reglab/housing_qa huggingface dataset:
36 OK Stat § 36-3612 (2021)
2021 Oklahoma Statutes|Title 36. Insurance|§36-3612. Standard provisions.

|A. Insurance contracts shall contain such standard 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 standard provision in a particular insurance policy form if: |1. The Commissioner finds such provision unnecessary for the protection of the insured and inconsistent with the purpose of the policy; and2. The policy is otherwise approved.B. No policy shall contain any provision inconsistent with or contradictory to any standard provision used or required to be used, but the Insurance Commissioner may approve any substitute provision which is not less favorable in any particular to the insured or beneficiary than the standard provisions or optional standard provisions otherwise required.C. In lieu of the standard provisions required by the provisions of this Code for contracts for particular kinds of insurance, substantially similar standard provisions required by the law of the domicile of a foreign or alien insurer may be used when approved by the Insurance Commissioner.D. This section does not apply with respect to the Oklahoma standard fire insurance policy.Added by Laws 1957, p. 366, § 3612. Amended by Laws 1997, c. 418, § 94, eff. Nov. 1, 1997.
36 OK Stat § 36-3613 (2021)
2021 Oklahoma Statutes|Title 36. Insurance|§36-3613. Contents of policies in general.

|A. The written instrument in which a contract of insurance is set forth is the policy. |B. Every policy shall specify:1. The names of the parties to the contract.2. The insurer's name and complete address.3. The subject of the insurance.4. The risks insured against.5. The time when the insurance thereunder takes effect and the period during which the insurance is to continue.6. The premium.7. The conditions pertaining to the insurance.C. If under the policy the exact amount of premium is determinable only at stated intervals or termination of the contract, a statement of the basis and rates upon which the premium is to be determined and paid shall be included.D. This section shall not apply to surety contracts, or to group insurance policies.Laws 1957, p. 366, § 3613.
36 OK Stat § 36-3613.1 (2021)
2021 Oklahoma Statutes|Title 36. Insurance|§36-3613.1. Policies and claims - Fraud warning.

|Every insurance policy or application and every insurance claim form shall contain a statement that clearly indicates in substance the following: "WARNING: Any person who knowingly, and with intent to injure, defraud or deceive any insurer, makes any claim for the proceeds of an insurance policy containing any false, incomplete or misleading information is guilty of a felony." The absence of such a statement shall not constitute a defense in any prosecution. |Added by Laws 1993, c. 349, § 31, eff. Sept. 1, 1993. Amended by Laws 2001, c. 363, § 17, eff. July 1, 2001.
36 OK Stat § 36-3613.2 (2021)
2021 Oklahoma Statutes|Title 36. Insurance|§36-3613.2. Restrictions on recording of birth or ultrasound prohibited.

|A. No insurer which writes physicians' or hospitals' professional liability insurance shall, in a policy of insurance or in a rider, endorsement, or other amendment of or addition to a policy of insurance or by any means, attempt to restrict, control, or otherwise interfere with any agreement between a patient and a hospital or between a patient and a physician regarding recording of a birth or ultrasound on video tape or disc, or otherwise. |B. The Insurance Commissioner shall revoke or refuse to approve or renew an insurer's certificate of authority for violation of any provision of this subsection.Added by Laws 1997, c. 156, § 4, eff. Nov. 1, 1997.
36 OK Stat § 36-3614 (2021)
2021 Oklahoma Statutes|Title 36. Insurance|§36-3614. Contents of policies; additional contents.

|A policy may contain additional provisions not inconsistent with this Code and which are: |1. Required to be inserted by the laws of the insurer's domicile;2. Necessary, on account of the manner in which the insurer is constituted or operated, in order to state the rights and obligations of the parties to the contract; or3. Desired by the insurer and neither prohibited by law nor in conflict with any provisions required to be included therein.Laws 1957, p. 367, § 3614.
36 OK Stat § 36-3614.2 (2021)
2021 Oklahoma Statutes|Title 36. Insurance|§36-3614.2. Genetic nondiscrimination in employment.

|A. This section shall be known and may be cited as the "Genetic Nondiscrimination in Employment Act". |B. For purposes of the Genetic Nondiscrimination in Employment Act:1. "DNA" means deoxyribonucleic acid;2. "Employer" means employer as such term is defined in Section 3(d) of the Fair Labor Standards Act of 1938, 29 U.S.C., Section 203(d);3. "Genetic information" means information derived from the results of a genetic test. Genetic information shall not include family history, the results of a routine physical examination or test, the results of a chemical, blood or urine analysis, the results of a test to determine drug use, the results of a test for the presence of the human immunodeficiency virus, or the results of any other test commonly accepted in clinical practice at the time it is ordered by the insurer;4. "Genetic test" means a laboratory test of the DNA, RNA, or chromosomes of an individual for the purpose of identifying the presence or absence of inherited alterations in the DNA, RNA, or chromosomes that cause a predisposition for a clinically recognized disease or disorder. "Genetic test" shall not include:a.a routine physical examination or a routine test performed as a part of a physical examination,b.a chemical, blood, or urine analysis,c.a test to determine drug use,d.a test for the presence of the human immunodeficiency virus, ore.any other test commonly accepted in clinical practice at the time it is ordered by the insurer; and5. "RNA" means ribonucleic acid.C. For purposes of distinguishing between or discriminating against or restricting any right or benefit otherwise due or available to an employee or prospective employee, other than in connection with the determination of insurance coverage or benefits, no employer shall:1. Seek to obtain, or use a genetic test or genetic information of the employee or the prospective employee; or2. Require a genetic test of or require genetic information from the employee or prospective employee.D. Any employer violating the provisions of this section, upon conviction thereof, shall be guilty of a misdemeanor and may be punished by a fine of not more than Twenty-five Thousand Dollars ($25,000.00) or by imprisonment in the county jail for not more than one (1) year, or by both fine and imprisonment.E. Notwithstanding any language in this section to the contrary, this section shall not apply to an insurer or to an individual or third-party dealing with an insurer in the ordinary course of underwriting, conducting, or administering the business of life, disability income, or long-term care insurance, including, but not limited to, actions taken by an insurer or to an individual or third-party dealing with an insurer in connection with life, disability income, or long-term care insurance made available by an employer to its employees.Added by Laws 1998, c. 334, § 2, eff. July 1, 1998.
36 OK Stat § 36-3614.3 (2021)
2021 Oklahoma Statutes|Title 36. Insurance|§36-3614.3. Disclosure of genetic information.

|A. No person who maintains genetic information shall be compelled to disclose such information pursuant to a request for compulsory disclosure in any judicial, legislative, or administrative proceeding, unless: |1. The request for compulsory disclosure is in accordance with court-ordered paternity testing in a civil action to determine paternity;2. The individual whose genetic information is requested is a party to the proceeding and the genetic information is at issue;3. The individual whose genetic information was requested was insured under an insurance policy and the policy as well as the genetic information is at issue; or4. The genetic information is for use in a law enforcement proceeding or investigation or in instances where an insurer anticipates or is reporting fraud or criminal activity.B. Notwithstanding any language in this section to the contrary, this section shall not apply to an insurer or to an individual or third-party dealing with an insurer in the ordinary course of underwriting, conducting, or administering the business of life, disability income, or long-term care insurance or in connection with any judicial, legislative or administrative proceeding relating to life, disability income or long-term care insurance. Nothing in this section is intended to govern an insurer or to govern an individual or third-party dealing with an insurer in connection with the obtaining, maintaining, use, disclosure, or redisclosure of genetic information or the results of a genetic test in connection with life, disability income or long-term care insurance or in connection with any judicial, legislative, or administrative proceeding relating to life, disability income or long-term care insurance.Added by Laws 1998, c. 334, § 3, eff. July 1, 1998.
36 OK Stat § 36-3614.4 (2021)
2021 Oklahoma Statutes|Title 36. Insurance|§36-3614.4. Disclosure of genetic research studies.

|A. This section shall be known and may be cited as the “Genetic Research Studies Nondisclosure Act”. |B. For purposes of the Genetic Research Studies Nondisclosure Act, “genetic research study or studies” shall mean those genetic research studies approved by an institutional review board as defined in 21 CFR, Section 50 or conducted subject to the requirements of the federal common rule at 21 CFR, Section 50 and Section 56, and 45 CFR, Section 46.C. All research records of individual subjects in genetic research studies shall be confidential, meaning the records shall not be subject to subpoena or discovery in civil suits, except in cases where the information in the records is the basis of the suit. The records shall not be disclosed to employers or health insurers without the informed consent of the subject.D. Notwithstanding any language in this section to the contrary, this section shall not apply to an insurer or to an individual or third party dealing with an insurer in the ordinary course of underwriting, conducting or administering the business of life, disability income or long-term care insurance or in connection with any judicial, legislative or administrative proceeding relating to life, disability income or long-term care insurance. Nothing in this section is intended to govern an insurer or to govern an individual or third party dealing with an insurer in connection with the obtaining, maintaining, use, disclosure or redisclosure of genetic information or the results of a genetic test, including but not limited to records of individual subjects in genetic research in connection with life, disability income or long-term care insurance or in connection with any judicial, legislative or administrative proceeding relating to life, disability income or long-term care insurance.E. All stored tissues, including blood, that arise from surgery, other diagnostic or therapeutic steps, or autopsy may be disclosed for genetic or other research studies if informed consent has been obtained. Informed consent may be included in a section of the consent for treatment, admission to a hospital or clinic, or permission for an autopsy and no other consent shall be required.F. It shall be permissible to publish or otherwise use the results of genetic research studies for research or educational purposes if no individual subject is identified. If specific informed consent from the individual has been obtained, the individual may be identified.Added by Laws 1999, c. 82, § 1, eff. Nov. 1, 1999.
36 OK Stat § 36-3615 (2021)
2021 Oklahoma Statutes|Title 36. Insurance|§36-3615. Charter or bylaw provisions; incorporation into policy.

|No policy shall contain any provisions purporting to make any portion of the charter, bylaws or other constituent document of the insurer a part of the contract unless such portion is set forth in full in the policy, provided, however, this section shall not apply to the subscriber's agreement or power of attorney of a reciprocal insurer. Any policy provision in violation of this section shall be invalid. |Laws 1957, p. 367, § 3615.
36 OK Stat § 36-3616 (2021)
2021 Oklahoma Statutes|Title 36. Insurance|§36-3616. Labeling particular policies.

|In every policy wherein the subject of the insurance is a motor vehicle, if the risks insured against do not include bodily injury and property damage liability, the policy and any certificate or memorandum thereof shall have imprinted or stamped on the face and cover or filing back thereof, in a prominent place, the words "THIS POLICY DOES NOT PROVIDE BODILY INJURY AND PROPERTY DAMAGE LIABILITY COVERAGES." The words shall be printed or stamped in red ink with not less than fourteen-point hollow type letters. |Laws 1957, p. 367, § 3616.
36 OK Stat § 36-3616.1 (2021)
2021 Oklahoma Statutes|Title 36. Insurance|§36-3616.1. Coverage of trustor under property or motor vehicle liability policy.

|A. Unless specifically excluded in a separate written endorsement between the named insured and the insurer, every property or motor vehicle liability policy issued in the state in which the named insured is a trust created under the laws of this state and the property or motor vehicle is owned by or is an asset of the trust, the trustor of the trust shall also be considered a named insured under the policy and shall be afforded coverage under the policy. |B. Coverage of the trustor of a named insured trust as provided for in subsection A of this section, shall be continuous and shall not be limited unless specifically provided for in the policy.Added by Laws 1997, c. 69, § 1, emerg. eff. April 9, 1997.
36 OK Stat § 36-3617 (2021)
2021 Oklahoma Statutes|Title 36. Insurance|§36-3617. Policy restrictions voided.

|No policy delivered or issued for delivery in Oklahoma and covering a subject of insurance resident, located, or to be performed in Oklahoma, shall contain any condition, stipulation or agreement (1) requiring such policy to be construed according to the laws of any other state or country, except as necessary to meet the requirements of the motor vehicle financial responsibility laws or compulsory disability benefit laws of such other state or country, or (2) preventing the bringing of an action against any such insurer for more than six (6) months after the cause of action accrues, or (3) limiting the time within which an action may be brought to a period of less than two (2) years from the time the cause of action accrues in connection with all insurances other than property and marine and transportation insurances; in property and marine and transportation policies such time shall not be limited to less than one (1) year from the date of occurrence of the event resulting in the loss. Any such condition, stipulation or agreement shall be void, but such voidance shall not affect the validity of the other provisions of the policy. |Laws 1957, p. 367, § 3617.
36 OK Stat § 36-3618 (2021)
2021 Oklahoma Statutes|Title 36. Insurance|§36-3618. Execution of policies.

|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 duly authorized by the insurer. |B. A facsimile signature of any such executing individual may be used in lieu of an original signature.C. No insurance contract heretofore or hereafter issued and 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, if the policy is countersigned with the original signature or initial of an individual then so authorized.Laws 1957, p. 367, § 3618.
36 OK Stat § 36-3619 (2021)
2021 Oklahoma Statutes|Title 36. Insurance|§36-3619. Underwriters' and combination policies.

|A. Two or more authorized insurers may jointly issue, and shall be jointly and severally liable on, an underwriters' policy bearing their names. Any one insurer may issue policies in the name of an underwriter's department and such policy shall plainly show the true name of the insurer. |B. Two or more insurers may, with the approval of the Insurance Commissioner, 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, and2. That service of process, or of any notice or proof of loss required by such policy, upon any of the insurers executing the policy, shall constitute service upon all such insurers.C. Two or more insurers may, with the approval of the Insurance Commissioner, issue a combination policy wherein the subject of insurance is insured against specific risks or perils. In such policy the liability for specific risks or perils assumed by each insurer shall be clearly set out, and each insurer shall be liable only for the risks or perils specifically assumed.D. This section shall not apply to co-surety obligations.Laws 1957, p. 368, § 3619.
36 OK Stat § 36-3620 (2021)
2021 Oklahoma Statutes|Title 36. Insurance|§36-3620. Validity of noncomplying forms.

|Any insurance policy, rider, or endorsement hereafter issued and otherwise valid which contains any condition or provision not in compliance with the requirements of this Code, shall not be thereby rendered invalid but shall be construed and applied in accordance with such conditions and provisions as would have applied had such policy, rider, or endorsement been in full compliance with this Code. |Laws 1957, p. 368, § 3620.
36 OK Stat § 36-3621 (2021)
2021 Oklahoma Statutes|Title 36. Insurance|§36-3621. Construction of policies.

|Every insurance contract shall be construed according to the entirety of its terms and conditions as set forth in the policy and as amplified, extended, or modified by any rider, endorsement, or application attached to and made a part of the policy. |Added by Laws 1957, p. 368, § 3621, operative July 1, 1957.
36 OK Stat § 36-3622 (2021)
2021 Oklahoma Statutes|Title 36. Insurance|§36-3622. 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 such ninety (90) days with the written approval of the Insurance Commissioner, or in accordance with such rules and regulations relative thereto as the Commissioner may promulgate.D. This section shall not apply to life or accident and health insurances.Laws 1957, p. 368, § 3622.
36 OK Stat § 36-3623.1 (2021)
2021 Oklahoma Statutes|Title 36. Insurance|§36-3623.1. Fees - Definitions.

|A. Nothing in this Code shall be construed to prevent an insurer from charging and collecting in this state separate initial membership fees, policy fees and any other fees as defined in subsection C of this section in addition to premiums for insurance, and such fees shall not be considered premium within the definition of this Code, but shall be subject to premium tax as provided in this Code. An insurer shall fully disclose all fees to its customers. |B. A minimum premium charge is considered premium within the definition of this Code, and shall be subject to premium tax as provided in this Code.C. 1. Fees are defined as a flat amount added to the basic premium rate to reflect the cost of establishing the required records, sending premium notices and other related expenses and include, but are not limited to, the following: Installment fees, service charges, financing fees, membership fees, return check fees, policy fees, motor vehicle record fees, inspection fees, late fees, electronic transfer fees, credit score fees and expense load fees.2. The fee passed on to the consumer must be the actual expense incurred by the insurance company, insurance agency or insurance producer.D. Minimum premium charge is the smallest acceptable premium for which an insurance company will write a policy. This minimum charge is necessary to cover fixed expenses, other than those expenses defined as fees above, in placing the policy on the books. A minimum premium charge includes, but is not limited to, minimum earned premium and minimum retained premium.E. An insurance consultant, insurance producer, limited lines producer, managing general agent or surplus lines insurance broker cannot charge a duplicate fee or minimum premium charge.Added by Laws 1957, p. 369, § 3623.1, operative July 1, 1957. Amended by Laws 2002, c. 307, § 27, eff. Nov. 1, 2002.
36 OK Stat § 36-3623.2 (2021)
2021 Oklahoma Statutes|Title 36. Insurance|§36-3623.2. Death of insured – Refund of premiums.

|A. Premiums paid for coverage of life, accident and health insurance shall be refunded from the date of death of the insured to the premium due date. |1. The refund of premium shall be on a daily pro-rata basis.2. Premium refunds shall be provided within ninety (90) days from the date of valid proof of loss has been received.B. As it pertains to this section, life, accident and health insurance coverage shall include any policy, contract, plan or agreement of life, accident and health insurance, or subscriber certificates of life or medical care corporations, health care corporations, hospital service associations, or health care maintenance organizations, delivered or issued for delivery in this state by any insurer; any certificate, contract or policy issued by a fraternal benefit society; any policy or certificate issued pursuant to a group insurance policy delivered or issued for delivery in this state; and any evidence of coverage issued by a health maintenance organization. Life, accident and health insurance coverage shall include long-term care, dental, vision and disability insurance policies and certificates.Added by Laws 2002, c. 307, § 28, eff. Nov. 1, 2002.
36 OK Stat § 36-3623.3 (2021)
2021 Oklahoma Statutes|Title 36. Insurance|§36-3623.3. Charging insurance producer for documentation costs.

|No insurer, at any time, shall charge the insurance producer for any costs associated with the necessary documentation or records needed to underwrite a policy. The provisions of this section shall apply only to personal insurance as defined in Section 952 of Title 36 of the Oklahoma Statutes. |Added by Laws 2011, c. 360, § 42.