Where insurance charges or premiums were paid by or charged to the debtor, the insurer is responsible for making the refund to the debtor (or to the debtor's estate). Where discharge of the insurer's responsibility for completion of such refunds is delegated by the insurer to the creditor, the actions of such creditor will be deemed by the commissioner of insurance to be acts of the insurer.     
     Source Note:        The provisions of this §3.5903 adopted to be effective October 1, 1980, 5 TexReg 2772; amended to be effective June 30, 1992, 17 TexReg 4345.