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27-14-17
Section 27-14-17 Construction of policies. (a) Every insurance contract shall be construed
according to the entirety of its terms and conditions as set forth in the policy and as amplified,
extended, or modified by any rider, endorsement, or application which is a part of the policy.
(b) A clause in any policy of life insurance, including burial insurance, providing that such
policy shall be incontestible after a specified period shall preclude only a contest of the
validity of the policy and shall not preclude the assertion at any time of defenses based
upon provisions in the policy which exclude or restrict coverage, whether or not such restrictions
or exclusions are excepted in such clause. (Acts 1971, No. 407, p. 707, §330.)...
alisondb.legislature.state.al.us/alison/CodeOfAlabama/1975/27-14-17.htm - 1K - Match Info - Similar pages
27-22A-1
Section 27-22A-1 Definitions. For purposes of this chapter, the following terms have the following
meanings: (1) COMMISSIONER. The Alabama Commissioner of Insurance. (2) CUSTOMER. A person
who purchases portable electronics or services. (3) DEPARTMENT. The Alabama Department of
Insurance. (4) ENROLLED CUSTOMER. A customer who elects coverage under a portable electronics
insurance policy issued to a vendor of portable electronics. (5) LOCATION. Any physical location
in the State of Alabama or any website, call center site, or similar location directed to
residents of the State of Alabama. (6) PORTABLE ELECTRONICS. Electronic devices that are portable
in nature, their accessories and services related to the use of the device. (7) PORTABLE ELECTRONICS
INSURANCE. a. Insurance providing coverage for the repair or replacement of portable electronics
which may provide coverage for portable electronics against any one or more of the following
causes of loss: Loss, theft, inoperability due to...
alisondb.legislature.state.al.us/alison/CodeOfAlabama/1975/27-22A-1.htm - 2K - Match Info - Similar pages
27-22A-2
Section 27-22A-2 Licensure of vendors. (a) A vendor is required to hold a limited lines insurance
producer license to sell or offer coverage under a policy of portable electronics insurance.
(b) A limited lines insurance producer license issued in accordance with this chapter shall
authorize any employee or authorized representative of the vendor to sell or offer coverage
under a policy of portable electronics insurance to a customer at each location at which the
vendor engages in portable electronics transactions. (c) The supervising entity shall maintain
a registry of vendor locations which are authorized to sell or solicit portable electronics
insurance coverage in this state. Upon request by the commissioner and with 10 days' notice
to the supervising entity, the registry shall be open to inspection and examination by the
commissioner during regular business hours of the supervising entity. (d) Notwithstanding
any other provision of law, a license issued in accordance with this...
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27-55-8
Section 27-55-8 Construction. This chapter does not and shall not be construed as creating
a private cause of action and does not and shall not require insurers, including any health
benefit plan, to extend coverage to any providers or type of providers for which coverage
is not specifically provided within the policy or certificate of insurance or health benefit
plan, or to add additional providers to existing networks, or to add any health care benefits.
(Act 2000-595, p. 1185, §8.)...
alisondb.legislature.state.al.us/alison/CodeOfAlabama/1975/27-55-8.htm - 795 bytes - Match Info - Similar pages
32-7A-6
Section 32-7A-6 Evidence of insurance; insurance card. (a) Every operator of a motor vehicle
subject to the provisions of Section 32-7A-4 shall carry within the vehicle evidence of insurance.
The evidence shall be legible and sufficient to demonstrate that the motor vehicle currently
is covered by an Alabama liability insurance policy or an Alabama commercial automobile liability
insurance policy as required under Section 32-7A-4 and may include, but is not limited to,
the following: (1) An insurance card, or temporary insurance card, provided by the insurer
or an authorized representative under this section. (2) The combination of proof of purchase
of the motor vehicle within the previous 20 calendar days and a current and valid insurance
card issued for the motor vehicle replaced by such purchase. (3) The current declarations
page of an Alabama liability insurance policy. (4) An Alabama liability insurance binder,
or legible copy thereof, Alabama certificate of liability insurance,...
alisondb.legislature.state.al.us/alison/CodeOfAlabama/1975/32-7A-6.htm - 6K - Match Info - Similar pages
27-22-41
Section 27-22-41 Applicability; definitions. (a) This article shall apply to all insurance
companies authorized under a certificate of authority for property insurance and writing homeowners
and other personal lines residential property insurance policies in the State of Alabama.
(b) For purposes of this article, the term "personal lines residential property insurance"
shall include condominium insurance, dwelling fire policies that provide dwelling or contents
coverage, renters/tenants insurance, and mobile home or manufactured home insurance. Creditor
placed property insurance and condominium association or homeowner association property insurance
is excluded from this article. (Act 2012-510, p. 1521, §2.)...
alisondb.legislature.state.al.us/alison/CodeOfAlabama/1975/27-22-41.htm - 1K - Match Info - Similar pages
27-31C-3
Section 27-31C-3 License to provide homeowners insurance; exemptions; powers and duties. (a)
An Alabama Coastal Captive Insurance Company, if permitted by its articles of incorporation
or organization, operating agreements, or charter, may apply to the commissioner for a license
to write homeowners insurance coverage as limited in Section 27-31B-3(a)(4) and as defined
and limited in the standard real property and contents insurance forms as approved by the
commissioner. (b) An Alabama Coastal Captive Insurance Company that qualified as an association
captive under the provisions of Section 27-31B-8 is exempt from the requirement that the association
be in existence for one year so long as the association is in good standing as an entity before
becoming an owner of an Alabama Coastal Captive Insurance Company. (c) An Alabama Coastal
Captive Insurance Company may write homeowners insurance coverage as limited in Section 27-31B-3(a)(4)
and as limited to perils described in subsection (a)...
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27-19-20
Section 27-19-20 Optional policy provisions - Insurance with other insurers - Expense-incurred
benefits. (a) There may be a provision as follows: "Insurance with Other Insurers: If
there be other valid coverage, not with this insurer, providing benefits for the same loss
on a provision of service basis or on an expense-incurred basis and of which this insurer
has not been given written notice prior to the occurrence or commencement of loss, the only
liability under any expense-incurred coverage of this policy shall be for such proportion
of the loss as the amount which would otherwise have been payable hereunder plus the total
of the like amounts under all such other valid coverages for the same loss of which this insurer
had notice bears to the total like amounts under all valid coverages for such loss, and for
the return of such portion of the premiums paid as shall exceed the pro rata portion for the
amount so determined. For the purpose of applying this provision when other...
alisondb.legislature.state.al.us/alison/CodeOfAlabama/1975/27-19-20.htm - 3K - Match Info - Similar pages
27-19-21
Section 27-19-21 Optional policy provisions - Insurance with other insurers - Other benefits.
(a) There may be a provision as follows: "Insurance with Other Insurers: If there be
other valid coverage, not with this insurer, providing benefits for the same loss on other
than an expense-incurred basis and of which this insurer has not been given written notice
prior to the occurrence or commencement of loss, the only liability for such benefits under
this policy shall be for such proportion of the indemnities otherwise provided hereunder for
such loss as the like indemnities of which the insurer had notice (including the indemnities
under this policy) bear to the total amount of all like indemnities for such loss and for
the return of such portion of the premium paid as shall exceed the pro rata portion for the
indemnities thus determined." (b) If the foregoing policy provision is included in a
policy which also contains the policy provision set out in Section 27-19-20, there shall be...
alisondb.legislature.state.al.us/alison/CodeOfAlabama/1975/27-19-21.htm - 2K - Match Info - Similar pages
27-22-42
Section 27-22-42 Policyholders Bill of Rights. The following shall serve as the minimum standards
to be followed by the Alabama Department of Insurance in exercising the department's powers
and duties in regulating insurance companies pursuant to Chapter 12. The Department of Insurance
and insurance companies shall post this list or an electronic link of this list on their respective
websites. These standards include the following: (1) Policyholders shall have the right to
competitive pricing practices of insurers as prescribed by applicable federal or state insurance
law and regulation. (2) Policyholders shall have the right to insurance advertising and sales
approaches that provide representative information on the policy in accordance with Chapter
12. (3) Policyholders shall have the right to assurance that the insurance market in general
and their insurance company in particular are financially stable as provided in Section 27-12-7.
(4) Policyholders shall have the right to receive...
alisondb.legislature.state.al.us/alison/CodeOfAlabama/1975/27-22-42.htm - 3K - Match Info - Similar pages
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