SECTION 3.3101. Organization of Policy Format for Readability

(a) The text of the policy must be organized so that it follows a logical sequence.

(b) Coverages must be self-contained and independent.

(c) The use of provisions which refer the reader to another section must be avoided to the extent possible.

(d) General policy provisions applying to all or several like coverages, such as defined words and terms, must be located in a common area.

(e) Insurers may utilize a separate definition section for words used throughout the policy. If a separate definition section is used, it must appear early in the policy format.

(f) Nonessential provisions must be eliminated.

(g) Captions must be of type size and style to clearly stand out.

(h) Type size and style must be legible and comply with the requirements set forth in Insurance Code §1201.054.

(i) Ample blank space must separate the policy provisions.

(j) Ample blank space must appear between the columns of printing and the border of the paper.

(k) A table of contents or index may be utilized to enable the policyholder to readily locate particular provisions.

Source Note: The provisions of this §3.3101 adopted to be effective January 26, 1977, 2 TexReg 159; amended to be effective May 11, 2022, 47 TexReg 2758