General provisions

(a) Policy period: Territory. Policies shall provide coverage during the period the policy is in effect and within the territorial limits of the United States and Canada or, as regards private passenger automobiles only, between ports thereof. (b) Conditions. (1) A policy may contain in substance the following conditions: (A) A provision relating to the computation and payment of premium; (B) a provision that written notice of accident, claim or suit is required; and that copies of any demand or legal process against the insured, the insurer or any third party shall be forwarded immediately to the insurer; (C) a provision requiring a claimant to benefits under medical payments or protection against uninsured and underinsured motorists coverage to submit to the insurer written proof of claim, and requiring the injured person to submit to physical examinations and to furnish medical reports and records; (D) a provision requiring the insured to assist and cooperate with the insurer; (E) a provision that no action shall lie against the insurer until all the terms of the policy have been complied with or, under the liability coverages, until the amount of the insured's obligation to pay shall have been finally determined either by judgment against the insured after actual trial or by written agreement of the insured, the claimant and the insurer, and a further provision that the insurer shall not be joined or impleaded in any action against the insured brought to determine his liability; (F) a provision that the insurer's consent is necessary to any assignment of interest under the policy; (G) a provision that the insurer issues the policy in reliance upon the declarations of the named insured and that the policy contains all agreements between the named insured and the insurer and any of its agents relating to the insurance; (H) a provision relating to the insurer's own method of doing business. (2) A policy must contain in substance the following conditions: (A) a provision that bankruptcy or insolvency of the insured shall not relieve the insurer of its obligations under the policy; (B) a provision that the terms of the policy may not be waived or changed except as stated in the policy; (C) a provision in a policy as defined in section 38a-341 of the General Statutes limiting the company's rights to terminate insurance on private passenger motor vehicles as provided under section 38a-323, and sections 38a-341 through 38a-346 of the General Statutes. Notes: History note reading "Amended, effective November 1, 2000" edited to standard format "Amended November 1, 2000" (February 18, 2015)