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Selected Opinions of The Office of General Counsel For The Year of 2000

The selected opinions are listed in the table below in Opinion Number order.
There are three columns. The column headings are Opinion Number, Subject and Date Issued.
The Opinion Number represents the year, the month, and then the order posted. For example, in 06-04-15 the "06" represents 2006, the "04" represents April, and the "15" refers to the 15th opinion for April 2006. Opinions within a particular month are not necessarily in chronological order.
Each opinion title under Subject is a link to the actual opinion.
Date Issued is displayed in mm/dd/yyyy format.
You can 'jump" to a particular month using the month navigation link set after (below) this sentence.

Opinion Number	Subject	Date Issued
00-01-01	Entitlement to Renewal Commissions During Lapse in Agent's License	01/10/2000
00-01-02	No-Fault Burden of Proof	01/11/2000
00-01-03	Federal Crime Bill's Prohibition Against the Hiring by Insurers of Individuals With Felony Convictions	01/12/2000
00-01-04	Execution of Client Replacement Authorization Form under Regulation 60 in the Context of the Transfer of the Administrative Functions of a Section 457 Plan to a Different Insurance Carrier	01/14/2000
00-01-05	Circular Letter No. 7 (1999) and New Section 4228	01/18/2000
00-01-06	Filing Requirements for Unauthorized Insurer	01/24/2000
00-01-07	Licensing of ERISA-Covered Benefit Plan Administrator	01/26/2000
00-01-08	Regulation 68 Amendment	01/26/2000
00-01-09	Use of Declaration Page on Renewal of Insurance Policy	01/27/2000
00-01-10	Litigation Settlement Offer May Constitute an Improper Rebate/Inducement	01/28/2000

00-02-01	Use of Digital Technology in Adjusting Insurance	02/04/2000
00-02-02	Use of Internet for Sales and Marketing	02/09/2000
00-02-03	Insurance Agent's Internet Web Site	02/10/2000
00-02-04	Service Contract Providers and Risk Retention Groups	02/10/2000
00-02-05	Weather Financial Instruments (derivatives, hedges, etc.)	02/15/2000
00-02-06	Sale of Automobile Service Contracts via the Internet	02/16/2000
00-02-07	Salvage Vehicle Branding	02/16/2000
00-02-08	Commission Sharing Among Brokers	02/16/2000
00-02-09	Statutory Deposits and Non-New York Banks	02/24/2000
00-02-10	Prepaid Legal Services Plans	02/28/2000
00-02-11	Rebating, Insurance Law Section 2324	02/28/2000
00-02-12	Agent Licensing and Legal Services Insurance	02/28/2000
00-02-13	Title Branding Regulations	02/28/2000
00-02-14	Propriety of Advertisement Language Alluding to Potential Cost Savings for Insurance Purchased Directly From the Company	02/28/2000
00-02-15	Rebating and Not-for-Profit Organizations	02/28/2000

00-03-01	Assigned Risk Plan ("AIP")	03/03/2000
00-03-02	Office Consolidation	03/06/2000
00-03-03	Insurance Transactions Over The Internet	03/06/2000
00-03-04	Records Retention Requirements	03/06/2000
00-03-05	Delivery of certificates by product or system group policyholder	03/06/2000
00-03-06	Commission Reduction for Group Insurance Client	03/09/2000
00-03-07	Rebating and illegal inducement by agent	03/10/2000
00-03-08	Distribution of dividends, rebates, and refunds via the Internet	03/13/2000
00-03-09	Pilot Project for Electronic Alternatives For Reinsurance Contracts	03/15/2000
00-03-10	Endorsement in General Liability Umbrella Policy Circular Letter No. 6 (1994)	03/17/2000
00-03-11	Independent Adjuster Licensing for In House Claims Representative	03/17/2000
00-03-12	Advertising Charitable Contribution by Agent	03/17/2000
00-03-13	Insurer Adjusting Claims on Behalf of Another Insurer	03/19/2000
00-03-14	Treatment of Tax Preparer’s Warranty	03/28/2000
00-03-15	Accredited reinsurer and excess lines insurance	03/28/2000

00-04-01	Subsidy of premium under group health insurance plan	04/03/2000
00-04-02	Negotiated Reductions in Agent's Commissions	04/03/2000
00-04-03	Licensing of Reinsurers as Independent Adjusters	04/14/2000
00-04-04	Fraternal Society – Licensing Status	04/14/2000
00-04-05	Funding Agreement Securitizations	04/18/2000
00-04-06	Workers' Compensation Coverage, Definition of Reinsurance/Insurer	04/19/2000
00-04-07	Assessment Cooperative Insurers' Use of Loss-Free Credits	04/27/2000

00-05-01	Incentives for Auto Glass Windshield Repairs	05/05/2000
00-05-02	Co-operatives and Group Property/Casualty Insurance	05/05/2000
00-05-03	No-Fault Payments for Medical Transportation Services	05/08/2000
00-05-05	Supplemental Uninsured Motorist Insurance and Arbitration	05/10/2000
00-05-06	Form A Filing Under Article 15	05/10/2000
00-05-07	Posting of Collateral in Connection with Derivative Transactions	05/11/2000
00-05-08	Insurer's Obligations under Regulation 79	05/11/2000
00-05-09	Global Funding Agreement-Backed Securities: Payment of Expenses by the Insurer	05/11/2000
00-05-10	Re: Circular Letter 2000 Independent Adjusters - Administration of Dental Claims	05/05/2000
00-05-11	Consequence of Ban on Insurance License	05/18/2000
00-05-12	Independent Adjuster Licensing	05/24/2000
00-05-13	Financial Guaranty Insurance	05/30/2000
00-05-14	Indemnity Agreements Related to the Securitization of Funding Agreements	05/30/2000
00-05-15	The Transaction of Private Passenger Automobile and Homeowner's Insurance Business on the Internet	05/30/2000
00-05-16	Family Practice Clinic for Uninsureds	05/30/2000
00-05-17	New York State Gap Law, Maintenance and Similar Contracts, and Vendors Single Interest Insurance	05/30/2000

00-06-01	Non-Owner Occupied 1- 4 Family Dwellings	06/05/2000
00-06-02	Refunding Credit / Unearned Premium Reserve	06/08/2000
00-06-03	[Company E] Insurer's Life Insreance's General Agent Compensation Plan and N.Y. Ins. Law 4228 and 1509 (McKinney 1985 & Supp. 2000)	06/08/2000
00-06-04	Assignment of a Life Insurance Policy in connection with a Prepaid Funeral	06/08/2000
00-06-05	Life Insurer’s General Agent Compensation Plan and N.Y. Ins. Law 4228 and 1509 (McKinney 1985 & Supp. 2000)	06/08/2000
00-06-06	Cut-Through Endorsements and Insolvency	06/14/2000
00-06-07	Non-Renewal/Change of Tier – Two-for-One New Business Credits	06/14/2000
00-06-08	Credit Insurance Policy Issued to Financial Institution	06/16/2000
00-06-09	Automobile Certificates of Insurance	06/16/2000
00-06-10	Commercial liability policies, N.Y. Ins. Law 3426(d)(1) (McKinney Supp. 2000)	06/22/2000
00-06-11	XXX Insurance Reciprocal, Withdrawal of a Subscriber	06/28/2000

00-07-01	Unfair Claim Settlement Practices	07/06/2000
00-07-02	Article 77 ("The Life Insurance Company Guaranty Corporation of New York Act") and Long Term Care Insurance	07/10/2000
00-07-03	State Agencies’ and Municipalities’ Insurer Rating Requirements	07/11/2000
00-07-04	Insurance Company’s Records Retention Period	07/12/2000
00-07-05	Interest Charges on Old Money	07/13/2000
00-07-06	Effect of Conviction for Vehicular Manslaughter on Agent Licensing	07/14/2000
00-07-07	Internet Solicitation and Agent Licensing	07/14/2000
00-07-08	Supplemental Uninsured Motorist Endorsement ("SUM")	07/17/2000
00-07-09	Professional Liability Insurance and the Property/Casualty Security Fund	07/18/2000
00-07-10	Property/Casualty Security Funds	07/18/2000
00-07-11	Capitation Arrangements Involving Professional Corp	07/19/2000
00-07-12	Premium installment payment plans	07/19/2000
00-07-13	No-Fault Billing for Ambulette Services	07/21/2000
00-07-14	Motor Vehicle Law Enforcement Fee	07/21/2000
00-07-15	Insurer Sharing of Information	07/26/2000
00-07-16	Attorney Retainer Agreement	07/26/2000
00-07-17	Service Contract Program	07/26/2000
00-07-18	Insurance Premiums/Installment Payments	07/27/2000
00-07-19	Accidental Death & Dismemberment Insurance	07/27/2000
00-07-20	Banking Questions	07/31/2000

00-08-01	Applicability of FOIL exception for unwarranted invasion of personal privacy to a request for names of newly licensed insurance agents	08/01/2000
00-08-02	Record Retention by Agency	08/08/2000
00-08-03	Subrogation Information	08/08/2000
00-08-04	No Nonstandard Application Fees for Agent	08/08/2000
00-08-05	Warranties and Service Contracts	08/09/2000
00-08-06	Motor Vehicle Repossession Insurance	08/10/2000
00-08-07	Proposed Provisions for use in Reinsurance Contracts	08/10/2000
00-08-08	Policy cancellation and subsequent partial payment of premium	08/10/2000
00-08-09	Superintendent’s Authority Regarding Consumer Complaints	08/11/2000
00-08-10	Insurer’s Collection of Additional Premium After Policy Issuance	08/22/2000

00-09-01	Mechanical breakdown insurance	09/05/2000
00-09-02	Purchase of Customer Mailing Lists from Non-Licensees / Non-Resident Agent and Non-Resident Broker Solicitation	09/05/2000
00-09-03	Payroll Deduction of Insurance Premiums	09/06/2000
00-09-04	Acord Form and Certificates of Insurance	09/08/2000
00-09-05	Prearranged Funeral Program	09/15/2000
00-09-06	Group Accident & Health Insurance, N.Y. Ins. Law 4235(McKinney 1985 and Supp. 2000)	09/19/2000
00-09-07	Premiums Quoted "Net of Commission"	09/19/2000
00-09-08	Electronic Insurance Applications and Electronic Signatures	09/20/2000
00-09-09	Sale of Agent/Broker Business	09/21/2000
00-09-10	Repossession and Total Loss Coverage	09/22/2000
00-09-11	Payment of Insurance Premium by Credit Card on Internet or Telephone	09/25/2000
00-09-12	Domestic Partnership Registration	09/25/2000
00-09-13	Workers’ Compensation Law Election to Exclude Executive Officers from Coverage	09/29/2000

00-10-01	Regulation 64 and Disability Benefits	10/03/2000
00-10-02	Insurer’s Payment of Bonuses to Insurance Brokers and Agents	10/04/2000
00-10-03	Licensing Status for Sales Staff	10/13/2000
00-10-04	Credit Card Rebate Payment System	10/16/2000
00-10-05	Equipment reliability insurance	10/20/2000
00-10-06	Reinsurance Intermediary – Fiduciary Account	10/23/2000
00-10-07	Non-Admitted Reinsurance/Letters of Credit, Insurance Department Reg. No. 133 (11 NYCRR 79)	10/26/2000
00-10-08	Abstract Companies and Title Insurance Business	10/27/2000
00-10-09	Service contract reimbursement insurance issued by federal risk retention groups	10/30/2000
00-10-10	Advertising Gift Certificate by Agent	10/31/2000

00-11-01	Insurance agents as co-shareholders of a separate corporate insurance agent	11/03/2000
00-11-02	Divorce and Insurable Interest	11/06/2000
00-11-03	Merger of Independent Practice Associations ("IPA")	11/13/2000
00-11-04	Activities of Employees of Banks and Bank Agencies	11/20/2000
00-11-05	New York Taxation of Insurers	11/21/2000
00-11-06	Assignment of Health Insurance Benefits	11/21/2000
00-11-07	Multi-bank letters of credit	11/27/2000
00-11-08	Sales Illustrations, Regulation 60	11/08/2000

00-12-01	Property/Casualty Insurance Security Fund Insurance Law Article 76	12/01/2000
00-12-02	N.Y. Ins. Law 3425 Automobile Renewal and Cancellation Provisions	12/08/2000
00-12-03	Insurer’s Record Retention Requirements	12/12/2000
00-12-04	Defensive Driving Course Refund	12/13/2000
00-12-05	New York Insurance Law Section 4224(a)(1) Regarding Unfair Discrimination Among Members of the Same Class	12/13/2000
00-12-06	Chiropractic Group Office	12/14/2000
00-12-07	Reinstatement Fee	12/22/2000
00-12-08	UCC Title Insurance Policy	12/27/2000
00-12-09	Activities in New York on Behalf of an Unauthorized Insurer	12/28/2000