Ala. Code
Code of Alabama

Ala. Code § 27-14-22 (2026)

Situs of Contracts.

✓ official Alabama Legislature (ALISON) text, current July 2026
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All contracts of insurance, the application for which is taken within this state, shall be deemed to have been made within this state and subject to the laws thereof.

(Code 1940, T. 28, §10; Acts 1971, No. 407, p. 707, §335.)

Notes of Decisions
Cited in 15 cases (1 in the last 5 years), 1994–2023 · leading case: Am. Bankers Ins. Co. v. Crawford, 757 So. 2d 1125 (Ala. 1999).
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Am. Bankers Ins. Co. v. Crawford, 757 So. 2d 1125 (Ala. 1999). · cites it 32× “Judge Albritton considered this issue in White : "The Defendants have also cited to a separate provision of the Alabama Code, § 27-14-22, which governs the applicability of general law to the insurance code.”
Ex Parte Foster, 758 So. 2d 516 (Ala. 1999). · cites it 4× “Because the McCarran-Ferguson Act saves the Alabama statute, § 27-14-22, regulating the business of insurance in Alabama from preemption by the Federal Arbitration Act, and because § 27-14-22 incorporates § 8-1-41(3), which prohibited the trial court from specifically enforcing…”
Woodmen of the World Life Ins. Soc'y v. White, 35 F. Supp. 2d 1349 (M.D. Ala. 1999). · cites it 7× “The Defendants have also cited to a separate provision of the Alabama Code, § 27-14-22, 4 which governs the applicability of general law to the insurance code.”
S. United Fire Ins. Co. v. Howard, 775 So. 2d 156 (Ala. 2000). · cites it 4× “Crawford, supra, we held that § 8-1-41(3) does not reverse-preempt the FAA under the provisions of the McCarran-Ferguson Act. Although we did not address the issue whether § 8-1-41(3) is incorporated into Alabama's insurance law by § 27-14-12(3), we did address whether §…”
Celtic Life Ins. Co. v. McLendon, 814 So. 2d 222 (Ala. 2001). · cites it 2× “, operating in tandem with Ala.Code 1975, § 27-14-22, "reverse-preempts" the Federal Arbitration Act, 9 U.”
Cox v. Woodmen of the World Ins., 556 S.E.2d 397 (S.C. Ct. App. 2001). · cites it 2× “In Crawford , the appellant argued the anti-arbitration statute was incorporated into the law of insurance by Ala. Code § 27-14-22 (1986), which provides: “All contracts of insurance, the application for which is taken within this state, shall be deemed to have been made within…”
In Re HealthSouth Corp. Ins. Litig., 308 F. Supp. 2d 1253 (N.D. Ala. 2004). · cites it 2× “Alabama Code § 27-14-22 provides: "All contracts of insurance, the application for which is taken within this state, shall be deemed to have been made within this state and subject to the laws thereof.”
Bullock v. United Ben. Life Ins. Co., 165 F. Supp. 2d 1259 (M.D. Ala. 2001). · cites it 4× “d PLACE said action on the court’s administrative docket, with leave for either party to move to reinstate the same on the active docket at the conclusion of arbitration proceedings; (2) that such reinstatement will cause the filing date of the action to relate back to the…”
Woodmen of the World Life Ins. Soc'y v. Harris, 740 So. 2d 362 (Ala. 1999). · cites it 2× “Harris argues that a legislative intent to do so can be inferred from § 27-14-22, which states: "All contracts of insurance, the application for which is taken within this state, shall be deemed to have been made within this state and subject to the laws thereof.”
Bowers v. Jefferson Pilot Fin. Ins., 219 F.R.D. 578 (E.D. Mich. 2004). “, Ala. Code § 27-14-22 ("All contracts of insurance, the application for which is taken within this state, shall be deemed to have been made within this state and subject to the laws thereof.”
Lancer Ins. v. Newman Specialized Carriers, Inc., 903 F. Supp. 2d 1272 (N.D. Ala. 2012). · cites it 2× “2007); see also Ala.Code (1975) § 27-14-22 (“All contracts of insurance, the application for which is taken within this state, shall be deemed to have been made within this state and subject to the laws thereof.”
Am. Econ. Ins. Co. v. Thompson, 643 So. 2d 1350 (Ala. 1994). “Section 27-14-22, Code of Alabama (1975), provides: "All contracts of insurance, the application for which is taken within this state, shall be deemed to have been made within this state and subject to the laws thereof.”
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