reglab/housing_qa huggingface dataset:
NY Ins L § 340 (2021)
2021 New York Laws ISC - Insurance Article 3 - Administrative and Procedural Provisions 340 - Report of Claims That May Result in a Monetary Award.

§  340.  Report  of  claims  that  may result in a monetary award. (a) Definition; for the purposes of this section:   "Central reporting organization" shall mean any entity which  receives from,  assimilates  or  disseminates  information  to  insurers  or  the department of social services regarding bodily  injury,  wrongful  death and death benefits.  (b)  Insurers  shall  report  within  a reasonable period of time to a central reporting organization of its  choosing  all  claims  filed  for bodily  injury, wrongful death and death benefits under any policy which provides coverage for liability for injury to person, except claims  for medical  malpractice,  workers'  compensation or other similar insurance required by law, and comprehensive motor vehicle  insurance  reparations benefits.   The central reporting organization shall in turn report this information to the department of social services.  (c) An insurer shall be deemed to  be in compliance with this  section if  such  information was reported within a reasonable period of time to the central reporting organization with which the insurer contracts.  (d) In the absence of fraud or bad faith for failure to make  or  file any  report  pursuant to this section, no person subject to this section or acting under authority of this section  shall  be  subject  to  civil liability,  and no civil cause of action shall arise against such person for the furnishing of any information pursuant to this section.  Nothing herein shall abrogate or  modify  in  any  way  an  immunity  privilege, provided in statute or by common law.  (e)  No  person  making  any  report pursuant to this section shall be compelled to provide such information, or any  report  thereof,  to  the superintendent.  (f)  Insurers  or  central reporting organizations complying with this section shall have immunity in accordance  with  provisions  of  section 50.20 of the criminal procedure law.  (g) Personally identifying information about applicants and recipients of  public assistance obtained through the establishment or operation of any reporting program established by this section by the  department  of social  services,  social services districts or by a contractor shall be kept confidential in accordance with section one hundred  thirty-six  of the  social services law and the regulations of the department of social services.
NY Ins L § 341 (2021)
2021 New York Laws ISC - Insurance Article 3 - Administrative and Procedural Provisions 341 - Notification Regarding Qualified Health Insurance Plans.

§ 341. Notification regarding qualified health insurance plans. Within   fifteen  days  of the effective date of this section, the superintendent   shall notify the centers for Medicare and  Medicaid  services  that  New   York  state  elects  to  have  policies issued pursuant to sections four   thousand  three  hundred  twenty-one,  four   thousand   three   hundred   twenty-two and four thousand three hundred twenty-six of this chapter as   "qualified  health  insurance"  for  the purpose of assistance under the   federal Trade Adjustment Assistance Reform Act of 2002.
NY Ins L § 342 (2021)
2021 New York Laws ISC - Insurance Article 3 - Administrative and Procedural Provisions 342 - Public Awareness to Finance Long Term Care.

§  342.  Public  awareness  to finance long term care. The department,   department of health, office for the aging and  department  of  taxation   and finance may jointly establish and conduct a public awareness program   on  the  availability and coverage provided by life insurance and health   insurance plans for long term care, and the provisions  of  various  tax   credits therefor.
NY Ins L § 344 (2021)
2021 New York Laws ISC - Insurance Article 3 - Administrative and Procedural Provisions 344 - Mental Health and Substance Use Disorder Parity Compliance Programs.

§  344.  Mental  health  and  substance use disorder parity compliance   programs. Penalties collected for violations of section  three  thousand   two  hundred  sixteen,  three  thousand  two hundred twenty-one and four   thousand three hundred three of this chapter related  to  mental  health   and  substance  use  disorder  parity compliance shall be deposited in a   fund established pursuant to section ninety-nine-hh of the state finance   law.
NY Ins L § 345 (2021)
2021 New York Laws ISC - Insurance Article 3 - Administrative and Procedural Provisions 345 - Health Care Claims Reports.

§  345.  Health  care  claims  reports. An insurer authorized to write   accident and health insurance in  the  state,  a  corporation  organized   pursuant to article forty-three of this chapter, or a health maintenance   organization  certified  pursuant  to  article  forty-four of the public   health law shall report to the superintendent quarterly and annually  on   health  care  claims  payment  performance with respect to comprehensive   health insurance coverage. The reports shall be submitted in the  manner   and  form  prescribed  by  the  superintendent  after  consultation with   representatives of insurers and health care  providers  but  at  minimum   shall include the number and dollar value of health care claims by major   line  of  business  and  categorized  as  follows:  health  care  claims   received, health care claims paid, health care claims pended and  health   care claims denied during the respective quarter or year. The data shall   be  provided  in  the  aggregate  and  by  major category of health care   provider. The reports should address any patterns or suspected areas  of   revenue maximization that may have contributed to the number of denials.   The  reports shall be due to the superintendent no later than forty-five   days after the end of the respective quarter or year and shall  be  made   publicly   available   including   on   the  department's  website.  The   superintendent, in conjunction with  the  commissioner  of  health,  may   promulgate  regulations  requiring  additional reporting requirements on   insurers, corporations, or health maintenance  organizations  or  health   care  providers  to assess the effectiveness of the payment policies set   forth in this section, which  may  be  informed  by  the  administrative   simplification  workgroup  authorized by subsection (k) of section three   thousand two hundred twenty-four-a of this chapter.
NY Ins L § 401 (2021)
2021 New York Laws ISC - Insurance Article 4 - Insurance Frauds Prevention 401 - Title; Legislative Declaration and Purpose.

§  401. Title; legislative declaration and purpose. This article shall be known and may be cited as the "insurance frauds prevention act".  (a) The legislature finds and declares that the business of  insurance directly  and indirectly affects all sectors of the public, business and government. It further finds that the business of  insurance,  including organization and licensing, the issuance of policies, and the adjustment and  payment  of claims and losses, involve many transactions which have potential for abuse and illegal activities.  (b) Arson for insurance fraud is a particularly damaging crime against society, destroying lives, property and neighborhoods. Insurance  losses resulting  from  arson  are  reflected  in  higher  premiums  charged to residents of this state.  (c)  This  article  establishes   a   framework   within   which   the superintendent  and  the  department  can more effectively assist in the elimination of arson  for  insurance  fraud.  That  increased  capacity, together  with  a  more  effective  monitoring  of  fire loss claims and payments by the insurance industry  through  centralized  reporting  and oversight, is intended to make it more difficult to perpetrate the crime of insurance fraud by arson.
NY Ins L § 404 (2021)
2021 New York Laws ISC - Insurance Article 4 - Insurance Frauds Prevention 404 - Procedures.

§  404.  Procedures.   (a) If the superintendent has reason to believe that a person has engaged in, or is  engaging  in,  an  act  defined  in section  155.05 of the penal law, with respect to personal or commercial insurance transactions, the business of life settlements, section 176.05 or section  176.40  of  such  law,  the  superintendent  may  make  such investigation  within  or without this state as the superintendent deems necessary to aid in the enforcement of  this  chapter  or  to  determine whether  any  person  has  violated  or  is  about  to  violate any such provision of the penal law.  (b) A person having material located outside the state  and  requested by the superintendent may make it available to the superintendent or his representative  to  be  examined  at  the place where it is located. The superintendent may designate representatives, including officials of the state in which the material is located, to inspect the material  on  his behalf,  and  he may respond to similar requests from officials of other states.
NY Ins L § 405 (2021)
2021 New York Laws ISC - Insurance Article 4 - Insurance Frauds Prevention 405 - Reports.

§  405. Reports. (a) Any person licensed or registered pursuant to the provisions of this chapter, and any person engaged in  the  business  of insurance  or  life  settlement  in  this  state  who  is  exempted from compliance with the licensing requirements of  this  chapter,  including the  state  insurance fund of this state, who has reason to believe that an insurance transaction or life settlement act may  be  fraudulent,  or has knowledge that a fraudulent insurance transaction or fraudulent life settlement  act is about to take place, or has taken place shall, within thirty days after determination by  such  person  that  the  transaction appears  to  be  fraudulent,  send  to  the  superintendent  on  a  form prescribed by the superintendent, the information requested by the  form and such additional information relative to the factual circumstances of the  transaction  and  the  parties  involved  as the superintendent may require. The superintendent shall accept reports of suspected fraudulent insurance transactions or fraudulent life settlement acts from any  self insurer,  including  but  not  limited to self insurers providing health insurance coverage or those defined in section  fifty  of  the  workers' compensation  law,  and  shall  treat such reports as any other received pursuant to this section.  (b) The superintendent shall review each  report  and  undertake  such further  investigation  as the superintendent deems necessary and proper to determine the validity of the allegations.
NY Ins L § 407 (2021)
2021 New York Laws ISC - Insurance Article 4 - Insurance Frauds Prevention 407 - Other Law Enforcement Authority, Powers and Duties Not Affected or Impaired.

§ 407. Other law enforcement authority, powers and duties not affected or impaired. This article shall not:  (a) Preempt the authority or relieve the duty of other law enforcement agencies to investigate and prosecute suspected violations of law.  (b)  Prevent  or  prohibit  a  person  from voluntarily disclosing any information concerning violations of this article to any law enforcement agency.  (c) Limit any of the powers granted  elsewhere  in  this  chapter  and other  laws  to  the  superintendent  or  the  department to investigate possible violations of this chapter and take appropriate action  against wrongdoers.
NY Ins L § 501 (2021)
2021 New York Laws ISC - Insurance Article 5 - Certificates of Insurance 501 - Definitions.

§ 501. Definitions. For purposes of this article:  (a)  "Certificate" or "certificate of insurance" means any document or instrument, or addendum thereto  no  matter  how  titled  or  described, prepared  or  issued  by an insurer or insurance producer as evidence of property/casualty insurance coverage. "Certificate" or  "certificate  of insurance"  shall  not  include  a  policy  of insurance or an insurance binder.  (b) "Certificate holder" means any person, other than a  policyholder, that is identified on the certificate as a certificate holder.  (c)  "Insurance producer" has the meaning ascribed to it by subsection (k) of section two thousand one hundred one of this chapter.  (d) "Insurer" means any person "doing an  insurance  business"  within the meaning of this chapter.  (e)   "Person"   means   any   individual,  partnership,  corporation, association, or other entity, but shall  not  include  any  governmental entity,  or any agency, board, bureau, commission, department, division, institution, office, or public authority of a state, federal or  foreign government.  (f)  "Governmental  entity"  means  any  public  entity  as defined in paragraph fifty-one of subsection (a) of section one  hundred  seven  of this  chapter,  any  state  authority  as  defined in subdivision one of section two of the  public  authorities  law,  any  local  authority  as defined in subdivision two of section two of the public authorities law, and  any interstate or international authority as defined in subdivision three of section two of the public authorities law  and  any  individual acting  in  his  or  her  capacity  as  an employee, officer, or elected official of any such governmental entity.  (g) "Policyholder" means a person who has contracted with  an  insurer for property/casualty insurance coverage.  (h)  "Property/casualty  insurance"  means a kind of insurance that is either a basic kind of insurance or a non-basic kind  of  insurance,  as such  terms are defined in section four thousand one hundred one of this chapter, but shall not include  a  kind  of  insurance  specified  under paragraph  three or thirty-one of subsection (a) of section one thousand one hundred thirteen of this chapter.
NY Ins L § 502 (2021)
2021 New York Laws ISC - Insurance Article 5 - Certificates of Insurance 502 - Prohibitions.

§ 502. Prohibitions. In this state:  (a)  With  respect  to  a  certificate  of insurance evidencing that a policy provides personal injury liability insurance or  property  damage liability  insurance,  as defined in paragraphs thirteen and fourteen of subsection (a) of section one thousand  one  hundred  thirteen  of  this chapter,  no  person or governmental entity shall wilfully require, as a condition of awarding a contract for work, or if a contract has  already been  awarded  as a condition for work to commence or continue under the contract, or if the contract has been performed or  partially  performed as  a  condition for payment to be made under the contract, the issuance of a certificate of insurance unless the certificate is:  (1) a form promulgated by the insurer issuing the policy referenced in the certificate of insurance; or  (2) a standard certificate of insurance form  issued  by  an  industry standard-setting organization and approved for use by the superintendent or any other form approved for use by the superintendent.  (b)  No  person  or  governmental  entity  shall  wilfully require the inclusion of terms,  conditions  or  language  of  any  kind,  including warranties or guarantees, that the insurance policy provides coverage or otherwise sets forth terms and conditions in a certificate of insurance, if the insurance policy referenced by such certificate of insurance does not   expressly  include  such  terms,  conditions,  or  language.  This subsection shall not prohibit any person  or  governmental  entity  from including  minimum  insurance  requirements,  coverage limits, terms, or other conditions in the solicitation of bids as part  of  a  competitive process,  and  it  shall  not prohibit any person or governmental entity from requesting, or an insurer or insurance producer from responding  to such a request with, clarification regarding the terms of the policy, or endorsement thereto.  (c)  A  certificate of insurance shall not amend, extend, or alter the coverage provided by the insurance policy to which  the  certificate  of insurance  makes reference. A certificate of insurance shall further not confer to any person any rights beyond those expressly provided  by  the policy of insurance referenced therein.
NY Ins L § 503 (2021)
2021 New York Laws ISC - Insurance Article 5 - Certificates of Insurance 503 - Enforcement.

§  503.  Enforcement.  If  the  superintendent finds, after notice and   hearing, that any person, other than a governmental entity, has wilfully   violated this article, then the superintendent may order the  person  to   pay  to  the  people  of  this  state a penalty in a sum of one thousand   dollars for the first  violation  and  two  thousand  dollars  for  each   subsequent violation.
NY Ins L § 504 (2021)
2021 New York Laws ISC - Insurance Article 5 - Certificates of Insurance 504 - Rules and Regulations.

§  504.  Rules  and regulations. The superintendent may adopt rules or   regulations as the superintendent considers appropriate to carry out the   provisions of this article.
NY Ins L § 1103 (2021)
2021 New York Laws ISC - Insurance Article 11 - Licensing of Insurers 1103 - Duration of Licenses.

§  1103.  Duration of licenses. (a) Every license issued to a domestic insurer shall be for an  indefinite  term  and  shall  expire  with  the expiration or termination of its corporate existence.  (b)  Every  license,  including  every  renewal  license,  issued to a foreign or alien insurer shall be for a term expiring on June  thirtieth following the date of issuance, except that at any time after a licensed foreign  or  alien  insurer  has  filed its annual statement pursuant to section three hundred seven of this chapter the superintendent may issue to such insurer a renewal license for the next year.
NY Ins L § 1105 (2021)
2021 New York Laws ISC - Insurance Article 11 - Licensing of Insurers 1105 - Voluntarily Ceasing to Maintain License.

§  1105.  Voluntarily  ceasing to maintain license. When an authorized   insurer proposes to cease to maintain its existing licensing  status  in   this  state,  the  insurer  shall at least forty-five days prior to such   proposed action submit to the  superintendent  a  plan  to  protect  the   interests  of  the  people of this state. Such proposed action shall not   become  effective  without  the   approval   of   such   plan   by   the   superintendent.  The  plan shall include requirements and procedures for   meeting  the  insurer's  contractual  obligations,  providing   security   protection  in  the  event  of  a subsequent insolvency, and meeting any   applicable statutory obligations, including its obligations pursuant  to   articles  fifty-three,  fifty-four  and fifty-five of this chapter. Such   plan shall be in compliance with a regulation to be promulgated  by  the   superintendent.  A  plan  may  request  that the insurer be permitted to   continue or service a life insurance policy  or  annuity  contract  from   outside  this  state  by  telephone,  video call, facsimile, web portal,   electronic transfer of funds,  or  by  any  other  electronic  means  as   approved by the superintendent pursuant to subparagraph (C) of paragraph   two  of  subsection  (b) of section one thousand one hundred one of this   article. In order to protect the interests of the people of this  state,   the  superintendent may require the deposit of securities in this state,   in trust, in the name of the superintendent.
NY Ins L § 1107 (2021)
2021 New York Laws ISC - Insurance Article 11 - Licensing of Insurers 1107 - Licenses for Unincorporated Insurers.

§  1107. Licenses for unincorporated insurers. (a) No individual shall be or remain licensed to write fidelity and surety insurance who, in any court of this state having criminal  jurisdiction  or  in  any  criminal action  or proceeding, deposits money or property as bail for another or executes as surety any bail bond.  (b) No individual shall be or  remain  licensed  to  do  an  insurance business,  as an insurer unless he is a resident of this state, complies with all requirements of this chapter as to capital, surplus,  reserves, liabilities,  investments,  deposits  and  other  financial requirements imposed upon insurers  doing  the  same  kinds  of  insurance  business, confines  his  business  exclusively  to  such  insurance  business  and business authorized pursuant  to  the  provisions  of  this  chapter  as incidental  thereto,  and  in  all respects conforms to all requirements imposed upon such insurance companies, except as to corporate  existence and  requirements  incidental  thereto.  No  individual insurer shall do business under a corporate or fictitious name or under any  name,  style or title other than the true name of such individual.  (c)  This  section  shall  not affect the authority to do an insurance business conferred upon a  reciprocal  insurer  or  Lloyds  underwriters pursuant to article sixty-one of this chapter.
NY Ins L § 1109 (2021)
2021 New York Laws ISC - Insurance Article 11 - Licensing of Insurers 1109 - Limited Exemption for Health Maintenance Organizations.

§ 1109. Limited exemption for health maintenance organizations. (a) An organization  complying with the provisions of article forty-four of the public health law may operate without being licensed under this  chapter and without being subject to any provisions of this chapter, except: (1) to  the extent that such organization must comply with the provisions of this chapter by virtue of  such  article,  and  (2)  the  provisions  of sections  three  hundred  eight,  one  thousand  three  hundred one, one thousand three hundred  two,  one  thousand  three  hundred  seven,  one thousand  three  hundred  twenty-two,  with regard to health maintenance organizations  that  are  domiciled  in  this  state  and  certified  or operating  in  at least one other state, two thousand one hundred three, two thousand one hundred twelve, two thousand one hundred fourteen,  two thousand  one  hundred  fifteen, two thousand one hundred seventeen, two thousand one hundred twenty-three, two thousand six hundred eight-a, two thousand six hundred twelve, three thousand two  hundred  twenty-four-a, four   thousand   three  hundred  eight,  four  thousand  three  hundred seventeen, four thousand three hundred  eighteen,  four  thousand  three hundred  twenty,  four  thousand three hundred twenty-one, four thousand three hundred twenty-two and four thousand three hundred twenty-three of this chapter.  (b) An organization which provides health care services for a periodic fee paid in advance but which does not comply  with  the  provisions  of article  forty-four  of  the  public  health  law  shall be deemed to be engaged in the business of insurance and may not operate  without  being licensed under this chapter.  (c)  An organization referred to in subsection (a) or (b) hereof shall be subject to article seventy-four of this chapter.  (d)  A  health  maintenance  organization  may  make  any   investment permitted for a health service corporation organized pursuant to article forty-three  of  this  chapter  provided  that the superintendent, after consultation with the commissioner of health, may modify such investment requirements, if such modification would permit the organization to more effectively implement its program without incurring undue  risk  to  its subscribers.  (e)  The superintendent may promulgate regulations in effectuating the purposes and provisions of this chapter and article  forty-four  of  the public  health  law  and  may  modify  requirements  applicable  to  the contracts between a health maintenance organization and its subscribers, subject to such limitations as the superintendent shall  deem  necessary or proper to insure the performance of such contracts.