Rules and Regulations of the State of Georgia
 

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<xmp>.</xmp> <form name="form1" method="post" action="120-2-42?urlRedirected=yes&amp;data=admin&amp;lookingfor=120-2-42" id="form1"> <input type="hidden" name="__VIEWSTATE" id="__VIEWSTATE" value="/wEPDwUKLTY5ODkwOTM2Nw8WAh4Ec3BhbQIEFgJmD2QWAgIFDw8WAh4EVGV4dAUFMyArIDFkZGRA1wA7ix4Vu/J/QEzvxTv6Ak8P/w==" /> <input type="hidden" name="__VIEWSTATEGENERATOR" id="__VIEWSTATEGENERATOR" value="EEBB6393" /> <input type="hidden" name="__EVENTVALIDATION" id="__EVENTVALIDATION" value="/wEWCALN2/S8CALniKOhBALV5cpNAoa5iIEFAoznisYGAsrv5u0MAsrv4u0MAsrv3u0MLm6wLJ0JvGqxB0+v10BKLxsvQQQ=" /> <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." 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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." 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Sections <a href="https://links.casemakerlegal.com/states/ga/books/Code_of_Georgia/browse?ci=25&amp;id=gasos&amp;codesec=33-2-9&amp;title=33#" target="_newtab">33-2-9</a> and <a href="https://links.casemakerlegal.com/states/ga/books/Code_of_Georgia/browse?ci=25&amp;id=gasos&amp;codesec=33-3-25&amp;title=33#" target="_newtab">33-3-25</a>.</P> <h2><a href="/GAC/120-2-42-.02" name="120-2-42-.02" title="120-2-42-.02">Rule 120-2-42-.02 Purpose</a></h2> <P>The purpose of this Regulation is to establish minimum standards of readability for homeowners insurance policies, tenant homeowners insurance policies, and personal automobile insurance policies.</P> <h2><a href="/GAC/120-2-42-.03" name="120-2-42-.03" title="120-2-42-.03">Rule 120-2-42-.03 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="120-2-42-.03(1)">(1)</a></td> <td valign="top" style="text-align:left" class="leftalign"> "Commissioner" means the Commissioner of Insurance of this State.</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-42-.03(2)">(2)</a></td> <td valign="top" style="text-align:left" class="leftalign"> "Form" means a separately titled or numbered form which forms a part of a policy.</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-42-.03(3)">(3)</a></td> <td valign="top" style="text-align:left" class="leftalign"> "Insurer" means any property or casualty insurer licensed to do business 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="120-2-42-.03(4)">(4)</a></td> <td valign="top" style="text-align:left" class="leftalign"> "Policy" means an insurance contract of homeowners, tenant homeowners, or personal automobile insurance delivered or issued for delivery 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="120-2-42-.03(5)">(5)</a></td> <td valign="top" style="text-align:left" class="leftalign"> "Regulation" shall mean Chapter 120-2-42 of the Rules and Regulations of the Georgia Insurance Department.</td> </tr> </table> <h2><a href="/GAC/120-2-42-.04" name="120-2-42-.04" title="120-2-42-.04">Rule 120-2-42-.04 Standards</a></h2> <P>Policies and forms subject to this Regulation shall meet the following standards:</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="120-2-42-.04(a)">(a)</a></td> <td valign="top" style="text-align:left" class="leftalign"> The policy shall include a table of contents of important 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="120-2-42-.04(b)">(b)</a></td> <td valign="top" style="text-align:left" class="leftalign"> Each section shall be self-contained and independent. However, general provisions applicable to more than one section may be included in a common section.</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-42-.04(c)">(c)</a></td> <td valign="top" style="text-align:left" class="leftalign"> The policy, except for declarations pages, schedules, and tables, shall be printed in not less than ten-point type, one-point leaded.</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="120-2-42-.04(d)">(d)</a></td> <td valign="top" style="text-align:left" class="leftalign"> The policy shall be printed in a legible type-style with adequate contrast between ink and paper. Captions, headings, and spacing shall be used to increase overall legibility.</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="120-2-42-.04(e)">(e)</a></td> <td valign="top" style="text-align:left" class="leftalign"> The policy shall be written in everyday conversational language consistent with its standing as a contract. Short sentences and a personal style shall be used wherever possible.</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="120-2-42-.04(f)">(f)</a></td> <td valign="top" style="text-align:left" class="leftalign"> Technical terms and words with special meaning shall be avoided wherever possible.</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="120-2-42-.04(g)">(g)</a></td> <td valign="top" style="text-align:left" class="leftalign"> The policy text shall achieve a minimum score of forty (40) on the Flesch Reading Ease Test or an equivalent score on any other comparable test or a lower score on either if the Commissioner finds the policy reasonably easy to read. For purposes of this Regulation, a Flesch Reading Ease Test shall be scored by the following methods: <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-42-.04(g)1.">1.</a></td> <td valign="top" style="text-align:left" class="leftalign"> For a policy containing 10,000 words or less of text, the entire policy shall be analyzed. For a policy containing more than 10,000 words, the readability of two 100-word samples per page may be analyzed instead. The samples shall be separated by at least twenty (20) printed lines.</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-42-.04(g)2.">2.</a></td> <td valign="top" style="text-align:left" class="leftalign"> The total number of words in the text or sample shall be divided by the total number of sentences. The figure obtained shall be multiplied by 1.015.</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="120-2-42-.04(g)3.">3.</a></td> <td valign="top" style="text-align:left" class="leftalign"> The total number of syllables in the text or sample shall be divided by the total number of words. The figure obtained shall be multiplied by 84.6.</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="120-2-42-.04(g)4.">4.</a></td> <td valign="top" style="text-align:left" class="leftalign"> The sum of the figures computed under subparagraphs 2. and 3. subtracted from 206.835 equals the Flesch Reading Ease Test score.</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="120-2-42-.04(g)5.">5.</a></td> <td valign="top" style="text-align:left" class="leftalign"> For purposes of this Regulation, the following procedures shall be used: <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-42-.04(g)5.(i)">(i)</a></td> <td valign="top" style="text-align:left" class="leftalign"> A contraction, hyphenated word, number, or letter, when separated by spaces, shall be counted as one word;</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="120-2-42-.04(g)5.(ii)">(ii)</a></td> <td valign="top" style="text-align:left" class="leftalign"> A unit of text ending with a period, semicolon, or colon shall be counted as a sentence;</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="120-2-42-.04(g)5.(iii)">(iii)</a></td> <td valign="top" style="text-align:left" class="leftalign"> A syllable means a unit of spoken language consisting of one or more letters of a word as divided by an accepted dictionary. Where the dictionary shows two or more equally acceptable pronunciations of a word, the pronunciation containing fewer syllables may be used; 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="120-2-42-.04(g)5.(iv)">(iv)</a></td> <td valign="top" style="text-align:left" class="leftalign"> At the option of the insurer, any form made a part of the policy may be scored separately or as part of the policy.</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="120-2-42-.04(g)6.">6.</a></td> <td valign="top" style="text-align:left" class="leftalign"> The term "text" as used in this Regulation includes all printed matter except the name and address of the insurer; the name, number or title of the policy or form; the table of contents or index; headings and captions; and declarations pages, schedules, or tables.</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="120-2-42-.04(g)7.">7.</a></td> <td valign="top" style="text-align:left" class="leftalign"> The Commissioner may authorize a lower score than the Flesch reading score required in subparagraph (g) of Rule <a title="120-2-42-.04" href="120-2-42-.04">120-2-42-.04</a> if such lower score is caused by certain language which is drafted to conform to the requirements of any state or federal law, regulation or agency interpretation.</td> </tr> </table> </td> </tr> </table> <h2><a href="/GAC/120-2-42-.05" name="120-2-42-.05" title="120-2-42-.05">Rule 120-2-42-.05 Applicability</a></h2> <P>This Regulation shall be applicable to all policies delivered or issued for delivery in this State.</P> <h2><a href="/GAC/120-2-42-.06" name="120-2-42-.06" title="120-2-42-.06">Rule 120-2-42-.06 Filings</a></h2> <P>Filings subject to this Regulation shall be accompanied by a certificate signed by an officer of the insurer stating that it meets the minimum reading ease score on the test used or stating that the score is lower than the minimum required but should be approved in accordance with subparagraph (g) of Rule <a title="120-2-42-.04" href="120-2-42-.04">120-2-42-.04</a>. To confirm the accuracy of any certification, the Commissioner may require the submission of further information to verify the certification in question.</P> <h2><a href="/GAC/120-2-42-.07" name="120-2-42-.07" title="120-2-42-.07">Rule 120-2-42-.07 Implementation Dates</a></h2> <P>All new and renewal policies with effective dates on or after July 1, 1988, shall comply with this Regulation. For purposes of this Regulation, continuous policies shall be deemed to be renewed at the six-month anniversary date next following this implementation date.</P> <h2><a href="/GAC/120-2-42-.08" name="120-2-42-.08" title="120-2-42-.08">Rule 120-2-42-.08 Penalties</a></h2> <P>Any insurer, agent, representative, officer, or employee of such insurer, failing to comply with the requirements of this Regulation shall be subject to such penalties as may be appropriate under the insurance laws of this State.</P> <h2><a href="/GAC/120-2-42-.09" name="120-2-42-.09" title="120-2-42-.09">Rule 120-2-42-.09 Severability</a></h2> <P>If any provision of this Regulation or the application thereof to any person or circumstance is held invalid by a court of competent jurisdiction, the remainder of the Regulation or the applicability of such provision to other persons or circumstances shall not be affected.</P> </div> </div> </HTML> </div> <div id="toc" class="sidebar noprint"> <ul id="toc-children" class="children"><li><a href="/GAC/120-2-42-.01" name="120-2-42-.01" title="120-2-42-.01">Rule 120-2-42-.01 Statutory Authority</a></li><li><a href="/GAC/120-2-42-.02" name="120-2-42-.02" title="120-2-42-.02">Rule 120-2-42-.02 Purpose</a></li><li><a href="/GAC/120-2-42-.03" name="120-2-42-.03" title="120-2-42-.03">Rule 120-2-42-.03 Definitions</a></li><li><a href="/GAC/120-2-42-.04" name="120-2-42-.04" title="120-2-42-.04">Rule 120-2-42-.04 Standards</a></li><li><a href="/GAC/120-2-42-.05" name="120-2-42-.05" title="120-2-42-.05">Rule 120-2-42-.05 Applicability</a></li><li><a href="/GAC/120-2-42-.06" name="120-2-42-.06" title="120-2-42-.06">Rule 120-2-42-.06 Filings</a></li><li><a href="/GAC/120-2-42-.07" name="120-2-42-.07" title="120-2-42-.07">Rule 120-2-42-.07 Implementation Dates</a></li><li><a href="/GAC/120-2-42-.08" name="120-2-42-.08" title="120-2-42-.08">Rule 120-2-42-.08 Penalties</a></li><li><a href="/GAC/120-2-42-.09" name="120-2-42-.09" title="120-2-42-.09">Rule 120-2-42-.09 Severability</a></li></ul> </div> </div> <!--content ends here--> <div id="footer" class="noprint"><span class="footer">Copyright &copy; 2019 Lawriter LLC - All rights reserved.</span>| <a href="mailto:support@casemakerlegal.com?subject=Rules and Regulations of the State of Georgia">Email Us</a> | 844-838-0769 | <a href="http://livechat.casemakerlegal.com/client.php?locale=en" target="_blank" onclick="if(navigator.userAgent.toLowerCase().indexOf('opera') != -1 && window.event.preventDefault)window.event.preventDefault();this.newWindow = window.open('http://livechat.casemakerlegal.com/client.php?locale=en&url='+escape(document.location.href)+'&referrer='+escape(document.referrer), 'webim','toolbar=0,scrollbars=0,location=0,status=1,menubar=0,width=640,height=480,resizable=1');this.newWindow.focus();this.newWindow.opener=window;return false;">Live Chat</a> </div> </div> </body> </html>