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2000 Selected Opinions of the Office of General Counsel

2000 Selected Opinions of the Office of General Counsel

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Selected Opinions of the Office of General Counsel for the Year 2000

Opinions are listed in the table below in order of Opinion Number which represents the year, month, and order issued, for example, in 00-02-09 the "00" represents the year 2000, the "02" represents February, and "09" refers to the 9th opinion issued in February of 2000.

Opinion NumberSubjectDate Issued
00-01-01Entitlement to Renewal Commissions During Lapse in Agent's License01/10/2000
00-01-02No-Fault Burden of Proof01/11/2000
00-01-03Federal Crime Bill's Prohibition Against the Hiring by Insurers of Individuals With Felony Convictions01/12/2000
00-01-04Execution 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 Carrier01/14/2000
00-01-05Circular Letter No. 7 (1999) and New Section 422801/18/2000
00-01-06Filing Requirements for Unauthorized Insurer01/24/2000
00-01-07Licensing of ERISA-Covered Benefit Plan Administrator01/26/2000
00-01-08Regulation 68 Amendment01/26/2000
00-01-09Use of Declaration Page on Renewal of Insurance Policy01/27/2000
00-01-10Litigation Settlement Offer May Constitute an Improper Rebate/Inducement01/28/2000
00-02-01Use of Digital Technology in Adjusting Insurance02/04/2000
00-02-02Use of Internet for Sales and Marketing02/09/2000
00-02-03Insurance Agent's Internet Website02/10/2000
00-02-04Service Contract Providers and Risk Retention Groups02/10/2000
00-02-05Weather Financial Instruments (Derivatives, Hedges, etc.)02/15/2000
00-02-06Sale of Automobile Service Contracts via the Internet02/16/2000
00-02-07Salvage Vehicle Branding02/16/2000
00-02-08Commission Sharing Among Brokers02/16/2000
00-02-09Statutory Deposits and Non-New York Banks02/24/2000
00-02-10Prepaid Legal Services Plans02/28/2000
00-02-11Rebating, Insurance Law Section 232402/28/2000
00-02-12Agent Licensing and Legal Services Insurance02/28/2000
00-02-13Title Branding Regulations02/28/2000
00-02-14Propriety of Advertisement Language Alluding to Potential Cost Savings for Insurance Purchased Directly From the Company02/28/2000
00-02-15Rebating and Not-for-Profit Organizations02/28/2000
00-03-01Assigned Risk Plan (AIP)03/03/2000
00-03-02Office Consolidation03/06/2000
00-03-03Insurance Transactions over the Internet03/06/2000
00-03-04Records Retention Requirements03/06/2000
00-03-05Delivery of Certificates by Product or System Group Policyholder03/06/2000
00-03-06Commission Reduction for Group Insurance Client03/09/2000
00-03-07Rebating and Illegal Inducement by Agent03/10/2000
00-03-08Distribution of Dividends, Rebates, and Refunds via the Internet03/13/2000
00-03-09Pilot Project for Electronic Alternatives for Reinsurance Contracts03/15/2000
00-03-10Endorsement in General Liability Umbrella Policy Circular Letter No. 6 (1994)03/17/2000
00-03-11Independent Adjuster Licensing for In House Claims Representative03/17/2000
00-03-12Advertising Charitable Contribution by Agent03/17/2000
00-03-13Insurer Adjusting Claims on Behalf of Another Insurer03/19/2000
00-03-14Treatment of Tax Preparer's Warranty03/28/2000
00-03-15Accredited Reinsurer and Excess Lines Insurance03/28/2000
00-04-01Subsidy of Premium Under Group Health Insurance Plan04/03/2000
00-04-02Negotiated Reductions in Agent's Commissions04/03/2000
00-04-03Licensing of Reinsurers as Independent Adjusters04/14/2000
00-04-04Fraternal Society - Licensing Status04/14/2000
00-04-05Funding Agreement Securitizations04/18/2000
00-04-06Workers' Compensation Coverage, Definition of Reinsurance/Insurer04/19/2000
00-04-07Assessment Cooperative Insurers' Use of Loss-Free Credits04/27/2000
00-05-01Incentives for Auto Glass Windshield Repairs05/05/2000
00-05-02Co-operatives and Group Property/Casualty Insurance05/05/2000
00-05-03No-Fault Payments for Medical Transportation Services05/08/2000
00-05-05Supplemental Uninsured Motorist Insurance and Arbitration05/10/2000
00-05-06Form A Filing Under Article 1505/10/2000
00-05-07Posting of Collateral in Connection with Derivative Transactions05/11/2000
00-05-08Insurer's Obligations under Regulation 7905/11/2000
00-05-09Global Funding Agreement-Backed Securities: Payment of Expenses by the Insurer05/11/2000
00-05-10Re: Circular Letter 2000 Independent Adjusters - Administration of Dental Claims05/05/2000
00-05-11Consequence of Ban on Insurance License05/18/2000
00-05-12Independent Adjuster Licensing05/24/2000
00-05-13Financial Guaranty Insurance05/30/2000
00-05-14Indemnity Agreements Related to the Securitization of Funding Agreements05/30/2000
00-05-15The Transaction of Private Passenger Automobile and Homeowner's Insurance Business on the Internet05/30/2000
00-05-16Family Practice Clinic for Uninsureds05/30/2000
00-05-17New York State Gap Law, Maintenance and Similar Contracts, and Vendors Single Interest Insurance05/30/2000
00-06-01Non-Owner Occupied 1- 4 Family Dwellings06/05/2000
00-06-02Refunding Credit / Unearned Premium Reserve06/08/2000
00-06-03Life Insurers General Agent Compensation Plan and N.Y. Ins. Law 4228 and 1509 (McKinney 1985 & Supp. 2000)06/08/2000
00-06-04Assignment of a Life Insurance Policy in Connection with a Prepaid Funeral06/08/2000
00-06-05Life Insurer General Agent Compensation Plan and N.Y. Ins. Law 4228 and 1509 (McKinney 1985 & Supp. 2000)06/08/2000
00-06-06Cut-Through Endorsements and Insolvency06/14/2000
00-06-07Non-Renewal/Change of Tier and Two-for-One New Business Credits06/14/2000
00-06-08Credit Insurance Policy Issued to Financial Institution06/16/2000
00-06-09Automobile Certificates of Insurance06/16/2000
00-06-10Commercial Liability Policies, N.Y. Ins. Law 3426(d)(1) (McKinney Supp. 2000)06/22/2000
00-06-11XXX Insurance Reciprocal, Withdrawal of a Subscriber06/28/2000
00-07-01Unfair Claim Settlement Practices07/06/2000
00-07-02Article 77 The Life Insurance Company Guaranty Corporation of New York Act and Long Term Care Insurance07/10/2000
00-07-03State Agencies' and Municipalities' Insurer Rating Requirements07/11/2000
00-07-04Insurance Company's Records Retention Period07/12/2000
00-07-05Interest Charges on Old Money07/13/2000
00-07-06Effect of Conviction for Vehicular Manslaughter on Agent Licensing07/14/2000
00-07-07Internet Solicitation and Agent Licensing07/14/2000
00-07-08Supplemental Uninsured Motorist Endorsement (SUM)07/17/2000
00-07-09Professional Liability Insurance and the Property/Casualty Security Fund07/18/2000
00-07-10Property/Casualty Security Funds07/18/2000
00-07-11Capitation Arrangements Involving Professional Corporations07/19/2000
00-07-12Premium installment payment plans07/19/2000
00-07-13No-Fault Billing for Ambulette Services07/21/2000
00-07-14Motor Vehicle Law Enforcement Fee07/21/2000
00-07-15Insurer Sharing of Information07/26/2000
00-07-16Attorney Retainer Agreement07/26/2000
00-07-17Service Contract Program07/26/2000
00-07-18Insurance Premiums/Installment Payments07/27/2000
00-07-19Accidental Death & Dismemberment Insurance07/27/2000
00-07-20Banking Questions07/31/2000
00-08-01Applicability of FOIL Exception for Unwarranted Invasion of Personal Privacy to a Request for Names of Newly Licensed Insurance Agents08/01/2000
00-08-02Record Retention by Agency08/08/2000
00-08-03Subrogation Information08/08/2000
00-08-04No Nonstandard Application Fees for Agent08/08/2000
00-08-05Warranties and Service Contracts08/09/2000
00-08-06Motor Vehicle Repossession Insurance08/10/2000
00-08-07Proposed Provisions for use in Reinsurance Contracts08/10/2000
00-08-08Policy cancellation and subsequent partial payment of premium08/10/2000
00-08-09Superintendent's Authority Regarding Consumer Complaints08/11/2000
00-08-10Insurer's Collection of Additional Premium After Policy Issuance08/22/2000
00-09-01Mechanical Breakdown Insurance09/05/2000
00-09-02Purchase of Customer Mailing Lists from Non-Licensees / Non-Resident Agent and Non-Resident Broker Solicitation09/05/2000
00-09-03Payroll Deduction of Insurance Premiums09/06/2000
00-09-04Acord Form and Certificates of Insurance09/08/2000
00-09-05Prearranged Funeral Program09/15/2000
00-09-06Group Accident & Health Insurance, N.Y. Ins. Law 4235 (McKinney 1985 and Supp. 2000)09/19/2000
00-09-07Premiums Quoted "Net of Commission"09/19/2000
00-09-08Electronic Insurance Applications and Electronic Signatures09/20/2000
00-09-09Sale of Agent/Broker Business09/21/2000
00-09-10Repossession and Total Loss Coverage09/22/2000
00-09-11Payment of Insurance Premium by Credit Card on Internet or Telephone09/25/2000
00-09-12Domestic Partnership Registration09/25/2000
00-09-13Workers' Compensation Law Election to Exclude Executive Officers from Coverage09/29/2000
00-10-01Regulation 64 and Disability Benefits10/03/2000
00-10-02Insurer's Payment of Bonuses to Insurance Brokers and Agents10/04/2000
00-10-03Licensing Status for Sales Staff10/13/2000
00-10-04Credit Card Rebate Payment System10/16/2000
00-10-05Equipment Reliability Insurance10/20/2000
00-10-06Reinsurance Intermediary - Fiduciary Account10/23/2000
00-10-07Non-Admitted Reinsurance/Letters of Credit, Insurance Department Reg. No. 133 (11 NYCRR 79)10/26/2000
00-10-08Abstract Companies and Title Insurance Business10/27/2000
00-10-09Service contract reimbursement insurance issued by federal risk retention groups10/30/2000
00-10-10Advertising Gift Certificate by Agent10/31/2000
00-11-01Insurance Agents as Co-Shareholders of a Separate Corporate Insurance Agent11/03/2000
00-11-02Divorce and Insurable Interest11/06/2000
00-11-03Merger of Independent Practice Associations (IPA)11/13/2000
00-11-04Activities of Employees of Banks and Bank Agencies11/20/2000
00-11-05New York Taxation of Insurers11/21/2000
00-11-06Assignment of Health Insurance Benefits11/21/2000
00-11-07Multi-bank Letters of Credit11/27/2000
00-11-08Sales Illustrations, Regulation 6011/08/2000
00-12-01Property/Casualty Insurance Security Fund Insurance Law Article 7612/01/2000
00-12-02N.Y. Ins. Law 3425 Automobile Renewal and Cancellation Provisions12/08/2000
00-12-03Insurer's Record Retention Requirements12/12/2000
00-12-04Defensive Driving Course Refund12/13/2000
00-12-05New York Insurance Law Section 4224(a)(1) Regarding Unfair Discrimination Among Members of the Same Class12/13/2000
00-12-06Chiropractic Group Office12/14/2000
00-12-07Reinstatement Fee12/22/2000
00-12-08UCC Title Insurance Policy12/27/2000
00-12-09Activities in New York on Behalf of an Unauthorized Insurer12/28/2000