Selected Opinions of The Office of General Counsel For The Year of 2002

The selected opinions are listed in the table below in Opinion Number order.
There are three columns. The column headings are Opinion Number, Subject and Date Issued.
The Opinion Number represents the year, the month, and then the order posted. For example, in 06-04-15 the "06" represents 2006, the "04" represents April, and the "15" refers to the 15th opinion for April 2006. Opinions within a particular month are not necessarily in chronological order.
Each opinion title under Subject is a link to the actual opinion.
Date Issued is displayed in mm/dd/yyyy format.
You can "jump" to a particular month using the month navigation link set after (below) this sentence.

Opinion Number	Subject	Date Issued
02-01-01	Recordkeeping under Third Amendment to Regulation 29	01/02/2002
02-01-02	Fee Sharing Arrangements	01/02/2002
02-01-03	Licensing Requirements for Unauthorized Insurers	01/02/2002
02-01-04	No-Fault NF-10 Forms	01/03/2002
02-01-05	Payment of Premium to Insurance Agent or Broker	01/04/2002
02-01-06	Notice of Cancellation/Service Fees	01/04/2002
02-01-07	Life Insurance Company Guaranty Corporation of New York	01/07/2002
02-01-08	Bonus Compensation Paid to Employees of Insurers	01/07/2002
02-01-09	Mortgage Guaranty Insurance	01/09/2002
02-01-10	Residential Mortgage Lenders	01/09/2002
02-01-11	Empire Zones and Zone Equivalent Areas	01/09/2002
02-01-12	Employee Group Health Insurance Coverage	01/09/2002
02-01-13	Prompt Pay	01/09/2002
02-01-14	Credit Card Bond	01/10/2002
02-01-15	Regulation 121-Tail Coverage	01/10/2002
02-01-16	Licensing of Bail Bond Supervisor	01/11/2002
02-01-17	Settlements of Automobile Physical Damage Insurance Claims and Allowable Deductions under N.Y. Comp. Codes R. & Regs. tit. 11, 216.0- 216.12 (2001)(Regulation 64)	01/11/2002
02-01-18	N.Y. Ins. Law 3224-a(b) "Receipt of Claim"	01/14/2002
02-01-19	Fidelity and Surety Insurance	01/14/2002
02-01-20	N.Y. Ins. Law 6409(d): Title Insurance Joint Venture	01/14/2002
02-01-21	Available claims history with "community rated" health insurance policies	01/15/2002
02-01-22	Cancellation of a Commercial Risk Insurance Policy Based on the Insureds Filing for Bankruptcy Under Chapter 11	01/16/2002
02-01-23	Reinsurance/Workers" Compensation "carve-out"	01/17/2002
02-01-24	Issuance of Mandatorily Exchangeable Preferred Stock	01/23/2002
02-01-25	Filing Requirements for Private Placement of Surplus Notes	01/23/2002
02-01-26	Estimate of Premium Increase in a Conditional Renewal Notice Under Section 3426	01/24/2002
02-01-27	Out of State Exposures	01/24/2002
02-01-28	New York Changes in Business Auto Coverage Forms	01/24/2002
02-01-29	Agents Right to Request Nonpayment Cancellation	01/24/2002
02-01-30	N.Y. Comp. Codes R. & Regs. tit. 11, 420.0-420.24 (2001) (Regulation 169) and Charitable Annuity Societies	01/25/2002
02-01-31	Executive Officer Compensation	01/25/2002
02-01-32	Insurance Compliance Self-Evaluative Privilege	01/25/2002
02-01-33	N.Y. Ins. Law 3224-a(b) "Receipt of Claim"	01/28/2002
02-01-34	No-Fault Claims Adjusting and N.Y. Comp. Codes R. & Regs. tit. 11, 420.0-420.24 (2001) (Regulation 169)	01/28/2002
02-01-35	Kidnap and Ransom Insurance	01/30/2002
02-01-36	Use of Title Insurer Mandated by Lender	01/31/2002
02-01-37	Renewal of Life and Accident and Health Insurance Agents License	01/31/2002
02-01-38	Estimate of Premium Increase in a Conditional Renewal Notice Under Section 3426	01/24/2002

02-02-01	Insurance law Article 77 and Life Insurance Company Guaranty Corporation of New York ("LICGC")	02/01/2002
02-02-02	No-Fault Arbitration: Decedent Healthcare Providers	02/04/2002
02-02-03	No-Fault Billings, Independent Contractors	02/05/2002
02-02-04	Incontestability of Individual Life Insurance Policies and Individual Long Term Care Insurance Policies	02/06/2002
02-02-05	Managing Another Office	02/07/2002
02-02-06	Automobile Insurance and Discrimination in Underwriting	02/07/2002
02-02-07	Business SUM Coverage	02/08/2002
02-02-08	Activities of bail bond supervisor regarding licensing	02/11/2002
02-02-09	Wholesale Insurance Broker Fees	02/12/2002
02-02-10	NYAIP Service Fees	02/12/2002
02-02-11	Minimum automobile insurance requirements	02/12/2002
02-02-12	Use of Credit Card for Payment of Premium - N.Y. Ins. Law 4224(b)(1) (McKinney 2000)	02/12/2002
02-02-13	Extended Warranties and Home Warranties	02/12/2002
02-02-14	Home Health Care Service/Durable Medical Equipment Contracts	02/13/2002
02-02-15	Compliance with N.Y. Comp. Codes R. & Regs. tit. 11, 420.0-420.24 (2001) (Regulation 169)	02/14/2002
02-02-16	Property/Casualty Insurance Policy Form Endorsements	02/14/2002
02-02-17	Alternative Renewal Notice Under N.Y. Ins. Law Section 3426	02/14/2002
02-02-18	Insurance Fraud Prevention: Satisfying Regulation 95 Requirement that Insurers Develop Public Awareness Programs	02/14/2002
02-02-19	Guaranteed Minimum Income Benefit and N.Y. Ins. Law 4240(d) (McKinney 2000)	02/15/2002
02-02-20	Regulation 169 and Privacy of Consumer Financial Information/Opt out requirements	02/15/2002
02-02-21	Fraud Warning Statement on Applications for Personal Auto Insurance	02/15/2002
02-02-22	Insurance Consultant; N.Y. Ins. Law 2107 (McKinney 2000)	02/15/2002
02-02-24	Health Insurance Coverage of Domestic Partners	02/19/2002
02-02-25	Viatical Settlement, Definition of "Viator"	02/19/2002
02-02-26	Unearned Premium Reserve Requirement for Bail Bond Insurers	02/20/2002
02-02-27	Shelf Registration and N.Y. Ins. Law 1204 (McKinney 2000)	02/21/2002
02-02-28	Tier movement under automobile insurance policy with a three year required policy period	02/21/2002
02-02-29	Viatical Settlements, Licensing Requirements	02/21/2002
02-02-30	Applicability of Regulation 62 and Regulation 123 Requirements	02/22/2002
02-02-31	Reinsurance Agreements That Cover Extra Contractual Obligations	02/26/2002
02-02-32	Replacing logo on application form for property/casualty insurance	02/27/2002
02-02-33	Health Insurance for Small Businesses	02/27/2002
02-02-34	Conditional Gap Waiver Provision in a Lease Agreement	02/27/2002
02-02-35	Alliance between Insurance Agency and Mortgage Brokerage	02/26/2002
02-02-36	Financial Guaranty Insurance Policy; SPV	02/15/2002

02-03-01	Life Settlements, Licensing Requirements	03/01/2002
02-03-02	Disclosure of Nonpublic Personal Health Information and Regulation 169	03/04/2002
02-03-03	Assets of Insurers	03/04/2002
02-03-04	Liability of Board Members for a Not-for-Profit-Corporation	03/06/2002
02-03-05	Glass Claims	03/06/2002
02-03-06	Multiple Employer Welfare Arrangements (MEWA)	03/07/2002
02-03-07	Insurance Coverage of a Livery Vehicle	03/07/2002
02-03-08	Minimum Earned Premiums	03/08/2002
02-03-09	N.Y. Comp. Codes R. & Regs. tit. 11, 420.17 (2001) (Reg. 169	03/08/2002
02-03-10	No-fault fees; Independent Contractor/Professional Corp	03/11/2002
02-03-11	Licensing of Unauthorized Insurers as Independent Adjusters in New York	03/11/2002
02-03-12	Licensing of an Insurance Broker as an Insurance Agent	03/11/2002
02-03-13	Licensing as an Adjuster	03/14/2002
02-03-14	Conditional Renewal Notices	03/14/2002
02-03-15	Cancellation of Commercial Liability Insurance Policy Under N.Y. Ins. Law 3426	03/15/2002
02-03-16	Health Insurance, Continuation and Conversion Benefits	03/18/2002
02-03-17	Notice Requirements for Voluntary Market Noncommercial Private Passenger Automobile Policy Cancellation by Insurer or Premium Finance Agency	03/18/2002
02-03-18	Commercial Property and Casualty Insurance Written Through the Excess Line Market and N.Y. Ins. Law 3426	03/21/2002
02-03-19	Agents Interest Bearing Premium Account	03/21/2002
02-03-20	N.Y. Ins. Law 6409(d): Title Insurance Joint Venture	03/21/2002
02-03-21	Service Contract Reimbursement Insurance	03/22/2002
02-03-22	Anti-theft program	03/25/2002
02-03-23	Receipt of Insurance Brokers Future Commissions by Unlicensed Executor	03/25/2002
02-03-24	Compliance with Privacy Regulations 169 and 173	03/26/2002
02-03-25	Home Warranty Association	03/26/2002
02-03-26	Minimum and Deposit Premium	03/27/2002
02-03-27	Proposed Fertility Warranty Agreement	03/27/2002
02-03-28	Personal Automobile Proposed Underwriting Restriction	03/27/2002
02-03-29	Open Cargo Insurance Policy	03/07/2002

02-04-01	Notice of Settlement Under Regulation 64	04/01/2002
02-04-02	Standards for Safeguarding Customer Information and Regulation 173	04/02/2002
02-04-03	Non-domiciliary New York Licensee and Compliance with N.Y. Comp. Codes R.& Regs. tit. 11, 420, 421 (2002)	04/02/2002
02-04-04	Bank Issuance of Debt Suspension and Debt Cancellation Contracts in connection with its Customers Credit Card Account at the Bank	04/02/2002
02-04-05	Doing business as a trade-name	04/03/2002
02-04-06	General Agent Compensation Plan	04/03/2002
02-04-07	Stop-Loss Insurance, Discriminatory Attachment Point	04/03/2002
02-04-08	Bail Bonds	04/05/2002
02-04-09	Nonpublic Personal Health Information (Regulation 169)	04/05/2002
02-04-10	Conditional Renewal Notices	04/08/2002
02-04-11	Regulation 79 and Waivers of Mandatory Inspection Requirements	04/08/2002
02-04-12	Salaried Employees of Holding Co. Adjusting Claims on Behalf of Insurers	04/08/2002
02-04-13	Derivative Investments by an Accredited Reinsurer	04/09/2002
02-04-14	Audit of Health Insurance Claims	04/10/2002
02-04-15	N.Y. Ins. Law 1201(a)(5)(B)(vi) (McKinney 2000) New York State Residence and United States Citizenship Requirements for Directors	04/10/2002
02-04-16	Non-Resident License for Out-of-State Licensed Life Insurance Agent	04/10/2002
02-04-17	Regulation 169 Privacy Notice	04/10/2002
02-04-18	Insurance Agents Entitlement to Commissions	04/11/2002
02-04-19	No-Fault Insurer Medical Examinations	04/12/2002
02-04-20	Named Driver Exclusions in Commercial Auto Liability Policy	04/15/2002
02-04-21	Guidelines for the Writing of Individual Policies in the Payroll Deduction Market	04/15/2002
02-04-22	Insurers Anti-Fraud Public Awareness Programs: Satisfying Regulation 95	04/16/2002
02-04-23	Terrorism exclusions in excess line policies	04/19/2002
02-04-24	Sale of Etching Program With Insurance	04/23/2002
02-04-25	License Requirement for Premium Collection within New York State	04/24/2002
02-04-26	Health service billings by medical professional corporations	04/24/2002
02-04-27	Exemption of Annuity Contract Proceeds from Creditors N.Y. Ins. Law 3212(d)	04/15/2002
02-04-28	Suspected Insurance Fraud by a Licensed Insurance Broker	04/15/2002
02-04-29	Prepaid Health Service Plan, Regulation of Privacy	04/24/2002
02-04-30	General Liability Insurance Policy, Exclusion for Liquor Liability	04/25/2002
02-04-31	Investment Rules Under N.Y. Ins. Law 1404	04/26/2002
02-04-32	Brokers" Commissions/Rebating and Discrimination	04/29/2002
02-04-33	Sale of life insurance	04/29/2002
02-04-34	Calculation of Total Loss Payments and Regulation 64	04/30/2002
02-04-35	Application of Pre-existing Condition Clauses in Group Disability Insurance Policies	04/30/2002
02-04-36	Community Rating of Association Groups	04/30/2002

02-05-01	Third Party Liability Claims and N.Y. Comp. Codes R. & Regs. tit. 11, 216.0-216.12 (Regulation 64) (2001)	05/01/2002
02-05-02	Home Equity Protection Program	05/01/2002
02-05-03	Proposed Title Insurance Business Arrangement	05/02/2002
02-05-04	Debt Cancellation Agreements	05/03/2002
02-05-05	N.Y. Ins. Law 3425(j)- New Business Acceptance Requirements	05/06/2002
02-05-06	Insurers Payment Of Bonuses To Agents, General Agents,And Brokers For The Sale Of Group Insurance	05/08/2002
02-05-07	Agent Licensing for Overseas Reinsurer	05/10/2002
02-05-08	Monies Collected By An Insurance Agent/Administrator From Employers In Connection With A Group Health Insurance Plan	05/10/2002
02-05-09	Insurance Law 1413(a)- Substantial Compliance	05/10/2002
02-05-10	New York State Insurance Department Regulation for Disclosure of Policy Limits	05/10/2002
02-05-11	Service Contracts And Warranties For A Fee And New Yorks Lemon Laws	05/10/2002
02-05-12	Non-commercial Pet Insurance	05/10/2002
02-05-13	Limited Liability Company And Licensing As Broker	05/13/2002
02-05-14	Credit Life Insurance	05/13/2002
02-05-15	Effective Date of N.Y. Ins. Law 1113(a)(16)(D)	05/14/2002
02-05-16	Group Health Insurance, Continuation and Conversion Requirements	05/14/2002
02-05-17	N.Y. Ins. Law 2324(a) (McKinney 2001-2002 Interim Pocket Part) And Free Phone Card	05/14/2002
02-05-18	Service Contracts / Risk Retention Groups	05/17/2002
02-05-19	Terrorism Exclusions in Excess Line and Free Trade Zone Policies	05/17/2002
02-05-20	Prepaid Medical Services Plan	05/17/2002
02-05-21	Life Insurance Company Guaranty Corporation of New York Act	05/20/2002
02-05-22	Internet Web Site Of A Corporate Life Insurance Agent	05/28/2002
02-05-23	Surety Company Insuring Bank against Risk of Non-performance by Developer	05/29/2002
02-05-24	The Fund	05/29/2002
02-05-25	Insurance Coverage of Intentional Criminal Acts	05/30/2002
02-05-26	Sale of life insurance and or long-term care insurance	05/01/2002
02-05-27	Credit Unions Income from Joint Marketing Agreements	05/01/2002

02-06-01	Third Party Administrator Workers Compensation Claims	06/03/2002
02-06-02	Viatical Settlement Companies and Viatical Settlement Brokers, and Regulation 173	06/03/2002
02-06-03	Licensing/Registration Requirements for Service Contract Providers	06/03/2002
02-06-04	Minimum and Deposit Premium	06/04/2002
02-06-05	Licensing Requirements for Persons Who Market Health Insurance in New	06/04/2002
02-06-06	Policy Record Retention Requirements & Regulation 152	06/05/2002
02-06-07	Group Policyholders and N.Y. Comp. Codes R. & Regs. tit. 11, 420.0-420-24 (2001) (Regulation 169)	06/05/2002
02-06-08	Follow-up to Fertility Warranty Agreement Opinion	06/05/2002
02-06-09	Employer Sponsored Group Accident & Health Insurance	06/05/2002
02-06-11	Reinsurance and N.Y. Ins. Law 4228(h) (McKinney 2000)	06/05/2002
02-06-12	Premium Acceptance by PA Insurer and PA Agent	06/07/2002
02-06-13	Interest on Premium Trust Funds Received by an Insurance Broker	06/11/2002
02-06-14	The Property/Casualty Insurance Security Fund & Vicarious Employment Practices Liability	06/11/2002
02-06-15	Financial Responsibility Requirements Under N.Y. Ins. Law 7903 (McKinney 2000) and Regulation 155	06/11/2002
02-06-16	Bail Bond Insurers and Disclosure of Nonpublic Personal Financial Information Under Regulation 169	06/11/2002
02-06-17	Credit Union Agent Licensing	06/11/2002
02-06-18	Safety Group Dividend Plans and Regulation 135	06/12/2002
02-06-20	Savings Clause in a Reinsurance Agreement	06/13/2002
02-06-21	Gap Waivers and "Direct Loans"	06/14/2002
02-06-22	Credits Applied for Insurance Cost on Construction Bids	06/17/2002
02-06-21	Claims Submitted by Physicians	06/17/2002
02-06-23	Surety Bonds	06/18/2002
02-06-24	Licensees Release of Health Information to Non-Affiliated Broker	06/18/2002
02-06-25	Insurance Commissions to Agent	06/20/2002
02-06-26	Construction of N.Y. Ins. Law 3425(j)(1)(A	06/21/2002
02-06-28	Document Retention by Insurance Brokerage	06/25/2002
02-06-29	Group Long Term Disability Income Insurance Reduction in Benefits N.Y. Ins. Law 3221 (McKinney 2000 and Supp	06/26/2002
02-06-30	Replacement of a Variable Annuity as defined under N.Y. Comp. Codes R. & Regs. tit. 11, 51.2(a) (1998) (Regulation 60)	06/26/2002
02-06-31	Licensing a Federally Chartered Production Credit Association as a Non-Resident Insurance Agency	06/26/2002
02-06-32	N.Y. Ins. Law 3425(f) Non-renewal of Automobile Insurance Policies before and after August 2, 2001	06/27/2002
02-06-33	Debt Cancellation Lender/Creditor Insurance	06/27/2002

02-07-01	N.Y. Comp. Codes R. & Regs. tit. 11 420.17(b) Exceptions (Reg. 169)	07/01/2002
02-07-02	Premium Increase by Unauthorized Insurer	07/02/2002
02-07-03	Commercial Insurance and Compliance with Regulation 169	07/02/2002
02-07-04	Termination of Producer Agreement	07/09/2002
02-07-05	Life Insurance Company Guaranty Corporation of New York Long Term Care Policy	07/09/2002
02-07-06	Proposed Issue or Sale in New York of Medical and Hospital Insurance Policies to Peruvians residing in New York State for the Benefit of Their Immediate Family Members Living in Peru	07/09/2002
02-07-07	Utilization Review Companys Licensing as an Independent Adjuster in New York	07/09/2002
02-07-08	Life Insurance Corporate Governance	07/11/2002
02-07-09	Storage Costs of Motor Vehicle Damaged in Accident	07/15/2002
02-07-10	Emergency Department Treatment, Health Insurance Coverage	07/17/2002
02-07-11	Health Insurance Coverage, Organ Donors	07/17/2002
02-07-12	Health Maintenance Organizations ("HMO") and Agents Commissions	07/17/2002
02-07-13	Service Contracts	07/18/2002
02-07-15	Terrorism Exclusions in Commercial Umbrella Policies	07/19/2002
02-07-16	Terrorism Exclusions in General Liability Insurance Policies	07/19/2002
02-07-17	Terrorism Exclusions Under Property/Casualty Policy Covering Both New York and Non-New York Exposures, Issued In Or Out Of State	07/19/2002
02-07-18	Terrorism Exclusions Under Property/Casualty Policy Covering Both New York and Non-New York Exposures	07/19/2002
02-07-19	Parental Access to Insurance Records Concerning Childs Medical Treatment	07/22/2002
02-07-20	Mold Exclusions in Free Trade Zone Policies	07/23/2002
02-07-21	Private Passenger Automobile Liability Insurance Coverage for a Non-Owned Automobile	07/24/2002
02-07-22	Prompt Pay	07/24/2002
02-07-23	Payment of Insurance Settlement	07/24/2002
02-07-24	Omnibus Crime Bill of 1994, 18 U.S.C.A. 1033(e)	07/24/2002
02-07-25	Filing Requirements of Regulation 173	07/25/2002
02-07-26	New York Statutory Excess Medical Malpractice Insurance Coverage	07/25/2002
02-07-27	New York Insurance Law Requirements for a Collection Agency Working on Behalf of an Insurer	07/29/2002
02-07-28	Record Retention Requirements	07/30/2002
02-07-29	Unauthorized Accident and Health Reinsurer Assuming Statutory Workers Compensation Risks	07/31/2002
02-07-30	Regulation 169 and Privacy Protection for Minors	07/31/2002

02-08-01	Service Requirements for Notice of Cancellation of Insurance Policies Subject to N.Y. Ins. Law 3426	08/05/2002
02-08-02	Promotional Discounts	08/05/2002
02-08-03	Premium Rates for Executors Bonds	08/05/2002
02-08-04	Conditional Renewal of a Commercial Lines Policy	08/05/2002
02-08-05	Service Contracts & Compliance With Article 79	08/06/2002
02-08-06	N.Y. Comp. Codes R. & Regs. tit. 11, 421.0-421.10 (2002) (Regulation 173) and Nonpublic Personal Health Information	08/06/2002
02-08-07	Cancellation of Commercial Risk Insurance Policies	08/06/2002
02-08-08	Waiver of Premium	08/07/2002
02-08-09	N.Y. Ins. Law 3425(d)(1)- Valid Nonrenewal	08/07/2002
02-08-10	Insurance Agents & Service Fees for Electronic Funds Transfers ("EFTs")	08/08/2002
02-08-11	Mail Order Exception N.Y. Ins. Law 1101(b)(2)(D) (McKinney Supp. 2002)	08/13/2002
02-08-12	Accident & Health Insurance, Workers Compensation Offset	08/15/2002
02-08-13	Stop Loss Insurance of Self-Funded Employee Welfare Benefit Plans	08/15/2002
02-08-14	Licensing Requirements For Common Carrier Self-Insurer	08/15/2002
02-08-15	Independent Adjusters	08/16/2002
02-08-16	Operation of a Motor Vehicle with an Expired Registration	08/19/2002
02-08-17	Funding Agreement Backed Securitization Program	08/19/2002
02-08-18	Securities Leasing/Lending	08/19/2002
02-08-19	Termination of Health Insurance Policy	08/20/2002
02-08-20	Electronic Transmission of Notices of Cancellation to Mortgagees	08/22/2002
02-08-21	Regulation 169 and Doctors Release of Patient Information to its Insurer and Attorney	08/27/2002
02-08-22	N.Y.S. Guaranty Fund- Group Health Plans	08/27/2002
02-08-23	Premium Increase Estimate of Conditional Renewal Notice Subject to Section 3426	08/28/2002
02-08-24	NY Ins. Law 2324 and 4224 - Inducement to Purchase Insurance	08/30/2002

02-09-01	Homeowners Policy Inclusion of Workers Compensation and Employers Liability Coverage	09/04/2002
02-09-02	Assignment of No-Fault benefits to a doctor from an eligible injured person	09/04/2002
02-09-03	Stop-Loss Insurance Provider in Rehabilitation & Insured's Dishonored Claims	09/05/2002
02-09-04	Proposed Financing Arrangement and the CAPCO Statute	09/05/2002
02-09-05	Bail bond collateral held out-of-state	09/06/2002
02-09-06	Rebates of Insurance Premiums	09/06/2002
02-09-07	Group Independent Contractor Work Accident Insurance, Subrogation Clause and N.Y. Ins. Law 3221(McKinney 2000 and Supp. 2002)	09/13/2002
02-09-08	Use of Credit Card to Pay Insurance	09/13/2002
02-09-09	Mammography Screening	09/18/2002
02-09-10	Health Insurance Coverage of Adopted Child	09/18/2002
02-09-11	Foreign Investment Adviser Managing General	09/18/2002
02-09-12	Public Adjusters Compensation Agreement	09/19/2002
02-09-13	Sale of insurance with assistance of non-licensed person	09/20/2002
02-09-14	Agents for title insurance	09/20/2002
02-09-15	Licensing Requirements for Health Insurance Adjusters	09/20/2002
02-09-16	Cancellation of Workers" Compensation Insurance	09/23/2002
02-09-17	Permissible Rebating on Ocean Marine Insurance	09/23/2002
02-09-18	Services of an Assistant Surgeon	09/23/2002
02-09-19	Records Retention by Insurance Brokers the Use of Document Imaging Technology for Storage Purposes	09/23/2002
02-09-20	Self-Funded Health Plan, Exemption from Insurance Law Requirements	09/23/2002
02-09-21	Multiple Employer Welfare Arrangement, Evasion of Community Rating Requirement	09/24/2002
02-09-22	Gap Waivers and "Direct Loans"	09/24/2002
02-09-23	Accident & Health Insurance, Time Limits on Appeal	09/24/2002
02-09-24	No-Fault Medical Fees	09/25/2002
02-09-25	Reason for non-renewal N.Y. Ins. Law 3425(d)(1) (McKinney Supp. 2000)	09/30/2002

02-10-01	Hospital Billing Under No-Fault	10/01/2002
02-10-02	Guaranteed Price Refund Agreements	10/01/2002
02-10-03	Use of Credit Cards to Pay Insurance Premiums	10/02/2002
02-10-04	Licensing of Limited Liability Companies	10/02/2002
02-10-05	Group Health Insurance Policy, Coverage of Grandchildren	10/02/2002
02-10-06	NY Insurance Law 2120 and Regulation 29	10/04/2002
02-10-07	Excess Line Premium Tax and Stamping Fee	10/07/2002
02-10-08	Assignment of Financed Insurance Premiums to Bank	10/09/2002
02-10-09	Surety Bonds as Insurance Contracts	10/10/2002
02-10-10	Interest on Proceeds of Life Insurance Policy when Beneficiary is a Minor	10/10/2002
02-10-11	Return of Unearned Premiums Upon Cancellation of Premium-Financed Policy	10/11/2002
02-10-12	Compensating Unlicensed Individuals for Referrals	10/11/2002
02-10-13	Applicability of Article 79 of the New York Insurance Law and Regulation 155 to Home Warranties	10/15/2002
02-10-14	EUO Standards Under No-Fault	10/15/2002
02-10-15	Maintenance of a Dentist's Notes Concerning Care for Patients in a Computer Rather than on a Handwritten Chart	10/15/2002
02-10-16	Bail bonds	10/15/2002
02-10-17	Third Party Administrator Adjusting Claims	10/16/2002
02-10-18	Compliance with the insurance certificate requirements of N.Y. Ins. Law 3221(a)(6) by the use of electronic media by Life Insurers	10/21/2002
02-10-19	Life Insurance Company Compliance with the Insurance Certificate Requirements of N.Y. Ins. Law 3221(a)(6) by the Use of Electronic Media	10/21/2002
02-19-20	Exemption of Annuity Contract Proceeds from Creditors N.Y. Ins. Law 3212(d)	10/22/2002
02-10-21	Abstract companies and title insurance business	10/22/2002
02-10-22	Regulation 68 Effective Dates	10/22/2002
02-10-23	Cancellation and Renewal Provisions	10/23/2002
02-10-24	Tail Coverage for Medical Malpractice Insurance	10/23/2002
02-10-25	Homeowners Liability Coverage on Secondary Residence Located in a State where the Insurer is not Licensed	10/23/2002
02-10-26	Charitable Grants for Mental and Physical Health Programs	10/29/2002
02-10-27	Permissibility of Self-Procurement of Property Insurance from Parents Captive Located and Regulated in Foreign Country	10/30/2002
02-10-28	Sharing Commissions	10/30/2002
02-10-29	Offset of disability retirement benefits against group long term disability insurance	10/30/2002
02-10-30	N.Y. Ins. Law 7903 and 5913 and Risk Retention Groups	10/30/2002
02-10-31	Employer Sponsored Group Health Insurance	10/31/2002
02-10-32	Risk Retention Group & Commercial Automobile Liability Insurance	10/31/2002
02-10-33	Managing General Agent ("MGA")	10/31/2002

02-11-01	Offshore Preferred Shares	11/12/2002
02-11-02	Pay-As-You-Drive Automobile Insurance	11/12/2002
02-11-03	Excess Financial Guaranty Insurance	11/12/2002
02-11-04	Registration Requirements for Service Contract Administrators	11/12/2002
02-11-05	Excess Financial Guarantee Insurance	11/13/2002
02-11-06	ABC Bureau Membership Requirement and N.Y. Ins. Law 3425(g) (McKinney 2002)	11/13/2002
02-11-07	Fees to an Association for a Membership List	11/13/2002
02-11-08	Nonrenewal of Commercial General Liability Policy	11/13/2002
02-11-09	Unauthorized Alien Insurers Office	11/14/2002
02-11-10	Formation of Company to Conduct Business in New York as Title Agent	11/14/2002
02-11-11	Medical Examinations and Accepting Premium Payments	11/14/2002
02-11-12	Terrorism exclusions in inland marine jewelers block insurance policies	11/14/2002
02-11-13	Exclusions and Sublimits for Acts of Terrorism in Fire Policy	11/14/2002
02-11-14	Terrorism Exclusions for Event Cancellation and Non-appearance Insurance Coverages	11/14/2002
02-11-15	Homeowner Environmental Protection Insurance Policy	11/14/2002
02-11-16	N.Y. Ins. Law 403 (McKinney 2000) Civil Penalties	11/14/2002
02-11-17	Extra-contractual obligations and reinsurance contracts	11/18/2002
02-11-18	Sharing Commissions with Unlicensed Individuals for Referrals	11/20/2002
02-11-19	Recovery of Workers Compensation Loss Award Under No-Fault	11/22/2002
02-11-20	ABC Home Care Services, Inc.	11/22/2002
02-11-21	Financial Security requirements Combined Single Limits Policy	11/25/2002
02-11-22	Licensing Requirements to Sell HMO Policies to Filipino Residents	11/25/2002
02-11-23	Association Group Life Insurance	11/26/2002
02-11-24	Sharing Commissions - Limited Liability Company	11/26/2002
02-11-25	Technology	11/26/2002
02-11-26	Bank Check Storage	11/26/2002
02-11-27	Profit Sharing with an Unlicensed Entity	11/26/2002
02-11-28	Service Contracts	11/27/2002
02-11-29	Health Insurance, Insurers Retroactive Reversal of Treatment Authorization	11/27/2002
02-11-30	N.Y. Ins. Law 1202 "Independent Director"	11/27/2002
02-11-31	Licensing Requirements for Independent Adjusters Located Outside of New York	11/27/2002
02-11-32	Mortgage Banks Proposal to Pay Commissions to its Employees for Making Referrals to a Title Abstract Company with which it has Entered into an Affiliated Business Arrangement	11/13/2002

02-12-01	Reporting transfer of ownership within holding company system	12/02/2002
02-12-02	Capital Markets Securities Transactions	12/02/2002
02-12-03	Title Insurance Prohibited Rebates	12/04/2002
02-12-04	ACORD 25 and ACORD 27 Forms	12/04/2002
02-12-05	N.Y. Insurance Law 2120 and Regulation 29	12/05/2002
02-12-06	Recoupment of Unearned Commissions	12/05/2002
02-12-07	Multiple Employer Welfare Arrangements (MEWA)	12/05/2002
02-12-08	Credit Card Enhancement Rate Filings	12/06/2002
02-12-09	Insurance Reductions for the Completion of High School Driver Education Courses	12/06/2002
02-12-10	Explanation of Benefits Form	12/06/2002
02-12-11	Business Insurance Plan	12/10/2002
02-12-12	ACORD-Form Type Certificates	12/12/2002
02-12-13	No-Fault Cases and the Health Insurance Portability and Accountability Act of 1996 ("HIPAA")	12/17/2002
02-12-14	Agreement to Pay Residual Loan Value to Lending Institution	12/17/2002
02-12-15	Disclosure of Policy Limits	12/18/2002
02-12-16	N.Y. Comp. Codes R. & Regs. tit. 11, 51.1-51.8 (1998) (Reg. 60) and Unauthorized Insurers	12/18/2002
02-12-17	Managing General Agent	12/18/2002
02-12-18	Property/Casualty Insurance Form Endorsements	12/23/2002
02-12-19	Licensing Provisions	12/24/2002
02-12-20	Fair Claim Settlement	12/24/2002
02-12-21	Permissibility of Surcharges by Insurance Companies	12/24/2002
02-12-22	Priority of Payments in a No-Fault Claim	12/24/2002
02-12-23	Broker Commissions and other Compensation	12/27/2002
02-12-24	Combined Single Limit Motor Vehicle Liability Insurance Policy	12/30/2002
02-12-25	No-Fault Benefits Pre-Approval of Biofeedback	12/30/2002
02-12-26	Classification of International Development Banks	12/31/2002

Selected Opinions of The Office of General Counsel For The Year of 2002

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