In exercising his discretion the Hearing Examiner shall consider whether the intervention will unduly delay or prejudice the adjudication of the rights of existing parties.</td> </tr> </table> <h2><a href="/GAC/120-2-2-.07" name="120-2-2-.07" title="120-2-2-.07">Rule 120-2-2-.07 Unfair Trade Practices</a></h2> <P>(Chapter 56-7 Code of Georgia Annotated).</P> <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="120-2-2-.07(1)">(1)</a></td> <td valign="top" style="text-align:left" class="leftalign"> Except to the extent provided for herein, proceedings by the Commissioner for an alleged unfair method of competition or an unfair or deceptive act or practice shall be in conformity with the provisions of Section <a title="120-2-2" href="120-2-2">120-2-2</a>-.04 of these regulations. <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="120-2-2-.07(1)(a)">(a)</a></td> <td valign="top" style="text-align:left" class="leftalign"> a hearing shall be held not less than fifteen (15) days after the date of service of the charges;</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="120-2-2-.07(1)(b)">(b)</a></td> <td valign="top" style="text-align:left" class="leftalign"> at hearing, a person charged with an unfair method of competition or an unfair and deceptive act or practice shall have an opportunity to be heard and to show cause why an order should not be entered requiring him to cease and desist from the acts, methods or practices complained of.</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="120-2-2-.07(2)">(2)</a></td> <td valign="top" style="text-align:left" class="leftalign"> The Hearing Examiner, at such hearing, shall have the power and authority to do the following in addition to the power and authority granted in Section <a title="120-2-2" href="120-2-2">120-2-2</a>-.04 of these regulations: <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="120-2-2-.07(2)(a)">(a)</a></td> <td valign="top" style="text-align:left" class="leftalign"> examine and cross-examine witnesses;</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="120-2-2-.07(2)(b)">(b)</a></td> <td valign="top" style="text-align:left" class="leftalign"> require the production of books, papers, records, correspondence or other documents which he deems relevant.</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="120-2-2-.07(3)">(3)</a></td> <td valign="top" style="text-align:left" class="leftalign"> Charges, Notices, Orders and other processes of the Commissioner hereunder may be served: <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="120-2-2-.07(3)(a)">(a)</a></td> <td valign="top" style="text-align:left" class="leftalign"> in the manner provided by law for the service of process in civil actions;</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="120-2-2-.07(3)(b)">(b)</a></td> <td valign="top" style="text-align:left" class="leftalign"> by registering and mailing a copy to the person affected at his residence or principal office or place of 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="120-2-2-.07(3)(c)">(c)</a></td> <td valign="top" style="text-align:left" class="leftalign"> by anyone duly authorized by the Commissioner.</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="120-2-2-.07(4)">(4)</a></td> <td valign="top" style="text-align:left" class="leftalign"> If after hearing, the Commissioner shall determine that the method of competition is in violation of Chapter 56-7 of the Code of Georgia, he 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="120-2-2-.07(4)(a)">(a)</a></td> <td valign="top" style="text-align:left" class="leftalign"> reduce his findings to writing;</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="120-2-2-.07(4)(b)">(b)</a></td> <td valign="top" style="text-align:left" class="leftalign"> issue and cause to be served an order requiring such person to cease and desist such act or practice.</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="120-2-2-.07(5)">(5)</a></td> <td valign="top" style="text-align:left" class="leftalign"> The Commissioner may at any time, before notice of appeal is served upon him, or after the expiration of the time allowed by law for the serving of such notice, if no such notice has been served, amend or set aside in whole or in part any order issued by him hereunder, whenever, in his opinion: <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="120-2-2-.07(5)(a)">(a)</a></td> <td valign="top" style="text-align:left" class="leftalign"> the facts and circumstances surrounding the case have so changed as to require such action; 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="120-2-2-.07(5)(b)">(b)</a></td> <td valign="top" style="text-align:left" class="leftalign"> if the public interest shall so require.</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="120-2-2-.07(6)">(6)</a></td> <td valign="top" style="text-align:left" class="leftalign"> No change of an order in a manner unfavorable to the person changed, or to the parties at interest, shall be made except after notice and opportunity for hearing as herein provided.</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="120-2-2-.07(7)">(7)</a></td> <td valign="top" style="text-align:left" class="leftalign"> The date of the Commissioner's last order shall be the point of time from which it may be reviewed by appeal.</td> </tr> </table> <h2><a href="/GAC/120-2-2-.08" name="120-2-2-.08" title="120-2-2-.08">Rule 120-2-2-.08 Agents and Counselors. - Life, Accident and Sickness</a></h2> <P>(Chapter 56-8a of the Code of Georgia Annotated).</P> <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="120-2-2-.08(1)">(1)</a></td> <td valign="top" style="text-align:left" class="leftalign"> Before any license shall be suspended or revoked or the renewal thereof refused hereunder the requirements of <a title="120-2-2-.04" href="120-2-2-.04">120-2-2-.04</a> of these regulations shall be met except to the extent provided for herein: <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="120-2-2-.08(1)(a)">(a)</a></td> <td valign="top" style="text-align:left" class="leftalign"> notice shall be sent by registered mail to the applicant for, or holder of such license and the insurer whom he represents or who desires that he be licensed;</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="120-2-2-.08(1)(b)">(b)</a></td> <td valign="top" style="text-align:left" class="leftalign"> in the conduct of such hearing, the Hearing Examiner shall have power to require the production of books, records, or papers relevant to the inquiry upon his own initiative or upon request of the applicant or licensee.</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="120-2-2-.08(2)">(2)</a></td> <td valign="top" style="text-align:left" class="leftalign"> In the conduct of such hearing, the Hearing Examiner shall have inquisitorial powers.</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="120-2-2-.08(3)">(3)</a></td> <td valign="top" style="text-align:left" class="leftalign"> All testimony, documents and other evidence required to be submitted hereunder shall be privileged.</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="120-2-2-.08(4)">(4)</a></td> <td valign="top" style="text-align:left" class="leftalign"> Any applicant whose application for a license has been rejected (except for failure to pass a required written examination) shall, upon request therefor in writing within ten (10) days after notice of such rejection, be entitled to a hearing as provided for in <a title="120-2-2-.04" href="120-2-2-.04">120-2-2-.04</a> herein, and the procedure set forth in <a title="120-2-2-.04" href="120-2-2-.04">120-2-2-.04</a> as modified herein, shall apply.</td> </tr> </table> <h2><a href="/GAC/120-2-2-.09" name="120-2-2-.09" title="120-2-2-.09">Rule 120-2-2-.09 Agents, Solicitors, Brokers, Counselors and Adjusters, Property, Casualty, Surety and Allied Lines</a></h2> <P>(Chapter 56-8b of the Code of Georgia Annotated).</P> <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="120-2-2-.09(1)">(1)</a></td> <td valign="top" style="text-align:left" class="leftalign"> Before any license shall be suspended or revoked, or the renewal thereof refused hereunder, the provisions of <a title="120-2-2-.04" href="120-2-2-.04">120-2-2-.04</a> of these regulations, relating to contested cases, must have been met except to the extent provided for herein: <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="120-2-2-.09(1)(a)">(a)</a></td> <td valign="top" style="text-align:left" class="leftalign"> notice shall be given to the applicant for, or holder of such license and any insurer or agent whom he represents or who desires that he be licensed;</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="120-2-2-.09(1)(b)">(b)</a></td> <td valign="top" style="text-align:left" class="leftalign"> notice to the applicant or licensee shall be deemed to have been perfected if sent by registered mail to the last address of the applicant or licensee that has been filed by such applicant or licensee with the Commissioner;</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="120-2-2-.09(1)(c)">(c)</a></td> <td valign="top" style="text-align:left" class="leftalign"> in the conduct of such hearing, the Hearing Examiner shall have power to examine any person under oath and require the production of books, records, and papers relevant to the inquiry upon his own initiative or upon request of the applicant or licensee.</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="120-2-2-.09(2)">(2)</a></td> <td valign="top" style="text-align:left" class="leftalign"> Any applicant whose application for a license has been rejected (except for failure to pass a required written examination) shall, upon request therefor in writing ten (10) days after notice of such rejection, be entitled to a hearing as provided for in <a title="120-2-2-.04" href="120-2-2-.04">120-2-2-.04</a> herein, and the procedure set forth by said <a title="120-2-2-.04" href="120-2-2-.04">120-2-2-.04</a>, as modified herein, shall apply.</td> </tr> </table> <h2><a href="/GAC/120-2-2-.10" name="120-2-2-.10" title="120-2-2-.10">Rule 120-2-2-.10 Demand for Hearing</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="120-2-2-.10(1)">(1)</a></td> <td valign="top" style="text-align:left" class="leftalign"> Upon written demand for a hearing made by any person aggrieved by: <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="120-2-2-.10(1)(a)">(a)</a></td> <td valign="top" style="text-align:left" class="leftalign"> an act; 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="120-2-2-.10(1)(b)">(b)</a></td> <td valign="top" style="text-align:left" class="leftalign"> a failure to act if such failure is deemed an act under any provision of the Georgia Insurance Code; 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="120-2-2-.10(1)(c)">(c)</a></td> <td valign="top" style="text-align:left" class="leftalign"> by any order of the Department other than an order on a hearing of which such person was given actual notice or at which such person appeared as a party.</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="120-2-2-.10(2)">(2)</a></td> <td valign="top" style="text-align:left" class="leftalign"> Any such demand for a hearing shall specify in what respects such person is aggrieved and the ground to be relied upon as a basis for the relief to be demanded at the hearing, and unless postponed by mutual consent the hearing shall be held within thirty (30) days after receipt by the Department of the demand therefor. The proceeding shall have the status of a contested case.</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="120-2-2-.10(3)">(3)</a></td> <td valign="top" style="text-align:left" class="leftalign"> Pending such hearing and the decision thereon, the Department may suspend or postpone the effective date of its previous 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="120-2-2-.10(4)">(4)</a></td> <td valign="top" style="text-align:left" class="leftalign"> Such hearing shall be held only if the Commissioner shall find that the demand for a hearing is made in good faith, that the applicant would be aggrieved, and that such grounds otherwise justify holding such hearing.</td> </tr> </table> <h2><a href="/GAC/120-2-2-.11" name="120-2-2-.11" title="120-2-2-.11">Rule 120-2-2-.11 Examinations</a></h2> <P>(Chapter 56-2 of the Code of Georgia Annotated). Any hearing with respect to any report of examination shall be considered a contested case and the provisions of <a title="120-2-2-.04" href="120-2-2-.04">120-2-2-.04</a> of these regulations shall apply.</P> <h2><a href="/GAC/120-2-2-.12" name="120-2-2-.12" title="120-2-2-.12">Rule 120-2-2-.12 Licensing</a></h2> <P>When the grant, denial of renewal of any license, not specifically provided for herein, is required by law to be preceded by notice and opportunity for hearing, the provisions of <a title="120-2-2-.04" href="120-2-2-.04">120-2-2-.04</a> of these regulations shall apply.</P> <h2><a href="/GAC/120-2-2-.13" name="120-2-2-.13" title="120-2-2-.13">Rule 120-2-2-.13 Renewal Licenses</a></h2> <h2><a href="/GAC/120-2-2-.14" name="120-2-2-.14" title="120-2-2-.14">Rule 120-2-2-.14 First-Time Applicants</a></h2> <h2><a href="/GAC/120-2-2-.15" name="120-2-2-.15" title="120-2-2-.15">Rule 120-2-2-.15 Continuing Education Requirements</a></h2> <h2><a href="/GAC/120-2-2-.16" name="120-2-2-.16" title="120-2-2-.16">Rule 120-2-2-.16 Advisory Committee; Course and Instructor Approval for Continuing Education Requirements; Certificat</a></h2> <h2><a href="/GAC/120-2-2-.17" name="120-2-2-.17" title="120-2-2-.17">Rule 120-2-2-.17 Vending Machine Licenses (Travel Accident or Baggage Insurance)</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="120-2-2-.17(1)">(1)</a></td> <td valign="top" style="text-align:left" class="leftalign"> A licensed resident agent or broker may solicit applications for and issue policies of personal travel accident or baggage insurance by means of mechanical vending machines if he obtains a vending machine license for each such machine supervised by him. For each vending machine, the agent or broker shall submit a completed form GID-108, entitled "Georgia Insurance Vending Machine License," attached hereto as "Exhibit I",* and incorporated herein.</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="120-2-2-.17(2)">(2)</a></td> <td valign="top" style="text-align:left" class="leftalign"> The applicant shall enter the serial number of the vending machine, the name and address of the insurer, the name and address of the agent, and the place where the machine is to be in operation. <P> <P><img class="ImageLink" src="/pdf/ga/admin/2019/120-2-2-.17_001.jpg" alt=" image: ga/admin/2019/120-2-2-.17_001.jpg"></P> </P> <P> <P><img class="ImageLink" src="/pdf/ga/admin/2019/120-2-2-.17_002.jpg" alt=" image: ga/admin/2019/120-2-2-.17_002.jpg"></P> </P> </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="120-2-2-.17(3)">(3)</a></td> <td valign="top" style="text-align:left" class="leftalign"> Upon receipt of the completed application and the required $5 license fee as provided in Section 56-1301 of the Georgia Insurance Code, the agent will be issued a vending machine license, which must be affixed to the machine in a prominent position.</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="120-2-2-.17(4)">(4)</a></td> <td valign="top" style="text-align:left" class="leftalign"> Application forms GID-108, used for procuring vending machine licenses, may be obtained by submitting a request to the Georgia Insurance Department, Agents Licensing Division, Room 132, State Capitol Building, Atlanta, Georgia.</td> </tr> </table> <h2><a href="/GAC/120-2-2-.18" name="120-2-2-.18" title="120-2-2-.18">Rule 120-2-2-.18 Surplus Lines Brokers Licenses</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="120-2-2-.18(1)">(1)</a></td> <td valign="top" style="text-align:left" class="leftalign"> Any person, while licensed as a resident agent or broker as to Property, Casualty and Surety insurance, and who is deemed by the Commissioner to be competent and trustworthy, may be licensed as a surplus lines broker. The applicant shall submit a completed form GID-109, entitled "Surplus Lines Broker License Application", attached hereto as "Exhibit J", and incorporated herein.</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="120-2-2-.18(2)">(2)</a></td> <td valign="top" style="text-align:left" class="leftalign"> The applicant shall enter his name and license number as it appears on his current license, his business and residence addresses, and the type license he holds (whether agent or broker). He must also certify that he has read and understands the Surplus Lines Insurance Law (Sections 56-613 through 56-628 of the Georgia Insurance Code). Applicant shall date and sign the application and have his signature notarized. Applicant must submit with his application a $20,000 Surplus Lines Brokers Bond form GID-114.</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="120-2-2-.18(3)">(3)</a></td> <td valign="top" style="text-align:left" class="leftalign"> Upon receipt of the completed application, the $20,000 bond and the required $300 license fee as provided in Section 56-618 and 56-1301 of the Georgia Insurance Code, if qualified therefor, the applicant will be issued a Surplus Lines Broker's license.</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="120-2-2-.18(4)">(4)</a></td> <td valign="top" style="text-align:left" class="leftalign"> Application forms GID-109 and bond forms GID-114, used for procuring surplus lines broker's licenses, may be obtained by submitting a request to the Georgia Insurance Department, Agents Licensing Division, Room 132, State Capitol Building, Atlanta, Georgia.</td> </tr> </table> <h2><a href="/GAC/120-2-2-.19" name="120-2-2-.19" title="120-2-2-.19">Rule 120-2-2-.19 Letters of Certification</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="120-2-2-.19(1)">(1)</a></td> <td valign="top" style="text-align:left" class="leftalign"> Upon request, the Commissioner issues letters of certification, indicating the license history or status of anyone who has held or currently holds an insurance license in this State. This information is furnished on form GID-111, attached hereto as "Exhibit K", and incorporated herein. There is no charge for this service. <P> <P><img class="ImageLink" src="/pdf/ga/admin/2019/120-2-2-.19_001.jpg" alt=" image: ga/admin/2019/120-2-2-.19_001.jpg"></P> </P> <P>INSURANCE BROKER'S BOND</P> <P>(Georgia)</P> <P>KNOW ALL MEN BY THESE PRESENTS, that _______________________</P> <P>____________________, whose residence is in ________________</P> <P>(City)</P> <P>____________________, and place of business is in __________</P> <P>(State) (City)</P> <P>____________________, and ______________________, as surety,</P> <P>(State)</P> <P>are held and firmly bound unto James L. Bentley, Comptroller General, Ex-officio Insurance Commissioner of Georgia, and his successors in office in the penal sum of Twenty-five Hundred ($2,500) Dollars, lawful money of the United States of America, for the payment of which well and truly to be made, we bind ourselves and our and each of our heirs, executors, administrators, successors and assigns, jointly and severally, firmly by these presents.</P> <P>THE CONDITIONS OF THIS OBLIGATION ARE SUCH THAT if the above bounden _______________________________________ shall faithfully account to all persons requesting the said</P> <P> ________________________________________ to obtain insurance for them for all monies or premiums collected in connection therewith as provided in Section 56-837b of the Georgia Insurance Code of 1960, then this obligation shall be void, otherwise to remain in full force and effect.</P> <P>IN WITNESS WHEREOF, the said principal has caused these presents to be executed by affixing hereto his or her signature, and the said surety has caused these presents to be executed by the signature of its ________________________</P> <P>(Agent or Attorney-in-fact</P> <P>_______________________ and its corporate seal to be affixed of Surety Company)</P> <P>hereto, attested by its __________________________, this the</P> <P>_____________ day of _______________, 19__.</P> <P>(SEAL)</P> <P>______________________(Seal)</P> <P>(Principal)</P> <P>______________________(Seal)</P> <P>(Surety)</P> <P>(Note Attach to this Bond a By: ________________________</P> <P>properly certified copy of (Title)</P> <P>power of attorney or representative of surety __________________(Seal)</P> <P>company who signs Bond.) (Attorney-in-Fact)</P> <P>____________________________</P> <P>(Licensed Resident Agent)</P> <P><U>PUBLIC ADJUSTER'S S BOND</U></P> <P>(Georgia)</P> <P>KNOW ALL MEN BY THESE PRESENTS, that _______________________</P> <P>_____________________, whose residence is in ______________,</P> <P>Georgia, and place of business is in ______________________,</P> <P>Georgia, as principal, and ______________________________ as surety, are held and firmly bound unto James L. Bentley, Comptroller General, Ex-officio Insurance Commissioner of Georgia, and his successors in office, in the penal sum of Twenty-five Hundred ($2,500) Dollars, lawful money of the United States of America, for the payment of which well and truly to be made, we bind ourselves, and our and each of our heirs, executors, administrators, successors and assigns, jointly and severally, firmly by these presents:</P> <P>THE CONDITIONS OF THIS OBLIGATION ARE SUCH THAT</P> <P>if the above bounden _________________________________ shall faithfully account to any insured whose claim he is handling for all monies or any settlement received in connection therewith as provided in Section 56-845b of the Georgia Insurance Code of 1960, then this obligation shall be void, otherwise to remain in full force and effect.</P> <P>IN WITNESS WHEREOF, the said principal has caused these presents to be executed by affixing hereto his or her signature, and the said surety has caused these presents to be executed by the signature of its</P> <P>_______________________________________________ and its</P> <P>(Agent or Attorney-in-Fact of Surety Company)</P> <P>corporate seal to be affixed hereto, attested by its</P> <P>_____________________ this the _______________ day of</P> <P>___________________________, 19__.</P> <P>____________________(Seal)</P> <P>(SEAL) (Principal)</P> <P>____________________(Seal)</P> <P>(Surety)</P> <P>(Note: Attach to this Bond a By: ________________________</P> <P>properly certified copy of Title:</P> <P>power of attorney of __________________(Seal)</P> <P>representative of surety Attorney-in-Fact company who signs Bond.) ________________________</P> <P>Licensed Resident Agent.</P> <P><U>SURPLUS LINES BROKER'S BOND</U></P> <P>STATE OF GEORGIA</P> <P>COUNTY OF ____________________</P> <P>KNOW ALL MEN BY THESE PRESENTS:</P> <P>That _________________________________________________,</P> <P>whose residence or place of business is in the City of ___________________________, State of Georgia, as Principal, and ___________________________________________ as Surety, a corporation duly authorized to write surety bonds in this State, are held and firmly bound unto JAMES L. BENTLEY, Comptroller General, Ex-officio Insurance Commissioner of the State of Georgia, and his successors in office in the penal sum of Twenty Thousand Dollars ($20,000.00) lawful money of the United States of America, for the payment of which well and truly to be made, we bind ourselves, and our and each of our heirs, executors, administrators, successors and assigns jointly and severally, firmly by these presents:</P> <P>The Conditions of the above obligation are such that:</P> <P>WHEREAS, the above bounden Principal pursuant to the provisions of the Georgia Insurance Code of 1960 (Sections 56-613 through 56-628), as amended, is about to apply or has applied to the Insurance Commissioner of the State of Georgia for a license to place surplus lines of insurance in companies or with insurers not admitted to do business in this State;</P> <P>NOW, THEREFORE, if the said above bounden Principal shall fully and faithfully comply with the requirements of the said Georgia Insurance Code of 1960, as amended, and shall file with the Insurance Commissioner of Georgia on or before April 15th of each year and quarterly thereafter, a sworn statement of the gross premiums charged for insurance placed, and the gross premiums returned on such insurance cancelled under such license during the preceding quarter, and at the time of filing such statement shall pay to the insurance Commissioner of the State of Georgia a sum equal to four percentum of such gross premiums, less return premiums, so reported; and shall faithfully account to all persons requesting him to obtain insurance for them for monies or premiums collected is connection therewith; and will in all other respects fully comply with the provision of the said Georgia Insurance Code of 1960, as amended; then this obligation is to be void; otherwise to remain in full force and effect.</P> <P>IN WITNESS WHEREOF, the said principal has caused these presents to be executed by affixing hereto his or her signature, and the said surety has caused these presents to be executed by the signature of its _______________________________________________ and its (Agent or Attorney-in-Fact of Surety Company) corporate seal to be affixed hereto, attested by its</P> <P>________________, this the ______ day of ____________, 19__.</P> <P>(SEAL)</P> <P>____________________________(Seal)</P> <P>(Principal)</P> <P>____________________________(Seal)</P> <P>(Surety)</P> <P>(NOTE: Attach a certified By: ______________________________ copy of Power of Attorney As _____________________ of Surety of Representative of (Title) Surety Company who signs Attest:___________________________ bonds). (If required by power of attorney)</P> <P>As _____________________ of Surety</P> <P>(Title)</P> <P>__________________________________</P> <P>(Licensed Resident Agent)</P> </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="120-2-2-.19(2)">(2)</a></td> <td valign="top" style="text-align:left" class="leftalign"> Letters of certification may be obtained by submitting a request to the Georgia Insurance Department, Agents Licensing Division, Room 132, State Capitol Building, Atlanta, Georgia.</td> </tr> </table> <h2><a href="/GAC/120-2-2-.20" name="120-2-2-.20" title="120-2-2-.20">Rule 120-2-2-.20 Bonds</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="120-2-2-.20(1)">(1)</a></td> <td valign="top" style="text-align:left" class="leftalign"> Kinds of Bonds Required: <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="120-2-2-.20(1)(a)">(a)</a></td> <td valign="top" style="text-align:left" class="leftalign"> To secure a broker's license, whether resident or nonresident, along with the application, a bond must be submitted on form GID-112, entitled "Insurance Broker's Bond", attached hereto as "Exhibit L", and incorporated herein;</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="120-2-2-.20(1)(b)">(b)</a></td> <td valign="top" style="text-align:left" class="leftalign"> To secure a public adjuster's license, along with the application a bond must be submitted on Form GID-113, entitled, "Public Adjuster's Bond", attached hereto as "Exhibit M", and incorporated herein;</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="120-2-2-.20(1)(c)">(c)</a></td> <td valign="top" style="text-align:left" class="leftalign"> To secure a surplus lines broker's license, along with the application, a bond must be submitted on form GID-114, entitled "Surplus Lines Broker's Bond", attached hereto as "Exhibit N", and incorporated herein.</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="120-2-2-.20(2)">(2)</a></td> <td valign="top" style="text-align:left" class="leftalign"> Completing the Bond Forms: <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="120-2-2-.20(2)(a)">(a)</a></td> <td valign="top" style="text-align:left" class="leftalign"> Bond forms must be completed by inserting information in the spaces provided and must be signed by the principal, by an official or attorney-in-fact of a corporate surety authorized to do business in this State, and by a licensed resident agent of such corporate surety. Attached to the bond must be a properly certified copy of power of attorney of representative of surety company who signs bonds.</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="120-2-2-.20(3)">(3)</a></td> <td valign="top" style="text-align:left" class="leftalign"> Bond forms GID-112, GID-113, and GID-114 may be obtained by submitting a request to the Georgia Insurance Department, Agents Licensing Division, Room 132, State Capitol Building, Atlanta, Georgia.</td> </tr> </table> <h2><a href="/GAC/120-2-2-.21" name="120-2-2-.21" title="120-2-2-.21">Rule 120-2-2-.21 Approval of Formal Classroom Training Courses</a></h2> <P>Complying with the pertinent regulations, an insurer may seek approval of a training course by submitting a complete outline of the subjects to be taught each hour, the instructor for each subject, using a minimum of forty (40) hours of actual classroom instructions, a resume of each instructor showing his background of training and experience, a statement describing the classroom facilities, physical equipment and instructional material to be used. The insurer is notified of approval, or upon disapproval, such notification shall indicate wherein the submitted material does not comply with the pertinent regulations.</P> <h2><a href="/GAC/120-2-2-.22" name="120-2-2-.22" title="120-2-2-.22">Rule 120-2-2-.22 Study Manuals and Materials</a></h2> <h2><a href="/GAC/120-2-2-.23" name="120-2-2-.23" title="120-2-2-.23">Rule 120-2-2-.23 Procedures-Claims and Investigation Division</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="120-2-2-.23(1)">(1)</a></td> <td valign="top" style="text-align:left" class="leftalign"> Action by this Division is instigated by either a written complaint or a personal visit to the office by a complainant.</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="120-2-2-.23(2)">(2)</a></td> <td valign="top" style="text-align:left" class="leftalign"> A record is made of the complaint. Such record contains the name of the complainant, the person or party against whom the complaint is made and a statement of the nature of the complaint.</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="120-2-2-.23(3)">(3)</a></td> <td valign="top" style="text-align:left" class="leftalign"> The complaint is then assigned to the investigator best qualified to make the particular investigation.</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="120-2-2-.23(4)">(4)</a></td> <td valign="top" style="text-align:left" class="leftalign"> The investigator obtains through investigation all available data necessary to properly evaluate the claim. The investigator will obtain copies of the statement of the claim made by the claimant; all available medical data; and the policy will be thoroughly evaluated to determine if a legitimate claim has been denied.</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="120-2-2-.23(5)">(5)</a></td> <td valign="top" style="text-align:left" class="leftalign"> The Division reviews 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="120-2-2-.23(6)">(6)</a></td> <td valign="top" style="text-align:left" class="leftalign"> 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 the Department will follow 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="120-2-2-.23(7)">(7)</a></td> <td valign="top" style="text-align:left" class="leftalign"> Investigation is made regardless of amount and the policyholder is informed as to the Division's view and if the claim is 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="120-2-2-.23(8)">(8)</a></td> <td valign="top" style="text-align:left" class="leftalign"> The Division will not actively participate in third party claims unless it is obvious on the face of the complaint that either party is acting in bad faith.</td> </tr> </table> <h2><a href="/GAC/120-2-2-.24" name="120-2-2-.24" title="120-2-2-.24">Rule 120-2-2-.24 Procedures-Policy Forms Division</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="120-2-2-.24(1)">(1)</a></td> <td valign="top" style="text-align:left" class="leftalign"> Filing Policies: <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="120-2-2-.24(1)(a)">(a)</a></td> <td valign="top" style="text-align:left" class="leftalign"> All domestic foreign and alien life and accident and sickness insurers doing business within the State of Georgia shall file a single copy of each policy form used by such insurers with duplicate letters of transmittal;</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="120-2-2-.24(1)(b)">(b)</a></td> <td valign="top" style="text-align:left" class="leftalign"> Policies filed with this division will be evaluated for the purposes of determining if the policy meets the minimum requirements of law; determining if the policy is actuarially sound; determining that policies are not detrimental to the public interest; and determining if construction of the policy renders terms or language conflicting or 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="120-2-2-.24(1)(c)">(c)</a></td> <td valign="top" style="text-align:left" class="leftalign"> After thorough evaluation a policy is either approved or denied, however, approval may consist of outright approval or conditional approval or additional information may be required prior to any action by this Division. A policy may be deemed approved by operation of law if not acted upon within 30 days after filing; an extension of 30 days may be granted by the Commissioner. Policy form approval once granted may be withdrawn after notice and cause shown.</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="120-2-2-.24(2)">(2)</a></td> <td valign="top" style="text-align:left" class="leftalign"> Advertising, Sickness, Accident and Hospitalization Insurers: <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="120-2-2-.24(2)(a)">(a)</a></td> <td valign="top" style="text-align:left" class="leftalign"> All insurance companies doing business in the State of Georgia and writing accident and sickness or hospitalization insurance shall file with the office of the Insurance Commissioner any and all advertising of every kind and description which is intended to be issued, circulated, distributed, published or used in any manner in the sale of accident and sickness or hospitalization insurance in 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="120-2-2-.24(2)(b)">(b)</a></td> <td valign="top" style="text-align:left" class="leftalign"> When forwarding advertising material to this Division for approval, write on each advertisement the form number of the policy or endorsement, or both which provide the benefits so advertised; send or designate one copy of each policy form or endorsement which contain said benefits so advertised; furnish any additional information that will enable this Division to identify the policy to which advertisement relates;</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="120-2-2-.24(2)(c)">(c)</a></td> <td valign="top" style="text-align:left" class="leftalign"> Advertising shall truthfully and clearly represent the benefits provided by the policy and shall be designed to avoid drawing of untrue and misleading conclusions therefrom. Advertising should not have the capacity or the tendency to mislead those to whom the appeal is made;</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="120-2-2-.24(2)(d)">(d)</a></td> <td valign="top" style="text-align:left" class="leftalign"> Any company filing such advertising shall attach therewith a certification over the signature of an official or authorized representative of the company stating that to their best knowledge and belief the advertising so submitted meets the requirements of Georgia's ethical standards of advertising. On such filing the Commissioner will accept same subject to his subsequent review and action should said advertising be found to be misleading to the general public and fail to meet such ethical standards as provided by law and rules and regulations of the Commissioner;</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="120-2-2-.24(2)(e)">(e)</a></td> <td valign="top" style="text-align:left" class="leftalign"> In the absence of certification that the advertising material meets such ethical standards, prior approval of such advertising material shall be obtained from the Policy Forms Division of the Department of Insurance, State of Georgia.</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="120-2-2-.24(3)">(3)</a></td> <td valign="top" style="text-align:left" class="leftalign"> Regulation of non-profit hospital and non-profit medical service corporations: <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="120-2-2-.24(3)(a)">(a)</a></td> <td valign="top" style="text-align:left" class="leftalign"> Plans of operation. Plans of operation shall be submitted at any time, any phase of the operation changes, i.e., change rates, change policy forms, change area of operation or contract with new hospitals or change or terminate contract with an old hospital. Plans of operation shall be submitted to the Policy Forms Division in duplicate, approval or disapproval shall be stamped upon the face of the duplicate plan and returned to the submitting corporation, however, approval may consist of outright approval or conditional approval or additional information may be required to be submitted prior to action thereon. Plans of operation shall include, but not be limited to, the coverage provided by the membership certificates, services to be rendered by the associations, fees to be charged for the services, the general course and method of transacting business, the area of operation of such association and the schedule of charges payable under authority of contracts with participating hospitals or doctors;</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="120-2-2-.24(3)(b)">(b)</a></td> <td valign="top" style="text-align:left" class="leftalign"> Membership certificates and contracts between associations and hospitals. Each non-profit hospital service corporation and non-profit medical service corporation shall submit one copy of each membership certificate proposed for use by such corporation with duplicate letters of transmittal to the Policy Forms Division. After thorough evaluation, a membership certificate will be either approved or denied, however, approval may consist of outright approval or conditional approval or additional information may be required to be submitted prior to action thereon. Approval or disapproval shall be stamped upon the face of a duplicate letter of transmittal and returned to the submitting corporation. All contracts between associations and hospitals or doctors shall be submitted to the Policy Forms Division in duplicate. The Division's action thereon shall be stamped upon the face of the duplicate contract and returned to the submitting corporation. Approval may consist of outright approval or conditional approval or additional information may be required to be submitted prior to action thereon;</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="120-2-2-.24(3)(c)">(c)</a></td> <td valign="top" style="text-align:left" class="leftalign"> Fees charged for membership certificates. Each hospital service corporation and medical service corporation shall submit all pertinent supporting data and duplicate fee schedules to the Policy Forms Division and approval or disapproval shall be stamped on the face of a duplicate fee schedule and returned to the submitting corporation indicating the Division's action thereon. Approval may consist of outright approval or conditional approval or additional information may be required to be submitted prior to action thereon by this Division.</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="120-2-2-.24(3)(d)">(d)</a></td> <td valign="top" style="text-align:left" class="leftalign"> Annual Statements. Annual Statements shall be submitted annually on or before March 1, verified by at least two of the principal officers of said corporation, showing its financial condition on December 31, the next preceding; which statement shall be on form GID-25F;</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="120-2-2-.24(3)(e)">(e)</a></td> <td valign="top" style="text-align:left" class="leftalign"> Annual Budgets. Annual budgets are examined by this Division to assure that projected income, claims expense and operating expense are in proper proportion.</td> </tr> </table> </td> </tr> </table> <h2><a href="/GAC/120-2-2-.25" name="120-2-2-.25" title="120-2-2-.25">Rule 120-2-2-.25 Trade Secret Assertions</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="120-2-2-.25(a)">(a)</a></td> <td valign="top" style="text-align:left" class="leftalign"> Any entity that is required by law, regulation, bid or request for proposal to submit to an agency records that it wishes to be confidential under 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=50-18-72&amp;title=50#50-18-72(a)(34)" target="_newtab">50-18-72(a)(34)</a>, shall attach to the records an affidavit that includes the following: <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="120-2-2-.25(a)(1)">(1)</a></td> <td valign="top" style="text-align:left" class="leftalign"> An affirmative declaration that specific information in the records constitutes trade secrets pursuant to Article 27 of Chapter 1 of Title 10;</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="120-2-2-.25(a)(2)">(2)</a></td> <td valign="top" style="text-align:left" class="leftalign"> An identification of the specific information by page number, document, exhibit or other identifying characteristic;</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="120-2-2-.25(a)(3)">(3)</a></td> <td valign="top" style="text-align:left" class="leftalign"> An affirmative declaration that the entity does not wish the information to be made public;</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="120-2-2-.25(a)(4)">(4)</a></td> <td valign="top" style="text-align:left" class="leftalign"> An affirmative declaration that the information is not commonly known by or available to the public;</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="120-2-2-.25(a)(5)">(5)</a></td> <td valign="top" style="text-align:left" class="leftalign"> An affirmative declaration that the entity derives economic value, actual or potential, from the information not being generally known to, and not being readily ascertainable by proper means by, other persons who can obtain economic value from its disclosure or use; 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="120-2-2-.25(a)(6)">(6)</a></td> <td valign="top" style="text-align:left" class="leftalign"> An affirmative declaration that the information is the subject of reasonable efforts under the circumstances to maintain its secrecy.</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="120-2-2-.25(b)">(b)</a></td> <td valign="top" style="text-align:left" class="leftalign"> The affidavit must be submitted at the same time that the records are 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="120-2-2-.25(c)">(c)</a></td> <td valign="top" style="text-align:left" class="leftalign"> Nothing in this rule affects any other protections under the law that may be applicable to records submitted to the Department.</td> </tr> </table> <h2><a href="/GAC/120-2-2-.26" name="120-2-2-.26" title="120-2-2-.26">Rule 120-2-2-.26 Rating Division Regulations</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="120-2-2-.26(1)">(1)</a></td> <td valign="top" style="text-align:left" class="leftalign"> Purpose of Rate Regulation Statutes</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="120-2-2-.26(2)">(2)</a></td> <td valign="top" style="text-align:left" class="leftalign"> Filing of Rates, Rating Plans, Rating Systems, Underwriting Rules, Policy and Bond Forms</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="120-2-2-.26(3)">(3)</a></td> <td valign="top" style="text-align:left" class="leftalign"> Insurer's Membership in Rating Organizations</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="120-2-2-.26(4)">(4)</a></td> <td valign="top" style="text-align:left" class="leftalign"> Prior Approval of Policy and Bond Forms</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="120-2-2-.26(5)">(5)</a></td> <td valign="top" style="text-align:left" class="leftalign"> Changes in Rates, Rating Plans, Rating Systems and Underwriting Rules</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="120-2-2-.26(6)">(6)</a></td> <td valign="top" style="text-align:left" class="leftalign"> Rules for Submitting Property, Marine and Transportation, and Casualty (Excluding Accident and Sickness) Policies and Forms.</td> </tr> </table> <h2><a href="/GAC/120-2-2-.27" name="120-2-2-.27" title="120-2-2-.27">Rule 120-2-2-.27 Examinations Under Open Competition Rating Law</a></h2> </div> </div> </HTML> </div> <div id="toc" class="sidebar noprint"> <ul id="toc-children" class="children"><li><a href="/GAC/120-2-2-.01" name="120-2-2-.01" title="120-2-2-.01">Rule 120-2-2-.01 Definitions</a></li><li><a href="/GAC/120-2-2-.02" name="120-2-2-.02" title="120-2-2-.02">Rule 120-2-2-.02 Reserved</a></li><li><a href="/GAC/120-2-2-.03" name="120-2-2-.03" title="120-2-2-.03">Rule 120-2-2-.03 Petitions</a></li><li><a href="/GAC/120-2-2-.04" name="120-2-2-.04" title="120-2-2-.04">Rule 120-2-2-.04 Contested Cases; Notice; Hearing; Record</a></li><li><a href="/GAC/120-2-2-.05" name="120-2-2-.05" title="120-2-2-.05">Rule 120-2-2-.05 Declaratory Rulings</a></li><li><a href="/GAC/120-2-2-.06" name="120-2-2-.06" title="120-2-2-.06">Rule 120-2-2-.06 Intervention</a></li><li><a href="/GAC/120-2-2-.07" name="120-2-2-.07" title="120-2-2-.07">Rule 120-2-2-.07 Unfair Trade Practices</a></li><li><a href="/GAC/120-2-2-.08" name="120-2-2-.08" title="120-2-2-.08">Rule 120-2-2-.08 Agents and Counselors. - Life, Accident and Sickness</a></li><li><a href="/GAC/120-2-2-.09" name="120-2-2-.09" title="120-2-2-.09">Rule 120-2-2-.09 Agents, Solicitors, Brokers, Counselors and Adjusters, Property, Casualty, Surety and Allied Lines</a></li><li><a href="/GAC/120-2-2-.10" name="120-2-2-.10" title="120-2-2-.10">Rule 120-2-2-.10 Demand for Hearing</a></li><li><a href="/GAC/120-2-2-.11" name="120-2-2-.11" title="120-2-2-.11">Rule 120-2-2-.11 Examinations</a></li><li><a href="/GAC/120-2-2-.12" name="120-2-2-.12" title="120-2-2-.12">Rule 120-2-2-.12 Licensing</a></li><li><a href="/GAC/120-2-2-.13" name="120-2-2-.13" title="120-2-2-.13">Rule 120-2-2-.13 Renewal Licenses</a></li><li><a href="/GAC/120-2-2-.14" name="120-2-2-.14" title="120-2-2-.14">Rule 120-2-2-.14 First-Time Applicants</a></li><li><a href="/GAC/120-2-2-.15" name="120-2-2-.15" title="120-2-2-.15">Rule 120-2-2-.15 Continuing Education Requirements</a></li><li><a href="/GAC/120-2-2-.16" name="120-2-2-.16" title="120-2-2-.16">Rule 120-2-2-.16 Advisory Committee; Course and Instructor Approval for Continuing Education Requirements; Certificat</a></li><li><a href="/GAC/120-2-2-.17" name="120-2-2-.17" title="120-2-2-.17">Rule 120-2-2-.17 Vending Machine Licenses (Travel Accident or Baggage Insurance)</a></li><li><a href="/GAC/120-2-2-.18" name="120-2-2-.18" title="120-2-2-.18">Rule 120-2-2-.18 Surplus Lines Brokers Licenses</a></li><li><a href="/GAC/120-2-2-.19" name="120-2-2-.19" title="120-2-2-.19">Rule 120-2-2-.19 Letters of Certification</a></li><li><a href="/GAC/120-2-2-.20" name="120-2-2-.20" title="120-2-2-.20">Rule 120-2-2-.20 Bonds</a></li><li><a href="/GAC/120-2-2-.21" name="120-2-2-.21" title="120-2-2-.21">Rule 120-2-2-.21 Approval of Formal Classroom Training Courses</a></li><li><a href="/GAC/120-2-2-.22" name="120-2-2-.22" title="120-2-2-.22">Rule 120-2-2-.22 Study Manuals and Materials</a></li><li><a href="/GAC/120-2-2-.23" name="120-2-2-.23" title="120-2-2-.23">Rule 120-2-2-.23 Procedures-Claims and Investigation Division</a></li><li><a href="/GAC/120-2-2-.24" name="120-2-2-.24" title="120-2-2-.24">Rule 120-2-2-.24 Procedures-Policy Forms Division</a></li><li><a href="/GAC/120-2-2-.25" name="120-2-2-.25" title="120-2-2-.25">Rule 120-2-2-.25 Trade Secret Assertions</a></li><li><a href="/GAC/120-2-2-.26" name="120-2-2-.26" title="120-2-2-.26">Rule 120-2-2-.26 Rating Division Regulations</a></li><li><a href="/GAC/120-2-2-.27" name="120-2-2-.27" title="120-2-2-.27">Rule 120-2-2-.27 Examinations Under Open Competition Rating Law</a></li></ul> </div> </div> <!--content ends here--> <div id="footer" class="noprint"><span class="footer">Copyright &copy; 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