1 BEFORE THE COMMISSIONER OF INSURANCE OF THE STATE OF KANSAS In the Matter of ) ) FARMERS INSURANCE COMPANY, INC. ) Docket No MC NAIC #21628 ) SUMMARY ORDER Pursuant to the authority conferred upon the Commissioner of Insurance in K.S.A , Sandy Praeger, the duly elected, qualified and serving Commissioner of Insurance hereby adopts the Kansas Insurance Department s Report of Market Conduct Examination of Farmers Insurance Company, Inc. ( Farmers ), as of June 30, 2012 (attached herein as Attachment A) by incorporating the same in its entirety with specific findings stated as follows. This Summary Order shall become effective as a Final Order, without further notice, upon the expiration of the 15 day period if no request for a hearing is made, pursuant to K.S.A Findings of Fact 1. The Commissioner of Insurance has jurisdiction over this matter pursuant to K.S.A The Kansas Insurance Department ( Department ) completed a targeted market conduct examination of Farmers. The period of examination was July 1, 2010 through June 30, On or about August 30, 2013, the Examiner-in-Charge provided Farmers a draft of the Market Conduct Examination report ( Report ) with a request for Farmers response in the form of written comments, additions, or acceptance. 4. Farmers responded to the Report with written comments. FINAL ORDER EFFECTIVE:
2 5. The Kansas Commissioner of Insurance has since fully reviewed the Report, which is attached herein as Attachment A. 6. Complaint Handling Standards. a. Standard 3 of the Complaint Handling Standards reviews to ensure the regulated entity takes adequate steps to finalize and dispose of the complaint in accordance with applicable statutes, rules and regulations, and contract language. i. There were 23 claim-related complaint files from the Department and one consumer complaint that had incoming correspondence without date stamps required under K.A.R , Section Claim Handling Standards. a. Standard 6 of the Claim Handling Standards reviews to ensure claims are handled in accordance with policy provisions and applicable statutes (including HIPAA), rules and regulations. i. There were eight claim files in which Farmers failed to pay the vehicle registration fee on total loss settlements required under K.A.R , Section 9(a)(2). One of those files also had a third party total loss claim that failed to pay the applicable fee as required under K.A.R , Section 9(h). This issue had been discovered by Farmers during an internal review which began in April 2012 (during our exam period), and reimbursements were made to affected consumers. Per Farmers, 8,135 reimbursements were completed in September 2012 for a total amount of $44,680.
3 8. Underwriting and Rating Standards. a. Standard 1 of the Underwriting and Rating Standards reviews to ensure the rates charged for the policy coverage are in accordance with filed rates (if applicable) or the regulated entity s rating plan. i. There were inconsistencies during the exam period between how policies were rated and the filed rating rules with regards to policies with multiple vehicles that had been converted from the Legacy system to the FA2 system. The Legacy filings prior to the end of 2009 allowed for only one vehicle per policy, thus when converted into the FA2 system they were converted into multiple policies as previously written. New business written into FA2 allowed for up to four vehicles on a policy. The FA2 filing indicated multi-car discounts would be applied if there were more than one vehicle on a policy. Farmers provided the discount to the households with multiple policies, even if those had only one vehicle on each policy. The UM/UIM rate order of calculation in the approved FA2 rating manual indicated the UM factors were determined by average factors of each vehicle on the policy, when actually this was being averaged at the household level with those that had multiple policies rather than multiple vehicles on one policy (from the conversion mentioned above). Since Farmers was not following their approved rating rules, many policies during the exam period were not issued in accordance with approved rates and rules required under K.S.A (g).
4 ii. When converting from the Legacy system to FA2, Farmers did not include a complete PIP symbol filing. On the vehicle symbol pages, there were five columns (BI, PD, UM/MED, CM, CL), while the auto symbol rating factors contained six categories (BI, PD, PIP, UM, COMP, COLL). The rates being used were not completely filed as required under K.S.A (a). The policies written or renewed on the FA2 system during the exam period were rated not in accordance to the rates on file as required under K.S.A (g). iii. Two auto policies were issued with work loss coverage that was not in accordance with the rates on file as required under K.S.A (g). The work loss had been in Farmers Legacy filing, but they failed to insert it into the FA2 filings when they converted in late This was not discovered until the exam team s review. Farmers indicates since the launch of FA2 there have been 6,704 policies with this work loss coverage, most of which originally had the coverage through a Legacy policy. iv. Four policies were rated with a rate filing that had been filed, but not yet approved, as required under K.S.A (g). Farmers had disclosed to the Department in fall 2012 that they had discovered the early implementation of a rate filing on the initial proposed effective date of 4/9/2012 (new business) and 5/22/2012 (renewals), though the filing was not approved until 7/16/2012 (new business) and 8/14/2012 (renewals). Farmers indicated to the examiners in May 2012 that 31,984 customers
5 had received refunds in the amount of $764,052 and there were still approximately 5,000 policies still being processed. As the exam period ended June 30, 2012, there were many policies during the exam period that were affected by this error and there were many policies written and renewed outside of our exam period that were also impacted. v. One policy was written with customization coverage indicated on the Declarations page that did not meet the criteria for the coverage. The policy did not have the required comprehensive or collision coverage as required by K.S.A (g). The policy was not charged for the coverage, and a claim was not filed against the coverage, though Farmers indicates they would have honored the claim if presented. Farmers identified 125 policies that also showed as having the coverage though not rated with this coverage. vi. One Homeowner Renewal policy included a Condominium Product Type Factor that did not match the information in the filed and approved rates as required under K.S.A (g). Farmers had decreased the factor they were using, but failed to file the decrease with the rate filing. Farmers estimates approximately 950 Condo customers were impacted by the undercharge due to this factor. b. Standard 5 of the Underwriting and Rating Standards reviews to ensure all forms, including contracts, riders, endorsement forms and certificates are filed with the insurance department, if applicable.
6 i. Both the private passenger auto and homeowner lines had binding applications being used during the exam period that were not filed with the Department as required under K.A.R Both lines have had had new applications filed after the end of the exam period. c. Standard 8 of the Underwriting and Rating Standards reviews to ensure cancellation/nonrenewal, discontinuance and declination notices comply with policy provisions, state laws, and the regulated entity s guidelines. i. Forty-one (41) policies were non-renewed for reasons contrary to those K.S.A states, in pertinent part: allowed in K.S.A a. Of those, forty (40) were for similar reasons, lack of information on a possible driver in the household without a full investigation being conducted by Farmers. Farmers had changed their procedures after the exam period, but prior to the exam review of the files. One policy contained a cancellation notice that was sent one day after the actual cancellation date contrary to K.S.A (b), which requires a 30 day notice prior to cancellation. Applicable Law (a) Whenever the commissioner of insurance deems it necessary but at least once every five years, the commissioner may make, or direct to be made, a financial examination of any insurance company in the process of organization, or applying for admission or doing business in this state. In addition, at the commissioner's discretion the commissioner may make, or direct to be made, a market regulation examination of any insurance company doing business in this state. K.S.A a states, in pertinent part: (a) Any insurance company that denies renewal of an automobile liability insurance policy in this state shall give at least 30 days written notice to the named insured, at his last known address, or cause such notice to be given by a
7 licensed agent of its intention not to renew such policy. No insurance company shall deny the renewal of an automobile liability insurance policy except in one or more of the following circumstances or as permitted in subsection (b): (1) When such insurance company is required or has been permitted by the commissioner of insurance, in writing, to reduce its premium volume in order to preserve the financial integrity of such insurer; (2) when such insurance company ceases to transact such business in this state; (3) when such insurance company is able to show competent medical evidence that the insured has a physical or mental disablement that impairs his ability to drive in a safe and reasonable manner; (4) when unfavorable underwriting factors, pertinent to the risk, are existent, and of a substantial nature, which could not have reasonably been ascertained by the company at the initial issuance of the policy or the last renewal thereof; (5) when the policy has been continuously in effect for a period of five years. Such five-year period shall begin at the first policy anniversary date following the effective date of the policy, except that if such policy is renewed or continued in force after the expiration of such period or any subsequent five-year period, the provisions of this subsection shall apply in any such subsequent period; or (6) when any of the reasons specified as reasons for cancellation in K.S.A are existent, except that (A) when failure to renew is based upon termination of agency contract, obligation to renew will be satisfied if the insurer has manifested its willingness to renew, and (B) obligation to renew is terminated on the effective date of any other automobile liability insurance procured by the named insured with respect to any automobile designated in both policies. K.S.A states, in pertinent part: (b) Except as otherwise provided in K.S.A , a and , and amendments thereto, and except for termination of insurance resulting from nonpayment of premium or upon the request for cancellation by the insured, no motor vehicle liability insurance policy, or any renewal thereof, shall be terminated by cancellation or failure to renew by the insurer until at least 30 days after mailing a notice of termination, by certified or registered mail or United States post office certificate of mailing, to the named insured at the latest address filed with the insurer by or on behalf of the insured. Time of the effective date and hour of termination stated in the notice shall become the end of the policy period. Every
8 such notice of termination sent to the insured for any cause whatsoever shall include on the face of the notice a statement that financial security for every motor vehicle covered by the policy is required to be maintained continuously throughout the registration period, that the operation of any such motor vehicle without maintaining continuous financial security therefor is a class B misdemeanor and shall be subject to a fine of not less than $300 and not more than $1,000 and that the registration for any such motor vehicle for which continuous financial security is not provided is subject to suspension and the driver's license of the owner thereof is subject to suspension. K.S.A states, in pertinent part: (a) Every insurer shall file with the commissioner, except as to inland marine risks where general custom of the industry is not to use manual rates or rating plans, every manual of classifications, rules and rates, every rating plan, policy form and every modification of any of the foregoing which it proposes to use. Every such filing shall indicate the proposed effective date and the character and extent of the coverage contemplated and shall be accompanied by the information upon which the insurer supports the filings. A filing and any supporting information shall be open to public inspection after it is filed with the commissioner. An insurer may satisfy its obligations to make such filings by authorizing the commissioner to accept on its behalf the filings made by a licensed rating organization or another insurer. Nothing contained in this act shall be construed to require any insurer to become a member or subscriber of any rating organization. (g) No insurer shall make or issue a contract or policy except in accordance with filings which have been filed or approved for such insurer as provided in this act. K.S.A. 40-2,125 states, in pertinent part: (a) If the commissioner determines after notice and opportunity for a hearing that any person has engaged or is engaging in any act or practice constituting a violation of any provision of Kansas insurance statutes or any rule and regulation or order thereunder, the commissioner may in the exercise of discretion, order any one or more of the following: (1) Payment of a monetary penalty of not more than $1,000 for each and every act or violation, unless the person knew or reasonably should have known such person was in violation of the Kansas insurance statutes or any rule and regulation or order thereunder, in which case the penalty shall be not more than $2,000 for each and every act or violation; (3) that such person cease and desist from the unlawful act or practice and take such affirmative action as in the judgment of the commissioner will carry out the purposes of the violated or potentially violated provision.
9 K.A.R adopts the unfair claims settlement practices model regulation, January 1981 edition, by reference. Section 4 of the model regulation states, (t)he insurer s claim files shall be subject to examination by the (Commissioner) or by his duly appointed designees. Such files shall contain all notes and work papers pertaining to the claim in such detail that pertinent events and the dates of such events can be reconstructed. K.A.R does not adopt Section 9(a)(2) of the model regulation by reference. Instead, K.A.R (m) provides: The insurer may elect to pay a cash settlement, based upon the actual cost, less any deductible provided in the policy, to purchase a comparable automobile including all applicable taxes, license fees and other fees incident to transfer of evidence of ownership of a comparable automobile. Such cost shall be determined by any source or method for determining statistically valid fair market value that meets both of the following criteria: (A) The source or method s database, including nationally recognized automobile evaluation publications, shall provide values for at least eighty-five percent (85%) of all makes and models of private passenger vehicles for the last fifteen (15) model years taking into account the values for all major options for such vehicles; and (B) the source, method, or publication shall provide fair market values for a comparable automobile based on current data available for the local market area as defined in subsection (j)(2). K.A.R does not adopt Section 9(h) of the model regulation by reference. Instead, K.A.R (o) provides Insurers shall include consideration of applicable taxes, license fees, and other fees incident to transfer of evidence of ownership in third party automobile total losses and shall have sufficient documentation relative to how the settlement was obtained in the claim file. A measure of damages shall be applied which will compensate third party claimants for the reasonable loss sustained as the proximate result of the insured s negligence.
10 K.A.R states, (b)inders or other temporary contracts of insurance are subject to K.S.A These forms shall be filed with and approved by the commissioner in accordance with applicable statutory provisions. Conclusions of Law Based upon the Findings of Fact enumerated in Paragraphs #1 through #8 and the Applicable Law cited above, IT IS, THEREFORE, ORDERED BY THE COMMISSIONER OF INSURANCE: 1. The Commissioner of Insurance has jurisdiction over this matter pursuant to K.S.A The Kansas Insurance Department s ( KID ) Report of Market Conduct Examination of Farmers as of June 30, 2012 is herein adopted in its entirety. 3. As set forth in Finding of Fact #6, Farmers violated K.A.R in at least 24 instances. 4. As set forth in Finding of Fact #7, Farmers violated K.A.R in at least 9 instances. 5. As set forth in Finding of Fact #8, subsection (a)(i), Farmers violated K.S.A (g). 6. As set forth in Finding of Fact #8, subsection (a)(ii), Farmers violated K.S.A (a) and K.S.A (g). 7. As set forth in Finding of Fact #8, subsection (a)(iii), Farmers violated K.S.A (g) in more than two instances. 8. As set forth in Finding of Fact #8, subsection (a)(iv), Farmers violated K.S.A (g) in more than four instances.
11 9. As set forth in Finding of Fact #8, subsection (a)(v), Farmers violated K.S.A (g) in more than one instance. 10. As set forth in Finding of Fact #8, subsection (a)(vi), Farmers violated K.S.A (g) in more than one instance. 11. As set forth in Finding of Fact #8, subsection (b)(i), Farmers violated K.A.R in more than two instances. 12. As set forth in Finding of Fact #8, subsection (c)(i), Farmers violated K.S.A a in at least 41 instances and K.S.A (b) in at least one instance. 13. Pursuant to K.S.A. 40-2,125(a)(1), Farmers shall pay a monetary penalty of $50, for the above-stated violations of K.A.R , K.S.A (a) and (g), K.A.R , K.S.A a, and K.S.A b. 14. Pursuant to K.S.A. 40-2,125(a)(3), Farmers shall comply with K.A.R by ensuring all incoming correspondence regarding claim files is date stamped in order to ensure proper documentation of the files and by putting procedures in place to ensure the dates received on the complaint log are accurate. 15. Pursuant to K.S.A. 40-2,125(a)(3), Farmers shall do a thorough review of their rating practices to ensure they coincide with the rules and rates filed and approved with the Department prior to and during implementation of each new rate and rule filing. 16. Pursuant to K.S.A. 40-2,125(a)(3), Farmers shall ensure procedures are in place to file all required forms with the Department.
12 17. Pursuant to K.S.A. 40-2,125(a)(3), Farmers shall review the allowable reasons to cancel and nonrenew policies as indicated by Kansas statutes and ensure their procedures comply. IT IS SO ORDERED THIS _30_ DAY OF OCTOBER 2013, IN THE CITY OF TOPEKA, COUNTY OF SHAWNEE, STATE OF KANSAS. _/s/ Sandy Praeger Sandy Praeger Commissioner of Insurance BY: _/s/ John Wine John Wine General Counsel NOTICE OF RIGHTS Farmers is entitled to a hearing pursuant to K.S.A , the Kansas Administrative Procedure Act. If Farmers desires a hearing, Farmers must file a written request for a hearing with: John Wine, General Counsel Kansas Insurance Department 420 S.W. 9 th Street Topeka, Kansas This request must be filed within fifteen (15) days from the date of service of this Summary Order. If Farmers requests a hearing, the Kansas Insurance Department will notify Farmers of the time and place of the hearing and information on the procedures, right of representation, and other rights of parties relating to the conduct of the hearing before the commencement of the same.
13 If a hearing is not requested in the time and manner stated above, this Summary Order shall become effective as a Final Order upon the expiration of time for requesting a hearing, pursuant to K.S.A In the event that Farmers files a petition for judicial review, pursuant to K.S.A (e), the agency officer to be served on behalf of the Kansas Insurance Department is: John Wine, General Counsel Kansas Insurance Department 420 S.W. 9 th Street Topeka, Kansas CERTIFICATE OF SERVICE The undersigned hereby certifies that he served the above and foregoing Order and Notice of Rights on this 30th day of October, 2013, by causing the same to be deposited in the United States Mail, registered mail with return-receipt requested postage prepaid, addressed to the following: Paul Attilio Crosetti, President Farmers Insurance Company, Inc W. 119 th Street Olathe, KS _/s/ Kristopher M. Kellim Kristopher M. Kellim Staff Attorney
BEFORE THE COMMISSIONER OF INSURANCE OF THE STATE OF KANSAS In the Matter of ) ALLIANZ LIFE INSURANCE COMPANY OF NORTH ) Docket No. 4680-MC AMERICA ) NAIC #90611 ) SUMMARY ORDER Pursuant to the authority
BEFORE THE COMMISSIONER OF INSURANCE OF THE STATE OF KANSAS In the Matter of ) NEW YORK LIFE INSURANCE AND ANNUITY CORP. ) Docket No. 4685-MC NAIC #91596 ) SUMMARY ORDER Pursuant to the authority conferred
BEFORE THE COMMISSIONER OF INSURANCE OF THE STATE OF KANSAS In the Matter of ) AMERICAN EQUITY INVESTMENT LIFE ) INSURANCE COMPANY ) Docket No. 4628-MC NAIC #92738 SUMMARY ORDER Pursuant to the authority
FINAL ORDER EFFECTIVE: 6-30-14 BEFORE THE COMMISSIONER OF INSURANCE OF THE STATE OF KANSAS In the Matter of ) ) PROTECTIVE LIFE INSURANCE COMPANY ) Docket No. 4662-MC NAIC #68136 ) SUMMARY ORDER Pursuant
BEFORE THE COMMISSIONER OF INSURANCE -12 OF THE STATE OF KANSAS FINAL ORDER EFFECTIVE: 12-26-12 In the Matter of the Proposed Adoption ) of the Financial Condition Examination ) Report as of December 31,
BEFORE THE COMMISSIONER OF INSURANCE OF THE STATE OF KANSAS In the Matter of ) FIRSTCOMP INSURANCE ) Docket No. 3946-CO COMPANY ) CONSENT ORDER The Kansas Insurance Department ( KID ) and FirstComp Insurance
BEFORE THE COMMISSIONER OF INSURANCE OF THE STATE OF KANSAS FINAL ORDER Effective: 10-3-11 In the Matter of the Proposed Adoption ) of the Financial Condition Examination ) Report as of As of March 31,
BEFORE THE COMMISSIONER OF INSURANCE OF THE STATE OF KANSAS In the Matter of the Kansas Resident ) Insurance Agent s License of ) Docket No. 3391-SO KEN CAMPBELL ) FINAL ORDER Effective: 11/08/2004 SUMMARY
On BEFORE THE COMMSSIONER OF INSURANCE OF THE STATE OF KANSAS FINAL ORDER EFFECTIVE: 8-27-13 ) LEAD GENERATING SYSTEMS, LLC ) A.K.A. UNLIMITED FULFILLMENT ) SERVICES, A.KA. SMART LEADS. ) Docket No. 4406-SO
BEFORE THE COMMISSIONER OF INSURANCE OF THE STATE OF KANSAS FINAL ORDER Effective: 12-13-11 In the Matter of the Proposed Adoption ) of the Dissolution Examination ) Report as of As of November 30, 2011
BEFORE THE COMMISSIONER OF INSURANCE OF THE STATE OF KANSAS In the Matter of ) Farm Bureau Mutual ) Docket No. 3470-SO FINAL ORDER Effective: 7/12/05 SUMMARY ORDER (Pursuant to K.S.A. 2003 Supp.40-2,125,
BEFORE THE COMMISSIONER OF INSURANCE OF THE STATE OF KANSAS FINAL ORDER Effective: 07-29-08 In the Matter of the Nonresident Agency ) License of National Prearranged ) Docket No. 3911-SO Services, Inc.
BEFORE THE COMMISSIONER OF INSURANCE -12 OF THE STATE OF KANSAS FINAL ORDER EFFECTIVE: 11-5-12 In the Matter of ) 5 STAR LIFE INSURANCE CO. ) Docket No. NAIC#77879 ) ) CONSENT AGREEMENT AND FINAL ORDER
MARKET CONDUCT EXAMINATION REPORT KEY INSURANCE COMPANY NAIC # 12966 8595 College Blvd, Suite 200 Overland Park, KS 66210 ETS # KS057-M11 As of December 31, 2011 KANSAS INSURANCE DEPARTMENT TABLE OF CONTENTS
BEFORE THE COMMISSIONER OF INSURANCE OF THE STATE OF KANSAS FINAL ORDER Effective: 04-22-09 the Kansas Resident ) Insurance Agent s License of ) Docket No. 3977--SO MICHAEL E. DAVIN ) NPN/License No. 4916356
BEFORE THE COMMISSIONER OF INSURANCE OF THE STATE OF KANSAS In the Matter of National Association of Business Leadership Docket No. 4160-EO National Association of Business Leaders 4161-EO CEO Clubs Benefits
BEFORE THE COMMISSIONER OF INSURANCE OF THE STATE OF KANSAS In the Matter of the Kansas Resident ) Insurance Agent s License of ) Frank Dean Barber ) NPN # 923632, ) The Kansas Resident Insurance Agency
BEFORE THE COMMISSIONER OF INSURANCE OF THE STATE OF KANSAS In the Matter of the Proposed Exemption of ) Financial Benefit Life Insurance Company from filing ) Form A regarding their proposed merger with
BEFORE THE COMMISSIONER OF INSURANCE OF THE STATE OF KANSAS In the Matter of the Proposed Exemption of ) General Electric Capital Corporation ) Docket No. 4400-EX FINAL ORDER Effective: 2-17-12 ORDER Now
BEFORE THE COMMISSIONER OF INSURANCE OF THE STATE OF KANSAS In the Matter of the Kansas Resident ) Insurance Agent s License of ) Docket No. 3165-CO GREGORY M. STRAND ) CONSENT ORDER The Kansas Insurance
MARKET CONDUCT EXAMINATION REPORT NATIONWIDE PROPERTY AND CASUALTY INSURANCE COMPANY NAIC #37877 June 30, 2009 Contents SALUTATION... 1 EXECUTIVE SUMMARY... 2 SCOPE OF EXAMINATION... 3 HISTORY AND PROFILE...
BEFORE THE COMMISSIONER OF INSURANCE OF THE STATE OF KANSAS FINAL ORDER EFFECTIVE: 3-4-15 In the Matter of the Proposed Adoption ) of the Financial Condition Examination ) Report as of December 31, 2013
BEFORE THE COMMISSIONER OF INSURANCE OF THE STATE OF KANSAS In the Matter of the Proposed ) Acquisition of Control of ) ) FINANCIAL AMERICAN LIFE INSURANCE COMPANY ) Formerly known as ) Docket No. 4216-ACQ
BEFORE THE COMMISSIONER OF INSURANCE OF THE STATE OF KANSAS In the Matter of NAL Insurance ) Docket No. 3975-SO Agency ) And In the Matter of Fred Styka ) Docket No. 3974 -SO FINAL ORDER NOW on this 2nd
BEFORE THE COMMISSIONER OF INSURANCE OF THE STATE OF KANSAS INSURANCE DEPARTMENT FINAL ORDER Effective: 12/10/01 In The Matter of INDEPENDENCE ) INDEMNITY INSURANCE COMPANY ) Docket No. 3029-SO SUMMARY
114CSR14 WEST VIRGINIA LEGISLATIVE RULE INSURANCE COMMISSIONER SERIES 14 UNFAIR TRADE PRACTICES Section. 114-14-1. General. 114-14-2. Definitions. 114-14-3. File and Record Documentation. 114-14-4. Representation
PATRIOT NATIONAL UNDERWRITERS, INC. Agent Agreement THIS AGENT AGREEMENT (the Agreement ) is made and entered into by and between Patriot National Underwriters, Inc., a Texas corporation ( Patriot ), and
BEFORE THE COMMISSIONER OF INSURANCE OF THE STATE OF KANSAS FINAL ORDER EFFECTIVE: 3-4-15 In the Matter of the Proposed Adoption ) of the Financial Condition Examination ) Report as of March 31, 2014 )
BEFORE THE COMMISSIONER OF INSURANCE OF THE STATE OF KANSAS In the Matter of the Proposed Adoption ) of the Financial Condition Examination ) Report as of December 31, 2013 ) Docket No. 4761-ER KHA Workers
BEFORE THE COMMISSIONER OF INSURANCE OF THE STATE OF KANSAS In the Matter of IVAN D. THOMPSON ) d/b/a THOMPSON SURETY COMPANY ) Docket No. 2929-SO and VIKING BAIL BONDS ) ORDER TO CEASE AND DESIST Pursuant
KANSAS DEPARTMENT OF LABOR Page 1 of 6 www.dol.ks.gov WORKERS COMPENSATION SELF-INSURANCE INFORMATION DOCUMENTS: K-WC 20 Bank Fact Sheet K-WC 105 Application Oath to Become a Self-Insurer K-WC 120 Application
Title 210 - NEBRASKA DEPARTMENT OF INSURANCE Chapter 32 - NEBRASKA HOSPITAL-MEDICAL LIABILITY ACT EXCESS LIABILITY FUND RESIDUAL MALPRACTICE INSURANCE AUTHORITY 001. Authority. This rule is promulgated
2001 PROPERTY AND CASUALTY TARGET MARKET CONDUCT EXAMINATION OF ILLINOIS NATIONAL INSURANCE COMPANY (AMERICAN INTERNATIONAL GROUP, INC.) BY THE FLORIDA DEPARTMENT OF INSURANCE DATE FILED: 4/08/03 TABLE
20-279.21. "Motor vehicle liability policy" defined. (a) A "motor vehicle liability policy" as said term is used in this Article shall mean an owner's or an operator's policy of liability insurance, certified
REPORT OF MARKET CONDUCT EXAMINATION GUIDEONE AMERICA INSURANCE COMPANY GUIDEONE ELITE INSURANCE COMPANY GUIDEONE MUTUAL INSURANCE COMPANY GUIDEONE SPECIALTY MUTUAL INSURANCE COMPANY 1111 ASHWORTH ROAD
1 of 8 6/25/2008 3:39 PM BULLETIN 96-7 FREQUENT PROBLEMS FOUND IN FILINGS Property and Casualty Lines Over the years we have found that insurance companies consistently fail to make their forms and filings
BEFORE THE COMMISSIONER OF INSURANCE OF THE STATE OF KANSAS In the Matter of the Kansas ) Resident Insurance Agent s ) Docket No. 3525-SO License of DALLAS E. AUCH ) FINAL ORDER (Pursuant to K.S.A. 2005
Article 21. Surplus Lines Act. 58-21-1. Short title. This Article shall be known and may be cited as the "Surplus Lines Act". (1985, c. 688, s. 1.) 58-21-2. Relationship to other insurance laws. Unless
114CSR59 WEST VIRGINIA LEGISLATIVE RULE INSURANCE COMMISSIONER SERIES 59 MEDICAL MALPRACTICE INSURANCE CONSENT TO RATE AND GUIDE A RATE AGREEMENTS Section 114-59-1. General. 114-59-2. Definitions. 114-59-3.
BENTON COUNTY PERSONAL SERVICES CONTRACT This is an agreement by and between BENTON COUNTY, OREGON, a political subdivision of the State of Oregon, hereinafter called COUNTY, and, hereinafter called CONTRACTOR.
304.20-040 Cancellation, nonrenewal, or termination of automobile insurance -- Definitions -- Scope -- Penalties. (1) As used in this section: (a) "Policy" means an automobile liability insurance policy,
BEFORE THE COMMISISONER OF INSURANCE OF THE STATE OF KANSAS FINAL ORDER Effective: 8-3-11 In the Matter of ) COMPLETE HOME SOLUTIONS, ) YOUR COMPLETE HOME SOLUTIONS, LLC, ) Docket No.: 4324-CO CHS CLAIMS
Medical Malpractice REVIEW REQUIREMENTS REFERENCE COMMENTS FORMS Applications REFERENCE COMMENTS Fee, filing 33-6-34 The Filing Fee is $50.00 per Form filing and applies on a per company basis. WVIL All
Table of Contents Model Regulation Service October 2007 DISCOUNT MEDICAL PLAN ORGANIZATION MODEL ACT Section 1. Section 2. Section 3. Section 4. Section 5. Section 6. Section 7. Section 8. Section 9. Section
Insurance Market Solutions Group, LLC Sub-Producer Agreement This Producer Agreement is made and entered into effective the day of, 20, by and between Insurance Market Solutions Group, LLC a Texas Company
Table of Contents State of Rhode Island and Providence Plantations DEPARTMENT OF BUSINESS REGULATION Division of Insurance 1511 Pontiac Avenue Cranston, RI 02920 INSURANCE REGULATION 21 MEDICAL MALPRACTICE
SENATE, NO. 2476 [Senate, June 17, 2010 - New draft of Senate, No. 462 and House, No. 979 reported from the committee on Financial Services.] The Commonwealth of Massachusetts IN THE YEAR OF TWO THOUSAND
HOUSE BILL No. 2114 AN ACT concerning the vehicle dealers and manufacturers licensing act; relating to vehicle bonds; amending K.S.A. 2000 Supp. 8-2404 and repealing the existing section. Be it enacted
Conditional Renewal by State Christopher J. Boggs Conditional renewal statutes and administrative rules are called conditional because the majority of these statutes apply only when there is a change in
BEFORE THE COMMISSIONER OF INSURANCE OF THE STATE OF KANSAS In the Matter of Best Life and Health ) Insurance Company ) Docket No. 3067-CO CONSENT ORDER Best Life and Health Insurance Company ( Best Life
GENERAL ASSEMBLY OF NORTH CAROLINA SESSION 2009 SESSION LAW 2009-561 SENATE BILL 749 AN ACT TO REVISE AND CLARIFY THE REQUIREMENTS FOR UNINSURED AND UNDERINSURED MOTORIST COVERAGE IN MOTOR VEHICLE LIABILITY
STATE OF MISSOURI DEPARTMENT OF INSURANCE, FINANCIAL INSTITUTIONS AND PROFESSIONAL REGISTRATION FINAL MARKET CONDUCT EXAMINATION REPORT Of the Property and Casualty Business of Direct General Insurance
INSTRUCTIONS FOR PREPAID SERVICE PLANS NEW OR RENEWAL APPLICATIONS The attached documents comprise the application necessary to obtain a Certificate of Registration as a prepaid legal or dental service
Insurance Producer Agreement Section 1 - Producer s Authority The Producer shall periodically submit risks to the Company for its consideration as authorized by the Company. These risks shall be located
Insurance Code section 11580.2 (a) (1) No policy of bodily injury liability insurance covering liability arising out of the ownership, maintenance, or use of any motor vehicle, except for policies that
Nebraska Debt Management Statutes Neb. Rev. Stat. 69-1201. Terms, defined. As used in sections 69-1201 to 69-1217, unless the context otherwise requires: (1) Debt management shall mean the planning and
COMMERCIAL EXCESS LIABILITY POLICY DECLARATIONS Policy No. Renewal 1. NAMED INSURED AND MAILING ADDRESS 2. POLICY PERIOD From To 12:01 A.M. standard time at your mailing address shown above. : 3. LIMITS
600 Automobile Insurance 1 606 Proof of Automobile Insurance 1.0 Authority This regulation is adopted under the authority of 18 Del.C. 314 and 2741; 21 Del.C. 2118(o), and adopted in cooperation with the
3426. Commercial lines insurance; cancellation and renewal provisions. (a) Definitions. As used in this section: (1) "Covered policy" means, for purposes of this section, a policy of commercial risk insurance,
Market Conduct Examination Franklin Mutual Insurance Company Fidelity Mohawk Insurance Company FMI Insurance Company STATE OF NEW JERSEY DEPARTMENT OF BANKING AND INSURANCE Office of Consumer Protection
NEW ERA LIFE INSURANCE COMPANY GENERAL AGENT S CONTRACT For Name Of Address City State Zip P.O. Box 4884 Houston, Texas 77210-4884 200 Westlake Park Blvd. Suite # 1200 Houston, Texas 77079 1-800-713-4680
BEFORE THE COMMISSIONER OF INSURANCE STATE OF KANSAS In the Matter of the Proposed ) Acquisition of Control of ) ) OLD UNITED CASUALTY COMPANY ) ) Docket No. 4727-ACQ By: ) ) BERKSHIRE HATHAWAY INC., )
STATE OF RHODE ISLAND AND PROVIDENCE PLANTATIONS DEPARTMENT OF REVENUE DIVISION OF MOTOR VEHICLES AMENDED RULES AND REGULATIONS RELATIVE TO COMPULSORY INSURANCE OR FINANCIAL RESPONSIBILITY WALTER R. CRADDOCK,
Banner Life Insurance Company 3275 Bennett Creek Avenue Frederick, Maryland 21704 (800) 638-8428 FINANCIAL INSTITUTION AGREEMENT 1. Subject to the terms and conditions of this Agreement, the undersigned
MARYLAND CLAIM SETTLEMENT LAWS AND REGULATIONS LAWS: SUBTITLE 3. UNFAIR CLAIM SETTLEMENT PRACTICES 27-301. Intent and effect of subtitle. (a) Intent of subtitle.- The intent of this subtitle is to provide
Article 41. Insurance Regulatory Reform Act. 58-41-1. Short title. This Article is known and may be cited as the Insurance Regulatory Reform Act. (1985 (Reg. Sess., 1986), c. 1027, s. 14.) 58-41-5. Legislative
THE BEACON MUTUAL INSURANCE COMPANY CHARTER Rhode Island Public Laws 2003, Chapter 410, enacted August 6, 2003; as amended by Rhode Island Public Laws 2005, Chapter 117, Article16, Section10, enacted July
CALIFORNIA DEPARTMENT OF INSURANCE LEGAL DIVISION Rate Enforcement Bureau Nikki S. McKennedy, Bar No. Fremont Street st Floor San Francisco CA Telephone: -- Facsimile: -0-0 Email: Nikki.McKennedy@insurance.ca.gov
TITLE 13 CHAPTER 12 PART 3 INSURANCE MOTOR VEHICLE INSURANCE UNINSURED AND UNKNOWN MOTORISTS COVERAGE 184.108.40.206 ISSUING AGENCY: New Mexico Public Regulation Commission Insurance Division. [7/1/97; 220.127.116.11
P.O. Box 889 394 NE Hemlock Redmond, OR 97756 BROKER AND CARRIER AGREEMENT All loads tendered by Central Oregon Truck Company ("Broker") and accepted for transportation by third party carriers ("Carrier")
MARYLAND LAWS AND REGULATIONS ON NON-RENEWAL/CANCELLATION OF INSURANCE LAWS: 27-601. (a) In this subtitle the following words have the meanings indicated. (b) (1) Commercial insurance means property insurance
1 NATIONAL CONTRACTORS INSURANCE COMPANY, INC., A RISK RETENTION GROUP NOTICE SUBSCRIPTION AND SHAREHOLDERS AGREEMENT This policy is issued by your risk retention group. Your risk retention group may not
Senate Bill 347 By: Senator Bethel of the 54th A BILL TO BE ENTITLED AN ACT 1 2 3 4 5 6 To amend Title 33 of the Official Code of Georgia Annotated, relating to insurance, so as to provide for extensive
FIRE, MARINE AND INLAND MARINE RATE REGULATORY ACT, THE Act of Jun. 11, 1947, P.L. 551, No. 247 Cl. 40 (Reenacted and amended Aug. 23, 1961, P.L.1053, No.483) AN ACT Relating to the regulation of rates
North Carolina State Board of Cosmetic Art Examiners STATE OF NORTH CAROLINA COUNTY OF G U A R A N T Y B O N D KNOW ALL PERSONS BY THESE PRESENTS THAT: WHEREAS, a school or college of beauty culture, or
Solicitor Without Per Diem Compensation AGREEMENT Products underwritten by: American General Life Insurance Company Houston, Texas The United States Life Insurance Company in the City of New York New York,