(a)  A company issuing any policy of insurance subject to nonrenewal, a premium increase, a change in deductible, reduction in limits, or changes in coverage shall effect the same by serving the notice of it as provided by the policy. The notice shall be delivered in hand to the named insured, or be left at his or her last address as shown by the company’s records, or, if its records contain no last address, at his or her last business, residence, or other address known to the company. A company may alternatively forward notice to that address by first-class mail and maintain proof of mailing of the notice to the insured by the United States Postal Service certificate of mailing in the ordinary course of the insurer‘s business, and this proof of mailing shall be sufficient proof of notice.

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Terms Used In Rhode Island General Laws 27-29-17.4

  • certificate: means any contract of insurance, indemnity, medical, health, or hospital service, suretyship, or annuity issued, proposed for issuance, or intended for issuance, by any insurer. See Rhode Island General Laws 27-29-2
  • Insured: means the party named on a policy or certificate as the individuals with legal rights to the benefits provided by the policy. See Rhode Island General Laws 27-29-2
  • Insurer: means any person, reciprocal exchange, interinsurer, Lloyds insurer, fraternal benefit society, and any other legal entity engaged in the business of insurance, including agents, brokers, insurance producers, adjusters, and third-party administrators. See Rhode Island General Laws 27-29-2
  • Mortgagee: The person to whom property is mortgaged and who has loaned the money.
  • Person: means any natural or artificial entity, including but not limited to: an individual, corporation, association, partnership, trust, or any other legal entity. See Rhode Island General Laws 27-29-2
  • United States: include the several states and the territories of the United States. See Rhode Island General Laws 43-3-8

(b)  If a policy is made payable to a mortgagee or any person other than the named insured, notice shall be given as provided in subsection (a) of this section to the payee and to the named insured.

(c)  The insurance producer of record who insured the policy shall also be given notice of any nonrenewal or any premium increase, a change in deductible, or a change in coverage, in the same manner as provided in subsection (a) of this section.

History of Section.
P.L. 2003, ch. 231, § 1; P.L. 2003, ch. 251, § 1.