Georgia Administrative Code

1. No advertisement shall omit information or use words, phrases, statements, references or illustrations if the omission of such information or use of such words, phrases, statements, references or illustrations has the capacity, tendency or effect of misleading or deceiving pur…

1. Exceptions, reductions and limitations shall be prominently and conspicuously displayed in the same style type and in a type size equal to, or larger than, that used to describe the benefits. Furthermore, a multi-color scheme shall not be used in such a manner as to render suc…

1. An advertisement which is subject to the requirements of these Rules shall, in negative terms, clearly, prominently and conspicuously disclose the extent to which any loss is not covered if the cause of such loss is traceable to a physical condition, injury or disease existing…

1. Any advertisement of a policy or plan of benefits contained therein must not imply that the policy or plan is guaranteed renewable at the discretion of the insured unless the renewability of such policy or plan of benefits is, in fact, guaranteed. 2. Any advertisement which re…

1. Testimonials used in advertisements must be genuine, represent the current opinion of the author, be applicable to the policy advertised, and be accurately reproduced. The insurer, in using a testimonial, makes as its own all of the statements contained therein, and the advert…

1. Any advertisement relating to the dollar amounts of claims paid, the number of persons insured, or similar statistical information relating to any insurer or policy, must not contain irrelevant facts and must not be used unless it accurately reflects all of the relevant facts.…

1. When a choice of the amount of benefits is referred to, an advertisement shall disclose that the amount of benefits provided depends upon the plan selected and that the premium will vary with the amount of the benefits selected. 2. An advertisement listing the benefits of two …

An advertisement shall not directly or indirectly make unfair or incomplete comparisons of policies or benefits, or comparisons of non-comparable policies of other insurers, and shall not disparage competitors, their policies, services, or business methods, and shall not disparag…

1. An advertisement which is intended to be seen or heard beyond the limits of the jurisdiction in which the insurer is licensed shall not imply licensing beyond those limits. 2. An advertisement shall not create the impression directly or indirectly that the insurer, its financi…

1. The name of the actual insurer advertised shall be properly identified and prominently, clearly and conspicuously displayed in all of its advertisements. An advertisement shall not refer to the parent company of the insurer without clearly disclosing that it is a separate lega…

An advertisement of a particular plan or policy of insurance shall not state or imply that prospective insureds become "group" or "quasi-group" members covered under a group policy, and as such enjoy special rates or underwriting privileges, unless such is the fact.

1. (a) An advertisement of an individual policy shall not directly or by implication represent that a contract or combination of contracts is an introductory, initial, or special offer, or that applicants will receive substantial advantages not available at a later date, or that …

An advertisement shall not contain statements which are untrue in fact, or by implication misleading, with respect to the assets, corporate structure, financial standing, age, or relative position of the insurer in the insurance business. An advertisement shall not contain a reco…

1. All advertisements, regardless of by whom written, created or designed, shall be the responsibility of the insurer sponsoring the same. Every insurer shall at all times maintain complete control over the content, form and method of dissemination of all advertisements of its co…

If any Section or portion of a Section of this Regulation, or the applicability thereof to any person or circumstance is held invalid by a Court, the remainder of the Rules, or the applicability of such provision to other persons or circumstances, shall not be affected thereby.

Any insurer, agent, representative, officer, or employee of such insurer failing to comply with the requirements of this Regulation shall be subject to such penalties as may be appropriate under the Insurance Laws of the State of Georgia.

This Regulation shall become effective July 1, 1973.

It is hereby ordered that on and after July 1, 1955 any and all insurance companies writing Life and/or Health and Accident or Hospitalization Insurance in connection with loans made under the Georgia Industrial Loan Act shall place in a reserve account created and carried on the…

It is further ordered that such funds as placed in said "claims account" shall be used for no other purpose other than the payment of benefits accruing under such policy or policies as issued in connection with loans made under the Georgia Industrial Loan Act.

In the event any insurance company writing Life and/or Health and Accident or Hospitalization Insurance in connection with loans made under the Georgia Industrial Loan Act shall reinsure its liability under such policies, such direct writing company shall, notwithstanding such re…

This Regulation is made and promulgated by the Commissioner of Insurance pursuant to the authority set forth in O.C.G.A. Sections 33-2-9 and 40-9-100.

The purpose of this Regulation is: (1) to authorize an Automobile Insurance Plan to make automobile insurance, including garage liability insurance. Available to applicants who are in good faith entitled to but are unable to procure policies for such insurance through ordinary me…

(1) "Applicant" means a person making applications for automobile insurance under this Plan. (2) "Automobile" means a vehicle required to be registered under the laws of this State relating to motor vehicles designed primarily for operation upon the public streets, roads and high…

(1) The Plan shall be administered by a Governing Committee and Manager. The Committee may consist of twelve (12) representatives. Eight (8) representatives will be elected from among Plan subscriber companies, from each of the following classes of companies: two (2) from Georgia…

(1) The Committee shall meet at least twice per year and as often as may be required to perform the duties of administration of the Plan. The Committee will be empowered and shall appoint a manager, budget expenses, levy assessments, disburse funds and perform all duties essentia…

The Committee shall address and include the following items listed in this Rule as integral parts of the Plan: (1) Premiums, losses, costs, and expenses shall be equitably apportioned among all subscribers in proportion to each subscriber's percentage of automobile liability insu…

(1) Each subscriber shall pay a minimum annual fee of $25.00 and a Plan Fee of $25 and the basis used for distribution of risks under Distribution and Assignments of Applicants section of the approved Plan shall be used as the basis of apportionment of all expenses incurred in ex…

(1) The Committee may hear any appeal from an applicant, insured, producer or company on a matter pertaining to the proper administration of the Plan. Each notice of cancellation or denial of insurance under the provisions of the Plan shall contain or be accompanied by a statemen…

(1) All risks placed through the Plan shall be subject to the rules, rates, surcharges, minimum premiums and classifications filed on behalf of all companies subscribing to this Plan by the Automobile Insurance Plans Service Office. (2) For the purpose of such filings, each compa…

(1) Statistical agents for the Plan may be established upon approval by the Commissioner, who shall issue an Order authorizing the entity to act as a statistical agent within the State of Georgia. Such statistical agent must be properly licensed and otherwise comply with the Geor…

As a condition to continuing to transact insurance in the State of Georgia, every insurer participating in the Plan shall provide to the authorized statistical agent, either directly or indirectly, all statistics, data and other relevant information necessary to effectuate the eq…

Any person aggrieved by any act, threatened act, or failure of the Commissioner to act under this Chapter may make written demand for a hearing in accordance with O.C.G.A. Chapter 33-2.

(1) Unless other arrangements have been made with the Commissioner, the commission under the Plan shall be as follows in paragraphs (2) through (5). (2) For long haul trucking risks and public passenger carrying vehicles other than church and school buses, five (5%) percent of th…

(1) The Plan shall pay on behalf of any individual or subscriber all sums which the individual or subscriber shall become legally obligated to pay as a result of or in connection with the performance of official duties as an officer, employee or representative on any committee of…

Any subscriber failing to comply with the requirements of this Regulation shall be subject to such penalties as prescribed in O.C.G.A. Chapters 33-2 and 33-3.