Selected Opinions of The Office of General Counsel For The Year of 2003

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
03-01-01	Health Insurance, Creditable Coverage	01/02/2003
03-01-02	Control of Defense Under Regulation 107	01/02/2003
03-01-03	Compensation of National General Agent	01/03/2003
03-01-04	N.Y. Ins. Law 1411(f)	01/03/2003
03-01-05	Recovery of Workers' Compensation Loss Transfer	01/03/2003
03-01-06	"Optional Vehicle Protection" or "Collision Damage Waiver"	01/03/2003
03-01-07	Meaning of "Any One Risk" Under N.Y. Ins. Law 1115	01/03/2003
03-01-08	Commission Sharing	01/06/2003
03-01-09	Legal Prohibition on Purchase of Individual Health Insurance Coverage Where Group Coverage is Available	01/06/2003
03-01-10	Credit Card and Electronic Payment Fees	01/06/2003
03-01-11	"Splitting" a cause of action under no-fault laws	01/06/2003
03-01-12	Employer Sponsored Group Health Insurance	01/06/2003
03-01-13	Group Health Insurance, Coverage of Dependent Child	01/06/2003
03-01-14	Homeowners Insurance Policy & Workers Compensation Benefits for Domestic Worker	01/06/2003
03-01-15	Advertising requirements	01/07/2003
03-01-16	Mortgage Guaranty Insurance on Mixed Use Mortgages	01/07/2003
03-01-17	Settlement Agreement to Refund Insurance Premium	01/07/2003
03-01-18	Settlement Check Payee	01/07/2003
03-01-19	License For Non-Resident Insurance Consultant	01/07/2003
03-01-20	Insurance Agents & Permissible Fees	01/07/2003
03-01-21	Unaffiliated Not-for-Profit Cultural Institutions Seeking Group Property/Casualty Insurance	01/07/2003
03-01-22	Proposed residual value insurance program	01/08/2003
03-01-23	N.Y. Ins. Law 2122(a)(2) (McKinney 2000) Advertisements	01/07/2003
03-01-24	Electronic Data Gathering and Records Retention of Insurance Applications and Related Documents	01/13/2003
03-01-25	Licensing as an independent adjuster	01/13/2003
03-01-26	No-Fault Assignment of Benefits 11 NYCRR 65 (Regulation 68)	01/13/2003
03-01-27	Referral or finder fee from a premium finance agency to an insurance agent or broker	01/13/2003
03-01-28	Notices of Cancellation, Nonrenewal, and Conditional Renewal Applicable to For-Hire (Livery) Vehicles with Commercial Insurance Individually Underwritten in the Voluntary Market	01/14/2003
03-01-29	N.Y. Comp. Codes R. & Reg. tit. 11, Part 60 (1999) Auto Liability Insurance / Policy Coverage Exclusions	01/14/2003
03-01-30	Comprehensive Omnibus Budget Reconciliation Act of 1986 (COBRA) & Billing	01/14/2003
03-01-31	Brokers Payment of Premium By Credit Card	01/14/2003
03-01-32	Prescription Drug Coverage, Pharmacy Management Companies	01/14/2003
03-01-33	Standards of Record Retention	01/15/2003
03-01-34	Motor Club Roadside Service Plans	01/13/2003
03-01-35	No-Fault Billing for Ambulette Services 11 NYCRR 65 (Regulation 68)	01/16/2003
03-01-36	Compensation to Non-Licensees for Referrals	01/16/2003
03-01-37	Political Risk Insurance	01/16/2003
03-01-38	No-Fault Additional Personal Injury Protection	01/17/2003
03-01-39	Submission of Part C Affidavits to Excess Line Brokers by Means of Facsimile Transmission	01/17/2003
03-01-40	Cancellation of a voluntary market commercial property/casualty insurance policy for non-payment of premium	01/17/2003
03-01-41	Premium Finance Agreements	01/21/2003
03-01-42	Service Contract Provider	01/22/2003
03-01-43	The Life Insurance Company Guaranty Corporation of New York Act	01/23/2003
03-01-44	Group Life Insurance & Coverage of Grandchildren	01/23/2003
03-01-45	Letters of Credit	01/23/2003
03-01-46	N.Y. Ins. Law 1307- Contingent Liability for Borrowings	01/28/2003
03-01-47	Regulation 114 Trust & Commercial Mortgage-Backed Securities	01/29/2003
03-01-48	Entitlement to Commissions after Expiration of Brokers License	01/30/2003
03-01-49	Health Insurance, Appeal of Adverse Determinations	01/31/2003

03-02-01	Payment of Settlement Amount Architects Fees	02/03/2003
03-02-02	Filing requirements of property/casualty insurance policy forms	02/04/2003
03-02-03	Surety Bond	02/05/2003
03-02-04	Proposed Investment - Empire Zone	02/05/2003
03-02-05	Licensing Requirements for Independent Adjusters Located Outside of New York	02/06/2003
03-02-06	Banks and Insurance	02/06/2003
03-02-07	Insurance Brokerage Arrangement	02/06/2003
03-02-08	Effect of a defective assignment on the payment of a No-Fault health service claim	02/06/2003
03-02-09	Commissions	02/07/2003
03-02-10	Doing an Insurance Business	02/07/2003
03-02-11	Alternative Renewal Notice	02/11/2003
03-02-12	Failure to Attend a No-Fault IME	02/11/2003
03-02-13	Time requirement to submit medical proof of claim to insurer	02/11/2003
03-02-14	Retention of Insurance Premium Finance Agreement	02/12/2003
03-02-15	Referral Fee to Websites	02/13/2003
03-02-16	Limitations on commissions under 2324 for business placed by a producer in regard to the producers or its affiliates property or risks that are located outside New York	02/14/2003
03-02-17	Multiple Employer Welfare Arrangements (MEWA), State Regulation	02/14/2003
03-02-18	Assignments & Authorizations to Pay No-Fault Benefits	02/18/2003
03-02-19	Transfer of insurance agency ownership to a trust	02/19/2003
03-02-20	Propriety of Advertisement including the term "Money-Saving Offers"	02/19/2003
03-02-21	Licensed Independent Adjuster Corporation's Advice on Questions of Law	02/19/2003
03-02-22	Guaranteed annuities	02/20/2003
03-02-23	Road Hazard Protector Plan	02/20/2003
03-02-24	Employee Welfare Funds, Womens Health Statute	02/20/2003
03-02-25	Debt cancellation lender insurance issued by unauthorized insurer outside of New York	02/20/2003
03-02-26	Meaning of "Written Statement" Under N.Y. Penal Law 176.05	02/24/2003
03-02-27	Third Party Administrator	02/24/2003
03-02-28	Concurrent Care Involving Physical Therapy	02/25/2003
03-02-29	Advertising Requirements for Accident and Health Insurance	02/25/2003
03-02-30	Health Insurance Coverage of Minor Child of Divorced Parents	02/26/2003
03-02-31	Attorneys Fees Reimbursable under No-Fault	02/26/2003
03-02-32	Regulation 114 Trusts / Permissible Assets Requirements	02/27/2003
03-02-33	Sharing of Commissions For Referrals	02/27/2003
03-02-34	Paper Documentation Fee	02/28/2003
03-02-35	Rating a motor vehicle policy with a youthful operator	02/06/2003
03-02-36	Bail Bond Business	02/03/2003

03-03-01	Recommendation of an auto body shop to the insured by an insurance agent who works exclusively for one insurer	03/03/2003
03-03-02	Inquiry Regarding Fees	03/05/2003
03-03-03	Insurance Law Section 3425; Automobile Insurance	03/05/2003
03-03-04	Health Insurance Portability and Accountability Act (HIPAA)	03/06/2003
03-03-05	Need for Non-resident Agents License	03/06/2003
03-03-06	Viatical Settlements	03/07/2003
03-03-07	Patent Infringement Abatement Insurance	03/10/2003
03-03-08	Waiver of Group Health Insurance Coverage	03/11/2003
03-03-09	Vehicle service contract	03/14/2003
03-03-10	Insurance Law Section 2119 Broker Compensation Agreement	03/17/2003
03-03-11	Sharing Commissions with Unlicensed Entities for Referrals	03/17/2003
03-03-12	Lead Paint Exclusion in an Excess Line Policy	03/17/2003
03-03-13	Health Insurance Portability & Accountability Act (HIPAA), Privacy Requirements	03/18/2003
03-03-14	Customer Records and N.Y. Comp. Codes R. & Regs. tit. 11, 420.0-420.25 (2001) (Reg. 169)	03/18/2003
03-03-15	Hole-in-one insurance	03/18/2003
03-03-16	Group Health Insurance, Continuation and Conversion Requirements	03/18/2003
03-03-17	Independent Financial Examination Under Regulation 120	03/18/2003
03-03-18	Application of Excess Line Taxes and Rate Filing Requirements to Excess Line Marine Insurance Placements	03/20/2003
03-03-19	Referral of Bank Customer to Affiliated Insurance Agency	03/21/2003
03-03-20	Joint Venture/Title Insurance Agency	03/24/2003
03-03-21	Jewelers Block Excess Lines Policy	03/24/2003
03-03-22	Exemption of Annuity Proceeds from Creditors N.Y. Ins. Law 3212(d)	03/26/2003
03-03-23	Proposed Investment	03/28/2003
03-03-24	Purchase of a Life Insurance Policy outside of New York from an Authorized Insurer	03/31/2003
03-03-25	Criminal Conviction of an insured	03/31/2003
03-03-26	Health Service Billings Under No-Fault	03/07/2003
03-03-27	SUM Arbitration	03/25/2003
03-03-28	Association Membership Benefits	03/28/2003

03-04-01	Employer Sponsored Group Health Insurance, Waiver of Coverage	04/01/2003
03-04-02	Right of the United States to recover from a No-Fault insurer the reasonable cost to the United States of health services provided to a member of the Armed Forces at a Army hospital	04/01/2003
03-04-03	No-Fault claim for physical therapy services performed outside of the United States	04/01/2003
03-04-04	Enforceability of mold exclusions in New York policies	04/01/2003
03-04-05	Livestock Insurance and Terrorism Risk Insurance Act of 2002	04/01/2003
03-04-06	Workers Compensation and No-Fault Coverage	04/01/2003
03-04-07	Independent Adjuster Licensing Status of a Licensed Attorney	04/02/2003
03-04-08	Tort Recovery, Recoupment of Payment by Health Maintenance Organization	04/03/2003
03-04-09	Non-participating Healthcare Provider; Balance Billing	04/04/2003
03-04-10	Group Accident & Health Insurance, Sole Proprietors	04/04/2003
03-04-11	Bank sales of Debt Suspension Agreements and Debt Cancellation Contracts	04/04/2003
03-04-12	Premium Audit Conducted After 180 Days From Policy Expiration	04/07/2003
03-04-13	Section 3440 of the Insurance Law and Amendment to New York General Business Law (GBL) 396-z (Rental Vehicle Protections)	04/07/2003
03-04-14	Out-of-State Multiple Employer Welfare Association (MEWA), Operations in New York	04/07/2003
03-04-15	Excess line premium tax allocation	04/07/2003
03-04-16	Retention and Disclosure of Automobile Claim Files (Regulation 152 and 169	04/07/2003
03-04-17	In-Network Provider of Non-HMO Health Plan & Subscriber Co-Payment	04/08/2003
03-04-18	Viatical Settlements	04/08/2003
03-04-19	Gifts and Prizes In Connection With Agency Open House Celebration	04/08/2003
03-04-20	Restricted Driver Endorsement on Automobile Insurance Policy	04/09/2003
03-04-21	Termination of Property and Casualty Personal Lines Insurance Agents	04/09/2003
03-04-22	Requiring Supplemental Spousal Liability Coverage To Be Included In All Motor Vehicle Policies Issued To A Single Household When Insured Requests Coverage Under One Policy	04/16/2003
03-04-23	Applicability of Excess Line Premium Tax to an Indian Tribe	04/16/2003
03-04-24	No-Fault Insurance; Coordination with Workers Compensation	04/17/2003
03-04-25	Different Premiums for Renewals and New Policyholders in the Same Territory	04/17/2003
03-04-26	Licensing of a Limited Liability Company	04/17/2003
03-04-27	Placing Business with Unauthorized Insurer	04/21/2003
03-04-28	Licensing requirement for processing health insurance claims	04/22/2003
03-04-29	Independent Adjuster Licensing	04/23/2003
03-04-30	N.Y. Ins. Law 3224-a (McKinney 2000) ("The Prompt Pay Statute"	04/28/2003
03-04-31	Cancellation of Insurance Policy for Non-Payment of Premium Installment Fee, Late Payment Fee, and Reinstatement Fee	04/29/2003
03-04-32	Broker-to-Agent Payment of Commission	04/29/2003
03-04-33	Jewelry companys Extended care plan and "guarantee"	04/29/2003
03-04-34	Health Insurance Portability and Accountability Act (HIPAA), Privacy	04/30/2003
03-04-35	No-Fault Lien - Out of State Accident	04/30/2003
03-04-36	Insurance Regulation No. 68 No-Fault Benefits	04/30/2003

03-05-01	Application of NY Ins Law 3205(b)(3)	05/01/2003
03-05-02	Application of N.Y. Ins. Law 403 and Regulation 95 Requirement of Fraud Notices in Applications and Claim Forms to Excess Line Placements	05/05/2003
03-05-03	Nonpayment of Initial Premium	05/05/2003
03-05-04	E-mail Documents in lieu of Paper Documents	05/07/2003
03-05-05	Promotional Discounts NY Ins Law 2324 (McKinney Supp 2003)	05/07/2003
03-05-06	Health Insurance Portability and Accountability Act (HIPAA)	05/07/2003
03-05-07	No-Fault Notice of Accident Requirement	05/07/2003
03-05-08	Times for record retention applicable to insurers, insurance agents, and insurance brokers	05/07/2003
03-05-09	Service Contracts and the Applicability of the McCarran-Ferguson Act	05/09/2003
03-05-10	Cancellation of Premium Financed Policies	05/12/2003
03-05-11	Public Adjusters Fee Check Mortgagee as Payee	05/12/2003
03-05-12	Applicability of NY Ins Law 3425(d) & (e)(McKinney Supp 2003) to Marine (Yacht) Insurance	05/12/2003
03-05-13	Coverage by the Life Insurance Company Guaranty Corporation of New York	05/16/2003
03-05-14	N.Y. Comp. Codes R. & Regs. tit.11, 420.17 (2001) and N.Y. Workers Comp. Law 110-a(1)(d)(McKinney 2003)	05/19/2003
03-05-15	Election of Domestic Mutual Life Insurance Company Directors	05/20/2003
03-05-16	Right to Receive Commissions and Place Business Following Change of Employment and Relocation to Another State	05/20/2003
03-05-17	Certificates of Insurance and Endorsements	05/20/2003
03-05-18	Risk Retention and Theft Protection Program	05/20/2003
03-05-19	Group Disability Income Policy, Definition of Disability	05/21/2003
03-05-20	Insurance Law Article 79 / Service Contracts	05/21/2003
03-05-21	Service Fees and Reductions in Commissions	05/22/2003
03-05-22	Homeowners Insurance Policy & Workers Compensation Benefits for Domestic Worker	05/23/2003
03-05-23	Letters of Credit & Regulation 133	05/27/2003
03-05-24	No-Fault Insurance, Transfer of Health Information from Hospital to Insurer. Privacy Requirements	05/28/2003
03-05-25	Stock Risk Management Product	05/28/2003
03-05-26	Parents Access to Childs Health Information, Health Insurance Portability & Accountability Act (HIPAA)	05/28/2003

03-06-01	Insurable Interest- N.Y. Ins. Law 3205	06/03/2003
03-06-02	Court Filing Costs Under No-Fault	06/09/2003
03-06-03	Compensating Non-licensees for Providing Insurance Quotes	06/10/2003
03-06-04	Insurance Agencys Obligation to Provide Privacy Notices to Consumers and Customers (Regulation 169)	06/10/2003
03-06-05	Blanket Accident and Health Insurance Policy/Limitations on Chiropractic or Physical Therapy Services	06/10/2003
03-06-06	Coverage by the Life Insurance Company Guaranty Corporation of New York	06/10/2003
03-06-07	Insurance Law Article 79 Service Contracts & Warranties	06/11/2003
03-06-08	Credit for Reinsurance Involving Property/Casualty Risks	06/11/2003
03-06-09	First Year Commissions to a Non-licensee Former Insurance Agent	06/11/2003
03-06-10	Risk Retention Groups and Motor Vehicle Financial Responsibility Insurance	06/12/2003
03-06-11	Claims Adjustment From Outside New York By Non-Licensee	06/03/2003
03-06-12	Requirements to qualify as "Same Industry Trust"	06/03/2003
03-06-13	Automobile Lessor Charging a Fee to Lessee to Cover Physical Damage to the Automobile	06/05/2003
03-06-14	Insurance Law Section 4224 /Inducement to Purchase Insurance	06/06/2003
03-06-15	Request by the United States Department of Justice for Nonpublic Personal Information	06/17/2003
03-06-16	Insurance Coverage of Domestic Partners	06/18/2003
03-06-17	Prescription Drug Benefits	06/18/2003
03-06-18	Minimum Earned Premium and Assessment Corporation	06/19/2003
03-06-19	Bonus Fee Paid by Licensed Agent to Unlicensed Telemarketers	06/19/2003
03-06-20	Approval of Structured Settlement Annuity	06/19/2003
03-06-21	Promotional Gifts	06/20/2003
03-06-22	Display of license	06/20/2003
03-06-23	Judicial Determination as to Sufficiency of Bail Bonds	06/23/2003
03-06-24	CAPCO Program	06/26/2003
03-06-25	Record Retention	06/26/2003
03-06-26	Direct Placement of New York Insured With an Alien Insurer	06/26/2003
03-06-27	Commercial property insurance terrorism limitation for fire following	06/26/2003
03-06-28	Record Retention Requirements for Agents and Brokers	06/27/2003
03-06-29	Attorney Licensing Requirement-Commissions on Sale of Insurance	06/30/2003
03-06-30	Insurance Law Reg. 68 (11 NYCRR 65) Notice of Claim for No-Fault Health Services	06/30/2003

03-07-01	Use of Credit Card for Premium Payments	07/02/2003
03-07-02	Loss of Rental Income Claims and Public Adjusters	07/02/2003
03-07-03	Supplemental Spousal Liability Coverage Notice; Permissibility of Specifying Percentage in Lieu of Dollar Amount	07/02/2003
03-07-04	Cancellation by Excess Line Insurer of Financed Policy	07/07/2003
03-07-05	No-Fault: Waiving of Interest on Denied or Overdue Claims	07/07/2003
03-07-06	Extended warranties issued by distributor of trucks and by manufacturer of truck engines	07/07/2003
03-07-07	Group Annuity Contract Coverage under Article 77 Life Insurance Company Guaranty Corporation ("LICGC")	07/07/2003
03-07-08	Telephone Sales Transactions and Compliance with N.Y. Ins. Law 3429 and Regulation 90	07/08/2003
03-07-09	Procedure for Handling Threats Made Against Independent Adjusters	07/08/2003
03-07-10	Health Insurance Portability and Accountability Act (HIPAA) Privacy Requirements, Workers Compensation	07/08/2003
03-07-11	Health Insurance Portability and Accountability Act (HIPAA) Privacy Requirements, No-Fault and Workers Compensation	07/08/2003
03-07-12	Employee Retirement Income Security Act (ERISA), Multiple Employer Welfare Arrangement (MEWA)	07/08/2003
03-07-13	Borrowing Funds From Clients	07/11/2003
03-07-14	Electronic Payment Fees	07/11/2003
03-07-15	Request for Reconsideration: Rental Vehicle Coverage Opinion dated April 7, 2003	07/14/2003
03-07-16	Tire and Rim Program	07/15/2003
03-07-17	Insurable Interest Key Man Insurance	07/17/2003
03-07-18	Notification of Contractual Limitations Period to Commence Suit	07/17/2003
03-07-19	Adjusting claims for a self-insurer	07/18/2003
03-07-20	"Lease Price Guarantee" Program	07/18/2003
03-07-21	Advertisement of Health Insurance Policy	07/18/2003
03-07-22	N.Y. Comp. Codes R. & Regs. tit. 11, 52.16(f) (2002) & Group College Student Accident and Sickness Insurance Policies	07/18/2003
03-07-23	Satellite insurance	07/18/2003
03-07-24	Life Settlements/Electronic Exchange	07/21/2003
03-07-25	Prepaid Membership Plan for Patients	07/21/2003
03-07-26	Public Adjuster Payment Authorization	07/23/2003
03-07-27	Qualification of Assets for Use in a Regulation 114 Trust	07/28/2003
03-07-28	Supplemental spousal liability coverage on a business auto non-owners insurance policy	07/28/2003
03-07-29	Signature Requirement	07/28/2003
03-07-30	Contracts for the Provision of Unlimited Chiropractic Services to Patients	07/28/2003
03-07-31	Signing Blank or Incomplete Insurance Forms	07/29/2003
03-07-32	Vehicle Service Contract	07/29/2003
03-07-33	Insurance Agents' License Number Printed on Their Business Cards and/or Advertising Materials	07/30/2003
03-07-34	Replacement of Annuity Contracts and Regulation 60	07/31/2003
03-07-35	Claims Made and Reported Policies	07/31/2003
03-07-36	Request for Reconsideration: Office of General Counsel Opinion dated April 7, 2003 which Concluded that Rental Vehicle Coverage is not Subject to the Liability Limits in an Automobile Policy	07/09/2003
03-07-37	Rental Vehicles	07/16/2003
03-07-38	Rate Changes and N.Y. Ins. Law 3425	07/23/2003
03-07-39	Insurable Interest Requirement (Life Insurance)	07/07/2003

03-08-01	Marketing in New York health insurance that is to be provided outside of New York	08/01/2003
03-08-02	Licensing of Medicare+Choice Sales Representatives	08/01/2003
03-08-03	Regulation 114 Trusts Custody of Assets	08/01/2003
03-08-04	No-Fault OBEL Coverage and Loss Transfer	08/01/2003
03-08-05	Licensing and Appointment Documentation Records Retention	08/01/2003
03-08-06	No-Fault Assignments for Durable Medical Equipment	08/01/2003
03-08-07	No-Fault: Reimbursement for Court Filing Courts	08/01/2003
03-08-08	Municipal Cooperative Health Benefit Plans, New York Insurance Law Article 47 (McKinney 2000)	08/01/2003
03-08-09	"Sweep Accounts" and N.Y. Insurance Law 1409	08/01/2003
03-08-10	"Finders fees" for non-licensed entities	08/04/2003
03-08-11	Waiver of Mandatory Inspection Pursuant to N.Y. Comp. Codes R. & Regs. tit. 11, 67.3(b)(7)	08/05/2003
03-08-12	Sharing a Percentage of the Net Income of a Company with Non-licensees for Referrals	08/06/2003
03-08-13	Museums and N.Y. Ins. Law 3205(b)(3) (McKinney Supp. 2003)	08/07/2003
03-08-14	Coverage by the Life Insurance Company Guaranty Corporation of New York	08/08/2003
03-08-15	Regulation 135 and Aggregate Limits	08/12/2003
03-08-16	Premium Finance Agreements	08/12/2003
03-08-17	Compensation for Referrals	08/18/2003
03-08-18	Rate Changes	08/20/2003
03-08-19	Regulation 164 Licensing Requirements for Intermediary Entities that Enter into Financial Risks Transfer Arrangements with Insurers	08/26/2003
03-08-20	Membership Organizations Purchase of Health Insurance for Its Members	08/27/2003
03-08-21	Termination of Producer-Insurer Contract and N.Y. Ins. Law 3425(j)(1)(A)	08/27/2003

03-09-01	Property/Casualty Insurance Security Fund	09/02/2003
03-09-02	Licensing of Third Party Administrator as an Independent Adjuster	09/03/2003
03-09-03	State Warranty and Service Contract Requirements	09/03/2003
03-09-04	Attorneys Ownership of Title Insurance Company and the Giving of Rebates and Price Incentives	09/05/2003
03-09-05	Record Retention Documents Accompanying Applications	09/08/2003
03-09-06	Mold Exclusions in Property/Casualty Insurance Policies	09/08/2003
03-09-07	Compensation for Purchase of Customer Lists	09/09/2003
03-09-08	Notification of Utilization Review Determinations	09/09/2003
03-09-09	Imposition of Requirements on Surety Issuing Performance Bonds	09/09/2003
03-09-10	Fraud "Warning Statements" Under Regulation 95	09/09/2003
03-09-11	Non-renewal notices of unauthorized insurers	09/10/2003
03-09-12	Denial of Pre-Certification of Medical Procedure, Applicable Law	09/15/2003
03-09-13	Three-Year Policy Renewed as One-Year Policy & Necessity of Conditional Renewal Notice	09/18/2003
03-09-14	Financing of Brokers Fee by Premium Finance Agency and Written Authorization by Insured	09/18/2003
03-09-15	Excess Lines Placements	09/22/2003
03-09-16	Public Adjusters Fee Check	09/23/2003
03-09-17	Named Driver Exclusion in Commercial Auto Liability Policy	09/23/2003
03-09-18	Multiple Employer Welfare Arrangement (MEWA), New York Financial Requirements	09/24/2003
03-09-19	Licensing Requirements for Access Plans	09/25/2003
03-09-20	Internet Advertising	09/26/2003
03-09-21	Submission of No-Fault Assignments Via Facsimile Transmission	09/29/2003

03-10-01	Third Party Administrator of Group Dental Insurance	10/01/2003
03-10-02	Discount Health Plan	10/02/2003
03-10-03	Managing General Agent Sharing Office Space with an Insurer	10/03/2003
03-10-04	No-Fault Attorney Fees for Multiple Provider Bills	10/08/2003
03-10-05	Electronic Signatures	10/14/2003
03-10-06	N.Y. Ins. Law 4105(a)	10/15/2003
03-10-07	Non-Licensee Compensation	10/15/2003
03-10-08	Sale of Fine Art Title Insurance in New York	10/16/2003
03-10-09	Reimbursement of Administrative Fees to Unlicensed Associations	10/16/2003
03-10-10	Referrals for Bank Insurance Sales Activity	10/16/2003
03-10-11	Special Revenue Bonds	10/17/2003
03-10-12	Rental Vehicle Coverage Endorsement	10/17/2003
03-10-13	Section 3440 of the Insurance Law Rental Vehicle Coverage	10/17/2003
03-10-14	Health Insurance, Necessity of Pre-authorization for Treatment	10/21/2003
03-10-15	Insurance Agency as Limited Liability Company ("LLC")	10/21/2003
03-10-16	Agents of title insurance corporations; licensing inquiry	10/21/2003
03-10-17	Charitable Gift Annuities, Acceptable Consideration	10/22/2003
03-10-18	Sharing of Commission	10/27/2003
03-10-19	Personal Automobile Insurance Proposed Underwriting Rule	10/27/2003
03-10-20	New York Military Law Provisions Addressing Non-Lapse of Life Insurance	10/28/2003
03-10-21	Time Frame for Payment or Denial of Automobile Claims	10/28/2003
03-10-22	No-Fault Billing for Services Provided at Hospitals by Independent Contractors	10/29/2003
03-10-23	Group Health Insurance, Mandated Benefits	10/29/2003
03-10-24	Solicitation of Claims by Non-licensees on Behalf of Public Adjusters	10/29/2003
03-10-25	Authorized Insurance Carrier	10/30/2003
03-10-26	Applicability of Section 3426(g) of the Insurance Law	10/31/2003
03-10-27	Health Insurance, Insurers Retroactive Reversal of Authorization for Durable Medical Equipment	10/31/2003
03-10-28	Referral fee for non-licensed entities	10/31/2003
03-10-29	Replacement of Long Term Care Insurance, Agents Compensation	10/31/2003
03-10-30	Raffles	10/31/2003
03-10-31	Service Contracts with Minors	10/01/2003
03-10-32	Search, Arrest, and Law Enforcement Authority	10/07/2003
03-10-33	Analysis of life insurance needs by a CPA	10/30/2003
03-10-34	Insurance Law Section 2108 / Adjusters	10/23/2003
03-10-35	N.Y. Ins. Law 1101 Doing an Insurance Business	10/31/2003
03-10-36	Notification of Late Payment Fee and Reinstatement Fee	10/01/2003

03-11-01	Explanations of Benefits; Release to Insureds Supplier	11/03/2003
03-11-02	Employer Sponsored Group Health Insurance & Coverage of Former Spouse of Employee	11/03/2003
03-11-03	Cancellation	11/04/2003
03-11-04	Business SUM Coverage Under the Property/Casualty Insurance Security Fund	11/05/2003
03-11-05	Exclusion in an Excess Line Policy	11/07/2003
03-11-06	Attachment of Annuities	11/10/2003
03-11-07	Multiple Employer Welfare Associations (MEWA)	11/12/2003
03-11-08	Defensive Driving Class at Reduced Rate	11/12/2003
03-11-09	Cancellation by excess line insurer of financed policy	11/12/2003
03-11-10	Decertification/ Revocation or Recapture of Tax Credits for Failure to Meet Requirements of N.Y. Tax Law 11(h)(3)	11/13/2003
03-11-11	N.Y. Ins. Law 3446 (McKinney 2000) Product or System Group Insurance Policy	11/18/2003
03-11-12	Referrals to Agents and Brokers by Non-Licensees	11/18/2003
03-11-13	Referrals to Insurers	11/19/2003
03-11-14	Cancellation of Credit Life or Credit Disability Policy and Calculation of Unearned Premiums	11/19/2003
03-11-15	Automobile Distributors Vehicle Service Contract	11/19/2003
03-11-16	Title Search Guarantee Premium/Fee	11/20/2003
03-11-17	Insurance Fraud	11/20/2003
03-11-18	No-Fault Lost Wages-Overtime	11/20/2003
03-11-19	Terrorism Exclusions in New York Insurance Policies	11/21/2003
03-11-20	Relocation of Principal Business under N.Y. Tax Law 11(d)(2)	11/21/2003
03-11-21	Insurance Regulation No. 35-A (11 NYCRR 60-1.1); Minimum Provisions / Auto Liability Policies	11/26/2003
03-11-22	Complaint reporting requirements	11/28/2003

03-12-01	Non-admitted Insurers Premium Quotes and Broker of Record Letters	12/01/2003
03-12-02	Automotive theft & road hazard programs	12/01/2003
03-12-03	Licensing of Limited Liability Companies	12/02/2003
03-12-04	Internal Replacement of Life Insurance, Regulation 60	12/02/2003
03-12-05	Income Insurance, Privacy Considerations	12/03/2003
03-12-06	Reserve Investments for Non-life Insurers	12/05/2003
03-12-07	Definition of "Industrial Insured" Under the New York Captive Insurers Law	12/05/2003
03-12-08	Use of New York State Tax Credits and the New York Retaliatory Tax	12/09/2003
03-12-09	Application of N.Y. Ins. Law 3426(g)(2) (McKinney 2000)	12/09/2003
03-12-10	Company-Owned Life Insurance as an Admitted Asset	12/09/2003
03-12-11	Group Health Insurance: Coverage of New York Residents	12/10/2003
03-12-12	Health Insurance, Continuation Requirement	12/10/2003
03-12-13	Decertification / Revocation or Recapture of Tax Credits for Failure to Meet Requirements of N.Y. Tax Law 11(h)(3)	12/10/2003
03-12-14	Rental Car Company: Recovery of All Elements of Damage to Rental Car	12/11/2003
03-12-15	Health Insurance, Retroactive Reversal of Claim	12/16/2003
03-12-16	SUM Coverage Offset	12/16/2003
03-12-17	Web Site Disclosure Requirements for Insurance Agents and Brokers	12/16/2003
03-12-18	Proposed Restructuring of a Reciprocal Insurers Attorney-in-Fact	12/16/2003
03-12-19	Employer Sponsored Health Insurance	12/22/2003
03-12-20	Public Adjuster Retainer Agreements and Regulation 10	12/22/2003
03-12-21	120 Day Status Letter on Subrogation Claim	12/24/2003
03-12-22	Family Deductibles for No-Fault Insurance	12/29/2003
03-12-23	Credits Applied for Insurance Cost on Construction Bids	12/30/2003
03-12-24	Independent and Public Adjusters	12/23/2003

Selected Opinions of The Office of General Counsel For The Year of 2003

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