reglab/housing_qa huggingface dataset:
IA Code § 515I.11 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 515I - SURPLUS LINES INSURANCE|Section 515I.11 - Violations and penalties.

515I.11 Violations and penalties.   1. The commissioner may, after notice and a hearing, declare a surplus lines insurer ineligible to place surplus lines insurance in the state if at any time the commissioner has reason to believe that a surplus lines insurer meets any of the following conditions:   a. Is in unsound financial condition or has acted in an untrustworthy manner.   b. No longer meets the standards set forth in this chapter.   c. Has willfully violated the laws of this state.   d. Does not conduct its claims settlement practices in a fair and reasonable manner.   e. Has committed an unfair or deceptive insurance trade practice under chapter 507B.   2. The commissioner may suspend, revoke, or refuse to renew the license of a surplus lines insurance producer or impose any sanction or penalty allowed under chapter 507B after notice and hearing for one or more of the following grounds:   a. Removal of the resident surplus lines insurance producer’s principal place of business from this state without notice to the commissioner.   b. Removal of the resident surplus lines insurance producer’s office accounts and records from this state during the period for which the accounts and records are required to be maintained.   c. Closure of the surplus lines insurance producer’s office for a period of more than thirty business days, unless permission is granted by the commissioner.   d. Failure to file required reports with the commissioner or the commissioner’s designee.   e. Failure to remit surplus lines insurance premium taxes to this state as directed by the commissioner.   f. Violating any provision of this chapter.   g. For any cause for which an insurance producer license could be denied, revoked, or suspended, or renewal refused or a civil penalty imposed under chapter 522B.   3. The commissioner may initiate an administrative proceeding against a surplus lines insurance producer for the collection of unpaid premium taxes. The commissioner may assess a penalty of one percent of the delinquent amount of taxes owed per month as specified in section 507A.9 and any other penalties allowed by law.   4. A person that represents or aids a nonadmitted insurer in violation of this chapter shall be subject to criminal penalties as set forth in section 507A.10.  2012 Acts, ch 1025, §11, 22
IA Code § 515I.13 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 515I - SURPLUS LINES INSURANCE|Section 515I.13 - Insurance policy or contract remains valid.

515I.13 Insurance policy or contract remains valid.   A policy or contract of insurance issued or delivered by an eligible surplus lines insurer or a nonadmitted insurer which is otherwise valid and contains a condition or provision not in compliance with the requirements of this chapter is not thereby rendered invalid but shall be construed and applied in accordance with the conditions and provisions which would have applied had the policy or contract been issued or delivered in full compliance with this chapter.  2012 Acts, ch 1025, §13, 22
IA Code § 515I.13A (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 515I - SURPLUS LINES INSURANCE|Section 515I.13A - Scope of operation.

515I.13A Scope of operation.   This chapter applies only to transactions when this state is the home state of the applicant or the insured.  2012 Acts, ch 1025, §14, 22
IA Code § 515I.14 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 515I - SURPLUS LINES INSURANCE|Section 515I.14 - Severability.

515I.14 Severability.   If any provision of this chapter, or the application of the provision of this chapter to any person or circumstance, is held invalid, the remainder of the chapter and the application of the provision to persons or circumstances other than those as to which it is held invalid, shall not be affected by that holding.  2012 Acts, ch 1025, §15, 22
IA Code § 515I.15 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 515I - SURPLUS LINES INSURANCE|Section 515I.15 - Rulemaking authority.

515I.15 Rulemaking authority.   The commissioner shall adopt rules pursuant to chapter 17A to implement the purposes of this chapter.  2012 Acts, ch 1025, §16, 22
IA Code § 516.1 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 516 - LIABILITY POLICIES — UNSATISFIED JUDGMENTS|Section 516.1 - Inurement of policy.

516.1 Inurement of policy.   All policies insuring the legal liability of the insured, issued in this state by any company, association or reciprocal exchange shall, notwithstanding any other provision of the statutes, contain a provision providing that, in event an execution on a judgment against the insured be returned unsatisfied in an action by a person who is injured or whose property is damaged, the judgment creditor shall have a right of action against the insurer to the same extent that such insured could have enforced the insured’s claim against such insurer had such insured paid such judgment.  [C35, §9024-g1; C39, §9024.1; C46, 50, 54, 58, 62, 66, 71, 73, 75, 77, 79, 81, §516.1]
IA Code § 516.2 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 516 - LIABILITY POLICIES — UNSATISFIED JUDGMENTS|Section 516.2 - Settlement.

516.2 Settlement.   No settlement between said insurer and insured, after loss, shall bar said action unless consented to by said judgment plaintiff.  [C35, §9024-g2; C39, §9024.2; C46, 50, 54, 58, 62, 66, 71, 73, 75, 77, 79, 81, §516.2]
IA Code § 516.3 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 516 - LIABILITY POLICIES — UNSATISFIED JUDGMENTS|Section 516.3 - Limitation on action.

516.3 Limitation on action.   Said action may be brought against said insurer within one hundred eighty days from the entry of judgment in case no appeal is taken, and, in case of appeal, within one hundred eighty days after the judgment is affirmed on appeal, anything in the policy or statutes to the contrary notwithstanding.  [C35, §9024-g3; C39, §9024.3; C46, 50, 54, 58, 62, 66, 71, 73, 75, 77, 79, 81, §516.3]
IA Code § 516A.1 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 516A - UNINSURED, UNDERINSURED, OR HIT-AND-RUN MOTORISTS|Section 516A.1 - Coverage included in every liability policy — rejection by insured.

516A.1 Coverage included in every liability policy — rejection by insured.   No automobile liability or motor vehicle liability insurance policy insuring against liability for bodily injury or death arising out of the ownership, maintenance, or use of a motor vehicle shall be delivered or issued for delivery in this state with respect to any motor vehicle registered or principally garaged in this state, unless coverage is provided in such policy or supplemental thereto, for the protection of persons insured under such policy who are legally entitled to recover damages from the owner or operator of an uninsured motor vehicle or a hit-and-run motor vehicle or an underinsured motor vehicle because of bodily injury, sickness, or disease, including death resulting therefrom, caused by accident and arising out of the ownership, maintenance, or use of such uninsured or underinsured motor vehicle, or arising out of physical contact of such hit-and-run motor vehicle with the person insured or with a motor vehicle which the person insured is occupying at the time of the accident. Both the uninsured motor vehicle or hit-and-run motor vehicle coverage, and the underinsured motor vehicle coverage shall include limits for bodily injury or death at least equal to those stated in section 321A.1, subsection 11. The form and provisions of such coverage shall be examined and approved by the commissioner of insurance.   However, the named insured may reject all of such coverage, or reject the uninsured motor vehicle (hit-and-run motor vehicle) coverage, or reject the underinsured motor vehicle coverage, by written rejections signed by the named insured. If rejection is made on a form or document furnished by an insurance company or insurance producer, it shall be on a separate sheet of paper which contains only the rejection and information directly related to it. Such coverage need not be provided in or supplemental to a renewal policy if the named insured has rejected the coverage in connection with a policy previously issued to the named insured by the same insurer.  [C71, 73, 75, 77, 79, 81, §516A.1]  83 Acts, ch 101, §108; 90 Acts, ch 1233, §33; 2001 Acts, ch 16, §10, 37  Referred to in §516A.2, 516A.5
IA Code § 516A.2 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 516A - UNINSURED, UNDERINSURED, OR HIT-AND-RUN MOTORISTS|Section 516A.2 - Construction — minimum coverage — stacking.

516A.2 Construction — minimum coverage — stacking.   1. a. Except with respect to a policy containing both underinsured motor vehicle coverage and uninsured or hit-and-run motor vehicle coverage, nothing contained in this chapter shall be construed as requiring forms of coverage provided pursuant hereto, whether alone or in combination with similar coverage afforded under other automobile liability or motor vehicle liability policies, to afford limits in excess of those that would be afforded had the insured thereunder been involved in an accident with a motorist who was insured under a policy of liability insurance with the minimum limits for bodily injury or death prescribed in section 321A.1, subsection 11. Such forms of coverage may include terms, exclusions, limitations, conditions, and offsets which are designed to avoid duplication of insurance or other benefits.   b. To the extent that Hernandez v. Farmers Insurance Company, 460 N.W.2d 842 (Iowa 1990), provided for interpolicy stacking of uninsured or underinsured coverages in contravention of specific contract or policy language, the general assembly declares such decision abrogated and declares that the enforcement of the antistacking provisions contained in a motor vehicle insurance policy does not frustrate the protection given to an insured under section 516A.1.   2. Pursuant to chapter 17A, the commissioner of insurance shall, by January 1, 1992, adopt rules to assure the availability, within the state, of motor vehicle insurance policies, riders, endorsements, or other similar forms of coverage, the terms of which shall provide for the stacking of uninsured and underinsured coverages with any similar coverage which may be available to an insured.   3. It is the intent of the general assembly that when more than one motor vehicle insurance policy is purchased by or on behalf of an injured insured and which provides uninsured, underinsured, or hit-and-run motor vehicle coverage to an insured injured in an accident, the injured insured is entitled to recover up to an amount equal to the highest single limit for uninsured, underinsured, or hit-and-run motor vehicle coverage under any one of the above described motor vehicle insurance policies insuring the injured person which amount shall be paid by the insurers according to any priority of coverage provisions contained in the policies insuring the injured person.  [C71, 73, 75, 77, 79, 81, §516A.2]  91 Acts, ch 213, §30; 2012 Acts, ch 1023, §157
IA Code § 516A.3 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 516A - UNINSURED, UNDERINSURED, OR HIT-AND-RUN MOTORISTS|Section 516A.3 - Definition.

516A.3 Definition.   For the purpose of this chapter, the term “uninsured motor vehicle” shall, subject to the terms and conditions of the coverage herein required, be deemed to include an insured motor vehicle with respect to which insolvency proceedings have been instituted against the liability insurer thereof by the insurance regulatory official of this or any other state or territory of the United States or of the District of Columbia.   An insurer’s insolvency protection is applicable only to accidents occurring during a policy period in which its insured’s uninsured motorist coverage is in effect and only if the liability insurer of the tortfeasor is insolvent at the time of such an accident or becomes insolvent after the accident.  [C71, 73, 75, 77, 79, 81, §516A.3]  91 Acts, ch 26, §46; 92 Acts, ch 1162, §46
IA Code § 516A.4 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 516A - UNINSURED, UNDERINSURED, OR HIT-AND-RUN MOTORISTS|Section 516A.4 - Insurer making payment — reimbursement.

516A.4 Insurer making payment — reimbursement.   In the event of payment to any person under the coverage required by this chapter and subject to the terms and conditions of such coverage, the insurer making such payment shall, to the extent thereof, be entitled to the proceeds of any settlement or judgment resulting from the exercise of any rights of recovery of such person against any person or organization legally responsible for the bodily injury for which such payment is made, including the proceeds recoverable from the assets of the insolvent insurer. The person to whom said payment is made under the insolvency protection required by this chapter shall to the extent thereof, be deemed to have waived any right to proceed to enforce such a judgment against the assets of the judgment debtor who was insured by the insolvent insurer whose insolvency resulted in said payment being made, other than assets recovered or recoverable by such judgment debtor from such insolvent insurer.  [C71, 73, 75, 77, 79, 81, §516A.4]
IA Code § 516A.5 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 516A - UNINSURED, UNDERINSURED, OR HIT-AND-RUN MOTORISTS|Section 516A.5 - Tolling of statute.

516A.5 Tolling of statute.   Commencement of an action by an insured under a provision included in an automobile liability or motor vehicle liability insurance policy pursuant to section 516A.1 tolls the statute of limitations for purposes of the insurer’s subrogated cause of action against a party, as defined in section 668.2. Section 668.8 is also applicable to an action commenced as described in this section.  98 Acts, ch 1057, §12
IA Code § 516B.1 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 516B - AUTOMOBILE LIABILITY POLICIES|Section 516B.1 - Definitions.

516B.1 Definitions.   As used in this chapter, unless otherwise required by the context:   1. “Automobile liability policy” means an insurance policy issued by an insurance carrier authorized to do business in this state to or for the benefit of the person named in the policy as insured against loss from liability imposed by law for damages arising out of ownership, maintenance, or use of an insured automobile.   2. “Commissioner” means the commissioner of insurance.  86 Acts, ch 1218, §1
IA Code § 516B.2 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 516B - AUTOMOBILE LIABILITY POLICIES|Section 516B.2 - Reduction in premiums to reflect reductions in losses.

516B.2 Reduction in premiums to reflect reductions in losses.   The commissioner shall require that insurance companies transacting business in this state reduce the automobile liability insurance premiums charged insureds in this state for liability insurance renewed or issued on or after July 1, 1987. The reduction in insurance premiums, on a statewide basis, shall be at whatever amount the commissioner of insurance deems appropriate as reflecting the reduction in annual losses incurred by the insurance companies with the enactment of  1986 Iowa Acts, ch. 1009  . The commissioner of insurance may annually make adjustments to the reduction in insurance premiums as the commissioner deems appropriate considering the latest statistics available to the commissioner.   In making the determination on the amount of reduction of automobile liability insurance premiums which takes effect July 1, 1987, the commissioner may employ or contract with actuarial consultants as necessary in making the determination. The reasonable fees and expenses of an actuarial consultant employed or contracted by the commissioner for the purpose of determining the amount of the July 1, 1987 reduction shall be assessed against and paid by the affected insurance companies.  86 Acts, ch 1218, §2; 2014 Acts, ch 1026, §143
IA Code § 516B.3 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 516B - AUTOMOBILE LIABILITY POLICIES|Section 516B.3 - Minor traffic violations not considered in establishing rates.

516B.3 Minor traffic violations not considered in establishing rates.   1. The commissioner shall require that insurance companies transacting business in this state not consider speeding violations occurring on or after July 1, 1986, but before May 12, 1987, which are for speeding violations for ten miles per hour or less over the legal speed limit in speed zones that have a legal speed limit greater than thirty-five miles per hour or speeding violations occurring on or after May 12, 1987, which are for speeding violations for ten miles per hour or less over the legal speed limit in speed zones that have a legal speed limit equal to or greater than thirty-five miles per hour but not greater than fifty-five miles per hour for the purpose of establishing rates for motor vehicle insurance charged by the insurer and shall require that insurance companies not cancel or refuse to renew any such policy for such violations. In any twelve-month period, this section applies only to the first two such violations which occur.   2. If the rate for motor vehicle insurance is based on an operating record of a period longer than twelve months in length, the twelve-month periods under subsection 1 shall not overlap.  87 Acts, ch 120, §8; 88 Acts, ch 1158, §78; 88 Acts, ch 1214, §3  Referred to in §507B.4
IA Code § 516D.1 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 516D - RENTAL OF MOTOR VEHICLES|Section 516D.1 - Title.

516D.1 Title.   This chapter shall be known and may be cited as the “Iowa Car Rental and Collision Damage Waiver Act”.  91 Acts, ch 204, §1
IA Code § 516D.2 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 516D - RENTAL OF MOTOR VEHICLES|Section 516D.2 - Scope.

516D.2 Scope.   This chapter applies to advertising and business practices relating to vehicle rental agreements entered into in this state.  91 Acts, ch 204, §2
IA Code § 516D.3A (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 516D - RENTAL OF MOTOR VEHICLES|Section 516D.3A - Vehicle license recovery fee.

516D.3A Vehicle license recovery fee.   1. A rental company may include separately stated charges in a rental agreement pursuant to the provisions of this chapter for the recovery of fees paid to this state to license, title, register, and plate rental vehicles.   2. If a rental company includes a vehicle license recovery fee as a separately stated charge in a rental transaction, the amount of the fee shall represent the rental company’s good-faith estimate of the rental company’s average per vehicle portion of the rental company’s total annual titling and registration fees paid to this state.   3. If the total amount of the vehicle license recovery fees collected by a rental company under this section in any calendar year exceeds the rental company’s actual fees paid to this state to license, title, register, and plate rental vehicles for that calendar year, the rental company shall do both of the following:   a. Retain the excess amount to be held in a vehicle license recovery fee fund as a consumer credit for the following year.   b. Lower the estimated average per vehicle titling and registration charge for the following calendar year by the corresponding amount in the vehicle license recovery fee fund.  2015 Acts, ch 102, §3
IA Code § 516D.5 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 516D - RENTAL OF MOTOR VEHICLES|Section 516D.5 - Recovery for damage or loss.

516D.5 Recovery for damage or loss.   A claim against an authorized driver resulting from damage to a rental vehicle, loss due to theft of a rental vehicle, or damages resulting from the loss of use of a rental vehicle, must be reasonably and rationally related to the actual loss incurred. A rental company shall mitigate damages where possible and shall not assert or collect any claim for physical damage which exceeds the actual cost of the repair, including all discounts or price reductions. Administrative fees shall be limited to the reasonable administrative costs associated with processing the damage claim. A claim made for loss of use shall not exceed the daily rental rate stated in the customer’s contract, excluding optional charges, multiplied by the total of the estimated time for replacement and the estimated time for repair, divided by eight.  91 Acts, ch 204, §5
IA Code § 516D.6 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 516D - RENTAL OF MOTOR VEHICLES|Section 516D.6 - Disclosures.

516D.6 Disclosures.   1. All material restrictions on an advertised rate or on the use of the rental vehicle must be clearly and conspicuously disclosed in any price advertisement.   2. A rental company shall only advertise, quote, and charge a rental rate that includes all mandatory charges. A rental company shall not impose any mandatory charges in addition to the advertised or quoted rental rate.  91 Acts, ch 204, §6
IA Code § 516D.8 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 516D - RENTAL OF MOTOR VEHICLES|Section 516D.8 - Rules.

516D.8 Rules.   The attorney general shall prescribe forms and adopt rules pursuant to chapter 17A as necessary to administer this chapter.  91 Acts, ch 204, §8
IA Code § 516D.9 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 516D - RENTAL OF MOTOR VEHICLES|Section 516D.9 - Enforcement.

516D.9 Enforcement.   A violation of this chapter or any rules adopted by the attorney general pursuant to this chapter is a violation of section 714.16, subsection 2, paragraph “a”. The provisions of section 714.16, including, but not limited to, provisions relating to investigation, injunctive relief, and penalties, apply to violations of this chapter.  91 Acts, ch 204, §9
IA Code § 517.1 (2021)
2021 Iowa Code|Title XIII - COMMERCE|Chapter 517 - EMPLOYERS LIABILITY INSURANCE|Section 517.1 - Reserve required.

517.1 Reserve required.   Every corporation, association, company, or reciprocal exchange writing any of the several classes of insurance authorized by section 515.48, subsection 5, paragraph “d”, shall maintain reserves for outstanding losses under insurance against loss or damage from accident to or injuries suffered by an employee or other person and for which the insured is liable computed as follows:   1. For all liability suits being defended under policies written more than:   a. Ten years prior to the date as of which the statement is made, one thousand five hundred dollars for each suit.   b. Five and less than ten years prior to the date as of which the statement is made, one thousand dollars for each suit.   c. Three and less than five years prior to the date as of which the statement is made, eight hundred fifty dollars for each suit.   2. For all liability policies written during the three years immediately preceding the date as of which the statement is made, such reserve shall be sixty percent of the earned liability premiums of each of such three years less all loss and loss expense payments made under liability policies written in the corresponding years; but in any event, such reserve shall, for the first of such three years, be not less than seven hundred fifty dollars for each outstanding liability suit on said year’s policies.   3. For all compensation claims under policies written more than three years prior to the date as of which the statement is made, the present values at four percent interest of the determined and the estimated future payments.   4. For all compensation claims under policies written in the three years immediately preceding the date as of which the statement is made, such reserve shall be sixty-five percent of the earned compensation premiums of each of such three years, less all loss and loss expense payments in connection with such claims under policies written in the corresponding years; but in any event, in the case of the first year of any of such three-year period such reserve shall be not less than the present value at four percent interest of the determined and the estimated unpaid compensation claims under policies written during such year.  [C24, 27, 31, 35, 39, §9025; C46, 50, 54, 58, 62, 66, 71, 73, 75, 77, 79, 81, §517.1]  2015 Acts, ch 29, §79