reglab/housing_qa huggingface dataset:
RI Gen L § 27-8.1-4 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-8.1 - Information Reporting and Immunity Relating to Fire Losses|Section 27-8.1-4 - Confidentiality of evidence - Testimony by agency.

§ 27-8.1-4. Confidentiality of evidence — Testimony by agency.(a) Any authorized agency, insurer, lending institution, or party in interest, or any person acting on behalf of or in conjunction with any of these, which or who has secured any information furnished or received pursuant to this chapter, shall retain that information in its strict confidence, possession, and custody until release of that information is required pursuant to a criminal or civil proceeding.(b) Any authorized agency, or the personnel of that agency, may be required to testify in any litigation in which an insurer and/or party in interest is named as a party or parties.History of Section.P.L. 1978, ch. 328, § 1; P.L. 1988, ch. 309, § 1.
RI Gen L § 27-8.1-5 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-8.1 - Information Reporting and Immunity Relating to Fire Losses|Section 27-8.1-5 - Enforcement - Penalty.

§ 27-8.1-5. Enforcement — Penalty.(a) No insurer, lending institution, party in interest, or authorized agency, or any person acting in behalf of, or in conjunction with, any of these, shall:(1) Intentionally or knowingly refuse to release any information requested and/or ordered pursuant to § 27-8.1-3(a), (b), (e), or (f);(2) Intentionally or knowingly refuse to provide authorized relevant information pursuant to § 27-8.1-3(d)(1); and(3) Fail to hold in strict confidence, possession, and custody, information required to be so held under § 27-8.1-4(a).(b) Whoever shall violate subsection (a) of this section shall be guilty of a misdemeanor and, upon conviction, shall be punished by a fine not to exceed one hundred dollars ($100).History of Section.P.L. 1978, ch. 328, § 1; P.L. 1988, ch. 309, § 1.
RI Gen L § 27-8.1-6 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-8.1 - Information Reporting and Immunity Relating to Fire Losses|Section 27-8.1-6 - Construction of chapter.

§ 27-8.1-6. Construction of chapter.With the exception of § 27-8.1-2(a), no provision of this chapter shall be construed to impair any existing statutory or common law rights or powers.History of Section.P.L. 1978, ch. 328, § 1.
RI Gen L § 27-8.2-1 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-8.2 - Stop-Loss Insurance|Section 27-8.2-1 - Purpose and intent.

§ 27-8.2-1. Purpose and intent.This chapter shall be known as the "Stop-Loss Insurance Act." The purpose of this chapter is to establish criteria for the issuance of stop-loss insurance policies. Nothing in this chapter shall be construed as imposing any requirement or duty on any person other than an insurer, or as treating any stop-loss policy as a direct policy of health insurance.History of Section.P.L. 2013, ch. 86, § 1; P.L. 2013, ch. 92, § 1.
RI Gen L § 27-8.2-2 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-8.2 - Stop-Loss Insurance|Section 27-8.2-2 - Definitions.

§ 27-8.2-2. Definitions.(a) "Actuarial certification" means a written statement by a member of the American Academy of Actuaries, or other individual acceptable to the commissioner, that an insurer is in compliance with the provisions of this chapter. The written statement shall be based upon the individual's examination, and include a review of the appropriate records and the actuarial assumptions and methods used by the insurer in establishing attachment points and other applicable determinations in conjunction with the provision of stop-loss insurance coverage.(b) "Attachment point" means the claims amount incurred by an insured group beyond which the insurer incurs a liability for payment.(c) "Expected claims" means the amount of claims that, in the absence of a stop-loss policy or other insurance, are projected to be incurred by an insured group through its health plan.History of Section.P.L. 2013, ch. 86, § 1; P.L. 2013, ch. 92, § 1.
RI Gen L § 27-8.2-3 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-8.2 - Stop-Loss Insurance|Section 27-8.2-3 - Stop-loss insurance coverage standards.

§ 27-8.2-3. Stop-loss insurance coverage standards.(a) An insurer shall not issue a stop-loss insurance policy that:(1) Has an annual attachment point for claims incurred per individual that is lower than twenty thousand dollars ($20,000);(2) Has an annual aggregate attachment point that is lower than one hundred twenty percent (120%) of expected claim; and(3) Provides direct coverage of healthcare expenses of an individual.(b) The commissioner may adopt rules that carry out the requirements of this chapter.History of Section.P.L. 2013, ch. 86, § 1; P.L. 2013, ch. 92, § 1.
RI Gen L § 27-8.2-4 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-8.2 - Stop-Loss Insurance|Section 27-8.2-4 - Actuarial certification.

§ 27-8.2-4. Actuarial certification.An insurer shall file with the commissioner annually on or before March 15, an actuarial certification certifying that the insurer is in compliance with this chapter. The certification shall be in a form and manner, and shall contain information, specified by the commissioner. A copy of the certification shall be retained by the insurer at its principal place of business.History of Section.P.L. 2013, ch. 86, § 1; P.L. 2013, ch. 92, § 1.
RI Gen L § 27-8.2-5 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-8.2 - Stop-Loss Insurance|Section 27-8.2-5 - Effective date.

§ 27-8.2-5. Effective date.This chapter shall become effective with respect to stop-loss insurance policies issued or renewed on or after January 1, 2014.History of Section.P.L. 2013, ch. 86, § 1; P.L. 2013, ch. 92, § 1.
RI Gen L § 27-9-1 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-9 - Casualty Insurance Rating|Section 27-9-1 - Purpose of chapter.

§ 27-9-1. Purpose of chapter.The purpose of this chapter is to promote the public welfare by regulating insurance rates to the end that they shall not be excessive, inadequate, or unfairly discriminatory, and to authorize and regulate cooperative action among insurers in rate making and in other matters within the scope of this chapter. Nothing in this chapter is intended to: (1) prohibit or discourage reasonable competition, or (2) prohibit or encourage, except to the extent necessary to accomplish the stated purpose of this chapter, uniformity in insurance rates, rating systems, or rating plans or practices. This chapter shall be liberally interpreted to carry into effect the provisions of this section.History of Section.P.L. 1948, ch. 2089, § 1; G.L. 1956, § 27-9-1.
RI Gen L § 27-9-2 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-9 - Casualty Insurance Rating|Section 27-9-2 - Applicability.

§ 27-9-2. Applicability.This chapter applies to casualty insurance, including fidelity, surety, and guaranty bonds, and to all other forms of motor vehicle insurance, on risks or operations in this state, except:(1) Reinsurance, other than joint reinsurance to the extent stated in §§ 27-9-34 and 27-9-35;(2) Accident and health insurance; and(3) Insurance against loss of or damage to aircraft, or against liability, other than workers' compensation and employers' liability, arising out of the ownership, maintenance, or use of aircraft.History of Section.P.L. 1948, ch. 2089, § 2; G.L. 1956, § 27-9-2.
RI Gen L § 27-9-3 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-9 - Casualty Insurance Rating|Section 27-9-3 - Insurers covered - Election between regulatory laws.

§ 27-9-3. Insurers covered — Election between regulatory laws.This chapter applies to all insurers, which, under any provision of the laws of this state, write any of the kinds of insurance to which this chapter applies. If any kind of insurance, or subdivision or combination of insurance, or type of coverage, subject to this chapter is also subject to regulation by another rate regulatory act of this state, an insurer to which both acts are applicable shall file with the insurance commissioner, referred to in this chapter as "the commissioner," a designation as to which rate regulatory act shall be applicable to it with respect to that kind of insurance, or subdivision or combination of insurance, or type of coverage.History of Section.P.L. 1948, ch. 2089, § 2; G.L. 1956, § 27-9-3.
RI Gen L § 27-9-4.1 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-9 - Casualty Insurance Rating|Section 27-9-4.1 - Repealed.

§ 27-9-4.1. Repealed.History of Section.P.L. 1982, ch. 369, § 1; Repealed by P.L. 2013, ch. 31, § 4, effective May 24, 2013; P.L. 2013, ch. 36, § 4, effective May 24, 2013.
RI Gen L § 27-9-5 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-9 - Casualty Insurance Rating|Section 27-9-5 - Uniformity among insurers.

§ 27-9-5. Uniformity among insurers.Except to the extent necessary to meet the provisions of § 27-9-4(a)(4), uniformity among insurers in any matter within the scope of § 27-9-4 is neither required nor prohibited.History of Section.P.L. 1948, ch. 2089, § 3; G.L. 1956, § 27-9-5.
RI Gen L § 27-9-5.1 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-9 - Casualty Insurance Rating|Section 27-9-5.1 - Uniform safe driver point system.

§ 27-9-5.1. Uniform safe driver point system.The director of the department of business regulation is authorized and empowered to promulgate rules and regulations regarding a uniform safe driver point system on either a flat dollar rate or on a percentage rate for motor vehicle accidents and/or motor vehicle convictions without regard to age, sex, or the location of the garaging of the motor vehicle. Those rules shall be promulgated in accordance with the Administrative Procedures Act, chapter 35 of title 42.History of Section.P.L. 1978, ch. 136, § 1; P.L. 2006, ch. 106, § 1; P.L. 2006, ch. 132, § 1.
RI Gen L § 27-9-6 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-9 - Casualty Insurance Rating|Section 27-9-6 - Contracts as to commissions or compensation.

§ 27-9-6. Contracts as to commissions or compensation.Nothing in §§ 27-9-4 and 27-9-5 or in this chapter shall abridge or restrict the freedom of contract between insurers and insurance producers with respect to commissions or between insurers and their employees or other persons with respect to compensation for goods or services.History of Section.P.L. 1948, ch. 2089, § 3; G.L. 1956, § 27-9-6.
RI Gen L § 27-9-6.1 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-9 - Casualty Insurance Rating|Section 27-9-6.1 - Approval of policies.

§ 27-9-6.1. Approval of policies.(a) Every insurance company and every rating/advisory organization issuing policies covering casualty insurance provided for in this chapter shall file with the director a copy of the form of the policies proposing to use. A policy may not be issued until the director has approved the form.(b) Any policy form, subject to this chapter and filed by an insurer or rating/advisory organization on behalf of its members or subscribers with the director, shall be deemed public information at the time of filing.History of Section.P.L. 2002, ch. 175, § 2.
RI Gen L § 27-9-7 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-9 - Casualty Insurance Rating|Section 27-9-7 - Filing of rate plans and systems.

§ 27-9-7. Filing of rate plans and systems.Every insurer shall file with the commissioner every manual of classification, rule, rate, rating plan, rating system, and modification of any of these which it proposes to use; provided, that classification rates may be modified without additional filings to produce rates for individual risks which are lower than those filed and which evaluate variations in physical or moral hazards, individual risk experience, or expense provisions, and which are not inadequate or unfairly discriminatory. Every filing shall state the proposed effective date of the plan or system and shall indicate the character and extent of the coverage contemplated. When a filing is not accompanied by the information upon which the insurer supports that filing, and the commissioner does not have sufficient information to determine whether the filing meets the requirements of the chapter, the commissioner may require the insurer to furnish the information upon which it supports the filing. The information furnished in support of a filing may include: (1) the experience or judgment of the insurer or rating organization making the filing, (2) its interpretation of any statistical data it relies upon, (3) the experience of other insurers or rating organizations, or (4) any other relevant factors. A filing and any supporting information shall be open to public inspection.History of Section.P.L. 1948, ch. 2089, § 4; G.L. 1956, § 27-9-7; P.L. 1968, ch. 286, § 1.
RI Gen L § 27-9-7.1 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-9 - Casualty Insurance Rating|Section 27-9-7.1 - Premium reduction for completing a motor vehicle accident prevention course.

§ 27-9-7.1. Premium reduction for completing a motor vehicle accident prevention course.(a) Every schedule of rates, rating plan, or rating system for automobile liability and physical damage insurance filed with the commissioner shall provide for a reduction in premium charges for those persons fifty-five (55) years of age and older who successfully complete a motor vehicle accident prevention course approved by the division of motor vehicles. All insurers shall allow a reduction in the premium deemed appropriate by the commissioner to persons successfully completing that course.(b) Motor vehicle accident prevention courses shall be taught by instructors who may be members of the American Association of Retired Persons, and are certified or approved by the division of motor vehicles. Courses, may be approved which provide for a form of instruction, including, but not limited to, online courses, classroom, or driving instruction for a minimum number of hours determined by the division of motor vehicles. Instructors may or may not receive compensation.(c) Each person who completes an approved course shall be issued a certificate by the course sponsor, provided that person has no chargeable accidents or convictions within a three (3) year period. Any certificate issued shall be valid for a period of two (2) years from its issuance, provided the holder has had no chargeable accidents or convictions within a three (3) year period. Any person who desires to renew or extend a certificate shall be required to successfully complete another course.(d) Nothing provided in this section shall preclude an insurer from increasing the premium or charging an insured a surcharge for motor vehicle accidents and/or motor vehicle convictions during the two (2) year period for which a certificate was issued.(e) This section shall not apply to any group automobile insurance policy under which premiums are broadly averaged for the group rather than determined individually.History of Section.P.L. 1984, ch. 414, § 1; P.L. 2012, ch. 300, § 1; P.L. 2012, ch. 322, § 1.
RI Gen L § 27-9-7.2 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-9 - Casualty Insurance Rating|Section 27-9-7.2 - Premium reduction for antitheft devices.

§ 27-9-7.2. Premium reduction for antitheft devices.Every schedule of rates, rating plan, or rating system for automobile liability and physical damage insurance filed with the commissioner shall provide for an appropriate reduction in premium charges for vehicles equipped with an antitheft mechanism or device approved by the commissioner. The commissioner is authorized to promulgate rules and regulations to carry out the purpose of this section.History of Section.P.L. 1988, ch. 261, § 1.
RI Gen L § 27-9-7.3 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-9 - Casualty Insurance Rating|Section 27-9-7.3 - Rating for nonbusiness policies.

§ 27-9-7.3. Rating for nonbusiness policies.(a) Notwithstanding the requirements of § 27-9-7, a filing made by an insurer under this section that provides for an overall statewide rate increase or decrease of no more than five percent (5%) in the aggregate for all coverages that are subject to the filing may take effect the date it is filed. The five percent (5%) limitation does not apply on an individual insured basis. No more than one rate filing may be made by an insurer pursuant to the expedited process provided in this subsection during any twelve (12) month period, unless a rate filing, when combined with any other rate filing or filings made by an insurer within the preceding twelve (12) months, does not result in an overall statewide increase or decrease of more than five percent (5%) in the aggregate for all coverages that are subject to the filing.(b) Rate filings falling outside of the limitation provided for in subsection (a) of this section shall be subject to § 27-9-9, unless those filings are other exempt from those provisions pursuant to another section of the insurance code.(c) A filing submitted pursuant to subsection (a) of this section is considered to comply with state law. However, if the commissioner of insurance determines that the filing is inadequate or unfairly discriminatory, he/she shall issue a written order specifying in detail the provisions of the insurance code the insurer has violated and the reasons the filing is inadequate or unfairly discriminatory and stating a reasonable future date on which the filing is to be considered no longer effective. An order by the commissioner pursuant to this subsection that is issued more than thirty (30) days from the date on which the commissioner received the rate filing is prospective only and does not affect any contract issued or made before the effective date of the order. For purposes of this act, "unfairly discriminatory" means a rate for a risk that is classified in whole or in part on the basis of race, color, creed or national origin.(d) No rate increase within the limitation specified in subsection (a) of this section may be implemented with regard to an individual existing policy, unless the increase is applied at the time of a renewal or conditional renewal of an existing policy and the insurer, at least thirty (30) days in advance of the end of the insured's policy period, mails or delivers to the named insured, at the address shown in the policy, a written notice that clearly and conspicuously discloses its intention to change the rate. A notice of renewal or conditional renewal that clearly and conspicuously discloses the renewal premium applicable to the policy shall be deemed to be in compliance with this subsection.History of Section.P.L. 2004, ch. 481, § 1.
RI Gen L § 27-9-7.4 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-9 - Casualty Insurance Rating|Section 27-9-7.4 - Automobile insurance - Persons on active duty in United States armed forces.

§ 27-9-7.4. Automobile insurance — Persons on active duty in United States armed forces.An insurer shall not refuse to insure, or continue to insure, limit coverage available to, charge a reinstatement fee for, or increase the premiums for automobile insurance solely because a person failed to maintain insurance for a vehicle owned by the person during the six-month (6) period immediately preceding application if the person certifies, on a form provided by the insurer, that the lapse in coverage was because the person was on active duty in the armed forces of the United States for at least thirty (30) consecutive days and that the vehicle was not driven or moved during the six-month (6) period immediately preceding the application for insurance, or during the period of time the insurance was not maintained, whichever period is shorter.History of Section.P.L. 2016, ch. 376, § 4; P.L. 2016, ch. 392, § 4.
RI Gen L § 27-9-8 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-9 - Casualty Insurance Rating|Section 27-9-8 - Filings by advisory organizations.

§ 27-9-8. Filings by advisory organizations.(a) An insurer may satisfy its obligation to make filings by becoming a member of, or a subscriber to, a licensed advisory organization which makes filings, and by authorizing the director to accept those filings on its behalf; provided, that nothing contained in this chapter shall be construed as requiring any insurer to become a member of, or a subscriber to, any advisory organization.(b) Every advisory organization shall file with the director for approval all prospective loss costs, provisions for special assessments, and all supplementary rating information and every change or amendment or modification of any of these proposed for use in this state. These filings shall be subject to the provisions of chapter 7.1 of this title, relating to workers' compensation insurance.History of Section.P.L. 1948, ch. 2089, § 4; G.L. 1956, § 27-9-8; P.L. 1982, ch. 32, art. 5, § 1; P.L. 1985, ch. 365, § 19; P.L. 1987, ch. 579, § 1; P.L. 1998, ch. 148, § 4.
RI Gen L § 27-9-8.1 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-9 - Casualty Insurance Rating|Section 27-9-8.1 - Advisory organization - Permitted activity.

§ 27-9-8.1. Advisory organization — Permitted activity.Any advisory organization, in addition to other activities not prohibited, is authorized, on behalf of its members and subscribers, to:(1) Develop statistical plans including territorial and class definitions;(2) Collect statistical data from members, subscribers, or any other source;(3) Prepare and distribute prospective loss costs which may include provisions for special assessments;(4) Prepare and distribute factors, calculations, or formulas pertaining to classification, territory, increased limits, and other variables;(5) Prepare and distribute manuals of rating rules and rating schedules that do not include final rates, expense provisions, profit provisions, or minimum premiums;(6) Distribute information that is required or directed to be filed with the director;(7) Conduct research and collect statistics in order to discover, identify, and classify information relating to causes or prevention of losses;(8) Conduct research and collect information to determine the impact of statutory changes upon prospective loss costs and special assessments;(9) Prepare policy forms and endorsements and consult with members, subscribers, and others relative to their use and application;(10) Conduct research and on-site inspections for the purpose of providing risk information relating to individual structures;(11) Conduct on-site inspections to determine rating classifications for individual insured;(12) Establish a committee that may include insurance company representatives to review the determination of the rating classification for individual insured and suggest modifications to the classification system;(13) Collect, compile, and distribute past and current prices of individual insurers and publish that information;(14) Collect and compile exposure and loss experience for the purpose of individual risk experience ratings; and(15) Furnish any other services, as approved by the director, related to those services enumerated in this section.History of Section.P.L. 1998, ch. 148, § 5.
RI Gen L § 27-9-8.2 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-9 - Casualty Insurance Rating|Section 27-9-8.2 - Applicability.

§ 27-9-8.2. Applicability.Except as expressly provided in this chapter and chapter 7.1 of this title, the provisions of this chapter shall not apply to workers' compensation insurance.History of Section.P.L. 1998, ch. 148, § 5.
RI Gen L § 27-9-9 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-9 - Casualty Insurance Rating|Section 27-9-9 - Review of filings.

§ 27-9-9. Review of filings.The commissioner shall review filings as soon as reasonably possible after they have been made in order to determine whether they meet the requirements of this chapter.History of Section.P.L. 1948, ch. 2089, § 4; G.L. 1956, § 27-9-9.