North Carolina

Articles 1 through 64 of this Chapter may be cited and shall be known as the Insurance Law.

Part 1.

Part 2.

Article 2.

Part 2.

Part 2.

Part 2.

Part 2.

Part 2.

Part 2.

Subpart 2.

Part 2.

Part 2.

Part 2.

Part 2.

Part 2.

Part 2.

Part 2.

Subpart 2.

Part 2.

Part 3.

Part 3.

Subpart 3.

Part 3.

Part 3.

Part 3.

Part 3.

Part 3.

Subpart 3.

Part 3.

Part 3.

Part 3.

Article 3.

Article 4.

Subpart 4.

Part 4.

Part 4.

Part 4.

Part 4.

Part 4.

Part 4.

Part 4.

Part 5.

Part 5.

Article 5.

Part 5.

Subpart 5.

Part 5.

Part 5.

Part 6.

Article 6.

Part 6.

Part 6.

Part 6.

Part 7.

Part 7.

Part 7.

Article 7.

Part 7.

Part 8.

Part 8.

Part 8.

Article 8.

Part 9.

Part 9.

Article 9.

Part 10.

Part 10.

Article 10.

Article 11.

Part 11.

Part 11.

Part 12.

Article 12.

Article 13.

Part 13.

Article 14.

Part 14.

Part 15.

Article 15.

Article 16.

Article 17.

Article 18.

Article 19.

Article 20.

Article 21.

Article 22.

Article 23.

Article 24.

Article 25.

Article 26.

Article 27.

Article 28.

Article 29.

Article 30.

Article 31.

Article 31A.

Article 32.

Article 33.

Article 33A.

Article 34.

Article 35.

Article 36.

Article 37.

Article 38.

Article 39.

Article 40.

Article 41.

Article 42.

Article 43

Article 44.

Article 44A.

Article 44B.

Article 45.

Article 46.

Article 47.

Article 48.

Article 49.

Article 50.

Article 50A.

Article 51.

Article 52.

Article 53.

Article 54.

Article 55.

Article 56.

Article 56A.

Article 56B.

Article 57.

Article 58.

Chapter 58.

§ 58-1-2. Insurance secondary sources not authoritative.

§ 58-1-5. Definitions.

§ 58-1-10. Contract of insurance.

§ 58-1-15. Warranties by manufacturers, distributors, or sellers of goods or services.

§ 58-1-20. Real property warranties.

§ 58-1-25: Recodified as G.S.

§ 58-1-30: Recodified as G.S.

§ 58-1-35: Recodified as G.S.

§ 58-1-36: Recodified as G.S.

§ 58-1-40: Repealed by Session Laws 1993 (Reg.

§ 58-1-42: Recodified as G.S.

§ 58-2-5. Commissioner's election and term of office.

§ 58-2-10. Salary of Commissioner.

§ 58-2-15. Chief deputy commissioner.

§ 58-2-20. Chief actuary.

§ 58-2-25. Other deputies, actuaries, examiners and employees.

§ 58-2-30. Appointments of committees or councils.

§ 58-2-31. Seniors' Health Insurance Information Program.

§ 58-2-35. Seal of Department.

§ 58-2-40. Powers and duties of Commissioner.

§ 58-2-45. Orders of Commissioner; when writing required.

§ 58-2-46. State of disaster automatic stay of proof of loss requirements; premium and debt deferrals.

§ 58-2-47. Incident affecting operations of the Department; stay of deadlines and deemer provisions.

§ 58-2-50. Examinations, hearings, and investigations.

§ 58-2-52. Appeals and rate-making hearings before the Commissioner.

§ 58-2-53. Filing approvals and disapprovals; clarification of law.

§ 58-2-55. Designated hearing officers.

§ 58-2-60. Restraining orders; criminal convictions.

§ 58-2-65. License surrenders.

§ 58-2-69. Notification of criminal convictions and changes of address; service of notice; contracts…

§ 58-2-70. Civil penalties or restitution for violations; administrative procedure.

§ 58-2-75. Court review of orders and decisions.

§ 58-2-80. Court review of rates and classification.

§ 58-2-85. Procedure on appeal under § 58-2-80.

§ 58-2-90. Extent of review under § 58-2-80.

§ 58-2-95: Recodified as G.S.

§ 58-2-100. Office of Commissioner a public office; records, etc., subject to inspection.

§ 58-2-105. Confidentiality of medical and credentialing records.

§ 58-2-110. Original documents and certified copies as evidence.

§ 58-2-115. Admissibility of certificate as evidence of agent's authority.

§ 58-2-120. Reports of Commissioner to the Governor and General Assembly.

§ 58-2-121: Recodified as G.S.

§ 58-2-125. Authority over all insurance companies; no exemptions from license.

§ 58-2-128. Interagency consultation.

§ 58-2-130: Repealed by Session Laws 1991, c.

§ 58-2-131. Examinations to be made; authority, scope, scheduling, and conduct of examinations.

§ 58-2-132. Examination reports.

§ 58-2-133. Conflict of interest; cost of examinations; immunity from liability.

§ 58-2-134. Cost of certain examinations.

§ 58-2-135: Repealed by Session Laws 1991, c.

§ 58-2-136. Insurer records sent to Department for examination; expenses.

§ 58-2-140: Repealed by Session Laws 1991, c.

§ 58-2-145: Repealed by Session Laws 1997-362, s.

§ 58-2-150. Oath required for compliance with law.

§ 58-2-155. Investigation of charges.

§ 58-2-160. Reporting and investigation of insurance and reinsurance fraud and the financial condition of licensees; immunity from liability.

§ 58-2-161. False statement to procure or deny benefit of insurance policy or certificate.

§ 58-2-162. Embezzlement by insurance producers or administrators.

§ 58-2-163. Report to Commissioner.

§ 58-2-164. Rate evasion fraud; prevention programs.

§ 58-2-165. Annual, semiannual, monthly, or quarterly statements to be filed with Commissioner.

§ 58-2-170: Repealed by Session Laws 2015-92, s.

§ 58-2-171. Qualifications of actuaries.

§ 58-2-175: Repealed by Session Laws 1993, c.

§ 58-2-180. Punishment for making false statement.

§ 58-2-185. Record of business kept by companies and insurance producers; Commissioner may inspect.

§ 58-2-190. Commissioner may require special reports.

§ 58-2-195. Commissioner may require records, reports, etc., for agencies, insurance producers, and others.

§ 58-2-200. Books and papers required to be exhibited.

§ 58-2-205. CPA audits of financial statements.

§ 58-2-210. Rules for mortgage insurance consolidations.

§ 58-2-215. Consumer Protection Fund.

§ 58-2-220. Insurance Regulatory Information System and similar program test data not public records.

§ 58-2-225: Repealed by Session Laws 1995, c.

§ 58-2-230. Commissioner to share information with Department of Labor.

§ 58-2-235: Expired.

§ 58-2-240. Market conduct analysis, financial analysis, and related information not public record.

§ 58-2-245. Access to employer taxpayer identification numbers contained in public documents.

§ 58-2-250. Electronic filings.

§ 58-2-255. Electronic insurance communications and records.

§ 58-3-5. No insurance contracts except under Articles 1 through 64 of this Chapter.

§ 58-3-6. Charitable gift annuities.

§ 58-3-7. Certain accountable care organizations not subject to this Chapter.

§ 58-3-8. Medical direct primary care agreements not subject to this Chapter.

§ 58-3-10. Statements in application not warranties.

§ 58-3-15. Additional or coinsurance clause.

§ 58-3-20. Group plans other than life, annuity or accident and health.

§ 58-3-25. Discriminatory practices prohibited.

§ 58-3-30. Meaning of terms "accident", "accidental injury", and "accidental means".

§ 58-3-33. Insurer conditionally required to provide information.

§ 58-3-35. Stipulations as to jurisdiction and limitation of actions.

§ 58-3-40. Proof of loss forms required to be furnished.

§ 58-3-45. Insurance as security for a loan by the company.

§ 58-3-50. Companies must do business in own name; emblems, insignias, etc.

§ 58-3-55. Must not pay death benefits in services.

§ 58-3-60. Publication of assets and liabilities; penalty for failure.

§ 58-3-65. Publication of financial information.

§ 58-3-70: Repealed by Session Laws 1993, c.

§ 58-3-71. Unearned premium reserves.

§ 58-3-72. Premium deficiency reserves.

§ 58-3-75. Loss and loss expense reserves of fire and marine insurance companies.

§ 58-3-80: Repealed by Session Laws 1993, c.

§ 58-3-81. Loss and loss expense reserves of casualty insurance and surety companies.

§ 58-3-85. Corporation or association maintaining office in State required to qualify and secure license.

§ 58-3-90: Repealed by Session Laws 2001-223, s.

§ 58-3-95: Repealed by Session Laws 1991, c.

§ 58-3-100. Insurance company licensing provisions.

§ 58-3-102: Repealed by Session Laws 2021-64, s.

§ 58-3-105. Limitation of risk.

§ 58-3-110. Limitation of liability assumed.

§ 58-3-115. Twisting with respect to insurance policies; penalties.

§ 58-3-120. Discrimination forbidden.

§ 58-3-121. Discrimination against coverage of certain bones and joints prohibited.

§ 58-3-122. Anesthesia and hospital charges necessary for safe and effective administration of denta…

§ 58-3-125. Repealed by Session Laws 1999-132, s.

§ 58-3-130. Insurance producer, adjuster, etc., acting without a license or violating insurance law.

§ 58-3-135. Certain insurance activities by lenders with customers prohibited.

§ 58-3-137. Prohibition on provisions relating to replacement cost estimators.

§ 58-3-140. Temporary contracts of insurance permitted.

§ 58-3-145. Solicitation, negotiation or payment of premiums on insurance policies.

§ 58-3-147. Credit card guaranty or collateral prohibited.

§ 58-3-149. Certificates of insurance.

§ 58-3-150. Forms to be approved by Commissioner.

§ 58-3-151. Deemer provisions.

§ 58-3-152. Excess liability policies; uninsured and underinsured motorist coverages.

§ 58-3-155. Business transacted with insurer-controlled brokers.

§ 58-3-160. Sale of company or major reorganization; license to be restricted.

§ 58-3-165. Business transacted with producer-controlled property or casualty insurers.

§ 58-3-167. Applicability of acts of the General Assembly to health benefit plans.

§ 58-3-168. Coverage for postmastectomy inpatient care.

§ 58-3-169. Required coverage for minimum hospital stay following birth.

§ 58-3-170. Requirements for maternity coverage.

§ 58-3-171. Uniform claim forms.

§ 58-3-172. Notice of claim denied.

§ 58-3-173: Repealed by Session Laws 1997-259, s.

§ 58-3-174. Coverage for bone mass measurement for diagnosis and evaluation of osteoporosis or low bone mass.

§ 58-3-175. Direct payment to government agencies.

§ 58-3-176. Treatment discussions not limited.

§ 58-3-177. Uniform prescription drug identification cards.

§ 58-3-178. Coverage for prescription contraceptive drugs or devices and for outpatient contraceptive services; exemption for religious employers.

§ 58-3-179. Coverage for colorectal cancer screening.

§ 58-3-180. Motor vehicle repairs; selection by claimant.

§ 58-3-181. Synchronization of prescription refills.

§ 58-3-182. (Effective January 1, 2027) Consumer protections/prescription cost-sharing.

§ 58-3-185. Lien created for payment of past-due child support obligations.

§ 58-3-190. Coverage required for emergency care.

§ 58-3-191. Managed care reporting and disclosure requirements.

§ 58-3-192. Coverage for autism spectrum disorder.

§ 58-3-200. Miscellaneous insurance and managed care coverage and network provisions.

§ 58-3-215. Genetic information in health insurance.

§ 58-3-220. Mental illness benefits coverage.

§ 58-3-221. Access to nonformulary and restricted access prescription drugs.

§ 58-3-223. Managed care access to specialist care.

§ 58-3-225. Prompt claim payments under health benefit plans.

§ 58-3-227. Health plans fee schedules.

§ 58-3-228. Coverage for extra prescriptions during a state of emergency or disaster.

§ 58-3-230. Uniform provider credentialing.

§ 58-3-231. Payment under locum tenens arrangements.

§ 58-3-235. Selection of specialist as primary care provider.

§ 58-3-240. Direct access to pediatrician for minors.

§ 58-3-241. Healthcare services provided by pharmacists.

§ 58-3-245. Provider directories; cost tools for insured.

§ 58-3-247. Insurance identification card.

§ 58-3-250. Payment obligations for covered services.

§ 58-3-255. Coverage of clinical trials.

§ 58-3-256. Coverage related to organ transplants.

§ 58-3-260. Insurance coverage for newborn hearing screening mandated.

§ 58-3-265. Prohibition on managed care provider incentives.

§ 58-3-270. Coverage for surveillance tests for women at risk for ovarian cancer.

§ 58-3-275. Closure of a block of business.

§ 58-3-276: Repealed by Session Laws 2013-410, s.

§ 58-3-280. Coverage for the diagnosis and treatment of lymphedema.

§ 58-3-285. Coverage for hearing aids.

§ 58-3-290. Nondependent child coverage defined; open enrollment.

§ 58-3-295: Reserved for future codification purposes.

§ 58-3-300. Health insurance issuers subject to certain requirements of federal law.

§ 58-4-5. Filing requirements.

§ 58-4-10. Immunity.

§ 58-4-15. Revocation or suspension of license.

§ 58-4-20: Recodified as § 58-2-220 pursuant to Session Laws 1989 (Regular Session, 1990), c.

§ 58-4-25. Insurance Regulatory Information System and similar program test data records.

§ 58-5-5. Amount of deposits required of foreign or alien fire and/or marine insurance companies.

§ 58-5-10. Amount of deposits required of foreign or alien fidelity, surety and casualty insurance companies.

§ 58-5-15. Minimum deposit required upon admission.

§ 58-5-20. Type of deposits.

§ 58-5-25. Replacements upon depreciation of securities.

§ 58-5-30. Power of attorney.

§ 58-5-35. Securities held by Treasurer; faith of State pledged therefor; nontaxable.

§ 58-5-40. Authority to increase deposit.

§ 58-5-45: Repealed by Session Laws 1991, c.

§ 58-5-50. Deposits of foreign life insurance companies.

§ 58-5-55. Deposits of capital and surplus by domestic insurance companies.

§ 58-5-60: Repealed by Session Laws 1995, c.

§ 58-5-63. Interest; liquidation of deposits for liabilities.

§ 58-5-70. Lien of policyholders; action to enforce.

§ 58-5-71. Liens of policyholders; subordination.

§ 58-5-75. Substitution for securities paid.

§ 58-5-80. Return of deposits.

§ 58-5-85: Repealed by Session Laws 1991, c.

§ 58-5-90. Deposits held in trust by Commissioner or Treasurer.

§ 58-5-95. Deposits subject to approval and control of Commissioner.

§ 58-5-100. Deposits by alien companies required and regulated.

§ 58-5-105. Deposits by life companies not chartered in United States.

§ 58-5-110. Registration of bonds deposited in name of Treasurer or Commissioner.

§ 58-5-115. Notation of registration; release.

§ 58-5-120. Expenses of registration.

§ 58-5-125: Repealed by Session Laws 1991, c.

§ 58-6-5. Schedule of fees and charges.

§ 58-6-7. Licenses; perpetual licensing; annual license continuation fees for insurance companies.

§ 58-6-10. Repealed by Session Laws 1999-132, s 1.1.

§ 58-6-15. Annual license continuation fee definition; requirements.

§ 58-6-20. Policyholders to furnish information.

§ 58-6-25. Insurance regulatory charge.

§ 58-7-5. Extension of existing charters.

§ 58-7-10. Certificate required before issuing policies.

§ 58-7-15. Kinds of insurance authorized.

§ 58-7-16. Funding agreements authorized.

§ 58-7-20: Repealed by Session Laws 1991, c.

§ 58-7-21. Credit allowed a domestic ceding insurer.

§ 58-7-22. Term and universal life insurance reserve financing.

§ 58-7-25: Repealed by Session Laws 1991, c.

§ 58-7-26. Asset or reduction from liability for reinsurance ceded by a domestic insurer to an assuming insurer not meeting the requirements of G.S.

§ 58-7-30. Insolvent ceding insurer.

§ 58-7-31. Life and health reinsurance agreements.

§ 58-7-32: Repealed by Session Laws 1993, c.

§ 58-7-33. Minimum policyholders' surplus to assume property or casualty reinsurance.

§ 58-7-35. Manner of creating such corporations.

§ 58-7-37. Background of incorporators and proposed management personnel.

§ 58-7-40. First meeting; organization; license.

§ 58-7-45. Bylaws; classification and election of directors; amendments.

§ 58-7-46. Notification to Commissioner for president or chief executive officer changes.

§ 58-7-50. Maintenance and removal of records and assets.

§ 58-7-55. Exceptions to requirements of G.S.

§ 58-7-60. Approval as a domestic insurer.

§ 58-7-65. Conversion to foreign insurer.

§ 58-7-70. Effects of redomestication.

§ 58-7-73. Dissolutions of insurers.

§ 58-7-75. Amount of capital and/or surplus required; impairment of capital or surplus.

§ 58-7-80. Capital stock fully paid in cash.

§§ 58-7-85 through 58-7-90: Repealed by Session Laws 1991, c.

§ 58-7-95. Establishment of separate accounts by life insurance companies.

§ 58-7-100: Repealed by Session Laws 1991, c.

§ 58-7-105. Authority to increase or reduce capital stock.

§ 58-7-110. Assessment of shares; revocation of license.

§ 58-7-115. Increase of capital stock.

§ 58-7-120. Reduction of capital stock.

§ 58-7-125. Dividends not payable when capital stock impaired; liability of stockholders for unlawful dividends.

§ 58-7-130. Dividends and distributions to stockholders.

§ 58-7-135: Repealed by Session Laws 1993, c.

§ 58-7-140. Certain officers debarred from commissions.

§ 58-7-145. Restrictions on purchase and sale of equity securities of domestic companies.

§ 58-7-150. Consolidation.

§ 58-7-155: Repealed by Session Laws 2005-424, s.

§ 58-7-160. Investments unlawfully acquired.

§ 58-7-162. Allowable or admitted assets.

§ 58-7-163. Assets not allowed.

§ 58-7-165. Eligible investments.

§ 58-7-167. General qualifications.

§ 58-7-168. Authorization of investment.

§ 58-7-170. Diversification.

§ 58-7-172. Cash and deposits.

§ 58-7-173. Permitted insurer investments.

§ 58-7-175. Policy loans.

§ 58-7-177: Repealed by Session Laws 2001-223, s.

§ 58-7-178. Foreign or territorial investments.

§ 58-7-179. Mortgage loans.

§ 58-7-180. Chattel mortgages.

§ 58-7-182. Special investments by title insurers.

§ 58-7-183. Special consent investments.

§ 58-7-185. Prohibited investments and investment underwriting.

§ 58-7-187. Real estate, in general.

§ 58-7-188. Time limit for disposal of ineligible property and securities; effect of failure to dispose.

§ 58-7-190: Repealed by Session Laws 1993, c.

§ 58-7-192. Valuation of securities and investments.

§ 58-7-193. Valuation of property.

§ 58-7-195: Repealed by Session Laws 2003-212, s.

§ 58-7-197. Replacing certain assets; reporting certain liabilities.

§ 58-7-198. Assets of foreign or alien insurers.

§ 58-7-200. Investment transactions.

§ 58-7-205. Derivative transactions.

§ 58-8-5. Manner of amending charter.

§ 58-8-10. Policyholders are members of mutual companies.

§ 58-8-15. Directors in mutual companies.

§ 58-8-20. Mutual companies with a guaranty capital.

§ 58-8-25. Dividends to policyholders.

§ 58-8-30. Contingent liability of policyholders.

§ 58-8-35. Contingent liability printed on policy.

§ 58-8-36. Administrative fees.

§ 58-8-40. Nonassessable policies; foreign or alien companies.

§ 58-8-45. Waiver of forfeiture in policies assigned or pledged; notice of assignment; payment of assessment or premium by assignee or mortgagee.

§ 58-8-50. Guaranty against assessments prohibited.

§ 58-8-55. Manner of making assessments; rights and liabilities of policyholders.

§ 58-8-60. Independent charters for members of the Farmers Mutual Fire Insurance Association of North Carolina.

§ 58-9-2. Reinsurance intermediaries.

§ 58-9-5: Repealed by Session Laws 1993, c.

§ 58-9-6. Licensing.

§ 58-9-10: Repealed by Session Laws 1993, c.

§ 58-9-11. Broker and insurer transactions.

§ 58-9-15: Repealed by Session Laws 1993, c.

§ 58-9-16. Manager and reinsurer transactions.

§ 58-9-20: Repealed by Session Laws 1993, c.

§ 58-9-21. Miscellaneous provisions.

§ 58-9-22. Compliance with orders.

§ 58-9-25: Repealed by Session Laws 1993, c.

§ 58-9-26. Sanctions.

§ 58-9-30: Repealed by Session Laws 1993, c.

§ 58-10-5. Stock acquired to be turned over to voting trust until all stock acquired; dividends repaid to corporation for beneficiaries.

§ 58-10-10. Mutual to stock insurer conversion.

§ 58-10-12. Conversion plan requirements.

§ 58-10-25. Definitions.

§ 58-10-30. Notice requirements.

§ 58-10-35. Policyholder rights.

§ 58-10-40. Effect of consent.

§ 58-10-45. Commissioner's discretion.

§ 58-10-60. Acquisitions and dispositions of assets.

§ 58-10-65. Nonrenewals, cancellations, or revisions of ceded reinsurance agreements.

§ 58-10-80. Definitions.

§ 58-10-85. Establishment of protected cells.

§ 58-10-90. Use and operation of protected cells.

§ 58-10-95. Reach of creditors and other claimants.

§ 58-10-100. Conservation, rehabilitation, or liquidation of protected cell companies.

§ 58-10-105. No transaction of an insurance business.

§ 58-10-110. Authority to adopt rules.

§ 58-10-125. Policyholders position and capital and surplus requirements.

§ 58-10-130. Unearned premium reserve.

§ 58-10-135. Contingency reserve for mortgage guaranty insurers.

§ 58-10-140. Report of policyholder's position.

§ 58-10-145. Monoline requirement for mortgage guaranty insurers.

§ 58-10-155. Actuarial opinion summary.

§ 58-10-160. Actuarial report and work papers.

§ 58-10-165. Monetary penalties for failure to provide documents.

§ 58-10-170. Qualified immunity of appointed actuary.

§ 58-10-175. Confidentiality.

§ 58-10-190. Definitions.

§ 58-10-195. General requirements related to filing and extensions for filing of annual audited financial reports and audit committee appointment.

§ 58-10-200. Contents of annual audited financial report.

§ 58-10-205. Designation of independent certified public accountant.

§ 58-10-210. Qualifications of independent certified public accountant.

§ 58-10-215. Consolidated or combined audits.

§ 58-10-220. Scope of audit and report of independent certified public accountant.

§ 58-10-225. Notification of adverse financial condition.

§ 58-10-230. Communication of internal control related matters noted in an audit.

§ 58-10-235. Accountant's letter of qualifications.

§ 58-10-240. Definition, availability, and maintenance of independent certified public accountants' work papers.

§ 58-10-245. Requirements for audit committees.

§ 58-10-246. Internal audit function requirements.

§ 58-10-250. Conduct of insurer in connection with the preparation of required reports and documents.

§ 58-10-255. Management's report of internal control over financial reporting.

§ 58-10-260. Exemptions and effective dates.

§ 58-10-265. Canadian and British companies.

§ 58-10-280. General provisions.

§ 58-10-285. Application; contents; process.

§ 58-10-290. Plan of reorganization.

§ 58-10-295. Powers of the Commissioner.

§ 58-10-300. Special financial requirements.

§ 58-10-305. Reorganization of domestic mutual insurer with mutual insurance holding company.

§ 58-10-310. Mergers of mutual insurance holding companies.

§ 58-10-315. Stock offerings.

§ 58-10-320. Regulation of holding company system.

§ 58-10-325. Reporting of stock ownership and transactions.

§ 58-10-340. Definitions.

§ 58-10-345. Licensing; authority; confidentiality.

§ 58-10-347. Provisional approval for a license.

§ 58-10-350. Commissioner use of consultants and other professionals.

§ 58-10-355. Organizational audit.

§ 58-10-360. Designation of captive manager.

§ 58-10-365. Names of companies.

§ 58-10-370. Capital and surplus requirements.

§ 58-10-375. Dividends and distributions.

§ 58-10-380. Formation of captive insurance companies.

§ 58-10-385. Governing board members, officers, and employees.

§ 58-10-390. Conflict of interest.

§ 58-10-395. Plan of operation change.

§ 58-10-400. Insurance manager and intermediaries.

§ 58-10-405. Annual reports.

§ 58-10-410: Reserved for future codification purposes.

§ 58-10-415. Annual audit and statement of actuarial opinion.

§ 58-10-420. Independent certified public accountants.

§ 58-10-425. Deposit requirement.

§ 58-10-430. Audits and Financial Analysis.

§ 58-10-435. License suspension or revocation.

§ 58-10-440. Investment requirements.

§ 58-10-445. Reinsurance.

§ 58-10-450. Membership in rating organizations; exemption from compulsory associations.

§ 58-10-455. Taxation.

§ 58-10-460. Adoption and amendment of rules by Commissioner.

§ 58-10-465. Applicable provisions.

§ 58-10-470: Repealed by Session Laws 2016-78, s.

§ 58-10-475. Supervision; rehabilitation; liquidation.

§ 58-10-480. Authority for expenditure of public funds.

§ 58-10-485. Violations and penalties.

§ 58-10-490. Inactive captive insurance companies.

§ 58-10-495. Captive insurance companies reinsuring life insurance policies.

§ 58-10-496. Waiver or modification.

§ 58-10-505. Additional filing requirements for applicant protected cell captive insurance companies.

§ 58-10-510. Establishment of protected cells.

§ 58-10-512. Incorporated protected cells.

§ 58-10-513. Cell shares and cell dividends.

§ 58-10-515. Participants in a protected cell captive insurance company.

§ 58-10-517. Company to inform persons they are dealing with protected cell captive insurance company.

§ 58-10-520. Combining assets of protected cells.

§ 58-10-525. Application of supervision, rehabilitation, and liquidation provisions to protected cell captive insurance companies.

§ 58-10-535. Security for payment of branch captive insurance company liabilities.

§ 58-10-540: Repealed by Session Laws 2015-99, s.

§ 58-10-545. Filing of reports and statements.

§ 58-10-550. Audit of a branch captive insurance company.

§ 58-10-560. Controlling provisions when conflict exists; exemptions.

§ 58-10-565. Application requirements.

§ 58-10-570. Organization of an SPFC.

§ 58-10-575. Minimum capital.

§ 58-10-580. Authorized activities.

§ 58-10-585. Establishment of protected cell accounts.

§ 58-10-590. Protected cell accounts.

§ 58-10-595. Issuing securities.

§ 58-10-600. Asset management agreements.

§ 58-10-605. Reinsurance.

§ 58-10-610. No securities considered to be insurance or reinsurance contracts.

§ 58-10-615. Disposition of assets; investment limitations.

§ 58-10-620. Dividends.

§ 58-10-625. Changes in plan of operation; filing of audit and statement of operation; audits.

§ 58-10-630. Cessation of business.

§ 58-10-635. Supervision, rehabilitation, or liquidation of SPFC.

§ 58-10-655. Commissioner to share information with Department of Revenue.

§ 58-10-705. Definitions.

§ 58-10-710. Risk management framework.

§ 58-10-715. ORSA requirement.

§ 58-10-720. ORSA Summary Report.

§ 58-10-725. Exemption.

§ 58-10-730. Contents of ORSA Summary Report.

§ 58-10-735. Confidentiality.

§ 58-10-740. Sanctions.

§ 58-10-745. Severability clause.

§ 58-10-760. Definitions.

§ 58-10-765. Disclosure requirement and filing procedures.

§ 58-10-770. Rules and regulations.

§ 58-10-775. Contents of corporate governance annual disclosure.

§ 58-10-780. Confidentiality.

§ 58-10-785. NAIC and third-party consultants.

§ 58-10-790. Sanctions.

§ 58-11-5. Contracts must accord with charter and bylaws.

§ 58-11-10. "Assessment plan" printed on application and policy.

§ 58-11-15. Revocation for noncompliance.

§ 58-11-20. Deposits and advance assessments required.

§ 58-11-25. Deposits by foreign assessment companies or orders.

§ 58-11-30. Revocation of license.

§ 58-11-35. Mutual life insurance companies; assessments prohibited.

§ 58-12-2. Definitions.

§ 58-12-4. Finding; endorsement of additional capital.

§ 58-12-5. Repealed by Session Laws 1993, c.

§ 58-12-6. Risk-based capital reports.

§ 58-12-10. Repealed by Session Laws 1993, c.

§ 58-12-11. Company action level event.

§ 58-12-15. Repealed by Session Laws 1993, c.

§ 58-12-16. Regulatory action level event.

§ 58-12-20. Repealed by Session Laws 1993, c.

§ 58-12-21. Authorized control level event.

§ 58-12-25. Mandatory control level event.

§ 58-12-30. Hearings.

§ 58-12-35. Confidentiality and prohibition on announcements.

§ 58-12-40. Supplemental provisions; rules; exemptions.

§ 58-12-45. Foreign insurers.

§ 58-12-50. Notices.

§ 58-12-55. Phase-in provision.

§ 58-12-60. Property or casualty phase-in provision.

§ 58-12-65. Health organization phase-in provision.

§ 58-12-70. HMO net worth requirements.

§ 58-13-5. Purposes.

§ 58-13-10. Scope.

§ 58-13-15. Definitions.

§ 58-13-20. Exception.

§ 58-13-25. Prohibition of hypothecation.

§ 58-14-5. Domestic insurers prohibited from transacting business in foreign states without authorization; exceptions.

§ 58-14-10. Domestic insurers; advertising; exceptions.

§ 58-14-15. Penalties provided for unauthorized acts.

§ 58-15-5. Definitions.

§ 58-15-10. Kinds of insurance.

§ 58-15-15. Risk limitations.

§ 58-15-20. Eligible contracting persons.

§ 58-15-25. Business name.

§ 58-15-30. License, surplus, and deposit requirements.

§ 58-15-35. Continuation of business under prior requirements.

§ 58-15-40. Certification of foreign and alien reciprocals.

§ 58-15-45. Attorney's domicile.

§ 58-15-50. Contracts and property.

§ 58-15-55. Insurance producer license.

§ 58-15-60. Subscribers' contingent liability.

§ 58-15-65. Nonassessable policies.

§ 58-15-70. Distribution to subscribers.

§ 58-15-75. Reserves.

§ 58-15-80: Reserved for future codification purposes.

§ 58-15-85. Service of process.

§ 58-15-90. Legal proceedings.

§ 58-15-95. Liability on judgments.

§ 58-15-105. Attorney's bond.

§ 58-15-110. Deposit in lieu of bond.

§ 58-15-115. Advisory committee.

§ 58-15-120. Subscriber's agreement and power of attorney.

§ 58-15-125. Modification of subscriber's agreement and power of attorney.

§ 58-15-130. Advance of funds.

§ 58-15-135. Assessments.

§ 58-15-140. Duration of liability for assessment.

§ 58-15-145. Distribution of assets after liquidation.

§ 58-15-150. Financial impairment; assessment; liquidation.

§ 58-16-5. Conditions of licensure.

§ 58-16-6. Conditions of continued licensure.

§ 58-16-10. Limitation as to kinds of insurance.

§ 58-16-15. Foreign companies; requirements for admission.

§ 58-16-20. Company owned or controlled by foreign government prohibited from doing business.

§ 58-16-25. Retaliatory laws.

§ 58-16-30. Service of legal process upon Commissioner.

§ 58-16-35. Unauthorized Insurers Process Act.

§ 58-16-40. Alternative service of process on insurers.

§ 58-16-45. Commissioner to notify company of service or acceptance of service of process.

§ 58-16-50. Action to enforce compliance with this Chapter.

§ 58-16-55. Amendments to documents.

§§ 58-18-1 through 58-18-25: Repealed by Session Laws 2001-223, s.

§§ 58-18-1 through 58-18-25: Repealed by Session Laws 2001-223, s.

§§ 58-18-1 through 58-18-25: Repealed by Session Laws 2001-223, s.

§§ 58-18-1 through 58-18-25: Repealed by Session Laws 2001-223, s.

§§ 58-18-1 through 58-18-25: Repealed by Session Laws 2001-223, s.

§ 58-19-2. Compliance with federal law.

§ 58-19-5. Definitions.

§ 58-19-10. Affiliates or subsidiaries of insurers.

§ 58-19-15. Acquisition of control of or merger with domestic insurer.

§ 58-19-17. Foreign or alien insurer's report of change of control.

§ 58-19-20: Repealed by Session Laws 1993, c.

§ 58-19-25. Registration of insurers; disclaimer of affiliation; enterprise risk filings.

§ 58-19-26. Group capital calculation.

§ 58-19-27. Liquidity stress test.

§ 58-19-28. Dissemination prohibited.

§ 58-19-30. Standards and management of an insurer within an insurance holding company system.

§ 58-19-35. Examination.

§ 58-19-37. Supervisory colleges.

§ 58-19-38. Group-wide supervision of internationally active insurance groups.

§ 58-19-40. Confidential treatment.

§ 58-19-45. Injunctions; prohibitions against the voting of securities; sequestration of voting securities.

§ 58-19-50. Sanctions.

§ 58-19-55. Receivership.

§ 58-19-60. Recovery.

§ 58-19-65. Revocation or suspension of insurer's license.

§ 58-19-70. Judicial review; mandatory injunction or writ of mandamus.

§ 58-19-75. Forms - general requirements.

§ 58-19-80. Forms - incorporation by reference, summaries and omissions.

§ 58-19-85. Forms - information unknown or unavailable and extension of time to furnish.

§ 58-19-90. Forms - additional information and exhibits.

§ 58-20-5. Definitions.

§ 58-20-10. Commercial Fishermen Hull Insurance, and Protection and Indemnity Clubs authorized.

§ 58-20-15. Board of trustees.

§ 58-20-20. Mutual agreement for indemnification.

§ 58-20-25. Termination of Club membership; notice.

§ 58-20-30. Financial monitoring and evaluation of clubs.

§ 58-20-35. Insolvency or impairment of Club.

§ 58-20-40. Immunity of administrators and boards of trustees.

§ 58-21-2. Relationship to other insurance laws.

§ 58-21-4. Nonadmitted and Reinsurance Reform Act duties.

§ 58-21-5. Purposes; necessity for regulation.

§ 58-21-10. Definitions.

§ 58-21-11. Home state.

§ 58-21-15. Placement of surplus lines insurance.

§ 58-21-16. Streamlined application for commercial purchasers.

§ 58-21-17. Placement with alien insurers.

§ 58-21-20. Eligible surplus lines insurer required.

§ 58-21-21. Nonadmitted domestic surplus lines insurer.

§ 58-21-22. Limitation on amount of salary protection insurance.

§ 58-21-25. Other nonadmitted insurers.

§ 58-21-30. Withdrawal of eligibility from a surplus lines insurer.

§ 58-21-35. Duty to file and retain reports.

§ 58-21-40. Surplus lines regulatory support organization.

§ 58-21-45. Evidence of the insurance; changes; penalty.

§ 58-21-50. Duty to notify insured.

§ 58-21-55. Valid surplus lines insurance.

§ 58-21-60. Effect of payment to surplus lines licensee.

§ 58-21-65. Licensing of surplus lines license.

§ 58-21-70. Surplus lines licensees may accept business from other agents or brokers.

§ 58-21-75. Records of surplus lines licensee.

§ 58-21-80. Repealed by Session Laws 2019-179, s.

§ 58-21-85. Surplus lines tax.

§ 58-21-90. Collection of tax.

§ 58-21-95. Suspension, revocation or nonrenewal of surplus lines licensee's license.

§ 58-21-100. Actions against surplus lines insurer; service of process.

§ 58-21-105. Penalties.

§ 58-22-5: Reserved for future codification purposes.

§ 58-22-10. Definitions.

§ 58-22-15. Risk retention groups chartered in this State.

§ 58-22-20. Risk retention groups not chartered in this State.

§ 58-22-25. Compulsory association.

§ 58-22-30. Countersignature not required.

§ 58-22-35. Purchasing groups; exemption from certain laws relating to the group purchase of insurance.

§ 58-22-40. Notice and registration requirements of purchasing groups.

§ 58-22-45. Restriction on insurance purchased by purchasing groups.

§ 58-22-50. Administrative and procedural authority regarding risk retention groups and purchasing groups.

§ 58-22-55. Penalties.

§ 58-22-60. Duty of agents or brokers to obtain license.

§ 58-22-65. Binding effect of orders issued in U.S.

§ 58-22-70. Registration and renewal fees.

§ 58-23-5. Local government pooling of property, liability and workers' compensation coverages.

§ 58-23-10. Board of trustees.

§ 58-23-15. Contract.

§ 58-23-20. Termination.

§ 58-23-25: Repealed by Session Laws 1993, c.

§ 58-23-26. Financial monitoring and evaluation of pools.

§ 58-23-30. Insolvency or impairment of pool.

§ 58-23-35. Immunity of administrators and boards of trustees.

§ 58-23-40. Pools not covered by guaranty associations.

§ 58-23-45. Relationship to other insurance laws.

§ 58-24-5. Lodge system.

§ 58-24-10. Representative form of government.

§ 58-24-15. Terms used.

§ 58-24-20. Purposes and powers.

§ 58-24-25. Qualifications for membership.

§ 58-24-30. Location of office, meetings, communications to members, grievance procedures.

§ 58-24-35. No personal liability.

§ 58-24-40. Waiver.

§ 58-24-45. Organization.

§ 58-24-50. Amendments to laws.

§ 58-24-55. Institutions.

§ 58-24-60. Reinsurance.

§ 58-24-65. Consolidations and mergers.

§ 58-24-70. Conversion of fraternal benefit society into mutual life insurance company.

§ 58-24-75. Benefits.

§ 58-24-80. Beneficiaries.

§ 58-24-85. Benefits not attachable.

§ 58-24-90. The benefit contract.

§ 58-24-95. Nonforfeiture benefits, cash surrender values, certificate loans and other options.

§ 58-24-100. Investments.

§ 58-24-105. Funds.

§ 58-24-110. Exemptions.

§ 58-24-115. Taxation.

§ 58-24-120. Valuation.

§ 58-24-125. Reports.

§ 58-24-130. Perpetual license.

§ 58-24-135. Examination of societies; no adverse publications.

§ 58-24-140. Foreign or alien society - Admission.

§ 58-24-145. Injunction - Liquidation - Receivership of domestic society.

§ 58-24-150. Suspension, revocation or refusal of license of foreign or alien society.

§ 58-24-155. Injunction.

§ 58-24-160. Licensing of agents.

§ 58-24-165. Unfair methods of competition and unfair and deceptive acts and practices.

§ 58-24-170. Service of process.

§ 58-24-175. Review.

§ 58-24-180. Penalties.

§ 58-24-185. Exemption of certain societies, orders, and associations.

§ 58-24-190. Severability.

§ 58-25-5. Fraternal orders defined.

§ 58-25-10. Funds derived from assessments and dues.

§ 58-25-15. Appointment of member as receiver or collector; appointee as agent for order or society; rights of members.

§ 58-25-20. Meetings of governing body; principal office.

§ 58-25-25. Conditions precedent to doing business.

§ 58-25-30. Certain lodge systems exempt.

§ 58-25-35. Insurance on children.

§ 58-25-40. Medical examination; certificates and contributions.

§ 58-25-45. Reserve fund; exchange of certificates.

§ 58-25-50. Separation of funds.

§ 58-25-55. Payments to expense or general fund.

§ 58-25-60. Continuation of certificates.

§ 58-25-65. Appointment of trustees to hold property.

§ 58-25-70. Unauthorized wearing of badges, etc.

§ 58-26-5. Certificate of authority to do business.

§ 58-26-6. Exemption for policies issued on property affected by boundary certification.

§ 58-26-10. Financial statements and licenses required.

§ 58-26-15. Limitation of risk.

§ 58-26-20. Statutory premium reserve.

§ 58-26-25. Amount of unearned statutory premium reserve.

§ 58-26-30: Repealed by Session Laws 2002-187, s.

§ 58-26-31: Repealed by Session Laws 2018-38, s.

§ 58-26-35: Repealed by Session Laws 2018-38, s.

§ 58-26-40: Repealed by Session Laws 2002-187, s.

§ 58-26-45. Registration as a lien agent.

§ 58-27-5. Prohibition against payment or receipt of title insurance kickbacks, rebates, commissions and other payments.

§ 58-27-10. Licenses.

§ 58-27-15. Annual statements furnished.

§ 58-28-5. Transacting business without a license prohibited; exceptions.

§ 58-28-10: Repealed by Session Laws 2008-124, s.

§ 58-28-12. Transacting insurance business in this State.

§ 58-28-13. Placement of insurance business.

§ 58-28-14. Monetary penalty; factors to be considered.

§ 58-28-15. Validity of acts or contracts of unauthorized company shall not impair obligation of contract as to the company; maintenance of suits; right to defend.

§ 58-28-20. Cease and desist orders; judicial review.

§ 58-28-25: Repealed by Session Laws 2005-217, s.

§ 58-28-30. Penalty.

§ 58-28-35. Provisions of Article additional to existing law; application.

§ 58-28-40. Service of process on Secretary of State as agent for unauthorized company.

§ 58-28-45. Unauthorized Insurers; prohibited acts.

§ 58-29-5. Definitions.

§ 58-29-10. Unlawful advertising; notice to unauthorized insurer and domiciliary insurance supervisory official.

§ 58-29-15. Action by Commissioner under Unfair Trade Practice Act.

§ 58-29-20. Acts appointing Commissioner as attorney for service of statement of charges, notices an…

§ 58-29-25. Short title.

§ 58-30-5. Persons covered.

§ 58-30-10. Definitions.

§ 58-30-12. Duty to report insurer impairment; violations; penalties.

§ 58-30-15. Jurisdiction and venue.

§ 58-30-20. Injunctions and orders.

§ 58-30-22. Powers of Commissioner and receiver to examine or audit books or records.

§ 58-30-25. Cooperation of officers, owners and employees.

§ 58-30-30. Bonds.

§ 58-30-35. Executory contracts and unexpired leases.

§ 58-30-40. Turnover of property by a custodian.

§ 58-30-45. Utility service.

§ 58-30-50. Continuation of delinquency proceedings.

§ 58-30-55. Condition on release from delinquency proceedings.

§ 58-30-60. Commissioner's summary orders and supervision proceedings.

§ 58-30-62. Administrative supervision of insurers.

§ 58-30-65. Court's seizure order.

§ 58-30-70. Confidentiality of hearings.

§ 58-30-71. Immunity and indemnification of the receiver and employees.

§ 58-30-75. Grounds for rehabilitation.

§ 58-30-80. Rehabilitation orders.

§ 58-30-85. Powers and duties of the rehabilitator.

§ 58-30-90. Actions by and against rehabilitator.

§ 58-30-95. Termination of rehabilitation.

§ 58-30-100. Grounds for liquidation.

§ 58-30-105. Liquidation orders.

§ 58-30-110. Continuance of coverage.

§ 58-30-115. Dissolution of insurer.

§ 58-30-120. Powers of liquidator.

§ 58-30-125. Notice to creditors and others.

§ 58-30-127. Duties of agents.

§ 58-30-130. Actions by and against liquidator.

§ 58-30-135. Collection and list of assets.

§ 58-30-140. Fraudulent transfers prior to petition.

§ 58-30-145. Fraudulent transfer after petition.

§ 58-30-147. Voidable transfers for federal home loan banks.

§ 58-30-150. Voidable preferences and liens.

§ 58-30-155. Claims of holders of void or voidable rights.

§ 58-30-160. Setoffs.

§ 58-30-165. Assessments.

§ 58-30-170. Reinsurer's liability.

§ 58-30-175. Recovery of premiums owed.

§ 58-30-180. Domiciliary liquidator's proposal to distribute assets.

§ 58-30-185. Filing of claims.

§ 58-30-190. Proof of claim.

§ 58-30-195. Special claims.

§ 58-30-200. Special provisions for third party claims.

§ 58-30-205. Disputed claims.

§ 58-30-210. Claims of surety.

§ 58-30-215. Secured creditor's claims.

§ 58-30-220. Priority of distribution.

§ 58-30-225. Liquidator's recommendations to the Court.

§ 58-30-230. Distribution of assets.

§ 58-30-235. Unclaimed and withheld funds.

§ 58-30-240. Termination of proceedings.

§ 58-30-245. Reopening liquidation.

§ 58-30-250. Disposition of records during and after termination of liquidation.

§ 58-30-255. External audit of the receiver's books.

§ 58-30-260. Conservation of property of foreign or alien insurers found in this State.

§ 58-30-262. Administration of large deductible policies and insured collateral.

§ 58-30-265. Liquidation of property of foreign or alien insurers found in this State.

§ 58-30-270. Domiciliary liquidators in other states.

§ 58-30-275. Ancillary formal proceedings.

§ 58-30-280. Ancillary summary proceedings.

§ 58-30-285. Claims of nonresidents against insurers domiciled in this State.

§ 58-30-290. Claims of residents against insurers domiciled in reciprocal states.

§ 58-30-295. Attachment, garnishment and levy of execution.

§ 58-30-300. Interstate priorities.

§ 58-30-305. Subordination of claims for noncooperation.

§ 58-30-310. Exemption from filing fees.

§ 58-31-2. Certain buildings of North Carolina Global TransPark exempt.

§ 58-31-5. Appropriations; fund to pay administrative expenses.

§ 58-31-10. Payment of losses on basis of actual cost of restoration or replacement; rules; insurance and reinsurance; sprinkler leakage insurance.

§ 58-31-12. Policy forms.

§ 58-31-13. Hazardous conditions in State-owned buildings.

§ 58-31-15. Extended coverage insurance.

§ 58-31-20. Use and occupancy and business interruption insurance.

§ 58-31-25. Professional liability insurance for officials and employees of the State.

§ 58-31-26. Medical liability insurance for certain physicians and dentists.

§ 58-31-30: Expired at the end of the 1993-94 fiscal year by its own terms.

§ 58-31-35. Information furnished State Fire Marshal by officers in charge.

§ 58-31-40. Recodified as G.S.

§ 58-31-41. State Fire Marshal to inspect State property.

§ 58-31-45. Report required of State Fire Marshal.

§ 58-31-50. Liability insurance required for state-owned vehicles.

§ 58-31-52. State motor vehicle safety program.

§ 58-31-55. Insurance and official fidelity bonds for State agencies to be placed by Department; exception; costs of placement.

§ 58-31-60. Competitive selection of payroll deduction insurance products paid for by State employees.

§ 58-31-65. Owner-controlled or wrap-up insurance authorized.

§ 58-31-66. Public construction contract surety bonds.

§ 58-31A-5. Duty of the State Fire Marshal to operate insurance system for public education property.

§ 58-31A-10. Flood insurance.

§ 58-31A-15. Authority and rules for organization of system.

§ 58-31A-20. State Public Education Property Insurance Fund; decrease of premiums when fund reaches five percent of total insurance in force.

§ 58-31A-25. Insurance of property by public education boards; notice of election to insure and information to be furnished; outstanding policies.

§ 58-31A-30. Inspections of insured public education properties.

§ 58-31A-35. Information to be furnished prior to insuring in Fund; providing for payment of premiums.

§ 58-31A-40. Determination and adjustment of premium rates; certificate as to insurance carried; no lapse; notice as to premiums required, and payments of premiums.

§ 58-31A-45.

§ 58-31A-50. Maintenance of inspection and engineering service; cancellation of insurance.

§ 58-31A-55. Other property insurance.

§ 58-32-5. Meetings of Commission; compensation.

§ 58-32-10. Powers and duties of Commission.

§ 58-32-15. Professional liability insurance for State officials.

§ 58-32-20. Commission to act as liaison; meetings of Commission.

§ 58-32-25. Contract conditions.

§ 58-32-30. Payment a public purpose.

§ 58-33-5. License required.

§ 58-33-10. Definitions.

§ 58-33-15. Restricted license for overseas military agents.

§ 58-33-17. Limited license for rental car companies.

§ 58-33-18. Limited license for self-service storage companies.

§ 58-33-19. Limited lines travel insurance.

§ 58-33-20. Representation.

§ 58-33-25: Repealed by Session Laws 2001-203, s.

§ 58-33-26. General license requirements.

§ 58-33-27. Claims handling for portable consumer electronic devices.

§ 58-33-30. License requirements.

§ 58-33-31. Application for license.

§ 58-33-32. Interstate reciprocity in producer licensing.

§ 58-33-35: Repealed by Session Laws 2009-566, s.

§ 58-33-40. Appointment of agents.

§ 58-33-45: Repealed by Session Laws 2001-203, s.

§ 58-33-46. Suspension, probation, revocation, or nonrenewal of licenses.

§ 58-33-48. Criminal history record checks.

§ 58-33-50. Notices; loss of residency; duplicate licenses.

§ 58-33-55: Repealed by Session Laws 2001-203, s.

§ 58-33-56. Notification to Commissioner of termination.

§ 58-33-60. Countersignature and related laws.

§ 58-33-65: Repealed by Session Laws 2001-203, s.

§ 58-33-66. Temporary licensing.

§ 58-33-70. Special provisions for adjusters and motor vehicle damage appraisers.

§ 58-33-75. Twisting with respect to insurance policies; penalties.

§ 58-33-76. Referral of business to repair source; prohibitions.

§ 58-33-80. Discrimination forbidden.

§ 58-33-82. Commissions.

§ 58-33-82.1. Exchange of business.

§ 58-33-83. Assumed names.

§ 58-33-85. (Effective until January 1, 2027) Rebates and charges in excess of premium prohibited; exceptions.

§ 58-33-90. Rebate of premiums on credit life and credit accident and health insurance; retention of funds by insurance producer.

§ 58-33-95. Agents personally liable; representing unlicensed company prohibited; penalty.

§ 58-33-100. Payment of premium to insurance producer valid; obtaining by fraud a crime.

§ 58-33-105. False statements in applications for insurance.

§ 58-33-110. Insurance producers signing certain blank policies.

§ 58-33-115. Adjuster acting for unauthorized company.

§ 58-33-120. Insurance producer, adjuster, etc., acting without a license or violating insurance law.

§ 58-33-125. Fees.

§ 58-33-130. Continuing education program for licensees.

§ 58-33-132. Qualifications of instructors.

§ 58-33-133. Continuing education course provider fees.

§ 58-33-135. Continuing education advisory committee.

§ 58-33A-5. Definitions.

§ 58-33A-10. License required.

§ 58-33A-15. Application for license.

§ 58-33A-20. Resident license.

§ 58-33A-25. Examination.

§ 58-33A-30. Exemptions from examination.

§ 58-33A-35. Nonresident license reciprocity.

§ 58-33A-40. License.

§ 58-33A-45. License denial, nonrenewal, or revocation.

§ 58-33A-50. Bond or letter of credit.

§ 58-33A-55. Continuing education.

§ 58-33A-60. Public adjuster fees.

§ 58-33A-65. Contract between public adjuster and insured.

§ 58-33A-70. Escrow or trust accounts.

§ 58-33A-75. Record retention.

§ 58-33A-80. Standards of conduct of public adjusters.

§ 58-33A-90. Reporting of actions.

§ 58-33A-93. Criminal penalties.

§ 58-33A-95. Rules.

§ 58-34-2. Managing general agents.

§ 58-34-5. Retrospective compensation agreements.

§ 58-34-10. Management contracts.

§ 58-34-15. Grounds for disapproval.

§ 58-34-20: Repealed by Session Laws 1993, c.

§ 58-35-5. License required; fees.

§ 58-35-10. Exceptions to license requirements.

§ 58-35-15. Issuance or refusal of license; bond; duration of license; renewal; one office per license; display of license; notice of change of location.

§ 58-35-20. Grounds for refusal, suspension or revocation of licenses; surrender of licenses; reinstatement.

§ 58-35-22. Notification of criminal or administrative actions.

§ 58-35-25. Investigations; hearings.

§ 58-35-30. Licensee's books and records; reports; refusing to exhibit records; making false statements.

§ 58-35-35. Excessive insurance premium finance charges; penalty.

§ 58-35-40. Rebates and inducements prohibited; assignment of insurance premium finance agreements.

§ 58-35-45. Filing and approval of forms and service charges.

§ 58-35-50. Form, contents and execution of insurance premium finance agreements.

§ 58-35-55. Limitations on service charges; computation; minimum charges.

§ 58-35-60. Prohibited provisions in insurance premium finance agreements.

§ 58-35-65. Delivery of copy of insurance premium finance agreement to insured.

§ 58-35-70. Payments by insured without notice of assignment of agreement.

§ 58-35-75. Statement of account; release on payment in full.

§ 58-35-80. Credit upon anticipation of payments.

§ 58-35-85. Procedure for cancellation of insurance contract upon default; return of unearned premiums; collection of cash surrender value.

§ 58-35-90. Violations; penalties.

§ 58-35-95. Disposition of fees.

§ 58-35-100. Fees are nonrefundable.

§ 58-36-2. Private passenger motor vehicles; number of nonfleet policies.

§ 58-36-3. Limitation of scope; motorcycle and moped endorsements allowed; Department of Insurance report.

§ 58-36-4. Statistical organizations; licensing; recording and reporting; examination; suspension of license; financial disclosure.

§ 58-36-5. Membership as a prerequisite for writing insurance; governing committee; rules and regulations; expenses.

§ 58-36-10. Method of rate making; factors considered.

§ 58-36-15. Filing loss costs, rates, plans with Commissioner; public inspection of filings.

§ 58-36-16. Bureau to share information with Department of Labor and North Carolina Industrial Commission.

§ 58-36-17. Bureau to share information with the North Carolina Industrial Commission.

§ 58-36-20. Disapproval; hearing, order; adjustment of premium, review of filing.

§ 58-36-25. Appeal of Commissioner's order.

§ 58-36-30. Deviations.

§ 58-36-35. Appeal to Commissioner from decision of Bureau.

§ 58-36-40. Existing rates, rating systems, territories, classifications and policy forms.

§ 58-36-41. Development of policy endorsement for exclusive use of original equipment manufactured crash parts.

§ 58-36-42. Development of policy form or endorsement for residential property insurance that does not include coverage for perils of windstorm or hail.

§ 58-36-43. Optional approved program enhancements not within Rate Bureau jurisdiction.

§ 58-36-44. Development of policy form or endorsement for personal liability insurance for foster parents.

§ 58-36-45. Notice of coverage or rate change.

§ 58-36-50. Limitation.

§ 58-36-55. Policy forms.

§ 58-36-60. Payment of dividends not prohibited or regulated; plan for payment into rating system.

§ 58-36-65. Classifications and Safe Driver Incentive Plan for nonfleet private passenger motor vehicle insurance.

§ 58-36-70. Rate filings and hearings for motor vehicle insurance.

§ 58-36-75. At-fault accidents and certain moving traffic violations under the Safe Driver Incentive Plan.

§ 58-36-80. Coverage for damage to rental vehicles authorized.

§ 58-36-85. Termination of a nonfleet private passenger motor vehicle insurance policy.

§ 58-36-87. Affiliate transfer of policies.

§ 58-36-90. Prohibitions on using credit scoring to rate noncommercial private passenger motor vehicle and residential property insurance; exceptions.

§ 58-36-95. Use of nonoriginal crash repair parts.

§ 58-36-100. Prospective loss costs filings and final rate filings for workers' compensation and employers' liability insurance.

§ 58-36-105. Certain workers' compensation insurance policy cancellations prohibited.

§ 58-36-110. Notice of nonrenewal, premium rate increase, or change in workers' compensation insurance coverage required.

§ 58-36-115. Prohibitions on using inquiries to terminate a policy, refuse to issue or renew a policy, or to subject a policy to consent to rate.

§ 58-36-120. Public notice of certain filings.

§ 58-37-5. North Carolina Motor Vehicle Reinsurance Facility; creation; membership.

§ 58-37-10. Obligations after termination of membership.

§ 58-37-15. Insolvency.

§ 58-37-20. Merger, consolidation or cession.

§ 58-37-25. General obligations of insurers.

§ 58-37-30. General obligations of insurance producers.

§ 58-37-35. The Facility; functions; administration.

§ 58-37-40. Plan of operation.

§ 58-37-45. Procedure for cession provided in plan of operation.

§ 58-37-50. Termination of insurance.

§ 58-37-55. Exemption from requirements of this Article of companies and their agents.

§ 58-37-60. Physical damage insurance availability.

§ 58-37-65. Hearings; review.

§ 58-37-70: Repealed by Session Laws 1991, c.

§ 58-37-75. Repealed by Session Laws 1999-132, s.

§ 58-38-5. Purpose.

§ 58-38-10. Scope of application.

§ 58-38-15. Definitions.

§ 58-38-20. Format requirements.

§ 58-38-25. Flesch scale analysis readability score; procedures.

§ 58-38-30. Filing requirements; duties of the Commissioner.

§ 58-38-35. Application to policies; dates; duties of the Commissioner.

§ 58-38-40. Construction.

§ 58-39-5. Purpose.

§ 58-39-10. Scope.

§ 58-39-15. Definitions.

§ 58-39-20. Pretext interviews.

§ 58-39-25. Notice of insurance information practices.

§ 58-39-26. Federal privacy disclosure notice requirements.

§ 58-39-27. Privacy notice and disclosure requirement exceptions.

§ 58-39-28. Exception for title and mortgage guaranty insurance.

§ 58-39-30. Marketing and research surveys.

§ 58-39-35. Content of disclosure authorization forms.

§ 58-39-40. Investigative consumer reports.

§ 58-39-45. Access to recorded personal information.

§ 58-39-50. Correction, amendment, or deletion of recorded personal information.

§ 58-39-55. Reasons for adverse underwriting decisions.

§ 58-39-60. Information concerning previous adverse underwriting decisions.

§ 58-39-65. Previous adverse underwriting decisions.

§ 58-39-70: Recodified as G.S.

§ 58-39-75. Disclosure limitations and conditions.

§ 58-39-76. Limits on sharing account number information for marketing purposes.

§ 58-39-85. Service of process; insurance-support organizations.

§ 58-39-90. Cease and desist orders.

§ 58-39-95. Penalties.

§ 58-39-100. Appeal of right.

§ 58-39-105. Individual remedies.

§ 58-39-110. Immunity.

§ 58-39-115. Obtaining information under false pretenses.

§ 58-39-120. Rights.

§ 58-39-125. Powers of the Commissioner.

§ 58-39-135. Scope.

§ 58-39-140. Definitions.

§ 58-39-145. Information security program.

§ 58-39-150. Objectives of information security program.

§ 58-39-155. Rules.

§ 58-39-160. Violation.

§ 58-39-165. Effective date.

§ 58-40-5. Definitions.

§ 58-40-10. Other definitions.

§ 58-40-15. Scope of application.

§ 58-40-20. Rate standards.

§ 58-40-25. Rating methods.

§ 58-40-30. Filing of rates and supporting data.

§ 58-40-35. Filing open to inspection.

§ 58-40-40. Delegation of rate making and rate filing obligation.

§ 58-40-45. Disapproval of rates; interim use of rates.

§ 58-40-50. Statistical organizations.

§ 58-40-55: Repealed by Session Laws 2005-210, s.

§ 58-40-60. Joint underwriting and joint reinsurance organizations.

§ 58-40-65. Insurers authorized to act in concert.

§ 58-40-70. Insurers authorized to act in concert; admitted insurers with common ownership or management; matters relating to co-surety bonds.

§ 58-40-75. Agreements to adhere.

§ 58-40-80. Exchange of information or experience data; consultation with statistical organizations and insurers.

§ 58-40-85. Recording and reporting of experience.

§ 58-40-90. Examination of rating, joint underwriting, and joint reinsurance organizations.

§ 58-40-95. Apportionment agreements among insurers.

§ 58-40-100. Request for review of rate, rating plan, rating system or underwriting rule.

§ 58-40-105. Hearing and judicial review.

§ 58-40-110. Suspension of license.

§ 58-40-115. Existing rates, rating systems, territories, classifications and policy forms.

§ 58-40-120. Payment of dividends not prohibited or regulated; plan for payment into rating system.

§ 58-40-125. Limitation.

§ 58-40-130. Financial disclosure; rate modifications; reporting requirements.

§ 58-40-135. Good faith immunity for operation of market assistance programs.

§ 58-40-140. Extended reporting.

§ 58-41-5. Legislative findings and intent.

§ 58-41-10. Scope.

§ 58-41-15. Certain policy cancellations prohibited.

§ 58-41-20. Notice of nonrenewal, premium rate increase, or change in coverage required.

§ 58-41-25. Notice of renewal of policies with premium rate or coverage changes.

§ 58-41-30. Loss of reinsurance.

§ 58-41-35. Repealed by Session Laws 1999-219, s.

§ 58-41-40. No liability for statements or communications made in good faith; prior notice to insurance producers.

§ 58-41-45. Termination of writing kind of insurance.

§ 58-41-50. Policy form and rate filings; punitive damages; data required to support filings.

§ 58-41-55. Penalties; restitution.

§ 58-42-5. Purposes, contents, and operation of risk sharing plans.

§ 58-42-10. Persons required to participate.

§ 58-42-15. Voluntary participation.

§ 58-42-20. Classification and rates.

§ 58-42-25. Basis for participation.

§ 58-42-30. Duty to provide information.

§ 58-42-35. Provision of marketing facilities.

§ 58-42-40. Voluntary risk sharing plans.

§ 58-42-45. Article subject to Administrative Procedure Act; legislative oversight of plans.

§ 58-42-50. Immunity of Commissioner and plan participants.

§ 58-42-55: Repealed by Session Laws 2001-122, s.

§ 58-43-5. Limitation as to amount and term; indemnity contracts for difference in actual value and cost of replacement; functional replacement.

§ 58-43-10. Limit of liability on total loss.

§ 58-43-15. Policies for the benefit of mortgagees.

§ 58-43-20: Repealed by Session Laws 1995 (Regular Session, 1996), c.

§ 58-43-25. Limitation of fire insurance risks.

§ 58-43-30. Agreements restricting insurance producer's commission; penalty.

§ 58-43-35. Punishment for issuing fire policies contrary to law.

§ 58-43-40: Expired.

§ 58-44-5. Items to be expressed in policies.

§ 58-44-10: Repealed by Session Laws 1995, c.

§ 58-44-15: Repealed by Session Laws 2009-171, s.

§ 58-44-16. Fire insurance policies; standard fire insurance policy provisions.

§ 58-44-20. Standard policy; permissible variations.

§ 58-44-25. Optional provisions as to loss or damage from nuclear reaction, nuclear radiation or radioactive contamination.

§ 58-44-30. Notice by insured or agent as to increase of hazard, unoccupancy and other insurance.

§ 58-44-35. Judge to select umpire.

§ 58-44-40. Effect of failure to give notice of encumbrance.

§ 58-44-45. Policy issued to husband or wife on joint property.

§ 58-44-50. Bar to defense of failure to render timely proof of loss.

§ 58-44-55. Farmowners' and other property policies; ice, snow, or sleet damage.

§ 58-44-60. Notice to property insurance policyholder about flood, earthquake, mudslide, mudflow, landslide, and windstorm or hail insurance coverage.

§ 58-44-75. Definitions.

§ 58-44-80. Notification of right to mediate.

§ 58-44-85. Request for mediation.

§ 58-44-90. Mediation fees.

§ 58-44-95. Scheduling of mediation; qualification of mediator.

§ 58-44-100. Conduct of the mediation conference.

§ 58-44-105. Post mediation.

§ 58-44-110. Nonparticipation in mediation program.

§ 58-44-115. Commissioner's review.

§ 58-44-120. Relation to Administrative Procedure Act.

§ 58-44A-5. Licensure of vendors.

§ 58-44A-10. Requirements for sale of portable electronics insurance.

§ 58-44A-15. Authority of vendors of portable electronics.

§ 58-44A-20. Suspension or revocation of license.

§ 58-44A-25. Application for license.

§ 58-44B-5. Definitions.

§ 58-44B-10. Premium tax.

§ 58-44B-15. Travel protection plans.

§ 58-44B-20. Sales practices.

§ 58-44B-25. Travel administrators.

§ 58-44B-30. Policy.

§ 58-44B-35. Rulemaking authority.

§ 58-45-5. Definition of terms.

§ 58-45-6. Persons who can be insured by the Association.

§ 58-45-10. North Carolina Insurance Underwriting Association created.

§ 58-45-15. Powers and duties of Association.

§ 58-45-20. Temporary directors of Association.

§ 58-45-25. Each member of Association to participate in nonrecoupable assessments.

§ 58-45-30. Directors to submit plan of operation to Commissioner; review and approval; amendments; appeal from Commissioner to superior court.

§ 58-45-35. Persons eligible to apply to Association for coverage; contents of application.

§ 58-45-36. Temporary contracts of insurance.

§ 58-45-40. Association members may cede insurance to Association.

§ 58-45-41. Coverage limits.

§ 58-45-45. Rates, rating plans, rating rules, and forms applicable.

§ 58-45-46. Unearned premium, loss, and loss expense reserves.

§ 58-45-47. Deficit event.

§ 58-45-50. Appeal from acts of Association to Commissioner; appeal from Commissioner to superior court.

§ 58-45-55. Reports of inspection made available.

§ 58-45-60. Association and Commissioner immune from liability.

§ 58-45-65. Association to file annual report with Commissioner.

§ 58-45-65.1. Association to be audited.

§ 58-45-70. Commissioner may examine affairs of Association.

§ 58-45-71. Report of member companies to Commissioner.

§ 58-45-75. Commissioner authorized to promulgate reasonable rules and regulations.

§ 58-45-80. Premium taxes to be paid through Association.

§ 58-45-85. Assessment; inability to pay.

§ 58-45-90. Open meetings.

§ 58-45-95. Information availability.

§ 58-45-96. Succession and dissolution.

§ 58-46-2. Persons who can be insured by the Association.

§ 58-46-5. Organization of underwriting association.

§ 58-46-10. Participation in association.

§ 58-46-15. Requirements of Plan and authority of Association.

§ 58-46-20. Authority of Commissioner.

§ 58-46-25. Temporary directors of association.

§ 58-46-30. Appeals; judicial review.

§ 58-46-35. Reports of inspection made available; immunity from liability.

§ 58-46-40. Assessment; inability to pay.

§ 58-46-41. Unearned premium, loss, and loss expense reserves.

§ 58-46-45. Premium taxes to be paid through Association.

§ 58-46-50. Annual reports.

§ 58-46-55. Rates, rating plans, rating rules, and forms applicable.

§ 58-46-60. Open meetings.

§ 58-47-65. Licensing; qualification for approval.

§ 58-47-70. License denial; termination; revocation; restrictions.

§ 58-47-75. Reporting and records.

§ 58-47-80. Assets and invested assets.

§ 58-47-85. Surplus requirements.

§ 58-47-90. Deposits.

§ 58-47-95. Excess insurance and reinsurance.

§ 58-47-100. Examinations.

§ 58-47-105. Dividends and other distributions.

§ 58-47-110. Premium rates.

§ 58-47-115. Premium payment requirements.

§ 58-47-120. Board; composition, powers, duties, and prohibitions.

§ 58-47-125. Admission and termination of group members.

§ 58-47-130. Disclosure.

§ 58-47-135. Assessment plan and indemnity agreement.

§ 58-47-140. Other provisions of this Chapter.

§ 58-47-155. TPAs and service companies; authority; qualifications.

§ 58-47-160. Written agreement; composition; restrictions.

§ 58-47-165. Books and records.

§ 58-47-170. Payments to TPA or service company.

§ 58-47-175. Approval of advertising.

§ 58-47-180. Premium collection and payment of claims.

§ 58-47-185. Notices; disclosure.

§ 58-47-190. Compensation.

§ 58-47-195. Examinations.

§ 58-47-200. Unfair trade practices.

§ 58-47-205. Other requirements.

§§ 58-47-210 through 58-47-220: Repealed by Session Laws 2001-223, s.

§§ 58-47-210 through 58-47-220: Repealed by Session Laws 2001-223, s.

§ 58-48-5. Purpose of Article.

§ 58-48-10. Scope.

§ 58-48-15. Construction.

§ 58-48-20. Definitions.

§ 58-48-25. Creation of the Association.

§ 58-48-30. Board of directors.

§ 58-48-35. Powers and duties of the Association.

§ 58-48-40. Plan of operation.

§ 58-48-42. Procedure for appeal to Commissioner from decision of Association.

§ 58-48-45. Duties and powers of the Commissioner.

§ 58-48-50. Effect of paid claims.

§ 58-48-55. Nonduplication of recovery.

§ 58-48-60. Prevention of insolvencies.

§ 58-48-65. Examination of the Association.

§ 58-48-70. Tax exemption.

§ 58-48-75: Repealed by Session Laws 1991, c.

§ 58-48-80. Immunity.

§ 58-48-85. Stay of proceedings.

§ 58-48-90. Termination; distribution of funds.

§ 58-48-95. Use of deposits made by insolvent insurer.

§ 58-48-100. Statute of repose; guardians ad litem; notice.

§ 58-48-105. Transfer of balance of security funds.

§ 58-48-110. Purpose of the accounts.

§ 58-48-115. Creation of Stock Fund Account; maintenance of Stock Fund Account; and distribution of Stock Fund.

§ 58-48-120. Creation of Mutual Fund Account; maintenance of Mutual Fund Account.

§ 58-48-125. Payments by the Association.

§ 58-48-130. Termination.

§ 58-49-5. Authority and jurisdiction of Commissioner.

§ 58-49-10. How to show jurisdiction.

§ 58-49-12. Exceptions to jurisdiction; health care sharing organizations.

§ 58-49-15. Examination.

§ 58-49-20. Subject to State laws.

§ 58-49-25. Disclosure.

§ 58-49-30. Recodified as G.S.

§ 58-49-35. Recodified as G.S.

§ 58-49-40. Recodified as G.S.

§ 58-49-45. Recodified as G.S.

§ 58-49-50. Recodified as G.S.

§ 58-49-55. Recodified as G.S.

§ 58-49-60. Recodified as G.S.

§ 58-49-65. Recodified as G.S.

§ 58-50-5. Application.

§ 58-50-10: Repealed by Session Laws 1993, c.

§ 58-50-15. Conforming to statute.

§ 58-50-20. Age limit.

§ 58-50-25. Nurses' services.

§ 58-50-26. Physician services provided by physician assistants.

§ 58-50-30. Right to choose services of certain providers.

§ 58-50-35. Notice of nonpayment of premium required before forfeiture.

§ 58-50-40. Willful failure to pay group insurance premiums; willful termination of a group health p…

§ 58-50-45. Group health or life insurers to notify insurance fiduciaries of obligations.

§ 58-50-46: Recodified as G.S.

§ 58-50-55: Repealed by Session Laws 1997-519, s.

§ 58-50-56. Insurers, preferred provider organizations, and preferred provider benefit plans.

§ 58-50-56.1. Exclusive provider organizations, exclusive provider benefit plans.