{"data":{"id":"us-nc/n.c.-gen.-stat.-58-38-20","jurisdiction":"us-nc","citation":"N.C. Gen. Stat. § 58-38-20","heading":"Format requirements.","body":"(a)\tAll insurance policies and contracts covered by G.S. 58-38-35 must be printed in a typeface at least as large as 10 point modern type, one point leaded, be written in a logical and clear order and form, and contain the following items:\n(1)\tOn the cover, first, or insert page of the policy a statement that the policy is a legal contract between the policy owner and the insurer and the statement, printed in larger or other contrasting type or color, \"Read your policy carefully\";\n(2)\tAn index of the major provisions of the policy, which may include the following items:\na.\tThe person or persons insured by the policy;\nb.\tThe applicable events, occurrences, conditions, losses, or damages covered by the policy;\nc.\tThe limitations or conditions on the coverage of the policy;\nd.\tDefinitional sections of the policy;\ne.\tProvisions governing the procedure for filing a claim under the policy;\nf.\tProvisions governing cancellation, renewal, or amendment of the policy by either the insurer or the policyholder;\ng.\tAny options under the policy; and\nh.\tProvisions governing the insurer's duties and powers in the event that suit is filed against the insured.\n(b)\tIn determining whether or not a policy is written in a logical and clear order and form the Commissioner must consider the following factors:\n(1)\tThe extent to which sections or provisions are set off and clearly identified by titles, headings, or margin notations;\n(2)\tThe use of a more readable format, such as narrative or outline forms;\n(3)\tMargin size and the amount and use of space to separate sections of the policy; and\n(4)\tContrast and legibility of the colors of the ink and paper and the use of contrasting titles or headings for sections. (1979, c. 755, s. 1.)","path":["Chapter 58. Insurance.","Article 38. Readable Insurance Policies."],"source_url":"https://www.ncleg.gov/EnactedLegislation/Statutes/HTML/BySection/Chapter_58/GS_58-38-20.html","current_through":"S.L. 2026-30","vintage":"","retrieved_at":"2026-08-27T18:06:53Z","sha256":"5ea075bc00b7c942749e82e2ed18e9aa872f798b2a2e17a10a32c61960b5205c","source_id":"us-nc","stale":false,"prev":"us-nc/n.c.-gen.-stat.-58-38-15","next":"us-nc/n.c.-gen.-stat.-58-38-25"},"notice":"GroundRules: Original legal text. Not legal advice."}