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Bureau of Insurance

Administrative Letters Applicable to Property and Casualty by Topic

Adverse Underwriting Decisions
Description Letter
Adverse Underwriting Decision Notice (AUD) 2015-07

Arbitration and Appraisals
Description Letter
Appraisal Provisions - Binding Appraisal Provisions 1998-12
Arbitration - Binding Arbitration Provisions 1998-12

Assignment of Points-Private Passenger Automobile Policies
Description Letter
Automobile Policies (Personal) Assignment of Points & AUD Notice 1992-25
Automobile Policies (Personal) Assignment of Points 1990-09
Automobile Policies (Personal) Assignment of Points 1985-02
Safe Driver Plans 1982-13
Automobile Policies Documentation Supporting Assignment of Points 1980-12
Automobile Policies Charges for Accidents and Convictions 1979-09
Automobile Policies Assignment of Points 1977-14
Automobile Policies Assignment of Points 1977-07

Automobile Policies – Rule, Rates, and Forms
Description Letter
Surplus Lines - Automobile Standard Forms 2008-06
Competitive Pricing Forms - Auto & Homeowner Rates - No Longer Required 2008-02
Policy Effective Date - Method of Implementation Not Required In Filing 2006-08
Rate Certification Form (COF-1 and DR/COF) for Prior Approval & File and Use 2005-01
Credit Scoring Models (Auto & Homeowners Insurance) 2002-06
Rule, Rate and Form Submission Checklists 2001-06
Rate Filings - Final Rate Filings by Rate Service Organizations Prohibited (Except Workers’ Compensation Insurance Plan) 1993-10
Installment Pay Plans 1993-06
Waiver of Premium Refunds or Charges 1983-12
Automobile Policies - Rate Standards 1982-13
Automobile Policies Charges for Motor Vehicle Accident and Conviction Reports 1979-09
Automobile Policies - When Notices of Refusal to Renew Are Not Required 1978-10
Automobile Policies - Private Passenger - Classifications 1977-09

Cancellations, Refusals to Renew, Premium Increases, Reductions in Coverage
Description Letter
Adverse Underwriting Decision Notice (AUD) 2015-07
Premium Increase Notice Requirements (Commercial) 2006-12

Certificates of Insurance
Description Letter
Certificates of Insurance - Unfair Trade Practices 2012-07
Certificates of Insurance - Misuse 2011-02
Certificates of Insurance on Mortgaged Property 1980-09

Fire and Homeowners Policies – Rules, Rates, and Forms
Description Letter
Declaration Page Required Information 2012-06
Competitive Pricing Forms - Auto & Homeowner Rates - No Longer Required 2008-02
Policy Effective Date - Method of Implementation Not Required In Filing 2006-08
Rate Certification Form (COF-1 and DR/COF) for Prior Approval & File and Use 2005-01
Credit Scoring Models (Auto & Homeowners Insurance) 2002-06
Rule, Rate and Form Submission Checklists 2001-06
Rate Filings - Final Rate Filings by Rate Service Organizations Prohibited (Except Workers’ Compensation Insurance Plan) 1993-10
Installment Pay Plans 1993-06
Waiver of Premium Refunds or Charges 1983-12
Fire Policies - Regulation 17 1982-03
Homeowners Policies - Regulation 17 1982-03
Homeowners Policies - File Credits for Smoke Detectors 1980-06

Insurers—Required Reporting
Description Letter
Larceny - Acts Deemed To Be Larceny Must Be Reported 1987-09
Fire Losses - Virginia Arson Reporting - Immunity Act 1979-22

Mandatory Notices Motor Vehicle Insurers Must Provide to Insureds
Description Letter
Automobile Policies - Medical Expense and Loss of Income Coverages 2015-06
Automobile Policies – Offer of Rental Reimbursement Coverage 2015-06
Important Information to Policyholders Notice 2015-06
Uninsured Motorist Limits – Reduction Notice 2015-06
Warning Concerning Cancellation of Motor Vehicle Liability Policy 2015-06
Automobile Policies - Insurance Credit Score Disclosure Notice 2015-06
Automobile Policies – Insurance Credit Score Adverse Action Notice 2015-06
Adverse Underwriting Decision Notice (AUD) 2015-07
Declaration Page Required Information 2012-06
Premium Increase Notice Requirements (Commercial) 2006-12
Automobile Policies - Rate Classification Statement 1977-11

Mandatory Notices to Claimants – Liability Claims
Description Letter
Payee Notification (Senate Bill 984) 2013-06

Mandatory Notices Property Insurers Must Provide to Insureds
Description Letter
Adverse Underwriting Decision Notice (AUD) 2015-07
Fire Policies - Offer of Building & Ordinance Coverage 2015-05
Homeowners - Wind & Hail Deductibles Notice 2015-05
Homeowners Policies - Offer for Water Back-Up Through Sewers & Drains 2015-05
Notice Regarding Earthquake Exclusion 2015-05
Notice Regarding Flood Exclusion 2015-05
Important Information to Policyholders 2015-05
Notice Affecting Replacement Cost Coverage 2015-05
Homeowners/Tenant Policies - Insurance Credit Score Disclosure Notice 2015-05
Homeowners/Tenant Policies – Insurance Credit Score Adverse Action Notice 2015-05
Notice to Claimants of Payment to their Attorney of Claims of $500 or more 2013-06
Premium Increase Notice Requirements (Commercial) 2006-12

Medical Malpractice Insurance
Description Letter
Medical Malpractice Cap Increased July 1, 2012 and Premium Increase Notice May Be Required 2011-03
Premium Increase Notice Requirements (Commercial) 2006-12

Mortgage Guaranty Insurance
Description Letter
Mortgage Guaranty - Variable Rate Mortgages 1981-14
Mortgage Guaranty - Variable Rate Mortgages 1981-12
Mortgage Guaranty Insurance Policies 1981-09

Motor Vehicle Service Contracts
Description Letter
Motor Vehicle Service Contract Reimbursement Policies - Contractual Liability Policy 1982-16
Motor Vehicle Service Contracts 1982-10

Privacy and GLBA
Description Letter
GLBA Federal Model Privacy Forms 2012-04
Privacy Safeguards 2003-04
GLBA - Depository Institutions and Other Lenders Selling or Soliciting Insurance 2001-05

Rule, Rate, and Form Filings – General Information
Description Letter
Compliance with Statutory Rate Standards in File-and-Use Lines of Insurance 2016-03
Filing Procedures for Complying with TRIA of 2015 2015-03
Rate & Form Submission Search Options & Additional Filing Requirements 2012-03
Rate Service Organizations - Advisory Filings 2011-07
Trade Secret Protection of Rates and/or Supplementary Rate Information 2010-07
Filings - Open to the Public - Rule, Rate, and Form Filings 2007-09
Schedule Rating Plans, Expense Modification Plans, Experience Rating Plans and Facultative Reinsurance 2006-15
Policy Effective Date - Method of Implementation Not Required In Filing 2006-08
Rate Certification Form (COF-1 and DR/COF) for Prior Approval & File and Use 2005-01
Rule, Rate, and Form Submission Checklists 2001-06
Rate Filings - Final Rate Filings by Rate Service Organizations Prohibited (Except Workers’ Compensation Insurance Plan) 1993-10
Installment Pay Plans 1993-06
Rate Filings - Filing Procedures for “Refer To Company” 1985-11
Rate Filings - Rates Must Be Based On Accurate Information 1984-05
Waiver of Premium Refunds or Charges 1983-12
Filing Requirements - NAIC # Must be Included in Filing 1983-07
Rate Standards - Compilation of Experience 1982-17

Safe Driver Plans - Private Passenger Automobile Policies
Description Letter
Automobile Policies Assignment of Points & AUD Notice 1992-25
Automobile Policies Assignment of Points 1990-09
Automobile Policies Assignment of Points 1985-02
Automobile Policies Documentation Supporting Assignment of Points 1980-12
Automobile Policies Charges for Accidents and Convictions 1979-09
Automobile Policies Assignment of Points 1977-14
Automobile Policies Assignment of Points 1977-07

Terrorism
Description Letter
Terrorism (TRIA) Reauthorization Act of 2015 2015-03
Foreign Assets Control - Prohibiting Transactions 2001-10

Title Insurance
Description Letter
Title Insurance - Negotiating Title Insurance Risk Rates 2005-13
Title Insurance - Unfair Discrimination 2003-03
Title Insurance - Closing Protection Letters 1995-08
Title Insurance - Kickbacks, Rebates, Commissions, and Other Payments 1992-06
Title Insurance - Filing Requirements 1978-08

Workers' Compensation
Description Letter
Workers' Compensation: Revised Adoption Form for Use in Filing of Insurer Expense Multipliers, Related Rules, and Supplementary Rate Information and Tiered Rating Plans 2010-05
Loss Costs - Prospective Loss Cost Filing Requirements Other Than WC 2006-16
Workers' Compensation Insurance Plan - List of Policyholders Available 1993-15

Unfair Claims Practices
Description Letter
Certificates of Insurance - Unfair Trade Practices 2012-07
Automobile Glass Claims - Unfair Trade Practices 1991-12

Summary of Legislation Enacted 2010-2019
Description Letter
Summary of Legislation (2014) 2014-04
Summary of Legislation (2013) 2013-05
Legislation Requiring Payee Notification (Senate Bill 984) 2013-06
Summary of Legislation (2012) - P&C Comments 2012-06
Summary of Legislation (2011) 2011-04
Summary of Legislation (2010) 2010-06
Summary of Legislation (2012) 2012-05

Summary of Legislation Enacted 2000-2009
Description Letter
Summary of Legislation (2009) 2009-05
Summary of Legislation (2008) 2008-08
Summary of Legislation (2007) 2007-06
Summary of Legislation (2006) 2006-10
Summary of Legislation (2005) 2005-10
Summary of Legislation (2004) 2004-05
Summary of Legislation (2003) 2003-05
Summary of Legislation (2002) 2002-05
Summary of Legislation (2001) 2001-03
Summary of Legislation (2000) 2000-08

Summary of Legislation Enacted 1990-1999
Description Letter
Summary of Legislation (1999) 1999-03
Summary of Legislation (1998) 1998-05
Summary of Legislation (1997) 1997-06
Summary of Legislation (1996) 1996-06
Summary of Legislation (1995) 1995-06
Summary of Legislation (1994) 1994-05
Summary of Legislation (1993) 1993-13
Summary of Legislation (1992) 1992-12
Summary of Legislation (1991) 1991-11
Summary of Legislation (1990) 1990-07

Summary of Legislation Enacted 1977-1989
Description Letter
Summary of Legislation (1989) 1989-07
Summary of Legislation (1988) 1988-06
Summary of Legislation (1987) 1987-07
Summary of Legislation (1986) 1986-06
Summary of Legislation (1985) 1985-09
Summary of Legislation (1984) 1984-01
Summary of Legislation (1983) 1983-03
Summary of Legislation (1982) 1982-05
Summary of Legislation (1981) 1981-17
Summary of Legislation (1980) 1980-05
Summary of Legislation (1979) 1979-12
Summary of Legislation (1979) - P&C Comments 1979-15
Summary of Legislation (1978) 1978-02
Summary of Legislation (1977) 1977-04
Summary of Legislation (1977) - P&C Comments (1) 1977-06
Summary of Legislation (1977) - P&C Comments (2) 1977-08