Code of Alabama

Ala. Code § 27-14-13 (2026)

Charter, Bylaws, Etc., of Insurer as Part of Contract.

✓ official Alabama Legislature (ALISON) text, current July 2026

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No policy shall contain any provision purporting to make any portion of the charter, bylaws, or other constituent document of the insurer, other than the subscriber’s agreement or power of attorney of a reciprocal insurer, a part of the contract unless such portion is set forth in full in the policy. Any policy provision in violation of this section shall be invalid.

(Acts 1971, No. 407, p. 707, §326.)

Notes of Decisions

Cited in 2 cases, 1991–1992 · leading case: Hyde v. Humana Ins. Co., Inc., 598 So. 2d 876 (Ala. 1992).

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Hyde v. Humana Ins. Co., Inc., 598 So. 2d 876 (Ala. 1992). · cites it 3× “Ala.Code 1975, § 27-14-13, entitled “Charter, bylaws, etc.”

Superior Roofing Contractors, Inc. v. Alabama Roofing, Sheet Metal, Heating & Air Conditioning Contractors' Ass'n Self Insurers Fund, 576 So. 2d 216 (Ala. 1991). · cites it 6× “Thus, argues Superior, because the Fund failed to follow the mandates of § 27-14-13, the insurance contract is invalid.”

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