Title 33 — Title 33
0 chapters · 1,218 sections in this title.
O.C.G.A. § 33-23-41 Liability and penalties for unauthorized acts
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Any person who in this state acts, purports to act, or holds himself or herself out as an agent, limited subagent, counselor, or adjuster or as an employee of an agent, limited subagent, counselor, or adjuster of or for an insurer that has not obtained from the Commissioner a cer…
O.C.G.A. § 33-23-42 Performing acts for unauthorized insurer
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Any person who performs any of the acts or things specified in this chapter for any insurance company or agent of said company without such company’s having first received a certificate of authority from the Commissioner as required by law shall be punished as for a misdemeanor and …
O.C.G.A. § 33-23-43 Authority of adjusters; penalty for violation
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(a) An adjuster licensed as both an independent and a public adjuster shall not represent both the insurer and the insured in the same transaction. (b) An adjuster shall have authority under his or her license only to investigate, settle, or adjust and report to his or her princi…
O.C.G.A. § 33-23-43.1 Requirements for public adjuster contracts
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(a) Public adjusters shall ensure that all contracts for their services are in writing, prominently captioned and titled ‘‘Public Adjuster Contract,’’ and contain the following: (1) Legible full name of the public adjuster signing the contract, as specified on the license issued b…
O.C.G.A. § 33-23-43.2 Standard of conduct for public adjusters
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(a) A public adjuster is obligated, under his or her license, to serve with objectivity and complete loyalty to the interest of his or her client alone and to render to the insured such information, counsel, and service within the public adjuster’s knowledge, understanding, and o…
O.C.G.A. § 33-23-44 Rules and regulations
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33-23-45. Limitation on applicability of article [Repealed]. 33-23-46. Compensation of licensed counselors; disclosure; exceptions. 33-23-101. 33-23-102. 33-23-103. 33-23-104. 33-23-105. plicability of Code Sections 33-24-59.5 and 33-24-59.14. Licensing of administrators; filing f…
O.C.G.A. § 33-23-45 Limitation on applicability of article
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Reserved. Repealed by Ga. L. 2019, p. 386, § 21/SB 133, effective July 1, 2019. Editor’s notes. — This Code section was based on Code 1981, § 33-23-45, enacted by Ga. L. 1992, p. 2830, § 1; Ga. L. 1997, p. 1296, § 12; Ga. L. 2001, p. 925, § 1. 33-23-46. Compensation of licensed c…
O.C.G.A. § 33-23-46 Compensation of licensed counselors; disclosure; exceptions
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(a) For purposes of this Code section, the term: (1) ‘‘Affiliate’’ means a person that controls, is controlled by, or is under common control with the producer. (2) ‘‘Compensation from an insurer or other third party’’ means payments, commissions, fees, awards, overrides, bonuses…
O.C.G.A. § 33-23-5 Qualifications and requirements for license
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(a) For the protection of the people of this state, the Commissioner shall not issue, continue, or permit to exist any license, except in compliance with this chapter and except as provided in Code Sections 33-23-3, 33-23-4, 33-23-12, 33-23-13, 33-23-14, 33-23-16, 33-23-17, 33-23…
O.C.G.A. § 33-23-5.1 Conviction data
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(a) As used in this Code section, the term ‘‘conviction data’’ means a record of a finding or verdict of guilty or plea of guilty or nolo contendere with regard to any crime regardless of whether an appeal of the conviction has been sought. (b) With respect to the requirements of …
O.C.G.A. § 33-23-6 Bond requirements for applicants for adjuster’s license
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In addition to other applicable provisions of this chapter, an applicant for a public adjuster’s license must have previously filed a bond as required by rule or regulation of the Commissioner. History. — Code 1981, § 33-23-6, enacted by Ga. L. 1992, p. 2830, § 1; Ga. L. 2001, p. …
O.C.G.A. § 33-23-7 Credit insurance, §33-23-12
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Criminal history checks, §33-23-5.1. Examination of applicant, §33-23-10. Canadian residents, §33-23-5. Exclusions from requirement, §33-23-4. Exemption from prelicensing education and examination requirement, §33-23-5. Fingerprint submission. Criminal history checks, §33-23-5.1.…
O.C.G.A. § 33-23-8 Form and contents of license application; fees
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(a) An individual applicant for any license required by this chapter shall file with the Commissioner an application upon forms prescribed by the Commissioner. (b) If the application is for an agent’s or limited subagent’s license, the application shall state the kinds of insuranc…
O.C.G.A. § 33-23-9 Study materials for applicants
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The rules and regulations of the Commissioner shall designate textbooks, manuals, and other materials to be studied by the applicant in preparation for examinations in each classification designated by the Commissioner. The textbooks, manuals, or other materials may consist of mat…
O.C.G.A. § 33-24-1 Definitions
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As used in this chapter, the term: 97 33-24-1 (1) ‘‘Policy’’ means the written contract of or written agreement for or effecting insurance. The term includes all clauses, riders, endorsements, and papers attached or issued and delivered for attachment to the contract or agreement…
O.C.G.A. § 33-24-10 Grounds for disapproval of forms
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The Commissioner shall disapprove any form filed under Code Section 33-24-9 or withdraw any previous approval of such form only: (1) If it is in any respect in violation of or does not comply with this title; (2) If it contains or incorporates by reference any inconsistent, ambigu…
O.C.G.A. § 33-24-10.1 Standard or uniform claim form
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The Commissioner is authorized to establish by rule or regulation a standard or uniform claim form to be supplied by insurers to their insureds for the purpose of filing claims under policies or contracts of accident and sickness insurance. The Commissioner shall file and maintain …
O.C.G.A. § 33-24-11 Surplus line insurance
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Delivery to insured, §33-5-27. Records of policies. Maintenance by broker, §33-5-28. Time for taking effect, §33-24-15. Unauthorized persons. Contracts issued or countersigned by, §33-23-40. Underwriters’ and combination policies. Issuance, §33-24-32. INSURANCE —Cont’d Policies —…
O.C.G.A. § 33-24-12 Nonrenewal
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Accident and sickness policies. Notice, §33-24-47.1. Automobile or motorcycle policies, §33-24-45. Property insurance, §33-24-46.
O.C.G.A. § 33-24-13 Execution of policies; use of facsimile signatures
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Every insurance policy shall be executed in the name of and on behalf of the insurer by its officer, attorney in fact, employee, or representative duly authorized by the insurer. A facsimile signature of any executing individual may be used in lieu of an original signature. Histo…
O.C.G.A. § 33-24-14 Definitions
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Applicability of chapter. Insurable interest; personal insurance. Insurable interest; property insurance. Persons having capacity to contract for insurance; purchase of insurance by or for minors; rescission, avoidance, or repudiation of contracts by minors. Consent of insured to…
O.C.G.A. § 33-24-15 When policies or contracts become effective
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A policy of insurance or an annuity or endowment contract shall run from midday of the date of the policy or contract; and the time shall be calculated accordingly if the policy or contract is to be in force for a specified period of time unless the hour and minute of attachment o…
O.C.G.A. § 33-24-16 Contents
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Required contents, §33-24-18. Credit life and accident and sickness insurance. Amount of insurance, §33-31-4. Contents, §33-31-7. Delivery, §33-31-7. Requirements generally, §33-31-6. Issuance, §33-31-3. Requirements generally, §33-31-6. Provisions required, §33-31-7. Declaration…
O.C.G.A. § 33-24-16.1 Clarification of term ‘‘actual charge’’ or ‘‘actual fee’’
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(a) The term ‘‘actual charge’’ or ‘‘actual fee,’’ when used in an individual or group specified disease insurance policy, shall mean the amount actually paid by or on behalf of an insured person and accepted as full payment by a health care provider or other designated person for …
O.C.G.A. § 33-24-17 Assignment of policies
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A policy may be assignable or not assignable, as provided by its terms. Subject to its terms relating to assignability, any life or accident and sickness policy issued under the terms of which the beneficiary may be changed upon the sole request of the policy owner may be assigned…
O.C.G.A. § 33-24-19 Incorporation of constituent documents in policies
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No policy shall contain any provisions purporting to make any portion of the charter, bylaws, or other constituent document of the insurer a part of the contract unless the portion is set forth in full in the policy. Any policy provision in violation of this Code section shall be…
O.C.G.A. § 33-24-2 Applicability of chapter
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This chapter applies to all insurance policies and to annuities and pure endowment contracts as defined in Code Section 33-28-1 except: (1) Reinsurance; (2) Policies or contracts not issued for delivery in this state or delivered in this state, except as provided in subsection (e)…
O.C.G.A. § 33-24-20 Foreign or alien insurers
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Delivery of policies within state by foreign or alien insurers, §33-29-12. INSURANCE —Cont’d Policies —Cont’d Accident and sickness insurance —Cont’d Foreign states or countries. Delivery of policies of domestic insurers, §33-29-12. Franchise insurance. Issuance of policies, §33-…
O.C.G.A. § 33-24-21 SYNDICATES
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Corporations. Person defined, §33-1-2. Partnership. Buyouts or mergers, §33-13-3. 1305 INDEX TERMINALLY ILL PERSONS —Cont’d Life settlements act, §§33-59-1 to 33-59-17. T TACHYCARDIA. Insurance coverage of outpatient surgery. Medical emergency defined as including, §33-24-28.2. THE…
O.C.G.A. § 33-24-21.1 Indemnity payable amount, §33-31-4
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Issuance of policy or certificate of insurance, §33-31-7. Policy issuance generally, §33-31-3. Requirements generally, §33-31-6. Payment of claims. Generally, §33-31-10. Penalties for violations, §33-31-12. Premiums, §33-31-9. Refunds and credits. Premiums, §33-31-9. Required poli…
O.C.G.A. § 33-24-21.2 AGENTS
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Fraternal benefit societies. Licenses, §33-15-107. Insurance private review agents, §§33-46-1 to 33-46-14. ALARMS. Car alarms. Warranties for vehicle protection products, §§33-34A-1 to 33-34A-12. ALBUTEROL. Health insurance. Coverage for prescription inhalers, §33-24-59.8. AMBULAN…
O.C.G.A. § 33-24-22 Newly born children
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Provision for coverage, §33-24-22. Hospital expense insurance. Dependent children. Termination of coverage upon attainment of specified age, §33-24-28. Incorporation of charters and bylaws in policies, §33-24-19. Indorsements. Construction of policies, §33-24-16. Renewal or extens…
O.C.G.A. § 33-24-24 Mammogram
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Group or blanket accident and sickness insurance, §33-30-4.2. Individual accident and sickness insurance, §33-29-3.2. Managed care contractor, §33-20A-3. Managed care entity. Managed health care plans, §33-20A-3. 1138 INDEX DEFINED TERMS —Cont’d Managed care organization. Managed…
O.C.G.A. § 33-24-26 Pregnancy
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Provisions for coverage of complications of pregnancy, §33-24-24. Proceeds.
O.C.G.A. § 33-24-26.1 Long-term care insurance
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Preexisting condition defined, §33-42-6. PREFERRED PROVIDER ARRANGEMENTS ACT. Health insurance, §§33-30-20 to 33-30-27. Short title, §33-30-20.
O.C.G.A. § 33-24-27 Surgical or medical services
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Provisions in policies, §33-30-7. Surviving spouse. Issuance of individual policy to spouse, §33-24-21. Termination of coverage, §33-24-21. Group life insurance, §§33-27-1 to 33-27-9. Assignment of incidents of ownership, §33-27-6. INSURANCE —Cont’d Policies —Cont’d Group life in…
O.C.G.A. § 33-24-27.1 Pharmaceutical services
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Mail-order pharmaceutical distributors. Pharmacy benefits managers, administration of claims, §33-64-10. Utilization, §33-30-4.3. Pregnancy. Provisions for coverage of complications of pregnancy, §33-24-24. Proceeds.
O.C.G.A. § 33-24-27.2 ATTACHMENT
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Annuity, reversionary annuity or pure endowment contracts. Proceeds exempt, §33-28-7. Exemption. Annuity, reversionary annuity or pure endowment contracts. Proceeds, §33-28-7. Life insurance policies and annuity contracts. Cash surrender value and proceeds, §33-25-11. Fraternal b…
O.C.G.A. § 33-24-28 Misrepresentation
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Effect upon recovery, §33-24-7. Motor vehicle accident insurance. Cancellation, §33-24-45. Procedure, §33-24-45. Continuation of coverage. Death of named insured or termination of marital relationship, §33-34-7. Death of named insured. Continuation of coverage, §33-34-7. Discover…
O.C.G.A. § 33-24-28.1 Coverage of treatment of mental disorders
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(a) As used in this Code section, the term: (1) ‘‘Accident and sickness insurance benefit plan, policy, or contract’’ means: (A) An individual accident and sickness insurance policy or contract, as defined in Chapter 29 of this title; or (B) Any similar individual accident and sick…
O.C.G.A. § 33-24-28.2 Coverage of outpatient surgery
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(a) As used in this Code section, the term: (1) ‘‘Anesthetic’’ means an agent that produces insensibility to pain or touch. According to their action, such anesthetics are subdivided into the categories of general and local anesthetics. (2) ‘‘Charges for facility services’’ means…
O.C.G.A. § 33-24-28.3 Anesthesia
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General anesthesia for certain dental care. Coverage, §33-24-28.4. Applicability of individual insurance provisions, §33-30-11. Applicability of provisions, §33-30-1.1. Assistance-eligible individuals. Continuation of coverage, §33-24-21.1. Defined, §33-24-21.1. 1170 INDEX HEALTH …
O.C.G.A. § 33-24-28.4 ANNUITIES
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Annuity and pure endowment contracts, §§33-28-1 to 33-28-7. Attachment, garnishment or legal process. Proceeds exempt from, §33-28-7. Contesting of contract after reinstatement, §33-28-5. Definitions, §33-28-1. Exemption from attachment, garnishment or legal process. Proceeds, §33…
O.C.G.A. § 33-24-29.1 Morbidly obese patients
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Coverage for treatment, §33-24-59.7. Notices. Premium increase notices to be mailed or delivered to group policy holder, §33-30-13. Obesity. Coverage for treatment of morbidly obese patients, §33-24-59.7. Optometrists’ services. Reimbursement, §33-24-27.1. Outpatient surgery. Cov…
O.C.G.A. § 33-24-3 Insurable interest; personal insurance
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(a) An insurable interest, with reference to personal insurance, is an interest based upon a reasonable expectation of pecuniary advantage through the continued life, health, or bodily safety of another person and consequent loss by reason of such person’s death or disability or …
O.C.G.A. § 33-24-31 COSTS
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Farmers’ mutual fire insurance companies. Examinations of companies by commissioner, §33-16-19. Exemption from costs and fees listed in general insurance law, §33-16-20. Fraternal benefit societies.
O.C.G.A. § 33-24-32 Underwriters’ and combination policies
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(a) Two or more authorized insurers may jointly issue and shall be jointly and severally liable on an underwriters’ policy bearing their names. Any one insurer may issue policies in the name of an underwriter’s department and the policy shall plainly show the true name of the ins…
O.C.G.A. § 33-24-33 Binders and other contracts for temporary insurance
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(a) Binders or other contracts for temporary insurance may be made orally or in writing and shall be deemed to include all the usual terms of the policy as to which the binder was given together with any applicable endorsements that are designated in the binder, except as superse…
O.C.G.A. § 33-24-34 WAITING PERIODS
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Insurance. Company sale, §33-13-3.1. Spousal coverage. Termination, §§33-24-20, 33-24-21. WAIVER. Guaranteed asset protection waivers, §§33-63-1 to 33-63-9. Health insurance. Early prescription refills during emergencies. Waiver of time limitations, §33-24-59.28. Insurance.
O.C.G.A. § 33-24-35 Withdrawal or retirement from group insurance plan
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Participation in group insurance by employees shall be entirely voluntary on the part of each employee at all times. Any employee, upon any payday, may withdraw or retire from such group plan upon giving his employer written notice of his intention to do so and directing the disc…