Sec. 38a-292. Electronic posting of insurance policies. Regulations.
Sec. 38a-292. Electronic posting of insurance policies. Regulations. (a) Notwithstanding any provision of this title, except as provided in subsections (b) and (c) of this section and section 38a-477d, an insurer may post on such insurer's Internet web site any policy, as defined in section 38a-296, and any endorsement thereto in lieu of mailing or delivering such policy or endorsement to an insured, provided such policy or endorsement does not contain any personally identifiable information.
(b) If such insurer elects to post such policy or endorsement on such insurer's Internet web site in lieu of mailing or delivering such policy or endorsement to an insured pursuant to subsection (a) of this section, such insurer shall:
(1) Obtain the insured's agreement to receive such policy or endorsement on such insurer's Internet web site;
(2) Post and have accessible on such insurer's Internet web site such policy and any endorsement for as long as such policy is in force and in such manner that enables the insured to save and print such policy and any endorsement using programs or applications that are readily available on the Internet and for which there is not a fee;
(3) Retain, upon the expiration of a policy, records of such expired policy and any endorsement thereto for a period of five years after the date of such expiration and make such records available upon request;
(4) Provide to the insured in, or simultaneous with, each declarations page provided to the insured at the time of issuance of the initial policy and any renewals of such policy (A) a description of the specific policy and any endorsement thereto purchased by the insured, (B) a method by which the insured may obtain, free of charge upon request, a paper copy of the policy and any endorsement thereto, and (C) the Internet web site address where such insured's policy and any endorsement are posted;
(5) Provide notice to the insured, at the time of any changes to the policy or endorsement, of a method by which the insured may obtain, free of charge upon request, a paper copy of the policy and any endorsement thereto and any changes to such policy or endorsement; and
(6) Provide notice to the insured that such insured may, at any time, submit a request to the insurer to opt out of electronic delivery of such insured's policy and any endorsement thereto.
(c) If an insured does not agree to electronic delivery or submits a request to the insurer to opt out of electronic delivery of such insured's policy and any endorsement thereto, such insurer shall mail or deliver a paper copy of such policy and any endorsement and any changes to such policy or endorsement to such insured in lieu of posting on such insurer's Internet web site any such policy or endorsement as set forth in subsections (a) and (b) of this section.
(d) The Insurance Commissioner may adopt regulations, in accordance with the provisions of chapter 54, to implement the provisions of this section.
(P.A. 25-87, S. 1.)
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