Idaho Administrative Code Title IDAPA 18 - Insurance, Department of
Here’s an organized summary of IDAPA 18 – Idaho Administrative Code, Title 18: Department of Insurance:
📂 Overview: Major Rule Chapters (Current)
According to the Idaho Department of Insurance, IDAPA 18 is divided into several major chapters covering all key insurance lines:
18.01.01 – Privacy of Consumer Financial Information
18.01.02 – Schedule of Fees, Licenses & Miscellaneous Charges
Property/Casualty & Auto:
18.02.01 – Insurance Rates and Credit Rating
18.02.02 – Automobile Insurance Policies
18.02.03 – Certificate of Liability Insurance for Motor Vehicles
Life & Annuity:
18.03.02 – Life Settlements
18.03.03 – Variable Contracts
18.03.04 – Replacement of Life Insurance and Annuities
18.03.05 – Credit Life & Credit Disability Insurance
Health & Disability:
18.04.01 – Health Carrier External Review
18.04.02 – Uniform Coverage for Newborn/Adoptees
18.04.03 – Advertisement of Disability Insurance
18.04.04 – Managed Care Reform Act
18.04.05 – Self-Funded Health Plans
18.04.06 – Governmental Self-Funded Plans
18.04.07 – Discretionary Clause Restrictions
18.04.08 – Supplemental Disability Standards
18.04.10 – Medicare Supplement Standards
18.04.11 – Long-Term Care Insurance Standards
18.04.12 – Small Employer Health Insurance
18.04.13 – Individual Health Insurance Availability Act
18.04.14 – Coordination of Benefits
18.04.15 – Short-Term Health Insurance
Title Insurance:
18.05.01 – Rules for Title Insurance Regulation
Other Business Structures & Oversight:
18.06.05 – Managing General Agents
(Plus additional rules for surplus lines, reinsurance, etc.)
(adminrules.idaho.gov, adminrules.idaho.gov, regulations.justia.com)
🔍 Example In-Depth: Title Insurance Regulation (18.05.01)
The 18.05.01 chapter regulates title insurance and agents/escrow officers. Key areas include:
000–001 – Authority & Scope: Implements Title 41 Chapters 27 & 1314, Idaho Code — fair trade, consumer protection, financial stability (adminrules.idaho.gov).
010 – Definitions: Terms like “applicant,” “producer,” “title examination,” “tract indexes” (adminrules.idaho.gov).
011–012 – Procedural Requirements: Maintaining abstracts, filing requirements .
013 – Premium Rate Structures: Filing rate schedules, cancellation fees (adminrules.idaho.gov).
014 – Disclosure & 015 – Financial Interest Notices: Producer obligations.
021–022 – Escrow Agent Rules & Fees
031 – Rebates & Illegal Inducements
032 – Dissemination of info to public/entities
📝 Spotlight: Auto & Disability Insurance Chapters
18.02.02 – Automobile Insurance Policies:
Covers legal authority, definitions, misrepresentation in applications, termination timing, renewal notices, coverage for uninsured/underinsured motorists (regulations.justia.com).
18.04.03 – Advertising Restrictions for Disability (Accident & Sickness) Insurance:
Sets standards for truthful, clear disclosures; prohibits misleading claims and requires clear insurer identification (adminrules.idaho.gov).
✅ Summary
IDAPA 18 structures Idaho's insurance regulation comprehensively, spanning consumer privacy, licensing and fees, property & casualty, life, health, and specialty areas like title insurance and advertising standards. Each chapter is rooted in statutory authority, with current versions typically updated between 2004–2022.
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