20-240. Electronic posting of policies; definitions

A. Notwithstanding section 20-239, an insurer may post property and casualty insurance policies and endorsements that are subject to article 4.1 of this chapter pursuant to section 20-382 on the insurer's website instead of mailing or delivering the policies and endorsements to the insured, if all of the following conditions are satisfied:

1. The policies and endorsements posted by the insurer on its website do not contain personal information or privileged information.

2. The insurer makes accessible each policy and endorsement:

(a) On the insurer's website while each policy and endorsement remains in use.

(b) For a period of five years after the policy or endorsement is discontinued by the insurer.

3. The insurer posts its policies and endorsements on the insurer's website in a manner that enables the insured to print and save a copy of the policy and endorsements using programs and applications that are widely available on the internet and free of charge to use.

4. The insurer agrees to respond to requests from the insured in a timely manner and to provide notice in the manner that the insurer customarily communicates with an insured:

(a) At the time of issuance of the initial policy forms and any renewal forms of a method by which the insured may obtain, on request and without charge, a paper or electronic copy of the insured's policy or endorsement.

(b) Of any changes to the forms or endorsements, and of the insured's right to obtain, on request and without charge, a paper or electronic copy of the forms and endorsements.

(c) Of the insurer's specific website address and instructions on how to access the referenced policy and endorsement forms on the insurer's website.

5. On each declarations page delivered to an insured, the insurer clearly identifies the exact policy and endorsement forms purchased by the insured.

B. For the purposes of this section, " personal information" and " privileged information" have the same meanings prescribed in section 20-2102.