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2002 Selected Opinions of the Office of General Counsel

2002 Selected Opinions of the Office of General Counsel

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Selected Opinions of the Office of General Counsel For the Year 2002

Opinions are listed in the table below in order of Opinion Number which represents the year, month, and order issued, for example, in 02-01-08 the "02" represents 2002, the "01" represents January, and "08" refers to the 8th opinion issued in January of 2002.

Opinion NumberSubjectDate Issued
02-01-01Recordkeeping Under Third Amendment to Regulation 2901/02/2002
02-01-02Fee Sharing Arrangements01/02/2002
02-01-03Licensing Requirements for Unauthorized Insurers01/02/2002
02-01-04No-Fault NF-10 Forms01/03/2002
02-01-05Payment of Premium to Insurance Agent or Broker01/04/2002
02-01-06Notice of Cancellation/Service Fees01/04/2002
02-01-07Life Insurance Company Guaranty Corporation of New York01/07/2002
02-01-08Bonus Compensation Paid to Employees of Insurers01/07/2002
02-01-09Mortgage Guaranty Insurance01/09/2002
02-01-10Residential Mortgage Lenders01/09/2002
02-01-11Empire Zones and Zone Equivalent Areas01/09/2002
02-01-12Employee Group Health Insurance Coverage01/09/2002
02-01-13Prompt Pay01/09/2002
02-01-14Credit Card Bond01/10/2002
02-01-15Regulation 121-Tail Coverage01/10/2002
02-01-16Licensing of Bail Bond Supervisor01/11/2002
02-01-17Settlements of Automobile Physical Damage Insurance Claims and Allowable Deductions under N.Y. Comp. Codes R. & Regs. tit. 11, 216.0- 216.12 (2001)(Regulation 64)01/11/2002
02-01-18N.Y. Ins. Law 3224-a(b) "Receipt of Claim"01/14/2002
02-01-19Fidelity and Surety Insurance01/14/2002
02-01-20N.Y. Ins. Law 6409(d): Title Insurance Joint Venture01/14/2002
02-01-21Available Claims History with "Community Rated" Health Insurance Policies01/15/2002
02-01-22Cancellation of a Commercial Risk Insurance Policy Based on the Insured's Filing for Bankruptcy Under Chapter 1101/16/2002
02-01-23Reinsurance  /Workers' Compensation "Carve-Out"01/17/2002
02-01-24Issuance of Mandatorily Exchangeable Preferred Stock01/23/2002
02-01-25Filing Requirements for Private Placement of Surplus Notes01/23/2002
02-01-26Estimate of Premium Increase in a Conditional Renewal Notice Under Section 342601/24/2002
02-01-27Out of State Exposures01/24/2002
02-01-28New York Changes in Business Auto Coverage Forms01/24/2002
02-01-29Agent's Right to Request Nonpayment Cancellation01/24/2002
02-01-30N.Y. Comp. Codes R. & Regs. tit. 11, 420.0-420.24 (2001) (Regulation 169) and Charitable Annuity Societies01/25/2002
02-01-31Executive Officer Compensation01/25/2002
02-01-32Insurance Compliance Self-Evaluative Privilege01/25/2002
02-01-33N.Y. Insurance Law 3224-a(b) "Receipt of Claim"01/28/2002
02-01-34No-Fault Claims Adjusting and N.Y. Comp. Codes R. & Regs. tit. 11, 420.0-420.24 (2001) (Regulation 169)01/28/2002
02-01-35Kidnap and Ransom Insurance01/30/2002
02-01-36Use of Title Insurer Mandated by Lender01/31/2002
02-01-37Renewal of Life and Accident and Health Insurance Agent's License01/31/2002
02-01-38Estimate of Premium Increase in a Conditional Renewal Notice Under Section 342601/24/2002
02-02-01Insurance law Article 77 and Life Insurance Company Guaranty Corporation of New York (LICGC)02/01/2002
02-02-02No-Fault Arbitration: Decedent Healthcare Providers02/04/2002
02-02-03No-Fault Billings, Independent Contractors02/05/2002
02-02-04Incontestability of Individual Life Insurance Policies and Individual Long Term Care Insurance Policies02/06/2002
02-02-05Managing Another Office02/07/2002
02-02-06Automobile Insurance and Discrimination in Underwriting02/07/2002
02-02-07Business SUM Coverage02/08/2002
02-02-08Activities of bail bond supervisor regarding licensing02/11/2002
02-02-09Wholesale Insurance Broker Fees02/12/2002
02-02-10NYAIP Service Fees02/12/2002
02-02-11Minimum Automobile Insurance Requirements02/12/2002
02-02-12Use of Credit Card for Payment of Premium - N.Y. Ins. Law 4224(b)(1) (McKinney 2000)02/12/2002
02-02-13Extended Warranties and Home Warranties02/12/2002
02-02-14Home Health Care Service/Durable Medical Equipment Contracts02/13/2002
02-02-15Compliance with N.Y. Comp. Codes R. & Regs. tit. 11, 420.0-420.24 (2001) (Regulation 169)02/14/2002
02-02-16Property/Casualty Insurance Policy Form Endorsements02/14/2002
02-02-17Alternative Renewal Notice Under N.Y. Ins. Law Section 342602/14/2002
02-02-18Insurance Fraud Prevention: Satisfying Regulation 95 Requirement that Insurers Develop Public Awareness Programs02/14/2002
02-02-19Guaranteed Minimum Income Benefit and N.Y. Ins. Law 4240(d) (McKinney 2000)02/15/2002
02-02-20Regulation 169 and Privacy of Consumer Financial Information / Opt Out Requirements02/15/2002
02-02-21Fraud Warning Statement on Applications for Personal Auto Insurance02/15/2002
02-02-22Insurance Consultant,  N.Y. Ins. Law 2107 (McKinney 2000)02/15/2002
02-02-24Health Insurance Coverage of Domestic Partners02/19/2002
02-02-25Viatical Settlement, Definition of "Viator"02/19/2002
02-02-26Unearned Premium Reserve Requirement for Bail Bond Insurers02/20/2002
02-02-27Shelf Registration and N.Y. Insurance Law 1204 (McKinney 2000)02/21/2002
02-02-28Tier Movement Under Automobile Insurance Policy with a Three Year Required Policy Period02/21/2002
02-02-29Viatical Settlements, Licensing Requirements02/21/2002
02-02-30Applicability of Regulation 62 and Regulation 123 Requirements02/22/2002
02-02-31Reinsurance Agreements That Cover Extra Contractual Obligations02/26/2002
02-02-32Replacing Logo on Application Form for Property/Casualty Insurance02/27/2002
02-02-33Health Insurance for Small Businesses02/27/2002
02-02-34Conditional Gap Waiver Provision in a Lease Agreement02/27/2002
02-02-35Alliance between Insurance Agency and Mortgage Brokerage02/26/2002
02-02-36Financial Guaranty Insurance Policy; SPV02/15/2002
02-03-01Life Settlements, Licensing Requirements03/01/2002
02-03-02Disclosure of Nonpublic Personal Health Information and Regulation 16903/04/2002
02-03-03Assets of Insurers03/04/2002
02-03-04Liability of Board Members for a Not-for-Profit-Corporation03/06/2002
02-03-05Glass Claims03/06/2002
02-03-06Multiple Employer Welfare Arrangements (MEWA)03/07/2002
02-03-07Insurance Coverage of a Livery Vehicle03/07/2002
02-03-08Minimum Earned Premiums03/08/2002
02-03-09N.Y. Comp. Codes R. & Regs. tit. 11, 420.17 (2001) (Reg. 16903/08/2002
02-03-10No-fault fees; Independent Contractor / Professional Corporation03/11/2002
02-03-11Licensing of Unauthorized Insurers as Independent Adjusters in New York03/11/2002
02-03-12Licensing of an Insurance Broker as an Insurance Agent03/11/2002
02-03-13Licensing as an Adjuster03/14/2002
02-03-14Conditional Renewal Notices03/14/2002
02-03-15Cancellation of Commercial Liability Insurance Policy Under N.Y. Ins. Law 342603/15/2002
02-03-16Health Insurance, Continuation and Conversion Benefits03/18/2002
02-03-17Notice Requirements for Voluntary Market Noncommercial Private Passenger Automobile Policy Cancellation by Insurer or Premium Finance Agency03/18/2002
02-03-18Commercial Property and Casualty Insurance Written Through the Excess Line Market and N.Y. Ins. Law 342603/21/2002
02-03-19Agent's Interest Bearing Premium Account03/21/2002
02-03-20N.Y. Ins. Law 6409(d): Title Insurance Joint Venture03/21/2002
02-03-21Service Contract Reimbursement Insurance03/22/2002
02-03-22Anti-Theft Program03/25/2002
02-03-23Receipt of Insurance Broker's Future Commissions by Unlicensed Executor03/25/2002
02-03-24Compliance with Privacy Regulations 169 and 17303/26/2002
02-03-25Home Warranty Association03/26/2002
02-03-26Minimum and Deposit Premium03/27/2002
02-03-27Proposed Fertility Warranty Agreement03/27/2002
02-03-28Personal Automobile Proposed Underwriting Restriction03/27/2002
02-03-29Open Cargo Insurance Policy03/07/2002
02-04-01Notice of Settlement Under Regulation 6404/01/2002
02-04-02Standards for Safeguarding Customer Information and Regulation 17304/02/2002
02-04-03Non-domiciliary New York Licensee and Compliance with N.Y. Comp. Codes R.& Regs. tit. 11, 420, 421 (2002)04/02/2002
02-04-04Bank Issuance of Debt Suspension and Debt Cancellation Contracts in connection with its Customers' Credit Card Account at the Bank04/02/2002
02-04-05Doing Business as a Trade-Name04/03/2002
02-04-06General Agent Compensation Plan04/03/2002
02-04-07Stop-Loss Insurance, Discriminatory Attachment Point04/03/2002
02-04-08Bail Bonds04/05/2002
02-04-09Nonpublic Personal Health Information (Regulation 169)04/05/2002
02-04-10Conditional Renewal Notices04/08/2002
02-04-11Regulation 79 and Waivers of Mandatory Inspection Requirements04/08/2002
02-04-12Salaried Employees of Holding Co. Adjusting Claims on Behalf of Insurers04/08/2002
02-04-13Derivative Investments by an Accredited Reinsurer04/09/2002
02-04-14Audit of Health Insurance Claims04/10/2002
02-04-15N.Y. Ins. Law 1201(a)(5)(B)(vi) (McKinney 2000) New York State Residence and United States Citizenship Requirements for Directors04/10/2002
02-04-16Non-Resident License for Out-of-State Licensed Life Insurance Agent04/10/2002
02-04-17Regulation 169 Privacy Notice04/10/2002
02-04-18Insurance Agent's Entitlement to Commissions04/11/2002
02-04-19No-Fault Insurer Medical Examinations04/12/2002
02-04-20Named Driver Exclusions in Commercial Auto Liability Policy04/15/2002
02-04-21Guidelines for the Writing of Individual Policies in the Payroll Deduction Market04/15/2002
02-04-22Insurers' Anti-Fraud Public Awareness Programs: Satisfying Regulation 9504/16/2002
02-04-23Terrorism Exclusions in Excess Line Policies04/19/2002
02-04-24Sale of Etching Program with Insurance04/23/2002
02-04-25License Requirement for Premium Collection Within New York State04/24/2002
02-04-26Health Service Billings by Medical Professional Corporations04/24/2002
02-04-27Exemption of Annuity Contract Proceeds from Creditors N.Y. Ins. Law 3212(d)04/15/2002
02-04-28Suspected Insurance Fraud by a Licensed Insurance Broker04/15/2002
02-04-29Prepaid Health Service Plan, Regulation of Privacy04/24/2002
02-04-30General Liability Insurance Policy, Exclusion for Liquor Liability04/25/2002
02-04-31Investment Rules Under N.Y. Insurance Law 140404/26/2002
02-04-32Brokers' Commissions / Rebating and Discrimination04/29/2002
02-04-33Sale of life insurance04/29/2002
02-04-34Calculation of Total Loss Payments and Regulation 6404/30/2002
02-04-35Application of Pre-existing Condition Clauses in Group Disability Insurance Policies04/30/2002
02-04-36Community Rating of Association Groups04/30/2002
02-05-01Third Party Liability Claims and N.Y. Comp. Codes R. & Regs. tit. 11, 216.0-216.12 (Regulation 64) (2001)05/01/2002
02-05-02Home Equity Protection Program05/01/2002
02-05-03Proposed Title Insurance Business Arrangement05/02/2002
02-05-04Debt Cancellation Agreements05/03/2002
02-05-05N.Y. Ins. Law 3425(j)- New Business Acceptance Requirements05/06/2002
02-05-06Insurers Payment of Bonuses to Agents, General Agents, and Brokers for the Sale of Group Insurance05/08/2002
02-05-07Agent Licensing for Overseas Reinsurer05/10/2002
02-05-08Monies Collected by an Insurance Agent/Administrator from Employers in Connection With a Group Health Insurance Plan05/10/2002
02-05-09Insurance Law 1413(a)- Substantial Compliance05/10/2002
02-05-10New York State Insurance Department Regulation for Disclosure of Policy Limits05/10/2002
02-05-11Service Contracts and Warranties for a Fee and New York's Lemon Laws05/10/2002
02-05-12Non-commercial Pet Insurance05/10/2002
02-05-13Limited Liability Company And Licensing As Broker05/13/2002
02-05-14Credit Life Insurance05/13/2002
02-05-15Effective Date of N.Y. Insurance Law 1113(a)(16)(D)05/14/2002
02-05-16Group Health Insurance, Continuation and Conversion Requirements05/14/2002
02-05-17N.Y. Ins. Law 2324(a) (McKinney 2001-2002) and Free Phone Card05/14/2002
02-05-18Service Contracts/Risk Retention Groups05/17/2002
02-05-19Terrorism Exclusions in Excess Line and Free Trade Zone Policies05/17/2002
02-05-20Prepaid Medical Services Plan05/17/2002
02-05-21Life Insurance Company Guaranty Corporation of New York Act05/20/2002
02-05-22Internet Web Site Of A Corporate Life Insurance Agent05/28/2002
02-05-23Surety Company Insuring Bank against Risk of Non-performance by Developer05/29/2002
02-05-24The Fund05/29/2002
02-05-25Insurance Coverage of Intentional Criminal Acts05/30/2002
02-05-26Sale of Life Insurance and or Long-Term Care Insurance05/01/2002
02-05-27Credit Unions - Income from Joint Marketing Agreements05/01/2002
02-06-01Third Party Administrator Workers' Compensation Claims06/03/2002
02-06-02Viatical Settlement Companies and Viatical Settlement Brokers, and Regulation 17306/03/2002
02-06-03Licensing/Registration Requirements for Service Contract Providers06/03/2002
02-06-04Minimum and Deposit Premium06/04/2002
02-06-05Licensing Requirements for Persons Who Market Health Insurance in New06/04/2002
02-06-06Policy Record Retention Requirements & Regulation 15206/05/2002
02-06-07Group Policyholders and N.Y. Comp. Codes R. & Regs. tit. 11, 420.0-420-24 (2001) (Regulation 169)06/05/2002
02-06-08Follow-up to Fertility Warranty Agreement Opinion06/05/2002
02-06-09Employer Sponsored Group Accident & Health Insurance06/05/2002
02-06-11Reinsurance and N.Y. Ins. Law 4228(h) (McKinney 2000)06/05/2002
02-06-12Premium Acceptance by PA Insurer and PA Agent06/07/2002
02-06-13Interest on Premium Trust Funds Received by an Insurance Broker06/11/2002
02-06-14The Property/Casualty Insurance Security Fund & Vicarious Employment Practices Liability06/11/2002
02-06-15Financial Responsibility Requirements Under N.Y. Ins. Law 7903 (McKinney 2000) and Regulation 15506/11/2002
02-06-16Bail Bond Insurers and Disclosure of Nonpublic Personal Financial Information Under Regulation 16906/11/2002
02-06-17Credit Union Agent Licensing06/11/2002
02-06-18Safety Group Dividend Plans and Regulation 13506/12/2002
02-06-20Savings Clause in a Reinsurance Agreement06/13/2002
02-06-21Gap Waivers and "Direct Loans"06/14/2002
02-06-22Credits Applied for Insurance Cost on Construction Bids06/17/2002
02-06-21Claims Submitted by Physicians06/17/2002
02-06-23Surety Bonds06/18/2002
02-06-24Licensee's Release of Health Information to Non-Affiliated Broker06/18/2002
02-06-25Insurance Commissions to Agent06/20/2002
02-06-26Construction of N.Y. Ins. Law 3425(j)(1)(A06/21/2002
02-06-27OGC Opinion No. 02-06-27 - withdrawn pursuant to OGC Opinion No. 03-02-32 
02-06-28Document Retention by Insurance Brokerage06/25/2002
02-06-29Group Long Term Disability Income Insurance Reduction in Benefits N.Y. Ins. Law 3221 (McKinney 2000 and Supp. 2002)06/26/2002
02-06-30Replacement of a Variable Annuity as defined under N.Y. Comp. Codes R. & Regs. tit. 11, 51.2(a) (1998) (Regulation 60)06/26/2002
02-06-31Licensing a Federally Chartered Production Credit Association as a Non-Resident Insurance Agency06/26/2002
02-06-32N.Y. Ins. Law 3425(f) - Non-renewal of Automobile Insurance Policies before and after August 2, 200106/27/2002
02-06-33Debt Cancellation Lender/Creditor Insurance06/27/2002
02-07-01N.Y. Comp. Codes R. & Regs. tit. 11 420.17(b) Exceptions (Reg. 169)07/01/2002
02-07-02Premium Increase by Unauthorized Insurer07/02/2002
02-07-03Commercial Insurance and Compliance with Regulation 16907/02/2002
02-07-04Termination of Producer Agreement07/09/2002
02-07-05Life Insurance Company Guaranty Corporation of New York Long Term Care Policy07/09/2002
02-07-06Proposed Issue or Sale in New York of Medical and Hospital Insurance Policies to Peruvians residing in New York State for the Benefit of Immediate Family Members Living in Peru07/09/2002
02-07-07Utilization Review Company's Licensing as an Independent Adjuster in New York07/09/2002
02-07-08Life Insurance Corporate Governance07/11/2002
02-07-09Storage Costs of Motor Vehicle Damaged in Accident07/15/2002
02-07-10Emergency Department Treatment, Health Insurance Coverage07/17/2002
02-07-11Health Insurance Coverage, Organ Donors07/17/2002
02-07-12Health Maintenance Organizations (HMO) and Agent Commissions07/17/2002
02-07-13Service Contracts07/18/2002
02-07-15Terrorism Exclusions in Commercial Umbrella Policies07/19/2002
02-07-16Terrorism Exclusions in General Liability Insurance Policies07/19/2002
02-07-17Terrorism Exclusions Under Property/Casualty Policy Covering Both New York and Non-New York Exposures, Issued In Or Out Of State07/19/2002
02-07-18Terrorism Exclusions Under Property/Casualty Policy Covering Both New York and Non-New York Exposures07/19/2002
02-07-19Parental Access to Insurance Records Concerning Child's Medical Treatment07/22/2002
02-07-20Mold Exclusions in Free Trade Zone Policies07/23/2002
02-07-21Private Passenger Automobile Liability Insurance Coverage for a Non-Owned Automobile07/24/2002
02-07-22Prompt Pay07/24/2002
02-07-23Payment of Insurance Settlement07/24/2002
02-07-24Omnibus Crime Bill of 1994, 18 U.S.C.A. 1033(e)07/24/2002
02-07-25Filing Requirements of Regulation 17307/25/2002
02-07-26New York Statutory Excess Medical Malpractice Insurance Coverage07/25/2002
02-07-27New York Insurance Law Requirements for a Collection Agency Working on Behalf of an Insurer07/29/2002
02-07-28Record Retention Requirements07/30/2002
02-07-29Unauthorized Accident and Health Reinsurer Assuming Statutory WorkersÂ’ Compensation Risks07/31/2002
02-07-30Regulation 169 and Privacy Protection for Minors07/31/2002
02-08-01Service Requirements for Notice of Cancellation of Insurance Policies Subject to N.Y. Ins. Law 342608/05/2002
02-08-02Promotional Discounts08/05/2002
02-08-03Premium Rates for Executors Bonds08/05/2002
02-08-04Conditional Renewal of a Commercial Lines Policy08/05/2002
02-08-05Service Contracts & Compliance With Article 7908/06/2002
02-08-06N.Y. Comp. Codes R. & Regs. tit. 11, 421.0-421.10 (2002) (Regulation 173) and Nonpublic Personal Health Information08/06/2002
02-08-07Cancellation of Commercial Risk Insurance Policies08/06/2002
02-08-08Waiver of Premium08/07/2002
02-08-09N.Y. Ins. Law 3425(d)(1)- Valid Nonrenewal08/07/2002
02-08-10Insurance Agents & Service Fees for Electronic Funds Transfers ("EFTs")08/08/2002
02-08-11Mail Order Exception - N.Y. Ins. Law 1101(b)(2)(D) (McKinney Supp. 2002)08/13/2002
02-08-12Accident & Health Insurance, WorkersÂ’ Compensation Offset08/15/2002
02-08-13Stop Loss Insurance of Self-Funded Employee Welfare Benefit Plans08/15/2002
02-08-14Licensing Requirements For Common Carrier Self-Insurer08/15/2002
02-08-15Independent Adjusters08/16/2002
02-08-16Operation of a Motor Vehicle with an Expired Registration08/19/2002
02-08-17Funding Agreement Backed Securitization Program08/19/2002
02-08-18Securities Leasing/Lending08/19/2002
02-08-19Termination of Health Insurance Policy08/20/2002
02-08-20Electronic Transmission of Notices of Cancellation to Mortgagees08/22/2002
02-08-21Regulation 169 and Doctor's Release of Patient Information to its Insurer and Attorney08/27/2002
02-08-22N.Y.S. Guaranty Fund - Group Health Plans08/27/2002
02-08-23Premium Increase Estimate of Conditional Renewal Notice Subject to Section 342608/28/2002
02-08-24NY Ins. Law 2324 and 4224 - Inducement to Purchase Insurance08/30/2002
02-09-01Homeowner's Policy Inclusion of Workers Compensation and Employers Liability Coverage09/04/2002
02-09-02Assignment of No-Fault Benefits to a Doctor from an Eligible Injured Person09/04/2002
02-09-03Stop-Loss Insurance Provider in Rehabilitation & Insured's Dishonored Claims09/05/2002
02-09-04Proposed Financing Arrangement and the CAPCO Statute09/05/2002
02-09-05Bail Bond Collateral Held Out-of-State09/06/2002
02-09-06Rebates of Insurance Premiums09/06/2002
02-09-07Group Independent Contractor Work Accident Insurance, Subrogation Clause and N.Y. Ins. Law 3221 (McKinney 2000 and Supp. 2002)09/13/2002
02-09-08Use of Credit Card to Pay Insurance09/13/2002
02-09-09Mammography Screening09/18/2002
02-09-10Health Insurance Coverage of Adopted Child09/18/2002
02-09-11Foreign Investment Adviser Managing General09/18/2002
02-09-12Public Adjusters' Compensation Agreement09/19/2002
02-09-13Sale of Insurance with Assistance of Non-Licensed Person09/20/2002
02-09-14Agents for Title Insurance09/20/2002
02-09-15Licensing Requirements for Health Insurance Adjusters09/20/2002
02-09-16Cancellation of Workers' Compensation Insurance09/23/2002
02-09-17Permissible Rebating on Ocean Marine Insurance09/23/2002
02-09-18Services of an Assistant Surgeon09/23/2002
02-09-19Records Retention by Insurance Brokers and the Use of Document Imaging Technology for Storage Purposes09/23/2002
02-09-20Self-Funded Health Plan, Exemption from Insurance Law Requirements09/23/2002
02-09-21Multiple Employer Welfare Arrangement, Evasion of Community Rating Requirement09/24/2002
02-09-22Gap Waivers and "Direct Loans"09/24/2002
02-09-23Accident & Health Insurance, Time Limits on Appeal09/24/2002
02-09-24No-Fault Medical Fees09/25/2002
02-09-25Reason for non-renewal - N.Y. Ins. Law 3425(d)(1) (McKinney Supp. 2000)09/30/2002
02-10-01Hospital Billing Under No-Fault10/01/2002
02-10-02Guaranteed Price Refund Agreements10/01/2002
02-10-03Use of Credit Cards to Pay Insurance Premiums10/02/2002
02-10-04Licensing of Limited Liability Companies10/02/2002
02-10-05Group Health Insurance Policy, Coverage of Grandchildren10/02/2002
02-10-06NY Insurance Law 2120 and Regulation 2910/04/2002
02-10-07Excess Line Premium Tax and Stamping Fee10/07/2002
02-10-08Assignment of Financed Insurance Premiums to Bank10/09/2002
02-10-09Surety Bonds as Insurance Contracts10/10/2002
02-10-10Interest on Proceeds of Life Insurance Policy when Beneficiary is a Minor10/10/2002
02-10-11Return of Unearned Premiums Upon Cancellation of Premium-Financed Policy10/11/2002
02-10-12Compensating Unlicensed Individuals for Referrals10/11/2002
02-10-13Applicability of Article 79 of the New York Insurance Law and Regulation 155 to Home Warranties10/15/2002
02-10-14EUO Standards Under No-Fault10/15/2002
02-10-15Maintenance of a Dentist's Notes Concerning Care for Patients in a Computer Rather than on a Handwritten Chart10/15/2002
02-10-16Bail Bonds10/15/2002
02-10-17Third Party Administrator Adjusting Claims10/16/2002
02-10-18Compliance with the Insurance Certificate Requirements of N.Y. Ins. Law 3221(a)(6) by the use of Electronic Media by Life Insurers10/21/2002
02-10-19Life Insurance Company Compliance with the Insurance Certificate Requirements of N.Y. Ins. Law 3221(a)(6) by the Use of Electronic Media10/21/2002
02-10-20Exemption of Annuity Contract Proceeds from Creditors - N.Y. Ins. Law 3212(d)10/22/2002
02-10-21Abstract Companies and Title Insurance Business10/22/2002
02-10-22Regulation 68 Effective Dates10/22/2002
02-10-23Cancellation and Renewal Provisions10/23/2002
02-10-24Tail Coverage for Medical Malpractice Insurance10/23/2002
02-10-25Homeowner's Liability Coverage on Secondary Residence Located in a State where the Insurer is not Licensed10/23/2002
02-10-26Charitable Grants for Mental and Physical Health Programs10/29/2002
02-10-27Permissibility of Self-Procurement of Property Insurance from Parent's Captive Located and Regulated in Foreign Country10/30/2002
02-10-28Sharing Commissions10/30/2002
02-10-29Offset of Disability Retirement Benefits Against Group Long Term Disability Insurance10/30/2002
02-10-30N.Y. Ins. Law 7903 and 5913 and Risk Retention Groups10/30/2002
02-10-31Employer Sponsored Group Health Insurance10/31/2002
02-10-32Risk Retention Group & Commercial Automobile Liability Insurance10/31/2002
02-10-33Managing General Agent (MGA)10/31/2002
02-11-01Offshore Preferred Shares11/12/2002
02-11-02Pay-As-You-Drive Automobile Insurance11/12/2002
02-11-03Excess Financial Guaranty Insurance11/12/2002
02-11-04Registration Requirements for Service Contract Administrators11/12/2002
02-11-05Excess Financial Guarantee Insurance11/13/2002
02-11-06ABC Bureau Membership Requirement and N.Y. Ins. Law 3425(g) (McKinney 2002)11/13/2002
02-11-07Fees to an Association for a Membership List11/13/2002
02-11-08Nonrenewal of Commercial General Liability Policy11/13/2002
02-11-09Unauthorized Alien Insurer's Office11/14/2002
02-11-10Formation of Company to Conduct Business in New York as Title Agent11/14/2002
02-11-11Medical Examinations and Accepting Premium Payments11/14/2002
02-11-12Terrorism exclusions in inland marine jewelers block insurance policies11/14/2002
02-11-13Exclusions and Sublimits for Acts of Terrorism in Fire Policy11/14/2002
02-11-14Terrorism Exclusions for Event Cancellation and Non-appearance Insurance Coverages11/14/2002
02-11-15Homeowner Environmental Protection Insurance Policy11/14/2002
02-11-16N.Y. Ins. Law 403 (McKinney 2000) - Civil Penalties11/14/2002
02-11-17Extra-Contractual Obligations and Reinsurance Contracts11/18/2002
02-11-18Sharing Commissions with Unlicensed Individuals for Referrals11/20/2002
02-11-19Recovery of Workers' Compensation Loss Award Under No-Fault11/22/2002
02-11-20ABC Home Care Services, Inc.11/22/2002
02-11-21Financial Security requirements - Combined Single Limits Policy11/25/2002
02-11-22Licensing Requirements to Sell HMO Policies to Filipino Residents11/25/2002
02-11-23Association Group Life Insurance11/26/2002
02-11-24Sharing Commissions - Limited Liability Company11/26/2002
02-11-25Technology11/26/2002
02-11-26Bank Check Storage11/26/2002
02-11-27Profit Sharing with an Unlicensed Entity11/26/2002
02-11-28Service Contracts11/27/2002
02-11-29Health Insurance, Insurer's Retroactive Reversal of Treatment Authorization11/27/2002
02-11-30N.Y. Insurance Law 1202 "Independent Director"11/27/2002
02-11-31Licensing Requirements for Independent Adjusters Located Outside of New York11/27/2002
02-11-32Mortgage Bank's Proposal to Pay Commissions to its Employees for Making Referrals to a Title Abstract Company with Which it Has Entered into an Affiliated Business Arrangement11/13/2002
02-12-01Reporting Transfer of Ownership Within Holding Company System12/02/2002
02-12-02Capital Markets Securities Transactions12/02/2002
02-12-03Title Insurance - Prohibited Rebates12/04/2002
02-12-04ACORD 25 and ACORD 27 Forms12/04/2002
02-12-05N.Y. Insurance Law 2120 and Regulation 2912/05/2002
02-12-06Recoupment of Unearned Commissions12/05/2002
02-12-07Multiple Employer Welfare Arrangements (MEWA)12/05/2002
02-12-08Credit Card Enhancement Rate Filings12/06/2002
02-12-09Insurance Reductions for the Completion of High School Driver Education Courses12/06/2002
02-12-10Explanation of Benefits Form12/06/2002
02-12-11Business Insurance Plan12/10/2002
02-12-12ACORD-Form Type Certificates12/12/2002
02-12-13No-Fault Cases and the Health Insurance Portability and Accountability Act of 1996 (HIPAA)12/17/2002
02-12-14Agreement to Pay Residual Loan Value to Lending Institution12/17/2002
02-12-15Disclosure of Policy Limits12/18/2002
02-12-16N.Y. Comp. Codes R. & Regs. tit. 11, 51.1-51.8 (1998) (Reg. 60) and Unauthorized Insurers12/18/2002
02-12-17Managing General Agent12/18/2002
02-12-18Property/Casualty Insurance Form Endorsements12/23/2002
02-12-19Licensing Provisions12/24/2002
02-12-20Fair Claim Settlement12/24/2002
02-12-21Permissibility of Surcharges by Insurance Companies12/24/2002
02-12-22Priority of Payments in a No-Fault Claim12/24/2002
02-12-23Broker Commissions and other Compensation12/27/2002
02-12-24Combined Single Limit Motor Vehicle Liability Insurance Policy12/30/2002
02-12-25No-Fault Benefits - Pre-Approval of Biofeedback12/30/2002
02-12-26Classification of International Development Banks12/31/2002