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27-26-2
availability is limited and likely to become increasingly so, unless remedial legislation is
enacted. The Legislature further finds and declares that by reason of complicated and highly
technical medical concepts, and the existence of sophisticated medical techniques, decisions
with respect to optional procedures of diagnosis and treatment have become increasingly complex
and are necessarily made on the basis of professional judgment, on which opinions may and
often will reasonably vary. It is the purpose of this chapter to insure that the citizens
of the State of Alabama are able to receive necessary health services by providing an environment
in which the medical profession can be assured of medical liability insurance coverage and
be afforded reasonable protection against personal liability for consequences proximately
resulting from decisions with respect to diagnosis and treatment arrived at in the bona fide
exercise of professional judgment. (Acts 1975, No. 513, p. 1148, §2.)...
alisondb.legislature.state.al.us/alison/CodeOfAlabama/1975/27-26-2.htm - 1K - Match Info - Similar pages
27-31A-2
investment policies, and reinsurance agreements. g. Identification of each state in which the
risk retention group has obtained, or sought to obtain, a charter and license, and a description
of its status in each state. h. Other matters as may be prescribed by the Commissioner of
Insurance, or like official, in which the risk retention group is chartered for liability
insurance companies authorized by the insurance laws of that state. (9) PRODUCT LIABILITY.
Liability for damages because of any personal injury, death, emotional harm,
consequential economic damage, or property damage, including damages resulting from the loss
of use of property, arising out of the manufacture, design, importation, distribution, packaging,
labeling, lease, or sale of a product, but does not include the liability of any person for
those damages if the product involved was in the possession of the person when the incident
giving rise to the claim occurred. (10) PURCHASING GROUP. Any group which meets all...
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27-31C-2
Section 27-31C-2 Definitions. For the purpose of this chapter : (1) ALABAMA COASTAL CAPTIVE
INSURANCE COMPANY. A captive insurance company, as is defined by Section 27-31B-2(8), that
is specifically formed to provide 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. (2) COMMISSIONER. The Commissioner of Insurance of the State of Alabama.
(3) DEPARTMENT. The Alabama Department of Insurance. (4) PERIL. The cause of an insured loss.
(5) STATE. The State of Alabama. (Act 2008-391, p. 742, §2.)...
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16-22-4.1
Section 16-22-4.1 Education employee liability insurance; self-insurance. (a) For the purposes
of this section, the following terms shall have the following meanings: (1) CERTIFICATED PERSONNEL.
Full-time teachers, principals, and other education employees employed by a local board of
education and required to hold a certificate issued by the State Superintendent of Education.
(2) LOCAL BOARD OF EDUCATION. A city or county board of education, the Board of Trustees of
the Alabama Institute for Deaf and Blind, the Alabama Youth Services Board in its capacity
as the Board of Education for the Youth Services School District, the Board of Directors of
the Alabama School of Fine Arts, and the Board of Directors of the Alabama School of Mathematics
and Science. (3) STUDENT TEACHER. A college or university student in an education degree program
who, as part of the degree program, is assigned to teach in a local public school classroom,
is providing instruction to students, and is being...
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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.)...
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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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27-22-43
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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27-23-20
business of the insured; provided, however, that this article shall not apply: 1. To policies
of automobile liability insurance issued under an automobile assigned risk plan; 2. To any
policy insuring more than four automobiles; nor 3. To any policy covering garage, automobile
sales agency, repair shop, service station, or public parking place operation hazards and
provided, further, that this article shall apply only to that portion of an automobile liability
policy insuring against bodily injury and property damage liability and to the provisions
therein, if any, relating to medical payments and uninsured motorists' coverage. (2) NONPAYMENT
OF PREMIUM. Failure of the named insured to discharge, when due, any of his obligations in
connection with the payment of premiums on a policy of automobile liability insurance or any
installment of such premium, whether the premium is payable directly to the insurer or its
agent or indirectly under any premium finance plan or extension of...
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27-7-1
with or offering advice directly to a purchaser or prospective purchaser of a particular contract
of insurance concerning any of the substantive benefits, terms, or conditions of the contract,
provided that the person engaged in that act either sells insurance or obtains insurance from
insurers for purchasers. (17) PERSON. An individual or a business entity. (18) PROPERTY LINES
OF AUTHORITY. Any one or more of the following lines as defined in Section 27-7-14.1: Property;
casualty; and personal lines. (19) SELL. To exchange a contract of insurance by any
means, for money or its equivalent, on behalf of an insurance company. (20) SERVICE REPRESENTATIVE.
A natural person, other than an officer, manager, or managing general agent of the insurer,
employed on salary or at an hourly rate by an insurer, managing general agent, or a captive
producer to work for, with or through producers in selling, soliciting, or negotiating insurance
in the insurer or in the insurers represented by the...
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27-7-14.1
annuities, and may include benefits in the event of death or dismemberment by accident and
benefits for disability income. (2) ACCIDENT AND HEALTH OR SICKNESS, commonly known as disability.
Insurance coverage for sickness, bodily injury, or accidental death and may include
benefits for disability income. (3) PROPERTY. Insurance coverage for the direct or consequential
loss or damage to property of every kind. (4) CASUALTY. Insurance coverage against legal liability,
including that for death, injury, or disability or damage to real or personal
property, and surety. (5) VARIABLE LIFE and VARIABLE ANNUITY PRODUCTS. Insurance coverage
provided under variable life insurance contracts and variable annuities. (6) PERSONAL
LINES. Property and casualty insurance coverage sold to individuals and families for primarily
noncommercial purposes. (7) CREDIT. Limited line credit insurance. (8) BAIL BOND. Surety coverage
for bail, as defined in Chapter 13 of Title 15. (9) RENTAL VEHICLE. As...
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