Connecticut Administrative Code

Regulations of Connecticut State AgenciesSec. 38a-328-9. DeclinationsApplications for coverage shall be declined where the property is determined to be uninsurable because it fails to meet program standards. Such declinations shall be furnished in writing to the applicant with a …

Regulations of Connecticut State AgenciesSec. 38a-334-1. Required areas of coverage(a) Policies shall contain at least the following coverages: (1) Bodily injury liability and property damage liability;(2) protection against uninsured and underinsured motorists as described in se…

Regulations of Connecticut State AgenciesSec. 38a-334-10. Effective dateThe amendments to Sections 38a-334-1, 38a-334-2, 38a-334-4; Subsections (f) through (g) inclusive of Section 38a-334-5; and Sections 38a-334-6, 38a-334-7, 38a-334-8 and 38a-334-9 of the Regulations of Connect…

Regulations of Connecticut State AgenciesSec. 38a-334-2. DefinitionsAs used in sections 38a-334-1 to 38a-334-9, inclusive:(a) \"Bodily injury\" means bodily injury, sickness or disease, including death resulting therefrom; (b) \"Motor vehicle\" means private passenger motor vehic…

Regulations of Connecticut State AgenciesSec. 38a-334-3. Language of policies. Presumption re coverageThe provisions herein required need not be stated in the language or form of these regulations, but the coverage afforded shall be of equal or greater benefit to the insured. Pol…

Regulations of Connecticut State AgenciesSec. 38a-334-4. ExceptionsThese regulations do not apply to the insurance afforded under any policy: (1) to the extent that the insurance afforded exceeds the limits specified in subsection (a) of section 14-112 of the General Statutes or …

Regulations of Connecticut State AgenciesSec. 38a-334-5. Minimum provisions for bodily injury liability and property damage liability(a) Coverage. The insurer shall undertake to pay on behalf of the insured all sums which the insured shall become legally obligated to pay as damag…

Regulations of Connecticut State AgenciesSec. 38a-334-6. Minimum provisions for protection against uninsured or underinsured motorists(a) Coverage. The insurer shall undertake to pay on behalf of the insured all sums which the insured shall be legally entitled to recover as damag…

Regulations of Connecticut State AgenciesSec. 38a-334-7. Minimum provisions for medical payments(a) Coverage. The insurer may undertake to pay reasonable medical expense incurred within one year from the date of the accident for persons who sustain bodily injury while occupying a…

Regulations of Connecticut State AgenciesSec. 38a-334-8. General provisions(a) Policy period: Territory. Policies shall provide coverage during the period the policy is in effect and within the territorial limits of the United States and Canada or, as regards private passenger au…

Regulations of Connecticut State AgenciesSec. 38a-334-9. Statutory referencesAll references in sections 38a-334-1 to 38a-334-8, inclusive, of the Regulations of Connecticut State Agencies to sections of the General Statutes of Connecticut shall mean and include the statutory prov…

Regulations of Connecticut State AgenciesSec. 38a-347-1. Safe driver classification plan formFor all policies (new and renewals), issued to be effective on or after January 1, 1973, each company shall add a rating information form or other policy attachment explaining how its saf…

Regulations of Connecticut State AgenciesSec. 38a-347-2. Request for reviewUpon the request of an insured, the Insurance Commissioner or a person employed in the Insurance Department designated by the Commissioner shall review an insurance company's action in assigning a point or…

Regulations of Connecticut State AgenciesSec. 38a-347-3. Effective dateEffective October 1, 1975, all forms and policy attachments required by the provisions of § 38a-347-1 of these regulations shall include a direct quotation of § 38a-347-2 of these regulations. (Effective Septe…

Regulations of Connecticut State AgenciesSec. 38a-357-1. PurposeThe purpose of sections 38a-357-1 to 38a-357-8, inclusive of the regulations of Connecticut State Agencies, is to designate the National Insurance Crime Bureau as the central index reporting bureau; to provide for th…

Regulations of Connecticut State AgenciesSec. 38a-357-2. DefinitionsAs used in Section 38a-357-1 to 38a-357-8, inclusive of the Regulations of Connecticut State Agencies: (a) \"Central Index Reporting Bureau\" or \"Central Organization\" means the National Insurance Crime Bureau …

Regulations of Connecticut State AgenciesSec. 38a-357-3. DesignationThe Commissioner designates the National Insurance Crime Bureau (NICB) as the Central Index Reporting Bureau in the State of Connecticut. (Effective September 25, 1992; Amended June 26, 1997) AUTHORITY: Conn. Gen…

Regulations of Connecticut State AgenciesSec. 38a-357-4. Responsibilities of central organizationThe responsibilities of the NICB as the Central Organization are as follows:(a) The NICB shall establish and keep a central index file in a manner to be determined by it and consisten…

Regulations of Connecticut State AgenciesSec. 38a-357-5. Responsibilities of insurersThe responsibilities of insurers are as follows:(a) Insurers shall report all total losses due to theft or larceny, or constructive total losses due to fire, of any motor vehicle, or theft of any…

Regulations of Connecticut State AgenciesSec. 38a-357-6. Costs of administrationThe NICB is hereby authorized to make assessments, in such manner as its Governing Board may determine, among insurers licensed in the State of Connecticut, to reimburse NICB for the costs of the perf…

Regulations of Connecticut State AgenciesSec. 38a-357-7. Reporting requirementsAll insurers required to submit reports to the NICB for the purpose of complying with sections 38a-357-1 to 38a-357-8 of the Regulations of Connecticut State Agencies, inclusive, shall be bound by all …

Regulations of Connecticut State AgenciesSec. 38a-357-8. Cooperation with NICB(a) Insurers shall cooperate with the NICB and shall release information in their possession to the NICB upon it reasonable request. (b) The NICB, in furnishing information to an employee of the Departm…

Regulations of Connecticut State AgenciesSec. 38a-372-1. Certification of security by the individual insurance companiesA form shall be filed with the Insurance Commissioner for the certification of security by the individual insurance companies as required under Section 38a-371 …

Regulations of Connecticut State AgenciesSec. 38a-374-1—38a-374-2. (Repealed) Repealed March 28, 1996. AUTHORITY: Conn. Gen. Stat. § 38a-374

Regulations of Connecticut State AgenciesSec. 38a-383-1. (Repealed) Repealed March 28, 1996. AUTHORITY: Conn. Gen. Stat. § 38a-383 AUTHORITY: Conn. Gen. Stat. § 38a-383

Regulations of Connecticut State AgenciesSec. 38a-386-1. (Repealed) Repealed March 28, 1996. AUTHORITY: Conn. Gen. Stat. § 38a-386 AUTHORITY: Conn. Gen. Stat. § 38a-386

Regulations of Connecticut State AgenciesSec. 38a-387-1. (Repealed) Repealed March 28, 1996. AUTHORITY: Conn. Gen. Stat. § 38a-387 AUTHORITY: Conn. Gen. Stat. § 38a-387

Regulations of Connecticut State AgenciesSec. 38a-393-1. (Repealed) Repealed June 26, 1997. AUTHORITY: Conn. Gen. Stat. § 38a-393 AUTHORITY: Conn. Gen. Stat. § 38a-393

Regulations of Connecticut State AgenciesSec. 38a-41-1. AuthorityThe following regulations are adopted pursuant to section 38a-41 of the General Statutes of Connecticut as amended by section 7 of Public Act 81-101. (Effective September 25, 1992) AUTHORITY: Conn. Gen. Stat. § 38a-…

Regulations of Connecticut State AgenciesSec. 38a-41-2. Provisions of regulationApplicants seeking a Certificate of Authority to do any insurance business in the state of Connecticut shall comply with the provisions of law and this regulation, provided the commissioner may waive …

Regulations of Connecticut State AgenciesSec. 38a-41-3. General qualificationsAny unlicensed insurance company seeking to solicit or market insurance products in this state is hereby declared subject to Sections 38a-41-1 to 38a-41-4, inclusive, of the Regulations of the Connectic…

Regulations of Connecticut State AgenciesSec. 38a-41-4. Procedure(1) As far as practicable, all applicants having been assigned a sequential order respecting their application will have their submission reviewed in that serial order. (2) Applicants must keep filing current. Any a…

Regulations of Connecticut State AgenciesSec. 38a-41-5. Effective dateThese regulations shall take effect on filing with the secretary of state as provided in section 4-172 of the General Statutes. (Effective September 25, 1992) AUTHORITY: Conn. Gen. Stat. § 38a-41 AUTHORITY: Con…

Regulations of Connecticut State AgenciesSec. 38a-41-6. SeverabilityIf any section or portion of a section of these regulations or the applicability thereof to any person or circumstances is held invalid by a court, the remainder of the regulations, or the applicability of such p…

Regulations of Connecticut State AgenciesSec. 38a-424a-1. PurposeSections 38a-424a-1 to 38a-424a-4, inclusive, are intended to provide guidelines to maximize the availability of title insurance coverage with respect to real property that is the subject of an Indian land claim con…

Regulations of Connecticut State AgenciesSec. 38a-424a-2. DefinitionsAs used in Sections 38a-424a-1 to 38a-424a-4, inclusive:(1) \"Commissioner\" means the Insurance Commissioner of the State of Connecticut.(2) \"Exception\" or \"Indian land claim exception\" means the reference …

Regulations of Connecticut State AgenciesSec. 38a-424a-3. Required practices(a) Existing owner's policy—sale or mortgage. If the real property has been identified in an Indian land claim lawsuit which has been filed in court, or is the subject of a notice of intent to sue, and an…

Regulations of Connecticut State AgenciesSec. 38a-424a-4. Underwriting guidelinesTitle insurers shall, immediately upon the effective date of sections 38a-424a-1 to 38a-424a-4, inclusive, file with the Commissioner all underwriting guidelines relating to title insurance coverage …

Regulations of Connecticut State AgenciesSec. 38a-430-1. DefinitionsAs used in Sections 38a-430-1 to 38a-430-4, inclusive, of the Regulations of Connecticut State Agencies: (a) ‘‘Commissioner’’ means the Insurance Commissioner of the State of Connecticut.(b) ‘‘Form’’ means a life…

Regulations of Connecticut State AgenciesSec. 38a-430-2. Filing procedureAny insurer required pursuant to Section 38a-430 of the Connecticut General Statutes to file a copy of a form with the Commissioner for approval, shall comply with the following standards: (a) Filing. (1) Fi…

Regulations of Connecticut State AgenciesSec. 38a-430-3. Policy form approval(a) Each filing shall be state specific. Only filings with state specific language will be approved. (b) Unless otherwise provided by law, the Insurance Department shall review all forms filed with the I…

Regulations of Connecticut State AgenciesSec. 38a-430-3a. Electronic filingFilings shall be considered received by the Commissioner when received at the Insurance Department. Filings received on a weekend or legal holiday shall be deemed received on the next business day. An elec…

Regulations of Connecticut State AgenciesSec. 38a-430-4. SeverabilityIf any provision of this regulation or application thereof to any person or circumstance is for any reason held to be invalid, the remainder of the regulation and the application of such provision to other perso…

Regulations of Connecticut State AgenciesSec. 38a-432a-1. Purpose(a) The purpose of sections 38a-432a-1 to 38a-432a-8, inclusive, of the Regulations of Connecticut State Agencies is to require producers to act in the best interest of the consumer when making a recommendation of a…

Regulations of Connecticut State AgenciesSec. 38a-432a-2. ScopeSections 38a-432a-1 to 38a-432a-8, inclusive, of the Regulations of Connecticut State Agencies shall apply to any sale or recommendation of an annuity. (Adopted effective August 4, 2005; Amended November 10, 2008; Ame…

Regulations of Connecticut State AgenciesSec. 38a-432a-3. ExemptionsUnless otherwise specifically included, sections 38a-432a-1 to 38a-432a-8, inclusive, of the Regulations of Connecticut State Agencies shall not apply to transactions involving: (1) Direct response solicitations …

Regulations of Connecticut State AgenciesSec. 38a-432a-4. DefinitionsAs used in sections 38a-432a-1 to 38a-432a-8, inclusive, of the Regulations of Connecticut State Agencies: (1) “Agency” means a person that employs one (1) or more producers;(2) “Annuity” means “annuities” as de…

Regulations of Connecticut State AgenciesSec. 38a-432a-5. Duties of insurers, agencies and producers(a) Best Interest Obligations. A producer, when recommending an annuity, shall act in the best interest of the consumer under the circumstances known at the time the recommendation…

Regulations of Connecticut State AgenciesSec. 38a-432a-6. Compliance mitigation, penalties, enforcement(a) An insurer is responsible for compliance with sections 38a-432a-1 to 38a-432a-8, inclusive, of the Regulations of Connecticut State Agencies. If a violation occurs, either b…

Regulations of Connecticut State AgenciesSec. 38a-432a-7. Record keeping(a) Insurers, agencies and producers shall maintain or be able to make available to the commissioner records of the information collected from the consumer, disclosures made to the consumer including summarie…