State RegulationsGA specificDifficulty 3/5
The Insurance Department requests the business records of a Georgia producer as part of an examination, and the producer refuses to cooperate. Under Georgia law, what may the Insurance Commissioner do?
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Answer & full 3-part explanation (select an option above, or peek)
Why B is correct
Under O.C.G.A. §§ 33-2-10 through 13, the Commissioner's examination authority reaches the records of entities transacting insurance in Georgia, and a producer's refusal to cooperate does not block the examination. The Commissioner may complete the examination and take administrative action, including discipline, against a producer who fails to comply with an examination demand.
Why the other options are wrong
- A) An examination is not deferred to a renewal cycle; O.C.G.A. §§ 33-2-10 through 13 allow the Commissioner to examine when supervisory needs require.
- C) The examination authority is not limited to insurers; records of those transacting insurance in Georgia, including producers, fall within O.C.G.A. §§ 33-2-10 through 13.
- D) No insurer approval is needed; the examination power belongs to the Insurance Commissioner alone under O.C.G.A. §§ 33-2-10 through 13.
Memory hook
Stonewalling an exam earns a producer a disciplinary file, not a delay.