The Insurance Policy. | Midpage33-6-1Scope of article.33-6-2Insurable interest in one's own life or life of another; actions to recover benefits; insurable interests defined; requirements for charitable institutions.33-6-3Insurable interest in property.33-6-4Who may contract for insurance; competency of minors.33-6-5Application or consent of person insured required; exceptions.33-6-5aApplication for life or accident and sickness insurance; signatures required; exemptions; right of insured to return policy.33-6-6Application for insurance as evidence.33-6-7Representations in applications.33-6-8Filing of forms.33-6-9Grounds for disapproval of forms.33-6-10Standard provisions.33-6-11Contents of policy.33-6-11aRight to return Medicare supplement policy, certificate or contract.33-6-11bRight to return life or accident and sickness insurance policy, certificate or contract.33-6-12Additional contents of policy.33-6-13Policy provisions as to charter, bylaws, or other documents.33-6-14Certain policy conditions, etc., voided.33-6-14aPublic liability insurance policies issued to charitable associations to contain provision for waiving of charitable immunity defense.33-6-15Execution of policies.33-6-15aNotation of consumer cost savings.33-6-16Underwriters' and combination policies.33-6-17Validity of noncomplying forms.33-6-18Binders.33-6-19Renewal of policy by certificate or endorsement.33-6-20Assignment of policies.33-6-21Annulment of liability policies.33-6-22Payment discharges insurer.33-6-24Simultaneous deaths.33-6-25Proof of loss forms.33-6-26Acts of insurer not constituting waiver of policy provisions or defenses thereunder.33-6-27Life insurance proceeds exempt from creditors.33-6-28Group life insurance proceeds exempt from creditors.33-6-29Motor vehicle policy; injuries to guest passengers; coverage for loaned or leased motor vehicles; exceptions.33-6-30Construction of policies.33-6-31Motor vehicle policy; omnibus clause; uninsured and underinsured motorists' coverage; conditions for recovery under endorsement; rights and liabilities of insurer.33-6-31aRates charged for uninsured motorist coverage.33-6-31bNondiscriminatory automobile insurance rates for handicapped persons.33-6-31cSubstandard risk motor vehicle insurance policies; definitions; required notices and provisions; promulgation of rules; effective date; money penalty for failure to give required notice.33-6-31dForm for making offer of optional uninsured and underinsured coverage.33-6-31eNotice of proposed settlement for policy limits to underinsured motorist coverage carrier; waiver of subrogation; time limits.33-6-31fUninsured and underinsured motorists' coverage optional on umbrella and excess type liability policies.33-6-31gElectronic insurance verification program; insurer's duty to cooperate.33-6-31hExcluded drivers; definitions; legislative findings; restrictive endorsements.33-6-32Newly born children to be covered by all health insurance policies.33-6-33Valuation of motor vehicle involved in claim.33-6-34Fee for form, rate, and rule filing.33-6-35Mass marketed life and health insurance.33-6-36Continuation of coverage under automobile liability policy; selection of coverage; exclusions; notice.33-6-37Cancellation or nonrenewal of a combination insurance policy; offer of optional coverage; date of inception of optional coverage.33-6-38Lyme disease to be covered by all health insurance policies.33-6-39Prohibitions related to dental insurance plans, agreements, charges, and reimbursements; definitions.33-6-40Military service as factor in insurance rates.