TABLE OF STATUTES

Cal. Civ. Code § 3294 (West 1997)

Cal. Ins. Code § 533 (West 1993)

Haw. Rev. Stat. § 431:10-240 (2003)

Kan. Stat. Ann. § 40-2,115 (2003)

Mont. Code Ann. § 33-15-317 (2003)

Nev. Rev. Stat. § 681A.095 (2003)

N.C. Gen. Stat. Ann. § 1D-15 (West 2004)

N.D. Cent. Code § 9-08-02 (2003)

Utah Code Ann. § 31A-20-101 (2004)

Va. Code Ann. § 38.2-227 (Michie 2004)

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