Uniform Unauthorized Insurers Act

The act governs insurance business transacted in a state by insurers that hold no authority to operate there, generally prohibiting such business while carving out defined exceptions, including certain transactions conducted by mail, and addressing the validity of contracts made in violation and where suits over them may be brought. Its central mechanisms are jurisdictional and procedural: an unauthorized insurer is subject to a designated attorney for service of process so that it can be sued locally, and before it may plead or defend an action it must either post a deposit sufficient to secure any judgment or obtain a certificate of authority. The act also authorizes injunctive relief against unauthorized insurance activity and provides for enforcement of qualifying orders and decrees between the enacting state and other states that extend reciprocal treatment.

Editorial summary generated from the text of this act. It is not part of the statute — read the sections below for the operative language.