reglab/housing_qa huggingface dataset:
AL Code § 27-42-19 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 42 - Insurance Guaranty Association.|Section 27-42-19 - Association, Policyholders, Beneficiaries, and Insureds to Have Preferred Creditor Status.

Section 27-42-19Association, policyholders, beneficiaries, and insureds to have preferred creditor status. Upon the issuance of a proper court order placing a domestic insurer in receivership or placing a foreign insurer in ancillary receivership for rehabilitation or liquidation, all policyholders, beneficiaries, and insureds of such insolvent insurer, with respect to claims arising from and within the coverages of and not in excess of the applicable limits of insurance policies and contracts issued by the insolvent insurer, and liability claims against insureds which claims are within the coverage of and not in excess of the applicable limits of insurance policies and insurance contracts issued by the insolvent insurer, and the Alabama Insurance Guaranty Association and any similar organization in another state shall be preferred creditors of said insolvent insurer. (Acts 1980, No. 80-806, p. 1639, §19.)
AL Code § 27-42-20 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 42 - Insurance Guaranty Association.|Section 27-42-20 - Access to Assets of Insolvent Insurer; Application for Court Approval of Plan to Disburse Assets; Notice of Application.

Section 27-42-20Access to assets of insolvent insurer; application for court approval of plan to disburse assets; notice of application. (a) Within 120 days of a final determination of insolvency of an insurance company by a court of competent jurisdiction the receiver shall make application to the said court for approval of a proposal to disburse assets out of such company's marshalled assets, from time to time as such assets become available, to the Alabama Insurance Guaranty Association and to any entity or person performing a similar function in another state. (The Alabama Insurance Guaranty Association and any entity or person performing a similar function in other states shall hereinafter be referred to collectively as the associations.) (b) Such proposal shall at least include provisions for: (1) Reserving amounts for the payment of expenses of administration and claims falling within the priorities established in the Alabama Uniform Insurers Liquidation Act but only with respect to such priorities higher than that of the associations; (2) Disbursement of the assets marshalled to date and subsequent disbursement of assets as they become available; (3) Equitable allocation of disbursements to each of the associations entitled thereto; (4) The securing by the receiver from each of the associations entitled to disbursements pursuant to this section of an agreement to return to the receiver such assets previously disbursed as may be required to pay claims of secured creditors and claims with a higher priority than those of the associations. No bond shall be required of any such association. (c) The receiver's proposal shall provide for disbursements to the associations in amounts at least equal to the payments made or to be made thereby for which such associations could assert claims against the receiver, and shall further provide that if the assets available for disbursement from time to time do not equal or exceed the amount of such payments made or to be made by the associations then disbursements shall be in the amount of available assets. (d) Notice of such application shall be given to the associations in and to the commissioners of insurance of each of the states. Any such notice shall be deemed to have been given when deposited in the United States certified mails, first-class postage prepaid, at least 30 days prior to submission of such application to the said court. Action on the application may be taken by the said court provided the above required notice has been given and provided further that the receiver's proposal complies with subdivisions (1) and (4) of subsection (b) of this section. (Acts 1980, No. 80-806, p. 1639, §20.)
AL Code § 27-43-1 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 43 - Legal Expense Insurance.|Section 27-43-1 - Short Title.

Section 27-43-1Short title. This chapter shall be known and may be cited as the "Legal Expense Insurance Act." (Acts 1981, No. 81-719, p. 1214, §1.)
AL Code § 27-43-2 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 43 - Legal Expense Insurance.|Section 27-43-2 - Purpose of Chapter.

Section 27-43-2Purpose of chapter. The purpose of this chapter is to authorize state certification and regulation of organizations which provide programs for the payment of the costs of legal services. (Acts 1981, No. 81-719, p. 1214, §1.)
AL Code § 27-43-3 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 43 - Legal Expense Insurance.|Section 27-43-3 - Definitions.

Section 27-43-3Definitions. As used in this chapter, the following terms shall have the following meanings, respectively, unless the context requires otherwise: (1) DEPARTMENT. The Department of Insurance; (2) COMMISSIONER. The Commissioner of Insurance of this state; (3) INSURER. Any person authorized to do a casualty insurance business or life, accident and sickness insurance business as an insurer in this state and organizations authorized to transact legal expense insurance under Section 27-43-8; (4) LEGAL EXPENSE INSURANCE. Such term means, irrespective of the definition of insurance in other chapters under this title, the assumption of a contractual obligation to pay for specific legal services or to reimburse for specific legal expenses, in consideration of a specified payment in advance for an interval of time, regardless of whether the payment is made by the beneficiaries individually or by a third person for them, but does not include the provision of or reimbursement for legal services incidental to other insurance coverages. (Acts 1981, No. 81-719, p. 1214, §1; Acts 1984, No. 84-243, p. 374, §1.)
AL Code § 27-43-4 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 43 - Legal Expense Insurance.|Section 27-43-4 - Applicability of Chapter.

Section 27-43-4Applicability of chapter. The insurance laws of this state, including this chapter, do not apply to: (1) Retainer contracts made by attorneys-at-law with individual clients with fees based on estimates of the nature and amount of services to be provided to the specific client and similar contracts made with a group of clients involved in the same or closely related legal matters; (2) Any lawyer referral services authorized by the State Bar of Alabama;  (3) The furnishing of legal assistance by labor unions and other employee organizations to their members in matters relating to employment or occupations; (4) The furnishing of legal assistance to members and/or dependents by churches, cooperatives, educational institutions, credit unions, labor unions, or other organizations of employees, where such organizations contract with and pay directly a lawyer or law firm(s) for the provision of legal services, where the assistance is provided as an incident to membership and not on the basis of an optional fee or charge and the administration of such program of legal assistance is wholly conducted by the organization; and (5) Employee welfare benefit plans to the extent that state laws are superseded by Section 514 of the Employee Retirement Income Security Act of 1974, provided evidence of exemption from state laws is shown to the department. (Acts 1981, No. 81-719, p. 1214, §1.)
AL Code § 27-43-5 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 43 - Legal Expense Insurance.|Section 27-43-5 - Authorization of Prepaid Legal Expense Insurance Business Required.

Section 27-43-5Authorization of prepaid legal expense insurance business required. (a) No person or organization may do a prepaid legal expense insurance business in this state unless authorized to do so by the commissioner. (b) This section does not apply to organizations exempt pursuant to Section 27-43-4. (Acts 1981, No. 81-719, p. 1214, §1.)
AL Code § 27-43-6 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 43 - Legal Expense Insurance.|Section 27-43-6 - Insurers Deemed Eligible to Transact Legal Expense Insurance.

Section 27-43-6Insurers deemed eligible to transact legal expense insurance. (a) Any domestic, foreign, or alien insurer authorized to transact casualty insurance or life, accident and sickness insurance in this state may transact legal expense insurance in this state. (b) Legal service insurance corporations possessing a valid certificate of authority may transact legal expense insurance in this state. (Acts 1981, No. 81-719, p. 1214, §1; Acts 1984, No. 84-243, p. 374, §1.)
AL Code § 27-43-7 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 43 - Legal Expense Insurance.|Section 27-43-7 - Procedure for Incorporation of Legal Services Insurance Corporation Generally.

Section 27-43-7Procedure for incorporation of legal services insurance corporation generally. (a) Any number of corporate or adult natural persons may organize a legal service insurance corporation under this section. (b) The articles of incorporation shall conform to the requirements applicable to corporations, except that: (1) The name of the corporation shall indicate that payment for legal services or indemnity for legal expenses is to be provided; and (2) The purposes of the corporation shall be limited to payment for legal services or indemnity for legal expenses and business expenses reasonably related thereto. (Acts 1981, No. 81-719, p. 1214, §1.)
AL Code § 27-43-10 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 43 - Legal Expense Insurance.|Section 27-43-10 - Types of Legal Expense Insurance; Policy and Certificate Forms; Issuance of Policies and Certificates.

Section 27-43-10Types of legal expense insurance; policy and certificate forms; issuance of policies and certificates. (a) Legal expense insurance may be written as individual, group, blanket, or franchise insurance. Each contractual obligation for legal expense insurance must be evidenced by a policy. Each person insured under a group policy must be issued a certificate of coverage. (b) No policy or certificate of legal expense insurance may be issued in this state unless a copy of the form has been filed and approved by the commissioner. (c) The commissioner may not approve any form that does not meet the following requirements: (1) Policies must contain a list and description of the legal service payments promised or the legal matters for which expenses are to be reimbursed and any limits on the amounts to be paid or reimbursed; (2) Policies and certificates must indicate the name of the insurer and the full address of its principal place of business; (3) Certificates issued under group policies must contain a full statement of the benefits provided and exceptions thereto, but may summarize the other terms of the master policy; (4) Policies promising payment for legal services to be provided by a limited number of attorneys who have concluded provider contracts with the insurer, whether the attorney in an individual case is to be selected by the insured or by the insurer, must provide for alternative benefits in the case where the insured is unable to find a participating attorney willing to perform the promised services or the attorney selected by the insurer is disqualified or otherwise unable to perform the promised services. The alternative benefit may consist of furnishing the services of an attorney selected and paid by the insurer or paying the fee of an attorney selected by the insured. The policy must also provide a procedure that includes impartial review for settling disagreements about the grounds for demanding an alternative benefit; (5) No policy except one issued by a mutual or reciprocal insurance company may provide for assessments on policyholders or for reduction of benefits for the purpose of maintaining the insurer's solvency; (6) Policies must contain a statement that the subscriber has a right to complain to the State Bar of Alabama about attorney conduct pursuant to the plan; and (7) Policies must contain a statement that the individual beneficiary has the right to retain, at his own expense, except where the policy provides otherwise, any attorney authorized to practice law in the state; (d) The department may disapprove a policy or certificate form if it finds that it: (1) Is unfair, unfairly discriminatory, misleading, ambiguous, or encourages misrepresentation or misunderstanding of the contract; (2) Provides coverage or benefits or contains other provisions that would endanger the solvency of the insurer; or (3) Is contrary to law. (Acts 1981, No. 81-719, p. 1214, §1.)
AL Code § 27-43-11 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 43 - Legal Expense Insurance.|Section 27-43-11 - Premium Rates.

Section 27-43-11Premium rates. (a) No policy of legal expense insurance may be issued in this state unless the premium rates for the insurance have been filed with and approved by the commissioner. (b) Premium rates must be established and justified in accordance with generally accepted insurance principles, including, but not limited to, the experience or judgment of the insurer making the rate filing or actuarial computations. (c) The commissioner may disapprove rates that are excessive, inadequate, or unfairly discriminatory. Rates are not unfairly discriminatory because they are averaged broadly among persons insured under group, blanket, or franchise policies. (d) The commissioner may require the submission of whatever relevant information is deemed necessary in determining whether to approve or disapprove a filing made under this section or Section 27-43-10. (Acts 1981, No. 81-719, p. 1214, §1.)
AL Code § 27-43-12 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 43 - Legal Expense Insurance.|Section 27-43-12 - Filing, Approval, etc., of Contracts Between Insurers and Attorneys, Etc.

Section 27-43-12Filing, approval, etc., of contracts between insurers and attorneys, etc. (a) Contracts made between the insurer and participating attorneys, management contracts and contracts with other providers of services by the legal expense insurance policy must be filed with and approved by the commissioner. (b) Insurers must annually report to the commissioner, in such detail as is reasonably required, the number and geographical distribution of attorneys and other providers of services covered by the legal expense insurance policy with whom it maintains contractual relations and the nature of the relations. For individual insurers or groups of insurers, the commissioner may require more frequent reports. (Acts 1981, No. 81-719, p. 1214, §1.)
AL Code § 27-43-13 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 43 - Legal Expense Insurance.|Section 27-43-13 - Fees and Taxes Required of Legal Service Insurance Corporations; Applicability of General Insurance Laws to Legal Service Insurance Corporations.

Section 27-43-13Fees and taxes required of legal service insurance corporations; applicability of general insurance laws to legal service insurance corporations. (a) A legal service insurance corporation will pay the prescribed fees and taxes required of a domestic casualty insurer. (b) The following provisions of the insurance laws of this state apply to legal service insurance corporations authorized under Section 27-43-8, to the extent that they are not inconsistent with the provisions of this chapter: (1) Chapters 27-1 and 27-2 - Administration and General Provisions; (2) Chapter 27-4 - Fees and Taxes; (3) Chapter 27-6 - Administration of Deposits; (4) Chapter 27-11 [27-12] - Unfair Trade Practices; and (5) Chapter 27-32 - Insurer Insolvency; Rehabilitation and Liquidation. (c) The commissioner may by rule modify or waive any requirements referred to in subsection (b) of this section for legal service insurers if it is necessary to avoid unreasonable hardship, expense, or inconvenience and if the interests of policyholders continue to be adequately protected. (Acts 1981, No. 81-719, p. 1214, §1.)
AL Code § 27-43-14 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 43 - Legal Expense Insurance.|Section 27-43-14 - Applicability of Chapters 7 and 8a.

Section 27-43-14Applicability of Chapters 7 and 8A. Persons representing or aiding a legal service insurance corporation in the solicitation of legal expense insurance contracts in this state and the legal service insurance corporation with respect thereto shall be subject to Chapters 7 and 8A of this title, except that legal service insurance corporation producers shall be exempt from the 40-hour prelicensing course and written examination requirements of Chapter 7 of this title and the continuing education requirements of Chapter 8A of this title. (Acts 1981, No. 81-719, p. 1214, §1; Act 2001-702, p. 1509, §15.)
AL Code § 27-43-15 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 43 - Legal Expense Insurance.|Section 27-43-15 - Registration Requirements - Sales Agents.

Section 27-43-15Registration requirements - Sales agents. Repealed by Act 2001-702, p. 1509, § 16, effective January 1, 2002. (Acts 1981, No. 81-719, p. 1214, §1; Acts 1984, No. 84-243, p. 374, §1.)
AL Code § 27-43-16 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 43 - Legal Expense Insurance.|Section 27-43-16 - Grounds for Compulsory Refusal, Suspension, Revocation, etc., of Registration of Contracting Sales Agents.

Section 27-43-16Grounds for compulsory refusal, suspension, revocation, etc., of registration of contracting sales agents. Repealed by Act 2001-702, p. 1509, § 16, effective January 1, 2002. (Acts 1981, No. 81-719, p. 1214, §1.)
AL Code § 27-43-17 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 43 - Legal Expense Insurance.|Section 27-43-17 - Grounds for Discretionary Refusal, Suspension, Revocation, etc., of Registration of Contracting Sales Agents.

Section 27-43-17Grounds for discretionary refusal, suspension, revocation, etc., of registration of contracting sales agents. Repealed by Act 2001-702, p. 1509, § 16, effective January 1, 2002. (Acts 1981, No. 81-719, p. 1214, §1.)
AL Code § 27-43-18 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 43 - Legal Expense Insurance.|Section 27-43-18 - Procedure for Refusal, Suspension, Revocation, etc., of Registration of Contracting Sales Agent.

Section 27-43-18Procedure for refusal, suspension, revocation, etc., of registration of contracting sales agent. Repealed by Act 2001-702, p. 1509, § 16, effective January 1, 2002. (Acts 1981, No. 81-719, p. 1214, §1.)
AL Code § 27-43-19 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 43 - Legal Expense Insurance.|Section 27-43-19 - Imposition of Administrative Penalty in Lieu of Suspension, Revocation, etc., of Registration.

Section 27-43-19Imposition of administrative penalty in lieu of suspension, revocation, etc., of registration. Repealed by Act 2001-702, p. 1509, § 16, effective January 1, 2002. (Acts 1981, No. 81-719, p. 1214, §1.)
AL Code § 27-43-20 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 43 - Legal Expense Insurance.|Section 27-43-20 - Funds Belonging to Legal Service Insurance Corporations Received by Agents to Be Held in Trust; Accounting for and Disposition of Funds by Agents; Appropriation of Funds, etc., by Agent.

Section 27-43-20Funds belonging to legal service insurance corporations received by agents to be held in trust; accounting for and disposition of funds by agents; appropriation of funds, etc., by agent. Repealed by Act 2001-702, p. 1509, § 16, effective January 1, 2002. (Acts 1981, No. 81-719, p. 1214, §1.)
AL Code § 27-43-21 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 43 - Legal Expense Insurance.|Section 27-43-21 - Disposition of Moneys Received From Licenses and Fees.

Section 27-43-21Disposition of moneys received from licenses and fees. All moneys received from licenses and fees shall be deposited to the credit of the Examiners' Revolving Fund of the Department of Insurance. (Acts 1981, No. 81-719, p. 1214, §1.)
AL Code § 27-43-22 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 43 - Legal Expense Insurance.|Section 27-43-22 - Promulgation of Rules and Regulations.

Section 27-43-22Promulgation of rules and regulations. The commissioner shall devise and promulgate rules and regulations, not inconsistent with the provisions of this chapter, as he deems advisable for effectuating its orderly administration. (Acts 1981, No. 81-719, p. 1214, §1.)
AL Code § 27-43-23 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 43 - Legal Expense Insurance.|Section 27-43-23 - Construction of Chapter.

Section 27-43-23Construction of chapter. Nothing contained in this chapter shall be construed to regulate the practice of law or limit the powers or authority of the Supreme Court of Alabama or State Bar of Alabama in the regulation of the conduct of attorneys. (Acts 1981, No. 81-719, p. 1214, §1.)
AL Code § 27-44-1 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 44 - Life and Disability Insurance Guaranty Association.|Section 27-44-1 - Short Title.

Section 27-44-1Short title. This chapter shall be known and may be cited as the "Alabama Life and Disability Insurance Guaranty Association Act." (Acts 1982, No. 82-561, p. 922, §1.)
AL Code § 27-44-2 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 44 - Life and Disability Insurance Guaranty Association.|Section 27-44-2 - Purpose of Chapter.

Section 27-44-2Purpose of chapter. (a) The purpose of this chapter is to protect, subject to certain limitations, the persons specified in Section 27-44-3(a) against failure in the performance of contractual obligations, under life and disability insurance policies and annuity contracts specified in Section 27-44-3(b), because of the impairment or insolvency of the member insurer that issued the policies or contracts. (b) To provide this protection, an association of insurers is created to pay benefits and to continue coverages as limited by this chapter, and members of the association are subject to assessment to provide funds to carry out the purpose of this chapter. (Acts 1982, No. 82-561, p. 922, §2; Act 2012-319, p. 724, §1.)
AL Code § 27-44-4 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 44 - Life and Disability Insurance Guaranty Association.|Section 27-44-4 - Construction of Chapter.

Section 27-44-4Construction of chapter. This chapter shall be liberally construed to effect the purpose under Section 27-44-2 which shall constitute an aid and guide to interpretation. (Acts 1982, No. 82-561, p. 922, §4.)
AL Code § 27-44-6 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 44 - Life and Disability Insurance Guaranty Association.|Section 27-44-6 - Creation of Association; Membership; Accounts; Supervision.

Section 27-44-6Creation of association; membership; accounts; supervision. (a) There is created a nonprofit unincorporated legal entity to be known as the Alabama Life and Disability Insurance Guaranty Association. All member insurers shall be and remain members of the association as a condition of their authority to transact insurance in this state. The association shall perform its functions under the plan of operation established and approved under Section 27-44-10 and shall exercise its powers through a board of directors established under Section 27-44-7. For purposes of administration and assessment the association shall maintain three accounts: (1) The disability insurance account; (2) The life insurance account; and (3) The annuity account. (b) The association shall come under the immediate supervision of the commissioner and shall be subject to the applicable provisions of the insurance laws of this state. (Acts 1982, No. 82-561, p. 922, §6.)