reglab/housing_qa huggingface dataset:
WY Stat § 26-15-107 (2021)
2021 Wyoming Statutes|Title 26 - Insurance Code|Chapter 15 - The Insurance Contract|Article 1 - In General|Section 26-15-107 - Alteration of Application Prohibited; Exceptions.

26-15-107. Alteration of application prohibited; exceptions.| No alteration of any written application for any life or disability insurance policy shall be made by any person other than the applicant without his written consent, except that the insurer may make insertions for administrative purposes only in a manner as to indicate clearly that the insertions are not to be ascribed to the applicant.
WY Stat § 26-15-108 (2021)
2021 Wyoming Statutes|Title 26 - Insurance Code|Chapter 15 - The Insurance Contract|Article 1 - In General|Section 26-15-108 - Application as Evidence.

26-15-108. Application as evidence.| (a) No application for the issuance of any life or disability insurance policy or annuity contract is admissible in evidence in any action relative to the policy or contract, unless a true copy of the application is attached to or otherwise made a part of the policy or contract when issued. This provision does not apply to industrial life insurance policies.  (b) If any life or disability insurance policy delivered in this state is reinstated or renewed, and the insured or the policy beneficiary or assignee makes written request to the insurer for a copy of the reinstatement or renewal application, if any, the insurer, within thirty (30) days after receipt of the request at its home office, shall deliver or mail to the person making the request a copy of the application reproduced by any legible means. If the copy is not delivered or mailed after having been requested, the insurer is precluded from introducing the application in evidence in any action or proceeding based upon or involving the policy or its reinstatement or renewal. In the case of a request from a beneficiary, the time within which the insurer is required to furnish a copy of the application does not begin to run until after receipt of evidence satisfactory to the insurer of the beneficiary's vested interest in the policy or contract.  (c) As to insurance other than life or disability insurance, no application for insurance signed by or on behalf of the insured is admissible in evidence in any action between the insured and the insurer arising out of the policy so applied for, if the insurer fails, at expiration of thirty (30) days after receipt of written demand therefor by or on behalf of the insured, to furnish to the insured a copy of the application reproduced by any legible means.
WY Stat § 26-15-109 (2021)
2021 Wyoming Statutes|Title 26 - Insurance Code|Chapter 15 - The Insurance Contract|Article 1 - In General|Section 26-15-109 - Statements in Applications as Representations and Not as Warranties; Misrepresentations.

26-15-109. Statements in applications as representations and not as warranties; misrepresentations.| (a) Any statements and descriptions in any application for an insurance policy or annuity contract, by or in behalf of the insured or annuitant, are representations and not warranties. Misrepresentations, omissions, concealment of facts and incorrect statements do not prevent a recovery under the policy or contract unless either:  (i) Fraudulent; or  (ii) Material either to the acceptance of the risk, or to the hazard the insurer assumes; or  (iii) The insurer in good faith, if it knew the true facts as required by the application for the policy or contract or otherwise, would not have:  (A) Issued the policy or contract;  (B) Issued it at the same premium rate;  (C) Issued a policy or contract in as large an amount; or  (D) Provided coverage with respect to the hazard resulting in the loss.
WY Stat § 26-15-111 (2021)
2021 Wyoming Statutes|Title 26 - Insurance Code|Chapter 15 - The Insurance Contract|Article 1 - In General|Section 26-15-111 - Filing and Approval of Application Forms; Grounds for Disapproval.

26-15-111. Filing and approval of application forms; grounds for disapproval.| (a) The commissioner, within forty-five (45) days after filing of any insurance policy, shall disapprove any form filed under W.S. 26-15-110, or withdraw any previous approval thereof, only if:  (i) The form:  (A) Is in any respect in violation of or does not comply with this code;  (B) Contains or incorporates by reference, if the incorporation is otherwise permissible, any inconsistent, ambiguous or misleading clauses, or exceptions and conditions which deceptively affect the risk purported to be assumed in the general coverage of the contract;  (C) Has any title, heading, or other indication of its provisions which is misleading; or  (D) Is printed or otherwise reproduced in such manner as to render any provision of the form substantially illegible; or  (ii) He finds that:  (A) The benefits provided in the policy are unreasonable in relation to the premiums charged; or  (B) The rates or classification are excessive, inadequate or unfairly discriminatory. This paragraph does not apply to any policy form for insurance except those lines of insurance deemed noncompetitive under W.S. 26-14-101 through 26-14-118.  (b) If the commissioner disapproves the insurance policy, the insurer may request a hearing pursuant to the Wyoming Administrative Procedure Act.
WY Stat § 26-15-112 (2021)
2021 Wyoming Statutes|Title 26 - Insurance Code|Chapter 15 - The Insurance Contract|Article 1 - In General|Section 26-15-112 - Standard and Uniform Provisions of Policies.

26-15-112. Standard and uniform provisions of policies.| (a) Insurance contracts shall contain any standard or uniform provisions required by the applicable provisions of this code pertaining to contracts of particular kinds of insurance. The commissioner may waive the required use of a particular provision in a particular insurance policy form if:  (i) He finds the provision unnecessary for the insured's protection and inconsistent with the policy's purposes; and  (ii) He otherwise approves the policy.  (b) No policy shall contain any provision inconsistent with or contradictory to any standard or uniform provision used or required to be used, but the commissioner may approve any substitute provision which, in his opinion, is not less favorable in any particular to the insured or beneficiary than the provisions otherwise required.  (c) Instead of the provisions required by this code for contracts for particular kinds of insurance, substantially similar provisions required by the law of the domicile of a foreign or alien insurer may be used if the commissioner approves.  (d) A policy issued by a domestic insurer for delivery in another jurisdiction may contain any provision required or permitted by the laws of that jurisdiction.
WY Stat § 26-15-113 (2021)
2021 Wyoming Statutes|Title 26 - Insurance Code|Chapter 15 - The Insurance Contract|Article 1 - In General|Section 26-15-113 - Contents of Policies Generally.

26-15-113. Contents of policies generally.| (a) Any policy shall specify:  (i) The names of the parties to the contract;  (ii) The subject of the insurance;  (iii) The risks insured against;  (iv) The time when the insurance thereunder takes effect and the period during which the insurance is to continue;  (v) The premium;  (vi) The conditions pertaining to the insurance;  (vii) Benefits payable, if a life or disability insurance contract.  (b) The commissioner, by rule or regulation, may require a life insurer to show in life insurance policies, by reasonable itemization thereof, the amount of premium charged for optional, unique or particular material features or benefits included in or with the policy. The commissioner may also specify what portion of the charge by the insurer for or in connection with title insurance shall be set forth in the policy.  (c) If under the policy the exact amount of premium is determinable only at stated intervals or upon termination of the contract, a statement of the basis and rates upon which the premium is to be determined and paid shall be included.  (d) Subsections (a) through (c) of this section do not apply to surety contracts or to group insurance policies.
WY Stat § 26-15-114 (2021)
2021 Wyoming Statutes|Title 26 - Insurance Code|Chapter 15 - The Insurance Contract|Article 1 - In General|Section 26-15-114 - Additional Policy Contents.

26-15-114. Additional policy contents.| (a) A policy may contain additional provisions not inconsistent with this code and which are:  (i) Required to be inserted by the laws of the insurer's domicile;  (ii) Necessary, because of the manner in which the insurer is constituted or operated, in order to state the rights and obligations of the parties to the contract; or  (iii) Desired by the insurer and neither prohibited by law nor in conflict with any provisions required to be included therein.
WY Stat § 26-15-115 (2021)
2021 Wyoming Statutes|Title 26 - Insurance Code|Chapter 15 - The Insurance Contract|Article 1 - In General|Section 26-15-115 - Adoption of Charter and Bylaws by Reference Prohibited.

26-15-115. Adoption of charter and bylaws by reference prohibited.| No policy shall contain any provision purporting to make any portion of the charter, bylaws or other constituent document of the insurer, other than the subscriber's agreement or power of attorney of a reciprocal insurer, a part of the contract unless that portion is set forth in full in the policy. Any policy provision in violation of this section is invalid.
WY Stat § 26-15-116 (2021)
2021 Wyoming Statutes|Title 26 - Insurance Code|Chapter 15 - The Insurance Contract|Article 1 - In General|Section 26-15-116 - Execution of Policies.

26-15-116. Execution of policies.| (a) Any insurance policy shall be executed in the name of and on behalf of the insurer by its authorized officer, attorney-in-fact, employee or other representative.  (b) A facsimile signature of any executing individual may be used instead of an original signature.  (c) No insurance contract which is otherwise valid shall be rendered invalid by reason of the apparent execution thereof on behalf of the insurer by the imprinted facsimile signature of an individual not authorized to execute as of the date of the policy.
WY Stat § 26-15-117 (2021)
2021 Wyoming Statutes|Title 26 - Insurance Code|Chapter 15 - The Insurance Contract|Article 1 - In General|Section 26-15-117 - Underwriters' and Combination Policies.

26-15-117. Underwriters' and combination policies.| (a) Two (2) or more authorized insurers may jointly issue, and are jointly and severally liable on, an underwriters' policy bearing their names. Any insurer may issue a policy in the name of an underwriters' department, and the policy shall plainly show the insurer's true name.  (b) Two (2) or more insurers, with the commissioner's approval, may issue a combination policy which shall contain provisions substantially as follows:  (i) That the insurers executing the policy are severally liable for the full amount of any loss or damage, according to the terms of the policy, or for specified percentages or amounts thereof, aggregating the full amount of insurance under the policy; and  (ii) That service of process or of any notice or proof of loss required by the policy, upon any of the insurers executing the policy, constitutes service upon all the insurers.  (c) This section does not apply to cosurety obligations.
WY Stat § 26-15-118 (2021)
2021 Wyoming Statutes|Title 26 - Insurance Code|Chapter 15 - The Insurance Contract|Article 1 - In General|Section 26-15-118 - Validity and Construction of Noncomplying Policies.

26-15-118. Validity and construction of noncomplying policies.| (a) Any policy delivered or issued for delivery to any person in this state in violation of this code, but otherwise binding on the insurer, is valid, but shall be construed as provided in this code.  (b) Any condition, omission or provision not in compliance with this code and contained in any policy, rider or endorsement, otherwise valid, is not thereby invalid but shall be construed and applied in accordance with the condition, omission or provision as would have applied if it had been in full compliance with this code.
WY Stat § 26-15-119 (2021)
2021 Wyoming Statutes|Title 26 - Insurance Code|Chapter 15 - The Insurance Contract|Article 1 - In General|Section 26-15-119 - Binders and Other Contracts for Temporary Insurance.

26-15-119. Binders and other contracts for temporary insurance.| (a) Binders or other contracts for temporary insurance may be made orally or in writing and include all the usual terms of the policy as to which the binder is given together with applicable endorsements as are designated in the binder, except as superseded by the terms of the binder.  (b) No binder is valid beyond the issuance of the policy with respect to which it is given, or beyond ninety (90) days from its effective date, whichever period is shorter.  (c) If the policy is not issued, a binder may be extended or renewed beyond the ninety (90) days with the commissioner's written approval or in accordance with rules and regulations relative thereto the commissioner promulgates.  (d) This section does not apply to life or disability insurances.
WY Stat § 26-15-120 (2021)
2021 Wyoming Statutes|Title 26 - Insurance Code|Chapter 15 - The Insurance Contract|Article 1 - In General|Section 26-15-120 - Delivery of Policy; Duplicate Policies.

26-15-120. Delivery of policy; duplicate policies.| If the original policy is delivered or is required to be delivered to or for deposit with any vendor, mortgagee or pledgee of any motor vehicle, and in which policy any interest of the vendee, mortgagor or pledgor in or with reference to the vehicle is insured, a duplicate of the policy setting forth the name and address of the insurer, insurance classification of vehicle, type of coverage, limits of liability, premiums for the types of coverage, and duration of the policy, or memorandum thereof containing the same information, shall be delivered by the vendor, mortgagee or pledgee to each vendee, mortgagor or pledgor named in the policy or coming within the group of persons designated in the policy to be included. If the policy does not provide coverage of legal liability for injury to persons or damage to the property of third parties, a statement of that fact shall be printed, written or stamped conspicuously on the face of the duplicate policy or memorandum. This section does not apply to inland marine floater policies.
WY Stat § 26-15-121 (2021)
2021 Wyoming Statutes|Title 26 - Insurance Code|Chapter 15 - The Insurance Contract|Article 1 - In General|Section 26-15-121 - Renewal by Certificate or Endorsement.

26-15-121. Renewal by certificate or endorsement.| (a) Except as provided in subsection (b) of this section, any insurance policy terminating by its terms at a specified expiration date, and not otherwise renewable, may be renewed or extended:  (i) At the insurer's option;  (ii) Upon a currently authorized policy form and at the premium rate then required for the policy;  (iii) For a specific additional period by certificates or by policy endorsement; and  (iv) Without requiring the issuance of a new policy.  (b) A private health benefit plan as defined in W.S. 26-1-102(a)(xxxiii), shall be renewable with respect to all insureds at the option of the insured except in the following cases:  (i) Nonpayment of the required premiums;  (ii) Fraud or misrepresentation by the insured; or  (iii) In the event the insurer elects not to renew an individual private health insurance plan, it may do so only if it elects not to renew all of its individual private health insurance benefit plans issued in this state. In the event the insurer elects not to renew a group private health benefit plan, it may do so only if it elects not to renew all of its group private health benefit plans issued in this state. In either case, the insurer shall:  (A) Provide notice of the decision not to renew coverage to all affected private health benefit plans and to all affected individually insured persons at least one hundred eighty (180) days prior to the nonrenewal of all health benefit plans by the insurer; and  (B) Provide notice of its decision under this paragraph to the commissioner at least three (3) working days prior to providing the notice required under subparagraph (A) of this paragraph.
WY Stat § 26-15-122 (2021)
2021 Wyoming Statutes|Title 26 - Insurance Code|Chapter 15 - The Insurance Contract|Article 1 - In General|Section 26-15-122 - Assignment of Policies.

26-15-122. Assignment of policies.| A policy is assignable or not assignable as provided by its terms. Subject to its terms relating to assignability, any life or disability policy, under the terms of which the beneficiary may be changed upon the sole request of the insured or owner, may be assigned either by pledge or transfer of title, by an assignment executed by the insured or owner alone and delivered to the insurer, whether or not the pledgee or assignee is the insurer. The assignment entitles the insurer to deal with the assignee as the owner or pledgee of the policy in accordance with the terms of the assignment, until the insurer receives at its home office written notice of termination of the assignment or pledge, or written notice by or on behalf of some other person claiming some interest in the policy in conflict with the assignment.
WY Stat § 26-15-123 (2021)
2021 Wyoming Statutes|Title 26 - Insurance Code|Chapter 15 - The Insurance Contract|Article 1 - In General|Section 26-15-123 - Payment Discharges Insurer.

26-15-123. Payment discharges insurer.| If the proceeds of or payments under any life or disability insurance policy or annuity contract are payable in accordance with the terms of the policy or contract, or the exercise of any right or privilege thereunder, and the insurer makes payment thereof in accordance with those terms or in accordance with any written assignment thereof, the person then designated as being entitled thereto is entitled to receive the proceeds or payments and to give full acquittance therefor. The payments fully discharge the insurer from all claims under the policy or contract unless, before payment is made, the insurer receives at its home office written notice by or on behalf of some other person that the other person claims to be entitled to the payment or some interest in the policy or contract.
WY Stat § 26-15-124 (2021)
2021 Wyoming Statutes|Title 26 - Insurance Code|Chapter 15 - The Insurance Contract|Article 1 - In General|Section 26-15-124 - Claim to Be Accepted or Rejected; Attorney's Fee.

26-15-124. Claim to be accepted or rejected; attorney's fee.| (a) Claims for benefits under a life, accident or health insurance policy shall be rejected or accepted and paid by the insurer or its agent designated to receive the claims within forty-five (45) days after receipt of the proofs of loss and supporting evidence. Exceptions to the time of forty-five (45) days shall be made for accident and health insurance claims if there is any question as to the validity or the amount of the claim and the question is referred to the Wyoming state medical peer review committee for adjudication. Exceptions shall also be made as authorized by W.S. 26-16-112(a).  (b) Claims for benefits under a property or casualty insurance policy shall be rejected or accepted and paid by the insurer or its agent designated to receive those claims within forty-five (45) days after receipt of the claim and supporting bills.  (c) In any actions or proceedings commenced against any insurance company on any insurance policy or certificate of any type or kind of insurance, or in any case where an insurer is obligated by a liability insurance policy to defend any suit or claim or pay any judgment on behalf of a named insured, if it is determined that the company refuses to pay the full amount of a loss covered by the policy and that the refusal is unreasonable or without cause, any court in which judgment is rendered for a claimant may also award a reasonable sum as an attorney's fee and interest at ten percent (10%) per year.
WY Stat § 26-15-126 (2021)
2021 Wyoming Statutes|Title 26 - Insurance Code|Chapter 15 - The Insurance Contract|Article 1 - In General|Section 26-15-126 - Forms for Proof of Loss to Be Furnished.

26-15-126. Forms for proof of loss to be furnished.| An insurer, upon written request of any person claiming to have a loss under an insurance contract issued by that insurer, shall furnish forms of proof of loss for completion by the person. The insurer, because of the requirement to furnish forms, does not have any responsibility for or with reference to the completion of the proof or the manner of any completion or attempted completion.
WY Stat § 26-15-127 (2021)
2021 Wyoming Statutes|Title 26 - Insurance Code|Chapter 15 - The Insurance Contract|Article 1 - In General|Section 26-15-127 - Uniform Health Insurance Claim Forms.

26-15-127. Uniform health insurance claim forms.| The commissioner shall prescribe uniform health insurance claim forms and formats for governmental agencies and health care providers as defined by W.S. 26-40-102(a)(i), which, after January 1, 1997, shall be used by all insurers transacting health insurance in this state and by all governmental agencies and health care providers of this state that require health insurance claim forms or formats for their records.
WY Stat § 26-15-128 (2021)
2021 Wyoming Statutes|Title 26 - Insurance Code|Chapter 15 - The Insurance Contract|Article 1 - In General|Section 26-15-128 - Insurer's Acts Not Constituting Waiver of Policy Provisions or Defenses.

26-15-128. Insurer's acts not constituting waiver of policy provisions or defenses.| (a) None of the following acts by or on behalf of an insurer constitutes a waiver of any provision of a policy, or of any right, or of any defense of the insurer thereunder or otherwise:  (i) Acknowledgment of the receipt of notice of loss or claim under the policy;  (ii) Furnishing forms for reporting a loss or claim, for giving information relative thereto, or for making proof of loss, or receiving or acknowledging receipt of the forms or proofs completed or uncompleted;  (iii) Investigating any loss or claim under any policy or engaging in negotiations looking toward a possible settlement of any such loss or claim.