This document was prepared by Property Casualty Insurers Association of America (PCI) and is intended for use as an information guide and research aid. Reasonable attempts have been made to ensure that the information is accurate and current as of its publication date. However, you should independently verify the current statutory or regulatory language. This document is not intended as, and should not be construed as, legal or regulatory advice. Use of this document or any of the information contained herein does not in any way establish an attorney/client relationship. Transmission or reproduction of the information contained herein for commercial purposes or for distribution as legal or regulatory advice is strictly prohibited. Non-commercial transmission or reproduction for limited, internal use must include this disclaimer.