Department of Insurance

This Regulation shall become effective immediately upon filing with the Office of the Secretary of State. Notes 19 Miss. Code. R. 3-9.06 Miss Code Ann § 25-43-3.113 (Rev. 2010)

Appendix A- Comprehensive Health Insurance Risk Pool Association Notice Form Notes 19 Miss. Code. R. 3-9.07

TO: ALL COMPANIES WRITING AUTOMOBILE CLUB SERVICE CONTRACTS PURSUANT TO THE PROVISIONS OF SECTIONS 83-11-201 THROUGH 83-11-247 OF THE MISSISSIPPI CODE OF 1972, ANNOTATED. WHEREAS, it has come to the attention of the Department of Insurance and the Commissioner of Insurance that c…

This Regulation is promulgated by the Commissioner of Insurance pursuant to the authority granted to him by Miss. Code Ann. § 83-5-1 and Miss. Code Ann. § 83-11-102 as enacted in the 2002 Regular Session of the Mississippi Legislature, and amended by House Bill 545, 2013 Regular …

The purpose of this Regulation is to provide a form for insurers to use in the course of the sale or issuance of multi-vehicle, non stacking uninsured motorist insurance coverage which informs the named insured or applicant of the limitation on stacking imposed and that such cove…

Insurers may offer multi-vehicle, non-stacking uninsured motorist insurance coverage to an insured in an automobile liability policy that covers four (4) or more vehicles. Insurers must offer uninsured motorist insurance that would cover bodily injury and property damage with lim…

A disclosure document containing the disclosures required in Miss. Code Ann. § 83-11-102 and this regulation shall be provided in the course of the sale or issuance of non-stacking uninsured motorist coverage. Said disclosure document shall be in the form of the disclosure listed…

If any provision of any section of this Regulation or the application thereof is held by a court to be invalid, such invalidity shall not affect any other provision of that section or application of the Regulation which can be given effect without the invalid provision or applica…

The Effective Date of this Regulation shall be July 1, 2013. Notes 19 Miss. Code. R. 4-2.06 House Bill 545, 2013 Regular Session; Miss. Code Ann. § 25-43-3.113 (Rev. 2010)

THIS FORM TO BE USED WHEN INSURED SELECTS NON-STACKING UM COVERAGE MISSISSIPPI NON-STACKING UNINSURED MOTORIST INSURANCE Miss. Code Ann. § 83-11-102 provides for an optional Non-stacking Uninsured Motorist Coverage available to an insured under an auto liability policy that cover…

The purposes of the Plan are to make automobile bodily injury, property damage, and medical payment liability insurance available to vehicles registered with the Mississippi Division of Motor Vehicles, subject to the conditions hereinafter stated and in the Mississippi Plan of Op…

The Plan became effective in February of 1949 when all companies licensed to write direct automobile bodily injury liability insurance in the state have subscribed thereto. The requirements in this Regulation shall become effective upon adoption. No company which is licensed to w…

A. Except as may be otherwise provided, the Plan shall be available to residents and nonresidents of the state only with respect to automobiles that are registered in the state, except that non-residents who are members of the United States military forces shall be eligible with …

The Plan shall be administered by a Governing Committee and a Manager. The Governing Committee (hereinafter referred to as "the Committee") must be approved by the Commissioner of Insurance and shall consist of nine voting members, who are Plan Subscriber Companies, two non-votin…

The Committee shall meet as often as may be required to perform the general duties of administration of the Plan. A majority of the filled voting members' seats of the Committee shall constitute a quorum. The Committee shall be empowered to appoint a Manager, budget expenses, lev…

A. The Plan shall establish a procedure to perform all such policy holder and claim handling services as may be necessary to administer the PAIP. B. The Plan shall distribute CAIP applications to the CAIP servicing carriers for servicing of eligible risks. C. Company groups under…

Each company subscribing to the Plan shall pay a minimum annual fee and assessments as provided in the Plan of Operation, each for liability and for physical damage insurance. Notes 19 Miss. Code. R. 4-3.07 Miss. Code Ann. § 63-15-65 (Rev. 2004). Amended 4/9/2018 Amended 5/13/202…

A. To be eligible for bodily injury, property damage, medical payments, and physical damage coverage's, the applicant must meet the following criteria:1. As a prerequisite to consideration for coverage through the Plan, an applicant must certify, in the prescribed application for…

A. The Plan or CAIP servicing carrier shall be required to write a policy or binder at a minimum for the limits in the Financial Responsibility law of the State. B. Notwithstanding paragraph A, upon request of any applicant, the Plan or CAIP servicing carrier shall provide limits…

The application for insurance under the Plan must be submitted to the Plan on a prescribed form accompanied by the appropriate premium as specified in the Plan of Operation. If the applicant is ineligible for coverage, the deposit shall be returned. No coverage will be in effect …

Upon receipt of the application for insurance properly completed and the deposit specified in the Plan of Operation, and if the application form shows that the applicant is eligible for coverage, the Plan shall so advise the applicant and producer of record and shall state in suc…

The Plan or CAIP servicing carrier shall write the applicant for a period of three consecutive years, except in the event a financial responsibility filing is required, the Plan or CAIP servicing carrier shall carry the risk for the period of Financial Responsibility Filing, but …

For private passenger risks and risks serviced by a CAIP servicing carrier, issuance of the original or renewal policy and the making of Financial Responsibility filings shall all be done in accordance with the applicable provisions of the Plan of Operation or Plan Manual. Notes …

Notes 19 Miss. Code. R. 4-3.14 Miss. Code Ann. § 63-15-65 (Rev. 2004). Amended 4/9/2018 Amended 5/13/2022

A. 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 AIPSO and approved by the Mississippi Department of Insurance. The rate applicable to any risk …

A. Personal Auto Policy Coverage for private passenger automobiles, as defined in the Plan of Operation and Plan Manual, which have four wheels and are owned or hired under a long-term contract by an individual or by husband and wife who are residents in the same household and wr…

A. Cancellation at Request of Insured. If for any reason the insured requests a cancellation, the Plan or CAIP servicing carrier shall retain the earned premium for the period of coverage and 10% of the pro rata unearned policy premium, or the minimum policy premium as contained …

The Committee may hear any appeal from an applicant, insured, producer, or insurer 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 statement t…

An applicant denied insurance under the Plan or cancelled by the Plan or CAIP servicing carrier may reapply to the Plan as provided in the Plan of Operation. Notes 19 Miss. Code. R. 4-3.18 Miss. Code Ann. § 63-15-65 (Rev. 2004). Amended 4/9/2018 Amended 5/13/2022

Unless other arrangements have been made with the Insurance Department the compensation under the Plan shall be a percentage as provided in the Plan of Operation. On any risk rated and domiciled outside of this state, the licensed producer may be paid only that portion of the pro…

Subject to the approval of the Commissioner of Insurance, the Plan may be amended by the Committee by a majority vote taken at a Committee meeting or teleconference or by mail vote. In the event a mail vote is conducted, the mail ballot containing any proposed amendment shall be …

If any provision of this regulation or its application to any person or circumstance is for any reason held to be invalid by any court of law, the remainder of the regulation and its application to other persons or circumstances shall not be affected. Notes 19 Miss. Code. R. 4-3.…

The Commissioner or any of his appointed examiners may conduct an examination of the Plan under the procedures set forth under Miss. Code Ann. § 83-5-201, et. seq. (as amended) as often as the Commissioner, in his or her sole discretion, deems appropriate. The cost of such examin…

A. This regulation is adopted and promulgated pursuant to the authority granted by Miss. Code Ann. § 83-65-101, et seq. (Rev. 2011), Regulation of Vehicle Service Contracts, and in accordance with the provisions of The Mississippi Administrative Procedures Law, Miss. Code Ann. § …

A. This regulation shall apply to all entities, individuals, and persons engaged in the selling and marketing of vehicle service contracts as defined in Miss. Code Ann. § 83-65-103. However, in accordance with Miss. Code Ann. § 83-65-101, this regulation shall not apply to motor …

Except for the filing requirements in Miss. Code Ann. § 83-65-101, et seq., providers, sellers, and other persons marketing, selling, or offering to sell vehicle service contracts are exempt from any licensing or registration requirements of Title 83 of the Mississippi Code. Note…

A. Cancellation by Service Contract Holder 1. Cancellation by a Service Contract Holder shall require the Service Contract Provider to permit the Service Contract Holder to return the vehicle service contract within twenty (20) days of the date the vehicle service contract was ma…

If any section or portion of a section of this regulation, or the application thereof to any person or circumstance, is held to be invalid by a court of competent jurisdiction, such determination shall not affect any other provision or application of this regulation which can be …

This Regulation shall become effective thirty (30) days after filing in the Office of the Secretary of State. Notes 19 Miss. Code. R. 4-4.06 Miss Code Ann. §§ 83-65-101, et seq. and 25-43.3.113 (Rev. 2011). Adopted 8/16/2017

WHEREAS, under date if July 15, 1960, the Commissioner of Insurance requested all fire and casualty insurance companies to notify their agents that failure by an agent to remit premiums due a company when such premiums had been collected from an insured would subject such agent t…

A. The Mississippi Insurance Commission meets regularly on the 3rd Friday of each month for the purpose of carrying out their duties in the regulation of rates, rules, and forms for fire, casualty and inland marine insurance. Filings to be considered should contain all informatio…

The Mississippi Fire Rating Law requires that all stock fire insurance companies doing business in this state be members of the Mississippi State Rating Bureau. Non-stock companies may subscribe. Information relative to membership or subscribership should be obtained from Mr. C. …

The Mississippi Casualty Rating Law follows substantially the Commissioners' prior-approval-type bill and applies to all casualty lines including all forms of motor vehicle insurance except: "Re-insurance; title insurance, credit insurance; accident and health insurance; or insur…

A. Marine and /or transportation policies may cover under the following conditions: 1. Imports. Imports may be covered wherever the property may be and without restriction as to time, provided the coverage of the issuing companies includes hazards of transportation. An import, as…

For Casualty lines only, companies who are not members of a licensed rating organization may become "Reference Filers" in Mississippi. Forms to accomplish this will be submitted to licensed companies requesting same and contain the following language. A. Reference Filing Procedur…

A. Fire.1. Members or Subscribers of the Mississippi State Rating Bureau desiring to deviate from approved rates of the said bureau may have their request considered by completing in detail the forms furnished by the Commission with carbon copy to the Bureau. 2. Deviations are ap…

An Act to provide that no automobile liability insurance policy shall be issued unless coverage is provided therein for the protection of the insured against loss caused by an uninsured vehicle; to provide the procedure connected therewith; and for related purposes. Be it enacted…