FORM AND CONTENTS OF INSURANCE POLICIES
58-11-1 Premium defined.
58-11-2 Contents of policy.
58-11-3 Statement of basis and rates for determination of premium included in policy.
58-11-4 Contents of policy--Exemption of surety contracts or group insurance policies.
58-11-5 Standard or uniform provisions of insurance contracts--Waiver of required use by director.
58-11-6 Policy not to contain provisions inconsistent with standard or uniform provisions--Substitute provision, approval by director.
58-11-7 Substitute provisions required by law of domicile of foreign or alien insurer, approval by director.
58-11-8 Assessable policies--Special contents.
58-11-9 Motor vehicle insurance--Uninsured motorist and hit-and-run coverage--Amount of coverage--Uninsured motorist coverage not required for government owned vehicles.
58-11-9.1 Motor vehicle insured by insolvent liability insurer defined as uninsured--Rights of insurer making payment under uninsured motorist coverage.
58-11-9.2 Notice required when automobile policy does not include liability insurance.
58-11-9.3 Exclusion of named person or reduction of coverage in motor vehicle policy--Minimum liability coverage.
58-11-9.4 Underinsured motorist coverage to be available with liability policies--Limitation of coverage--Exception.
58-11-9.5 Payment to insured for portion of judgment not collected from underinsured motorist--Coverage limits.
58-11-9.6 Subrogation of insurer--Assignment of judgment--Liability issuer allowed to pay limits under policy.
58-11-9.7 Adding of insured's uninsured and underinsured motorist coverage limits prohibited--Exception.
58-11-9.8 Adding of uninsured motorist coverage limits for multiple vehicles prohibited.
58-11-9.9 Adding of underinsured motorist coverage limits for multiple vehicles prohibited.
58-11-9.10 Increase in automobile insurance premiums due to drug-related offenses prohibited.
58-11-9.11 Increase in automobile insurance premiums due to certain alcohol-related offenses by a minor prohibited.
58-11-10 Additional policy provisions--Approval of director.
58-11-11 Charter and bylaws, inclusion as part of contract of insurance--Subscriber's agreement or power of attorney of a reciprocal insurer as part of contract.
58-11-12 Policy forms--Filing with and approval by director--Group policy certificates filed for informational purposes.
58-11-13 Policies exempt from form provisions.
58-11-14 Continuation of use of prior filings until otherwise prescribed.
58-11-15 Order of director exempting insurance documents from requirements as to form.
58-11-16 Property, marine and transportation, casualty and surety insurance coverages--Filing of forms by rating organizations.
58-11-17 Time for filing of forms--Approval or disapproval by director.
58-11-18 Extension of time for approval or disapproval of filing by director--Notice to insurer--Approval at expiration of extended period.
58-11-19 Withdrawal of approval of form by director--Notice.
58-11-20 Order of director disapproving form or withdrawing previous approval--Detailed statement of grounds.
Grounds for disapproval of form or withdrawal of previous approval. 58-11-22
Identification of contracts issued and forms filed with director--Change in form. 58-11-23
Execution of policy by authorized representative of insurer. 58-11-24
Facsimile signature used on policy. 58-11-25
Unauthorized facsimile signature does not invalidate policy--Estoppel by issuance of surety bond with facsimile signature. 58-11-26
Underwriters' policy--Joint and several liability--True name of insurer. 58-11-27
Combination policy--Contents. 58-11-28
Underwriters' and combination policies provisions do not apply to cosurety obligations. 58-11-29
Binders or other contracts for temporary insurance--Terms--Fraudulent statement as misdemeanor. 58-11-30
Duration of binder. 58-11-31
Extension or renewal of binder--Approval of director. 58-11-32
Binder provisions do not apply to life or health insurance. 58-11-33
Delivery of policy--Payment of premium--Insured not meeting condition required by insurer. 58-11-34
Insurance of motor vehicle sales contracts, copy of policy delivered to vendee, mortgagor, or pledgor, contents--Inapplicable to inland marine floater policies. 58-11-35
Renewal or extension of policy at option of insurer. 58-11-36
Assignment of policies. 58-11-37
Policy not complying with statutory form--Validity--Construction. 58-11-38
Policy, rider, or endorsement containing condition, omission or provision not in compliance with requirements--Validity--Construction. 58-11-39
Construction of insurance contract--Terms and conditions--Modification by rider, endorsement, or application made part of policy. 58-11-40
Application for life or health insurance as evidence--Annuity contract--Copy made a part of policy--Inapplicable to industrial life policy. 58-11-41
Application for reinstatement or renewal of life or health insurance--Copy requested by insured--Effect of noncompliance by insurer. 58-11-42
Alteration of application for life or health insurance--Written consent of applicant--Insertions by insurer. 58-11-43
Application for insurance other than life or health--Use as evidence--Failure to furnish copy to insured. 58-11-44
Application for insurance or annuity--Statements by insured deemed representations--Omissions, concealment, and incorrect statements preventing recovery. 58-11-44.1
Unanswered questions no basis for denial of recovery unless insurer demanded answers. 58-11-44.2
Requests for information and actions based on applicant's failure to meet insurer's underwriting requirements permissible. 58-11-45
Cancellation and nonrenewal of automobile policy or coverage--Definition of terms. 58-11-45.1
Reporting agencies and persons listed with director. 58-11-45.2
Applicant for liability insurance not to be prejudiced by false reports. 58-11-45.3
Informant to be identified if insurance refused--Violation as misdemeanor. 58-11-46
Notice of cancellation of automobile policy--Reasons for cancellation. 58-11-47
Reasons for cancellation not applicable to automobile policy in effect less than sixty days--Application of notice provisions to policies. 58-11-48
Modification of automobile physical damage coverage not deemed cancellation. 58-11-49
Time for mailing or delivery of notice of cancellation of automobile policy--Provision for statement of reason for cancellation.
Request of insured for reason for cancellation. 58-11-51
Notice of nonrenewal of automobile policy--Time for notice--Exceptions to requirement for notice--Renewal not waiver of grounds for cancellation. 58-11-52
Proof of notice of cancellation or nonrenewal of automobile policy or coverage. 58-11-53
Notice of eligibility for assigned risk plan on cancellation or nonrenewal of automobile liability insurance. 58-11-54
Director or insurer not liable for statements as to reasons for cancellation or refusal of automobile coverage. 58-11-55
Discrimination in issuance or renewal of automobile insurance policy as misdemeanor--Exceptions. 58-11-55.1
Use of age or occupation in determining issuance or renewal of policies. 58-11-55.2
Applicability of § 58-11-55. 58-11-55.3
Promulgation of rules to prevent unfair discrimination. 58-11-56
Assigned risk plan for automobile liability insurance. 58-11-58
to 58-11-61. Repealed. 58-11-62
Notice of intent to cease marketing block of business--What constitutes cessation of marketing block of business. 58-11-63
Regulation of form and content of policies, policy forms, standards, and procedures for filings, cancellation, and nonrenewal of policies. 58-11-64
Definition of terms. 58-11-65
Carriers subject to filing requirements. 58-11-66
Filing and director approval required. 58-11-67
Filing requirements--Availability on internet. 58-11-68
Filer to indicate location of each requirement on policy form filing. 58-11-69
Approval or disapproval of filing--Review period. 58-11-70
Correction of deficiencies. 58-11-71
Review of resubmitted filing--Review period. 58-11-72
Resubmitted form not to be disapproved for reasons other than in initial disapproval--Exceptions. 58-11-73
Grossly inadequate filings. 58-11-74
Limitations on director's authority. 58-11-75
Application to existing approved policy forms. 58-11-76
Construction with other time periods. 58-11-77
Appeal of disapproval of rate or policy form filing.