State RegulationsGA specificDifficulty 1/5
Which of the following is within the broad powers and duties of the Georgia Insurance Commissioner (Office of Commissioner of Insurance and Safety Fire)?
Select an option to reveal the answer and the full 3-part explanation — free, no signup.
Answer & full 3-part explanation (select an option above, or peek)
Why D is correct
Under O.C.G.A. § 33-2-1 through § 33-2-6 and § 33-2-9 through § 33-2-32, the Commissioner administers and enforces the Georgia Insurance Code — issuing licenses, examining insurers' records, adopting rules, and policing unfair trade practices. Lawmaking belongs to the General Assembly, and criminal prosecution to the courts and prosecutors.
Why the other options are wrong
- A) Criminal prosecution is the role of prosecutors and the courts, not the Insurance Commissioner.
- B) Protecting policyholders from insolvency is the function of the Georgia Life and Health Insurance Guaranty Association under O.C.G.A. § 33-38-7, not a Commissioner duty.
- C) The General Assembly enacts the insurance code; the Commissioner adopts regulations to implement it.
Memory hook
The Commissioner enforces and examines — the legislature legislates, prosecutors prosecute.