What does it mean for an insurer to willfully violate laws of the Commonwealth?

When an insurer willfully violates laws of the Commonwealth, it means that the insurer intentionally disregards the legal requirements put in place by regulatory bodies. This implies a conscious decision to not comply with the established insurance laws, which can lead to serious consequences, including penalties and loss of license.

The act of willful violation indicates that the insurer is aware of the laws and chooses to ignore them, rather than making an inadvertent mistake or simply seeking clarification about the rules. Understanding this distinction is crucial, as it focuses on the intentional nature of the actions taken by the insurer. The emphasis is not on accidental non-compliance but rather on a deliberate choice to operate outside the confines of legal regulations.