Connecticut Administrative Code

Regulations of Connecticut State AgenciesSec. 38a-782a-9. Advertising(a) Courses shall not be advertised as approved for continuing education credit unless such approval has been granted by the commissioner in writing. (b) When a course has been approved for continuing education …

Regulations of Connecticut State AgenciesSec. 38a-788-1. AuthorityThe following regulations are promulgated under the authority set forth in Section 38a-788 of the Connecticut General Statutes. (Effective September 25, 1992; Transferred June 22, 1995; Amended June 3, 2020) AUTHOR…

Regulations of Connecticut State AgenciesSec. 38a-788-2. Definitions(a) \"Public adjuster\" means any person, partnership, association or corporation who or which practices as a business the adjusting of loss or damage by fire or other hazard under any policies of insurance in be…

Regulations of Connecticut State AgenciesSec. 38a-788-3. Prohibited practices(a) No public adjuster shall pay any money or give anything of value to any person in consideration of a direct or indirect referral of a client or potential client. (b) No public adjuster shall pay any …

Regulations of Connecticut State AgenciesSec. 38a-788-4. Disclosures(a) A public adjuster shall disclose in writing to the client any interest the public adjuster has in loss proceeds other than those acquired by his employment contract. (b) A public adjuster in soliciting a clie…

Regulations of Connecticut State AgenciesSec. 38a-788-5. Settlement offersAny written offer to settle a loss received by a public adjuster shall be transmitted to the client and, if rejected by the client, such offer shall be acknowledged by an appropriate endorsement thereto. (E…

Regulations of Connecticut State AgenciesSec. 38a-788-6. Form of contractNo public adjuster shall enter into an employment contract except in conformity with this regulation. There shall be a true copy of the employment contract which shall be given to the client at the time the …

Regulations of Connecticut State AgenciesSec. 38a-788-7. Records: contracts(a) All public adjusters shall maintain an office which shall contain the records of all documents pertaining to the settlement of the claim and files of all clients and said records shall be available for…

Regulations of Connecticut State AgenciesSec. 38a-788-8. CompensationNo public adjuster shall receive compensation in excess of 10% of the actual or final settlement of a loss covered by the employment contract. (Effective September 25, 1992; TransferredJune 22, 1995) AUTHORITY: …

Regulations of Connecticut State AgenciesSec. 38a-790-1. DefinitionsAs used in sections 38a-790-2 to 38a-790-8 inclusive: (1) \"Appraiser\" means a motor vehicle physical damage appraiser licensed under the provisions of section 38a-790 of the 1969 supplement to the general statu…

Regulations of Connecticut State AgenciesSec. 38a-790-2. Display of licenseEach appraiser, while engaged in appraisal duties, shall carry the license issued to him by the insurance department and shall display it, upon request, to an owner whose vehicle is being inspected, to the…

Regulations of Connecticut State AgenciesSec. 38a-790-3. Agreement on repair priceAn appraiser may agree on a price for repairing a damaged motor vehicle only with a repair shop, as so defined, unless the damaged vehicle is located and will be repaired outside of the state of Con…

Regulations of Connecticut State AgenciesSec. 38a-790-4. Copy of appraisal left with repair shopThe appraiser shall leave a legible copy of his appraisal with the repair shop selected to make the repairs, which appraisal shall contain the name of the insurance company ordering it…

Regulations of Connecticut State AgenciesSec. 38a-790-5. Competitive estimatesIf the appraiser and the repair shop fail to agree on a price for repairs, the appraiser shall not obtain a competitive estimate from another repair shop unless the owner of such other shop, or his auth…

Regulations of Connecticut State AgenciesSec. 38a-790-6. Appraiser not to request specified shopNo appraiser shall request that appraisals or repairs be made in a specified repair shop or shops. (Effective September 25, 1992) AUTHORITY: Conn. Gen. Stat. § 38a-790 AUTHORITY: Conn.…

Regulations of Connecticut State AgenciesSec. 38a-790-7. Reinspection on request for supplementary allowancesEvery appraiser shall reinspect damaged vehicles when supplementary allowances are requested by repair shops. (Effective September 25, 1992) AUTHORITY: Conn. Gen. Stat. § …

Regulations of Connecticut State AgenciesSec. 38a-790-8. Code of ethicsEvery appraiser shall: (1) Conduct himself in such a manner as to inspire public confidence by fair and honorable dealings; (2) approach the appraisal of damaged property without prejudice against, or favoriti…

Regulations of Connecticut State AgenciesSec. 38a-792-1. Adjusters required to be licensedAdjusters of casualty claims requiring a license under section 38a-792 of the general statutes shall include the following: (a) All adjusters who settle personal injury or death claims arisi…

Regulations of Connecticut State AgenciesSec. 38a-792-2. Adjusters not required to be licensedNo fire insurance adjuster need be licensed. No life insurance adjuster need be licensed.(Effective December 21, 1992) AUTHORITY: Conn. Gen. Stat. § 38a-792 AUTHORITY: Conn. Gen. Stat. §…

Regulations of Connecticut State AgenciesSec. 38a-792-3. Settlement of small property damage losses by agentsAny licensed agent of any insurance company who has authority to settle losses not exceeding one thousand five hundred dollars when such losses are property damage losses …

Regulations of Connecticut State AgenciesSec. 38a-792-4. National standardsExcept to the extent that they may be modified or extended by state statutes or regulations, casualty adjusters, in respect to their rights and duties in the business of adjusting insurance claims, shall b…

Regulations of Connecticut State AgenciesSec. 38a-792-5. Notice of offer of compromise or rejection of claimIn view of the fact that the statute of limitations applies on the time for suit in negligence cases, it is suggested that, even if there might be no legal duty on the part…

Regulations of Connecticut State AgenciesSec. 38a-794-1—38a-794-18. Transferred Transferred, January 16, 1996. AUTHORITY: Conn. Gen. Stat. § 38a-794

Regulations of Connecticut State AgenciesSec. 38a-799-1. DefinitionsAs used in sections 38a-799-1 through 38a-799-9, inclusive, of the Regulations of Connecticut State Agencies: (1) \"Applicant\" means a rental company seeking a permit from the commissioner to sell insurance in c…

Regulations of Connecticut State AgenciesSec. 38a-799-2. Categories(a) No rental company may offer for sale any categories of insurance products other than the categories set forth in subsection (b) of section 1 of Public Act 99-127. (b) No rental company may offer for sale any i…

Regulations of Connecticut State AgenciesSec. 38a-799-3. Requirements for a permit(a) The commissioner may issue to a rental company that has complied with sections 38a-799-1 through 38a-799-9, inclusive, of the Regulations of Connecticut State Agencies a permit authorizing the r…

Regulations of Connecticut State AgenciesSec. 38a-799-4. Conditions(a) No permittee may offer any insurance coverage under sections 38a-799-1 through 38a-799-9 of the Regulations of Connecticut State Agencies unless the underlying period of the rental agreement is sixty consecuti…

Regulations of Connecticut State AgenciesSec. 38a-799-5. Training(a) Each rental company offering insurance to renters pursuant to sections 38a-799-1 through 38a-799-9 of the Regulation of Connecticut State Agencies shall conduct a training program for all employees who will act …

Regulations of Connecticut State AgenciesSec. 38a-799-6. AdvertisingNo rental company granted a permit by the commissioner pursuant to sections 38a-799-1 through 38a-799-9, inclusive, of the Regulations of Connecticut State Agencies shall advertise, represent, or otherwise hold i…

Regulations of Connecticut State AgenciesSec. 38a-799-7. CompensationNo employee of a rental company may directly receive additional compensation, fees or commissions dependent on the premium received for placing insurance under the terms of the rental company's permit, except th…

Regulations of Connecticut State AgenciesSec. 38a-799-8. Records(a) All records pertaining to the transaction of insurance by a rental company shall be retained by the rental company for a period of not less than three years and shall be made available and open for inspection to …

Regulations of Connecticut State AgenciesSec. 38a-799-9. Penalties(a) The commissioner, after reasonable notice to and hearing of any rental company granted a permit under sections 38a-799-1 through 38a-799-9 inclusive of the Regulations of Connecticut State Agencies, may suspend…

Regulations of Connecticut State AgenciesSec. 38a-8-1. Duties and authority of insurance departmentThe mission of the Insurance Department is to serve consumers in a professional and timely manner by providing assistance and information to the public and to policy makers, by regu…

Regulations of Connecticut State AgenciesSec. 38a-8-10. Construction and amendmentThe rules of practice shall be construed by the Commissioner and any presiding officer as to secure just, speedy, and inexpensive determination of the issues presented hereunder. Amendments and addi…

Regulations of Connecticut State AgenciesSec. 38a-8-101. AuthoritySections 38a-8-101 to 38a-8-104, inclusive, are adopted pursuant to the authority of Section 38a-8 of the General Statutes as necessary to implement Sections 38a-71, 38a-72, 38a-256, 38a-620, and 38a-911 of the Gen…

Regulations of Connecticut State AgenciesSec. 38a-8-102. PurposeThe purpose of this regulation is to set forth the standards which the Insurance Commissioner may use for identifying insurers found to be in such condition as to render the continuance of their business hazardous to…

Regulations of Connecticut State AgenciesSec. 38a-8-103. StandardsThe following standards, either singly or a combination of two or more, may be considered by the Commissioner to determine whether the continued operation of any insurer transacting an insurance business in this st…

Regulations of Connecticut State AgenciesSec. 38a-8-104. Commissioner's authority(a) For the purposes of making a determination of an insurer's financial condition under this regulation, the Commissioner may: (1) disregard any credit or amount receivable resulting from transactio…

Regulations of Connecticut State AgenciesSec. 38a-8-105. ScopeSections 38a-8-105 to 38a-8-123 of the Regulations of Connecticut State Agencies govern the treatment of nonpublic personal financial information about individuals by all licensees of the Connecticut Insurance Departme…

Regulations of Connecticut State AgenciesSec. 38a-8-106. DefinitionsAs used in sections 38a-8-105 to 38a-8-123, inclusive, of the Regulations of Connecticut State Agencies: (1) \"Affiliate\" means any company that controls, is controlled by or is under common control with another…

Regulations of Connecticut State AgenciesSec. 38a-8-107. Initial privacy notice to consumers required(a) A licensee shall provide a clear and conspicuous notice that accurately reflects its privacy policies and practices to: (1) A consumer, before the licensee discloses any nonpu…

Regulations of Connecticut State AgenciesSec. 38a-8-108. Annual privacy notice to customers required(a) A licensee shall provide a clear and conspicuous notice to customers that accurately reflects its privacy policies and practices not less than annually during the continuation …

Regulations of Connecticut State AgenciesSec. 38a-8-109. Information to be included in privacy notices(a) The initial, annual, and revised privacy notices that a licensee provides as set forth in section 38a-8-107, section 38a-8-108, and section 38a-8-111 of the Regulations of Co…

Regulations of Connecticut State AgenciesSec. 38a-8-11. Computation of timeComputation of any period of time referred to in the rules of practice begins with the first day following that on which the act which initiates such period of time occurs and ends on the last day of the p…

Regulations of Connecticut State AgenciesSec. 38a-8-110. Form of opt out notice to consumers and opt out methods(a) If a licensee is required to provide an opt out notice as set forth in section 38a-8-113(a) of the Regulations of Connecticut State Agencies, it shall provide a cle…

Regulations of Connecticut State AgenciesSec. 38a-8-111. Revised privacy notices(a) Except as otherwise permitted by section 38a-8-116, 38a-8-117, or 38a-8-118 of the Regulations of Connecticut State Agencies, a licensee shall not, directly or through an affiliate, disclose any n…

Regulations of Connecticut State AgenciesSec. 38a-8-112. Delivery(a) A licensee shall provide all notices that sections 38a-8-105 to 38a-8-123 of the Regulations of Connecticut State Agencies require so that each consumer can reasonably be expected to receive actual notice in wri…