Los contratos de seguro obtenidos como cubierta de líneas excedentes de aseguradores no autorizados, de acuerdo con este capítulo, serán completamente válidos y exigible en cuanto a todas las partes, y se reconocerán en todo asunto y respecto, y para todos los propósitos, con el mismo efecto que contratos análogos concertados por aseguradores autorizados. En cuanto a cualquiera de dichos contratos, el asegurador se considerará como asegurador autorizado en Puerto Rico, pero sólo estará sujeto a las disposiciones de este capítulo.
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