Code of Alabama

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33-19-1
Section 33-19-1 Apalachicola-Chattahoochee-Flint River Basin Compact. The State of Alabama
hereby agrees to the following interstate compact known as the Apalachicola-Chattahoochee-Flint
River Basin Compact: Apalachicola-Chattahoochee-Flint River Basin Compact The States of Alabama,
Florida and Georgia and the United States of America hereby agree to the following compact
which shall become effective upon enactment of concurrent legislation by each respective state
legislature and the Congress of the United States. Short Title This Act shall be known and
may be cited as the "Apalachicola-Chattahoochee-Flint River Basin Compact" and shall
be referred to hereafter in this document as the "ACF Compact" or "compact."
Article I Compact Purposes This compact among the States of Alabama, Florida and Georgia and
the United States of America has been entered into for the purposes of promoting interstate
comity, removing causes of present and future controversies, equitably apportioning the...

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27-42-12
Section 27-42-12 Exhaustion of rights; nonduplication of recovery. (a) Any person having
a claim under an insurance policy, whether or not it is a policy issued by a member insurer,
where the claim under the other policy arises from the same facts, injury, or loss that gave
rise to the covered claim against the association, shall be required first to exhaust all
coverage provided by any such policy. Any amount payable on a covered claim under this chapter
shall be reduced by the full applicable limits stated in the other insurance policy and the
association shall receive a full credit for the stated limits, or, where there are no applicable
stated limits, the claim shall be reduced by the total recovery. Notwithstanding the foregoing,
no person shall be required to exhaust any right under the policy of an insolvent insurer.
(1) A claim under a policy providing liability coverage to a person who may be jointly and
severally liable with, or a joint tortfeasor with, the person covered...
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27-56-7
Section 27-56-7 Applicability to certain providers. (a) This chapter does not require
and shall not be construed to require any insurance policy, plan, or contract to provide health
care coverage for eye care. The provisions of this chapter are applicable only to those insurance
policies, plans, or contracts which provide coverage for eye care. (b) Insurers or other issuers
of any insurance policy, plan, or contract which provides coverage for eye care shall continue
to be able to establish and apply selection criteria and utilization protocols for health
care providers as well as credentialing criteria used in the selection of providers. (c) This
chapter does not require and shall not be construed to require the coverage of eye care services
by providers who are not designated as covered providers, or who are not selected as participating
providers, by an insurance policy, plan, or contract, or the issuer thereof having a participating
network of service providers. Provided, however,...
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27-22-43
Section 27-22-43 Outline of coverage and comprehensive policy checklist. (a) No homeowners
personal lines residential property coverage insurance policy shall be delivered or issued
for delivery in this state unless an appropriate outline of coverage and comprehensive policy
checklist have been delivered to the policyholder prior to issuance, within 30 days after
issuance of the policy under separate cover, or included in the policy when issued or mailed.
The comprehensive policy checklist shall contain a list of provisions and elements, whether
or not they are included in the policy being issued, in a format that allows the insurer to
indicate what is and what is not included in the policy being issued. The outline of coverage
and comprehensive checklist shall provide information on the policy and may, but is not required
to, include coverage by endorsement. (b) To be in compliance with this section, an
insurer may use an approved outline of coverage and comprehensive policy...
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27-19-106
Section 27-19-106 Effect of misrepresentation; field issuance. (a) For a policy or certificate
that has been in force for less than six months an insurer may rescind a long-term care insurance
policy or certificate or deny an otherwise valid long-term care insurance claim upon a showing
of misrepresentation that is material to the acceptance for coverage. (b) For a policy or
certificate that has been in force for at least six months but less than two years an insurer
may rescind a long-term care insurance policy or certificate or deny an otherwise valid long-term
care insurance claim upon a showing of misrepresentation that is both material to the acceptance
for coverage and which pertains to the condition for which benefits are sought. (c) After
a policy or certificate has been in force for two years it is not contestable upon the grounds
of misrepresentation alone but may be contested only upon a showing that the insured knowingly
and intentionally misrepresented relevant facts...
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27-22A-3
Section 27-22A-3 Requirements for sale of portable electronics insurance. (a) At every
location where portable electronics insurance is offered to customers, brochures or other
written materials must be made available to a prospective customer which: (1) Disclose that
portable electronics insurance may provide a duplication of coverage already provided by a
customer's homeowner's insurance policy, renter's insurance policy, or other source of coverage.
(2) State that the enrollment by the customer in a portable electronics insurance program
is not required in order to purchase or lease portable electronics or services. (3) Summarize
the material terms of the insurance coverage, including all of the following: a. The identity
of the insurer. b. The identity of the supervising entity. c. The amount of any applicable
deductible and how it is to be paid. d. Benefits of the coverage. e. Key terms and conditions
of coverage such as whether portable electronics may be repaired or replaced...
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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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27-19-56
Section 27-19-56 Outline of coverage; disclosure of information. (a) In order to provide
for full and fair disclosure in the sale of Medicare supplement policies, no Medicare supplement
policy shall be delivered or issued for delivery in this state and no certificate shall be
delivered pursuant to a group Medicare supplement policy delivered or issued for delivery
in this state unless an outline of coverage is delivered to the applicant at the time application
is made. (b) The commissioner shall prescribe the format and content of the outline of coverage
required by subsection (a) of this section. For purposes of this section, "format"
means style, arrangements, and overall appearance, including, but not limited to, the size,
color, and prominence of type and the arrangement of text and captions. This outline of coverage
shall include all of the following: (1) A description of the principal benefits and coverage
provided in the policy. (2) A statement of the renewal provisions...
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27-1-10.1
Section 27-1-10.1 Insurance coverage for drugs to treat life-threatening illnesses.
(a) The Legislature finds and declares the following: (1) The citizens of this state rely
upon health insurance to cover the cost of obtaining health care and it is essential that
the citizens' expectation that their health care costs will be paid by their insurance policies
is not disappointed and that they obtain the coverage necessary and appropriate for their
care within the terms of their insurance policies. (2) Some insurers deny payment for drugs
that have been approved by the Federal Food and Drug Administration, hereafter referred to
as FDA, when the drugs are used for indications other than those stated in the labelling approved
by the FDA, off-label use, while other insurers with similar coverage terms do pay for off-label
use. (3) Denial of payment for off-label use can interrupt or effectively deny access to necessary
and appropriate treatment for a person being treated for a...
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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...
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