{"data":{"id":"us-mn/minn.-stat.-72c.08","jurisdiction":"us-mn","citation":"Minn. Stat. § 72C.08","heading":"FORMAT REQUIREMENTS.","body":"Subdivision 1. Requirement.\nAll insurance policies and contracts covered by section 72C.11 shall be written in a logical, clear, and understandable order and form and shall contain at least the following items:\n(a) on the cover or first or an insert page of the policy a statement that the policy is a legal contract between the policy owner and the company and the statement, printed in larger or other contrasting type or color, \"Read your policy carefully\";\n(b) an index of the major provisions of the policy or contract, which may include the following items:\n(1) the person or persons insured by the policy;\n(2) the applicable events, occurrences, conditions, losses or damages covered by the policy;\n(3) the limitations or conditions on the coverage of the policy;\n(4) definitional sections of the policy;\n(5) provisions governing the procedure for filing a claim under the policy;\n(6) provisions governing cancellation, renewal, or amendment of the policy by either the insurer or the policy owner;\n(7) any options under the policy; and\n(8) provisions governing the insurer's duties and powers in the event that suit is filed against the insured.\nSubd. 2. Compliance factors.\nIn determining whether a policy or contract is written in a logical, clear, and understandable order and form the commissioner shall consider the following factors:\n(a) the extent to which each provision for coverage is stated separately in a self-contained section, including the conditions relating to or limiting that section's effect;\n(b) the extent to which sections or provisions are set off and clearly identified by titles, headings, or margin notations;\n(c) the use of a more easily understandable format such as narrative or outline forms; and\n(d) any additional factors relevant to a logical, clear, and understandable format which the commissioner may prescribe by rule.","path":["INSURANCE","CHAPTER 72C. READABILITY OF INSURANCE POLICIES"],"source_url":"https://www.revisor.mn.gov/statutes/cite/72C.08","current_through":"2025 Minnesota Statutes","vintage":"","retrieved_at":"2026-09-02T22:10:29Z","sha256":"a136e97883d1c5c3d1f26f1bd20d95be290cf494dff0b6e850aec7711444929c","source_id":"us-mn","stale":false,"prev":"us-mn/minn.-stat.-72c.07","next":"us-mn/minn.-stat.-72c.09"},"notice":"GroundRules: Original legal text. Not legal advice."}