Pennsylvania Code Title 31 - INSURANCE
Here’s a detailed overview of Pennsylvania Code Title 31 – INSURANCE, current as of the March 29, 2025 update:
🧩 Title 31 – Insurance: Major Parts & Structure
Pennsylvania’s Title 31 is divided into ten parts, each covering a different insurance domain (regulations.justia.com):
Part I – General Provisions
Covers uniform expense classifications, securities, agent licensing, advertising rules, and departmental procedures (pacodeandbulletin.gov).
Part II – Automobile Insurance
Includes rules on policy cancellations, uninsured motorist coverage, and financial responsibility (law.cornell.edu).
Part III – Credit Insurance
Governs insurance tied to credit transactions (law.cornell.edu).
Part IV – Life Insurance
Deals with policy replacement, variable life, consumer disclosures, privacy, and valuation standards (pacodeandbulletin.gov).
Part V – Marine Insurance
Covers marine policy regulations (law.cornell.edu).
Part VI – Mutual Insurance
Addresses mutual insurance company assessments and policy provisions (regulations.justia.com).
Part VII – Property, Fire & Casualty Insurance
Governs P&C coverage standards, rate filings, and actuarial opinions (law.cornell.edu).
Part VIII – Miscellaneous Provisions
Includes provisions on quality health care, definitions, and miscellaneous regulatory requirements (law.cornell.edu, casetext.com).
Part IX – Medical Catastrophe Loss Fund
Establishes a fund to cover catastrophic medical claims (law.cornell.edu).
Part X – Health Maintenance Organizations (HMOs)
Regulates HMO filings, investments, and operations (pacodeandbulletin.gov).
📌 Notable Chapters & Provisions
Chapter 146 – Unfair Insurance Practices (Part VIII)
Defines minimum business standards; frequent violations are considered unfair, including delays in claim handling and misleading settlements (pacodeandbulletin.gov).
Chapter 244 – Professional Liability Insurance (Part IX? Actually within loss fund part)
Healthcare provider malpractice policies must include a risk-management participation clause and submit plans to the Insurance Commissioner (pacodeandbulletin.gov).
Chapter 87 – Limited Benefit Life Policies
These policies are disallowed as they mislead consumers by offering inadequate coverage during early years (pacodeandbulletin.gov).
Chapter 124 – Surplus Lines Insurance
Covers definitions, filings, diligent search requirements, and evidence of coverage for surplus lines policies (pacodeandbulletin.gov).
Chapter 89b – Filing Requirements for Life, Accident & Health Forms
Specifies submission procedures, form standards, and filing fees (pacodeandbulletin.gov).
Chapter 148a – Safeguarding Insurer Securities
Mandates written custodial agreements, reporting duties, and custody standards for insurer-held securities (pacodeandbulletin.gov).
Chapter 130 – Filing Rate Decreases for P&C
Insurers must file a 30-day notice for rate reductions up to 10% and maintain the rate for at least 3 months unless the reduction threatens solvency (pacodeandbulletin.gov).
📋 Summary Table
| Part | Title |
|---|---|
| I | General Rules (expenses, agents, ads, procedures) |
| II | Auto Insurance |
| III | Credit Insurance |
| IV | Life Insurance |
| V | Marine Insurance |
| VI | Mutual Insurance |
| VII | Property, Fire & Casualty |
| VIII | Miscellaneous (unfair practices, health fund, etc.) |
| IX | Medical Catastrophe Loss Fund |
| X | Health Maintenance Organizations |
✅ How to Dive Deeper
Tell me which part or specific chapter you’re interested in:
Want full text of unfair practices (Ch. 146) or limited-benefit prohibitions (Ch. 87)?
Looking for procedural forms under Chapter 89b?
Need details on surplus lines or custodial agreements?
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