(1) La prima expresada en la póliza deberá incluir todos los derechos, cargos, primas o cualquier otra remuneración relacionada con el seguro o su obtención, excepto que, en cualquier enmienda subsiguiente de la póliza, el asegurador podrá requerir se suministre prueba de asegurabilidad por cuenta del asegurado.
(2) Ningún asegurador ni ningún director, administrador, empleado, agente, solicitador u otro representante del mismo, podrá cargar o cobrar ningún derecho, compensación o remuneración por un seguro, excepto los incluidos en la prima indicada en la póliza.
(3) Esta sección no se aplica a seguros de garantía, de títulos de propiedad, y colectivos ni a recargos en primas autorizados conforme a las secs. 3801 a 3818 de este título excepto como se dispone en dichas secciones.
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