reglab/housing_qa huggingface dataset:
NY Ins L § 2325 (2021)
2021 New York Laws ISC - Insurance Article 23 - Property/casualty Insurance Rates 2325 - Accounts and Statistics.

§  2325. Accounts and statistics. The superintendent shall have power,   in his discretion, to prescribe by regulation,  uniform  classifications   of  accounts  to  be observed, and statistics to be reported by insurers   and other organizations which are subject  to  the  provisions  of  this   article.  He  may also in his discretion prescribe, by regulation, forms   of reporting such data by insurers and such  other  organizations.  Such   classifications  of  accounts and statistics to be reported and forms of   reporting shall be reasonable and may vary with  the  kind  or  type  of   insurer  or  organization. No such regulation or amendment thereto shall   be promulgated by  the  superintendent  except  upon  notice  and  after   hearing   to  all  insurers  and  organizations  affected  thereby.  Any   regulation  or  amendment  thereto   shall   be   promulgated   by   the   superintendent  at least six months before the beginning of the calendar   year in which the same shall take effect.
NY Ins L § 2326 (2021)
2021 New York Laws ISC - Insurance Article 23 - Property/casualty Insurance Rates 2326 - Evaluation of Competitive Rating Provisions.

* §   2326.   Evaluation   of   competitive   rating  provisions.  The   superintendent  shall  continuously  monitor  the   operation   of   the   provisions  of  this  article  which  are  applicable  to  the  kinds of   insurance or insurance activities  the  rates  for  which,  pursuant  to   subsection  (a)  of  section  two  thousand  three  hundred five of this   article, are not subject to prior approval.* NB Expires July 1, 2023
NY Ins L § 2328 (2021)
2021 New York Laws ISC - Insurance Article 23 - Property/casualty Insurance Rates 2328 - Certain Motor Vehicle Insurance Rates; Prior Approval.

§ 2328. Certain motor vehicle insurance rates; prior approval. For the   periods  February  first,  nineteen  hundred seventy-four through August   second,  two   thousand   one,   and   the   effective   date   of   the   property/casualty insurance availability act through June thirtieth, two   thousand  twenty-three,  no changes in rates, rating plans, rating rules   and rate  manuals  applicable  to  motor  vehicle  insurance,  including   no-fault  coverages  under  article  fifty-one of this chapter, shall be   made effective until approved by the superintendent, notwithstanding any   inconsistent provisions of this article; provided, however, that changes   in such rates, rating plans, rating rules and rate manuals may  be  made   effective  without  such  approval  if  the  rates that result from such   changes are no higher than the insurer's  rates  last  approved  by  the   superintendent.  This  section  shall  apply  only  to policies covering   losses or liabilities arising out of ownership of a motor  vehicle  used   principally  for the transportation of persons for hire, including a bus   or a school bus as defined in sections one hundred four and one  hundred   forty-two of the vehicle and traffic law.
NY Ins L § 2329 (2021)
2021 New York Laws ISC - Insurance Article 23 - Property/casualty Insurance Rates 2329 - Motor Vehicle Insurance Rates; Excess Profits.

§  2329.  Motor vehicle insurance rates; excess profits. In accordance   with regulations prescribed by the superintendent, each insurer  issuing   policies  that  are  subject  to  article  fifty-one  of  this  chapter,   including policies of motor vehicle personal injury liability  insurance   or  policies  of  motor  vehicle  property damage liability insurance or   insurance for loss or damage to a motor vehicle, shall establish a fair,   practicable, and  nondiscriminatory  plan  for  refunding  or  otherwise   crediting to those purchasing such policies their share of the insurer's   excess  profit,  if  any,  on such policies. An excess profit shall be a   profit beyond a percentage rate of return on net worth  attributable  to   such  policies,  computed  in accordance with the regulation required by   section two thousand three hundred twenty-three  of  this  article,  and   determined by the superintendent to be so far above a reasonable average   profit  as  to amount to an excess profit, taking into consideration the   fact that losses or profits below a reasonable average profit  will  not   be  recouped  from  such  policyholders. Each plan shall apply to policy   periods for the periods January  first,  nineteen  hundred  seventy-four   through  August  second, two thousand one, and the effective date of the   property/casualty insurance availability act through June thirtieth, two   thousand   twenty-three.   In   prescribing   such    regulations    the   superintendent   may  limit  the  duration  of  such  plans,  waive  any   requirement for refund or credit that he or  she  determines  to  be  de   minimis  or  impracticable, adopt forms of returns that shall be made to   him or her in order to establish the amount of any refund or credit due,   establish periods and times for the determination  and  distribution  of   refunds and credits, and shall provide that insurers receive appropriate   credit  against  any  refunds  or  credits required by any such plan for   policyholder dividends and for return premiums that  may  be  due  under   rate credit or retrospective rating plans based on experience.
NY Ins L § 2330 (2021)
2021 New York Laws ISC - Insurance Article 23 - Property/casualty Insurance Rates 2330 - No Fault Motor Vehicle Insurance Rates; Reflection of Reduced Exposure to Loss.

§  2330. No fault motor vehicle insurance rates; reflection of reduced   exposure to loss. Where the principal operator of  a  motor  vehicle  or   such  operator's  spouse  is eligible for medicare benefits for items of   basic economic loss specified in paragraph  one  of  subsection  (a)  of   section  five  thousand  one  hundred  two of this chapter, or where the   insurer's obligation to pay first party benefits for  loss  of  earnings   from work is reduced by virtue of the provisions of such subsection, the   premium  attributable  to coverage under the automobile insurance policy   for such items shall be appropriately modified to reflect the  insurer's   reduced exposure to loss.
NY Ins L § 2331 (2021)
2021 New York Laws ISC - Insurance Article 23 - Property/casualty Insurance Rates 2331 - Motor Vehicle Comprehensive Insurance Rates; Age, Sex or Marital Status.

§  2331.  Motor  vehicle  comprehensive  insurance  rates; age, sex or   marital status. No filing of a rate, rating plan, rating  rule  or  rate   manual  applicable to insurance for loss of or damage to a motor vehicle   other  than  by  collision  or  upset,  shall   be   approved   by   the   superintendent  if the filing is based, in whole or in part, on the age,   sex or marital status of an  owner  or  operator  of  an  insured  motor   vehicle unless such filing is supported by and reflective of actuarially   sound statistical data.
NY Ins L § 2332 (2021)
2021 New York Laws ISC - Insurance Article 23 - Property/casualty Insurance Rates 2332 - Non-Commercial Private Passenger Automobile Insurance Rates; Experienced and Inexperienced Principal Operators.

§  2332.  Non-commercial private passenger automobile insurance rates;   experienced and  inexperienced  principal  operators.  With  respect  to   non-commercial  private  passenger  automobiles,  no  filing  of a rate,   rating plan, rating rule or rate  manual  applicable  to  motor  vehicle   collision insurance, the insurance provided for in section five thousand   one  hundred three of this chapter, bodily injury liability insurance or   property  damage  liability  insurance  shall   be   approved   by   the   superintendent  unless,  in  accordance with a regulation issued after a   public hearing, the filing reflects  an  appropriate  rate  differential   between an experienced and inexperienced principal operator.
NY Ins L § 2333 (2021)
2021 New York Laws ISC - Insurance Article 23 - Property/casualty Insurance Rates 2333 - Non-Commercial Private Passenger Automobile Insurance Rates; Apportionment of Expenses.

§  2333.  Non-commercial private passenger automobile insurance rates;   apportionment  of  expenses.  With  respect  to  non-commercial  private   passenger  automobiles, no filing of a rate, rating plan, rating rule or   rate manual applicable to insurance for loss of or  damage  to  a  motor   vehicle, the insurance provided for in section five thousand one hundred   three  of  this  chapter,  bodily injury liability insurance or property   damage liability insurance shall be approved by the  superintendent,  if   the  filing  allocates  all of an insurer's administrative expenses as a   percentage of premium. Every insurer  shall  reasonably  apportion  such   expenses  among  its  policyholders.  For  the  purpose of this section,   administrative  expenses  includes  general  expenses  and   acquisition   expenses other than commissions.
NY Ins L § 2334 (2021)
2021 New York Laws ISC - Insurance Article 23 - Property/casualty Insurance Rates 2334 - Non-Commercial Private Passenger Automobile Insurance Rates; Merit Rating Plans.

§  2334.  Non-commercial private passenger automobile insurance rates; merit rating plans. (a) The superintendent shall, after public  hearing, promulgate  a  regulation,  which  may  be  amended  from  time to time, applicable to  non-commercial  private  passenger  automobile  insurance merit  rating plans which reflect an individual driver's experience with respect to accidents, claims or traffic violations. The regulation shall continue to encourage competition among insurers, but  shall  discourage merit  rating  plan  provisions  which  may  tend to create confusion or misunderstanding  among  insureds.  The   regulation   shall   establish standards and limitations intended to insure that merit rating plans are reasonable,   understandable   and   objective   and  are  not  unfairly discriminatory, inequitable, violative of  public  policy  or  otherwise contrary to the best interests of the people of this state.  (b) Insurers shall review their merit rating plans which were approved by  the  superintendent  prior  to  the  promulgation  of the regulation required by this section and  shall,  before  November  first,  nineteen hundred  eighty-two,  file with the superintendent statements that their merit rating plans conform with  the  regulation,  or  file  appropriate amendments to their plans which will bring them into compliance with the standards of the regulation. Such amendments shall become effective upon approval by the superintendent.
NY Ins L § 2335-A (2021)
2021 New York Laws ISC - Insurance Article 23 - Property/casualty Insurance Rates 2335-A - Prohibition of Rate Increases for Persons Involved in Emergency Use of Vehicles.

§  2335-a.  Prohibition  of  rate  increases  for  persons involved in   emergency  use  of  vehicles.  No  insurer  authorized  to  transact  or   transacting  business  in this state, or controlling or controlled by or   under common control by or with an insurer  authorized  to  transact  or   transacting business in this state, which sells a policy providing motor   vehicle  liability  insurance  coverage in this state shall increase the   policy premium in connection with the insurance permitted or required by   this chapter  solely  because  the  insured  or  any  other  person  who   customarily  operates  an  automobile  covered  by the policy has had an   accident while operating a motor vehicle in response  to  an  emergency,   where  the  insured was either responding to a call to duty as a paid or   volunteer member of any police or fire department or first aid squad; or   was performing any other function on behalf of the state, any  political   subdivision  thereof, a public authority, public benefit corporation, or   any other governmental agency or instrumentality in a public emergency.
NY Ins L § 2336-A (2021)
2021 New York Laws ISC - Insurance Article 23 - Property/casualty Insurance Rates 2336-A - Snowmobile Liability Insurance Rates; Premium Reductions in Certain Cases.

§  2336-a. Snowmobile liability insurance rates; premium reductions in   certain cases. Any schedule of  rates  or  rating  plan  for  snowmobile   liability  insurance  submitted to the superintendent may provide for an   actuarially appropriate reduction in premium charges for any insured who   has successfully completed a snowmobile safety  course  which  has  been   approved   by   the  commissioner  of  parks,  recreation  and  historic   preservation.
NY Ins L § 2336-B (2021)
2021 New York Laws ISC - Insurance Article 23 - Property/casualty Insurance Rates 2336-B - Boat Liability Insurance Rates; Premium Reductions in Certain Cases.

§  2336-b.  Boat  liability  insurance  rates;  premium  reductions in certain cases. (a) Any  schedule  of  rates  or  rating  plan  for  boat liability insurance submitted to the superintendent shall provide for an appropriate  reduction  in  premium  charges,  as  described  in section seventy-eight-a  of  the  navigation  law,  for  any  insured  who   has successfully  completed  a  boating safety course or an advanced boating safety course which meets the requirements of part five of article  four of  the  navigation  law  and  has  been approved by the commissioner of parks, recreation and historic  preservation.  The  provisions  of  this section  shall  not apply to attendance at a course pursuant to sections forty-five or forty-nine of the  navigation  law  as  a  result  of  any boating infraction.  (b) For the purposes of this section:  (1) the term "boat" shall mean any residential or pleasure vessel that is  not  a crew racing shell as defined in section two of the navigation law.  (2) the term "boating  safety  course"  or  "advanced  boating  safety course"  shall  mean  a  course  of  instruction  or  advanced course of instruction that  has  been  approved  by  the  commissioner  of  parks, recreation and historic preservation pursuant to section seventy-nine of the navigation law.  (3)  the term "boating safety certificate" shall mean a document which cannot be altered and which is provided to  a  person  who  successfully completes  a  boating  safety  course  or advanced boating safety course pursuant to section seventy-eight of the navigation law.  (c)  An  insurer,  upon  approval  of  the  superintendent,  may  upon submission  of  a  completion  certificate  by  an  insured,  provide an actuarially appropriate reduction of  the  premium  for  such  insured's yacht or boating liability insurance.  (d)  The superintendent may establish, by rule or otherwise, standards or guidelines to be used to accomplish the provisions of this section.
NY Ins L § 2337 (2021)
2021 New York Laws ISC - Insurance Article 23 - Property/casualty Insurance Rates 2337 - Private Passenger Automobile Physical Damage Insurance; Statistics on Use of Anti-Theft Devices and the Maximum Discount for All Anti-Theft Devices.

§  2337.  Private  passenger  automobile  physical  damage  insurance; statistics on use of anti-theft devices and the maximum discount for all anti-theft devices.  (a) In accordance with procedures prescribed by the superintendent pursuant to the provisions of subsection (a)  of  section two  thousand  three hundred fifteen of this article, each insurer which offers physical damage insurance subject to the  provisions  of  section three  thousand  four  hundred  eleven  of  this  chapter shall maintain statistics of the fire, theft and comprehensive insurance experience  of its  insureds whose automobiles are and are not equipped with anti-theft devices. Such statistics shall include the name, type  and  manufacturer of   such   devices.  The  superintendent  shall  direct  that  insurers appropriately  modify  the  premium  attributable  to  fire,  theft  and comprehensive  coverages  for automobiles equipped with such devices, to reflect reduced exposure to loss.  (b) The maximum discount on  theft  and  comprehensive  motor  vehicle insurance  coverage  for  all  anti-theft  devices  provided for in this article shall be an appropriate discount based solely on sound actuarial practices and limited only by sound actuarial determinations.
NY Ins L § 2338 (2021)
2021 New York Laws ISC - Insurance Article 23 - Property/casualty Insurance Rates 2338 - Appeal From Rate Service Organization Action.

§ 2338. Appeal from rate service organization action. (a) This section shall  apply  only to kinds of insurance the rates for which are subject to prior approval pursuant to subsection (b)  of  section  two  thousand three hundred five of this article.  (b)  Any  member  of  or subscriber to a rate service organization may appeal to the superintendent from the action or  decision  of  the  rate service organization in approving or rejecting any proposed change in or addition  to  its  filings. The superintendent, within thirty days after the filing of such appeal, shall hold a hearing upon not less  than  ten days'   written  notice  to  the  appellant  and  to  the  rate  service organization. After the hearing the superintendent shall issue an  order approving  the  action  or  decision of the rate service organization or directing it to give further consideration to such proposal, or, if such appeal is from the action or decision of the rate  service  organization in rejecting a proposed addition to its filings, he may, in the event he finds  that  such  action  or  decision was unreasonable, issue an order directing the rate service organization  to  make  an  addition  to  its filings,  on  behalf  of  its  members  and  subscribers,  in  a  manner consistent with  his  findings,  within  a  reasonable  time  after  the issuance of such order.  (c)  If  the  appeal  is  based  upon  the failure of the rate service organization to make a filing on behalf of  such  member  or  subscriber which  is  based  on  a  system  of expense provisions which differs, in accordance with the right granted  in  subsection  (d)  of  section  two thousand  three hundred four of this article, from the system of expense provisions included in a filing made by the rate  service  organization, the  superintendent  shall,  if  he  grants  the  appeal, order the rate service organization to  make  the  requested  filing  for  use  by  the appellant.  In  deciding  the  appeal the superintendent shall apply the standards set forth in section two thousand three hundred three of  this article.
NY Ins L § 2340 (2021)
2021 New York Laws ISC - Insurance Article 23 - Property/casualty Insurance Rates 2340 - Credit Property Insurance.

§   2340.  Credit  property  insurance.  (a)  The  superintendent  may promulgate  regulations  covering  the  business  of   credit   property insurance.  (b) "Credit  property  insurance"  means  insurance against loss of or damage to personal property covering a creditor's security  interest  in such  property  when  insurance  is  written  as  a  part  of  a  credit transaction.
NY Ins L § 2342 (2021)
2021 New York Laws ISC - Insurance Article 23 - Property/casualty Insurance Rates 2342 - Expiration of Certain Provisions.

§ 2342. Expiration of certain provisions. The provisions of subsection   (c)  of  section  two thousand three hundred seven, section two thousand   three hundred eight,  subsection  (a)  of  section  two  thousand  three   hundred  ten,  sections two thousand three hundred sixteen, two thousand   three hundred twenty,  two  thousand  three  hundred  twenty-three,  two   thousand  three  hundred  twenty-six,  and  two  thousand  three hundred   thirty-five, and subsection (b) of section two  thousand  three  hundred   thirty-six  of  this  article  shall  cease to be of any force or effect   during the period August third, two thousand one through the day  before   the  effective date of the property/casualty insurance availability act,   and after June thirtieth, two thousand twenty-three.
NY Ins L § 2345 (2021)
2021 New York Laws ISC - Insurance Article 23 - Property/casualty Insurance Rates 2345 - Disclosure of Premium Reductions and Surcharges.

§ 2345. Disclosure of premium reductions and surcharges.  (a)  Every authorized insurer shall specify the nature of each premium reduction  or  surcharge  applied  on  a  non-commercial  motor  vehicle insurance policy.  (b)   The   insurer   shall  also  specify  the  total  dollar  amount attributable to all surcharges and the  dollar  amount  attributable  to each reduction.  (c)  The  disclosures  shall  be  made on either the premium bill, the declarations page or a notice  accompanying  the  premium  bill  or  the declarations page, when the surcharge or reduction is initially made and thereafter at each policy renewal.
NY Ins L § 2346-A (2021)
2021 New York Laws ISC - Insurance Article 23 - Property/casualty Insurance Rates 2346-A - Reduction in Rates of Certain Commercial Risk Insurance Premiums for Real Property.

§  2346-a.  Reduction  in  rates  of certain commercial risk insurance   premiums for real property.   The superintendent shall  provide  for  an   actuarially  appropriate  reduction in the rates of premiums for certain   commercial risk insurance, as defined in subparagraph (A)  of  paragraph   forty-seven  of  subsection  (a)  of  section  one hundred seven of this   chapter, to a purchaser of such insurance and shall  also  provide  such   reduction  to  a  public  entity  as  defined  in paragraph fifty-one of   subsection (a) of section one hundred seven of this chapter for the loss   of or damage to real  property  fitted  or  retrofitted  with  hurricane   resistant laminated glass windows or doors.  The superintendent shall by   regulation  establish  standards for hurricane resistant laminated glass   windows and doors, including the safe and secure installation thereof.
NY Ins L § 2347 (2021)
2021 New York Laws ISC - Insurance Article 23 - Property/casualty Insurance Rates 2347 - Workers' Compensation Rate Changes.

§  2347.  Workers'  compensation  rate  changes.  (a)  Any rate change affecting the general rate level for the kind of insurance authorized by paragraph fifteen of subsection (a) of section one thousand one  hundred thirteen  of  this chapter and pursuant to the provisions of section two thousand three hundred two of this article  shall  be  approved  by  the department no later than the fifteenth day of July for the year in which the  rate  change  is  to  take  effect, provided that (1) the filing is submitted on or  after  the  fifteenth  day  of  April  and  before  the fifteenth  day  of  July of that same year, and (2) any such rate change shall not take effect until on or after October first of that same year.  (b) In all cases other than those described in subsection (a) of  this section,  rate filings shall be approved by the department not less than seventy-five days before the effective date of such rates filed.  (c) Every insurer shall notify any insured affected by a  rate  change subject  to  this section affecting the general rate level made by it of that change at least thirty days prior to the date of  any  billing  for such  rate  change  made  by  the  insurer. Such notice shall include an estimate of the increase as well as an explanation of the nature of  the increase, and cost factors associated with said increase.  (d)  Premiums  based  upon  a  rate  change  subject  to  this section affecting the general rate level shall be payable by an  insured  on  an installment  basis  of  not  less  than  two payments per policy period, should the insured so choose, for any policy with a premium in excess of one thousand dollars.  (e) The department shall make available to the public a list  of  rate changes  subject  to  this  section  affecting the general rate level by industry classification within fifteen days from the date the department approves any rate changes.