(a) All certificatesand contracts covered by G.S. 58‑66‑35 must be printed in a typeface at least as large as 10 point modern type, one point leaded, be written ina logical and clear order and form, and contain the following items:
(1) On the cover, first,or insert page of the certificate a statement that the certificate is a legalcontract between the certificate owner and the insurer, and the statement,printed in larger or other contrasting type or color, "Read your certificatecarefully";
(2) An index of themajor provisions of the certificate, which may include the following items:
a. The person orpersons insured by the certificate;
b. The applicableevents, occurrences, conditions, losses, or damages covered by the certificate;
c. The limitations orconditions on the coverage of the certificate;
d. Definitionalsections of the certificate;
e. Provisions governingthe procedure for filing a claim under the certificate;
f. Provisionsgoverning cancellation, renewal, or amendment of the certificate by either theinsurer or the subscriber;
g. Any options underthe certificate; and
h. Provisions governingthe insurer's duties and powers in the event that suit is filed against thesubscriber.
(b) In determiningwhether or not a certificate is written in a logical and clear order and formthe Commissioner must consider the following factors:
(1) The extent to whichsections or provisions are set off and clearly identified by titles, headings,or margin notations;
(2) The use of a morereadable format, such as narrative or outline forms;
(3) Margin size and theamount and use of space to separate sections of the policy; and
(4) Contrast andlegibility of the colors of the ink and paper, and the use of contrastingtitles or headings for sections. (1979, 2nd Sess., c. 1161, s.1.)
(a) All certificatesand contracts covered by G.S. 58‑66‑35 must be printed in a typeface at least as large as 10 point modern type, one point leaded, be written ina logical and clear order and form, and contain the following items:
(1) On the cover, first,or insert page of the certificate a statement that the certificate is a legalcontract between the certificate owner and the insurer, and the statement,printed in larger or other contrasting type or color, "Read your certificatecarefully";
(2) An index of themajor provisions of the certificate, which may include the following items:
a. The person orpersons insured by the certificate;
b. The applicableevents, occurrences, conditions, losses, or damages covered by the certificate;
c. The limitations orconditions on the coverage of the certificate;
d. Definitionalsections of the certificate;
e. Provisions governingthe procedure for filing a claim under the certificate;
f. Provisionsgoverning cancellation, renewal, or amendment of the certificate by either theinsurer or the subscriber;
g. Any options underthe certificate; and
h. Provisions governingthe insurer's duties and powers in the event that suit is filed against thesubscriber.
(b) In determiningwhether or not a certificate is written in a logical and clear order and formthe Commissioner must consider the following factors:
(1) The extent to whichsections or provisions are set off and clearly identified by titles, headings,or margin notations;
(2) The use of a morereadable format, such as narrative or outline forms;
(3) Margin size and theamount and use of space to separate sections of the policy; and
(4) Contrast andlegibility of the colors of the ink and paper, and the use of contrastingtitles or headings for sections. (1979, 2nd Sess., c. 1161, s.1.)
(a) All certificatesand contracts covered by G.S. 58‑66‑35 must be printed in a typeface at least as large as 10 point modern type, one point leaded, be written ina logical and clear order and form, and contain the following items:
(1) On the cover, first,or insert page of the certificate a statement that the certificate is a legalcontract between the certificate owner and the insurer, and the statement,printed in larger or other contrasting type or color, "Read your certificatecarefully";
(2) An index of themajor provisions of the certificate, which may include the following items:
a. The person orpersons insured by the certificate;
b. The applicableevents, occurrences, conditions, losses, or damages covered by the certificate;
c. The limitations orconditions on the coverage of the certificate;
d. Definitionalsections of the certificate;
e. Provisions governingthe procedure for filing a claim under the certificate;
f. Provisionsgoverning cancellation, renewal, or amendment of the certificate by either theinsurer or the subscriber;
g. Any options underthe certificate; and
h. Provisions governingthe insurer's duties and powers in the event that suit is filed against thesubscriber.
(b) In determiningwhether or not a certificate is written in a logical and clear order and formthe Commissioner must consider the following factors:
(1) The extent to whichsections or provisions are set off and clearly identified by titles, headings,or margin notations;
(2) The use of a morereadable format, such as narrative or outline forms;
(3) Margin size and theamount and use of space to separate sections of the policy; and
(4) Contrast andlegibility of the colors of the ink and paper, and the use of contrastingtitles or headings for sections. (1979, 2nd Sess., c. 1161, s.1.)
