(a) This article shall apply to insurance against loss to property located in this state, or to any valuable interest therein, by fire, lightning, windstorm, explosion, or by theft or physical damage to motor vehicles and all other kinds of insurance which fire insurance companies are authorized to write in this state, except this article shall not apply to reinsurance, aviation insurance, flood insurance, and marine insurance, which term shall mean, and include, insurance and reinsurance against any, and all, kinds of loss or damage to all of the following subject matters of insurance and interests therein:
(1) Hulls, vessels, and craft of every kind.
(2) Aids to navigation.
(3) Dry docks and marine railways, including marine builders' and repairers' risks, and whether complete or in process of, or awaiting, construction.
(4) All marine protection and indemnity risks.
(5) All goods, freights, cargoes, merchandise, effects, disbursements, profits, monies, bullion, precious stones, securities, chooses in action, evidences of debt, valuable papers, bottomry and respondentia interest, and all other kinds of property and interests therein, in respect to, appertaining to, or in connection with any and all risks or perils of navigation, transit, or transportation on or under any seas, lakes, rivers, or other waters, or in the air or on land in connection with, or incident to, export, import, or waterborne risks, or while being assembled, packed, crated, baled, compressed, or similarly prepared for shipment, or while awaiting the same, or during any delays, storage, transshipment, or reshipment incident thereto, including the insurance of war risks in respect to any or all of the aforesaid subject matters of insurance.
(b) This article shall apply to inland marine insurance in the manner provided in Section 27-13-22, and to flood insurance for motor vehicles.
Structure Code of Alabama
Chapter 13 - Rates and Rating Organizations.
Article 2 - Fire, etc., and Inland Marine Insurance.
Section 27-13-20 - Definitions.
Section 27-13-21 - Applicability of Article - Generally.
Section 27-13-22 - Applicability of Article - Inland Marine Insurance.
Section 27-13-23 - Applicability of Article - Exemptions.
Section 27-13-25 - Rating Organizations - Provisions for Insurers to Become Members or Subscribers.
Section 27-13-27 - Rate-Making and Making Rating Systems.
Section 27-13-28 - Annual Statistical Reports of Insurers.
Section 27-13-29 - Filing of Rating Systems With Department by Insurers - Requirement.
Section 27-13-31 - Survey of Risks Rated Upon Schedule.
Section 27-13-32 - Hearings on Applications to Reduce Rates.
Section 27-13-33 - Applications for Uniform Percentage Increase or Decrease of Rates by Insurers.
Section 27-13-34 - Approval of Rates and Forms for Insuring Special Types or Classes of Risks.
Section 27-13-37 - Alteration, Supplementation, and Amendment of Rating Systems.
Section 27-13-38 - Prohibition Against Premiums Not in Accord With Approved Rating Systems.
Section 27-13-39 - False or Misleading Information Concerning Rates.
Section 27-13-40 - Suspension of License or Certificate of Authority.
Section 27-13-41 - Order Revoking or Suspending Licenses.
Section 27-13-42 - Notices, Hearings, and Orders by Commissioner.
Section 27-13-43 - Review of Final Orders of Commissioner.