Idaho Code
Idaho Code

Idaho Code § 41-1813 (2026)

Grounds for disapproval. 

✓ current as of May 2026
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Grounds for disapproval. 

The director shall disapprove any form filed under section 41-1812, or withdraw any previous approval thereof, only on one or more of the following grounds:

(1)  Is in any respect in violation of or does not comply with this code.
(2)  Contains or incorporates by reference, where such incorporation is otherwise permissible, any inconsistent, ambiguous, or misleading clauses, or exceptions and conditions which deceptively affect the risk purported to be assumed in the general coverage of the contract, or which are unfairly prejudicial to the policy holder.
(3)  Has any title, heading, or other indication of its provisions which is misleading.
(4)  Is printed or otherwise reproduced in such manner as to render any provision of the form substantially illegible.
Notes of Decisions
Cited in 3 cases, 1987–2011 · leading case: Hill v. Am. Fam. Mut. Ins., 249 P.3d 812 (Idaho 2011).
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Hill v. Am. Fam. Mut. Ins., 249 P.3d 812 (Idaho 2011). · cites it 4× “" I.C. § 41-1813(2). Hill does not contend that the Director failed to review or disapproved her policy with American Family.”
Hansen v. State Farm Mut. Auto. Ins., 735 P.2d 974 (Idaho 1987). · cites it 4× “" I.C. § 41-1813. We deem the Director's duties regarding the public interest to also include concern for the cost to the public of insurance coverage.”
Howard v. Blue Cross of Idaho Health Serv., Inc., 757 P.2d 1204 (Idaho Ct. App. 1988). · cites it 2× “" I.C. § 41-1813. .. . The statutory scheme is clear.”
— Idaho Code § 41-1813(2) — 1 case
Hill v. Am. Fam. Mut. Ins., 249 P.3d 812 (Idaho 2011). “" I.C. § 41-1813(2). Hill does not contend that the Director failed to review or disapproved her policy with American Family.”
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