North Carolina Administrative Code Title 11 - INSURANCE
Here’s a detailed overview of Title 11 – Insurance in the North Carolina Administrative Code (NCAC):
🏛️ General Structure – Chapter Overview
Title 11 governs insurance regulation in North Carolina and is divided into the following chapters:
Chapter 01 – Departmental Rules (§ .0100–.0700)
Chapter 02 – Support Services Division (repealed)
Chapter 03 – Legal Division (§ 03 .0101–.0108)
Chapter 04 – Consumer Services Division (§ .0100–.0500)
Chapter 05 – Office of State Fire Marshal (Subch. A–D)
Chapter 06 – Agent Services Division (Subch. A–B)
Chapter 07 – State Property Fire Insurance Fund Division (§ .0100–.0400)
Chapter 08 – Engineering & Building Codes Division (§ .0100–.1600)
Chapter 09 – Investigations Division (§ .0100–.0200)
Chapter 10 – Property & Casualty Division (§ .0100–.1700)
Chapter 11 – Financial Evaluation Division (Subch. A–H)
Chapter 12 – Life & Health Division (§ .0100–.1800)
Chapter 13 – Agent Services – Non‑Insurance Entities (§ .0100–.0500)
Chapter 14 – Admission Requirements (§ .0100–.0700)
Chapter 15 – Medical Database Commission (§ 15 .0101–.0112)
Chapter 16 – Actuarial Services Division (§ .0100–.0800)
Chapter 17 – Seniors' Health Insurance Information Program (§ 17 .0101–.0106)
Chapter 18 – Multiple Employer Welfare Arrangements (§ 18 .0101–.0121)
Chapter 19 – Market Regulation Division (§ .0100)
Chapter 20 – Managed Care Health Benefit Plans (§ .0100–.0600)
Chapter 21 – Third Party Administrators (§ .0100)
Chapter 22 – PEO Trusts (§ 22 .0101–.0116)
Chapter 23 – Industrial Commission (Subch. A–M)
🔍 Selected Chapter Highlights
Chapter 01 – Departmental Rules
Defines operational rules including insurer responses to Department inquiries: insurers must respond in writing within 7 calendar days unless extended .
Chapter 04 – Consumer Services Division
11 NCAC 04 .0418: Addresses total-loss motor vehicle insurance requirements
11 NCAC 04 .0421: Loss and claim payment must be mailed/delivered within 10 business days of settlement
Chapter 10 – Property & Casualty Division
11 NCAC 10 .0105: Requires filing of manuscript (individual risk) policies within 60 days, explanation why needed, and supporting rate documentation
Chapter 12 – Life & Health Division
Contains provisions for life, accident & health, Medicare supplement, long-term care, HMO point-of-service plans, viatical settlements, and more (§ .0100–.1800)
✅ Summary
Title 11 NCAC establishes a robust framework for insurance oversight across divisions that regulate departmental operations, consumer protection, agents, underwriting classifications, financial solvency, life & health coverage, and associated support services.
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