reglab/housing_qa huggingface dataset:
OR Rev Stat § 742.590 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 742 - Insurance Policies Generally; Property and Casualty Policies|Section 742.590 - Personal vehicle sharing program requirements.

For each vehicle that the program facilitates the use of, a personal vehicle sharing program shall: (1) Provide a program insurance policy with coverage for the vehicle, the designated operator of the vehicle and all persons who, with the consent of the named insured, use the motor vehicle insured under the policy. The limits for any coverage included in the program insurance policy that is also included in the owner’s insurance policy must be equal to or greater than the coverage limits provided in the owner’s insurance policy, as reported to the program by the owner. However, the program may not provide liability coverage that is less than three times the limits specified in ORS 806.070. (2) Provide the vehicle’s registered owner with a proof of compliance with the insurance requirements of this section and the financial or future responsibility requirements of ORS chapter 806, a copy of which must be maintained in the vehicle by the vehicle’s registered owner at all times when the vehicle is operated by any person other than the vehicle’s registered owner pursuant to the program. (3) Collect, maintain and make available to the vehicle’s registered owner, the vehicle’s registered owner’s primary motor vehicle liability insurer and any government agency as required by law, at the cost of the program: (a) Verifiable electronic records that identify the date and time, initial and final locations of the vehicle and miles driven when the vehicle is under the control of a person other than the vehicle’s registered owner pursuant to the program; and (b) Any information concerning damages or injuries arising out of personal vehicle sharing pursuant to the program. (4) Not knowingly permit the vehicle to be operated as a commercial vehicle by a personal vehicle sharing user while engaged in personal vehicle sharing. For the purposes of this subsection, "commercial vehicle" has the meaning given that term in ORS 826.001. (5) Ensure that the vehicle is a private passenger motor vehicle. (6) Facilitate the installation, operation and maintenance of signage and computer hardware and software necessary for the vehicle to be used in the program. (7) Indemnify the vehicle’s registered owner for the cost of damage or theft of equipment installed under subsection (6) of this section and any damage caused to the vehicle by the installation, operation or maintenance of the equipment. (8) Provide the vehicle’s registered owner and any person operating the vehicle pursuant to the program with a disclosure that contains information explaining the requirements of this section. [2011 c.457 §3] Note: See note under 742.585.
OR Rev Stat § 742.600 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 742 - Insurance Policies Generally; Property and Casualty Policies|Section 742.600 - Limitation on insurance policy reclassification for personal vehicle sharing program vehicle.

A private passenger motor vehicle insured by the vehicle’s registered owner under an owner’s insurance policy may not be classified as a commercial motor vehicle, for-hire motor vehicle, permissive use motor vehicle or livery solely because the vehicle’s registered owner allows the vehicle to be used for personal vehicle sharing if: (1) The personal vehicle sharing is conducted under a personal vehicle sharing program. (2) The annual revenue received by the vehicle’s registered owner that was generated by the personal vehicle sharing does not exceed the annual expenses of owning and operating the vehicle, including depreciation, interest, lease payments, motor vehicle loan payments, insurance, maintenance, parking, fuel, cleaning, automobile repair and costs associated with personal vehicle sharing, including but not limited to the installation, operation and maintenance of computer hardware and software, signage identifying the vehicle as a personal vehicle sharing vehicle and any fees charged by a personal vehicle sharing program. [2011 c.457 §5] Note: See note under 742.585.
OR Rev Stat § 742.690 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 742 - Insurance Policies Generally; Property and Casualty Policies|Section 742.690 - Limitations on cancellation; refusal to issue or renew insurance.

(1) An insurer offering casualty insurance or commercial liability insurance may not cancel or refuse to issue or renew a policy solely on the basis that the policyholder holds a public office. (2) An insurer offering casualty insurance or commercial liability insurance may not include a provision in the insurance contract limiting coverage under the contract solely on the basis that the policyholder holds a public office. [1997 c.778 §2]
OR Rev Stat § 742.700 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 742 - Insurance Policies Generally; Property and Casualty Policies|Section 742.700 - Definitions for ORS 742.700 to 742.710.

As used in ORS 742.700 to 742.710: (1) "Cancellation" means termination of a policy at a date other than its expiration date. (2) "Expiration date" means the date upon which coverage under a policy ends. For a policy written for a term longer than one year or with no fixed expiration date, "expiration date" means the annual anniversary date of the policy. (3) "Nonpayment of premium" means the failure or inability of the named insured to discharge any obligation in connection with the payment of premium on a policy of insurance subject to ORS 742.700 to 742.710, whether the payments are payable directly to the insurer or an insurance producer who is its agent or indirectly payable under a premium finance plan or extension of credit. (4) "Nonrenewal" means the refusal of an insurer to renew a policy at its expiration date. (5) "Renewal" or "renew" means the issuance of, or the offer to issue by an insurer, a policy succeeding a policy previously issued and delivered by the same insurer or the issuance of a certificate or notice extending the terms of an existing policy for a specified period beyond its expiration date. [Formerly 743.940; 2003 c.364 §104]
OR Rev Stat § 742.702 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 742 - Insurance Policies Generally; Property and Casualty Policies|Section 742.702 - Grounds for cancellation; notice.

(1) Except as provided in ORS 742.710, a contract of commercial liability insurance may not be canceled by an insurer before the expiration of the policy, except on one or more of the following grounds: (a) Nonpayment of premium. (b) Fraud or material misrepresentation made by or with the knowledge of the named insured in obtaining the policy, continuing the policy or in presenting a claim under the policy. (c) Substantial increase in the risk of loss after insurance coverage has been issued or renewed, including but not limited to an increase in exposure due to rules, legislation or court decision. (d) Failure to comply with reasonable loss control recommendations. (e) Substantial breach of contractual duties, conditions or warranties. (f) Determination by the Director of the Department of Consumer and Business Services that the continuation of a line of insurance or class of business to which the policy belongs will jeopardize a company’s solvency or will place the insurer in violation of the insurance laws of Oregon or any other state. (g) Loss or decrease in reinsurance covering the risk. (h) Any other reason approved by the director by rule. (2) Cancellation of a commercial liability policy shall not be effective until at least 10 working days after the insured receives a written notice of cancellation. The notice shall state the effective date of and the reason for cancellation and shall inform the insured of the hearing rights established by ORS 742.704. (3) This section does not apply to policies canceled because of action by an insurer under ORS 731.482. [Formerly 743.942]
OR Rev Stat § 742.704 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 742 - Insurance Policies Generally; Property and Casualty Policies|Section 742.704 - Hearing.

Within 30 days after receiving a notice of cancellation under ORS 742.702, an insured may request a hearing before the Director of the Department of Consumer and Business Services. The purpose of this hearing shall be limited to establishing the existence of the proof or evidence given by the insurer in its notice of cancellation. The burden of proving the reason for cancellation shall be upon the insurer. [Formerly 743.944]
OR Rev Stat § 742.706 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 742 - Insurance Policies Generally; Property and Casualty Policies|Section 742.706 - Renewal; nonrenewal.

(1) If an insurer offers or purports to renew a commercial liability policy, but on terms less favorable to the insured or at higher rates, the new terms or rates may take effect on the renewal date, if the insurer provides the insured, and the insurance producer if any, 45 days’ written notice. If the insurer does not provide such notice, the insured may cancel the renewal policy within 45 days after receipt of the notice or delivery of the renewal policy. Earned premium for the period of time the renewal policy was in force shall be calculated pro rata at the lower of the current or previous year’s rate. If the insured accepts the renewal, any premium increase or changes in terms shall be effective immediately following the prior policy’s expiration date. (2) Nonrenewal of a commercial liability policy shall not be effective until at least 45 days after the insured receives a written notice of nonrenewal. If, after an insurer provides a notice of nonrenewal as described in this subsection, the insurer extends the policy 90 days or less, an additional notice of nonrenewal is not required with respect to the extension. (3) Subsection (1) of this section does not apply: (a) If the change is a rate, form or plan filed with the Director of the Department of Consumer and Business Services and applicable to the entire line of insurance or class of business to which the policy belongs; or (b) To a premium increase based on the altered nature or extent of the risk insured against. (4) If a commercial liability policy is issued for a term longer than one year, and for additional consideration a premium is guaranteed, the insurer may not refuse to renew the policy or increase the premium for the term of that policy. [Formerly 743.946; 2003 c.364 §105; 2005 c.102 §1]
OR Rev Stat § 742.708 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 742 - Insurance Policies Generally; Property and Casualty Policies|Section 742.708 - Proof of receipt of notice.

A post office certificate of mailing to the named insured at the named insured’s last-known address shall constitute conclusive proof that the named insured received the notice of cancellation or nonrenewal on the third calendar day after the date of the certificate of mailing. [Formerly 743.948]
OR Rev Stat § 742.710 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 742 - Insurance Policies Generally; Property and Casualty Policies|Section 742.710 - Exemptions from provisions of ORS 742.700 to 742.708.

(1) ORS 742.700 to 742.708 do not apply to: (a) Any commercial liability insurance policy that has not been previously renewed if the policy has been in effect less than 60 days at the time notice of cancellation is mailed or otherwise delivered. (b) Any policy subject to the provisions of ORS 742.560 to 742.572. (c) Workers’ compensation insurance. (d) Any assigned risk program. (e) Any excess liability insurance policy, including any commercial umbrella policy and any excess umbrella policy. (2) The Director of the Department of Consumer and Business Services may suspend, in whole or in part, the applicability of ORS 742.700 to 742.708 to any insurer if, in the director’s discretion, its application will endanger the ability of the insurer to fulfill its contractual obligations. [Formerly 743.950; 2005 c.185 §15]
OR Rev Stat § 743.003 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 743 - Health and Life Insurance|Section 743.003

[1967 c.359 §335; renumbered 742.001 in 1989]
OR Rev Stat § 743.004 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 743 - Health and Life Insurance|Section 743.004 - Submission of information by carriers offering health benefit plans.

(1) Each carrier offering a health benefit plan shall submit to the Director of the Department of Consumer and Business Services on or before April 1 of each year a report that contains: (a) The following information for the preceding year that is derived from the exhibit of premiums, enrollment and utilization included in the carrier’s annual report: (A) The total number of members; (B) The total amount of premiums; (C) The total amount of costs for claims; (D) The medical loss ratio; (E) The average amount of premiums per member per month; and (F) The percentage change in the average premium per member per month, measured from the previous year. (b) The following aggregate financial information for the preceding year that is derived from the carrier’s annual report: (A) The total amount of general administrative expenses, including identification of the five largest nonmedical administrative expenses; (B) The total amount of the surplus maintained; (C) The total amount of the reserves maintained for unpaid claims; (D) The total net underwriting gain or loss; and (E) The carrier’s net income after taxes. (2) A carrier shall electronically submit the information described in subsection (1) of this section in a format and according to instructions prescribed by the Department of Consumer and Business Services by rule. (3) The department shall evaluate the reporting requirements under subsection (1)(a) of this section by the following market segments: (a) Individual health benefit plans; (b) Health benefit plans for small employers; (c) Health benefit plans for employers described in ORS 743B.010; and (d) Health benefit plans for employers that are not small employers. (4) The department shall make the information reported under this section available to the public through a searchable public website on the Internet. [Formerly 743.748] Note: Definitions for 743.004 may be found in 743B.005.
OR Rev Stat § 743.005 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 743 - Health and Life Insurance|Section 743.005 - Protection of health information report.

(1) As used in this section: (a) "Covered entity" has the meaning given that term in ORS 192.556 but excludes state agencies. (b) "Protected health information" has the meaning given that term in ORS 192.556. (2) A covered entity that is required to file an annual financial statement under ORS 731.574 shall file with the Department of Consumer and Business Services, along with the financial statement, a protection of health information report. The report may be in the form of a letter, must be signed by the chief executive officer of the covered entity and must: (a) State the responsibility of the covered entity’s management to establish and maintain adequate safeguards and procedures for protecting the confidentiality of personally identifiable and protected health information that the covered entity retains in electronic and hard copy form; (b) Contain assurances that the signing officer has disclosed to the governing board of the covered entity: (A) All significant deficiencies in the design or operation of recordkeeping systems or controls that could adversely affect the covered entity’s ability to protect the confidentiality of personally identifiable and protected health information; (B) Any breaches of the security of personally identifiable and protected health information, whether material or not, that involve management or other employees who have a significant role in the covered entity’s recordkeeping systems or controls; and (C) All necessary steps that have been taken to address deficiencies in the design or operation of recordkeeping systems or controls and to resolve any material weaknesses identified to or by the covered entity’s auditors; and (c) Contain assurances that the signing officer has identified for the governing board of the covered entity any material weaknesses in the recordkeeping systems or controls. (3) The protection of health information report is confidential and not subject to disclosure under ORS 192.311 to 192.478. [2015 c.133 §2] Note: 743.005 was added to and made a part of the Insurance Code by legislative action but was not added to ORS chapter 743 or any series therein. See Preface to Oregon Revised Statutes for further explanation.
OR Rev Stat § 743.006 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 743 - Health and Life Insurance|Section 743.006

[Formerly 736.300; renumbered 742.003 in 1989]
OR Rev Stat § 743.007 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 743 - Health and Life Insurance|Section 743.007 - Data reporting.

(1) A carrier offering a health benefit plan, an insurer offering insurance against the risk of economic loss assumed under a less than fully insured employee health plan described in ORS 742.065 and a third party administrator licensed under ORS 744.702 shall annually submit to the Department of Consumer and Business Services, in a form and manner prescribed by the department, data concerning the number of covered lives of the carrier, insurer or third party administrator, reported by line of business and by zip code. (2) The department shall aggregate the data collected under subsection (1) of this section and may publish reports on the number of covered lives in Oregon, by line of business and by region. [Formerly 743.818] Note: 743.007 was added to and made a part of the Insurance Code by legislative action but was not added to ORS chapter 743 or any series therein. See Preface to Oregon Revised Statutes for further explanation.
OR Rev Stat § 743.008 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 743 - Health and Life Insurance|Section 743.008 - Reporting requirements; rules.

The Department of Consumer and Business Services shall develop by rule reporting requirements as necessary for the consistent and efficient implementation of ORS 743B.200, 743B.202, 743B.250 and 743B.423. In order to minimize duplicative reporting requirements, the department shall accept copies of reports prepared for national accreditation organizations as sufficient to meet the reporting requirements developed pursuant to this section to the extent that the reports include the information required by the department pursuant to this section. [Formerly 743.819] Note: Definitions for 743.008 may be found in 743B.001.
OR Rev Stat § 743.009 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 743 - Health and Life Insurance|Section 743.009

[1967 c.359 §337; 1969 c.336 §11; 1973 c.608 §1; renumbered 742.005 in 1989] Note: Sections 42 and 43, chapter 12, Oregon Laws 2020 (first special session), provide: Sec. 42. Section 43 of this 2020 special session Act is added to and made a part of the Insurance Code. [2020 s.s.1 c.12 §42] Sec. 43. An insurer transacting insurance in this state may not consider any information collected and reported under section 40 of this 2020 special session Act to: (1) Deny, limit, cancel, rescind or refuse to renew a policy of insurance; (2) Establish premium rates for a policy of insurance; or (3) Establish the terms and conditions of a policy of insurance. [2020 s.s.1 c.12 §43] Note: Section 6, chapter 549, Oregon Laws 2021, provides: Sec. 6. Sections 40, 41 and 43, chapter 12, Oregon Laws 2020 (first special session), are repealed on January 1, 2023. [2021 c.549 §6]
OR Rev Stat § 743.012 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 743 - Health and Life Insurance|Section 743.012

[1967 c.359 §338; 1989 c.700 §13; renumbered 742.007 in 1989]
OR Rev Stat § 743.013 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 743 - Health and Life Insurance|Section 743.013

[1989 c.474 §2; 2003 c.364 §106; renumbered 743B.300 in 2015]
OR Rev Stat § 743.015 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 743 - Health and Life Insurance|Section 743.015 - Filing and approval of credit life and credit health insurance forms; filing of rates.

(1) All credit life and credit health insurance policies subject to ORS 743.371 to 743.380, and all certificates of insurance, notices of proposed insurance, applications for insurance, indorsements and riders used in connection with such kinds of policies, delivered or issued for delivery in this state and the schedules of premium rates pertaining thereto shall be filed with the Director of the Department of Consumer and Business Services. Such forms are subject to approval, disapproval or withdrawal of approval by the director as provided in ORS 742.003, 742.005 and 742.007. (2) An insurer may revise the schedules of premium rates from time to time and shall file the revised schedules with the director. An insurer may not issue any credit life or credit health insurance policy for which the premium rate exceeds that determined by the schedules of the insurer as then on file with the director. (3) If a group policy of credit life or credit health insurance has been or is delivered in another state, the insurer shall file only the group certificate, the individual application and the notice of proposed insurance delivered or issued for delivery in this state as specified in ORS 743.377 (2) and (4). The director shall approve the group certificate, the individual application and the notice of proposed insurance if the forms conform with the requirements specified in ORS 743.377 (2) and (4) and the schedules of premium rates applicable to the insurance evidenced by the certificate or notice are not in excess of the insurer’s schedules of premium rates filed with the director. [Formerly 739.595; 1969 c.336 §12; 1971 c.231 §20; 2005 c.185 §3]
OR Rev Stat § 743.020 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 743 - Health and Life Insurance|Section 743.020 - Rate filing to include statement of administrative expenses; rules.

An insurer licensed by the Department of Consumer and Business Services shall include in any rate filing under ORS 743.018 with respect to individual and small employer health benefit plans, as defined in ORS 743B.005, a statement of administrative expenses in the form and manner prescribed by the department by rule. The statement must include, but is not limited to: (1) A statement of administrative expenses on a per member per month basis; and (2) An explanation of the basis for any proposed premium rate increases or decreases. [2009 c.595 §29; 2019 c.441 §3]
OR Rev Stat § 743.021 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 743 - Health and Life Insurance|Section 743.021

[1967 c.359 §341; 1971 c.231 §21; 1973 c.525 §1; renumbered 742.009 in 1989]