reglab/housing_qa huggingface dataset:
HI Rev Stat § 431:1-205 (2021)
2021 Hawaii Revised Statutes|Title 24. Insurance|431. Insurance Code|431:1-205 Accident and health or sickness insurance defined

  §431:1-205 Accident and health or sickness insurance defined. Accident and health or sickness insurance, also referred to as disability insurance, is insurance against bodily injury, disablement, or death by accident, or accidental means, or the expense thereof; against disablement or expense resulting from sickness; and every insurance appertaining thereto, including health and medical insurance. [L 1987, c 347, pt of §2; am L 2002, c 155, §5]
HI Rev Stat § 431:1-206 (2021)
2021 Hawaii Revised Statutes|Title 24. Insurance|431. Insurance Code|431:1-206 Property insurance defined.

  §431:1-206 Property insurance defined. Property insurance is insurance against loss of or damage to real or personal property of every kind and any interest therein, from any or all hazard or cause and against loss consequential upon such loss of or damage. An inclusion within other defined classes of insurance of the right to insure against certain designated perils to real or personal property shall not be deemed a diminution of the definition of property insurance. [L 1987, c 347, pt of §2] Cross References  Hawaii hurricane relief fund, see chapter 431P.
HI Rev Stat § 431:1-207 (2021)
2021 Hawaii Revised Statutes|Title 24. Insurance|431. Insurance Code|431:1-207 Marine and transportation insurance defined.

  §431:1-207 Marine and transportation insurance defined. Marine and transportation insurance is:  (1) Insurance against any and all kinds of loss of or damage to:  (A) Vessels, craft, aircraft, cars, automobiles, and vehicles of every kind, as well as all goods, freights, cargoes, merchandise, effects, disbursement, profits, moneys, bullion, precious stones, securities, choses in action, evidences of debt, valuable papers, bottomry and respondentia interests, and all other kinds of property and interests therein, in respect to, appertaining to, or in connection with any and all risks or perils of navigation, transit or transportation, including war risks, on or under any seas or other waters, on land or in the air, or while being assembled, packed, crated, baled, compressed, or similarly prepared for shipment or while awaiting the same or during any delays, storage, transshipment, or reshipment incident thereto, including marine builder's risks and all personal property floater risks;  (B) Person or to property in connection with or appertaining to a marine, inland marine, transit, or transportation insurance, including liability for loss of or damage to either, arising out of or in connection with the construction, repair, operation, maintenance, or use of the subject matter of such insurance (but not including life insurance or surety bonds nor insurance against loss by reason of bodily injury to the person arising out of the ownership, maintenance or use of automobiles);  (C) Precious stones, jewels, jewelry, gold, silver, and other precious metals, whether used in business or trade or otherwise and whether the same be in course of transportation or otherwise; and  (D) Bridges, tunnels and other instrumentalities of transportation and communication (excluding buildings, their furniture and furnishings, fixed contents and supplies held in storage) unless fire, tornado, sprinkler leakage, hail, explosion, earthquake, riot, and civil commotion are the only hazards to be covered; piers, wharves, docks, and slips, excluding the risks of fire, tornado, sprinkler leakage, hail, explosion, earthquake, riot, and civil commotion; other aids to navigation and transportation, including drydocks and marine railways, against all risks.  (2) Marine protection and indemnity insurance, meaning insurance against, or against legal liability of the insured for, loss, damage or expense arising out of, or incident to, the ownership, operation, chartering, maintenance, use, repair or construction of any vessel, craft or instrumentality in use in ocean or inland waterways, including liability of the insured for personal injury, illness or death or for loss of or damage to the property of another person. [L 1987, c 347, pt of §2]
HI Rev Stat § 431:1-208 (2021)
2021 Hawaii Revised Statutes|Title 24. Insurance|431. Insurance Code|431:1-208 Vehicle insurance defined.

  §431:1-208 Vehicle insurance defined. (a) Vehicle insurance is insurance against loss of or damage to any land vehicle or aircraft or any draft or riding animal or to property while contained therein or thereon or being loaded or unloaded therein or therefrom, and against any loss, expense or liability for loss or damage to persons or property resulting from or incident to ownership, maintenance, or use of any such vehicle or aircraft or animal.  (b) Insurance against accidental death or accidental injury to individuals including the named insured while in, entering, alighting from, adjusting, repairing, cranking, or caused by being struck by a vehicle, aircraft, or draft or riding animal, if such insurance is issued as part of insurance on the vehicle, aircraft, or draft or riding animal, shall be deemed to be vehicle insurance. [L 1987, c 347, pt of §2]
HI Rev Stat § 431:1-210 (2021)
2021 Hawaii Revised Statutes|Title 24. Insurance|431. Insurance Code|431:1-210 Surety insurance defined.

  §431:1-210 Surety insurance defined. Surety insurance includes:  (1) Bail bond insurance, which is a guarantee that any person, in or in connection with any proceedings in any court, will:  (A) Attend in court when required, or  (B) Will obey the orders of judgment of the court, as a condition to the release of the person from confinement, and the execution of bail bonds for any such purpose. The making of property or cash bail does not constitute the transacting of bail bond insurance.  (2) Fidelity insurance, which is insurance guaranteeing the fidelity of persons holding positions of public or private trust.  (3) Guaranteeing the performance of contracts and guaranteeing and executing bonds, undertakings and contracts of suretyship.  (4) Indemnifying banks, bankers, brokers, financial or moneyed corporations or associations against loss resulting from any cause of bills of exchange, notes, bonds, securities, evidences of debts, deeds, mortgages, warehouse receipts, or other valuable papers, documents, money, precious metals, and articles made therefrom, jewelry, watches, necklaces, bracelets, gems, precious and semiprecious stones, including any loss while the same are being transported in armored motor vehicles, or by messenger, but not including any other risks of transportation or navigation; also against loss or damage to such insured's premises, or to the insured's furnishings, fixtures, equipment, safes, and vaults therein, caused by burglary, robbery, theft, vandalism, or malicious mischief, or any attempted burglary, robbery, theft, vandalism, or malicious mischief.  (5) Forgery insurance. [L 1987, c 347, pt of §2]
HI Rev Stat § 431:1-211 (2021)
2021 Hawaii Revised Statutes|Title 24. Insurance|431. Insurance Code|431:1-211 Ocean marine insurance defined.

  §431:1-211 Ocean marine insurance defined. Ocean marine insurance (although not a class of insurance as named in section 431:1-203), whenever the term is used in this code, means insurance:  (1) Upon vessels, crafts, hulls, and of interests therein, or with relation thereto;  (2) Of marine builders' risks, marine war risks and contracts of marine protection and indemnity insurance;  (3) Of freights and disbursements pertaining to a subject of insurance coming within this definition;  (4) Of personal property and interests therein, in course of movement into or out of this State or among the islands of this State, or in course of exportation from or importation into any country, or in course of transportation coastwise, including transportation by land, water, or air from point of origin to final destination, in respect to, appertaining to, or in connection with, any risk or peril of navigation, transit or transportation, and while being prepared for and while awaiting shipment, and during any delays, storage, transshipment, or reshipment incident thereto. [L 1987, c 347, pt of §2]
HI Rev Stat § 431:1-212 (2021)
2021 Hawaii Revised Statutes|Title 24. Insurance|431. Insurance Code|431:1-212 Person defined.

  §431:1-212 Person defined. Person means any individual, company, insurer, association, organization, group, reciprocal or interinsurance exchanges, partnership, business, trust, or corporation. [L 1987, c 347, pt of §2]
HI Rev Stat § 431:1-213 (2021)
2021 Hawaii Revised Statutes|Title 24. Insurance|431. Insurance Code|431:1-213 State defined.

  §431:1-213 State defined. State means any state of the United States and the governments of Puerto Rico, American Samoa, Guam, the Northern Mariana Islands, the United States Virgin Islands, and the District of Columbia. [L 1987, c 347, pt of §2; am L 1997, c 233, §2; am L 2011, c 68, §2]
HI Rev Stat § 431:1-214 (2021)
2021 Hawaii Revised Statutes|Title 24. Insurance|431. Insurance Code|431:1-214 United States defined.

  §431:1-214 United States defined. United States, when used to signify a place, means the states of the United States and the governments of Puerto Rico, American Samoa, Guam, the Northern Mariana Islands, the United States Virgin Islands, and the District of Columbia. [L 1987, c 347, pt of §2; am L 1997, c 233, §3; am L 2011, c 68, §3]
HI Rev Stat § 431:1-215 (2021)
2021 Hawaii Revised Statutes|Title 24. Insurance|431. Insurance Code|431:1-215 Transaction of an insurance business.

  §431:1-215 Transaction of an insurance business. Transaction of an insurance business means any of the following acts in this State effected by mail or otherwise by or on behalf of an insurer. The venue of an act committed by mail is at the point where the matter transmitted by mail is delivered and takes effect. Unless otherwise indicated, the term insurer as used in this definition includes all corporations, associations, partnerships, and individuals, engaged as principals in the business of insurance and also includes reciprocal insurers.  (1) The making of or proposing to make, as an insurer, an insurance contract;  (2) The making of or proposing to make, as guarantor or surety, any contract of guaranty or suretyship as a vocation and not merely incidental to any other legitimate business or activity of the guarantor or surety;  (3) The taking or receiving of any application for insurance;  (4) The receiving or collection of any premium, commission, membership fees, assessments, dues or other consideration for any insurance or any part thereof;  (5) The issuance or delivery of contracts of insurance to residents of this State or to persons authorized to do business in this State;  (6) The transaction of any kind of insurance business specifically recognized as transacting an insurance business under this code; or  (7) The transacting or proposing to transact any insurance business in substance equivalent to any of the foregoing in a manner designed to evade the provisions of this code. [L 1987, c 347, pt of §2]
HI Rev Stat § 431:1-216 (2021)
2021 Hawaii Revised Statutes|Title 24. Insurance|431. Insurance Code|431:1-216 General business practice.

  §431:1-216 General business practice. General business practice means an established measure or model practiced or used at least three times in one calendar year in the general business community. [L 1987, c 349, §1]
HI Rev Stat § 431:2-101 (2021)
2021 Hawaii Revised Statutes|Title 24. Insurance|431. Insurance Code|431:2-101 Insurance division.

  §431:2-101 Insurance division. The insurance division is established within the department of commerce and consumer affairs. [L 1987, c 347, pt of §2]
HI Rev Stat § 431:2-102 (2021)
2021 Hawaii Revised Statutes|Title 24. Insurance|431. Insurance Code|431:2-102 Insurance commissioner.

  §431:2-102 Insurance commissioner. (a) The insurance division shall be under the supervision and control of an administrator who shall be known as the insurance commissioner. The director of commerce and consumer affairs shall, with the approval of the governor, appoint the insurance commissioner who shall not be subject to chapter 76. The insurance commissioner shall hold the insurance commissioner's office at the pleasure of the director of commerce and consumer affairs and shall be responsible for the performance of the duties imposed upon the division.  (b) Commissioner, where used in this code, means the insurance commissioner of this State. [L 1987, c 347, pt of §2; am L 2000, c 253, §150]
HI Rev Stat § 431:2-103 (2021)
2021 Hawaii Revised Statutes|Title 24. Insurance|431. Insurance Code|431:2-103 Salary.

  §431:2-103 Salary. The salary of the commissioner shall be set by the director of commerce and consumer affairs but shall not be more than the maximum salary of first deputies to department heads. [L 1987, c 347, pt of §2] Cross References  Salary of deputies or assistants, see §26-53.
HI Rev Stat § 431:2-104 (2021)
2021 Hawaii Revised Statutes|Title 24. Insurance|431. Insurance Code|431:2-104 Seal.

  §431:2-104 Seal. The official seal of the commissioner shall be a vignette of King Kamehameha I, with the words "Insurance Commissioner, State of Hawaii" surrounding the vignette. Any certificate or license issued by the commissioner shall bear the commissioner's official seal. [L 1987, c 347, pt of §2]
HI Rev Stat § 431:2-105 (2021)
2021 Hawaii Revised Statutes|Title 24. Insurance|431. Insurance Code|431:2-105 Deputies, employees.

 §431:2-105 Deputies, employees. (a) There shall be a chief deputy commissioner, who shall be subject to chapter 76. The chief deputy commissioner shall have the power to perform any act or duty assigned by the commissioner. If a commissioner has not been appointed, the chief deputy commissioner shall have the power to perform any act that the commissioner is authorized to perform until an appointment becomes effective. The certificate of the chief deputy commissioner's appointment shall be filed in the office of the lieutenant governor.  (b) There may be additional deputy commissioners and examiners and actuarial, technical, and administrative assistants and clerks for such purposes as the commissioner may designate. All of the positions shall be subject to chapter 76.  (c) The commissioner may appoint a senior rate and policy analyst who shall not be subject to chapter 76.  (d) The commissioner shall be responsible for the official acts of the commissioner's deputies and employees.  (e) The commissioner may require any employee to be bonded as the commissioner deems proper. The cost of the bond shall be borne by the State. [L 1987, c 347, pt of §2; am L 1988, c 363, §2(1); am L 1999, c 246, §1; am L 2000, c 253, §150; am L 2006, c 48, §7; am L 2011, c 81, §1]
HI Rev Stat § 431:2-105.5 (2021)
2021 Hawaii Revised Statutes|Title 24. Insurance|431. Insurance Code|431:2-105.5 Staff.

  §431:2-105.5 Staff. There are established within the insurance division of the department of commerce and consumer affairs six positions for technical staff, and three positions for clerical staff, necessary to enable the State to meet and maintain National Association of Insurance Commissioners accreditation standards. These positions shall not be subject to chapter 76. [L 1993, c 321, §1; am L 1999, c 163, §10; am L 2000, c 253, §150]
HI Rev Stat § 431:2-106 (2021)
2021 Hawaii Revised Statutes|Title 24. Insurance|431. Insurance Code|431:2-106 Ethical requirements for insurance division staff.

  §431:2-106 Ethical requirements for insurance division staff. The commissioner, deputies and employees of the insurance division shall not represent, be employed by, own any securities of, be a creditor of, or be financially interested in any other manner in, any insurer authorized to do business in this State, or in any insurance agency in this State, except that the commissioner, or any deputy or employee, may be a policyholder or obligee of any such insurer. [L 1987, c 347, pt of §2]
HI Rev Stat § 431:2-107 (2021)
2021 Hawaii Revised Statutes|Title 24. Insurance|431. Insurance Code|431:2-107 Workers' compensation rate analysis.

 §431:2-107 Workers' compensation rate analysis. There shall be established within the insurance division a unit to assist the commissioner in workers' compensation insurance rate-filing and rate-making proceedings under article 14. The commissioner may employ or contract actuaries, accountants, investigators, clerks, stenographers, and other assistants who shall not be subject to chapter 76. [L 1987, c 347, pt of §2; am L 2000, c 253, §150] Cross References  Limitation on charges, see §431:10C-308.5.
HI Rev Stat § 431:2-108 (2021)
2021 Hawaii Revised Statutes|Title 24. Insurance|431. Insurance Code|431:2-108 Commissioner may delegate.

  §431:2-108 Commissioner may delegate. Any power, duty, or function vested in the commissioner by this code may be exercised, discharged, or performed by any employee of the department of commerce and consumer affairs acting in the name and by the delegated authority of the commissioner, with the approval of the director of the department of commerce and consumer affairs. [L 1987, c 347, pt of §2]
HI Rev Stat § 431:2-109 (2021)
2021 Hawaii Revised Statutes|Title 24. Insurance|431. Insurance Code|431:2-109 Supplies, convention blanks.

  §431:2-109 Supplies, convention blanks. The commissioner shall purchase at the expense of this State and in the manner provided by law:  (1) Printing, books, reports, furniture, equipment, and supplies as the commissioner deems necessary to the proper discharge of the commissioner's duties under this code.  (2) Convention form insurers' annual statement blanks, which the commissioner may purchase from any printer manufacturing the forms for the various states. [L 1987, c 347, pt of §2]
HI Rev Stat § 431:2-110 (2021)
2021 Hawaii Revised Statutes|Title 24. Insurance|431. Insurance Code|431:2-110 Offices.

  §431:2-110 Offices. The commissioner shall have an office at Honolulu, and may maintain such offices elsewhere in this State as the commissioner may deem necessary. [L 1987, c 347, pt of §2]
HI Rev Stat § 431:2-201 (2021)
2021 Hawaii Revised Statutes|Title 24. Insurance|431. Insurance Code|431:2-201 General powers and duties.

Note   "Annual study and report to 2017-2021 legislature by insurance commissioner on impact of L 2016, c 236 (regarding transportation network companies) on personal motor vehicle insurance policy rates in the State (repealed September 1, 2021). L 2016, c 236, § §3, 6", as shown in the main volume, is superseded by "Annual study and report to 2017-2021 legislature by insurance commissioner on impact of L 2016, c 236 (regarding transportation network companies) on personal motor vehicle insurance policy rates in the State (repealed September 1, 2023). L 2016, c 236, § §3, 6; L 2021, c 132, §2".   §431:2-201 General powers and duties. (a) The commissioner shall have the authority expressly conferred upon the commissioner by or reasonably implied from the provisions of this code.  (b) The commissioner shall execute the commissioner's duties and shall enforce this code.  (c) The commissioner may:  (1) Make reasonable rules for effectuating any provision of this code, except those relating to the commissioner's appointment, qualifications, or compensation. The commissioner shall adopt rules to effectuate article 10C of chapter 431, subject to the approval of the governor's office and the requirements of chapter 91;  (2) Conduct examinations and investigations to determine whether any person has violated any provision of this code or to secure information useful in the lawful administration of any provision;  (3) Require applicants to provide fingerprints and pay a fee to allow the commissioner to make a determination of license eligibility after obtaining state and national criminal history record checks from the Hawaii criminal justice data center and the Federal Bureau of Investigation;  (4) Require, upon reasonable notice, that insurers report any claims information the commissioner may deem necessary to protect the public interest; and  (5) Upon showing of good cause, waive or modify, in whole or part, any or all fees by order. [L 1987, c 347, pt of §2; am L 1998, c 275, §12; am L 2003, c 212, §15; am L 2009, c 77, §13; am L 2021, c 110, §5] Attorney General Opinions  The division will be responsible for enforcement of health insurance provisions of the reciprocal beneficiaries act [L 1997, c 383], because those provisions are placed within the insurance code and, therefore, are within the commissioner's enforcement responsibility under subsection (b); those provisions can only be enforced against insurers, not employers. Att. Gen. Op. 97-10. Case Notes  Commissioner's rulemaking authority enabled commissioner to adopt procedural mechanism, i.e., peer review process, through which guidelines for service provider fees and frequency of treatment may be exceeded. 927 F. Supp. 1330 (1996).
HI Rev Stat § 431:2-201.2 (2021)
2021 Hawaii Revised Statutes|Title 24. Insurance|431. Insurance Code|431:2-201.2 Standards for commissioner.

  §431:2-201.2 Standards for commissioner. When reviewing a uniform standard, the commissioner shall consider the following standards in determining whether to opt out of a uniform standard:  (1) Whether the public interest is being served or protected;  (2) Whether the reasonable expectations of the consumer will be met;  (3) Whether the uniform standard is or will require a reasonably clear, plain English communication to the consumer;  (4) Whether the consumer will be protected in a typical transaction where the consumer may have less power, information, or understanding of the meaning or consequences of the transaction, or any part thereof, than the insurer or producer;  (5) The long-term effects of the uniform standard;  (6) The possible effects of the uniform standard on the financial condition of insurers;  (7) Confidentiality requirements in state or federal law;  (8) State and federal constitutional issues;  (9) The impact of the uniform standard on any provision of the insurance code or any state or federal law;  (10) The uniform standard's particular impact in the State and any conditions unique to the State; and  (11) The integration of the uniform standard with state or federal law and any possible conflicts with such laws. [L 2004, c 104, §3]
HI Rev Stat § 431:2-201.3 (2021)
2021 Hawaii Revised Statutes|Title 24. Insurance|431. Insurance Code|431:2-201.3 Criminal convictions; consent to engage in business.

  §431:2-201.3 Criminal convictions; consent to engage in business. (a) Any person who is engaged in the business of insurance or who is about to engage in the business of insurance in this State and who has been convicted of any felony shall request the commissioner's written consent to engage in the business of insurance.  (b) After receipt of the request, the commissioner, in writing, may:  (1) Consent to the person engaging in the business of insurance;  (2) Provide a limited consent; or  (3) Deny the individual the privilege of engaging in the business of insurance.  (c) Any person who fails to submit the request as required by this section and who engages in the business of insurance without the written consent of the commissioner shall be in violation of this chapter and subject to the fines and penalties provided under this chapter.  (d) The commissioner may prescribe the format and content of the form used to request the commissioner's written consent to engage in the business of insurance. [L 2000, c 73, §1]
HI Rev Stat § 431:2-201.8 (2021)
2021 Hawaii Revised Statutes|Title 24. Insurance|431. Insurance Code|431:2-201.8 Sales to members of the armed forces.

  §431:2-201.8 Sales to members of the armed forces. Pursuant to the Military Personnel Financial Services Protection Act, Pub. L. No. 109-290, the commissioner shall have the authority to adopt rules to protect service members of the United States armed forces from dishonest and predatory life insurance sales practices by declaring certain life insurance practices, identified in the rules, to be false, misleading, deceptive, or unfair. [L 2007, c 233, §2]