Tennessee § 56-49-109 - Refund of unearned premiums and charges.
Full text of Tennessee Tennessee Code Annotated § 56-49-109 — Refund of unearned premiums and charges., with citation guidance and answers to common questions.
§ 56-49-109. Refund of unearned premiums and charges.
Within sixty (60) calendar days after the termination of creditor-placed insurance coverage, and in accordance with the formulas approved by the commissioner, an insurer shall refund any unearned premium or other identifiable charges. Within sixty (60) calendar days after the termination date of creditor-placed insurance coverage, the insurer shall provide to the debtor a statement of refund disclosing the effective date, the termination date, the amount of premium being refunded and the amount of premium charged for the coverage provided. No statement shall be required in the event that the policy terminates pursuant to § 56-49-104(b)(4). The entire amount of premiums, minimum premiums, fees or charges of any kind shall be refunded if no coverage was provided. Acts 1999, ch. 144, § 9.
Source: official Tennessee text · Last verified 2026-08-27
Frequently Asked Questions About Tennessee § 56-49-109
What does Tennessee Code Annotated § 56-49-109 cover?
Section 56-49-109 ("Refund of unearned premiums and charges.") is part of the Tennessee Code Annotated, the codified statutory law of Tennessee. 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 Tennessee § 56-49-109?
A common citation format is "Tennessee Code Annotated § 56-49-109" (Tennessee). 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 Tennessee law?
No. This page is for research and education and may not include the most recent amendments. For official current law, check the Tennessee official source linked on this page or consult a licensed Tennessee attorney.
How does Tennessee § 56-49-109 apply to my situation?
Statutes are interpreted in context, and application depends on your specific facts. Only a licensed attorney in Tennessee 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 Tennessee.