reglab/housing_qa huggingface dataset:
NC Gen Stat § 58-2-205 (2021)
2021 North Carolina General Statutes|Chapter 58 - Insurance|Article 2 - Commissioner of Insurance.|§ 58-2-205 - CPA audits of financial statements.

 58-2-205. CPA audits of financial statements.The Commissioner may adopt rules to provide for audits and opinions of insurers' financial statements by certified public accountants. These rules shall be substantially similar to the NAIC model rule that requires audited financial reports, as amended. The Commissioner may adopt, amend, or repeal provisions of these rules under G.S. 150B-21.1 in order to keep these rules current with the NAIC model rule. (1989, c. 485, s. 38; 1998-212, s. 26B(g).)
NC Gen Stat § 58-2-210 (2021)
2021 North Carolina General Statutes|Chapter 58 - Insurance|Article 2 - Commissioner of Insurance.|§ 58-2-210 - Rules for mortgage insurance consolidations.

 58-2-210. Rules for mortgage insurance consolidations.The Commissioner is authorized to adopt rules governing mortgage insurance consolidations and related rules concerning unfair rate discrimination. In the event the Commissioner adopts such rules, while such rules are in effect the unfair rate discrimination provisions of G.S. 58-58-35 and G.S. 58-63-15(7) will not apply to mortgage insurance consolidations to the extent those provisions are inconsistent with such rules. For purposes of this section, "mortgage insurance consolidation" means any transaction in which a mortgage loan servicer makes its premium collection services available to mortgage debtors in connection with an insurer's offer of mortgage insurance, which offer is made to debtors who, immediately prior to the offer, had mortgage insurance with another insurer and were paying premiums for that insurance with their monthly mortgage payments. (1989, c, 341, s. 1.)
NC Gen Stat § 58-2-215 (2021)
2021 North Carolina General Statutes|Chapter 58 - Insurance|Article 2 - Commissioner of Insurance.|§ 58-2-215 - Consumer Protection Fund.

 58-2-215. Consumer Protection Fund.(a) A special fund is created in the Office of the State Treasurer, to be known as the Department of Insurance Consumer Protection Fund. The Fund shall be placed in an interest bearing account and any interest or other income derived from the Fund shall be credited to the Fund. Moneys in the Fund shall only be spent pursuant to warrants drawn by the Commissioner on the Fund through the State Treasurer. The Fund shall be subject to the provisions of the Executive Budget Act; except that the provisions of Article 3C of Chapter 143 of the General Statutes do not apply to subdivision (b)(1) of this section.(b) All moneys credited to the Fund shall be used only to pay the following expenses incurred by the Department:(1) For the purpose of retaining outside actuarial and economic consultants, legal counsel, and court reporting services in the review and analysis of rate filings and any other insurance regulatory matters, in conducting all hearings, and through any final adjudication.(2) In connection with any delinquency proceeding under Article 30 of this Chapter, for the purpose of locating and recovering the assets of or any other obligations or liabilities owed to or due an insurer that has been placed under such proceeding.(3) In connection with any civil litigation, other than under Chapter 150B of the General Statutes or any appeal from an order of the Commissioner or his deputies, that is commenced against the Commissioner or his deputies and that arises out of the performance of their official duties, for the purpose of retaining outside consultants, legal counsel, and court reporting services to defend such litigation.(c) Moneys appropriated by the General Assembly shall be deposited in the Fund and shall become a part of the base budget of the Department of Insurance. Such base budget amount shall equal the actual expenditures drawn from the Fund during the prior fiscal year plus the official inflation rate designated by the Director of the Budget in the preparation of the State Budget for each ensuing fiscal year; provided that if interest income on the Fund exceeds the amount yielded by the application of the official inflation rate, such base budget amount shall be the actual expenditures drawn from the Fund. In the event the amount in the Fund exceeds two hundred fifty thousand dollars ($250,000) at the end of any fiscal year, such excess shall revert to the General Fund.(d) Repealed by Session Laws 1996, c. 507, s. 11A(a), (b).  (1989 (Reg. Sess., 1990), c. 1069, s. 22; 1993 (Reg. Sess., 1994), c. 769, s. 14.1; 1995, c. 507, s. 11A(a), (b), (c); 2005-215, s. 21; 2012-142, s. 20.2; 2013-360, s. 20.1; 2014-100, s. 6.4(d).)
NC Gen Stat § 58-2-220 (2021)
2021 North Carolina General Statutes|Chapter 58 - Insurance|Article 2 - Commissioner of Insurance.|§ 58-2-220 - Insurance Regulatory Information System and similar program test data not public records.

 58-2-220. Insurance Regulatory Information System and similar program test data not public records.Except as provided in G.S. 58-4-25, financial test ratios, data, or information generated by the Commissioner pursuant to the NAIC Insurance Regulatory Information System, any successor program, or any similar program developed by the Commissioner, are not public records and are not subject to Chapter 132 of the General Statutes or G.S. 58-2-100. (1985 (Reg. Sess., 1986), c. 1013, s. 9; 1989 (Reg. Sess., 1990), c. 1021, s. 7; 1991, c. 681, s. 14.)
NC Gen Stat § 58-2-230 (2021)
2021 North Carolina General Statutes|Chapter 58 - Insurance|Article 2 - Commissioner of Insurance.|§ 58-2-230 - Commissioner to share information with Department of Labor.

 58-2-230. Commissioner to share information with Department of Labor. The Commissioner shall provide or cause to be provided to the Department of Labor, on an annual basis, the name and business address of every employer that is self-insured for workers' compensation. Information provided or caused to be provided by the Commissioner to the Department of Labor under this section is confidential and not open for public inspection under G.S. 132-6. (1991 (Reg. Sess., 1992), c. 894, s. 5.)
NC Gen Stat § 58-2-235 (2021)
2021 North Carolina General Statutes|Chapter 58 - Insurance|Article 2 - Commissioner of Insurance.|§ 58-2-235 - Expired.

 58-2-235: Expired.
NC Gen Stat § 58-2-245 (2021)
2021 North Carolina General Statutes|Chapter 58 - Insurance|Article 2 - Commissioner of Insurance.|§ 58-2-245 - Access to employer taxpayer identification numbers contained in public documents.

 58-2-245. Access to employer taxpayer identification numbers contained in public documents.Notwithstanding G.S. 132-1.10(b)(5), the Department is not required to redact an employer taxpayer identification number on documents that may be made available to the general public. (2006-105, s. 2.5.)
NC Gen Stat § 58-2-250 (2021)
2021 North Carolina General Statutes|Chapter 58 - Insurance|Article 2 - Commissioner of Insurance.|§ 58-2-250 - Electronic filings.

 58-2-250. Electronic filings.(a) As used in this section:(1) "Commissioner's designee" includes the National Insurance Producer Registry of the NAIC.(2) "License" includes any license, certificate, registration, or permit issued under this Chapter.(3) "Licensee" means any person who holds a license.(b) Notwithstanding any other provision of this Chapter, the Commissioner may adopt rules that require an applicant for a license or a licensee to file documents electronically with the Commissioner or the Commissioner's designee. The rules adopted under this section may contain procedures for the electronic payment of any fee required under this Chapter and the electronic filing of documents, including:(1) Any document required as part of an application for a license under this Chapter.(2) Any document required to be filed by an applicant for a license or a licensee to maintain the license in good standing.(3) Any other document required or permitted to be filed.(c) The Commissioner or the Commissioner's designee may charge an administrative fee for electronic filing. Fees charged for the processing of an electronic filing are in addition to any other fee imposed for the filing. Fees charged for an electronic filing are limited to the actual cost of the electronic transaction.(d) This section does not supersede any other provision of law that requires the electronic filing of a document or requires an applicant for a license or a licensee to make any other filing electronically.  (2009-383, s. 2.)
NC Gen Stat § 58-2-255 (2021)
2021 North Carolina General Statutes|Chapter 58 - Insurance|Article 2 - Commissioner of Insurance.|§ 58-2-255 - Electronic insurance communications and records.

 58-2-255. Electronic insurance communications and records.(a) Definitions. - As used in this section:(1) "Communications" means notices, offers, disclosures, documents, forms, information, and correspondence required or permitted to be provided to a party in writing under the insurance laws of this State or that are otherwise provided by an insurer, including, but not limited to, notices pertaining to the cancellation, termination, or nonrenewal of insurance.(2) "Delivered by electronic means" includes any of the following:a. Delivery to an electronic mail address or an electronic account at which a party has consented to receive electronic communications.b. Displaying information, or a link to information, as an essential step to completing the transaction to which such information relates.c. Providing notice to a party at the electronic mail address or an electronic account at which the party has consented to receive notice of the posting of a communication on an electronic network or site.(3) "Insurer" has the same meaning as in G.S. 58-1-5(3).(4) "Party" means a recipient of any communications defined in this section. "Party" includes an applicant, policyholder, insured, claimant, member, provider, or beneficiary.(b) When any insurance law of this State requires a communication to be provided to a party in writing, signed by a party, provided by means of a specific delivery method, or retained by an insurer, those requirements are satisfied if the insurer complies with Article 40 of Chapter 66 of the General Statutes.(c) Verification of communications delivered by electronic means shall constitute proof of mailing in civil and administrative proceedings and under the insurance laws of this State.(d) Nothing in this section affects requirements related to the content or timing of any communication required under the insurance laws of this State.(e) A recording of an oral communication between an insurer and a party that is reliably stored and reproduced by an insurer shall constitute an electronic communication or record. When a communication is required under the insurance laws of this State to be provided in writing, the communication provided in accordance with this subsection shall satisfy the requirement that the communication be in writing. When a communication is required under the insurance laws of this State to be signed, a recorded oral communication in which a party agrees to the terms stated in the oral communication shall satisfy the requirement.  (2013-413, s. 13(b); 2017-150, s. 2.)
NC Gen Stat § 58-3-1 (2021)
2021 North Carolina General Statutes|Chapter 58 - Insurance|Article 3 - General Regulations for Insurance.|§ 58-3-1 - State law governs insurance contracts.

 58-3-1. State law governs insurance contracts.All contracts of insurance on property, lives, or interests in this State shall be deemed to be made therein, and all contracts of insurance the applications for which are taken within the State shall be deemed to have been made within this State and are subject to the laws thereof. (1899, c. 54, s. 2; 1901, c. 705, s. 1; Rev., s. 4806; C.S., s. 6287.)
NC Gen Stat § 58-3-5 (2021)
2021 North Carolina General Statutes|Chapter 58 - Insurance|Article 3 - General Regulations for Insurance.|§ 58-3-5 - No insurance contracts except under Articles 1 through 64 of this Chapter.

 58-3-5. No insurance contracts except under Articles 1 through 64 of this Chapter.Except as provided in G.S. 58-3-6, it is unlawful for any company to make any contract of insurance upon or concerning any property or interest or lives in this State, or with any resident thereof, or for any person as insurance agent or insurance broker to make, negotiate, solicit, or in any manner aid in the transaction of such insurance, unless and except as authorized under the provisions of Articles 1 through 64 of this Chapter.  (1899, c. 54, s. 2; Rev., s. 4807; C.S., s. 6288; 1998-211, s. 1(a).)
NC Gen Stat § 58-3-7 (2021)
2021 North Carolina General Statutes|Chapter 58 - Insurance|Article 3 - General Regulations for Insurance.|§ 58-3-7 - Certain accountable care organizations not subject to this Chapter.

 58-3-7. Certain accountable care organizations not subject to this Chapter.This Chapter shall not apply to any accountable care organization approved by the Centers for Medicare and Medicaid Services (CMS) to participate in Medicare programs established under 42 U.S.C. 1315a or 42 U.S.C. 1395jjj. This exemption is limited to the activities performed by the accountable care organization pursuant to its agreement with CMS for participation in Medicare programs established under 42 U.S.C. 1315a or 42 U.S.C. 1395jjj.  (2016-78, s. 5.)
NC Gen Stat § 58-3-8 (2021)
2021 North Carolina General Statutes|Chapter 58 - Insurance|Article 3 - General Regulations for Insurance.|§ 58-3-8 - Medical direct primary care agreements not subject to this Chapter.

 58-3-8. Medical direct primary care agreements not subject to this Chapter.(a) Definitions. - The following definitions apply in this section:(1) Medical direct primary care agreement. - A contract between a primary care provider and an individual patient, a family, or an individual patient's legal representative in which the primary care provider agrees to provide primary care services to the individual patient or family for a specified fee and a specified period of time. Under a medical direct primary care agreement, a direct primary care provider charges a specified periodic fee for health care services and does not bill any third parties on a fee-for-service basis.(2) Primary care provider. - An individual or other legal entity that is licensed, registered, or otherwise authorized to provide primary health care services in this State under Chapter 90 of the General Statutes. This includes an individual or other legal entity alone or with others professionally associated with the individual or other legal entity.(3) Primary care service. - Includes, but is not limited to, the screening, assessment, diagnosis, and treatment of a patient for the promotion of health or the detection and management of disease or injury within the scope of practice of the primary care provider.(b) A medical direct primary care agreement is not insurance and is not subject to the provisions of this Chapter. Entering into a medical direct primary care agreement is not the business of insurance and is not subject to the provisions of this Chapter.(c) Primary care providers and their agents shall not be required to be licensed or certified under this Chapter to market, sell, or offer to sell direct primary care agreements.(d) A medical direct primary care agreement under this section must do all of the following:(1) Be in writing.(2) Be signed by the primary care provider, or the provider's agent, and the individual patient, an adult member of the family, or the individual patient's legal representative.(3) Allow either party to terminate the agreement with written notice to the other party.(4) Specify the periodic fee for the agreement.(5) Specify the primary care services that are included in the agreement and covered by the specified periodic fee.(6) Specify the duration of the agreement and any automatic renewal periods.(7) Prominently state in writing that the agreement is not health insurance.  (2020-85, s. 1.)
NC Gen Stat § 58-3-10 (2021)
2021 North Carolina General Statutes|Chapter 58 - Insurance|Article 3 - General Regulations for Insurance.|§ 58-3-10 - Statements in application not warranties.

 58-3-10. Statements in application not warranties.All statements or descriptions in any application for a policy of insurance, or in the policy itself, shall be deemed representations and not warranties, and a representation, unless material or fraudulent, will not prevent a recovery on the policy. (1901, c. 705, s. 2; Rev., s. 4808; C.S., s. 6289.)
NC Gen Stat § 58-3-15 (2021)
2021 North Carolina General Statutes|Chapter 58 - Insurance|Article 3 - General Regulations for Insurance.|§ 58-3-15 - Additional or coinsurance clause.

 58-3-15. Additional or coinsurance clause.No insurance company or agent licensed to do business in this State may issue any policy or contract of insurance covering property in this State that contains any clause or provision requiring the insured to take or maintain a larger amount of insurance than that expressed in the policy, nor in any way provide that the insured shall be liable as a coinsurer with the company issuing the policy for any part of the loss or damage to the property described in the policy, and any such clause or provision shall be null and void, and of no effect: Provided, the coinsurance clause or provision may be written in or attached to a policy or policies issued when there is printed or stamped on the declarations page of the policy or on the form containing the clause the words "coinsurance contract," and the Commissioner may, in the Commissioner's discretion, determine the location of the words "coinsurance contract" and the size of the type to be used. If there is a difference in the rate for the insurance with and without the coinsurance clause, the rates for each shall be furnished the insured upon request. (1915, c. 109, s. 5; C.S., s. 6441; 1925, c. 70, s. 4; 1945, c. 377; 1947, c. 721; 1999-132, s. 7.1.)
NC Gen Stat § 58-3-20 (2021)
2021 North Carolina General Statutes|Chapter 58 - Insurance|Article 3 - General Regulations for Insurance.|§ 58-3-20 - Group plans other than life, annuity or accident and health.

 58-3-20. Group plans other than life, annuity or accident and health.No policy of insurance other than life, annuity or accident and health may be written in North Carolina on a group plan which insures a group of individuals under a master policy at rates lower than those charged for individual policies covering similar risks. The master policy and certificates, if any, shall be first approved by the Commissioner and the rate, premiums or other essential information shall be shown on the certificate. (1945, c. 377.)
NC Gen Stat § 58-3-25 (2021)
2021 North Carolina General Statutes|Chapter 58 - Insurance|Article 3 - General Regulations for Insurance.|§ 58-3-25 - Discriminatory practices prohibited.

 58-3-25. Discriminatory practices prohibited.(a) No insurer shall after September 1, 1975, base any standard or rating plan for private passenger automobiles or motorcycles, in whole or in part, directly or indirectly, upon the age or sex of the persons insured.(b) No insurer shall refuse to insure or refuse to continue to insure an individual, limit the amount, extent, or kind of coverage available to an individual, or charge an individual a different rate for the same coverage, solely because of blindness or partial blindness or deafness or partial deafness. With respect to all other physical conditions, including the underlying cause of the blindness or partial blindness or deafness or partial deafness, individuals who are blind or partially blind shall be subject to the same standards of sound actuarial principles or actual or reasonably anticipated experience as are sighted individuals or individuals whose hearing is not impaired. Refusal to insure or refusal to continue to insure includes denial by an insurer providing disability insurance on the grounds that the policy defines disability as being presumed in the event that the insured loses his eyesight or hearing: Provided that an insurer providing disability insurance may except disability coverage for blindness, partial blindness, deafness, or partial deafness when those conditions existed at the time the application was made for the disability insurance policy. The provisions of this subsection shall be construed to supplement the provisions of G.S. 58-63-15(7) and G.S. 168-10. This subsection shall apply only to the underwriting of life insurance, accident, health, or accident and health insurance under Articles 1 through 66 of this Chapter, and annuities.(c) No insurer shall refuse to insure or refuse to continue to insure an individual; limit the amount, extent, or kind of coverage available to an individual; or charge an individual a different rate for the same coverage, because of the race, color, or national or ethnic origin of that individual. This subsection supplements the provisions of G.S. 58-3-120, 58-33-80, 58-58-35, and 58-63-15(7). (1975, c. 666, s. 1; 1985, c. 267, s. 1; 1989, c. 485, s. 22; 1991, c. 720, s. 67.)
NC Gen Stat § 58-3-30 (2021)
2021 North Carolina General Statutes|Chapter 58 - Insurance|Article 3 - General Regulations for Insurance.|§ 58-3-30 - Meaning of terms "accident", "accidental injury", and "accidental means".

 58-3-30. Meaning of terms "accident", "accidental injury", and "accidental means".(a) This section applies to the provisions of all group life, group accident, group health, and group accident and health insurance policies and group annuities under Articles 1 through 64 of this Chapter that are issued on or after October 1, 1989, and preferred provider arrangements under Articles 1 through 64 of this Chapter that are entered into on or after October 1, 1989.(b) "Accident", "accidental injury", and "accidental means" shall be defined to imply "result" language and shall not include words that establish an accidental means test. (1989, c. 485, s. 10.)