00                            HOUSE BILL NO. 175                                                                          
01 "An Act allowing, under certain conditions, a property or casualty insurer to provide                                   
02 policies and endorsements to an insured by posting the policies and endorsements on the                                 
03 insurer's Internet website."                                                                                            
04 BE IT ENACTED BY THE LEGISLATURE OF THE STATE OF ALASKA:                                                                
05    * Section 1. AS 21.42.250(a) is amended to read:                                                                   
06            (a)  An insurer [SUBJECT TO THE INSURER'S REQUIREMENTS AS TO                                             
07       PAYMENT OF PREMIUM, EACH POLICY] shall provide [BE MAILED OR                                                  
08       DELIVERED] to the insured or to the person entitled to it by mail or personal                                 
09       delivery, or by posting on the insurer's Internet website under (c) of this section                           
10       within a reasonable period of time after its issuance. The insurer is not required to                         
11       mail, deliver, or post the policy until all conditions [, EXCEPT WHERE A                                      
12       CONDITION] required by the insurer have [HAS NOT] been met by the insured.                                    
13    * Sec. 2. AS 21.42.250 is amended by adding new subsections to read:                                               
14            (c)  An insurer may provide a property and casualty insurance policy and                                     

01       endorsements by posting the policy or endorsement on the insurer's Internet website                               
02       and clearly identifying the posted policy and endorsements purchased by the insured                               
03       in the declaration page provided to the insured. A property and casualty insurance                                
04       policy posted under this subsection                                                                               
05                 (1)  must contain the standard or uniform provisions for property and                                   
06       casualty insurance required by AS 21.42.140;                                                                      
07                 (2)  must be in a form approved by the director under AS 21.42.120;                                     
08                 (3)  must be posted in a manner that reasonably allows the insured to                                   
09       retrieve and print or save the policy from the website without paying a fee;                                      
10                 (4)  must remain posted on the insurer's Internet website during the                                    
11       time that the policy is in effect, be retained by the insurer for not less than three years                       
12       after the policy is no longer in effect, and be made available to the insured on request;                         
13       and                                                                                                               
14                 (5)  may not include personally identifiable information.                                               
15            (d)  The insurer shall notify the insured at the time of issuance or renewal of                              
16       the method by which the insured may request and the insurer shall provide a paper or                              
17       electronic copy of the insured's policy or endorsements.                                                          
18            (e)  If the policy or endorsements change or the means of obtaining policy                                   
19       information from the insurer's Internet website changes, the insurer shall notify the                             
20       insured in the manner the insurer customarily communicates with an insured.