(1) Ningún asegurador efectuará ningún seguro directo sobre ninguna persona, propiedad u otro objeto material del seguro residente, ubicado o para llevarse a cabo en Puerto Rico, ni ningún seguro relativo a los mismos, si no es por conducto de un representante autorizado de dicho asegurador que resida en Puerto Rico.
(2) Dichas pólizas y contratos deberán ser refrendados por el gerente, agente general o representante autorizado del asegurador, residente en Puerto Rico.
(3) Ninguna refrendata será hecha en blanco.
(4) Esta sección no aplicará:
(a) A cubiertas de líneas de seguro excedente convenido de acuerdo con las secs. 1001 a 1020 de este título.
(b) Con respecto a la refrendata, a seguros colectivos de vida o de incapacidad, y a pólizas vendidas por conducto de máquinas vendedoras autorizadas por el Comisionado.
(c) A cubiertas de seguro marítimos y cubiertas de responsabilidad o riesgo con respecto a propiedad en el curso de transportación en comercio marítimo o aéreo.
(d) A reaseguros.
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