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For policyholders or a person with an existing accident claim against Gramercy or a Gramercy policyholder, the guaranty association that you should contact is the state of residency of the Gramercy Insured at the date and time of the accident.

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631.262 and 631.263, means honesty in fact, including, but not limited to, the exercise of reasonable business judgment, in the conduct or transaction concerned, together with the absence of information that would lead a reasonable person in the same position to know that the insurer is insolvent or is experiencing an impairment of capital or an impairment of surplus and together with the absence of knowledge regarding the imminence or pendency of any receivership proceeding against the insurer.“Impairment of capital” means that the minimum surplus required to be maintained in s. The department shall have all the powers of the directors, officers, and managers, whose authority shall be suspended, except as they are redelegated by the receiver. If a person fails to file the pleading required by subsection (1) within the 20-day period, the court may, upon petition of the receiver and upon a copy of the petition being served by the petitioner to such person, issue its summary order directing the immediate delivery of the funds, assets, or property to the receiver and finding that the person has waived all claims of right to the funds, assets, or property.

624.408 has been dissipated and the insurer is not possessed of assets at least equal to all its liabilities together with its total issued and outstanding capital stock, if a stock insurer, or the minimum surplus or net trust fund required by s. The receiver shall have full power to direct and manage the affairs of the insurer, to hire and discharge employees, and to deal with the property and business of the insurer. This section shall apply to all proceedings brought by the receiver to recover funds, assets, or property believed by the receiver under this chapter to be assets of the entity subject to an order of conservation, rehabilitation, or liquidation.

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Guaranty associations are active in every state, the District of Columbia, Puerto Rico and the Virgin Islands.

State laws require that licensed property and casualty insurance companies belong to the guaranty associations in every state where they are licensed to do business.

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When the context of any provision of this code so indicates, insolvency also includes and is defined as “impairment of surplus,” as defined in subsection (13), and “impairment of capital,” as defined in subsection (12).“Insurer,” in addition to persons so defined under s. Any plan approved under this section must be, in the judgment of the court, fair and equitable to all parties concerned. Department staff costs and expenses include staff salaries.

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