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  1. What can insureds do when their policies are improperly canceled? | Ask PIA

    Suppose one of your insureds walks into your office with a note of cancellation of their policy of automobile insurance that is blatantly improper, either because of its content or timing. What do you do?

    As an insurance agent, your first inclination might be to contact the insurer and try to straighten out the situation. Unfortunately, that doesn't always bring about the desired result, so what then? If you're aware of the following facts, you can inform them of the protections afforded insureds by statute.New...

  2. Rebates | Ask PIA

    What can you tell me about rebates in Connecticut?

    Connecticut General Statutes Section 38a-825 states in part that “No insurance company doing business in this state, or attorney, producer or any other person shall pay or allow, or offer to pay or allow, as inducement to insurance, any rebate of premium payable on the policy, or any special favor...

  3. Authorized representative to receive cancellation notice | Ask PIA

    Is a cancellation notice effective if an insurance company fails to provide cancellation notice to the authorized insurance agent or broker that the insured designates to receive information on the insured’s behalf?

    No, the cancellation would not be effective. In addition to providing a cancellation notice to the insured, pursuant to Insurance Law Section 3425, an insurer needs to also provide a cancellation notice to the authorized insurance agent or broker that the insured designates to receive information on the insured’s behalf....

  4. Excluded drivers | Ask PIA

    How can insurers exclude a specific driver from a private-passenger auto policy?

    C.G.A. 38a-335(d) delineates the minimum required coverages for private-passenger auto policies. It states that with respect to the insured motor vehicle, the coverage afforded under the bodily injury liability and property damage liability provisions in any such policy shall apply to the named insured and relatives residing in his household...

  5. Parent-child immunity | Ask PIA

    In Connecticut, can a parent sue a child for injuries caused by negligent operation of a motor vehicle?

    Yes. According to Connecticut’s Civil Actions Law Section 52-572(c), the immunity between parent and child is abrogated in all actions for negligence in the operation of a motor vehicle resulting in personal injury, wrongful death or injury to property.

  6. Referral fees | Ask PIA

    Can an insurance agent pay a referral fee to an unlicensed person, or a licensed person with different authorities than mine?

    Yes, provided the agency and the unlicensed person comply with the relevant law on this. Section 38a-702l(d) states: An insurer or insurance producer may pay or assign commissions, service fees, brokerages or other valuable consideration to an insurance agency or to persons who do...

  7. PAIP voluntary rating tier | Ask PIA

    Can business that would have been placed in the UZAR be submitted to the Voluntary Rating Tier of PAIP?

    No—only PAIP-certified producers who have a current contract with a voluntary market company that is actively writing automobile insurance may submit business to the VRT.

  8. Service fees for MVRs—commercial lines  | Ask PIA

    Can agents charge a fee to recover the costs of obtaining motor vehicle reports used to underwrite commercial policies?

    Yes, provided the policyholder agrees. Starting in 2008, insurance producers acting as agents with respect to a commercial-lines policy have been allowed to negotiate service fees. Unlike personal-lines fees, the fees you charge on commercial lines are not limited as to amount. However, fees must bear a reasonable relationship to...

  9. DMV code numbers | Ask PIA

    Is there a quick, online look-up site that displays DMV code numbers for auto insurers?

    Yes, you can look up a company by its name or DMV code number at http://www.dfs.ny.gov/insurance/dmvindex.htm#dmvname. You may want to bookmark this page for future reference.

  10. Homeowners re-valuations | Ask PIA

    When can a homeowners insurer unilaterally re-value the home?

    According to Section 3425(a)(7) of the New York Insurance Law, a homeowners policy period is established as three years from the date that the policy is first issued. An insurer is prohibited from amending or changing the values midterm without the consent of the insured. So, in answer to your question,...

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