reglab/housing_qa huggingface dataset:
VA Code § 38.2-2007 (2021)
2021 Code of Virginia|Title 38.2 - Insurance|Chapter 20 - Regulation of Rates for Certain Types of Insurance|§ 38.2-2007. Commission to determine if notice of filing to be published; hearing; approval or disapproval

A. When a filing has been made with the Commission, the Commission shall determine whether publication of notice of the filing is necessary. If the Commission determines that such publication is required, the notice shall be published in the form and for the time prescribed by the Commission, not to exceed once a week for four consecutive weeks, in a newspaper or newspapers of general circulation published in the Commonwealth.B. Prior to publication or upon completion of publication, the Commission shall determine whether a hearing should be held before acting upon the filing. If the Commission determines that a hearing should be held, it shall order one to be held within a reasonable time, but not less than ten days after issuing the order setting the hearing. The Commission shall notify the person making the filing and any other person it deems interested in the filing of the hearing.C. Upon determination that publication of notice of a filing is unnecessary, upon completion of any required publication when no hearing is ordered, or upon completion of a hearing, the Commission shall (i) approve the filing as submitted or with any modifications deemed appropriate by the Commission, or (ii) disapprove the filing. If a filing is approved with modifications, or is disapproved, the order of such approval or disapproval shall state the reasons for the decision.Code 1950, §§ 38-209, 38-253.28, 38-253.74; 1952, c. 317, § 38.1-254; 1986, c. 562.
VA Code § 38.2-2008 (2021)
2021 Code of Virginia|Title 38.2 - Insurance|Chapter 20 - Regulation of Rates for Certain Types of Insurance|§ 38.2-2008. Review of rates by Commission

The Commission may investigate and determine, (i) upon its own motion, (ii) at the request of any citizen of this Commonwealth, or (iii) at the request of any insurer subject to this chapter, whether rates in this Commonwealth for the insurance to which this chapter applies are excessive, inadequate or unfairly discriminatory. In accordance with its findings, the Commission may order changes in the rates that are fair and equitable to all interested parties. In any investigation and determination, the Commission shall give due consideration to those factors specified in subsection B of § 38.2-2005.Code 1950, §§ 38-212, 38-253.23, 38-253.69; 1952, c. 317, § 38.1-255; 1986, c. 562.
VA Code § 38.2-2010 (2021)
2021 Code of Virginia|Title 38.2 - Insurance|Chapter 20 - Regulation of Rates for Certain Types of Insurance|§ 38.2-2010. Suspension or modification of requirement for filing

The Commission, by order, may suspend or modify the filing requirement of this chapter for any kind of insurance or subdivision or combination of insurance, or for classes of risks, where the rates for the insurance cannot practicably be filed before they are used. The order shall be made known to insurers and rate service organizations affected by it. The Commission may make any examination it deems advisable to determine whether any rates affected by the order meet the standards set out in subsection A of § 38.2-2005.Code 1950, §§ 38-253.31, 38-253.77; 1952, c. 317, § 38.1-259; 1986, c. 562.
VA Code § 38.2-2011 (2021)
2021 Code of Virginia|Title 38.2 - Insurance|Chapter 20 - Regulation of Rates for Certain Types of Insurance|§ 38.2-2011. Interchange of rating data and information

To promote uniform administration of rate regulatory laws, the Commission and each insurer and each rate service organization subject to this chapter may (i) exchange information and experience data with insurance supervisory officials, insurers, and rate service organizations in other states, and (ii) consult with them regarding rate making and the application of rating schedules and rating plans. Reasonable rules and plans may be promulgated by the Commission for the interchange of data necessary for the application of rating plans.Code 1950, §§ 38-218, 38-253.37, 38-253.38, 38-253.83, 38-253.84; 1952, c. 317, § 38.1-260; 1986, c. 562.
VA Code § 38.2-2012 (2021)
2021 Code of Virginia|Title 38.2 - Insurance|Chapter 20 - Regulation of Rates for Certain Types of Insurance|§ 38.2-2012. Collection of experience data; uniformity; compilations available to insurers and rate service organizations

A. The Commission may promulgate reasonable rules and statistical plans for each of the rating systems on file with it, which may be modified from time to time. These rules and plans shall be used by each insurer in the recording and reporting of its loss and countrywide expense experience, so that the experience of all insurers may be made available, at least annually, in the form and detail as may be necessary to aid the Commission in determining whether rating systems comply with the standards set forth in subsection A of § 38.2-2005. The rules and plans may also provide for the recording and reporting of expense experience items that are specially applicable to this Commonwealth and cannot be determined by prorating the countrywide expense experience.B. In promulgating the rules and plans, the Commission shall give due consideration to (i) the rating systems on file with it and (ii) the rules and the form of the plans used for rating systems in other states so that the rules and plans may be as uniform as practicable among the several states. No insurer shall be required to record or report its loss experience on a classification basis that is inconsistent with the rating system filed by it or on its behalf.C. The Commission may designate one or more rate service organizations or other agencies to assist it in gathering the experience data and making compilations of it. The compilations shall be made available, subject to reasonable rules promulgated by the Commission, to insurers and rate service organizations.Code 1950, §§ 38-253.36, 38-253.82; 1952, c. 317, § 38.1-261; 1986, c. 562.
VA Code § 38.2-2013 (2021)
2021 Code of Virginia|Title 38.2 - Insurance|Chapter 20 - Regulation of Rates for Certain Types of Insurance|§ 38.2-2013. Excess rate for specific risk

Subject to the Commission's approval, a rate in excess of that provided by an applicable filing may be used for a specific risk upon the filing of (i) written application of an insurer stating its reasons for the increased rate, accompanied by (ii) the written consent of the insured or prospective insured.Code 1950, §§ 38-211, 38-253.32, 38-253.78; 1952, c. 317, § 38.1-262; 1986, c. 562.
VA Code § 38.2-2014 (2021)
2021 Code of Virginia|Title 38.2 - Insurance|Chapter 20 - Regulation of Rates for Certain Types of Insurance|§ 38.2-2014. Contract or policy to accord with filings

No insurer shall make or issue an insurance policy or contract to which this chapter applies, except in accordance with the filings that are in effect for that insurer, or in accordance with an applicable provision in § 38.2-2010 or § 38.2-2013.Code 1950, §§ 38-253.33, 38-253.79; 1950, p. 381; 1952, c. 317, § 38.1-263; 1986, c. 562; 1993, c. 985.
VA Code § 38.2-2015 (2021)
2021 Code of Virginia|Title 38.2 - Insurance|Chapter 20 - Regulation of Rates for Certain Types of Insurance|§ 38.2-2015. Agreements for equitable apportionment of insurance; reasonable performance standards; Virginia Workers' Compensation Insurance Plan

A. Agreements among insurers may be made for the equitable apportionment among them of insurance that may be afforded applicants who are in good faith entitled to insurance but who are unable to procure it through ordinary methods. Insurers may agree among themselves on the use of reasonable rate modifications for the insurance. The agreements and rate modifications shall be subject to the approval of the Commission.B. The Commission may require that the agreements contain reasonable performance standards for insurers or agents, or both, with respect to insurance afforded such applicants. The performance standards may contain, but shall not be limited to: (i) original applications, (ii) premium payments, (iii) policy issuance, (iv) policy changes, (v) return premium, (vi) return commission and (vii) administrative procedures for monitoring compliance with the standards.C. The Commission may approve policy forms and endorsements for use by such insurers with respect to insurance afforded such applicants.D. All licensed insurers writing workers' compensation insurance in the Commonwealth shall participate in the Virginia Workers' Compensation Insurance Plan, which shall provide for the equitable apportionment among the participants of insurance that may be afforded applicants who are in good faith entitled to but who are unable to procure such insurance through ordinary methods. Notwithstanding any other provision of law, insurers and rate service organizations participating in the Virginia Workers' Compensation Insurance Plan may, in connection with such participation, act in cooperation with each other in the making of rates, rating systems, policy forms, underwriting rules, surveys, inspections, investigations, the furnishing of statistical or other information on losses and expenses, or the conduct of research. The rates and supplementary rate information to be used by such plan shall be approved by the Commission. Such rates shall reflect residual market experience to the extent actuarially appropriate and shall be set so that the amount received in premiums, together with reasonable investment income earned on those premiums, is reasonably expected to be sufficient to pay claims and losses incurred and reasonable operating expenses of the servicing insurers.Code 1950, § 38-250; 1952, c. 317, § 38.1-264; 1964, c. 596; 1966, c. 299; 1980, c. 112; 1986, c. 562; 1993, c. 985.
VA Code § 38.2-2016 (2021)
2021 Code of Virginia|Title 38.2 - Insurance|Chapter 20 - Regulation of Rates for Certain Types of Insurance|§ 38.2-2016. Information regarding rates to be furnished insured

Each rate service organization and each insurer subject to this chapter that makes its own rates shall furnish to any insured affected by those rates, or to the authorized representative of the insured, all pertinent information regarding the rate within a reasonable time after receiving a written request for the information.Code 1950, §§ 38-215, 38-251, 38-253.47; 1952, c. 317, § 38.1-266; 1986, c. 562.
VA Code § 38.2-2017 (2021)
2021 Code of Virginia|Title 38.2 - Insurance|Chapter 20 - Regulation of Rates for Certain Types of Insurance|§ 38.2-2017. No rule prohibiting or regulating payment of dividends, etc., to be adopted

No rate service organization subject to this chapter shall adopt any rule prohibiting or regulating the payment of dividends, savings or unabsorbed premium deposits allowed or returned by insurers to their policyholders, members or subscribers.Code 1950, §§ 38-253.12, 38-253.58; 1952, c. 317, § 38.1-267; 1986, c. 562.
VA Code § 38.2-2018 (2021)
2021 Code of Virginia|Title 38.2 - Insurance|Chapter 20 - Regulation of Rates for Certain Types of Insurance|§ 38.2-2018. Person aggrieved by application of rating system to be heard; appeal to Commission

Each rate service organization and each insurer subject to this chapter that makes its own rates shall provide within this Commonwealth reasonable means whereby any person aggrieved by the application of its rating system may, after written request, be heard in person or by an authorized representative to review the manner in which the rating system has been applied to the insurance afforded him. If the rate service organization or insurer fails to grant or reject the request within thirty days after it is made, the applicant may proceed in the same manner as if his application had been rejected. Any person affected by the action of the rate service organization or the insurer on such request may, within thirty days after written notice of the action, appeal to the Commission. The Commission may affirm or reverse the action after a hearing held upon not less than ten days' written notice to the applicant and to the rate service organization or insurer.Code 1950, §§ 38-252, 38-253.48; 1952, c. 317, § 38.1-268; 1986, c. 562.
VA Code § 38.2-2019 (2021)
2021 Code of Virginia|Title 38.2 - Insurance|Chapter 20 - Regulation of Rates for Certain Types of Insurance|§ 38.2-2019. Cooperation among rate service organizations, or among rate service organizations and insurers, authorized; review by Commission

Cooperation among rate service organizations or among rate service organizations and insurers in rate making or in other matters within the scope of this chapter is authorized if the filings resulting from the cooperation are subject to all the provisions of this chapter that are applicable to filings generally. The Commission may review cooperative activities and practices. If, after providing notice and opportunity to be heard, it finds that any activity or practice is unfair, unreasonable or otherwise inconsistent with this chapter, it shall issue an order (i) specifying in what respects the activity or practice is unfair, unreasonable or otherwise inconsistent with this chapter, and (ii) requiring the discontinuance of the activity or practice.Code 1950, §§ 38-253.13, 38-253.59; 1952, c. 317, § 38.1-269; 1986, c. 562.
VA Code § 38.2-2020 (2021)
2021 Code of Virginia|Title 38.2 - Insurance|Chapter 20 - Regulation of Rates for Certain Types of Insurance|§ 38.2-2020. Rate service organization may procure actuarial, technical or other services

Any rate service organization subject to this chapter may subscribe for or purchase actuarial, technical or other services if these services are available without discrimination to all members of and subscribers to the rate service organization.Code 1950, §§ 38-204, 38-253.14, 38-253.61; 1952, c. 317, § 38.1-270; 1986, c. 562.
VA Code § 38.2-2021 (2021)
2021 Code of Virginia|Title 38.2 - Insurance|Chapter 20 - Regulation of Rates for Certain Types of Insurance|§ 38.2-2021. Examination of policies or other evidences of insurance

Any rate service organization subject to this chapter for the classes of insurance for which it files rates may provide for the examination of policies, daily reports, binders, renewal certificates, endorsements or other evidences of insurance, or evidences of the cancellation of insurance, and may make reasonable rules governing their submission and the correction of any errors or omissions in them.Code 1950, §§ 38-205, 38-253.15, 38-253.60; 1952, c. 317, § 38.1-271; 1986, c. 562.
VA Code § 38.2-2022 (2021)
2021 Code of Virginia|Title 38.2 - Insurance|Chapter 20 - Regulation of Rates for Certain Types of Insurance|§ 38.2-2022. Advisory organizations defined

For the purpose of this article, "advisory organization" means any group, association or other organization of insurers, located within or outside this Commonwealth, that assists insurers who make their own filings or rate service organizations in rate making, by the collection and furnishing of loss or expense statistics or by the submission of recommendations, but that does not make filings under this chapter for the kind of insurance involved.Code 1950, §§ 38-218.1, 38-253.16, 38-253.63; 1952, c. 317, § 38.1-272; 1986, c. 562.
VA Code § 38.2-2023 (2021)
2021 Code of Virginia|Title 38.2 - Insurance|Chapter 20 - Regulation of Rates for Certain Types of Insurance|§ 38.2-2023. What to be filed with Commission by advisory organization

Each advisory organization shall file with the Commission:1. A copy of its constitution, its articles of agreement or association or its certificate of incorporation, and of its bylaws, rules and regulations governing its activities;2. A list of its members; and3. The name and address of a resident of this Commonwealth upon whom may be served notices or orders of the Commission or process issued at its direction.Code 1950, §§ 38-218.1, 38-253.17, 38-253.64; 1952, c. 317, § 38.1-273; 1986, c. 562.
VA Code § 38.2-2024 (2021)
2021 Code of Virginia|Title 38.2 - Insurance|Chapter 20 - Regulation of Rates for Certain Types of Insurance|§ 38.2-2024. Unfair acts or practices of advisory organization

If after a hearing the Commission finds that the furnishing of information or assistance by any advisory organization involves any act or practice that is unfair, unreasonable or otherwise inconsistent with this chapter, the Commission may issue a written order (i) specifying in what respects the act or practice is unfair, unreasonable or otherwise inconsistent with this chapter, and (ii) requiring the discontinuance of the act or practice.Code 1950, §§ 38-218.1, 38-253.18, 38-253.65; 1952, c. 317, § 38.1-274; 1986, c. 562.
VA Code § 38.2-2025 (2021)
2021 Code of Virginia|Title 38.2 - Insurance|Chapter 20 - Regulation of Rates for Certain Types of Insurance|§ 38.2-2025. Statistics or recommendations by advisory organization not complying with this article or order of Commission

No insurer that makes its own filings nor any rate service organization shall support its filings by statistics or adopt rate making recommendations furnished to it by an advisory organization that has not complied with (i) the provisions of this article or (ii) any order of the Commission entered under § 38.2-2024, involving such statistics or recommendations. If the Commission finds any insurer or rate service organization to be in violation of this section it may issue an order requiring the discontinuance of the violation.Code 1950, §§ 38-253.19, 38-253.66; 1952, c. 317, § 38.1-275; 1986, c. 562.
VA Code § 38.2-2026 (2021)
2021 Code of Virginia|Title 38.2 - Insurance|Chapter 20 - Regulation of Rates for Certain Types of Insurance|§ 38.2-2026. Action of Commission upon request for hearing on order or decision made without a hearing

A. Any person aggrieved by an order or a decision of the Commission made under this chapter without a hearing may, within thirty days after notice of the order or decision, make a written request to the Commission for a hearing on the order or decision. Within a reasonable time after the request the Commission, after having given at least ten days' written notice of the time and place of hearing, shall hear the person aggrieved by the order or decision. Within a reasonable time after the hearing the Commission shall affirm, reverse or modify its previous action, specifying its reasons for the affirmation, reversal or modification.B. Pending the hearing and decision on its previous action, the Commission may suspend or postpone the effective date of the order or decision to which the hearing relates.Code 1950, §§ 38-218.11, 38-253, 38-253.49; 1952, c. 317, § 38.1-276; 1986, c. 562.
VA Code § 38.2-2027 (2021)
2021 Code of Virginia|Title 38.2 - Insurance|Chapter 20 - Regulation of Rates for Certain Types of Insurance|§ 38.2-2027. Withholding information; giving false or misleading information

No person shall willfully withhold information from or knowingly give false or misleading information to (i) the Commission, (ii) any statistical agency designated by the Commission, (iii) any rate service organization or (iv) any insurer that will affect the rates or premiums subject to this chapter.Code 1950, §§ 38-218.6, 38-253.41, 38-253.87; 1952, c. 317, § 38.1-277; 1986, c. 562.
VA Code § 38.2-2100 (2021)
2021 Code of Virginia|Title 38.2 - Insurance|Chapter 21 - Fire Insurance Policies|§ 38.2-2100. Application of chapter

This chapter applies only to contracts or policies of fire insurance, and contracts or policies of fire insurance in combination with other insurance coverages.1986, c. 562.
VA Code § 38.2-2101 (2021)
2021 Code of Virginia|Title 38.2 - Insurance|Chapter 21 - Fire Insurance Policies|§ 38.2-2101. Policies shall conform to provisions of this chapter

No insurance policy or contract on any property in this Commonwealth shall be issued or delivered in this Commonwealth unless the policy or contract meets the requirements of this chapter.Code 1950, § 38-177; 1952, c. 317, § 38.1-363; 1986, c. 562.
VA Code § 38.2-2102 (2021)
2021 Code of Virginia|Title 38.2 - Insurance|Chapter 21 - Fire Insurance Policies|§ 38.2-2102. Excluding loss or damage caused by nuclear reaction, nuclear radiation, or radioactive contamination

A. The standard policy of fire insurance prescribed by this chapter shall not cover loss or damage caused by nuclear reaction, nuclear radiation, or radioactive contamination, whether resulting directly or indirectly from a peril insured under the policy. Insurers issuing the standard policy of fire insurance are authorized to affix to the policy or include therein a written statement that the policy does not cover loss or damage caused by nuclear reaction, nuclear radiation, or radioactive contamination, whether resulting directly or indirectly from a peril insured under the policy. However, an endorsement or endorsements specifically assuming coverage for loss or damage caused by nuclear reaction, nuclear radiation, or radioactive contamination may be attached to the standard policy of fire insurance.B. Notwithstanding the provisions of § 38.2-2105, for the purposes of commercial property and casualty insurance policies, the standard policy of fire insurance prescribed by this chapter shall not cover loss or damage caused by certified acts of terrorism as defined in the Terrorism Risk Insurance Act (15 U.S.C. § 6701) whether resulting directly or indirectly from a peril insured under the policy if the insured has refused coverage offered pursuant to the Terrorism Risk Insurance Act.1960, c. 117, § 38.1-363.1; 1986, c. 562; 2003, c. 930.
VA Code § 38.2-2103 (2021)
2021 Code of Virginia|Title 38.2 - Insurance|Chapter 21 - Fire Insurance Policies|§ 38.2-2103. Information to be printed on policy

There shall be prominently printed on every policy issued on property in this Commonwealth (i) the name of the insurer issuing the policy, (ii) the location of the home office of the insurer, and (iii) a statement specifying whether the insurer is a stock company, a mutual company, a reciprocal insurer, or other form of insurer. If the policy is jointly issued by more than one insurer, the information shall be included for each insurer.Code 1950, § 38-178; 1950, p. 993; 1952, c. 317, § 38.1-364; 1986, c. 562.
VA Code § 38.2-2106 (2021)
2021 Code of Virginia|Title 38.2 - Insurance|Chapter 21 - Fire Insurance Policies|§ 38.2-2106. Standard form for execution of policies

Except as provided in § 38.2-2107, each policy shall contain the following clause, which shall be used in executing and attesting the policy:IN WITNESS WHEREOF, this Company has executed and attested these presentsImmediately following the execution clause a space shall be left for the signature of the officer or officers of the company authorized to sign the policy.Code 1950, § 38-186; 1950, p. 994; 1952, c. 317, § 38.1-367; 1986, c. 562.
VA Code § 38.2-2107 (2021)
2021 Code of Virginia|Title 38.2 - Insurance|Chapter 21 - Fire Insurance Policies|§ 38.2-2107. Commission may establish guidelines for filing readable fire insurance policy forms

A. The Commission may establish guidelines for the filing of simplified and readable policies of insurance. An insurer may issue a simplified and readable policy of insurance that deviates in language from the standard policy form provided for in §§ 38.2-2104, 38.2-2105, and 38.2-2106 if the deviating policy form is (i) in no respect less favorable to the insured than the standard policy form, and is (ii) approved by the Commission prior to issuance.B. Notwithstanding the pro rata liability provision included in § 38.2-2105, such simplified and readable policies or endorsements may be issued to apply on an excess basis if such provisions are clearly stated in the policy form or endorsement.1977, c. 255, § 38.1-367.1; 1979, c. 176; 1986, c. 562; 2003, c. 930; 2013, c. 12.