215 ILCS 5/155.45 — what it says, and how the exam tests it

215 ILCS 5/155.45. Sec. 155.45. Certificates of insurance. (a) In this Section: "Certificate of insurance" means a document prepared by an insurer or insurance producer as evidence of property or casualty insurance coverage. "Certificate of insurance" does not include a policy of insurance, an insurance binder, a policy endorsement, or a motor vehicle insurance identification or information card. "Department" means the Department of Insurance. "Director" means the Director of Insurance. "Insurance producer" means a person required to be licensed under the laws of this State to sell, solicit, or negotiate insurance. "Insurer" means a company, firm, partnership, association, order, society, or system making any kind or kinds of insurance and shall include associations operating as Lloyds, reciprocal or inter-insurers, or individual underwriters. "Person" means any individual, aggregation of individuals, trust, association, partnership, or corporation, or any affiliate thereof. "Property or casualty insurance" means the kinds of insurance described in either or both Class 2 or Class 3 of Section 4 of this Code. (b) This Section applies to a certificate of insurance that is issued in connection with a contract related to property, operations, or risks located in this State, regardless of the location of the policyholder, insurer, insurance producer, or person that requests or requires the issuance of the certificate of insurance. (c) The use of a certificate of insurance form that is unfair, misleading, or deceptive or violates any law is an unfair and deceptive act or practice in the business of insurance under Article XXVI of this Code. (d) A certificate of insurance may not amend, extend, or alter the coverage provided under, or confer to a person any rights in addition to the rights expressly provided in, the policy of property or casualty insurance to which the certificate of insurance refers. (e) A person may not prepare, issue, request, or require the issuance of a certificate of insurance that: (1) contains false or misleading information concerning the policy of property or casualty insurance to which the certificate of insurance refers; or (2) alters, amends, or extends the coverage provided by the policy of property or casualty insurance to which the certificate of insurance refers. (f) A certificate of insurance may not contain a warranty that the…