reglab/housing_qa huggingface dataset:
MD. Insurance Code Ann. §  20-510 (2021)
2021 Maryland Statutes|Insurance|Title 20 - Maryland Automobile Insurance Fund|Subtitle 5 - Policies for Covered Vehicles|Section 20-510 - Fiduciary Duties of Producer

    (a)    Each fund producer is a fiduciary as to all premiums, return premiums, or other money that the fund producer receives from any person in connection with a policy or policy application issued by, to be issued by, or bound in the Fund.    (b)    Each fund producer shall deposit as trust money into an account for premiums all money received under subsection (a) of this section to be accounted for and paid over to the Fund as the law requires.
MD. Insurance Code Ann. §  20-511 (2021)
2021 Maryland Statutes|Insurance|Title 20 - Maryland Automobile Insurance Fund|Subtitle 5 - Policies for Covered Vehicles|Section 20-511 - Surety Bond

    (a)    (1)    On application to the Fund for appointment as a fund producer, an applicant shall file with the Fund a bond for the benefit of the Fund for the balance of the current year.        (2)    On or before December 31 of each year, each fund producer shall file with the Fund a bond for the benefit of the Fund for the next succeeding year.    (b)    A bond required under this section shall be:        (1)    in the amount of $10,000;        (2)    executed by an authorized surety insurer; and        (3)    conditioned that the fund producer will account for and pay over to the person entitled to it all money belonging to the person that comes into the fund producer’s possession in accordance with this subtitle and the regulations that relate to the binding of coverage.    (c)    (1)    A fund producer is considered to have complied with this section if an Association member certifies to the Fund that:            (i)    the Association member has a bond in effect that covers the fund producer and complies with the requirements of this section; and            (ii)    the bond coverage extends to the Fund when persons apply to the Fund for coverage through the fund producer.        (2)    The certification shall be made by an authorized representative of the Association member.        (3)    A copy of the certification shall be mailed promptly to the Fund.    (d)    A fund producer’s authority to bind coverage in the Fund may be terminated on 10 days’ written notice if the bond is not:        (1)    filed with the Fund in a timely manner; or        (2)    continuously maintained in effect while the fund producer has authority to bind coverage in the Fund.
MD. Insurance Code Ann. §  20-512 (2021)
2021 Maryland Statutes|Insurance|Title 20 - Maryland Automobile Insurance Fund|Subtitle 5 - Policies for Covered Vehicles|Section 20-512 - Payment of Commission to Producer

    (a)    Except as provided in subsection (b) of this section, the Fund shall pay to a fund producer of a policyholder to whom a policy is issued a commission:        (1)    for private passenger auto insurance issued by the Fund, at a rate determined by the Fund but not less than 10% and not to exceed 15% of the total premium; and        (2)    for any other insurance issued by the Fund, at a rate determined by the Fund but not to exceed 10% of the total premium.    (b)    The Fund may not pay a commission:        (1)    on a fully earned basis;        (2)    if a prospective insured fails to qualify under § 20–502 of this subtitle; or        (3)    if a prospective insured’s initial payment to the Fund, a fund producer, or premium finance company is not honored.    (c)    If a policy issued by the Fund is canceled, the Fund shall refund any unearned commissions.
MD. Insurance Code Ann. §  20-513 (2021)
2021 Maryland Statutes|Insurance|Title 20 - Maryland Automobile Insurance Fund|Subtitle 5 - Policies for Covered Vehicles|Section 20-513 - Actions Against Producers -- in General

    The Fund may refuse to accept further applications from a fund producer or may terminate the authority of the fund producer to bind coverage or both if:        (1)    the Fund finds that the fund producer has engaged in the practice of binding coverage in the Fund in violation of policies adopted by the Board of Trustees; or        (2)    after demand has been made by the Fund, the fund producer fails to pay money owed the Fund as a result of:            (i)    the binding or change of coverage; or            (ii)    a commission paid to the fund producer on a policy that is canceled after the effective date of coverage.
MD. Insurance Code Ann. §  20-514 (2021)
2021 Maryland Statutes|Insurance|Title 20 - Maryland Automobile Insurance Fund|Subtitle 5 - Policies for Covered Vehicles|Section 20-514 - Actions Against Producers -- Notice and Hearing

    (a)    Except as provided in subsection (b) of this section, the Fund shall give prior written notice to a fund producer of its intended action under § 20–513 of this subtitle and give the fund producer an opportunity for a hearing before taking the action.    (b)    (1)    The Fund may exercise immediately any option under § 20–513 of this subtitle if the Fund determines that there is a likelihood of substantial and immediate harm to the Fund, its policyholders, or others because of:            (i)    a violation of a policy adopted by the Board of Trustees that relates to the binding of coverage; or            (ii)    a failure to pay money owed.        (2)    After taking an action under § 20–513 of this subtitle, the Fund promptly shall give notice to the fund producer and hold a hearing within 10 working days before a member of the Board of Trustees.    (c)    The Board of Trustees shall adopt policies to provide procedures for notice and hearings under this section.
MD. Insurance Code Ann. §  20-515 (2021)
2021 Maryland Statutes|Insurance|Title 20 - Maryland Automobile Insurance Fund|Subtitle 5 - Policies for Covered Vehicles|Section 20-515 - Recovery of Money Owed to Fund

    (a)    The Fund may use the Maryland Tax Refund Intercept Program to recover money owed to the Fund by a fund producer if the Fund makes a demand for the money and the fund producer does not make payment.    (b)    (1)    If the Fund makes payment to a claimant, the Fund is subrogated to the rights of the claimant against a responsible party and is entitled to recover all money that the Fund paid out and actual collection costs, including reasonable attorney’s fees.        (2)    The Fund may recover from its insureds all past-due premiums and from the responsible party all money that the Fund paid out under this subtitle in any manner provided by law, including the Maryland Tax Refund Intercept Program.
MD. Insurance Code Ann. §  20-516 (2021)
2021 Maryland Statutes|Insurance|Title 20 - Maryland Automobile Insurance Fund|Subtitle 5 - Policies for Covered Vehicles|Section 20-516 - Grounds for Rejection or Cancellation of Insurance

    (a)    Subject to § 20-517 of this subtitle, the Fund:        (1)    may reject an application of insurance if the applicant owes to the Fund an unpaid premium on an expired or canceled policy;        (2)    at any time may cancel a policy for nonpayment of premiums; or        (3)    may reject an application of insurance or at any time may cancel a policy if it is found that the driver’s license of the applicant or policyholder is:            (i)    suspended, unless the suspension is for a first offense under § 16-205.1 of the Transportation Article for driving with an alcohol concentration of 0.08 or more; or            (ii)    revoked.    (b)    The Fund shall notify the applicant or policyholder promptly after the Fund rejects an application or cancels a policy.    (c)    If a person does not have a valid license or other privilege to drive a covered vehicle in the State, or is otherwise ineligible to be insured by the Fund, the Fund may issue the appropriate policy with an excluded driver endorsement under § 27-609 of this article.    (d)    (1)    The Fund may cancel a policy if:            (i)    the temporary registration issued for the covered vehicle under § 13-405 or § 23-107(b) of the Transportation Article has expired; and            (ii)    the covered vehicle is not otherwise validly registered in the State.        (2)    The cancellation may not take effect until the day after the temporary registration of the covered vehicle expires.
MD. Insurance Code Ann. §  20-517 (2021)
2021 Maryland Statutes|Insurance|Title 20 - Maryland Automobile Insurance Fund|Subtitle 5 - Policies for Covered Vehicles|Section 20-517 - Appeal of Rejection or Cancellation of Insurance

    (a)    An applicant whose application for insurance has been rejected or a policyholder whose policy has been canceled for a reason other than nonpayment of premiums may appeal the decision to a special board within 10 days after receipt of notice of the rejection or cancellation.    (b)    (1)    The special board consists of two members of the Board of Trustees and the Commissioner or designee of the Commissioner.        (2)    The Executive Director may not sit on the special board.    (c)    (1)    The special board:            (i)    may affirm, reverse, or modify the decision on the record; or            (ii)    on at least 10 days’ written notice to the applicant, may hold a hearing and then affirm, reverse, or modify the decision.        (2)    The current policy of a policyholder who appeals the decision to the special board remains in effect until the special board decides the appeal.    (d)    The Fund shall notify the Motor Vehicle Administration immediately after:        (1)    the Fund cancels a policy or terminates coverage of an insured; or        (2)    the Fund rejects an application for insurance and the action is final because:            (i)    the rejection was not appealed to the special board; or            (ii)    the special board does not reverse or modify the decision to cancel as to require issuance of a policy.
MD. Insurance Code Ann. §  20-518 (2021)
2021 Maryland Statutes|Insurance|Title 20 - Maryland Automobile Insurance Fund|Subtitle 5 - Policies for Covered Vehicles|Section 20-518 - Effect of Driving Record on Insurability

    (a)    (1)    The Executive Director shall refer the status of an insured’s driver’s license to the Motor Vehicle Administration for a determination whenever the Executive Director finds that the insured, in the last 12-month period, had three or more chargeable accidents under the rules and rate schedules of the Fund filed with the Commissioner involving third-party liability, regardless of the number of points assessed for those accidents.        (2)    The Executive Director may refer any other matter about an insured’s driving record to the Motor Vehicle Administration for a determination.    (b)    If, after a hearing, the Motor Vehicle Administration suspends or revokes the insured’s driver’s license, the Executive Director shall cancel or refuse to continue the coverage after having given the notice required under § 27-602 of this article.    (c)    If the Motor Vehicle Administration does not suspend or revoke the insured’s driver’s license under subsection (b) of this section, the Executive Director may not cancel or refuse to continue the coverage of the insured.
MD. Insurance Code Ann. §  20-519 (2021)
2021 Maryland Statutes|Insurance|Title 20 - Maryland Automobile Insurance Fund|Subtitle 5 - Policies for Covered Vehicles|Section 20-519 - Continuation of Coverage of Family Members on Exclusion of Policyholder

    If a policy covers a spouse or other household member of the family of the policyholder:         (1)    cancellation of the policy of an insured whose driver’s license is suspended or revoked does not result in the cancellation of the coverage of the spouse or other family member whose driver’s license is not suspended or revoked; and        (2)    the Fund shall reclassify the rate of risk of the spouse or other family member for the purpose of setting the premium.
MD. Insurance Code Ann. §  20-520 (2021)
2021 Maryland Statutes|Insurance|Title 20 - Maryland Automobile Insurance Fund|Subtitle 5 - Policies for Covered Vehicles|Section 20-520 - Refusal to Issue Policy Prohibited

    (a)    Except as provided in subsection (b) of this section, an insurer that issues, sells, or delivers private passenger motor vehicle insurance in the State may not refuse to issue a policy of private passenger motor vehicle insurance to any person who, for the immediately preceding 3 continuous years:        (1)    has been insured by the Fund;        (2)    has not had a moving traffic violation; and        (3)    has not had a chargeable traffic accident.    (b)    Subject to § 27-501 of this article, an insurer may refuse to issue a policy under subsection (a) of this section if the person does not satisfy the insurer’s eligibility or underwriting standards.    (c)    A person who is entitled to insurance under subsection (a) of this section:        (1)    shall be rated by the insurer in the same manner as any other policyholder not previously insured by the Fund having the same risk characteristics; and        (2)    may not be surcharged or rated by the insurer solely because the person was insured by the Fund.    (d)    (1)    At least 60 days before expiration or renewal of a policy of private passenger motor vehicle insurance, the Fund shall provide written notice to each person entitled to insurance under subsection (a) of this section.        (2)    The notice shall:            (i)    inform the person of the person’s right to insurance under subsection (a) of this section;            (ii)    advise the person to contact the fund producer that bound the person’s coverage with the Fund during the most recent coverage period;            (iii)    include a copy of a sample rate guide produced by the Administration; and            (iv)    provide the toll-free telephone number established under § 2-109 of this article.
MD. Insurance Code Ann. §  20-602 (2021)
2021 Maryland Statutes|Insurance|Title 20 - Maryland Automobile Insurance Fund|Subtitle 6 - Unsatisfied Claims|Section 20-602 - Limitation on Amounts Payable From Fund

    (a)    The maximum amount payable from the Fund, exclusive of interest and costs, for claims filed under this subtitle arising from one accident is:        (1)    $30,000 on account of injury to or death of one individual;        (2)    subject to the limit specified in item (1) of this subsection, $60,000 on account of injury to or death of more than one individual; and        (3)    $15,000 for damages to property.    (b)    (1)    The following deductions shall be made from the smaller of the applicable maximum amount under subsection (a) of this section and the amount of the judgment:            (i)    $250 from a judgment or part of a judgment for damages to property; and            (ii)    the total amount that the claimant has received or is likely to receive:                1.    from any source toward payment of the settlement or judgment;                2.    toward payment of a judgment against a person against whom the claimant has a cause of action, arising out of the same accident, for damages for bodily injury or death or damage to property;                3.    under a policy affording indemnity for damage to or destruction of property of the applicant; and                4.    by reason of the accident out of which the claim arises under any workers’ compensation law.        (2)    For the purposes of this subtitle, medical, hospital, funeral, or other benefits paid or payable for the applicant under the Maryland Workers’ Compensation Act shall be considered to be received or receivable by the claimant.    (c)    The Fund may recover any amount paid out of the Fund that exceeds the amount authorized under this subtitle by bringing an action against the person that received the excess payment.    (d)    (1)    Notwithstanding any workers’ compensation law or similar law to the contrary, whenever the amount of a payment by the Fund has been reduced by the amount of benefits paid or to be paid in accordance with a workers’ compensation law or similar law, the employer of an injured person or decedent and the insurer of that employer is not entitled to a lien on payment from the Fund.        (2)    Workers’ compensation benefits may not be reduced because of the reduced payment from the Fund.
MD. Insurance Code Ann. §  20-603 (2021)
2021 Maryland Statutes|Insurance|Title 20 - Maryland Automobile Insurance Fund|Subtitle 6 - Unsatisfied Claims|Section 20-603 - Notice of Claim

    (a)    (1)    Except as provided in paragraph (2) of this subsection, notice of a claim for damages must be filed with the Fund within 180 days after the accident out of which the cause of action arises before a person may apply or sue for payment from the Fund under this subtitle.        (2)    If notice of a claim is not filed within the time required under paragraph (1) of this subsection, a claim or suit may not be filed or maintained unless the claimant provides proof:            (i)    that the claimant was physically incapable of filing notice within the time required and filed notice within 30 days after becoming physically capable of doing so or, if the claimant did not become capable of filing notice, that a notice was filed for the claimant within a reasonable period;            (ii)    that the claimant filed notice within 30 days after having received notice that an insurer had disclaimed on a policy and thus removed or withdrew liability insurance coverage for the claim against a defendant; or            (iii)    that the claimant gave the notice required under paragraph (1) of this subsection within 30 days after receiving notice that the insurer of the defendant was insolvent if:                1.    the insurer of the defendant is not authorized to transact insurance business in the State; and                2.    the claimant is not eligible to make a claim against the Property and Casualty Insurance Guaranty Corporation.    (b)    The notice of a claim shall contain:        (1)    evidence that the claimant:            (i)    has fulfilled all requirements to file a claim; and            (ii)    is not eligible for uninsured motorist coverage benefits from a policy issued to the claimant or a family member who resides in the claimant’s household;        (2)    certification by the claimant’s employer of all lost wages incurred up to the filing of notice of a claim;        (3)    evidence of all medical expenses incurred up to the filing of notice of a claim;        (4)    all reports of medical treatment and consultation for injuries sustained;        (5)    evidence of all other damages claimed up to the filing of the notice of claim;        (6)    all available police or other accident reports; and        (7)    additional information that the Executive Director requires by regulation.    (c)    To the extent practicable, information required in notice of a claim shall be submitted in one filing.
MD. Insurance Code Ann. §  20-604 (2021)
2021 Maryland Statutes|Insurance|Title 20 - Maryland Automobile Insurance Fund|Subtitle 6 - Unsatisfied Claims|Section 20-604 - Resolution of Claims

    (a)    (1)    The Executive Director shall adopt regulations and the Court of Appeals shall adopt rules that set forth procedural requirements for claims and actions against the Fund filed under this subtitle.        (2)    Before the Fund becomes liable under this subtitle, a claimant must comply with each procedural requirement for claims and actions against the Fund.        (3)    On behalf of the Fund, the Executive Director or designee of the Executive Director may stipulate that the procedural requirements have been met and consent to the claimant bringing an action against the Fund.        (4)    A stipulation or consent does not waive any defense that the Fund may have with respect to the case.    (b)    (1)    At any time and without filing a petition for payment or other court approval, the Fund may settle, compromise, and pay claims and actions brought and judgments obtained under this subtitle.        (2)    The Executive Director shall adopt regulations setting forth the procedure for settlement or payment.        (3)    Interest shall accrue from the date of judgment in accordance with § 11-107 of the Courts Article.
MD. Insurance Code Ann. §  20-605 (2021)
2021 Maryland Statutes|Insurance|Title 20 - Maryland Automobile Insurance Fund|Subtitle 6 - Unsatisfied Claims|Section 20-605 - Settlement Offers

    (a)    (1)    After the Fund negotiates with a plaintiff or claimant a settlement offer that the Fund finds reasonable, the Fund shall give notice to the defendant or uninsured party of the offer in accordance with regulations of the Fund.        (2)    If a defendant or uninsured party approves the settlement offer, the plaintiff or claimant shall proceed to settlement in accordance with regulations of the Fund and the Maryland Rules.    (b)    (1)    If a defendant or uninsured party rejects a settlement offer, the Fund shall cause notice to be served on the defendant or uninsured party by any lawful manner, including:            (i)    a sheriff;            (ii)    a private process server; and            (iii)    certified mail bearing a postmark from the United States Postal Service to the last known address of the defendant or uninsured party or the last address on file with the Motor Vehicle Administration of this State or the state where the defendant or uninsured was last known to reside.        (2)    The notice served under this subsection shall state that:            (i)    without further notice, the Fund will withdraw from the claim or action 30 days after the date of the notice;            (ii)    within 30 days after the date of the notice, an appearance may be entered by the defendant or uninsured party or by defense counsel whom the defendant or uninsured party chooses; and            (iii)    if the provisions of item (ii) of this paragraph are not met, at any time after 30 days following the date of the notice and without further notice, suit may be filed or judgment may be entered against the defendant or uninsured party in the amount of the settlement offer.    (c)    After the end of the 30-day period following notice served to a defendant or uninsured party under subsection (b) of this section, the Fund may settle the claim, file suit, or request the court to set the action for an expedited hearing.    (d)    At a hearing authorized under subsection (c) of this section, the court may proceed in a summary manner and, if satisfied that each applicable provision of this title has been met, enter judgment in favor of the plaintiff or Fund in the amount of the settlement offer.    (e)    (1)    The defendant or uninsured party may file an appeal within 10 days after the date of entry of the judgment.        (2)    Absent proof of fraud, mutual mistake, or obvious irregularity, the judgment is not subject to appeal, amendment, or other action of the court after the period for filing an appeal has expired.
MD. Insurance Code Ann. §  20-606 (2021)
2021 Maryland Statutes|Insurance|Title 20 - Maryland Automobile Insurance Fund|Subtitle 6 - Unsatisfied Claims|Section 20-606 - Authority of Fund to Defend Claims; Cooperation of Defendant

    (a)    When a claim subject to this subtitle results in a default judgment that is entered for want of a plea by a defendant other than the Fund, or in a judgment that is entered with the consent of the defendant without the knowledge and approval of the Fund, the Fund shall answer or apply for relief against the judgment and for permission to answer and defend the claim within 30 days after receipt of actual notice of the judgment.    (b)    (1)    The Fund may elect to intervene in or defend a claim subject to this subtitle.        (2)    The Fund is entitled to each defense that would have been or is available to the uninsured owner or driver.    (c)    (1)    A defendant shall cooperate with the Fund in defense of a claim in which the Fund has intervened under this subtitle.        (2)    If the defendant fails to cooperate, the Fund may apply to the court for an order that directs cooperation or proceed as provided under this subtitle.