Chapter 11 - FORM AND CONTENTS OF INSURANCE POLICIES

Section 58-11-1 - Premium defined
Section 58-11-2 - Contents of policy
Section 58-11-3 - Statement of basis and rates for determination of premium included in policy
Section 58-11-4 - Contents of policy-Exemption of surety contracts or group insurance policies
Section 58-11-5 - Standard or uniform provisions of insurance contracts-Waiver of required use by director
Section 58-11-6 - Policy not to contain provisions inconsistent with standard or uniform provisions-Substitute provision, approval by director
Section 58-11-7 - Substitute provisions required by law of domicile of foreign or alien insurer, approval by director
Section 58-11-8 - Assessable policies-Special contents
Section 58-11-9 - Motor vehicle insurance-Uninsured motorist and hit-and-run coverage-Amount of coverage-Uninsured motorist coverage not required for government owned vehicles
Section 58-11-9.1 - Motor vehicle insured by insolvent liability insurer defined as uninsured-Rights of insurer making payment under uninsured motorist coverage
Section 58-11-9.2 - Notice required when automobile policy does not include liability insurance
Section 58-11-9.3 - Exclusion of named person or reduction of coverage in motor vehicle policy-Minimum liability coverage
Section 58-11-9.4 - Underinsured motorist coverage to be available with liability policies-Limitation of coverage-Exception
Section 58-11-9.5 - Payment to insured for portion of judgment not collected from underinsured motorist-Coverage limits
Section 58-11-9.6 - Subrogation of insurer-Assignment of judgment-Liability issuer allowed to pay limits under policy
Section 58-11-9.7 - Adding of insured's uninsured and underinsured motorist coverage limits prohibited-Exception
Section 58-11-9.8 - Adding of uninsured motorist coverage limits for multiple vehicles prohibited
Section 58-11-9.9 - Adding of underinsured motorist coverage limits for multiple vehicles prohibited
Section 58-11-9.10 - Increase in automobile insurance premiums due to drug-related offenses prohibited
Section 58-11-9.11 - Increase in automobile insurance premiums due to certain alcohol-related offenses by a minor prohibited
Section 58-11-10 - Additional policy provisions-Approval of director
Section 58-11-11 - Charter and bylaws, inclusion as part of contract of insurance-Subscriber's agreement or power of attorney of a reciprocal insurer as part of contract
Section 58-11-12 - Policy forms-Filing with and approval by director-Group policy certificates filed for informational purposes
Section 58-11-13 - Policies exempt from form provisions
Section 58-11-14 - Continuation of use of prior filings until otherwise prescribed
Section 58-11-15 - Order of director exempting insurance documents from requirements as to form
Section 58-11-16 - Property, marine and transportation, casualty and surety insurance coverages-Filing of forms by rating organizations
Section 58-11-17 - Time for filing of forms-Approval or disapproval by director
Section 58-11-18 - Extension of time for approval or disapproval of filing by director-Notice to insurer-Approval at expiration of extended period
Section 58-11-19 - Withdrawal of approval of form by director-Notice
Section 58-11-20 - Order of director disapproving form or withdrawing previous approval-Detailed statement of grounds
Section 58-11-21 - Grounds for disapproval of form or withdrawal of previous approval
Section 58-11-22 - Identification of contracts issued and forms filed with director-Change in form
Section 58-11-23 - Execution of policy by authorized representative of insurer
Section 58-11-24 - Facsimile signature used on policy
Section 58-11-25 - Unauthorized facsimile signature does not invalidate policy-Estoppel by issuance of surety bond with facsimile signature
Section 58-11-26 - Underwriters' policy-Joint and several liability-True name of insurer
Section 58-11-27 - Combination policy-Contents
Section 58-11-28 - Underwriters' and combination policies provisions do not apply to cosurety obligations
Section 58-11-29 - Binders or other contracts for temporary insurance-Terms-Fraudulent statement as misdemeanor
Section 58-11-30 - Duration of binder
Section 58-11-31 - Extension or renewal of binder-Approval of director
Section 58-11-32 - Binder provisions do not apply to life or health insurance
Section 58-11-33 - Delivery of policy-Payment of premium-Insured not meeting condition required by insurer
Section 58-11-34 - Insurance of motor vehicle sales contracts, copy of policy delivered to vendee, mortgagor, or pledgor, contents-Inapplicable to inland marine floater policies
Section 58-11-35 - Renewal or extension of policy at option of insurer
Section 58-11-36 - Assignment of policies
Section 58-11-37 - Policy not complying with statutory form-Validity-Construction
Section 58-11-38 - Policy, rider, or endorsement containing condition, omission or provision not in compliance with requirements-Validity-Construction
Section 58-11-39 - Construction of insurance contract-Terms and conditions-Modification by rider, endorsement, or application made part of policy
Section 58-11-40 - Application for life or health insurance as evidence-Annuity contract-Copy made a part of policy-Inapplicable to industrial life policy
Section 58-11-41 - Application for reinstatement or renewal of life or health insurance-Copy requested by insured-Effect of noncompliance by insurer
Section 58-11-42 - Alteration of application for life or health insurance-Written consent of applicant-Insertions by insurer
Section 58-11-43 - Application for insurance other than life or health-Use as evidence-Failure to furnish copy to insured
Section 58-11-44 - Application for insurance or annuity-Statements by insured deemed representations-Omissions, concealment, and incorrect statements preventing recovery
Section 58-11-44.1 - Unanswered questions no basis for denial of recovery unless insurer demanded answers
Section 58-11-44.2 - Requests for information and actions based on applicant's failure to meet insurer's underwriting requirements permissible
Section 58-11-45 - Cancellation and nonrenewal of automobile policy or coverage-Definition of terms
Section 58-11-45.1 - Reporting agencies and persons listed with director
Section 58-11-45.2 - Applicant for liability insurance not to be prejudiced by false reports
Section 58-11-45.3 - Informant to be identified if insurance refused-Violation as misdemeanor
Section 58-11-46 - Notice of cancellation of automobile policy-Reasons for cancellation
Section 58-11-47 - Reasons for cancellation not applicable to automobile policy in effect less than sixty days-Application of notice provisions to policies
Section 58-11-48 - Modification of automobile physical damage coverage not deemed cancellation
Section 58-11-49 - Time for mailing or delivery of notice of cancellation of automobile policy-Provision for statement of reason for cancellation
Section 58-11-50 - Request of insured for reason for cancellation
Section 58-11-51 - Notice of nonrenewal of automobile policy-Time for notice-Exceptions to requirement for notice-Renewal not waiver of grounds for cancellation
Section 58-11-52 - Proof of notice of cancellation or nonrenewal of automobile policy or coverage
Section 58-11-53 - Notice of eligibility for assigned risk plan on cancellation or nonrenewal of automobile liability insurance
Section 58-11-54 - Director or insurer not liable for statements as to reasons for cancellation or refusal of automobile coverage
Section 58-11-55 - Discrimination in issuance or renewal of automobile insurance policy as misdemeanor-Exceptions
Section 58-11-55.1 - Use of age or occupation in determining issuance or renewal of policies
Section 58-11-55.2 - Applicability of section 58-11-55
Section 58-11-55.3 - Promulgation of rules to prevent unfair discrimination
Section 58-11-56 - [Repealed]
Section 58-11-57 - Assigned risk plan for automobile liability insurance
Section 58-11-58 to 58-11-61 - [Repealed]
Section 58-11-62 - Notice of intent to cease marketing block of business-What constitutes cessation of marketing block of business
Section 58-11-63 - Regulation of form and content of policies, policy forms, standards, and procedures for filings, cancellation, and nonrenewal of policies
Section 58-11-64 - Definition of terms
Section 58-11-65 - Carriers subject to filing requirements
Section 58-11-66 - Filing and director approval required
Section 58-11-67 - Filing requirements-Availability on internet
Section 58-11-68 - Filer to indicate location of each requirement on policy form filing
Section 58-11-69 - Approval or disapproval of filing-Review period
Section 58-11-70 - Correction of deficiencies
Section 58-11-71 - Review of resubmitted filing-Review period
Section 58-11-72 - Resubmitted form not to be disapproved for reasons other than in initial disapproval-Exceptions
Section 58-11-73 - Grossly inadequate filings
Section 58-11-74 - Limitations on director's authority
Section 58-11-75 - Application to existing approved policy forms
Section 58-11-76 - Construction with other time periods
Section 58-11-77 - Appeal of disapproval of rate or policy form filing