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.

January | February | March | April | May | June | July | August | September | October | November | December

Opinion NumberSubjectDate Issued
03-01-01Health Insurance, Creditable Coverage01/02/2003
03-01-02Control of Defense Under Regulation 10701/02/2003
03-01-03Compensation of National General Agent01/03/2003
03-01-04N.Y. Ins. Law 1411(f)01/03/2003
03-01-05Recovery of Workers' Compensation Loss Transfer01/03/2003
03-01-06"Optional Vehicle Protection" or "Collision Damage Waiver"01/03/2003
03-01-07Meaning of "Any One Risk" Under N.Y. Ins. Law 111501/03/2003
03-01-08Commission Sharing01/06/2003
03-01-09Legal Prohibition on Purchase of Individual Health Insurance Coverage Where Group Coverage is Available01/06/2003
03-01-10Credit Card and Electronic Payment Fees01/06/2003
03-01-11"Splitting" a cause of action under no-fault laws01/06/2003
03-01-12Employer Sponsored Group Health Insurance01/06/2003
03-01-13Group Health Insurance, Coverage of Dependent Child01/06/2003
03-01-14Homeowners Insurance Policy & Workers' Compensation Benefits for Domestic Worker01/06/2003
03-01-15Advertising requirements01/07/2003
03-01-16Mortgage Guaranty Insurance on Mixed Use Mortgages01/07/2003
03-01-17Settlement Agreement to Refund Insurance Premium01/07/2003
03-01-18Settlement Check Payee01/07/2003
03-01-19License For Non-Resident Insurance Consultant01/07/2003
03-01-20Insurance Agents & Permissible Fees01/07/2003
03-01-21Unaffiliated Not-for-Profit Cultural Institutions Seeking Group Property/Casualty Insurance01/07/2003
03-01-22Proposed residual value insurance program01/08/2003
03-01-23N.Y. Ins. Law 2122(a)(2) (McKinney 2000) – Advertisements01/07/2003
03-01-24Electronic Data Gathering and Records Retention of Insurance Applications and Related Documents01/13/2003
03-01-25Licensing as an independent adjuster01/13/2003
03-01-26No-Fault Assignment of Benefits 11 NYCRR 65 (Regulation 68)01/13/2003
03-01-27Referral or finder fee from a premium finance agency to an insurance agent or broker01/13/2003
03-01-28Notices of Cancellation, Nonrenewal, and Conditional Renewal Applicable to For-Hire (Livery) Vehicles with Commercial Insurance Individually Underwritten in the Voluntary Market01/14/2003
03-01-29N.Y. Comp. Codes R. & Reg. tit. 11, Part 60 (1999) Auto Liability Insurance / Policy Coverage Exclusions01/14/2003
03-01-30Comprehensive Omnibus Budget Reconciliation Act of 1986 (COBRA) & Billing01/14/2003
03-01-31Broker's Payment of Premium By Credit Card01/14/2003
03-01-32Prescription Drug Coverage, Pharmacy Management Companies01/14/2003
03-01-33Standards of Record Retention01/15/2003
03-01-34Motor Club Roadside Service Plans01/13/2003
03-01-35No-Fault Billing for Ambulette Services 11 NYCRR 65 (Regulation 68)01/16/2003
03-01-36Compensation to Non-Licensees for Referrals01/16/2003
03-01-37Political Risk Insurance01/16/2003
03-01-38No-Fault Additional Personal Injury Protection01/17/2003
03-01-39Submission of Part C Affidavits to Excess Line Brokers by Means of Facsimile Transmission01/17/2003
03-01-40Cancellation of a voluntary market commercial property/casualty insurance policy for non-payment of premium01/17/2003
03-01-41Premium Finance Agreements01/21/2003
03-01-42Service Contract Provider01/22/2003
03-01-43

The Life Insurance Company Guaranty Corporation of New York Act

01/23/2003
03-01-44Group Life Insurance & Coverage of Grandchildren01/23/2003
03-01-45Letters of Credit01/23/2003
03-01-46N.Y. Ins. Law 1307- Contingent Liability for Borrowings01/28/2003
03-01-47Regulation 114 Trust & Commercial Mortgage-Backed Securities01/29/2003
03-01-48Entitlement to Commissions after Expiration of Broker's License01/30/2003
03-01-49Health Insurance, Appeal of Adverse Determinations01/31/2003
   
03-02-01Payment of Settlement Amount - Architect's Fees02/03/2003
03-02-02Filing requirements of property/casualty insurance policy forms02/04/2003
03-02-03Surety Bond02/05/2003
03-02-04Proposed Investment - Empire Zone02/05/2003
03-02-05Licensing Requirements for Independent Adjusters Located Outside of New York02/06/2003
03-02-06Banks and Insurance02/06/2003
03-02-07Insurance Brokerage Arrangement02/06/2003
03-02-08Effect of a defective assignment on the payment of a No-Fault health service claim02/06/2003
03-02-09Commissions02/07/2003
03-02-10Doing an Insurance Business02/07/2003
03-02-11Alternative Renewal Notice02/11/2003
03-02-12Failure to Attend a No-Fault IME02/11/2003
03-02-13Time requirement to submit medical proof of claim to insurer02/11/2003
03-02-14Retention of Insurance Premium Finance Agreement02/12/2003
03-02-15Referral Fee to Websites02/13/2003
03-02-16Limitations on commissions under 2324 for business placed by a producer in regard to the producer's or its affiliates’ property or risks that are located outside New York02/14/2003
03-02-17Multiple Employer Welfare Arrangements (MEWA), State Regulation02/14/2003
03-02-18Assignments & Authorizations to Pay No-Fault Benefits02/18/2003
03-02-19Transfer of insurance agency ownership to a trust02/19/2003
03-02-20Propriety of Advertisement including the term "Money-Saving Offers"02/19/2003
03-02-21Licensed Independent Adjuster Corporation's Advice on Questions of Law02/19/2003
03-02-22Guaranteed annuities02/20/2003
03-02-23Road Hazard Protector Plan02/20/2003
03-02-24Employee Welfare Funds, Women's Health Statute02/20/2003
03-02-25Debt cancellation lender insurance issued by unauthorized insurer outside of New York02/20/2003
03-02-26Meaning of "Written Statement" Under N.Y. Penal Law 176.0502/24/2003
03-02-27Third Party Administrator02/24/2003
03-02-28Concurrent Care Involving Physical Therapy02/25/2003
03-02-29Advertising Requirements for Accident and Health Insurance02/25/2003
03-02-30Health Insurance Coverage of Minor Child of Divorced Parents02/26/2003
03-02-31Attorney's Fees Reimbursable under No-Fault02/26/2003
03-02-32Regulation 114 Trusts / Permissible Assets Requirements02/27/2003
03-02-33Sharing of Commissions For Referrals02/27/2003
03-02-34Paper Documentation Fee02/28/2003
03-02-35Rating a motor vehicle policy with a youthful operator02/06/2003
03-02-36Bail Bond Business02/03/2003
   
03-03-01Recommendation of an auto body shop to the insured by an insurance agent who works exclusively for one insurer03/03/2003
03-03-02Inquiry Regarding Fees03/05/2003
03-03-03Insurance Law Section 3425; Automobile Insurance03/05/2003
03-03-04Health Insurance Portability and Accountability Act (HIPAA)03/06/2003
03-03-05Need for Non-resident Agent's License03/06/2003
03-03-06Viatical Settlements03/07/2003
03-03-07Patent Infringement Abatement Insurance03/10/2003
03-03-08Waiver of Group Health Insurance Coverage03/11/2003
03-03-09Vehicle service contract03/14/2003
03-03-10Insurance Law Section 2119 Broker Compensation Agreement03/17/2003
03-03-11Sharing Commissions with Unlicensed Entities for Referrals03/17/2003
03-03-12Lead Paint Exclusion in an Excess Line Policy03/17/2003
03-03-13Health Insurance Portability & Accountability Act (HIPAA), Privacy Requirements03/18/2003
03-03-14Customer Records and N.Y. Comp. Codes R. & Regs. tit. 11, 420.0-420.25 (2001) (Reg. 169)03/18/2003
03-03-15Hole-in-one insurance03/18/2003
03-03-16Group Health Insurance, Continuation and Conversion Requirements03/18/2003
03-03-17Independent Financial Examination Under Regulation 12003/18/2003
03-03-18Application of Excess Line Taxes and Rate Filing Requirements to Excess Line Marine Insurance Placements03/20/2003
03-03-19Referral of Bank Customer to Affiliated Insurance Agency03/21/2003
03-03-20Joint Venture/Title Insurance Agency03/24/2003
03-03-21Jeweler's Block Excess Lines Policy03/24/2003
03-03-22Exemption of Annuity Proceeds from Creditors - N.Y. Ins. Law 3212(d)03/26/2003
03-03-23

Proposed Investment

03/28/2003
03-03-24Purchase of a Life Insurance Policy outside of New York from an Authorized Insurer03/31/2003
03-03-25Criminal Conviction of an insured03/31/2003
03-03-26Health Service Billings Under No-Fault03/07/2003
03-03-27SUM Arbitration03/25/2003
03-03-28Association Membership Benefits03/28/2003
   
03-04-01Employer Sponsored Group Health Insurance, Waiver of Coverage04/01/2003
03-04-02Right 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 hospital04/01/2003
03-04-03No-Fault claim for physical therapy services performed outside of the United States04/01/2003
03-04-04Enforceability of mold exclusions in New York policies04/01/2003
03-04-05Livestock Insurance and Terrorism Risk Insurance Act of 200204/01/2003
03-04-06Workers’ Compensation and No-Fault Coverage04/01/2003
03-04-07Independent Adjuster Licensing - Status of a Licensed Attorney04/02/2003
03-04-08Tort Recovery, Recoupment of Payment by Health Maintenance Organization04/03/2003
03-04-09Non-participating Healthcare Provider; Balance Billing04/04/2003
03-04-10Group Accident & Health Insurance, Sole Proprietors04/04/2003
03-04-11Bank sales of Debt Suspension Agreements and Debt Cancellation Contracts04/04/2003
03-04-12Premium Audit Conducted After 180 Days From Policy Expiration04/07/2003
03-04-13Section 3440 of the Insurance Law and Amendment to New York General Business Law (GBL) 396-z (Rental Vehicle Protections)04/07/2003
03-04-14Out-of-State Multiple Employer Welfare Association (MEWA), Operations in New York04/07/2003
03-04-15Excess line premium tax allocation04/07/2003
03-04-16Retention and Disclosure of Automobile Claim Files (Regulation 152 and 16904/07/2003
03-04-17In-Network Provider of Non-HMO Health Plan & Subscriber Co-Payment04/08/2003
03-04-18Viatical Settlements04/08/2003
03-04-19Gifts and Prizes In Connection With Agency Open House Celebration04/08/2003
03-04-20Restricted Driver Endorsement on Automobile Insurance Policy04/09/2003
03-04-21Termination of Property and Casualty Personal Lines Insurance Agents04/09/2003
03-04-22Requiring Supplemental Spousal Liability Coverage To Be Included In All Motor Vehicle Policies Issued To A Single Household When Insured Requests Coverage Under One Policy04/16/2003
03-04-23Applicability of Excess Line Premium Tax to an Indian Tribe04/16/2003
03-04-24No-Fault Insurance; Coordination with Workers' Compensation04/17/2003
03-04-25Different Premiums for Renewals and New Policyholders in the Same Territory04/17/2003
03-04-26Licensing of a Limited Liability Company04/17/2003
03-04-27Placing Business with Unauthorized Insurer04/21/2003
03-04-28Licensing requirement for processing health insurance claims04/22/2003
03-04-29Independent Adjuster Licensing04/23/2003
03-04-30N.Y. Ins. Law 3224-a (McKinney 2000) ("The Prompt Pay Statute"04/28/2003
03-04-31Cancellation of Insurance Policy for Non-Payment of Premium Installment Fee, Late Payment Fee, and Reinstatement Fee04/29/2003
03-04-32Broker-to-Agent Payment of Commission04/29/2003
03-04-33Jewelry company's Extended care plan and "guarantee"04/29/2003
03-04-34Health Insurance Portability and Accountability Act (HIPAA), Privacy04/30/2003
03-04-35No-Fault Lien - Out of State Accident04/30/2003
03-04-36Insurance Regulation No. 68 No-Fault Benefits04/30/2003
   
03-05-01Application of NY Ins Law 3205(b)(3)05/01/2003
03-05-02Application of N.Y. Ins. Law 403 and Regulation 95 Requirement of Fraud Notices in Applications and Claim Forms to Excess Line Placements05/05/2003
03-05-03

Nonpayment of Initial Premium

05/05/2003
03-05-04E-mail Documents in lieu of Paper Documents05/07/2003
03-05-05Promotional Discounts NY Ins Law 2324 (McKinney Supp 2003)05/07/2003
03-05-06Health Insurance Portability and Accountability Act (HIPAA)05/07/2003
03-05-07No-Fault Notice of Accident Requirement05/07/2003
03-05-08Times for record retention applicable to insurers, insurance agents, and insurance brokers05/07/2003
03-05-09Service Contracts and the Applicability of the McCarran-Ferguson Act05/09/2003
03-05-10Cancellation of Premium Financed Policies05/12/2003
03-05-11Public Adjuster's Fee Check - Mortgagee as Payee05/12/2003
03-05-12Applicability of NY Ins Law 3425(d) & (e)(McKinney Supp 2003) to Marine (Yacht) Insurance05/12/2003
03-05-13Coverage by the Life Insurance Company Guaranty Corporation of New York05/16/2003
03-05-14N.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
03-05-15Election of Domestic Mutual Life Insurance Company Directors05/20/2003
03-05-16Right to Receive Commissions and Place Business Following Change of Employment and Relocation to Another State05/20/2003
03-05-17Certificates of Insurance and Endorsements05/20/2003
03-05-18Risk Retention and Theft Protection Program05/20/2003
03-05-19Group Disability Income Policy, Definition of Disability05/21/2003
03-05-20Insurance Law Article 79 / Service Contracts05/21/2003
03-05-21Service Fees and Reductions in Commissions05/22/2003
03-05-22Homeowners Insurance Policy & Workers' Compensation Benefits for Domestic Worker05/23/2003
03-05-23Letters of Credit & Regulation 13305/27/2003
03-05-24No-Fault Insurance,  Transfer of Health Information from Hospital to Insurer.   Privacy Requirements05/28/2003
03-05-25Stock Risk Management Product05/28/2003
03-05-26Parent's Access to Child's Health Information, Health Insurance Portability & Accountability Act (HIPAA)05/28/2003
   
03-06-01Insurable Interest- N.Y. Ins. Law 320506/03/2003
03-06-02Court Filing Costs Under No-Fault06/09/2003
03-06-03Compensating Non-licensees for Providing Insurance Quotes06/10/2003
03-06-04Insurance Agency's Obligation to Provide Privacy Notices to Consumers and Customers (Regulation 169)06/10/2003
03-06-05Blanket Accident and Health Insurance Policy/Limitations on Chiropractic or Physical Therapy Services06/10/2003
03-06-06Coverage by the Life Insurance Company Guaranty Corporation of New York06/10/2003
03-06-07Insurance Law Article 79 Service Contracts & Warranties06/11/2003
03-06-08Credit for Reinsurance Involving Property/Casualty Risks06/11/2003
03-06-09First Year Commissions to a Non-licensee Former Insurance Agent06/11/2003
03-06-10Risk Retention Groups and Motor Vehicle Financial Responsibility Insurance06/12/2003
03-06-11Claims Adjustment From Outside New York By Non-Licensee06/03/2003
03-06-12Requirements to qualify as "Same Industry Trust"06/03/2003
03-06-13Automobile Lessor Charging a Fee to Lessee to Cover Physical Damage to the Automobile06/05/2003
03-06-14Insurance Law Section 4224 /Inducement to Purchase Insurance06/06/2003
03-06-15Request by the United States Department of Justice for Nonpublic Personal Information06/17/2003
03-06-16Insurance Coverage of Domestic Partners06/18/2003
03-06-17Prescription Drug Benefits06/18/2003
03-06-18Minimum Earned Premium and Assessment Corporation06/19/2003
03-06-19Bonus Fee Paid by Licensed Agent to Unlicensed Telemarketers06/19/2003
03-06-20Approval of Structured Settlement Annuity06/19/2003
03-06-21Promotional Gifts06/20/2003
03-06-22Display of license06/20/2003
03-06-23Judicial Determination as to Sufficiency of Bail Bonds06/23/2003
03-06-24CAPCO Program06/26/2003
03-06-25Record Retention06/26/2003
03-06-26Direct Placement of New York Insured With an Alien Insurer06/26/2003
03-06-27Commercial property insurance terrorism limitation for fire following06/26/2003
03-06-28Record Retention Requirements for Agents and Brokers06/27/2003
03-06-29Attorney Licensing Requirement-Commissions on Sale of Insurance06/30/2003
03-06-30Insurance Law Reg. 68 (11 NYCRR 65) Notice of Claim for No-Fault Health Services06/30/2003
   
03-07-01Use of Credit Card for Premium Payments07/02/2003
03-07-02Loss of Rental Income Claims and Public Adjusters07/02/2003
03-07-03Supplemental Spousal Liability Coverage Notice; Permissibility of Specifying Percentage in Lieu of Dollar Amount07/02/2003
03-07-04Cancellation by Excess Line Insurer of Financed Policy07/07/2003
03-07-05No-Fault: Waiving of Interest on Denied or Overdue Claims07/07/2003
03-07-06Extended warranties issued by distributor of trucks and by manufacturer of truck engines07/07/2003
03-07-07Group Annuity Contract - Coverage under Article 77 - Life Insurance Company Guaranty Corporation ("LICGC")07/07/2003
03-07-08Telephone Sales Transactions and Compliance with N.Y. Ins. Law 3429 and Regulation 9007/08/2003
03-07-09Procedure for Handling Threats Made Against Independent Adjusters07/08/2003
03-07-10Health Insurance Portability and Accountability Act (HIPAA) Privacy Requirements, Workers' Compensation07/08/2003
03-07-11Health Insurance Portability and Accountability Act (HIPAA) Privacy Requirements, No-Fault and Workers' Compensation07/08/2003
03-07-12Employee Retirement Income Security Act (ERISA), Multiple Employer Welfare Arrangement (MEWA)07/08/2003
03-07-13Borrowing Funds From Clients07/11/2003
03-07-14Electronic Payment Fees07/11/2003
03-07-15Request for Reconsideration: Rental Vehicle Coverage Opinion dated April 7, 200307/14/2003
03-07-16Tire and Rim Program07/15/2003
03-07-17Insurable Interest - Key Man Insurance07/17/2003
03-07-18Notification of Contractual Limitations Period to Commence Suit07/17/2003
03-07-19Adjusting claims for a self-insurer07/18/2003
03-07-20"Lease Price Guarantee" Program07/18/2003
03-07-21Advertisement of Health Insurance Policy07/18/2003
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
03-07-23Satellite insurance07/18/2003
03-07-24Life Settlements/Electronic Exchange07/21/2003
03-07-25Prepaid Membership Plan for Patients07/21/2003
03-07-26Public Adjuster Payment Authorization07/23/2003
03-07-27Qualification of Assets for Use in a Regulation 114 Trust07/28/2003
03-07-28Supplemental spousal liability coverage on a business auto non-owner's insurance policy07/28/2003
03-07-29Signature Requirement07/28/2003
03-07-30Contracts for the Provision of Unlimited Chiropractic Services to Patients07/28/2003
03-07-31Signing Blank or Incomplete Insurance Forms07/29/2003
03-07-32Vehicle Service Contract07/29/2003
03-07-33Insurance Agents' License Number Printed on Their Business Cards and/or Advertising Materials07/30/2003
03-07-34Replacement of Annuity Contracts and Regulation 6007/31/2003
03-07-35Claims Made and Reported Policies07/31/2003
03-07-36Request 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 Policy07/09/2003
03-07-37Rental Vehicles07/16/2003
03-07-38Rate Changes and N.Y. Ins. Law 342507/23/2003
03-07-39Insurable Interest Requirement (Life Insurance)07/07/2003
   
03-08-01Marketing in New York health insurance that is to be provided outside of New York08/01/2003
03-08-02Licensing of Medicare+Choice Sales Representatives08/01/2003
03-08-03Regulation 114 Trusts - Custody of Assets08/01/2003
03-08-04No-Fault OBEL Coverage and Loss Transfer08/01/2003
03-08-05Licensing and Appointment Documentation – Records Retention08/01/2003
03-08-06No-Fault Assignments for Durable Medical Equipment08/01/2003
03-08-07No-Fault: Reimbursement for Court Filing Courts08/01/2003
03-08-08Municipal 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 140908/01/2003
03-08-10"Finders fees" for non-licensed entities08/04/2003
03-08-11Waiver of Mandatory Inspection Pursuant to N.Y. Comp. Codes R. & Regs. tit. 11, 67.3(b)(7)08/05/2003
03-08-12Sharing a Percentage of the Net Income of a Company with Non-licensees for Referrals08/06/2003
03-08-13Museums and N.Y. Ins. Law 3205(b)(3) (McKinney Supp. 2003)08/07/2003
03-08-14Coverage by the Life Insurance Company Guaranty Corporation of New York08/08/2003
03-08-15Regulation 135 and Aggregate Limits08/12/2003
03-08-16Premium Finance Agreements08/12/2003
03-08-17Compensation for Referrals08/18/2003
03-08-18Rate Changes08/20/2003
03-08-19Regulation 164 - Licensing Requirements for Intermediary Entities that Enter into Financial Risks Transfer Arrangements with Insurers08/26/2003
03-08-20Membership Organization's Purchase of Health Insurance for Its Members08/27/2003
03-08-21Termination of Producer-Insurer Contract and N.Y. Ins. Law 3425(j)(1)(A)08/27/2003
   
03-09-01Property/Casualty Insurance Security Fund09/02/2003
03-09-02Licensing of Third Party Administrator as an Independent Adjuster09/03/2003
03-09-03State Warranty and Service Contract Requirements09/03/2003
03-09-04Attorney's Ownership of Title Insurance Company and the Giving of Rebates and Price Incentives09/05/2003
03-09-05Record Retention - Documents Accompanying Applications09/08/2003
03-09-06Mold Exclusions in Property/Casualty Insurance Policies09/08/2003
03-09-07Compensation for Purchase of Customer Lists09/09/2003
03-09-08Notification of Utilization Review Determinations09/09/2003
03-09-09Imposition of Requirements on Surety Issuing Performance Bonds09/09/2003
03-09-10Fraud "Warning Statements" Under Regulation 9509/09/2003
03-09-11Non-renewal notices of unauthorized insurers09/10/2003
03-09-12Denial of Pre-Certification of Medical Procedure, Applicable Law09/15/2003
03-09-13Three-Year Policy Renewed as One-Year Policy & Necessity of Conditional Renewal Notice09/18/2003
03-09-14Financing of Broker's Fee by Premium Finance Agency and Written Authorization by Insured09/18/2003
03-09-15Excess Lines Placements09/22/2003
03-09-16Public Adjuster's Fee Check09/23/2003
03-09-17Named Driver Exclusion in Commercial Auto Liability Policy09/23/2003
03-09-18Multiple Employer Welfare Arrangement (MEWA), New York Financial Requirements09/24/2003
03-09-19Licensing Requirements for Access Plans09/25/2003
03-09-20Internet Advertising09/26/2003
03-09-21Submission of No-Fault Assignments Via Facsimile Transmission09/29/2003
   
03-10-01Third Party Administrator of Group Dental Insurance10/01/2003
03-10-02Discount Health Plan10/02/2003
03-10-03Managing General Agent Sharing Office Space with an Insurer10/03/2003
03-10-04No-Fault Attorney Fees for Multiple Provider Bills10/08/2003
03-10-05Electronic Signatures10/14/2003
03-10-06N.Y. Ins. Law 4105(a)10/15/2003
03-10-07Non-Licensee Compensation10/15/2003
03-10-08Sale of Fine Art Title Insurance in New York10/16/2003
03-10-09Reimbursement of Administrative Fees to Unlicensed Associations10/16/2003
03-10-10Referrals for Bank Insurance Sales Activity10/16/2003
03-10-11Special Revenue Bonds10/17/2003
03-10-12Rental Vehicle Coverage Endorsement10/17/2003
03-10-13Section 3440 of the Insurance Law Rental Vehicle Coverage10/17/2003
03-10-14Health Insurance, Necessity of Pre-authorization for Treatment10/21/2003
03-10-15Insurance Agency as Limited Liability Company ("LLC")10/21/2003
03-10-16Agents of title insurance corporations; licensing inquiry10/21/2003
03-10-17Charitable Gift Annuities, Acceptable Consideration10/22/2003
03-10-18Sharing of Commission10/27/2003
03-10-19Personal Automobile Insurance - Proposed Underwriting Rule10/27/2003
03-10-20New York Military Law Provisions Addressing Non-Lapse of Life Insurance10/28/2003
03-10-21Time Frame for Payment or Denial of Automobile Claims10/28/2003
03-10-22No-Fault Billing for Services Provided at Hospitals by Independent Contractors10/29/2003
03-10-23Group Health Insurance, Mandated Benefits10/29/2003
03-10-24Solicitation of Claims by Non-licensees on Behalf of Public Adjusters10/29/2003
03-10-25Authorized Insurance Carrier10/30/2003
03-10-26Applicability of Section 3426(g) of the Insurance Law10/31/2003
03-10-27Health Insurance, Insurer's Retroactive Reversal of Authorization for Durable Medical Equipment10/31/2003
03-10-28Referral fee for non-licensed entities10/31/2003
03-10-29Replacement of Long Term Care Insurance, Agent's Compensation10/31/2003
03-10-30Raffles10/31/2003
03-10-31Service Contracts with Minors10/01/2003
03-10-32Search, Arrest, and Law Enforcement Authority10/07/2003
03-10-33Analysis of life insurance needs by a CPA10/30/2003
03-10-34Insurance Law Section 2108 / Adjusters10/23/2003
03-10-35N.Y. Ins. Law 1101 Doing an Insurance Business10/31/2003
03-10-36Notification of Late Payment Fee and Reinstatement Fee10/01/2003
   
03-11-01Explanations of Benefits; Release to Insured's Supplier11/03/2003
03-11-02Employer Sponsored Group Health Insurance & Coverage of Former Spouse of Employee11/03/2003
03-11-03Cancellation11/04/2003
03-11-04Business SUM Coverage Under the Property/Casualty Insurance Security Fund11/05/2003
03-11-05Exclusion in an Excess Line Policy11/07/2003
03-11-06Attachment of Annuities11/10/2003
03-11-07Multiple Employer Welfare Associations (MEWA)11/12/2003
03-11-08Defensive Driving Class at Reduced Rate11/12/2003
03-11-09Cancellation by excess line insurer of financed policy11/12/2003
03-11-10Decertification/ Revocation or Recapture of Tax Credits for Failure to Meet Requirements of N.Y. Tax Law 11(h)(3)11/13/2003
03-11-11N.Y. Ins. Law 3446 (McKinney 2000) – Product or System Group Insurance Policy11/18/2003
03-11-12Referrals to Agents and Brokers by Non-Licensees11/18/2003
03-11-13Referrals to Insurers11/19/2003
03-11-14Cancellation of Credit Life or Credit Disability Policy and Calculation of Unearned Premiums11/19/2003
03-11-15Automobile Distributor's Vehicle Service Contract11/19/2003
03-11-16Title Search Guarantee Premium/Fee11/20/2003
03-11-17Insurance Fraud11/20/2003
03-11-18No-Fault Lost Wages-Overtime11/20/2003
03-11-19Terrorism Exclusions in New York Insurance Policies11/21/2003
03-11-20Relocation of Principal Business under N.Y. Tax Law 11(d)(2)11/21/2003
03-11-21Insurance Regulation No. 35-A (11 NYCRR 60-1.1); Minimum Provisions / Auto Liability Policies11/26/2003
03-11-22Complaint reporting requirements11/28/2003
   
03-12-01Non-admitted Insurer's Premium Quotes and Broker of Record Letters12/01/2003
03-12-02Automotive theft & road hazard programs12/01/2003
03-12-03Licensing of Limited Liability Companies12/02/2003
03-12-04Internal Replacement of Life Insurance, Regulation 6012/02/2003
03-12-05Income Insurance, Privacy Considerations12/03/2003
03-12-06Reserve Investments for Non-life Insurers12/05/2003
03-12-07Definition of "Industrial Insured" Under the New York Captive Insurers Law12/05/2003
03-12-08Use of New York State Tax Credits and the New York Retaliatory Tax12/09/2003
03-12-09Application of N.Y. Ins. Law 3426(g)(2) (McKinney 2000)12/09/2003
03-12-10Company-Owned Life Insurance as an Admitted Asset12/09/2003
03-12-11Group Health Insurance: Coverage of New York Residents12/10/2003
03-12-12Health Insurance, Continuation Requirement12/10/2003
03-12-13Decertification / Revocation or Recapture of Tax Credits for Failure to Meet Requirements of N.Y. Tax Law 11(h)(3)12/10/2003
03-12-14Rental Car Company: Recovery of All Elements of Damage to Rental Car12/11/2003
03-12-15Health Insurance, Retroactive Reversal of Claim12/16/2003
03-12-16SUM Coverage - Offset12/16/2003
03-12-17Web Site Disclosure Requirements for Insurance Agents and Brokers12/16/2003
03-12-18Proposed Restructuring of a Reciprocal Insurer's Attorney-in-Fact12/16/2003
03-12-19Employer Sponsored Health Insurance12/22/2003
03-12-20Public Adjuster Retainer Agreements and Regulation 1012/22/2003
03-12-21120 Day Status Letter on Subrogation Claim12/24/2003
03-12-22Family Deductibles for No-Fault Insurance12/29/2003
03-12-23Credits Applied for Insurance Cost on Construction Bids12/30/2003
03-12-24Independent and Public Adjusters12/23/2003