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Selected Opinions of The Office of General Counsel For The Year of 2010

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
10-01-01	Prelicensing Course Exemption for Work Experience	01/04/2010
10-01-02	Insurer Use of Fictitious Name When Adjusting Claims on behalf of Other Insurers	01/05/2010
10-01-03	Partial Insurance Agency Ownership by Automobile Club Subsidiary	01/06/2010
10-01-04	Determining Principally Headquartered under N.Y. Ins. Law 3426(l)(1) Where Insurer Issues Policy Covering Multiple-Affiliated Corporate Entities	01/13/2010
10-01-05	Terminated agent and 3425 covered policy of personal lines insurance	01/19/2010
10-01-06	Reinsurance intermediaries acting outside of New York	01/19/2010
10-01-07	Premium due date and late fees	01/20/2010
10-01-08	Insurance Producers Receiving Compensation for Hyperlink Clicks	01/26/2010
10-01-09	Clarification of the term personal injury as used in the amendments to N.Y. Ins. Law 3420	01/28/2010
10-01-10	XYZ Boiler Inspection and Insurance Company Risk Retention Group	01/29/2010

10-02-01	Selling and Assigning a Beneficial Interest in a Trust that Owns Life Insurance Policies	02/09/2010
10-02-02	Group Health Insurance	02/10/2010
10-02-03	Gap Waiver	02/12/2010
10-02-04	Applicability of Insurance Law 4224(c) to Health Maintenance Organizations	02/12/2010
10-02-05	BOCES wholly-owned insurance broker	02/12/2010
10-02-06	Travel Insurance	02/23/2010
10-02-07	Premium Financed Policies: Pro-Rata Refund	02/23/2010
10-02-08	Gap Waivers	02/16/2010

10-03-01	Reconsideration of OGC Opinion No. 09-12-06: Refusal to accept cash premium payments	03/10/2010
10-03-02	Prior Approval of Reinsurance Agreement	03/05/2010
10-03-03	Licensing Requirements for Prepaid Medical Services Plans	03/16/2010

10-04-01	Blanket Accident and Health Insurance Policy	04/21/2010
10-04-02	Wellness Talks and an Annual Health Fair	04/26/2010
10-04-03	Applicability of Article 15	04/30/2010

10-05-01	Appearance Allowances Prohibited	05/10/2010

10-06-01	Regulation 194 Disclosure	06/02/2010
10-06-02	Licensing of Third Party Administrators	06/03/2010
10-06-03	HMO Commissions to Brokers	06/03/2010
10-06-04	Soliciting on behalf of charity and donating commissions	06/04/2010
10-06-05	New York State Health Care Reform Act (HCRA) Surcharges	06/16/2010
10-06-06	Municipality Waiver of Ambulance Co-Payment, Co-Insurance or Deductible for Residents	06/29/2010
10-06-07	Technology Firm as a Life Settlement Intermediary	06/30/2010
10-06-08	Deductibles for automobile physical damage insurance policies	06/03/2010

10-08-01	Excess Insurance for Workers’ Compensation Self-Insurance Plans	08/04/2010
10-08-02	Minimum Capital/Minimum Surplus to Policyholders Investments and Permitted Reserve Investments of a Domestic Property/Casualty Insurer	08/04/2010
10-08-03	Life Settlement Broker Disclosure Requirements	08/05/2010

10-09-01	Insurance Producers Using an Alternate Title	09/07/2010
10-09-02	Unlawful Inducements	09/07/2010
10-09-03	Inspection Fees Charged by Managing General Agents	09/07/2010
10-09-04	Opinion Withdrawn
10-09-05	Accrual of Interest on Overdue No-Fault Claims	09/14/2010
10-09-06	Producer Compensation Transparency and Regulation 194	09/14/2010
10-09-07	Investments in Federally Insured Certificates of Deposit by a Co-operative Property/Casualty Insurance Company	09/17/2010
10-09-08	Compliance Requirements of Insurance Law § 6402 and Notification to the New York State Insurance Department Regarding Board of Directors Membership Changes	09/17/2010
10-09-09	Liability Insurance for Establishments Licensed to Sell Liquor at Retail for Consumption on the Premises	09/21/2010
10-09-10	Commission Sharing	09/27/2010
10-09-11	Inflation-Guard Endorsements - Protection Against Inflation	09/27/2010
10-09-12	Certificate of Insurance	09/27/2010
10-09-13	Rebates	09/29/2010
10-09-14	Reporting of Fees on Dental Benefit Plan Claim Forms	09/30/2010
10-09-15	Records Retention In Electronic Media	09/30/2010

10-10-01	Canadian Life Settlements	10/21/2010

10-11-01	Disclosure of Compensation Paid to Employees or Sublicensees	11/04/2010
10-11-02	Total Loss Protection and Vehicle Loss Assist Policies	11/15/2010
10-11-03	Paintless Dent Repair Membership Program	11/15/2010
10-11-04	Applicability of Article 78 of the Insurance Law	11/16/2010
10-11-05	Personal Lines Policy: Calculation of Return Premium on a Short-Rate Basis	11/18/2010
10-11-06	Amendment to Policy Issued in Free Trade Zone: Applicable Notice Requirements	11/19/2010
10-11-07	Life Insurance Company Guaranty Corporation of New York Linked-In Website as Advertising Vehicle	11/22/2010
10-11-08	Anti-Arson Application	11/22/2010
10-11-09	Doing an Insurance Business	11/23/2010
10-11-10	Referral Fees	11/24/2010
10-11-11	Sample Term Life Insurance Premium Quotes Provided on an Agents Internet Website	11/24/2010
10-11-12	Coverage for a Lost or Stolen Item	11/24/2010
10-11-13	Insurer Audits of Non-Participating Providers	11/29/2010
10-11-14	Retaliatory Tax Refund	11/02/2010
10-11-15	Earned Commissions on Bail Bonds	11/23/2010
10-11-16	Amendment to ACORD forms	11/22/2010

10-12-01	Rate and Form Deviations	12/02/2010
10-12-02	Second Medical Opinion Service Offered by a Life Insurer	12/03/2010
10-12-03	Defining Enteral Formula	12/03/2010
10-12-04	No-Fault Lost Wages	12/03/2010
10-12-05	Specialty Bill Review	12/06/2010
10-12-06	Commission Sharing on Sale of Long Term Care Insurance	12/06/2010
10-12-07	New York Independent Adjusters License	12/06/2010
10-12-08	Captive Insurer	12/06/2010
10-12-09	Permissibility of Proposed Discount Dental Program	12/08/2010
10-12-10	Repatriation and Funeral Contracts	12/09/2010
10-12-11	Choice of Law for Life Settlements	12/15/2010
10-12-12	Application of Regulation 194	12/15/2010
10-12-13	Insurance Producer Compensation Disclosure	12/16/2010
10-12-14	XYZ, Inc. (d/b/a XYZ Purchasing Group) – Proposed Identity Theft Purchasing Group Insurance Program	12/30/2010
10-12-15	Employer Sponsored Group Health Insurance, Waiver of Coverage	12/31/2010
10-12-16	Prohibited Referral Payments to Insurance Agents or Employees by a Motor Vehicle Glass Repair	12/31/2010
10-12-17	Payment of Health Insurance Claims	12/22/2010