Failure of an insurer to provide or deliver a buyer's guide, or a policy summary as provided in section 45-04-01-04 shall constitute an omission which misrepresents the benefits, advantages, conditions, or terms of an insurance policy.
N.D. Admin Code 45-04-01-06
General Authority: NDCC 28-32-02
Law Implemented: NDCC 26.1-01-08, 26.1-33-02