Mississippi Administrative Code

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…

The purpose of this Regulation is to set forth a requirement that all property and casualty insurers who sell personal lines residential property insurance coverage ("homeowners") and/or residential windstorm property coverage ("windstorm") shall provide written notice to the pol…

This Regulation is promulgated by the Commissioner of Insurance pursuant to the authority granted to him by Miss. Code Ann. §§ 83-5-1; 83-5-29 through 83-5-51, as well as the provisions of Mississippi Department of Insurance Regulation No. 88-101, said regulation being the Rules …

This Regulation shall apply to all insurers selling homeowners and/or windstorm residential property coverage insurance policies in the State of Mississippi. Notes 19 Miss. Code. R. 5-3.03 Miss. Code Ann.§§ 83-5-1; 83-5-29 through 83-5-51 (Rev. 2011)

A. "Insurer" means those companies subject to the jurisdiction of the Department as provided inMiss. Code Ann. § 83-5-1 (Rev. 1999), and which provide personal residential property insurance coverage in the State of Mississippi. The term insurer shall include eligible non-admitte…

A. An insurer shall, after January 1, 2007, provide at the time of issuance and thereafter at each time of renewal a notice that provides a statement that said policy contains a flood and/or earthquake exclusion. The notice shall be provided to the policyholder along with the ins…

No later than January 1, 2007, each insurer shall clearly provide within the main Declarations Page(s) of each policy, or attached to the Declarations Page(s), a statement in 10-point print that informs the policyholder that the policy contains a flood and/or earthquake exclusion…

Failure of an insurer writing homeowners and/or windstorm coverage in this State to comply with a material provision of this regulation shall be considered a violation of Miss. Code Ann. § 83-5-17 and §§ 83-5-29 through 83-5-51 (Rev. 1999), but does not change the coverage select…

Nothing stated or required in this Regulation is intended to change any insurance coverage selected and paid for by the policyholder and does not in any way operate to expand coverage beyond the terms of the insurance policy. Notes 19 Miss. Code. R. 5-3.08 Miss. Code Ann.§§ 83-5-…

If any section or portion of a 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 …

The effective date of this Regulation shall be thirty (30) days after filing with the Secretary of State's Office. Notes 19 Miss. Code. R. 5-3.10 Miss. Code Ann.§ 25-43-3.113 (Rev 2010)

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These Articles shall be effective April 15, 2007. Pursuant to the authority granted in Section 71-3-111, Mississippi Code of 1972, as amended, and Regulations promulgated thereunder, I George Dale, in my capacity as Commissioner of Insurance of the State of Mississippi do hereby …

The purpose of this Regulation is to clarify and set out the basic responsibilities of insurance companies ("insurers") and insurance producers ("producers") as to the extension or restriction of property and casualty insurance commercial lines coverages by the use of a binder, c…

This Regulation is promulgated by the Commissioner of Insurance pursuant to the authority granted to him by Miss. Code Ann.33 83-5-17; 83-5-29 through 83-5-51; and 83-17-1 through 83-17-89 (Rev. 2001), as well as the provisions of Mississippi Department of Insurance Regulation No…

This Regulation shall apply to all insurers writing property and casualty commercial lines insurance policies in the State of Mississippi, and all producers selling property and casualty commercial lines insurance policies in the State of Mississippi. Notes 19 Miss. Code. R. 5-5.…

A. No insurer or producer may issue a binder, certificate of insurance, indemnity agreement or any other similar type of instrument which either affirmatively or negatively amends, extends or alters the coverage provided by its approved issued forms and endorsements. B. Each insu…

All insurers and producers shall comply with the provisions of this Regulation by October 1, 2009. Notes 19 Miss. Code. R. 5-5.05 Miss. Code Ann. §§ 83-5-1; 83-17-87 (Rev. 2011)

Failure of an insurance producer to comply with a material provision of this regulation is considered a violation of Miss. Code Ann.§ 83-17-71(1)(b)(Rev. 2001). Violation of said statute may subject the insurance producer to the suspension or revocation of the insurance producer'…

If any section or portion of a 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 …

The Effective Date of this Regulation shall be thirty (30) days from filing for final adoption with the Secretary of State. Done this the ______ th day of March, 2009. Notes 19 Miss. Code. R. 5-5.08 Miss. Code Ann. § 25-43-3-113 (Rev. 2010)

During the 2023 Regular Legislative Session, the Mississippi Legislature passed Senate Bill 2228, which creates a regulatory framework for the sale, issuance and renewals of pet insurance policies, (hereinafter "Act"). Section 5 of the Act gives the Commissioner the authority to …

If a pet insurer uses any of the terms in this Regulation in a policy of pet insurance, the pet insurer shall use the definition of each of those terms as set forth herein and include the definition of the term(s) in the policy. The pet insurer shall also make the definition avai…