Connecticut Administrative Code Title 38a - Insurance Department
Connecticut Administrative Code – Title 38a: Insurance Department
Title 38a of the Connecticut General Statutes (previously Title 38 before recodification) governs the Insurance Department and outlines the laws related to insurance regulation, licensing, consumer protections, and industry oversight in Connecticut.
Here’s a general overview of what Title 38a covers:
Main Areas Covered in Title 38a:
Organization and Authority of the Insurance Department
Powers and duties of the Insurance Commissioner
Regulatory authority over insurance companies and agents
Insurance Company Licensing & Regulation
Requirements for the formation and operation of insurance companies in Connecticut
Licensing procedures for domestic, foreign, and alien insurers
Insurance Agent and Broker Licensing
Licensing standards for producers, brokers, adjusters, and appraisers
Continuing education requirements
Insurance Products and Rate Regulation
Approval processes for policy forms and premium rates
Rate filing requirements for life, health, property, and casualty insurance
Consumer Protections
Unfair insurance practices and prohibited acts
Consumer complaint procedures
Market conduct examinations
Specific Insurance Types
Health insurance (individual and group plans)
Life insurance
Property and casualty insurance
Automobile insurance
Workers’ compensation
Reinsurance and surplus lines
Insurance Guaranty Associations
Financial protections for policyholders in the event of insurer insolvency
Insurance Fraud Prevention
Anti-fraud units
Penalties and investigations for fraudulent activity
Example Sections Within Title 38a:
38a-8 – Powers of the Insurance Commissioner
38a-53 – Annual statement filings
38a-660 – Surety bail bond agent licensing
38a-816 – Unfair insurance practices (Connecticut Unfair Insurance Practices Act - CUIPA)
38a-478 – Managed care organization regulation
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