Code of Alabama

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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,...
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34-19-21
Section 34-19-21 Coverage or reimbursement for services not required. Nothing contained
in this chapter shall be construed to create a requirement that any health benefit plan, group
insurance plan, policy, or contract for health care services that covers hospital, medical,
or surgical expenses, health maintenance organizations, preferred provider organizations,
medical service organizations, physician-hospital organizations, or any other person, firm,
corporation, joint venture, or other similar business entity that pays for, purchases, or
furnishes group health care services to patients, insureds, or beneficiaries in this state,
including entities created pursuant to Article 6, commencing with Section 10A-20-6.01,
of Chapter 20, Title 10A, provide coverage or reimbursement for the services described or
authorized in this chapter. (Act 2017-383, §4.)...
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10A-1-6.31
Section 10A-1-6.31 Insurance and other arrangements. (a) Notwithstanding any other provision
of this article, an enterprise may purchase or procure or establish and maintain insurance
or another arrangement to indemnify or hold harmless an existing or former governing person,
delegate, officer, employee, or agent against any liability: (1) asserted against and incurred
by the person in that capacity; or (2) arising out of the person's status in that capacity.
(b) The insurance or other arrangement established under subsection (a) may insure or indemnify
against the liability described by subsection (a) without regard to whether the enterprise
otherwise would have had the power to indemnify the person against that liability under this
chapter. (c) Insurance or another arrangement that involves self-insurance or an agreement
to indemnify made with the enterprise or a person that is not regularly engaged in the business
of providing insurance coverage may provide for payment of a...
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27-1-24
Section 27-1-24 Alabama Insurance Underwriting Association. (a) Every insurer authorized
to write and engaged in writing, on a direct basis, fire and extended coverage insurance in
Alabama shall be and remain a member of the Alabama Insurance Underwriting Association, an
unincorporated nonprofit joint underwriting association organized in 1970 and in continuous
existence from 1970 through November 1, 2008. Every such insurer shall be and remain a member
of the association so long as the association is in existence as a condition of such insurer's
authority to continue to transact the business of insurance in Alabama. An insurer that ceases
to be a member of the association due to withdrawal from the business of insurance in Alabama
or its withdrawal from writing fire and extended coverage insurance in Alabama remains liable
to the association as to contracts entered into during the insurer's membership in the association
to the same extent and effect as if the insurer's membership in...
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27-10-1
Section 27-10-1 Representing or aiding unauthorized insurer not allowed; exceptions;
validity of contracts. (a) No person shall in this state, directly or indirectly, act as agent
for, or otherwise represent or aid on behalf of another, any insurer not then authorized to
transact such insurance in this state in the solicitation, negotiation, or effectuation of
insurance or annuity contracts, forwarding of applications, delivery of policies or contracts,
inspection of risks, fixing of rates, investigation or adjustment of losses, collection of
premiums, or in any other manner in the transaction of insurance with respect to subjects
of insurance resident, located or to be performed in this state. (b) This section shall
not apply to: (1) Acceptance of service of process by the commissioner under Section
27-10-52; (2) Surplus lines insurance or coverage specified in Section 27-10-34 and
other transactions as to which a certificate of authority is not required of an insurer; (3)
Adjustment...
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27-14-8
Section 27-14-8 Forms - Filing and approval or disapproval. (a) No basic insurance policy
or annuity contract form or application form where written application is required and is
to be made a part of the policy, or contract, or printed rider, or endorsement form or form
of renewal certificate shall be delivered or issued for delivery in this state unless the
form has been filed with, and approved by, the commissioner. This subsection shall not apply
to surety bonds or to specially rated inland marine risks, nor to policies, riders, endorsements,
or forms of unique character designed for, and used with, relation to insurance upon a particular
subject or which relate to the manner of distribution of benefits or to the reservation of
rights and benefits under life or disability insurance policies and are used at the request
or with the consent of the individual policyholder, contract holder, or certificate holder.
As to group insurance policies effectuated and delivered outside this...
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27-15-76
Section 27-15-76 Calculation of adjusted premiums - Ordinary policies. (a) This section
shall not apply to ordinary policies issued on or after the operative date of Section
27-15-78, as defined therein. (b) In the case of ordinary policies issued on or after the
operative date of this section, all adjusted premiums and present values referred to
in this article shall be calculated on the basis of the Commissioners 1958 Standard Ordinary
Mortality Table, provided that, for any category of ordinary insurance issued on female risks,
adjusted premiums and present values may be calculated according to an age not more than three
years younger than the actual age of the insured and provided that, for any category of ordinary
insurance issued on female risks on or after July 30, 1979, adjusted premiums and present
values may be calculated according to an age not more than six years younger than the actual
age of the insured. (c) In calculating the present value of any paid-up term insurance...

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27-18-3
Section 27-18-3 Policy provisions - Grace period. The group life insurance policy shall
contain a provision that the policyholder is entitled to a grace period of not less than 30
days for the payment of any premium due except the first, during which grace period the death
benefit coverage shall continue in force unless the policyholder shall have given the insurer
written notice of discontinuance in advance of the date of discontinuance and in accordance
with the terms of the policy. The policy may provide that the policyholder shall be liable
to the insurer for the payment of a pro rata premium for the time the policy was in force
during such grace period. (Acts 1971, No. 407, p. 707, §409.)...
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27-19-52
Section 27-19-52 Definitions. For purposes of this article, the following terms shall
have the meaning indicated herein: (1) APPLICANT. Includes either of the following: a. In
the case of an individual Medicare supplement policy or subscriber contract, the person who
seeks to contract for insurance benefits. b. In the case of a group Medicare supplement policy
or subscriber contract, the proposed certificate holder. (2) CERTIFICATE. Any certificate
issued under a group Medicare supplement policy, which policy has been delivered or issued
for delivery in this state. (3) CERTIFICATE FORM. The form on which the certificate is delivered
or issued for delivery by the issuer. (4) ISSUER. Insurance companies, fraternal benefit societies,
health care service plans, health maintenance organizations, and any other entity delivering
or issuing for delivery in this state Medicare supplement policies or certificates. (5) MEDICARE.
The "Health Insurance for the Aged Act," Title XVIII of the Social...
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27-31-25
Section 27-31-25 Nonassessable policies. (a) If a reciprocal insurer has a surplus of
assets over all liabilities at least equal to the minimum capital stock required of a domestic
stock insurer authorized to transact like kinds of insurance, upon application of the attorney
and as approved by the subscribers' advisory committee, the commissioner shall issue his certificate
authorizing the insurer to extinguish the contingent liability of subscribers under its policies
then in force in this state and to omit provisions imposing contingent liability in all policies
delivered, or issued for delivery, in this state for so long as all such surplus remains unimpaired.
(b) Upon impairment of such surplus, the commissioner shall forthwith revoke the certificate.
Such revocation shall not render subject to contingent liability any policy then in force
and for the remainder of the period for which the premium has theretofore been paid; but after
such revocation, no policy shall be issued or...
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