Georgia Code
Article 1 - General Provisions
§ 33-24-4. Insurable Interest; Property Insurance

History. Orig. Code 1863, § 2745; Code 1868, § 2753; Code 1873, § 2795; Code 1882, § 2795; Civil Code 1895, § 2090; Civil Code 1910, § 2472; Code 1933, § 56-812; Code 1933, § 56-2405, enacted by Ga. L. 1960, p. 289, § 1; Ga. L. 2019, p. 386, § 24/SB 133; Ga. L. 2020, p. 493, § 33/SB 429.
The 2019 amendment, effective July 1, 2019, deleted former subsection (c), which read: “The measure of an insurable interest in property is the extent to which the insured might be damnified by loss, injury, or impairment of such interest in such property.”
The 2020 amendment, effective July 29, 2020, part of an Act to revise, modernize, and correct the Code, substituted “section, the term ‘insurable interest’ ” for “section, ‘insurable interest’ ” in subsection (a).
Law reviews.
For comment on American Equitable Assurance Co. v. Pioneer Coop. Fire Ins. Co., 100 R.I. 375, 216 A.2d 139 (1966), as to effect of transfer of insured property to third party absent a clause in the policy prohibiting alienation, see 17 Mercer L. Rev. 483 (1966).
For survey article on domestic relations, see 34 Mercer L. Rev. 113 (1982).
For annual survey of insurance law, see 42 Mercer L. Rev. 259 (1990).

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Structure Georgia Code

Georgia Code

Title 33 - Insurance

Chapter 24 - Insurance Generally

Article 1 - General Provisions

§ 33-24-1. Definitions

§ 33-24-2. Applicability of Chapter

§ 33-24-3. Insurable Interest; Personal Insurance

§ 33-24-4. Insurable Interest; Property Insurance

§ 33-24-5. Persons Having Capacity to Contract for Insurance; Purchase of Insurance by or for Minors; Rescission, Avoidance, or Repudiation of Contracts by Minors

§ 33-24-6. Consent of Insured to Insurance Contract; Exceptions; Reliance by Insurer on Statements in Application

§ 33-24-6.1. Prerequisites for Replacement Life Insurance Exceeding Insurance Being Surrendered

§ 33-24-7. Statements and Descriptions in Applications or in Negotiations Deemed Representations and Not Warranties; Effect of Misrepresentations Upon Recovery Under Policies

§ 33-24-8. Admissibility in Evidence of Applications in Actions Between Insurer and Insured

§ 33-24-9. Approval or Disapproval of Forms

§ 33-24-10. Grounds for Disapproval of Forms

§ 33-24-10.1. Standard or Uniform Claim Form

§ 33-24-11. Waiver by Commissioner of Use of Standard or Uniform Provisions in Policies or Contracts; Approval of Use of Substitute Provisions

§ 33-24-12. Noncomplying Conditions or Provisions; Cancellation of Contracts Covering Uninsurable Subjects

§ 33-24-13. Execution of Policies; Use of Facsimile Signatures

§ 33-24-14. Delivery of Policies; Applicability of Uniform Electronic Transactions Act; Additional Mailings

§ 33-24-14.1. Electronic Delivery of Plan Documentation

§ 33-24-15. When Policies or Contracts Become Effective

§ 33-24-16. Construction of Policies

§ 33-24-16.1. Clarification of Term “Actual Charge” or “Actual Fee”

§ 33-24-17. Assignment of Policies

§ 33-24-18. Contents of Insurance Policies and Annuity Contracts Generally

§ 33-24-19. Incorporation of Constituent Documents in Policies

§ 33-24-19.1. Certificate of Insurance Forms to Be Approved by Commissioner; Definitions; Required Provisions of Certificate

§ 33-24-20. Provision in Accident and Sickness Policies for Termination of Coverage of Surviving Spouse or as Result of Break in Marital Relationship; Issuance of Policy to Spouse

§ 33-24-21. Provision in Accident and Sickness Policies for Termination of Group Coverage of Surviving Spouse or as Result of Break in Marital Relationship; Issuance of Policy to Spouse

§ 33-24-21.1. Group Accident and Sickness Contracts; Conversion Privilege and Continuation Right Provisions; Impact of Federal Legislation

§ 33-24-21.2. Continuation of Coverage Under Group Accident and Sickness Plans for Persons 60 Years of Age or Older

§ 33-24-22. Provision in Health Insurance Policies for Coverage of Newly Born or Adopted Children

§ 33-24-23. Provision in Group Policies of Accident and Sickness Insurance for Exclusion or Reduction of Benefits

§ 33-24-24. Provision in Group or Blanket Accident and Sickness Policies of Coverage for Complications of Pregnancy

§ 33-24-25. Provisions in Group or Blanket Policies Excluding or Reducing Coverage of Persons Eligible for or Receiving Medical Assistance

§ 33-24-26. Provisions Limiting or Restricting Payment of Benefits for Preexisting Illnesses or Conditions

§ 33-24-26.1. Provisions Required in Group Policies or Contracts of Disability Income Insurance Covering Preexisting Conditions; Restrictions on Preexisting Condition Limitations or Exclusions

§ 33-24-27. Provision for Reimbursement for Services Within the Lawful Scope of Practice of Psychologists or Chiropractors

§ 33-24-27.1. Provision for Reimbursement for Services Within the Lawful Scope of Practice of Optometrists

§ 33-24-27.2. Provision for Reimbursement for Services Within the Lawful Scope of Practice of Athletic Trainers

§ 33-24-28. Termination of Coverage of Dependent Child Upon Attainment of Specified Age

§ 33-24-28.1. Coverage of Treatment of Mental Health or Substance Use Disorders

§ 33-24-28.2. Coverage of Outpatient Surgery

§ 33-24-28.3. Policies Not to Exclude Payment to Hospitals Specializing in Treatment of Alcoholics or Drug Addicts

§ 33-24-28.4. Coverage of General Anesthesia and Hospital or Ambulatory Surgical Facility Charges for Certain Dental Care

§ 33-24-29. Coverage for Treatment of Mental Disorders Under Accident and Sickness Insurance Benefit Plans Providing Major Medical Benefits Covering Small Groups; Federal Law

§ 33-24-29.1. Coverage for Mental Disorders Under Accident and Sickness Insurance Benefit Plans Providing Major Medical Benefits Covering All Groups Except Small Groups

§ 33-24-30. Excluding or Denying Coverage on Basis of Violation of Civil Air Regulations

§ 33-24-30.1. Excluding or Denying Coverage on Basis of Lawful Firearms Possession

§ 33-24-31. Provision in Group Disability Income Policies for Offsetting of Increased Social Security Benefits

§ 33-24-32. Underwriters’ and Combination Policies

§ 33-24-33. Binders and Other Contracts for Temporary Insurance

§ 33-24-34. Authorization of Group Insurance for Government Employees; Deduction of Premiums From Wages or Salaries

§ 33-24-35. Withdrawal or Retirement From Group Insurance Plan

§ 33-24-36. Effect of Government Employee Group Insurance Upon Rights Under Workers’ Compensation Act

§ 33-24-38. Renewal or Extension of Policies by Certificate or Endorsement

§ 33-24-39. Insurers to Furnish Forms for Proof of Loss; Effect of Furnishing or Failure to Furnish Forms

§ 33-24-40. Acts of Claims Administration Not to Be Deemed Waiver of Policies or Defenses Under Policies

§ 33-24-41. Discharge of Insurer by Payment Generally

§ 33-24-41.1. Motor Vehicle Accident Claim Covered by Two or More Insurance Carriers; Limited Release

§ 33-24-41.2. Written Notice by Insurer to Claimant of Payment of Claim in Third-Party Settlement

§ 33-24-42. Payment of Claims in Event of Simultaneous Deaths

§ 33-24-43. Medium of Payment

§ 33-24-44. Cancellation of Policies Generally

§ 33-24-44.1. Procedure for Cancellation by Insured and Notice

§ 33-24-45. Cancellation or Nonrenewal of Automobile or Motorcycle Policies; Procedure for Review by Commissioner

§ 33-24-46. Cancellation or Nonrenewal of Certain Property Insurance Policies

§ 33-24-47. Notice Required of Termination or Nonrenewal, Increase in Premium Rates, or Change Restricting or Reducing Coverage; Failure of Insurer to Comply

§ 33-24-47.1. Notice Prior to Cancellation or Nonrenewal of Individual or Group Accident and Sickness Policy

§ 33-24-48. Acceptance of Surety Insurance Companies as Sureties Upon Bonds of Persons or Corporations; Rights and Liabilities of Corporate Sureties

§ 33-24-49. Deposit of Funds Covered by Bonds

§ 33-24-50. Action as Sureties Upon Guaranteed Arrest Bond Certificates; Acceptance of Certificates

§ 33-24-51. Purchase of Insurance Covering Injuries Resulting From Governmental Ownership and Use of Motor Vehicles; Waiver of Governmental Immunity; Limitation of Liabilities

§ 33-24-52. Direct Response Insurance Business

§ 33-24-53. Solicitation, Release, or Sale of Automobile Accident Information Prohibited; Definitions; Exceptions; Penalties

§ 33-24-54. Payments to Nonparticipating or Nonpreferred Providers of Health Care Services

§ 33-24-55. Health Insurance; Recovery Rights of State for Payments Made Under Medicaid; Rights of Children to Coverage; Requirements for Insurers Under Orders to Provide Coverage

§ 33-24-56. Prohibition Against Requiring Referral From Primary Care Physician to Dermatologist

§ 33-24-56.1. Reimbursement of Medical Expense or Disability Benefit Providers in Personal Injury Cases; Subrogation Prohibited; Notice

§ 33-24-56.2. Surveillance Tests for Ovarian Cancer

§ 33-24-56.3. Colorectal Cancer Screening and Testing

§ 33-24-56.4. Short Title; Definitions; Payment for Telehealth Services

§ 33-24-56.5. Health Benefit Policy to Provide Coverage for Orally Administered Chemotherapy for the Treatment of Cancer; Definitions

§ 33-24-57. Health Insurance; Provision That Coverage Cannot Be Terminated Due to Individual Claims Experience Required

§ 33-24-57.1. Health Insurance Identification Card; Issue Required; Contents; Updating; Social Security Numbers Not to Be Displayed

§ 33-24-58. Newborn Baby and Mother Protection Act; Short Title

§ 33-24-58.1. Newborn Baby and Mother Protection Act; Legislative Findings and Declaration

§ 33-24-58.2. Newborn Baby and Mother Protection Act; Minimum Health Benefit Policy Coverage; Prohibited Actions by Insurance Providers; Required Notice to Mother

§ 33-24-59. Women’s Access to Health Care; Health Insurance; Provision Disclosing Insured’s Right to Direct Access to Obstetricians and Gynecologists Required

§ 33-24-59.1. Coverage for Treatment of Dependent Children With Cancer

§ 33-24-59.2. Coverage for Equipment and Self-Management Training for Individuals With Diabetes; Enforcement

§ 33-24-59.3. Payments Sent Directly to Health Care Provider by Insurer

§ 33-24-59.4. Confidentiality of Medical Information Obtained From Pharmacies; Restrictions on Release of Information; Penalty for Violation

§ 33-24-59.5. Definitions; Timely Payment of Health Benefits; Notification of Failure to Pay; Penalties; Applicability

§ 33-24-59.6. Prescribed Female Contraceptive Drugs or Devices; Insurance Coverage

§ 33-24-59.7. Coverage for the Treatment of Morbidly Obese Patients; Short Title; Legislative Findings; Adoption of Rules and Regulations by Commissioner

§ 33-24-59.8. Coverage for Prescription Inhalers; No Restriction on the Number of Days Before Obtaining a Refill as Prescribed

§ 33-24-59.9. Registered Nurse First Assistants

§ 33-24-59.10. Coverage for Autism

§ 33-24-59.11. Insurance Coverage for Prescription Drugs Used in Manner Different Than Use Authorized by Fda

§ 33-24-59.12. Patient Access to Eye Care

§ 33-24-59.13. Exemptions From Certain Unfair Trade Practices for Certain Wellness and Health Improvement Programs; Incentives

§ 33-24-59.14. Definitions; Prompt Pay Requirements; Penalties

§ 33-24-59.15. Definitions; Dental Insurance

§ 33-24-59.16. Equal Access to Child’s Health Insurance Information; Exceptions

§ 33-24-59.17. Coverage of Certain Abortions Through Certain Qualified Health Plans Prohibited; Definitions

§ 33-24-59.18. Coverage for Treatment of a Terminal Condition

§ 33-24-59.19. Coverage for Treatment of Burns With Skin Substitutes Utilizing Cryopreserved Cadaver Derived Skin Tissue

§ 33-24-59.20. Access to Stage Four Advanced, Metastatic Cancer Treatments in Health Benefit Plans

§ 33-24-59.21. Health Plans to Provide Coverage for Hearing Aids for Certain Individuals; Frequency of Replacement; Coverage of Services and Supplies; Options for Higher Priced Devices

§ 33-24-59.22. Prescription Drug Program Defined; Cost Sharing; Denial of Coverage; Dispensing Fees

§ 33-24-59.23. Carrier Issuing Health Benefit Plans to Pay Insurance Agent’s Commissions; Regulation

§ 33-24-59.24. Restrictions on Payment Methods Prohibited; Waiver of Provisions Prohibited; Enforcement

§ 33-24-59.25. Establishment by Health Benefit Plans of Step Therapy Protocols; Exception Process; Time Requirements; Appeals; Construction; Application

§ 33-24-59.26. Limitation on Definition of “Preexisting Condition”

§ 33-24-59.27. Right to Shop for Insurance Coverage; Disclosure of Pricing Information; Notice

§ 33-24-59.28. Insurer Obligations for Early Prescription Refills During Emergencies

§ 33-24-59.29. Copayments

§ 33-24-59.30. Requirements for Health Insurance Issuer for Anatomical Gifts or Organ Transplants; Medically Inappropriate Organ Transplants

§ 33-24-59.31. When a Value-Added Product or Service Is Not an Unfair Trade Practice or Unlawful Inducement

§ 33-24-59.32. Cost-Sharing Requirements for Diagnostic and Supplemental Breast Screening Examinations