reglab/housing_qa huggingface dataset:
215 ILCS 5/143.29
2021 Illinois Compiled Statutes|Chapter 215 - INSURANCE|215 ILCS 5/ - Illinois Insurance Code.|Article IX - Provisions Applicable To All Companies

 (from Ch. 73, par. 755.29)Sec. 143.29.   (a) The rates and premium charges for every policy of automobile  liability insurance shall include appropriate reductions as determined  by the insurer for any insured  over age 55 upon successful completion of the National Safety Council's  Defensive Driving Course or a motor vehicle accident prevention course, including an eLearning course, that   is found by the Secretary of State to meet or exceed the standards of the  National Safety Council's Defensive Driving Course's 8 hour classroom safety  instruction program.(b) The premium reduction shall remain in effect for the qualifying insured  for a period of 3 years from the date of successful completion of the accident  prevention course, except that the insurer may elect to apply the premium  reduction beginning either with the last effective date of the policy or  the next renewal date of the policy if the reduction will result in a savings  as though applied over a full 3 year period.  An insured who has completed  the course of instruction prior to July 1, 1982 shall receive the insurance  premium reduction  for only the period remaining within the 3 years from course completion.  The period of premium reduction for an insured who has repeated the accident  prevention course shall be based upon the last such course the insured has  successfully completed.(c) Any accident prevention course approved by the Secretary of State  under this Section shall be taught by an instructor approved by the Secretary  of State, shall consist of at least 8 hours of classroom or eLearning equivalent instruction and  shall provide for a certificate of completion.  Records of certification  of course completion shall be maintained in a manner acceptable to the Secretary  of State.(d) Any person claiming eligibility for a rate or premium reduction shall  be responsible for providing to his insurance company the information necessary  to determine eligibility.(e) This Section shall not apply to:(1) any motor vehicle which is a part of a fleet or     is used for commercial purposes unless there is a regularly assigned principal operator.(2) any motor vehicle subject to a higher premium     rate because of the insured's previous motor vehicle claim experience or to any motor vehicle whose principal operator has been convicted of violating any of the motor vehicle laws of this State, until that operator shall have maintained a driving record free of accidents and moving violations for a continuous one year period, in which case such driver shall be eligible for a reduction the remaining 2 years of the 3 year period.(3) any motor vehicle whose principal operator has     had his drivers license revoked or suspended for any reason by the Secretary of State within the previous 36 months.(4) any policy of group automobile insurance under     which premiums are broadly averaged for the group rather than determined individually. (Source: P.A. 102-397, eff. 1-1-22.)
215 ILCS 5/143.30
2021 Illinois Compiled Statutes|Chapter 215 - INSURANCE|215 ILCS 5/ - Illinois Insurance Code.|Article IX - Provisions Applicable To All Companies

 (from Ch. 73, par. 755.30)Sec. 143.30.     Selection of glass replacement or glass repair companies.With reference to every policy of automobile insurance as defined in  Section 143.13(a):(a) An automobile insurer authorized to do business in this State shall  not unreasonably restrict access to automobile glass repair or replacement  facilities by  its policyholders.(b) An automobile insurer may enter into an agreement or agreements with  automobile glass repair or replacement facilities for the purpose of  containing the cost of automobile glass repair or replacement claims.(c) An insurer, or a producer acting on its behalf, shall disclose to an  insured, either orally or in writing, that the insured may freely choose an  automobile glass repair or replacement facility.(d) No such insurance company, producer, or adjuster may engage in any  act or practice of intimidation, coercion, or threat against any insured  person to use a particular facility to provide such services.(e) If a policyholder selects an automobile glass repair or replacement  facility, the insurer shall provide payment to the facility based on a  competitive price, as established by that insurer through competitive bids  or market surveys to determine a fair and reasonable market price for  similar services.  Reasonable deviation from this market price is allowed  based on the facts in each case.    (Source: P.A. 87-1110.)
215 ILCS 5/143.31
2021 Illinois Compiled Statutes|Chapter 215 - INSURANCE|215 ILCS 5/ - Illinois Insurance Code.|Article IX - Provisions Applicable To All Companies

Sec. 143.31.     Uniform medical claim and billing forms.(a) The Director shall prescribe by rule, after consultation with providers  of health care or treatment, insurers, hospital, medical, and dental service  corporations, and other prepayment organizations, insurance claim and billing  forms that the Director determines will provide for uniformity and simplicity  in insurance claims handling.  The claim forms shall include, but need not be  limited to, information regarding the medical diagnosis, treatment, and  prognosis of the patient, together with the details of charges incident to the  providing of care, treatment, or services, sufficient for the purpose of  meeting the proof requirements of an insurance policy or a hospital, medical,  or dental service contract.(b) An insurer or a provider of health care treatment may not refuse to  accept a claim or bill submitted on duly promulgated uniform claim and billing  forms.  An insurer, however, may accept claims and bills submitted on any other  form.(c) Accident and health insurer explanation of benefits paid statements or  claims summary statements sent to an insured by the accident and health insurer  shall be in a format and written in a manner that promotes understanding by  the  insured by setting forth all of the following:(1) The total dollar amount submitted to the insurer     for payment.(2) Any reduction in the amount paid due to the     application of any co-payment or deductible, along with an explanation of the amount of the co-payment or deductible applied under the insured's policy.(3) Any reduction in the amount paid due to the     application of any other policy limitation or exclusion set forth in the insured's policy, along with an explanation thereof.(4) The total dollar amount paid.(5) The total dollar amount remaining unpaid.(d) The Director may issue an order directing an accident and health insurer  to comply with subsection (c).(e) An accident and health insurer does not violate subsection (c) by using  a document that the accident and health insurer is required to use by the  federal government or the State.(f) The adoption of uniform claim forms and uniform billing forms by the  Director under this Section does not preclude an insurer, hospital, medical, or  dental service corporation, or other prepayment organization from obtaining any  necessary additional information regarding a claim from the claimant, provider  of health care or treatment, or certifier of coverage, as may be required.(g) On and after January 1, 1996 when billing insurers or otherwise filing  insurance claims with insurers subject to this Section, providers of health  care or treatment, medical services, dental services, pharmaceutical services,  or medical equipment must use the uniform claim and billing forms adopted by  the Director under this Section.    (Source: P.A. 91-357, eff. 7-29-99.)
215 ILCS 5/143.32
2021 Illinois Compiled Statutes|Chapter 215 - INSURANCE|215 ILCS 5/ - Illinois Insurance Code.|Article IX - Provisions Applicable To All Companies

Sec. 143.32.     Replacement of child restraint systems.     A policy of  automobile  insurance, as defined in Section 143.13, that is amended, delivered, issued, or  renewed  after the effective date of this amendatory Act of the 91st General Assembly  must include  coverage for replacement of a child restraint system that was in use by a child  during an  accident to which coverage is applicable. As used in this Section, "child  restraint system"  has the meaning given that term in the Child Passenger Restraint Act.    (Source: P.A. 91-749, eff. 6-2-00.)
215 ILCS 5/143.33
2021 Illinois Compiled Statutes|Chapter 215 - INSURANCE|215 ILCS 5/ - Illinois Insurance Code.|Article IX - Provisions Applicable To All Companies

Sec. 143.33. Electronic posting of policies.(a) Policies and endorsements used by a company for transacting insurance as classified in Class 2 and Class 3 of Section 4 of this Code that do not contain personally identifiable information may be mailed, issued, delivered, or posted on the insurer's Internet website.  If the insurer elects to post the insurance policies and endorsements on its Internet website in lieu of mailing, issuing, or delivering them to the insured, then the insurer must comply with all of the following conditions:(1) The policy and endorsements must be easily     accessible to the insured and the producer of record and remain that way for as long as the policy is in force;(2) After the expiration of the policy, the insurer     must archive its expired policies and endorsements for the longer of  5 years or other period required by law, and make them available upon request;(3) The policies and endorsements must be posted in a     manner that enables the insured and the producer of record to print and save the policy and endorsements using programs or applications that are widely available on the Internet and free to use;(4) At the time of issuance of the original policy     and any renewals of that policy, the insurer provides to the insured in the manner it customarily provides declarations pages to the insured, and to the producer of record,  the following information clearly displayed in or simultaneously with a declarations page:(A) a description of the exact policy and         endorsement forms purchased by the insured;(B) a method by which the insured may obtain from         the insurer, upon request and without charge, a paper copy of their policy and endorsements; and(C) the Internet address where their policy and         endorsements are posted.(5) The insurer provides to the insured in the manner     it customarily provides declarations pages to the insured,  and to the producer of record, notice of any changes to the forms or endorsements; the insured's right to obtain from the insurer, upon request and without charge, a paper copy of these forms or endorsements; and the Internet address where these forms or endorsements are posted.(b) Nothing in this Section shall prevent an insurer that posts its policies and endorsements electronically in accordance with this Section from offering a discount to an insured who elects to receive notices and documents electronically in accordance with the provisions of the federal Electronic Signatures in Global and National Commerce Act.(c) Nothing in this Section affects the timing or content of any disclosure or other document required to be provided or made available to any insured under any statute, rule, regulation, or rule of law.   (Source: P.A. 98-521, eff. 8-23-13.)
215 ILCS 5/143b
2021 Illinois Compiled Statutes|Chapter 215 - INSURANCE|215 ILCS 5/ - Illinois Insurance Code.|Article IX - Provisions Applicable To All Companies

 (from Ch. 73, par. 755b)Sec. 143b.         Any insurance carrier whose payment to its insured is reduced by a  deductible amount under a policy providing collision coverage is  subrogated to its insured's entire collision loss claim including the  deductible amount unless the deductible amount has been otherwise  recovered by the insured, but if the deductible amount has been  otherwise recovered by the insured it shall not be included in the  subrogated loss claim and shall be excluded from the amount of loss  pleaded. If the deductible amount is included  in the subrogated loss  claim the insurance carrier shall pay the full pro rata deductible share to its  insured out of the net  recovery on the subrogated claim. Administrative  expenses of the insurance carrier  cannot be deducted from the gross recovery, and only incurred expenses of  the carrier, such as attorney's fees, collection fees and adjuster's fees,  may be deducted therefrom to determine the net recovery.  When the insurance  carrier is recovering directly from a third party a claim by means of installments,  the insured shall receive his full  pro rata deductible share as soon as such amount is collected and before  any part of such recovery is applied to any other use.     (Source: P.A. 83-588.)
215 ILCS 5/143c
2021 Illinois Compiled Statutes|Chapter 215 - INSURANCE|215 ILCS 5/ - Illinois Insurance Code.|Article IX - Provisions Applicable To All Companies

 (from Ch. 73, par. 755c)Sec. 143c.         No insurance policy authorized under Class 1, 2 or 3 of Section  4 of this Code shall be delivered in this State unless the policyholder  or certificate holder is provided written notice of:(1) the address of the complaint department of the     insurance company; and(2) the address of the Public Service Division of the     Department of Insurance or its successor.The Director may, by rule, exempt certain types of insurance policies from  the provisions of this Section whenever the application of this Section  in such cases would be unwarranted or unduly burdensome in view of any benefit  to the public.     (Source: P.A. 80-823.)
215 ILCS 5/143d
2021 Illinois Compiled Statutes|Chapter 215 - INSURANCE|215 ILCS 5/ - Illinois Insurance Code.|Article IX - Provisions Applicable To All Companies

 (from Ch. 73, par. 755d)Sec. 143d.     Customer affairs and information department.(a) Every company licensed to issue policies of insurance as defined in  subsections (a) and (b) of Section 143.13 shall establish a customer  affairs and information department to respond to policyholder inquiries  and complaints.  The department shall be staffed by an employee or  employees generally knowledgeable in the affairs and operations of the  company.  The department shall be located in either the home, regional, or  branch office of the company and must, during regular business hours,  either maintain a toll free telephone number or permit policyholders to  call a designated telephone number at the company's expense.  The telephone  numbers shall be made available to policyholders in accordance with  Section 143(c).(b) The customer affairs and information department shall provide  information and services that may reasonably be requested by policyholders  who are residents of this State and must respond promptly to complaints  made by policyholder.  Companies must provide a written response to written  inquiries and complaints within 21 days of receipt.(c) Records of the customer affairs and information department shall be  maintained in compliance with Department of Insurance regulations.    (Source: P.A. 86-1407.)
215 ILCS 5/144.1
2021 Illinois Compiled Statutes|Chapter 215 - INSURANCE|215 ILCS 5/ - Illinois Insurance Code.|Article IX - Provisions Applicable To All Companies

 (from Ch. 73, par. 756.1)Sec. 144.1.         Insurance Sales by Insolvent or Impaired Companies  Prohibited.) (1) Unless allowed by the Director, no foreign or alien  company officer, director, trustee,  agent, or employee of such company may renew, issue or deliver or cause  to be renewed, issued or delivered, any policy, contract or certificate  of insurance in this State, nor may any domestic company, officer,  director, trustee, agent or employee of such company renew, issue or  deliver or cause to be renewed, issued or delivered, any policy,  contract or certificate of insurance, for which a premium is charged or  collected, when the company writing such insurance is insolvent or  impaired and the fact of such insolvency or impairment is known to the  company officer, director, trustee, agent or employee of such company. A  company is impaired when its assets are less than its capital, minimum  required surplus and all liabilities.However, the existence of an impairment does not prevent the issuance  or renewal of a policy when an insured or owner exercises an option  granted to him under an existing policy to obtain new, renewed or  converted insurance coverage.(2) Any company officer, director, trustee, agent, or employee of  such company violating this Section shall be guilty of a Class A  misdemeanor.    (Source: P.A. 82-498.)
215 ILCS 5/144.2
2021 Illinois Compiled Statutes|Chapter 215 - INSURANCE|215 ILCS 5/ - Illinois Insurance Code.|Article IX - Provisions Applicable To All Companies

 (from Ch. 73, par. 756.2)Sec. 144.2.     Notification of insurance business.(a) Upon notice by the Director, a company having direct premium income must file with the Director supplemental  information regarding its  insurance business.  The Director shall by rule  establish standards  to determine the companies to be given notice.(b) The notice prescribed by this Section may require the company to provide  information concerning, but not limited to, the following:(1) adequacy of rates;(2) marketing methodology and acquisition expenses;(3) underwriting standards;(4) recordkeeping and statistical systems;(5) claim systems and claim reserving systems;(6) reinsurance; and(7) the general financial condition of the company.    (Source: P.A. 90-381, eff. 8-14-97.)
215 ILCS 5/145
2021 Illinois Compiled Statutes|Chapter 215 - INSURANCE|215 ILCS 5/ - Illinois Insurance Code.|Article IX - Provisions Applicable To All Companies

 (from Ch. 73, par. 757)Sec. 145.     Deposits.When any company is required by the laws of this State or of any state  or country, or by other competent authority, to make a deposit with an  insurance supervising official or other financial officer and the company  desires to make such deposit in this State the Director shall accept such  deposit, if made in securities authorized for investment by Article VIII  of this Code. So long as the company continues solvent and complies with  the laws of this State it may collect the income on such securities. The  company may substitute therefor other like securities as prescribed by this  Code for deposit. If the value of securities deposited by any company shall  decline below the amount so required, the company shall make a further  deposit.    (Source: Laws 1959, p. 1431.)
215 ILCS 5/146
2021 Illinois Compiled Statutes|Chapter 215 - INSURANCE|215 ILCS 5/ - Illinois Insurance Code.|Article IX - Provisions Applicable To All Companies

 (from Ch. 73, par. 758)Sec. 146.         Withdrawal  of deposits.(1) The Director shall at any time upon request release to a company any  portion of its deposit which is not required as a compliance with the  conditions of this Code.(2) When all of the business of a company has been reinsured in  accordance with this Code and the assets thereof by contract assigned to  another company, the Director may deliver to the reinsured company or to  its assigns under the contract of reinsurance after one year from the  effective date of such reinsurance contract, all the securities deposited  by the reinsured company upon compliance with the following conditions:(a) The reinsuring company under the reinsurance contract has assumed  all liabilities of every kind due and to become due which the deposit of  the reinsured company was made to secure or adequate provision has been  made therefor;(b) The said reinsuring company shall have and maintain a deposit in  this State or with the department or official charged with the duty of  supervising the business of insurance in the state where it is incorporated  or, if an alien company, where it is entered, in securities authorized by  this Code as lawful investments of the company and in an amount and value  not less than the deposit formerly required of the reinsured company by  this Code; and(c) The deposit of the said reinsuring company shall be such that it  will subsist for the security of all the obligations of the reinsuring  company.    (Source: Laws 1937, p. 696.)
215 ILCS 5/147
2021 Illinois Compiled Statutes|Chapter 215 - INSURANCE|215 ILCS 5/ - Illinois Insurance Code.|Article IX - Provisions Applicable To All Companies

 (from Ch. 73, par. 759)Sec. 147.         Deceptive  statements as to assets prohibited.No company doing business in this State or agent thereof, shall state or  represent by advertisement in any newspaper, periodical, magazine or over  the radio, or by any sign, circular, card, policy of insurance or  certificate of renewal thereof or otherwise that any funds or assets are  owned by such company which are not actually owned by it and available for  the payment of losses and claims and held for the protection of its  policyholders and creditors.    (Source: Laws 1937, p. 696.)
215 ILCS 5/148
2021 Illinois Compiled Statutes|Chapter 215 - INSURANCE|215 ILCS 5/ - Illinois Insurance Code.|Article IX - Provisions Applicable To All Companies

 (from Ch. 73, par. 760)Sec. 148.         Contents  of advertisements as to financial condition.(1) No company authorized to do business in this State shall cause to be  inserted in any newspaper, periodical, magazine or other publication, any  advertisement purporting to set forth in figures its financial standing  unless the figures exhibited in such advertisement correspond to the  figures contained in the next preceding verified statement made to the  Director and unless there is set forth either(a) the total amount of the capital actually paid in, the total value of  the admitted assets owned, the total amount of the liabilities, including  therein the reserves required by law and the amount of the net surplus of  assets over liabilities actually available for the payment of losses and  claims and held for the protection of policyholders; or(b) the capital paid in or the surplus, separately or combined.(2) No alien company authorized to do business in this State shall cause  to be inserted in any newspaper, periodical or magazine any advertisement  purporting to set forth in figures its financial standing, unless the  figures exhibited in such advertisement correspond to the figures contained  in the next preceding verified statement made to the Director by the United  States Branch of such company and unless there is set forth the total  amount of the capital and assets held by its United States Branch, the  total amount of its liabilities, including therein the reserves required by  law and the total amount of the net surplus of assets over all liabilities  actually available for the payment of losses and claims and held for the  protection of its policyholders in the United States; provided that any  life company organized under the laws of the Dominion of Canada or any  province thereof may use in its advertising a statement of its total  business and condition in all countries if such statement is accompanied by  a statement showing the amount of its total assets and total liabilities in  the United States, corresponding to the figures contained in the next  preceding statement of such company filed with the Director.(3) Any company violating any provision of this section, and any officer  or director thereof knowingly participating in or abetting such violation,  shall be guilty of a business offense and shall be required to pay a  penalty of not less than five hundred dollars nor more than one thousand  dollars, to be recovered in the name of the People of the State of Illinois  by the State's Attorney of the county in which the violation occurs and the  penalty so recovered shall be paid into the county treasury.    (Source: P.A. 77-2699.)