Alabama § 27-10-3 Actions by Unauthorized Insurers Not Allowed; Exceptions

Alabama Statutes

§ 27-10-3 — Actions by Unauthorized Insurers Not Allowed; Exceptions

Alabama § 27-10-3

Title 27Insurance

Ch. 10Unauthorized Insurers and Surplus Lines

Art. 1General Provisions

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Bluebook

Ala. Code § 27-10-3 (2026).

Text

(a)No unauthorized insurer shall institute or file, or cause to be instituted or filed, any action or proceeding in this state to enforce any right, claim, or demand arising out of any insurance transaction in this state until such insurer has obtained a certificate of authority to transact such insurance in this state.

(b)This section does not apply as to:

(1)Transactions for which a certificate of authority is not required;

(2)Surplus line coverages written under this chapter; or

(3)Coverages exempted from the surplus line law under Section 27-10-34.

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(a) No unauthorized insurer shall institute or file, or cause to be instituted or filed, any action or proceeding in this state to enforce any right, claim, or demand arising out of any insurance transaction in this state until such insurer has obtained a certificate of authority to transact such insurance in this state.
(b) This section does not apply as to:
(1) Transactions for which a certificate of authority is not required;
(2) Surplus line coverages written under this chapter; or
(3) Coverages exempted from the surplus line law under Section 27-10-34.