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2007 Selected Opinions of the Office of General Counsel

2007 Selected Opinions of the Office of General Counsel

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Selected Opinions of the Office of General Counsel for the Year 2007

Opinions are listed in the table below in order of Opinion Number which represents the year, the month, and the opinion number for that month. For example, in 07-01-06 the "07" represents 2007, the "01" represents January, and the "06" refers to the 6th opinion of January 2007.

Opinion NumberSubjectDate Issued
07-01-01Sharing Commissions for NYS Partnership Long-term Care Policies01/02/2007
07-01-02Record Retention Requirements.01/03/2007
07-01-03Viatical Settlement Proposal01/04/2007
07-01-04Applicability of Regulation 60 to Movement of Employee Investments in a 403(b) Program01/05/2007
07-01-05N.Y. Ins. Law 3425(d)01/12/2007
07-01-06Fee Dispute with an Insurance Adjuster with a Felonious Background01/18/2007
07-01-07Short-Rate Cancellation Penalty & No-Fault Subrogation/Surcharge01/26/2007
07-01-08Discount Coupon for an Accident Prevention Course as a Rebate01/26/2007
07-01-09Premium financing - Return of Premium pursuant to Section 342801/29/2007
07-01-10Towing and Emergency Road Services01/29/2007
07-02-01Workers' Compensation Audit02/01/2007
07-02-02Debt Incurred by an HMO or an Article 43 Corporation.02/01/2007
07-02-03Use of Commissions as Security for a Promissory Note02/01/2007
07-02-042007 Illinois Division of Insurance Reciprocal State Survey02/01/2007
07-02-05Long Term Care Third-Party designation and Biennial Notice Requirement02/05/2007
07-02-06Public Adjusters and Compensation for Work Referrals02/05/2007
07-02-07Regulation 60 Requirements Applicable to Replacement of a Life Insurance Policy or Annuity Contract02/06/2007
07-02-08Insurance Consultants02/08/2007
07-02-09Policy Fees and Surcharges02/08/2007
07-02-10Renewal Commissions - Deceased Agent02/09/2007
07-02-11Stamped Versus Hand-Written Signature on Application Forms02/13/2007
07-02-12Premium Accounts and FDIC02/13/2007
07-02-13Payment for Emergency Ambulance Services02/13/2007
07-02-14Private Opinion Letters02/13/2007
07-02-15Opinion Requests02/14/2007
07-02-16Health Maintenance Organization Options02/16/2007
07-02-17Service of Process on Insurers02/20/2007
07-02-18Insurance Broker's Employees/Related Entity Offering COBRA and Flexible Spending Administration Services to its Insureds/Prospective Insureds for a Fee02/20/2007
07-02-19Licensed Clinical Social Worker02/21/2007
07-02-20Electronic Signatures on Insurance Applications and Electronic Recordkeeping02/22/2007
07-02-21Medical Records02/22/2007
07-03-01Independent Adjuster's Duty to Protect Policyholders03/05/2007
07-03-02Warranty of Automobile Windshield Chemical Bond03/06/2007
07-03-03Proposed Contract to Replace or Repair Cell Phones03/06/2007
07-03-04Acting as Insurance Consultant Without a License03/08/2007
07-03-05Release of Loss Reserves on Open Claims03/09/2007
07-03-06Use of Checking and Sweep Accounts for the Premium Account of a Licensed Insurance Agent or Broker03/09/2007
07-03-07Charitable Contribution Advertisement03/12/2007
07-03-08Clarification Concerning Inspection Fees Charged by Excess Line Insurers03/12/2007
07-03-09Malpractice Insurance03/13/2007
07-03-10Offering Free Administrative Services03/15/2007
07-03-11Dental Services to a Municipality03/15/2007
07-03-12Applicability of Notice Requirement Under Regulation 64 to Fidelity and Surety Insurance03/16/2007
07-03-13Licensing of a County as an Insurance Agent or Broker03/23/2007
07-03-14External Appeal from Nonrenewal of Medical Malpractice Insurance03/23/2007
07-03-15Insurer’s Rejection of an Applicant’s Request for Appointment as Producer03/26/2007
07-03-16Lien on Broker’s Premium Account03/27/2007
07-03-17Reimbursement for Nursing Services03/28/2007
07-03-18Reinsurance Intermediaries03/28/2007
07-04-01Dealer Vehicle Repair Guaranty04/02/2007
07-04-02Federal Employer Identification Number as Electronic Signature04/02/2007
07-04-03Article 79 Service Contracts – Amount of the Funded Reserve Account04/03/2007
07-04-04Reciprocal Insurer and Enforcement of Sixty Days’ Notice Before Withdrawing From Membership04/04/2007
07-04-05Reinsurance Intermediary Fiduciary Account in Foreign Currency04/04/2007
07-04-06Adjusting Claims on Behalf of Affiliated Insurers04/09/2007
07-04-07Commission and Expenses04/10/2007
07-04-08Paintless Dent Removal Service – 2006-0048104/10/2007
07-04-09Licensing and Education Requirements for Title Insurance Agents04/11/2007
07-04-10Allowable Groups Under New York Insurance Law § 423504/12/2007
07-04-11Insurance Fraud Litigation in the New York Court of Claims04/13/2007
07-04-13Managed Long Term Care Plans (MLTCP) Appointing Insurance Agents for Medicare Advantage Program04/20/2007
07-04-14Payment of Referral Fees to Non-Licensees; Transfer of Self-Insured Workers’ Compensation Program to Insurer; Retroactive Liability Insurance04/27/2007
07-04-15Licensing and Continuing Education Requirements for Resident/Non-Resident Workers’ Compensation Independent Adjusters04/25/2007
07-04-16Reimbursement for Chemotherapy Drugs at Average Wholesale Price04/25/2007
07-04-17Motor Vehicle Law Enforcement Fee04/26/2007
07-05-01Watch Replacement Program05/01/2007
07-05-02Displaying an Insurance License05/03/2007
07-05-03Applicability of N.Y. Ins. Law § 1411(e) to Officer Investments in Affiliate-Managed Funds05/03/2007
07-05-04Definition of Initial Pretrial Hearing in Insurance Law § 2110(j) (PDF)05/08/2007
07-05-05Article 49 External Review Standards05/09/2007
07-05-06Boat Inspection Fees05/10/2007
07-05-07Gift Cards to Customer Service Representatives05/14/2007
07-05-08New York Zero Tolerance Law05/14/2007
07-05-09Certificate of Insurance05/17/2007
07-05-10Use of a Mobile Office by Licensed Broker05/18/2007
07-05-11Communicating Directly with a Third Party Claimant Represented by Counsel05/22/2007
07-05-12Licensed insurance brokers compensating non-licensees for insurance referrals05/23/2007
07-05-13Record Retention by insurance agent05/23/2007
07-05-14Administration of New York Life Insurance Policies within New York05/24/2007
07-05-15Referrals and Rebates05/29/2007
07-05-16Specific Reasons for Cancellation Under Insurance Law Section 3426(c)(1)(d)05/29/2007
07-05-17Doing an Insurance Business/Franchise Taxes05/29/2007
07-05-18Termination of Health Insurance Plan05/29/2007
07-05-19Group Health Insurance, Eligible Group05/30/2007
07-05-20Limited Liability Companies, Small Group Health Insurance05/30/2007
07-05-21Public Adjusters Compensating Independent Agents05/31/2007
07-05-22Foreign Fire Tax Distribution05/31/2007
07-05-23Co-Production of a Life Insurance Policy05/31/2007
07-06-01OGC Opinion No. 06-06-05; Non-payment cancellation based on dishonored premium checks in sweep accounts06/01/2007
07-06-02Verbal Communication About Non-renewal of Homeowner’s Policy06/04/2007
07-06-03Promotional Discounts and Gifts N.Y. Ins. Law § 4224 (McKinney Supp. 2007)06/04/2007
07-06-04Proper Allocation of Premium for Purposes of Compliance with Regulation06/07/2007
07-06-05Fees charged by a chiropractor; insurance fraud?06/07/2007
07-06-06Permissibility of Excess Line Association of New York (ELANY) Making De Minimis Charitable Contributions06/07/2007
07-06-07Section 3426 Non-Renewals and Cancellations06/07/2007
07-06-08Reconsideration of Insurance Department Opinion Letters and Judicial Review of Department Determinations06/13/2007
07-06-09Reconsideration of Office of General Counsel Informal Opinion #02-11-19 Concerning Recovery of Workers’ Compensation Loss Awards under No-Fault Inter-company Loss Transfer06/13/2007
07-06-10Interest Free Premium Financing06/12/2007
07-06-11Loans or Extensions of Credit Among Affiliates06/14/2007
07-06-12Service Contracts for Repair or Replacement of Tires or Wheels Due to Road Hazard Damage06/15/2007
07-06-13Regulation 6006/15/2007
07-06-14Auto Club Offering Residual Value Insurance in New York06/15/2007
07-06-15Hospital Subsidiary Seeking to Act as Insurance Broker06/18/2007
07-06-16Payment by Insurance Producer of Referral Fees to Non-Licensees.06/18/2007
07-06-17Imposition of Convenience Fee by a Third Party Facilitator of Credit Card Premium Payments
Withdrawn. See Chapter 723 of the Laws of 2023.
06/19/2007
07-06-18Maternity & Newborn Coverage06/19/2007
07-06-19Healthcare Access Plan06/19/2007
07-06-20HMO Requirement that Members Over 65 Enroll in Medicare Parts A & B06/25/2007
07-06-21Maintaining Premium Accounts in Credit Unions06/26/2007
07-06-22Giveaways and Raffles06/26/2007
07-06-23Wedding Insurance06/26/2007
07-06-24Service of Process on an Insurer Through Personal or Mail Delivery to the Superintendent's Designee06/26/2007
07-06-25Public Adjusters Accepting Compensation from Restoration Contractors for Referrals06/26/2007
07-06-26Sharing Commissions with Religious Organization06/27/2007
07-07-01Revoked License - Entitlement to Commissions07/02/2007
07-07-02Wrap-up Policy Not Subject to Audit Adjustment07/03/2007
07-07-03Insurance Cancellations and Refunds by a Premium Finance Agency07/03/2007
07-07-04Experimental Medical Services07/03/2007
07-07-05Class Action Suits07/06/2007
07-07-06Timing of a Non-Renewal Notice on a New Homeowners Policy07/09/2007
07-07-07Free Car Washes as Unlawful Rebating07/09/2007
07-07-08Disclosure of Fee Sharing Between a Public Adjuster and an Insurance Broker07/13/2007
07-07-09Time Limit on Recouping Overpayments07/18/2007
07-07-10Advertising Inducements07/18/2007
07-07-11Internal Audit Reporting Requirements07/19/2007
07-07-12Regulation 60 Replacement Inquiry07/19/2007
07-07-13Three-year Required Policy Period07/19/2007
07-07-14Public Adjuster Loaning Money to Client07/19/2007
07-07-15Broker of Record Authorization07/20/2007
07-07-16Certificate of Insurance07/20/2007
07-07-17Rebates/Inducements07/23/2007
07-07-18Cancellation of a Commercial Lines Insurance Policy07/23/2007
07-07-19Paintless Dent Repair Program07/23/2007
07-07-20Medicare Prescription Drug Program; Use of Adjusters07/24/2007
07-07-21Maximum Age Limitation for Directors07/24/2007
07-07-22Anti-Arson Application - See Opinion No. 07-11-0607/25/2007
07-07-23Third Party Administrators07/25/2007
07-07-24Cash Transaction Facilitator07/25/2007
07-07-25Rebates, Referrals and Commission Sharing07/26/2007
07-07-26Custodial Agreements07/26/2007
07-07-27Medical Malpractice Reporting Requirements07/26/2007
07-08-01Use of a URL and Email Address by a Licensed Insurance Agent08/06/2007
07-08-02Services on Behalf of an Investment Adviser08/27/2007
07-08-03Group Health Insurance, Certificates and Explanations of Benefits08/27/2007
07-08-04NAIC Model Audit Rule08/27/2007
07-08-05Qualification as an “Insured’s Authorized Agent or Broker”08/27/2007
07-08-06Reinsurance Intermediaries and Premium Accounts08/28/2007
07-08-07Tax Allocation Agreements08/28/2007
07-08-08Tie-In Sales and Rebating08/28/2007
07-08-09Applicability of Regulation 60 to an Exchange of a Matured Endowment Contract08/29/2007
07-08-10Vehicle Inspections Under Regulation 7908/29/2007
07-08-11Individual Life Insurance, Sales Illustrations and Insurer Restrictions on Agents08/29/2007
07-08-12

Multi-State Risks

Withdrawn. See section 11 of Part I of Chapter 61 of the Laws of 2011.

08/30/2007
07-08-13Non-Renewal of Insurance due to Bankruptcy08/30/2007
07-08-14Pre-Paid Legal Services08/31/2007
07-08-15Collection of Overpayments to Healthcare Providers08/31/2007
07-08-16Commissions and Liquidation08/31/2007
07-08-17Electronic Distribution by Insurers of Insurance Policies, Forms, and Bills to Insureds08/31/2007
07-09-01Insurance Law § 2119 Service Fee Agreement09/04/2007
07-09-02Paintless Dent Repair Protection Plan09/05/2007
07-09-03Reinsurance Intermediary Fiduciary Accounts09/05/2007
07-09-04Reservation of Rights09/06/2007
07-09-05Continuation of Group Health Insurance09/06/2007
07-09-06Subrogation of a Regulation 64 Claim09/10/2007
07-09-07Destruction of Records After the Required Record Retention Period has Passed09/11/2007
07-09-08Vehicle Inspections Under Regulation 7909/11/2007
07-09-09Return of Unearned Premium Money Upon Cancellation of Personal or Commercial Fire Insurance Policies09/12/2007
07-09-10State Inconsistency or Amendatory Endorsements09/12/2007
07-09-11Request for Classification of Insurance Coverage as Credit Insurance09/12/2007
07-09-12Code of Ethical Practices With Respect to the Insuring of the Benefits of Union or Union-Management Welfare and Pension Funds0912//2007
07-09-13Permissible Placement of Property Insurance09/12/2007
07-09-14Insurance Brokerage Ownership09/17/2007
07-09-15Marketing an Extended Warranty Program09/17/2007
07-09-16Reformation of Stop-Loss Insurance Policy09/17/2007
07-09-17Denial of automobile insurance claim09/20/2007
07-09-18Direct Repair Program Promotion09/20/2007
07-09-19Broker/Agent Activity - Alleged Misrepresentation of Rate of Return09/20/2007
07-09-20Interest Computed Pursuant to § 3214 on Unclaimed Life Insurance Proceeds09/20/2007
07-09-21Medicare Prescription Drug Program, Insurance Agent Licensing09/21/2007
07-09-22Purchasing of Stop-Loss Insurance by Self-Funded Plan09/20/2007
07-09-23Offset of Lost Wages09/20/2007
07-09-24Rebates09/24/2007
07-09-25Insurable Interests Pertaining to Individual Life Insurance Policy09/24/2007
07-09-26New York Agent for an Unauthorized Insurer09/25/2007
07-09-27Health Insurance Coverage for Same-Sex Couples Married Outside of New York State09/26/2007
07-09-28Billing by Nurse Practitioner for Services Rendered by Licensed Massage Therapist09/27/2007
07-09-29Coverage by Health Insurers of Chiropractic Services09/27/2007
07-10-01Service Provider Contracts10/03/2007
07-10-02Release for Third-Party Property Damage Claim10/10/2007
07-10-03Settlement Checks10/10/2007
07-10-04Right of Recovery for Used Sick Leave Credits under No-Fault Law10/11/2007
07-10-05Waiver of Deductible by an Automobile Collision Repair Facility10/11/2007
07-10-06Bad faith Denials of Long-term Insurance Claims10/16/2007
07-10-07Method of Insurance Fraud Investigation Questioned by a Private Investigator Licensed by the Department of State10/18/2007
07-10-08Insurer Utilizing an MGA Seeks Specific Guidance10/18/2007
07-10-09Employees Acting as Adjusters without a License10/23/2007
07-10-10Hazardous Materials Report Form10/26/2007
07-10-11Vehicle Inspections Under Regulation 7910/29/2007
07-10-12MMIP Structure and Participation10/29/2007
07-10-13Insurance Agent Offering Free Services in exchange for a Client’s Health Insurance Business10/31/2007
07-11-01Prepaid Health Service Plans, Agent's Licensing11/02/2007
07-11-02Group Health Insurance, Continuation Benefits11/05/2007
07-11-03Money Market Fund as a Sweep Option11/07/2007
07-11-04Licensing Requirements for Firm Performing Services Related to Medicare Advantage11/21/2007
07-11-05Format and Retention of Records11/26/2007
07-11-06Anti-Arson Application Withdrawn October 16, 2025. See Chapter 439 of the Laws of 2025.11/27/2007
07-11-07Record Retention and Destruction by an Insurance Agent11/28/2007
07-11-08Health Insurance, Reimbursement From Tort Recovery11/28/2007
07-11-09Office in New York for Unauthorized Insurer11/29/2007
07-11-10Provision of Domestic Partner Coverage to Same-Sex Partners but not to Opposite-Sex Partners11/29/2007
07-11-11No-Fault Documentation and Social Security Numbers11/21/2007
07-12-01Loss Run Requirements for Workers' Compensation12/10/2007
07-12-02Delay in Receipt of Broker Earned Commissions from Insurer12/10/2007
07-12-03Review and Payment of Healthcare Bills12/12/2007
07-12-04Update on broker disclosure of commission and compensation other than commission See Opinion No. 08-01-10, dated January 30, 200812/12/2007
07-12-05Status of Limited Partnership as an Investment Subsidiary12/12/2007
07-12-06Adjustments to Retaliatory Tax Obligations Withdrawn - see Prudential Ins. Co. of America v. Wrynn, 36 Misc.3rd 427 (Sup. Ct. N.Y. Co., 2012)12/17/2007
07-12-07Homeowners Insurance/Insurable Interest12/17/2007
07-12-08Required Policy Period for a Package Policy12/18/2007
07-12-09Body Damage Estimator12/19/2007
07-12-10Meaning of "Any One Risk"12/20/2007
07-12-11Proof of Mailing of Cancellation Notices12/27/2007
07-12-12Insurance Department Notice of Convictions12/21/2007