reglab/housing_qa huggingface dataset:
AR Code § 23-74-705 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 74 - Fraternal Benefit Societies|Subchapter 7 - Miscellaneous|§ 23-74-705. Applicability of other code provisions

 In addition to those contained in this chapter, the following provisions of this code shall also apply to fraternal benefit societies to the extent as applicable:   (1) Sections 23-60-101 — 23-60-108 and 23-60-110, general provisions;  (2) Section 23-61-101 et seq., § 23-61-201 et seq., and § 23-61-301 et seq., the State Insurance Department;  (3) Section 23-61-401, license and miscellaneous fees;  (4) Section 23-65-101 et seq., § 23-65-201 et seq., and § 23-65-301 et seq., unauthorized insurers and surplus lines;  (5) Sections 23-68-101 — 23-68-113 and 23-68-115 — 23-68-132, rehabilitation and liquidation; and  (6) Section 23-79-208, damages and attorney's fees on loss claims.
AR Code § 23-79-101 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 79 - Insurance Policies Generally|Subchapter 1 - General Provisions|§ 23-79-101. Definitions

 As used in this chapter:   (1) “Excepted benefits” means benefits under one (1) or more, or any combination thereof, of the following:  (A) Benefits not subject to requirements, including without limitation:  (i) Coverage only for accident or disability income insurance, or any combination thereof;  (ii) Coverage issued as a supplement to liability insurance;  (iii) Liability insurance, including general liability insurance and automobile liability insurance;  (iv) Workers' compensation or similar insurance;  (v) Automobile medical payment insurance;  (vi) Credit-only insurance; and  (vii) Other similar insurance coverage, specified in regulations, under which benefits for medical care are secondary or incidental to other insurance benefits;    (B) Limited-scope dental or vision benefits;  (C) Benefits for long-term care, nursing home care, home health care, community-based care, or any combination thereof;  (D) Coverage only for a specified disease or illness;  (E) Hospital indemnity or other fixed indemnity insurance; and  (F) Medicare supplemental health insurance as defined under section 1882(g)(1) of the Social Security Act, 42 U.S.C. § 1395ss(g)(1), coverage supplemental to the coverage provided under 10 U.S.C. § 1071 et seq., and similar supplemental coverage;    (2) “Policy” means the written contract of or written agreement for or effecting insurance, by whatever name called, and includes all clauses, riders, endorsements, and papers made a part thereof; and  (3)  (A) “Premium” is the consideration for insurance, by whatever name called.  (B) Any assessment, or any membership, policy, survey, inspection, service, or similar fee or charge in consideration for a policy is deemed part of the premium.
AR Code § 23-79-102 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 79 - Insurance Policies Generally|Subchapter 1 - General Provisions|§ 23-79-102. Scope

 Sections 23-79-101, 23-79-103 — 23-79-107, 23-79-109 — 23-79-128, 23-79-131 — 23-79-134, 23-79-162, and 23-79-202 — 23-79-210 do not apply to:   (1) Reinsurance;  (2)  (A) Policies or contracts not issued for delivery in this state nor delivered in this state, except:  (i) On subjects of insurance other than life or accident and health insurance, located or to be performed in this state; and  (ii) Pursuant to § 23-79-109(e).    (B) Subdivision (2)(A) of this section does not apply to group insurance certificates issued under group insurance policies carried out and delivered outside this state but covering a person that is a resident in this state;    (3) Wet marine and foreign trade insurance; and  (4) Title insurance, except that the following apply to this line:  (A) Section 23-79-101(2), §§ 23-79-109 — 23-79-111, 23-79-113, 23-79-116, 23-79-118, 23-79-119, and 23-79-202 — 23-79-205; and  (B) Section 23-79-121, provided that the insurer may authorize or require its title agents to provide the policy to the insured.
AR Code § 23-79-104 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 79 - Insurance Policies Generally|Subchapter 1 - General Provisions|§ 23-79-104. Insurable interest — Property

 (a) No contract of insurance of property or of any interest in property or arising from property shall be enforceable as to the insurance except for the benefit of persons having an insurable interest in the things insured at the time of the effectuation of the insurance and at the time of the loss.  (b) “Insurable interest” as used in this section means any actual, lawful, and substantial economic interest in the safety or preservation of the subject of the insurance free from loss, destruction, or pecuniary damage or impairment.
AR Code § 23-79-105 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 79 - Insurance Policies Generally|Subchapter 1 - General Provisions|§ 23-79-105. Application required — Life and accident and health insurance

 No life or accident and health insurance contract upon an individual, except a contract of group life insurance or of group or blanket accident and health insurance, shall be made or effectuated unless at the time of the making of the contract the individual insured, being of competent legal capacity to contract, applies therefor or has consented thereto in writing, except in the following cases:   (1) A spouse may effectuate the insurance upon the other spouse;  (2) Any person having an insurable interest in the life of a minor, or any person upon whom a minor is dependent for support and maintenance, may effectuate insurance upon the life of, or pertaining to, the minor;  (3) The application for accident insurance procured through a vending machine licensed under § 23-64-221 must be signed by the individual to be so insured or, if the individual to be so insured does not have legal capacity to contract, the application must be signed by the individual's parent, guardian, or other legally constituted representative; and  (4) Family policies may be issued insuring any two (2) or more members of a family on an application signed by either parent, a stepparent, or by a husband or wife.
AR Code § 23-79-106 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 79 - Insurance Policies Generally|Subchapter 1 - General Provisions|§ 23-79-106. Application — Use as evidence — Alteration

 (a) No application for the issuance of any life or accident and health insurance policy or annuity contract shall be admissible in evidence in any action relative to the policy or contract unless a true copy of those portions of the application signed by the applicant was attached to, or otherwise made a part of, the policy or contract when issued.  (b)  (1) If any policy of life or accident and health insurance delivered in this state is reinstated or renewed, and the insured or the beneficiary or assignee of the policy makes written request to the insurer for a copy of the application, if any, for reinstatement or renewal, the insurer, within thirty (30) days after receipt of the request at its home office or at any of its branch offices, shall deliver or mail to the person making the request a copy of the application.  (2) If the copy is not delivered or mailed after having been requested, the insurer shall be precluded from introducing the application in evidence in any action or proceeding based upon or involving the policy or its reinstatement or renewal.  (3) In the case of a request from a beneficiary, the time within which the insurer is required to furnish a copy of the application shall 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) No alteration of any written application for any life or accident and health insurance policy shall be made by any person other than the applicant without his or her written consent, except that insertions may be made by the insurer, for administrative purposes only, in such manner as to indicate clearly that the insertions are not to be ascribed to the applicant.
AR Code § 23-79-107 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 79 - Insurance Policies Generally|Subchapter 1 - General Provisions|§ 23-79-107. Application — Statements as representations

 (a) A statement in an application or in negotiations for a life or accident and health 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 shall not prevent a recovery under the policy or contract unless:  (1) Fraudulent; or  (2) Material either to the acceptance of the risk or to the hazard assumed by the insurer.    (b) In any action to rescind any policy or contract or to recover thereon, if any misrepresentation with respect to a medical impairment is proved by the insurer and the insured or any other person having or claiming a right under the contract shall prevent full disclosure and proof of the nature of the medical impairment, then the misrepresentation shall be presumed to have been material.  (c) In any action to rescind any policy or contract or to recover thereon, a misrepresentation is material if there is a causal relationship between the misrepresentation and the hazard resulting in a loss under the policy or contract.
AR Code § 23-79-108 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 79 - Insurance Policies Generally|Subchapter 1 - General Provisions|§ 23-79-108. Return of premium to rejected applicant

 After an insurer rejects or declines to issue a life or accident and health insurance policy, the insurer shall return the premium to the applicant within a reasonable period of time.
AR Code § 23-79-111 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 79 - Insurance Policies Generally|Subchapter 1 - General Provisions|§ 23-79-111. Standard provisions

 (a) Insurance contracts shall contain such standard or uniform provisions as are required by the applicable provisions of this code pertaining to contracts of particular kinds of insurance. The Insurance Commissioner may waive the required use of a particular provision in a particular insurance policy form if:  (1) He or she finds the provision unnecessary for the protection of the insured and inconsistent with the purposes of the policy; and  (2) The policy is otherwise approved by him or her.    (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 or her opinion, is not less favorable in any particular to the insured or beneficiary than the provisions otherwise required.  (c) In lieu 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 when approved by the commissioner.  (d) The provisions of this section shall not apply to policies issued for large commercial risks.
AR Code § 23-79-113 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 79 - Insurance Policies Generally|Subchapter 1 - General Provisions|§ 23-79-113. Charter or bylaw provisions excluded — Exception

 (a) 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 subscribers' agreement or power of attorney of a reciprocal insurer, a part of the contract unless the portion is set forth in full in the policy.  (b) Any policy provision in violation of this section shall be invalid.
AR Code § 23-79-115 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 79 - Insurance Policies Generally|Subchapter 1 - General Provisions|§ 23-79-115. Entitlement notwithstanding policy provisions — Services performed by outpatient centers

 (a)  (1) Notwithstanding any provisions of any individual or group accident and health insurance policy, or any provision of a policy, contract, plan, or agreement covering hospital or medical services, in cases in which the policy, contract, plan, or agreement provides for payment or reimbursement for any healthcare service provided by hospitals or related facilities as defined in § 20-9-201 or § 20-10-213, the person entitled to payment or reimbursement for services under the policy, contract, plan, or agreement is entitled to payment or reimbursement on an equal basis for the service when the service is provided by facilities licensed as outpatient surgery centers under §§ 20-9-214 and 20-9-215.  (2) This subsection applies to insurance policies and hospital service corporation contracts that are delivered or issued for delivery in this state more than one hundred twenty (120) days after July 6, 1977, and to such other contracts, plans, or agreements that are entered into or effectuated in this state more than one hundred twenty (120) days after July 6, 1977.    (b)  (1) Notwithstanding any provisions of any individual or group accident and health insurance policy, or any provision of a policy, contract, plan, or agreement covering hospital or medical services, in cases in which the policy, contract, plan, or agreement provides for payment or reimbursement for any healthcare service provided by hospitals or related facilities as defined in § 20-9-201 or § 20-10-213, the person entitled to payment or reimbursement or services under the policy, contract, plan, or agreement is entitled to payment or reimbursement on an equal basis for the service when the service is provided by facilities licensed as outpatient psychiatric centers under §§ 20-9-214 and 20-9-215.  (2) This subsection applies to insurance policies and hospital service corporation contracts that are delivered or issued for delivery in this state more than one hundred twenty (120) days after July 20, 1979, and to such other contracts, plans, or agreements that are entered into or effectuated in this state more than one hundred twenty (120) days after July 20, 1979.
AR Code § 23-79-116 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 79 - Insurance Policies Generally|Subchapter 1 - General Provisions|§ 23-79-116. Execution

 (a) Every insurance policy shall be executed in the name of and on behalf of the insurer by its officer, attorney-in-fact, employee, or representative authorized by the insurer.  (b) A facsimile signature of any executing individual may be used in lieu 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 so to execute as of the date of the policy.
AR Code § 23-79-117 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 79 - Insurance Policies Generally|Subchapter 1 - General Provisions|§ 23-79-117. Underwriters' and combination policies

 (a)  (1) Two (2) or more authorized insurers may jointly issue and shall be jointly and severally liable on an underwriters' policy bearing their names.  (2) Any one (1) insurer may issue policies in the name of an underwriter's department, and the policy shall plainly show the true name of the insurer.    (b) With the approval of the Insurance Commissioner, two (2) or more insurers may issue a combination policy which shall contain provisions substantially as follows:  (1) That the insurers executing the policy shall be 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  (2) That service of process or of any notice or proof of loss required by the policy upon any of the insurers executing the policy shall constitute service upon all the insurers.    (c) This section shall not apply to cosurety obligations.
AR Code § 23-79-118 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 79 - Insurance Policies Generally|Subchapter 1 - General Provisions|§ 23-79-118. Noncomplying forms

 An insurance policy, rider, or endorsement issued and otherwise valid that contains any condition or provision not in compliance with state law is not rendered invalid but shall be construed and applied according to the conditions and provisions that would have applied had the policy, rider, or endorsement been in full compliance with state law.
AR Code § 23-79-120 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 79 - Insurance Policies Generally|Subchapter 1 - General Provisions|§ 23-79-120. Binders

 (a) Binders or other contracts for temporary insurance may be made orally or in writing and shall be deemed to include all the usual terms of the policy as to which the binder was given together with such applicable endorsements as are designated in the binder, except as superseded by the clear and express terms of the binder.  (b) No binder shall be valid beyond the issuance of the policy with respect to which it was given, or beyond ninety (90) days from its effective date, whichever period is the shorter.  (c) If the policy has not been issued, a binder may be extended or renewed beyond the ninety (90) days with the written approval of the Insurance Commissioner or in accordance with such rules relative thereto as the commissioner may promulgate.  (d) This section shall not apply to life insurance or accident and health insurance.
AR Code § 23-79-121 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 79 - Insurance Policies Generally|Subchapter 1 - General Provisions|§ 23-79-121. Delivery of policy

 (a)  (1) Subject to the insurer's requirements as to payment of premium, every policy shall be mailed or delivered to the insured or to the person entitled to receive it, within a reasonable period of time after its issuance, except when a condition required by the insurer has not been met.  (2)  (A) The insurer may mail or deliver an electronic copy of the policy to the insured or to the person entitled to receive it.  (B) The insurer shall retain the electronic transmittal and an electronic or imaged copy of the policy as a part of the insurer's records.      (b)  (1) In the event the original policy is delivered or is required to be delivered to or for deposit with any vendor, mortgagee, or pledgee of any property or motor vehicle and in which policy any interest of the vendee, mortgagor, or pledgor in or with reference to the property or vehicle is insured, then a duplicate of the policy, or a certificate of insurance setting forth the name and address of the insurer, insurance classification in the case of a vehicle, type of coverage, limits of liability, premiums for the respective coverages, and duration of the policy, or memorandum thereof containing the same information, shall be delivered by the agent through whom the insurance was procured to each vendee, mortgagor, or pledgor named in the policy.  (2) No insurer shall have any responsibility or liability with respect to compliance or noncompliance with any requirement of this subsection.  (3) This subsection does not apply to insurance of aircraft.
AR Code § 23-79-122 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 79 - Insurance Policies Generally|Subchapter 1 - General Provisions|§ 23-79-122. Negotiability of premium notes

 (a)  (1) No note given for premiums on insurance in this state shall be negotiated until the policy for which the note was given has been issued and delivered to the maker of the note, and all notes so given shall state the purpose for which the note was given.  (2) However, this subsection shall not be applicable in cases in which the policy is issued or approved in the form and at the rate applied for and the coverage is effective prior to the issuance or approval.    (b) Nothing in this section shall be construed in any way to invalidate these notes between the payee and payor, and notes when they become negotiable shall in all respects be as other negotiable paper.
AR Code § 23-79-123 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 79 - Insurance Policies Generally|Subchapter 1 - General Provisions|§ 23-79-123. Renewal by certificate

 (a)  (1) Any insurance policy terminating by its terms at a specified expiration date and not otherwise renewable may be renewed or extended at the option of the insurer upon a currently authorized policy form and at the premium rate then required for that type of policy, for a specific additional period or periods by certificate or by endorsement of the policy or by electronic certificate or electronic endorsement properly executed and without requiring the issuance of a new policy.  (2) The insurer shall retain the electronic transmittal and a copy of the certificate or endorsement as a part of the insurer's records.    (b) By reasonable rules or by order the Insurance Commissioner may deny the use of such certificates for renewal of such types of policies or in such circumstances as may be necessary or advisable to protect insureds who may otherwise hold forms of policies which no longer contain all of the benefits or conditions applicable under similar policies currently issued by the same insurer.  (c) The provisions of this section shall not apply to policies issued for large commercial risks.
AR Code § 23-79-124 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 79 - Insurance Policies Generally|Subchapter 1 - General Provisions|§ 23-79-124. Assignment

 (a) A policy may be assignable or not assignable, as provided by its terms.  (b) Subject to its terms relating to assignability, any life or accident and health policy, under the terms of which the beneficiary may be changed upon the sole request of the insured, may be assigned, either by pledge or transfer of title, by an assignment executed by the insured alone and delivered to the insurer, whether or not the pledgee or assignee is the insurer.  (c) Any assignment shall entitle 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 has received 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.