Alabama § 27-10-3 - Actions by Unauthorized Insurers Not Allowed; Exceptions.
Full text of Alabama Code of Alabama § 27-10-3 — Actions by Unauthorized Insurers Not Allowed; Exceptions., with citation guidance and answers to common questions.
§ 27-10-3. Actions by Unauthorized Insurers Not Allowed; Exceptions.
(a) No unauthorized insurer shall institute or file, or cause to be instituted or filed, any action or proceeding in this state to enforce any right, claim, or demand arising out of any insurance transaction in this state until such insurer has obtained a certificate of authority to transact such insurance in this state.
(b) This section does not apply as to:
(1) Transactions for which a certificate of authority is not required;
(2) Surplus line coverages written under this chapter; or
(3) Coverages exempted from the surplus line law under Section 27-10-34.
Source: official Alabama text · Last verified 2026-08-27
Frequently Asked Questions About Alabama § 27-10-3
What does Code of Alabama § 27-10-3 cover?
Section 27-10-3 ("Actions by Unauthorized Insurers Not Allowed; Exceptions.") is part of the Code of Alabama, the codified statutory law of Alabama. It sets out the legal rule or procedure described in the text above. Statutes are amended regularly, so always verify against the official source.
How do I cite Alabama § 27-10-3?
A common citation format is "Code of Alabama § 27-10-3" (Alabama). Legal writing may require the code abbreviation, section number, and year or edition. Match the style required by your court, professor, or publisher.
Is this the official text of Alabama law?
No. This page is for research and education and may not include the most recent amendments. For official current law, check the Alabama official source linked on this page or consult a licensed Alabama attorney.
How does Alabama § 27-10-3 apply to my situation?
Statutes are interpreted in context, and application depends on your specific facts. Only a licensed attorney in Alabama can advise on how this section applies to you. Contact your state or local bar association for a referral.
Sources & Verification
Not legal advice. Verify against the official source and consult a licensed attorney in Alabama.