Rules & Regulations of the State of Tennessee Title 0780 - Commerce and Insurance
Here’s an overview of Title 0780 – Commerce and Insurance of the Tennessee Rules & Regulations:
📚 Subtitles in Title 0780
According to Justia, Title 0780 is structured into the following subtitles (current through March 23, 2025) (regulations.justia.com):
0780‑01 – Insurance Division
Includes chapters on: Unfair Claims Settlement (Ch. 01‑05), Title Insurance (Ch. 01‑12), Privacy (Ch. 01‑72), Captive Insurance (Ch. 01‑41), Pharmacy, etc.
0780‑02 – Division of Fire Prevention
0780‑03 – (Not specifically detailed in our search)
0780‑04 – Division of Securities
0780‑05 – Division of Regulatory Boards
0780‑06 – Emergency Communications Board
0780‑07 – Office of the Commissioner
0780‑08 – Consumer Affairs
e.g., rules on lighters and debt management services (regulations.justia.com, tn.gov, tnsos.org, casetext.com)
🔍 Sample Chapter Highlights
0780‑01‑05: Unfair Claims Settlement Practices
This chapter details insurer obligations in claims handling, including:
Defs & Scope – Applies to property/casualty and life insurers; incorporates Fair Claims Settlement Act (tn.gov).
Misrepresentation (§.06) – Insurers/producers must disclose policy benefits, can't deny claims improperly, or use "final release" language unless limits are paid (regulations.justia.com).
Claim handling timelines (§.07–.11) – Acknowledge claims within 30 days, decide on claims within 60 days, settle timely, share subrogation proceeds, etc.; detailed rules for auto, fire, life claims (tn.gov).
0780‑01‑12: Title Insurance Companies & Agents
This chapter governs title insurance operations:
Requires rate filing and adherence to rate schedules.
Insurers must issue a written “Notice of Waiver” if only lender’s (“mortgagee’s”) title insurance is purchased — explaining that borrower gets no protection unless they purchase an owner's policy (law.cornell.edu, law.cornell.edu).
0780‑01‑72: Privacy of Consumer Information
Sets standards for maintaining confidentiality of consumer data, backed by authority from 2001 Tenn. Pub. Acts, ch. 107 (law.cornell.edu).
📝 How to Access the Rules
Official source: Tennessee Secretary of State's rules portal (e.g., 0780‑01‑01) (publications.tnsosfiles.com).
Justia/LII for categorized, navigable versions (e.g., chapter 01‑05, 01‑12, 01‑72) (law.cornell.edu).
✅ Summary
Title 0780 covers broad oversight functions—insurance, securities, consumer affairs, fire safety, etc.
Insurance Division (0780‑01) includes detailed regs on unfair claims, title insurer conduct, consumer privacy, captive insurance, etc.
Source documents are available via TN SOS and legal aggregators like Justia and LII.
📌 Next Steps
Need full text of a specific chapter or section?
Interested in another subtitle (e.g., Fire Prevention or Securities)?
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