O.C.G.A.

O.C.G.A. § 33-24-19 (2019)

Incorporation of constituent documents in policies

✓ O.C.G.A. — 2019 edition (Public.Resource.Org Release 73)

Code text and O.C.G.A. statutory annotations on this page reflect the 2019 Official Code of Georgia Annotated (Public.Resource.Org Release 73, 2019-08-21; public domain per Georgia v. Public.Resource.Org, 2020). The Syfert case-law annotations in Notes of Decisions, below, are current.

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No policy shall contain any provisions purporting to make any portion of the charter, bylaws, or other constituent document of the insurer a part of the contract unless the portion is set forth in full in the policy. Any policy provision in violation of this Code section shall be invalid. This Code section shall not apply to the subscriber’s agreement or power of attorney of a reciprocal insurer.

History

Code 1933, § 56-2415, enacted by Ga. L. 1960, p. 289, § 1.

Annotations

Cross references. - Including or attaching constitution or bylaws of insurer

issuing life insurance policy, § 33-25-2. Including or attaching constitution or bylaws of insurer issuing policy of accident and sickness insurance, § 33-29-2(a)(7).

JUDICIAL DECISIONS Editor’s notes. - In light of the similarity of the statutory provisions, decisions under former Ga. L. 1906, p. 107, are included in the annotations for this Code section. Section not applicable to action between policyholders. - Former Ga. L. 1906, p. 107 (see O.C.G.A. § 33-24-19) is not applicable when an action is brought

by one or more policyholders to establish the liability of other policyholders to pay assessments, and to compel the policyholders to contribute to the payment of losses sustained by the complainants. Alma Gin & Milling Co. v. Peeples, 145 Ga. 722, 89 S.E. 820 (1916) (decided under former Ga. L. 1906, p. 107).

RESEARCH REFERENCES Am. Jur. 2d. - 43 Am. Jur. 2d, Insurance, § 196 et seq. C.J.S. - 44 C.J.S., Insurance, § 486 et seq. ALR. - Liability in respect of premium where policy is rejected by applicant or prospect, 41 A.L.R. 644. Right of insured or beneficiary to en-

force a policy provision more favorable to him than the standard policy; or to have policy reformed so as to include such a provision, 113 A.L.R. 773. Validity of option provisions in life insurance policy which vary from (or add to, or exclude) statutory provisions, 115 A.L.R. 1389.

Notes of Decisions

Cited in 1 case, 1997–1997 · leading case: Penn Am. Ins. v. Miller, 492 S.E.2d 571 (Ga. Ct. App. 1997).

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Penn Am. Ins. v. Miller, 492 S.E.2d 571 (Ga. Ct. App. 1997). · cites it 2× “, OCGA §§ 33-24-19 (invalidating policies which incorporate the insurer’s charter or bylaws); 33-24-23 (voiding certain provisions in health insurance policies); 33-24-25 (same); 33-24-43 (voiding policy provisions which purport to pay benefits in anything but dollars).”

Annotations are extracted automatically from the opinions in the Syfert caselaw corpus and ranked by authority, recency, and treatment. Dots show Syfertize treatment of the citing case itself.