Florida Administrative Code, Division 69O

What this document is

Florida Administrative Code, Division 69O: chs. 69O-123 (Civil Remedy), 69O-124 (Anti-Coercion), 69O-125 (Unfair Discrimination), 69O-142 (Insurer Conduct), 69O-153 (Deceptive Insurance Practices), 69O-189 (Workers' Compensation), 69O-196 (Premium Finance Companies), 69O-215 (Agents), 69O-220 (Adjusters), 69O-228 (Continuing Education), 69O-230 (General Ethics and Disclosure Requirements) and 69O-231 (Penalty Guidelines for Insurance Representatives) (98 rules, 69O-123.001-69O-231.160) is a regulation published by Florida Department of State, Division of Library and Information Services (flrules.org) -- official Florida Administrative Code. It is one of the Florida documents that insurance license exam questions are written from, including florida property & casualty, florida claims adjuster practice questions. This page summarizes it and points to the official version, which is the text to rely on.

Sections cited in practice questions

Each practice answer shows the exact passage it comes from. These are sections of this document that questions cite, with a short excerpt from the source text.

• Fla. Admin. Code R. 69O-125.004(3)(d) and (e) (Credit Report Use and Disclosure in Consideration of Insurance Applications; Written Procedures)

  “(d) That the decision to request a credit report will not be made based upon race, color, creed, marital status, sex, or national origin of the applicant; and, (e) That any applicant that is affected by an adverse underwriting decision as defined in this rule shall be advised of the means by which...”

• Fla. Admin. Code R. 69O-189.010(1) and (2) (Workers’ Compensation Insurance Dividend Plans Defined)

  “(1) An insurer, in order to avoid policy and advertising misrepresentation as set forth in section 626.9541(1), F.S., shall not include an estimated amount of dividend which may be received, in the calculation of premium on proposals for workers’ compensation insurance in the State of Florida. (2)...”

• Fla. Admin. Code R. 69O-125.001(1) (Unfair Discrimination Because of Sex or Marital Status)

  “(1) No insurer nor person authorized to engage in the business of insurance in the State of Florida shall refuse to issue any policy, contract or certificate of insurance of annuity contract or shall cancel or decline to renew any policy, contract or certificate of insurance or annuity contract...”

• Fla. Admin. Code R. 69O-142.015(2)(d) (Standardized Requirements Applicable to Insurers After Hurricanes or Natural Disasters; Postponement of Cancellations)

  “(d) During the dates specified in the Order, no insurer or other entity regulated under the Florida Insurance Code shall cancel or non-renew, or issue a notice of cancellation or nonrenewal of a policy or contract of insurance covering a property or risk in the referenced areas as specified in the...”

• Fla. Admin. Code R. 69O-196.021(1) (Disclosure Requirements for Insurance Coverages Financed With Personal Injury Protection)

  “(1) Whenever motor vehicle insurance is financed, the agent shall disclose at the time of sale any coverages financed with personal injury protection other than property damage liability, bodily injury, collision, uninsured motorist, or comprehensive coverage for damage of or loss to the vehicle.”

• Fla. Admin. Code R. 69O-230.033(3)(a) (Reporting Requirements for Licensees Concerning Unlicensed Insurance Activity; Information Required to Be Reported)

  “(a) Any agent, third party administrator or insurer with knowledge of an unlicensed insurer doing business in the State of Florida, shall report the activities of the unlicensed insurer to the Office and, if known, shall provide the following information:”

• Fla. Admin. Code R. 69O-196.010(2)(b) (Refunds; The Agent's Return of Unearned Premium and Unearned Commission)

  “(b) Within 15 days of receipt of the notification as outlined above and the receipt or credit of any unearned premium, the agent shall return the unearned premium including any unearned commission or other funds due the insured or, with written approval of the insured, apply the unearned premium...”

• Fla. Admin. Code R. 69O-142.015(1)(b) (Standardized Requirements Applicable to Insurers After Hurricanes; Claims Reporting Coverages)

  “(b) All insurers having direct premiums written in Florida and authorized, approved or otherwise eligible to provide the coverages indicated below in subparagraphs (1)(b)1. and 2., shall report the requested information to the Office. The reporting shall be submitted with such frequency and for...”

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Questions about this source

More Florida sources

• Florida Administrative Code, Division 69O (Office of Insurance Regulation): chs. 69O-166 (Property and Casualty Insurer Practices), 69O-167 (Property and Casualty Insurance Contracts), 69O-170 (Property and Casualty Insurance Rating), 69O-175 (Motor Vehicle Insurance) and 69O-176 (Motor Vehicle Insurance Requirements), 87 of the 89 rules the publisher lists (the two omitted are 69O-170.021 and 69O-170.022, transferred stubs whose .doc file holds a title and nothing else) (87 rules, 69O-166.021-69O-176.022)Regulation
• Florida Statutes s. 626.112 - License and appointment requiredState statute
• Florida Statutes s. 626.2815 - Continuing education requirementsState statute
• Florida Statutes s. 626.611 - Grounds for compulsory refusal, suspension, or revocation of licenseState statute
• Florida Statutes s. 626.621 - Grounds for discretionary refusal, suspension, or revocation of licenseState statute
• Florida Statutes s. 626.641 - Duration of suspension or revocation of licenseState statute
• Florida Statutes s. 626.7451 - Managing general agents; required contract provisionsState statute
• Florida Statutes s. 626.9521 - Unfair methods of competition; prohibited; penaltiesState statute