Colorado Code
Title 10 - Insurance
Article 4 - Property and Casualty Insurance

§ 10-4-101. Legislative Declaration - The general assembly declares that the health, welfare, and safety...

§ 10-4-102. Federal "Voluntary Fair Access to Insurance Required, Property Insurance Program" - State Qualification - In order that this state may share in the provisions...

§ 10-4-103. Voluntary Partial Payment of Liability Claims Without Admission of Liability - No voluntary partial payment of a claim against any person...

§ 10-4-104. Competency of Minor to Contract for Insurance - Nonavoidance - Any minor sixteen years of age or older may, notwithstanding...

§ 10-4-105. Valuation of Bonds and Policies Other Than Life - For the purpose of establishing the liability of companies doing...

§ 10-4-106. Assigned Risks - Source: L. 75: Entire section added, p. 270, § 2,...

§ 10-4-106.5. Medical Malpractice Insurers - Requirement to Provide Information to the Department of Public Health and Environment - Upon request by the department of public health and environment...

§ 10-4-107. Cancellation of Medical Malpractice Policies - Source: L. 76: Entire section added, p. 365, § 1,...

§ 10-4-108. Notice - Source: L. 76: Entire section added, p. 365, § 1,...

§ 10-4-109. Nonrenewal of Medical Malpractice Policies - Source: L. 76: Entire section added, p. 365, § 1,...

§ 10-4-109.5. Notice of Intent Prior to Unilateral Increase in Premium or Decrease in Coverage Previously Provided in Medical Malpractice Policies - Source: L. 86: Entire section added, p. 573, § 4,...

§ 10-4-109.7. Notice of Intent Prior to Cancellation of Certain Policies of Insurance - Source: L. 86: Entire section added, p. 573, § 4,...

§ 10-4-110. Notice of Intent Prior to Nonrenewal of Certain Policies of Insurance - Source: L. 77: Entire section added, p. 511, § 1,...

§ 10-4-110.3. Exclusions Where Claim Involves Sexual Misconduct - Void - Source: L. 95: Entire section added, p. 865, § 1,...

§ 10-4-110.4. Exclusion - Claims Involving Loss in Progress Not Known to Insured - Source: L. 2010: Entire section added, (HB 10-1394), ch. 253,...

§ 10-4-110.5. Notice of Intent Prior to Unilateral Increase in Premium or Decrease in Coverage Previously Provided in Certain Policies of Insurance - Source: L. 86: Entire section added, p. 574, § 6,...

§ 10-4-110.6. Homeowner's Insurance - Definition - For the purposes of this article, "homeowner's insurance" means insurance...

§ 10-4-110.7. Cancellation or Nonrenewal - Homeowner's Insurance Policies - Source: L. 87: Entire section added, p. 427, § 5,...

§ 10-4-110.8. Homeowner's Insurance - Prohibited and Required Practices - Estimates of Replacement Value - Additional Living Expense Coverage - Copies of Policies - Personal Property Contents Coverage - Inventory of Personal Property - Definitions -... - (I) Does not revive a cause of action that, as...

§ 10-4-110.9. Fire Insurance - Issuance and Renewal of Policies Within Federally Designated Disaster Areas - Source: L. 2002, 3rd Ex. Sess.: Entire section added, p....

§ 10-4-111. Summary Disclosure Forms Required - Source: L. 79: Entire section added, p. 360, § 6,...

§ 10-4-112. Property Damage - Time of Payment - Source: L. 86: Entire section added, p. 576, § 1,...

§ 10-4-113. Exemptions - Source: L. 86: Entire section added, p. 578, § 1,...

§ 10-4-114. Requirements on Hazard Insurance Coverage for Loans Secured by Real Property - Source: L. 88: Entire section added, p. 403, § 2,...

§ 10-4-115. Private Utilization Review - Source: L. 93: Entire section added, p. 493, § 1,...

§ 10-4-116. Use of Credit Information - In connection with this application for insurance, we may review...

§ 10-4-117. Loss History Information Report - Notice to Insured - Definition - Source: L. 2004: Entire section added, p. 1972, § 2,...

§ 10-4-118. Severability - If any provision or clause of this part 1 or...

§ 10-4-119. Monthly and Electronic Payment of Premiums - An insurer offering personal lines of property and casualty insurance...

§ 10-4-120. Unfair or Discriminatory Trade Practices - Legislative Declaration - Source: L. 2007: Entire section added, p. 972, § 1,...

§ 10-4-121. Authority of Insurer to Protect Policyholders' Property - Emergency - Notwithstanding any other provision of law, an insurer may provide...

Part 3 - Bonds Executed by Qualified Surety Companies

§ 10-4-301. Bond Executed by Surety Company - Source: L. 79: Entire part R&RE, p. 360, § 7,...

§ 10-4-302. Release of Surety - Other Security - Any surety upon the bond of any state, county, municipal,...

§ 10-4-303. Application for Release of Surety - Refund - When any company, surety upon the official bond of any...

§ 10-4-304. Place of Deposit - It is lawful for any party of whom a bond,...

§ 10-4-305. Bond Part of Expense - Any receiver, assignee, guardian, trustee, committee, executor, administrator, curator, or...

Part 4 - Rate Regulation

§ 10-4-401. Purpose - Applicability - Source: L. 79: Entire part R&RE, p. 362, § 8,...

§ 10-4-402. Definitions - As used in this part 4, unless the context otherwise...

§ 10-4-403. Standards for Rates - Competition - Procedure - Requirement for Independent Actuarial Opinions Regarding 1991 Legislation - (2.5) Notwithstanding any provision of law to the contrary, any...

§ 10-4-404. Rate Administration - Source: L. 79: Entire part R&RE, p. 365, § 8,...

§ 10-4-404.5. Rating Plans - Property and Casualty Type Ii Insurers - Rules - Source: L. 88: Entire section added, p. 402, § 1,...

§ 10-4-405. Filing of Rating Information - Certain Coverages - Source: L. 79: Entire part R&RE, p. 366, § 8,...

§ 10-4-406. Review of Filings - Certain Coverages - (2.5) For any filing made pursuant to section 10-4-405 for...

§ 10-4-407. Hearings - Source: L. 79: Entire part R&RE, p. 368, § 8,...

§ 10-4-408. Rating Organization - Study of Workers' Compensation Rates - Premium Reductions - Adoption of Rules - Source: L. 79: Entire part R&RE, p. 369, § 8,...

§ 10-4-409. Rates Furnished - Cooperation Among Organizations - Source: L. 79: Entire part R&RE, p. 369, § 8,...

§ 10-4-410. Advisory Organizations - Source: L. 79: Entire part R&RE, p. 370, § 8,...

§ 10-4-411. Joint Underwriting - Source: L. 79: Entire part R&RE, p. 370, § 8,...

§ 10-4-412. Assigned Risk Motor Vehicle Insurance - Source: L. 79: Entire part R&RE, p. 371, § 8,...

§ 10-4-413. Records Required to Be Maintained - Source: L. 79: Entire part R&RE, p. 371, § 8,...

§ 10-4-414. Examinations - Source: L. 79: Entire part R&RE, p. 372, § 8,...

§ 10-4-415. Prohibition Against Anticompetitive Behavior - Source: L. 79: Entire part R&RE, p. 372, § 8,...

§ 10-4-416. Prohibiting Changes in Rates or Coverages - In any case involving insurance subject to this part 4...

§ 10-4-417. False or Misleading Information - No person or organization shall willfully withhold information from, or...

§ 10-4-418. Enforcement Procedures - Penalties - Source: L. 79: Entire part R&RE, p. 374, § 8,...

§ 10-4-419. Claims-Made Policy Forms - (6.5) This section shall not apply to insurers providing coverage...

§ 10-4-419.5. Workers' Compensation Form Certification - An insurance carrier writing workers' compensation insurance in this state...

§ 10-4-420. Risk Management Procedures - Every insurer writing commercial property and casualty insurance in this...

§ 10-4-421. Notice of Rate Increases and Decreases - Source: L. 88: Entire section added, p. 404, § 1,...

Part 5 - Colorado Insurance Guaranty Association Act

§ 10-4-501. Short Title - This part 5 shall be known and may be cited...

§ 10-4-502. Legislative Declaration - The purposes of this part 5 are to provide a...

§ 10-4-503. Definitions - As used in this part 5, unless the context otherwise...

§ 10-4-504. Scope - This part 5 shall apply to all kinds of direct...

§ 10-4-505. Construction - This part 5 shall be liberally construed to effect the...

§ 10-4-506. Colorado Insurance Guaranty Association - There is created a nonprofit unincorporated legal entity to be...

§ 10-4-507. Board of Directors - Source: L. 71: p. 757, § 1. C.R.S. 1963: §...

§ 10-4-508. Powers and Duties of Association - Source: L. 71: p. 758, § 1. C.R.S. 1963: §...

§ 10-4-508.5. Aggregate Liability of Association - Source: L. 99: Entire section added, p. 87, § 3,...

§ 10-4-509. Plan of Operation - Source: L. 71: p. 759, § 1. C.R.S. 1963: §...

§ 10-4-510. Duties and Powers of Commissioner - Source: L. 71: p. 760, § 1. C.R.S. 1963: §...

§ 10-4-511. Effect of Paid Claims - Source: L. 71: p. 761, § 1. C.R.S. 1963: §...

§ 10-4-512. Nonduplication of Recovery - Source: L. 71: p. 761, § 1. C.R.S. 1963: §...

§ 10-4-513. Prevention of Insolvencies - Source: L. 71: p. 762, § 1. C.R.S. 1963: §...

§ 10-4-514. Examination of Association - The association shall be subject to examination and regulation by...

§ 10-4-515. Tax Exemption - The association shall be exempt from payment of all fees...

§ 10-4-516. Recognition of Assessments in Rates - The rates and premiums charged for insurance policies to which...

§ 10-4-517. Immunity - There shall be no liability on the part of, and...

§ 10-4-518. Stay of Proceedings - All proceedings to which an insolvent insurer is a party...

§ 10-4-519. Termination - Distribution of Funds - Source: L. 71: p. 763, § 1. C.R.S. 1963: §...

§ 10-4-520. Advertising - No person, including an insurer, agent, or affiliate of an...

Part 6 - Automobile Insurance Policy - Regulations

§ 10-4-601. Definitions - As used in this part 6, unless the context otherwise...

§ 10-4-601.5. Administrative Authority - The commissioner shall administer and enforce the provisions of this...

§ 10-4-602. Basis for Cancellation - Source: L. 69: p. 550, § 2. C.R.S. 1963: §...

§ 10-4-603. Notice - Source: L. 69: p. 550, § 3. C.R.S. 1963: §...

§ 10-4-604. Nonrenewal - Source: L. 69: p. 550, § 4. C.R.S. 1963: §...

§ 10-4-604.5. Issuance or Renewal of Insurance Policies - Proof of Insurance Provided by Certificate, Card, or Other Media - Source: L. 98: Entire section added, p. 787, § 6,...

§ 10-4-605. Proof of Notice - Proof of mailing notice of cancellation, or of intention not...

§ 10-4-606. Further Notice - When automobile bodily injury and property damage liability coverage is...

§ 10-4-607. Immunity - There shall be no liability on the part of, and...

§ 10-4-608. Exemptions - Source: L. 69: p. 551, § 8. C.R.S. 1963: §...

§ 10-4-609. Insurance Protection Against Uninsured Motorists - Applicability - Source: L. 79: Entire section added, p. 377, § 11,...

§ 10-4-610. Property Damage Protection Against Uninsured Motorists - Source: L. 88: Entire section added, p. 409, § 1,...

§ 10-4-611. Elimination of Discounts - Damage by Uninsured Motorist - No rating discounts applied to any policy of motor vehicle...

§ 10-4-613. Glass Repair and Replacement - Source: L. 92: Entire section added, p. 1791, § 1,...

§ 10-4-614. Inflatable Restraint Systems - Replacement - Verification of Claims - Definition - Source: L. 97: Entire section added, p. 796, § 1,...

§ 10-4-615. Motorist Insurance Identification Database Program - Reporting Required - Fine - Source: L. 97: Entire section added, p. 1444, § 1,...

§ 10-4-616. Disclosure of Credit Reports - Source: L. 2003: Entire section added, p. 839, § 1,...

§ 10-4-617. Insurers - Biannual Fee - Auto Theft Prevention Authority - Source: L. 2003: Entire section added, p. 1330, § 2,...

§ 10-4-619. Coverage Compulsory - Source: L. 2003: Entire section amended, p. 2433, § 2,...

§ 10-4-620. Required Coverage - Subject to the limitations and exclusions authorized by this part...

§ 10-4-621. Required Coverages Are Minimum - Source: L. 2003: Entire section added, p. 1561, § 3,...

§ 10-4-622. Required Provision for Intrastate and Interstate Operation - Source: L. 2003: Entire section added, p. 1561, § 3,...

§ 10-4-623. Conditions and Exclusions - Source: L. 2003: Entire section added, p. 1562, § 3,...

§ 10-4-624. Self-Insurers - Source: L. 2003: (2) amended, p. 2433, § 3, effective...

§ 10-4-625. Premium Payments - The commissioner shall issue rules establishing monthly, quarterly, semiannual, and...

§ 10-4-626. Prohibited Reasons for Nonrenewal or Refusal to Write Policy of Automobile Insurance Applicable to This Part 6 - Source: L. 2003: Entire section added, p. 1563, § 3,...

§ 10-4-627. Discriminatory Standards - Premiums - Surcharges - Proof of Financial Responsibility Requirements - Source: L. 2003: Entire section added, p. 1564, § 3,...

§ 10-4-628. Refusal to Write - Changes in - Cancellation - Nonrenewal of Policies Prohibited - Source: L. 2003: Entire section added, p. 1564, § 3,...

§ 10-4-629. Cancellation - Renewal - Reclassification - Source: L. 2003: Entire section added, p. 1566, § 3,...

§ 10-4-630. Exclusion of Named Driver - Source: L. 2003: Entire section added, p. 1568, § 3,...

§ 10-4-632. Reduction in Rates for Drivers Aged Fifty-Five Years or Older Who Complete Driver's Education Course - Legislative Declaration - Source: L. 2003: Entire section added, p. 1568, § 3,...

§ 10-4-633. Certification of Policy and Notice Forms - Source: L. 2003: Entire section added, p. 1570, § 3,...

§ 10-4-633.5. Automobile Insurance Policies - Plain Language Required - Rules - Source: L. 2010: Entire section added, (HB 10-1166), ch. 143,...

§ 10-4-634. Assignment of Payment for Covered Benefits - Source: L. 2004: Entire section added, p. 250, § 1,...

§ 10-4-635. Medical Payments Coverage - Definitions - Source: L. 2004: Entire section added, p. 415, § 1,...

§ 10-4-636. Disclosure Requirements for Automobile Insurance Products Offered - Rules - Source: L. 2004: Entire section added, p. 455, § 1,...

§ 10-4-637. No Discrimination by Profession - Reimbursement for lawfully performed health care services covered by a...

§ 10-4-638. Retroactive Adjustment of Health-Care Service Claims - Source: L. 2004: Entire section added, p. 530, § 1,...

§ 10-4-639. Claims Practices for Property Damage - Source: L. 2004: Entire section added, p. 895, § 4,...

§ 10-4-640. Operator's Policy of Insurance - Source: L. 2004: Entire section added, p. 895, § 4,...

§ 10-4-641. Rules - Medical Payments Coverage - Source: L. 2004: Entire section added, p. 1340, § 1,...

§ 10-4-642. Prompt Payment of Direct Benefits - Legislative Declaration - Definitions - (I) By United States mail, first class, or by overnight...

§ 10-4-643. Electronic Claim Forms - Rules - The commissioner may promulgate rules, consistent with section 10-4-642, for...

Part 10 - Fraudulent Claims and Arson Information Reporting Act

§ 10-4-1001. Short Title - This part 10 shall be known and may be cited...

§ 10-4-1002. Definitions - As used in this part 10, unless the context otherwise...

§ 10-4-1003. Disclosure of Information - Source: L. 79: Entire part added, p. 391, § 1,...

§ 10-4-1004. Evidence - Confidential - Source: L. 79: Entire part added, p. 391, § 1,...

§ 10-4-1005. Immunity - Source: L. 79: Entire part added, p. 391, § 1,...

§ 10-4-1006. Enforcement - Source: L. 79: Entire part added, p. 391, § 1,...

§ 10-4-1007. Penalty - Any person who violates any of the provisions of this...

§ 10-4-1008. Municipal Ordinances - Concurrent Jurisdiction - Common Law - Source: L. 79: Entire part added, p. 392, § 1,...

§ 10-4-1009. Continuing Duties of Insurers - Unfair Claim Settlement Practices - The provisions of this part 10 shall not be construed...

Part 12 - Transaction of Business With Producer-Controlled Property and Casualty Insurers

§ 10-4-1201. Definitions - As used in this part 12, unless the context otherwise...

§ 10-4-1202. Minimum Standards - Source: L. 92: Entire part added, p. 1487, § 19,...

§ 10-4-1203. Disclosure - The producer, prior to the effective date of the policy,...

§ 10-4-1204. Penalties - Source: L. 92: Entire part added, p. 1490, § 19,...

§ 10-4-1205. Applicability - This part 12 shall apply to licensed insurers as defined...

§ 10-4-1206. Effective Date - This part 12 shall take effect July 1, 1992. Controlled...

Part 13 - Black Lung Disease Insurance Joint Underwriting Association

§ 10-4-1301. Legislative Declaration - The purpose of this part 13 is to ensure the...

§ 10-4-1302. Definitions - As used in this part 13, unless the context otherwise...

§ 10-4-1303. Temporary Joint Underwriting Association - Source: L. 95: Entire part added, p. 732, § 1,...

§ 10-4-1304. Board of Directors - Authority - Source: L. 95: Entire part added, p. 732, § 1,...

§ 10-4-1305. Plan of Operation - Annual Certification - Source: L. 95: Entire part added, p. 733, § 1,...

§ 10-4-1306. Deficits - Assessment - Rebate of Surplus - Source: L. 95: Entire part added, p. 734, § 1,...

§ 10-4-1307. Annual Statements - The association shall file in the office of the commissioner...

§ 10-4-1308. Examinations - Source: L. 95: Entire part added, p. 735, § 1,...

§ 10-4-1309. Legislative Declaration - Authority of Commissioner - Emergency Rules - Judicial Review - Source: L. 95: Entire part added, p. 735, § 1,...

§ 10-4-1310. Privileged Communications - There shall be no liability on the part of, and...

§ 10-4-1311. Tax Exemption - The association shall be exempt from payment of all fees...

Part 14 - Exemption From Rate and Approval Requirements for Insurers Providing Coverage to Exempt Commercial Policyholders

§ 10-4-1401. Legislative Declaration - The general assembly declares that the health, welfare, and safety...

§ 10-4-1402. Rules - Source: L. 99: Entire part added, p. 384, § 1,...

§ 10-4-1403. Exemption From Rate Filing, Approval, and Form Certification Requirements - Source: L. 99: Entire part added, p. 386, § 1,...

§ 10-4-1404. Multistate Insurance Risks - Choice of Law - Where the exempt commercial policyholder operates in more than one...

Part 15 - Portable Electronics Insurance

§ 10-4-1501. Definitions - As used in this part 15, unless the context otherwise...

§ 10-4-1502. Licensure of Vendors - Source: L. 2012: Entire part added, (HB 12-1071), ch. 25,...

§ 10-4-1503. Requirements for Sale of Portable Electronics Insurance - Source: L. 2012: Entire part added, (HB 12-1071), ch. 25,...

§ 10-4-1504. Authority of Vendors of Portable Electronics - Source: L. 2012: Entire part added, (HB 12-1071), ch. 25,...

§ 10-4-1505. Suspension or Revocation of License - Source: L. 2012: Entire part added, (HB 12-1071), ch. 25,...

§ 10-4-1506. Termination of Portable Electronics Insurance - Source: L. 2012: Entire part added, (HB 12-1071), ch. 25,...

§ 10-4-1507. Application for License - Fees - Source: L. 2012: Entire part added, (HB 12-1071), ch. 25,...

Part 16 - Consumer Goods Service Contracts

§ 10-4-1601. Definitions - As used in this part 16, unless the context otherwise...

§ 10-4-1602. Exemptions - Source: L. 2014: Entire part added, (HB 14-1199), ch. 204,...

§ 10-4-1603. Requirements for Sale of Consumer Goods Service Contracts - Definitions - Source: L. 2014: Entire part added, (HB 14-1199), ch. 204,...

§ 10-4-1604. Obligations of Reimbursement Insurance Companies - Source: L. 2014: Entire part added, (HB 14-1199), ch. 204,...

§ 10-4-1605. Required Disclosures - Reimbursement Insurance Policy - Source: L. 2014: Entire part added, (HB 14-1199), ch. 204,...

§ 10-4-1606. Required Disclosures - Service Contracts - Source: L. 2014: Entire part added, (HB 14-1199), ch. 204,...

§ 10-4-1607. Prohibited Acts - Source: L. 2014: Entire part added, (HB 14-1199), ch. 204,...

§ 10-4-1608. Required Record Keeping - Source: L. 2014: Entire part added, (HB 14-1199), ch. 204,...

§ 10-4-1609. Enforcement Provisions - Rules - Source: L. 2014: Entire part added, (HB 14-1199), ch. 204,...

Part 17 - Self-Storage Insurance Limited Licenses

§ 10-4-1701. Definitions - As used in this part 17, unless the context otherwise...

§ 10-4-1702. Authority to Issue License - Source: L. 2017: Entire part added, (HB 17-1263), ch. 368,...

§ 10-4-1703. License - Application - Restrictions - Source: L. 2017: Entire part added, (HB 17-1263), ch. 368,...

§ 10-4-1704. Disclosures to Occupant - Source: L. 2017: Entire part added, (HB 17-1263), ch. 368,...

§ 10-4-1705. Supervision of Issuance - Training - Source: L. 2017: Entire part added, (HB 17-1263), ch. 368,...

§ 10-4-1706. Compensation - Source: L. 2017: Entire part added, (HB 17-1263), ch. 368,...

§ 10-4-1707. Exemption From Requirements - Notwithstanding any other provision of this part 17, rule promulgated...

§ 10-4-1708. Notification - Source: L. 2017: Entire part added, (HB 17-1263), ch. 368,...

§ 10-4-1709. Enforcement - Source: L. 2017: Entire part added, (HB 17-1263), ch. 368,...

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Colorado Code Title 10 - Insurance Article 4 - Property and Casualty Insurance

Colorado Code
Title 10 - Insurance
Article 4 - Property and Casualty Insurance