Title 18 — Insurance Code
83 chapters · 1,008 sections in this title.
18 Del. C. § 8301. Purpose [For applicability of this section, see 81 Del. Laws, c. 108, § 3].
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§ 8301. Purpose [For applicability of this section, see 81 Del. Laws, c. 108, § 3]. The purpose of this chapter is to regulate the use of credit information for personal insurance, so that consumers are afforded certain protections with respect to the use of such information.81 D…
18 Del. C. § 8302. Scope [For applicability of this section, see 81 Del. Laws, c. 108, § 3].
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§ 8302. Scope [For applicability of this section, see 81 Del. Laws, c. 108, § 3]. This chapter applies to all policies of automobile, motorcycle, boat and personal watercraft, recreational vehicle, homeowners, mobile-homeowners, manufactured homeowners insurance, and noncommercia…
18 Del. C. § 8303. Definitions [For applicability of this section, see 81 Del. Laws, c. 108, § 3].
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§ 8303. Definitions [For applicability of this section, see 81 Del. Laws, c. 108, § 3]. As used in this chapter: (1) “Adverse action” means a denial or cancellation of, an increase in any charge for, or a reduction or other adverse or unfavorable change in the terms of coverage o…
18 Del. C. § 8304. Use of credit information [For applicability of this section, see 81 Del. Laws, c. 108, § 3].
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§ 8304. Use of credit information [For applicability of this section, see 81 Del. Laws, c. 108, § 3]. (a) An insurer authorized to do business in Delaware that uses credit information to underwrite or rate risks, shall not do any of the following: (1) Use an insurance score that …
18 Del. C. § 8305. Extraordinary life circumstances [For applicability of this section, see 81 Del. Laws, c. 108, § 3].
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§ 8305. Extraordinary life circumstances [For applicability of this section, see 81 Del. Laws, c. 108, § 3]. (a) Notwithstanding any other law or regulation, an insurer that uses credit information shall, on written request from an applicant for insurance coverage or an insured, …
18 Del. C. § 8306. Dispute resolution and error correction [For applicability of this section, see 81 Del. Laws, c. 108, § 3].
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§ 8306. Dispute resolution and error correction [For applicability of this section, see 81 Del. Laws, c. 108, § 3]. If it is determined through the dispute resolution process set forth in the federal Fair Credit Reporting Act, 15 U.S.C. § 1681i(a)(5), that the credit information …
18 Del. C. § 8307. Notification [For applicability of this section, see 81 Del. Laws, c. 108, § 3].
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§ 8307. Notification [For applicability of this section, see 81 Del. Laws, c. 108, § 3]. (a) If an insurer writing personal insurance uses credit information in underwriting or rating a consumer, the insurer or its agent shall disclose, either on the insurance application or at t…
18 Del. C. § 8308. Adverse action [For applicability of this section, see 81 Del. Laws, c. 108, § 3].
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§ 8308. Adverse action [For applicability of this section, see 81 Del. Laws, c. 108, § 3]. If an insurer takes an adverse action based upon credit information, the insurer must meet all of the following notice requirements: (1) Provide notification to the consumer that an adverse…
18 Del. C. § 8309. Filing [For applicability of this section, see 81 Del. Laws, c. 108, § 3].
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§ 8309. Filing [For applicability of this section, see 81 Del. Laws, c. 108, § 3]. (a) Insurers that use insurance scores to underwrite and rate risks must file their scoring models with the Commissioner. A third party may file scoring models on behalf of insurers. A filing that …
18 Del. C. § 8310. Indemnification; causes of action and defenses [For applicability of this section, see 81 Del. Laws, c. 108, § 3].
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§ 8310. Indemnification; causes of action and defenses [For applicability of this section, see 81 Del. Laws, c. 108, § 3]. An insurer shall indemnify, defend, and hold agents harmless from and against all liability, fees, and costs arising out of or relating to the actions, error…
18 Del. C. § 8311. Sale of policy term information by consumer reporting agency [For applicability of this section, see 81 Del. Laws, c. 108, § 3].
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§ 8311. Sale of policy term information by consumer reporting agency [For applicability of this section, see 81 Del. Laws, c. 108, § 3]. (a) No consumer reporting agency shall provide or sell data or lists that include any information that in whole or in part was submitted in con…
18 Del. C. § 8312. Severability [For applicability of this section, see 81 Del. Laws, c. 108, § 3].
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§ 8312. Severability [For applicability of this section, see 81 Del. Laws, c. 108, § 3]. If any section, paragraph, sentence, clause, phrase, or any part of this chapter is declared invalid due to an interpretation of or a future change in the federal Fair Credit Reporting Act [1…