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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...
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25-5-8
foregoing, the insurance association, organization, or corporation shall have first had its
contract and plan of business approved in writing by the Commissioner of the Department of
Insurance of Alabama and have been authorized by the Department of Insurance to transact the
business of workers' compensation insurance in this state and under the plan. Notwithstanding
any other provision of the law to the contrary, the obligations of employers under law for
workers' compensation benefits for injury of employees may be insured by any combination
of life, disability, accident, health, or other insurance provided that the coverages insure
without limitation or exclusion the workers' compensation benefits of this state. (b) Option
to operate as self-insurer. An employer subject to this chapter who elects not to insure his
or her liability thereunder shall furnish satisfactory proof to the secretary of his or her
financial ability to pay directly compensation in the amount and manner and...
alisondb.legislature.state.al.us/alison/CodeOfAlabama/1975/25-5-8.htm - 14K - Match Info - Similar pages
27-19-22
Section 27-19-22 Optional policy provisions - Relation of earnings to insurance. (a) There
may be a provision as follows: "Relation of Earnings to Insurance: If the total monthly
amount of loss of time benefits promised for the same loss under all valid loss of time coverage
upon the insured, whether payable on a weekly or monthly basis, shall exceed the monthly earnings
of the insured at the time disability commenced or his average monthly earnings for the period
of two years immediately preceding a disability for which claim is made, whichever is the
greater, the insurer will be liable only for such proportionate amount of such benefits under
this policy as the amount of such monthly earnings or such average monthly earnings of the
insured bears to the total amount of monthly benefits for the same loss under all such coverage
upon the insured at the time such disability commences and for the return of such part of
the premiums paid during such two years as shall exceed the pro rata...
alisondb.legislature.state.al.us/alison/CodeOfAlabama/1975/27-19-22.htm - 2K - Match Info - Similar pages
27-19-103
would result in economies of acquisition or administration. 3. The benefits are reasonable
in relation to the premiums charged. (5) LONG-TERM CARE INSURANCE. Any insurance policy or
rider advertised, marketed, offered, or designed to provide coverage for not less than 12
consecutive months for each covered person on an expense incurred, indemnity, prepaid, or
other basis for one or more necessary or medically necessary diagnostic, preventive, therapeutic,
rehabilitative, maintenance, or personal care services, provided in a setting other
than an acute care unit of a hospital. This term includes group and individual annuities and
life insurance policies or riders that provide directly or that supplement long-term care
insurance. This term also includes a policy or rider that provides for payment of benefits
based upon cognitive impairment or the loss of functional capacity. The term shall also include
qualified long-term care insurance contracts. Long-term care insurance may be...
alisondb.legislature.state.al.us/alison/CodeOfAlabama/1975/27-19-103.htm - 9K - Match Info - Similar pages
27-44-8
Section 27-44-8 Powers and duties of association. (a) If a member insurer is an impaired insurer,
the association may, in its discretion and subject to any conditions imposed by the association
that do not impair the contractual obligations of the impaired insurer, and that are approved
by the commissioner: (1) Guarantee or reinsure, or cause to be guaranteed, assumed, or reinsured,
any or all of the covered policies of the impaired insurers. (2) Provide such moneys, pledges,
notes, guarantees, or other means as are proper to effectuate subdivision (1), and assure
payment of the contractual obligations of the impaired insurer pending action under subdivision
(1). (b) If a member insurer is an insolvent insurer, the association shall, in its discretion
and subject to the approval of the commissioner, do either of the following: (1)a. Guarantee,
assume, or reinsure, or cause to be guaranteed, assumed, or reinsured, the covered policies
of the insolvent insurer. b. Assure payment of the...
alisondb.legislature.state.al.us/alison/CodeOfAlabama/1975/27-44-8.htm - 24K - Match Info - Similar pages
27-61-1
functions. 5. CORPORATE RECORDS OF THE COMMISSION The Commission shall maintain its corporate
books and records in accordance with the Bylaws. 6. QUALIFIED IMMUNITY, DEFENSE, AND INDEMNIFICATION
a. The Members, officers, executive director, employees, and representatives of the Commission,
the Executive Committee, and any other Committee of the Commission shall be immune from suit
and liability, either personally or in their official capacity, for any claim for damage to
or loss of property or personal injury or other civil liability caused by or
arising out of any actual or alleged act, error, or omission that occurred, or that the person
against whom the claim is made had a reasonable basis for believing occurred within the scope
of Commission employment, duties, or responsibilities; provided that nothing in this paragraph
shall be construed to protect any such person from suit and/or liability for any damage, loss,
injury, or liability caused by the intentional or willful or wanton...
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27-60-2
committees as its bylaws may provide for the carrying out of its functions. 4. Corporate records
of the commission. The commission shall maintain its corporate books and records in accordance
with the bylaws. 5. Qualified immunity, defense, and indemnification. a. The members, officers,
executive director, employees, and representatives of the commission shall be immune from
suit and liability, either personally or in their official capacity, for any claim for damage
to or loss of property or personal injury or other civil liability caused by
or arising out of any actual or alleged act, error, or omission that occurred, or that the
person against whom the claim is made had a reasonable basis for believing occurred within
the scope of commission employment, duties, or responsibilities. Nothing in this paragraph
shall be construed to protect any such person from suit or liability, or both, for any damage,
loss, injury, or liability caused by the intentional or willful and wanton...
alisondb.legislature.state.al.us/alison/CodeOfAlabama/1975/27-60-2.htm - 45K - Match Info - Similar pages
27-55-3
designated as a beneficiary of the policy, and if: (1) The applicant or prospective owner of
the policy lacks an insurable interest in the prospective insured. (2) The applicant or prospective
owner of the policy is known on the basis of medical, police, or court records to have committed
an act of abuse against the prospective insured. (3) The insured or prospective insured is
a subject of abuse, and that person, or a person who has assumed the care of that person,
if a minor or incapacitated, has objected to the issuance of the policy on the ground that
the policy would be issued to or for the direct or indirect benefit of the abuser. (h) An
insurer shall not be held civilly or criminally liable for the death of or injury to
an insured resulting from any action taken in a good faith effort to comply with the requirements
of this chapter. This subsection does not prevent an action by the commissioner to investigate
or enforce a violation of this chapter. (Act 2000-595, p. 1185, ยง3.)...
alisondb.legislature.state.al.us/alison/CodeOfAlabama/1975/27-55-3.htm - 8K - 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,...
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