reglab/housing_qa huggingface dataset:
AL Code § 27-9A-9 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 9A - Independent Adjusters.|Section 27-9A-9 - Exemptions From Examination.

Section 27-9A-9Exemptions from examination. (a) An individual applicant for an independent adjuster license in this state shall not be required to complete any prelicensing course or examination if the person is currently licensed in another state for the same line or lines of authority based on an independent adjuster examination or if such state license has expired and the application is received by this state within 90 days of expiration. The applicant shall either provide certification from the other state that the applicant's license is currently in good standing or was in good standing at the time of expiration or the state's producer database records maintained by the NAIC must indicate that the applicant is or was licensed in good standing. The certification must be of a license with the same line of authority for which the individual has applied. (b) A person licensed as an independent adjuster in another state based on an independent adjuster examination who, within 90 days of establishing legal residency in this state, applies to become a resident independent adjuster licensee pursuant to Section 27-9A-6 shall not be required to complete a prelicensing course or an examination. (c) An individual who applies for an independent adjuster license in this state who was previously licensed as an independent adjuster in this state shall not be required to complete a prelicensing course or examination, but this exemption is only available if the application is received within 12 months of the cancellation of the applicant's previous license in this state and if, at the time of cancellation, the applicant was in good standing in this state. (d) An individual applicant for an independent adjuster license in this state shall not be required to complete a prelicensing course or examination if the applicant was previously employed for a minimum of 20 years as an adjuster in this state by an insurance company licensed in this state and the applicant submits his or her application within 12 months of leaving the employment of the company. The insurance company, upon request, shall certify to the department the time period that the applicant was employed by the insurance company. (e) An individual applicant for an independent adjuster license in this state shall not be required to complete any prelicensing course or examination if the applicant holds a certification from a person or entity approved by the commissioner that provides adjuster education and training and that requires, as a prerequisite to certification, an examination substantially equivalent to that of this state. The applicant shall provide evidence of current certification. (Act 2011-637, p. 1544, §1; Act 2016-341, §1; Act 2017-431, §1.)
AL Code § 27-9A-10 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 9A - Independent Adjusters.|Section 27-9A-10 - Nonresident License.

Section 27-9A-10Nonresident license.  (a) Unless refused licensure pursuant to Section 27-9A-12, a nonresident person shall receive a nonresident independent adjuster license if: (1) The person is currently licensed in good standing as an independent adjuster in the resident or home state of the person. (2) The person has applied for a license and has paid the fees required by Section 27-4-2. (3) If a business entity, and as applicable, the entity has qualified or registered with the office of the Secretary of State to engage in business in this state. (4) The person's designated home state awards nonresident independent adjuster licenses to persons of this state on the same basis. (b) The commissioner may verify the independent adjuster's licensing status through any appropriate database, including the Producer Database maintained by the NAIC or may request certification of good standing as described in subsection (a) of Section 27-9A-9. (c) As a condition to the continuation of a nonresident independent adjuster license in this state, the licensee shall maintain a resident independent adjuster license in the adjuster's home state. A licensee shall notify the commissioner within 30 days if the independent adjuster license terminates for any reason and shall include the new address if the licensee has obtained a resident license in a new resident or home state. Termination of a resident or home state license shall terminate the nonresident independent adjuster license in this state unless the termination is due to the independent adjuster being issued a new resident independent adjuster license in a new resident or home state, provided the new resident or home state awards nonresident independent adjuster licenses to persons of this state on the same basis. (d) No resident of Canada may be licensed as a non-resident independent adjuster unless the person has obtained a resident or home state independent adjuster license. (Act 2011-637, §1.)
AL Code § 27-9A-13 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 9A - Independent Adjusters.|Section 27-9A-13 - Continuing Education.

Section 27-9A-13Continuing education. (a) An individual who holds an independent adjuster license and who is not exempt under subsection (b) shall satisfactorily complete a minimum of 24 hours of continuing education courses as may be approved by the commissioner, of which three hours must be in ethics, reported to the commissioner on a biennial basis in conjunction with the license renewal cycle. (b) This section shall not apply to: (1) Licensees not licensed for one full year prior to the end of the applicable continuing education biennium. (2) Licensees holding nonresident independent adjuster licenses who have met the continuing education requirements of their designated home state and whose home state gives credit to residents of this state on the same basis. (3) Licensees holding a certification from a person or entity approved by the commissioner that provides adjuster education and training and that requires, as a condition to maintenance of such certification, continuing education coursework substantially equivalent to that of this state. (c) Only continuing education courses and providers approved by the commissioner shall be used to satisfy the continuing education requirements of this section. Continuing education providers and courses shall be subject to the same requirements and fees set forth in Chapter 8A of this title. (d) The commissioner shall prescribe the number of hours of continuing education credit for each continuing education course approved. Continuing education courses submitted in accordance with a reciprocal agreement the commissioner enters with other states shall be approved according to the provisions of the reciprocal agreement. (e) If a continuing education course requires successful completion of a written examination, no continuing education credit shall be given to licensees who do not successfully complete the written examination. (f) An individual teaching any approved continuing education course shall qualify for the same number of hours of continuing education credit as would be granted to a licensee taking and satisfactorily completing the course. (Act 2011-637, p. 1544, §1; Act 2017-431, §1.)
AL Code § 27-9A-14 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 9A - Independent Adjusters.|Section 27-9A-14 - Record Retention.

Section 27-9A-14Record retention.  An independent adjuster shall maintain a copy of each contract between the independent adjuster and the insurer and comply with the record retention policy as agreed to in that contract. Records retained by an independent adjuster shall be made available for review or inspection if requested by the commissioner or authorized representatives of the commissioner. (Act 2011-637, §1.)
AL Code § 27-9A-15 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 9A - Independent Adjusters.|Section 27-9A-15 - Standards of Conduct of Independent Adjusters.

Section 27-9A-15Standards of conduct of independent adjusters. In the conduct of business in this state, each independent adjuster, apprentice adjuster, and emergency independent adjuster shall: (1) Be honest and fair in all communications with the insured, the insurer, and the public. (2) Give policyholders and claimants prompt, knowledgeable service, and courteous, fair, and objective treatment at all times. (3) Not give legal advice or engage in activities which are the unauthorized practice of law, and not deal directly with any policyholder or claimant who is represented by legal counsel without the consent of the legal counsel involved. (4) Comply with all local, state, and federal privacy and information security laws, if applicable. (5) Identify himself or herself as an independent adjuster and, if applicable, identify his or her employer when dealing with any policyholder or claimant. (6) Not have any financial interest in any adjustment or acquire any interest or title in salvage without first receiving written authority from the principal. (7) Comply with Chapter 12 of this title and any regulations implementing that chapter. (Act 2011-637, §1.)
AL Code § 27-9A-16 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 9A - Independent Adjusters.|Section 27-9A-16 - Reporting of Actions.

Section 27-9A-16Reporting of actions.  (a) An independent adjuster shall report to the commissioner any administrative action taken against the independent adjuster by a governmental agency in another jurisdiction or by another governmental agency in this state within 30 days of the final disposition of the matter. This report shall include a copy of the order, consent order, and any other relevant legal documents. (b) Within 30 days of the initial pretrial hearing date, an independent adjuster shall report to the commissioner any criminal action taken against the independent adjuster in this or any jurisdiction. The report shall include a copy of the initial complaint filed, the order resulting from the hearing, and any other relevant legal documents. (Act 2011-637, §1.)
AL Code § 27-9A-17 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 9A - Independent Adjusters.|Section 27-9A-17 - Fingerprints.

Section 27-9A-17Fingerprints. (a) In order to make a determination of license eligibility, the commissioner may require fingerprints of applicants and to submit the fingerprints and the fee required to perform the criminal history record checks to the Alabama Department of Public Safety and the Federal Bureau of Investigation for state and national criminal history record checks. (b) The commissioner may require a criminal history record check on each applicant in accordance with this section. The commissioner shall require each applicant to submit a full set of fingerprints, including a scanned file from a hard copy fingerprint, in order for the commissioner to obtain and receive national criminal history records from the Criminal Justice Information Services Division of the Federal Bureau of Investigation. In the case of business entity applicants, the commissioner shall require the submission of fingerprints of all of the following: (1) All executive officers and directors of the applicant. (2) Any individual owning, directly or indirectly, 51 percent or more of the outstanding voting securities of the applicant. (3) All executive officers and directors of entities owning 51 percent or more of the outstanding voting securities of the applicant. (c) The commissioner may contract for the collection, transmission, and resubmission of fingerprints required under this section. If the commissioner does so, the fee for collecting, transmitting, and retaining fingerprints shall be payable directly to the contractor by the person. The commissioner may agree to a reasonable fingerprinting fee to be charged by the contractor. (d) The commissioner may receive criminal history record information from the Federal Bureau of Investigation in lieu of the information being submitted to the Alabama Department of Public Safety. (e) The commissioner shall treat and maintain an applicant's fingerprints and any criminal history record information obtained under this section as confidential and shall apply security measures consistent with the Criminal Justice Information Services Division of the Federal Bureau of Investigation standards for the electronic storage of fingerprints and necessary identifying information and limit the use of records solely to the purposes authorized in this section. The fingerprints and any criminal history record information shall not be subject to subpoena, other than one issued in a criminal action or investigation, and shall be confidential. (f) The commissioner, by regulation, may provide for the delayed enforcement of this section for up to 24 months April 8, 2014, to allow for implementation. (Act 2011-637, p. 1544, §1; Act 2014-296, p. 1072, §1.)
AL Code § 27-9A-18 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 9A - Independent Adjusters.|Section 27-9A-18 - Rules.

Section 27-9A-18Rules.  (a) The commissioner may promulgate reasonable rules as are necessary or proper to carry out the purposes of this chapter in accordance with Chapter 2 of this title. (b) The commissioner, by regulation, may provide for delayed enforcement dates of up to 24 months following the effective date of this chapter to allow for implementation of the provisions of this chapter relating to apprentice independent adjuster licensing, fingerprinting, the prelicensing course and examination, and continuing education. (Act 2011-637, §1.)
AL Code § 27-11-1 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 11 - Mail Order Insurance.|Section 27-11-1 - Purpose of Chapter; Short Title.

Section 27-11-1Purpose of chapter; short title. The Legislature declares its concern that insurers not licensed to transact the business of insurance in this state are soliciting the sale of insurance and selling insurance to residents of this state, thus presenting the commissioner with the problem of resorting to courts of foreign jurisdictions for the purposes of enforcing the insurance laws of this state for the protection of its residents. It is the purpose of this unauthorized insurers law to make it unlawful for insurers that are not licensed to transact the business of insurance in this state and to subject said insurers to the jurisdiction of the courts of this state in actions or proceedings brought by the commissioner in transactions involving unauthorized insurers or for the protection of insureds and claimants residing in this state and for the protection of the public. This chapter constitutes and may be referred to as the "Unauthorized Insurers Law." (Acts 1971, No. 407, p. 707, §220.)
AL Code § 27-11-2 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 11 - Mail Order Insurance.|Section 27-11-2 - Prohibition Against Transaction of Insurance Business, etc., in State Without License; Exceptions.

Section 27-11-2Prohibition against transaction of insurance business, etc., in state without license; exceptions. It shall be unlawful for any insurer to transact the business of insurance in this state or to enter into a contract for insurance in this state without first obtaining a license or certificate of authority from the commissioner. This unauthorized insurers law shall not apply to: (1) Contracts of insurance procured pursuant to the surplus line insurance law; (2) Transactions in this state involving contracts of insurance lawfully entered into, written and the policy delivered outside of this state covering subjects of insurance not resident, located or expressly to be performed in this state at the time of issuance and transactions subsequent to the making of such contract and the issuance of such policy; (3) Reinsurance contracts; (4) Transactions in this state involving group or blanket insurance and group annuities where the master policy or contract was lawfully issued and delivered in a state in which the insurer was authorized to transact business; (5) Transportation insurance; (6) Insurance on property or operation of railroads engaged in interstate commerce; (7) Insurance of aircraft owned or operated by manufacturers of aircraft or aircraft operated in scheduled interstate flight or cargo of such aircraft or against liability, other than workmen's compensation and the employer's liability, arising out of the ownership, maintenance, or use of such aircraft; (8) The property and operations of shipbuilding and ship repair industry engaged in interstate or foreign commerce and vessels, cargoes, watercraft, piers, wharves, graving docks, dry docks, marine railways and building ways, commonly known as wet marine; (9) Transactions in this state involving a policy or contract of insurance issued prior to 60 days after the effective date of this title; or (10) Contracts of insurance issued to an industrial insured, defined as an insured: a. Which procures the insurance of any risk by use or services of a full-time employee acting as an insurance manager or buyer or the services of a regularly and continuously retained, qualified insurance consultant; b. Whose aggregate annual premiums for insurance on all risks other than workmen's compensation and group insurance, total at least $25,000.00; and c. Which has at least 25 employees. (Acts 1971, No. 407, p. 707, §221.)
AL Code § 27-11-3 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 11 - Mail Order Insurance.|Section 27-11-3 - Occurrences and Acts Deemed to Constitute Transacting of Insurance Business in State.

Section 27-11-3Occurrences and acts deemed to constitute transacting of insurance business in state. Any of the following occurrences or acts in this state, whether effected by mail or otherwise, by an insurer not licensed to do business in this state shall be included among those occurrences and acts deemed to constitute the transacting of the business of insurance in this state: (1) The issuance or delivery of contracts or policies of insurance covering subjects resident, located, or expressly to be performed in this state; (2) The solicitation of applications for such insurance; (3) The collection of premiums, membership fees, assessments, or other considerations for such insurance; or (4) The transacting of matters subsequent to the execution of such contracts and arising out of them or concerning them. (Acts 1971, No. 407, p. 707, §222.)
AL Code § 27-11-4 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 11 - Mail Order Insurance.|Section 27-11-4 - Actions and Proceedings Against Violating or Noncomplying Insurers.

Section 27-11-4Actions and proceedings against violating or noncomplying insurers. Whenever the commissioner believes, from evidence satisfactory to him, that any insurer is violating or not complying with the provisions of this unauthorized insurers law, the commissioner may, and is hereby empowered to, bring an action or proceeding against such insurer in the Circuit Court of Montgomery County, Alabama, to enjoin or restrain such violation or continuing noncompliance or the engaging therein or doing of any act in furtherance of such violation. The Circuit Court of Montgomery County, Alabama, shall have jurisdiction of the proceedings and shall have the power and authority to make and enter such order or judgment as to such court shall be deemed proper. (Acts 1971, No. 407, p. 707, §223.)
AL Code § 27-11-6 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 11 - Mail Order Insurance.|Section 27-11-6 - Validity of Acts or Contracts of Unauthorized Insurer; Actions Against or by Same.

Section 27-11-6Validity of acts or contracts of unauthorized insurer; actions against or by same. The failure of an insurer to obtain a license or certificate of authority shall not impair the validity of any act or contract of such insurer and shall not prevent such insurer, its assigns or successors in interest, from defending any action in any court of this state; but no insurer transacting insurance business in this state without a license or certificate of authority shall be permitted to maintain an action in any court of this state to enforce any right, claim, or demand arising out of the transaction of such business until such company, its assigns or successors in interest shall have: (1) Obtained a license or certificate of authority; or (2) Deposited with the clerk of the court in which such action or proceeding is pending cash or securities or file with such clerk a bond with good and sufficient sureties, to be approved by the court, in an amount to be fixed by the court sufficient to secure the payment of any final judgment which may be entered in such action; provided, that the court may, in its discretion and after reasonable notice to the opposing parties and upon a hearing, make an order dispensing with such deposit or bond where the insurer makes a showing satisfactory to such court that it maintains in a state of the United States funds or securities, in trust or otherwise, sufficient and available to satisfy any final judgment which may be entered in such action or proceeding. No action shall be maintained, except upon the conditions provided in this section, in any court of this state by any successor or assignee or assumptor of such unauthorized insurer which has acquired all or substantially all of the assets of such unauthorized insurer. (Acts 1971, No. 407, p. 707, §225.)
AL Code § 27-11-7 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 11 - Mail Order Insurance.|Section 27-11-7 - Penalty for Violation of Chapter.

Section 27-11-7Penalty for violation of chapter. Any insurer which willfully violates the provisions of the unauthorized insurers law shall, upon proof thereof, forfeit and pay to the State of Alabama a sum of not less than $50.00 and not more than $500.00 for each offense, which may be recovered in a civil action brought by the commissioner under the provision of this unauthorized insurers law. (Acts 1971, No. 407, p. 707, §226.)
AL Code § 27-12-1 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 12 - Trade Practices Law.|Section 27-12-1 - Purpose of Chapter; Short Title.

Section 27-12-1Purpose of chapter; short title. (a) The purpose of this chapter is to regulate trade practices in the business of insurance in accordance with the intent of congress as expressed in the Insurance Regulation Act by defining, or providing for the determination of, all such practices in this state which constitute unfair methods of competition or unfair or deceptive acts or practices and by prohibiting the trade practices so defined or determined. (b) This chapter shall constitute, and may be referred to, as the "Trade Practices Law." (Acts 1957, No. 608, p. 865, §1; Acts 1971, No. 407, p. 707, §227.)
AL Code § 27-12-2 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 12 - Trade Practices Law.|Section 27-12-2 - General Prohibition Against Unfair Competition, Etc.

Section 27-12-2General prohibition against unfair competition, etc. No person shall engage in this state in any trade practice which is defined in this chapter as, or determined pursuant to this chapter to be, an unfair method of competition or an unfair or deceptive act or practice in the business of insurance. (Acts 1957, No. 608, p. 865, §3; Acts 1971, No. 407, p. 707, §228.)
AL Code § 27-12-6 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 12 - Trade Practices Law.|Section 27-12-6 - "twisting."

Section 27-12-6"Twisting." No person shall make or issue, or cause to be made or issued, any written or oral statement misrepresenting or making misleading incomplete comparisons as to the terms, conditions, or benefits contained in any policy for the purpose of inducing, or attempting or tending to induce, the policyholder to lapse, forfeit, surrender, retain, exchange, or convert any insurance policy. (Acts 1971, No. 407, p. 707, §232.)