Title 31 — Insurance and Securities.
94 chapters · 1,236 sections in this title.
D.C. Code § 31-2231.01 Definitions
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For the purposes of this chapter, the term: (1) “Agent” or “Broker” means a person who solicits, negotiates, effects, procures, delivers, renews, continues, or binds policies of insurance for persons or risks residing, located, or to be performed in the District of Columbia. (2) …
D.C. Code § 31-2231.02 General prohibition
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(a) This chapter shall be construed to permit an administrative remedy only, and nothing in this chapter shall be construed to create or imply a private cause of action for a violation of this chapter. (b) This chapter shall not be construed to extinguish, limit, or otherwise imp…
D.C. Code § 31-2231.03 Misrepresentations and false advertising of insurance policies
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No person shall make, issue, circulate, or cause to be made, issued or circulated, an estimate, illustration, circular or statement, sales presentation, omission, or comparison that: (1) Misrepresents the benefits, advantages, conditions, or terms of a policy; (2) Misrepresents t…
D.C. Code § 31-2231.04 False information and advertising generally
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No person shall make, publish, disseminate, circulate, or place before the public, or cause, directly or indirectly, to be made, published, disseminated, circulated, or placed before the public, in a newspaper, magazine, or other publication, or in a notice, circular, pamphlet, l…
D.C. Code § 31-2231.05 Defamation
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No person shall make, publish, disseminate, or circulate, directly or indirectly, or aid, abet, or encourage the making, publishing, disseminating or circulating, of an oral or written statement or a pamphlet, circular, article, or literature, which is false with respect to, mali…
D.C. Code § 31-2231.06 Boycott, coercion, and intimidation
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No person shall enter into an agreement to commit, or by a concerted action commit, an act of boycott, coercion, or intimidation resulting in, or tending to result in, unreasonable restraint of, or monopoly in, the business of insurance.
D.C. Code § 31-2231.07 Illegal dealing in premiums; excess charges for insurance
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(a) Subject to the acceptance of the risk by the insurer, no person shall willfully collect a premium or charge for insurance which is not then provided, or is not in due course to be provided, by an insurance policy issued by an insurer. (b) No person shall willfully collect as …
D.C. Code § 31-2231.08 False statements and entries
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(a) No person shall knowingly file with an insurance regulatory or other public official, knowingly make, publish, disseminate, circulate, or deliver to a person, or place before the public, or knowingly cause directly or indirectly to be made, published, disseminated, circulated…
D.C. Code § 31-2231.09 Stock operations and advisory board contracts
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No person, as an inducement to purchase insurance, shall issue or deliver, or permit its agents, officers, or employees to issue or deliver: (1) Agency company stock or other capital stock, benefit certificates, or shares in a common law corporation; (2) Securities; or (3) A spec…
D.C. Code § 31-2231.10 Failure to maintain marketing and performance records
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No person shall fail to maintain its books, records, documents, and other business records in such order that data regarding complaints, claims, rating, underwriting, and marketing are not accessible and retrievable for examination by the Commissioner. Data for at least the curre…
D.C. Code § 31-2231.11 Unfair discrimination
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(a) No person shall commit or permit any unfair discrimination between individuals of the same class and equal expectation of life in the rates charged for a life insurance policy or contract, in the dividends or other benefits payable thereon, or in any other of the terms and co…
D.C. Code § 31-2231.12 Rebates: life, health, and annuities
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(a) No person shall knowingly: (1) Permit, or offer to make, a policy or contract of life insurance, annuity, or accident and health insurance, or agreement as to such policy or contract, other than as plainly expressed in the policy or contract issued thereon; or (2) Pay, allow,…
D.C. Code § 31-2231.13 Unfair discrimination and rebates prohibited; property, casualty, and surety insurance
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(a) No person offering property, casualty, or surety insurance, or an employee or representative thereof, shall pay, allow, or give, or offer to pay, allow, or give, directly or indirectly, as an inducement to insure, or after insurance has been effected, a rebate, discount, abat…
D.C. Code § 31-2231.14 Interlocking ownerships, management
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(a) An insurer may retain, invest in, or acquire the whole or any part of the capital stock of any other insurer, or have a common management with another insurer, unless the retention, investment, acquisition, or common management is inconsistent with another provision of law, o…
D.C. Code § 31-2231.15 Unfair financial planning practices; an insurance agent or broker
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(a) No person shall hold himself or herself out, directly or indirectly, to the public as a financial planner, investment adviser, consultant, financial counselor, or any other specialist engaged in the business of giving financial planning or advice relating to investments, insu…
D.C. Code § 31-2231.16 Failure to provide claims history
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(a) A property and casualty insurer shall provide the following loss information for the 3 previous policy years to the first named insured within 30 days of receipt of the first named insured’s written request: (1) On all claims, the date and description of occurrence, and the t…
D.C. Code § 31-2231.17 Unfair claim settlement practices
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(a) No person shall commit or perform with such frequency as to indicate a general business practice any of the following: (1) Knowingly misrepresent pertinent facts or insurance policy provisions relating to the claim at issue; (2) Refuse to pay a claim for a reason that is arbi…
D.C. Code § 31-2231.18 Failure to maintain complaint handling procedures
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An insurer shall maintain a complete record of all complaints which it has received since the date of its last examination as otherwise required in this chapter. The record shall indicate the total number of complaints, their classification by line of insurance, the nature of eac…
D.C. Code § 31-2231.19 Misrepresentation in insurance application
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(a) No person shall make false or fraudulent statements or representations on, or relative to, an application for an insurance policy for the purpose of obtaining a fee, commission, money, or other benefit from a provider or individual person. (b) No person shall cause to be pres…
D.C. Code § 31-2231.20 Favored agent or insurer; coercion of debtors
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(a) No person shall require, as a condition to the lending of money or extension of credit, or a renewal thereof, that the person to whom the money or credit is extended, or whose obligation a creditor is to acquire or finance, negotiate an insurance policy or renewal thereof thr…
D.C. Code § 31-2231.21 “Twisting” prohibited
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No person shall make or issue, or cause to be made or issued, a written or oral statement misrepresenting or making incomplete comparisons as to the terms, conditions, or benefits contained in a policy for the purpose of inducing or attempting or tending to induce the policyholde…
D.C. Code § 31-2231.22 Powers of the Commissioner; cease and desist orders
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(a) The Commissioner may examine and investigate the affairs of a person engaged in the business of insurance in the District of Columbia to determine whether the person has been or is engaged in an unfair trade practice, an unfair method of competition, or an unfair or deceptive…
D.C. Code § 31-2231.23 Hearings
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(a) Before the Commissioner takes an action under § 31-2231.22, the Commissioner shall provide the person alleged to have violated this chapter an opportunity for a hearing. (b) Notice of the hearing shall be given, and the hearing shall be held, in accordance with §§ 2-509 and 2…
D.C. Code § 31-2231.24 Judicial review
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If, after any hearing under § 31-2231.23, the Commissioner does not find a violation of this chapter, an aggrieved person may, within 60 days after the decision has been issued, or later in connection with § 31-2231.11(a), (b), or (b-1) upon a showing of good cause by a victim of…
D.C. Code § 31-2231.25 Regulations
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The Commissioner may, in accordance with § 2-505, promulgate reasonable rules, regulations, or orders as are necessary or appropriate to carry out and effectuate the provisions of this chapter.