reglab/housing_qa huggingface dataset:
CT Gen Stat § 38a-825. (Formerly Sec. 38-59) (2020)
2020 Connecticut General Statutes|Title 38a - Insurance|Chapter 704 - Unfair and Prohibited Practices|Section 38a-825. (Formerly Sec. 38-59) - Premium rebate or other special favor.

 No insurance company doing business in this state, or attorney, producer or any other person shall pay or allow, or offer to pay or allow, as inducement to insurance, any rebate of premium payable on the policy, or any special favor or advantage in the dividends or other benefits to accrue thereon, or any valuable consideration or inducement not specified in the policy of insurance. No person shall receive or accept from any company, or attorney, producer or any other person, as inducement to insurance, any such rebate of premium payable on the policy, or any special favor or advantage in the dividends or other benefit to accrue thereon, or any valuable consideration or inducement not specified in the policy of insurance. No person shall be excused from testifying or from producing any books, papers, contracts, agreements or documents, at the trial of any other person charged with the violation of any provision of this section or of section 38a-446, on the ground that such testimony or evidence may tend to incriminate him, but no person shall be prosecuted for any act concerning which he is compelled to so testify or produce documentary or other evidence, except for perjury committed in so testifying.(1949 Rev., S. 6083; P.A. 96-193, S. 21, 36.)History: Sec. 38-59 transferred to Sec. 38a-825 in 1991; P.A. 96-193 substituted “producer” for “agent, subagent or broker”, effective June 3, 1996.See Sec. 38a-816 re unfair practices.Annotation to former section 38-59:Claim that act which permitted filing of rating plan in which individual insurer's judgment as to expense provisions or hazards of a particular risk may reflect cost of providing coverage and, in turn, the amount of the premium, amounts to rebating, held invalid. 153 C. 465, 477.
CT Gen Stat § 38a-826. (Formerly Sec. 38-55) (2020)
2020 Connecticut General Statutes|Title 38a - Insurance|Chapter 704 - Unfair and Prohibited Practices|Section 38a-826. (Formerly Sec. 38-55) - Misrepresentation to induce change of insurance. Penalty.

 No insurance company, producer or any other person, copartnership or corporation shall make or issue, or cause to be made or issued, any written or oral statements, misrepresenting or making incomplete comparisons regarding the terms or conditions or benefits contained in any policy or contract of insurance, legally issued by any insurance company licensed to transact business in this state, for the purpose of inducing or attempting to induce the owner of such policy or contract of insurance to forfeit or surrender such policy or contract of insurance or allow it to lapse for the purpose of replacing such policy or contract of insurance with another. Any person who violates any provision of this section shall be fined not more than five thousand dollars or imprisoned not more than thirty days, or both.(1949 Rev., S. 6079; P.A. 96-193, S. 22, 36; P.A. 08-178, S. 40.)History: Sec. 38-55 transferred to Sec. 38a-826 in 1991; P.A. 96-193 substituted “producer” for “agent or broker”, effective June 3, 1996; P.A. 08-178 increased maximum fine from $500 to $5,000 and made a technical change.
CT Gen Stat § 38a-827. (Formerly Sec. 38-93a) (2020)
2020 Connecticut General Statutes|Title 38a - Insurance|Chapter 704 - Unfair and Prohibited Practices|Section 38a-827. (Formerly Sec. 38-93a) - Fictitious grouping for insurance purposes prohibited.

 (a) As used in this section, a fictitious grouping means a grouping for rating purposes whereby a differentiation in rate is based solely upon membership in the group, but does not include a grouping where a common majority ownership is present, where those grouped are engaged in a joint venture or a common construction or demolition project or where there is a valid insurable interest on the part of the group.(b) No insurance company authorized to do business in this state may offer any organization, association or group of individuals privileged rate or premium on property, casualty or surety insurance which is based on a fictitious grouping of members of such organization or association or of such individuals; and no person engaged in the business of insurance shall pay or allow dividends to such a group other than that offered to persons or risks not in such group and the public generally.(c) A fictitious group to which a contract of property, casualty or surety insurance is issued shall not include a Connecticut resident; and no person engaged in the business of insurance may solicit a Connecticut resident or group of Connecticut residents for the purchase of property, casualty or surety insurance to be issued to a fictitious group at a privileged rate or premium.(d) This section shall not apply to life or accident and health insurance.(1967, P.A. 476; P.A. 90-243, S. 47.)History: P.A. 90-243 divided section into Subsecs. and substituted “may” for “shall” and “property” for “fire” insurance; Sec. 38-93a transferred to Sec. 38a-827 in 1991.
CT Gen Stat § 38a-827a (2020)
2020 Connecticut General Statutes|Title 38a - Insurance|Chapter 704 - Unfair and Prohibited Practices|Section 38a-827a - Discrimination on basis of lawful travel destination prohibited.

 No life insurance company doing business in this state may deny or refuse to accept an application for life insurance, refuse to renew, cancel, restrict or otherwise terminate a policy of life insurance, or make any distinction or discrimination between persons as to the premiums or rates charged for policies of life insurance, on the basis of any past or future lawful travel destination of the applicant or insured, except that such company may deny such application or charge a different premium or rate for coverage under such policy based on a specific lawful travel destination where the denial or rate differential is based on sound actuarial principles or is related to actual or reasonably anticipated experience.(P.A. 06-5, S. 1.)History: P.A. 06-5 effective April 21, 2006.
CT Gen Stat § 38a-828. (Formerly Sec. 38-56) (2020)
2020 Connecticut General Statutes|Title 38a - Insurance|Chapter 704 - Unfair and Prohibited Practices|Section 38a-828. (Formerly Sec. 38-56) - False statement of assets prohibited.

 No insurance company or health care center authorized to transact business in this state, nor any agent thereof, shall state or represent, either by advertisement in any newspaper, magazine or periodical or by any sign, circular, card or policy of insurance or contract or certificate of renewal thereof, or otherwise, any funds or assets to be in its possession not actually possessed by it and available for the payment of losses and claims and held for the protection of its policyholders, members or creditors. Any advertisement of or representation as to subscribed capital not actually paid up in cash shall constitute a violation of the provisions of this section.(1949 Rev., S. 6080; P.A. 96-227, S. 12.)History: Sec. 38-56 transferred to Sec. 38a-828 in 1991; P.A. 96-227 made the section applicable to health care centers.
CT Gen Stat § 38a-829. (Formerly Sec. 38-57) (2020)
2020 Connecticut General Statutes|Title 38a - Insurance|Chapter 704 - Unfair and Prohibited Practices|Section 38a-829. (Formerly Sec. 38-57) - Advertisements to conform to last filed statement.

 Each advertisement or public announcement and each circular or card made or issued by any insurance company authorized to transact business in this state, which purports to make known the financial standing of any such company by a statement of its assets, shall, with equal conspicuousness, give its liabilities and a summary of operations computed on the basis allowed for its annual statement, and no such public announcement shall be made until such statement has been filed with the Insurance Department of this state, provided nothing herein shall prevent any such company from (a) sending to its shareholders printed statements of its condition as of December thirty-first next preceding or (b) sending to its shareholders or publishing financial statements prepared in accordance with generally accepted accounting principles on either the separate company or consolidated basis and, in the case only of its annual reports, certified by its public accountants, provided annual financial statements prepared on the basis allowed for its annual statement are made available to shareholders.(1949 Rev., S. 6081; 1967, P.A. 325; 1971, P.A. 427; P.A. 77-614, S. 163, 610; P.A. 80-482, S. 282, 345, 348.)History: 1967 act required that advertisements, announcements, etc. give a summary of operations; 1971 act substituted “shareholders” for “stockholders” and added provisions re financial statements incorporated as Subdiv. (b); P.A. 77-614 placed insurance commissioner within the department of business regulation and made insurance department a division within that department, effective January 1, 1979; P.A. 80-482 restored insurance commissioner and division to prior independent status and abolished the department of business regulation; Sec. 38-57 transferred to Sec. 38a-829 in 1991.
CT Gen Stat § 38a-830. (Formerly Sec. 38-58) (2020)
2020 Connecticut General Statutes|Title 38a - Insurance|Chapter 704 - Unfair and Prohibited Practices|Section 38a-830. (Formerly Sec. 38-58) - Penalty.

 Any person or corporation which violates any provision of section 38a-828 or 38a-829 shall, for the first offense, forfeit to the state ten thousand dollars and, for each subsequent offense, twenty thousand dollars.(1949 Rev., S. 6082; P.A. 08-178, S. 41.)History: Sec. 38-58 transferred to Sec. 38a-830 in 1991; P.A. 08-178 increased forfeitures from $500 to $10,000 for a first offense and from $1,000 to $20,000 for each subsequent offense.
CT Gen Stat § 38a-831. (Formerly Sec. 38-32a) (2020)
2020 Connecticut General Statutes|Title 38a - Insurance|Chapter 704 - Unfair and Prohibited Practices|Section 38a-831. (Formerly Sec. 38-32a) - Solicitation of insurance contracts from credit cardholders prohibited. Exception.

 Section 38a-831 is repealed, effective October 1, 1999.(1967, P.A. 729; 1969, P.A. 669; P.A. 96-193, S. 23, 36; P.A. 99-59, S. 4.)
CT Gen Stat § 38a-832 (2020)
2020 Connecticut General Statutes|Title 38a - Insurance|Chapter 704 - Unfair and Prohibited Practices|Section 38a-832 - Written or oral communication advising against retention of attorney in personal injury case prohibited.

 (a) No insurer licensed to transact business in this state may, on behalf of itself or its insured, send or knowingly permit to be sent any written communication or make any oral statement to any person known or believed to have a claim for bodily injury or wrongful death against one of its insureds that affirmatively advises against the need for or discourages the retention of an attorney to represent the interest of such person in prosecuting or settling such bodily injury or wrongful death claim.(b) If any insurer or any employee of an insurer makes a written or oral communication in violation of subsection (a) of this section, the Insurance Commissioner, after reasonable notice and an opportunity for a hearing, may impose sanctions pursuant to this title, except sections 38a-815 to 38a-830, inclusive, including, but not limited to, the imposition of civil penalties.(c) An insurer shall be deemed to be in compliance with subsection (a) of this section with respect to any written communication if the written communication in question has been approved, prior to its use, by the Insurance Commissioner who has determined that the proposed written communication does not violate said subsection (a).(P.A. 97-58, S. 1, 5; P.A. 99-59, S. 3.)History: P.A. 97-58, S. 1, effective January 1, 1998; P.A. 99-59 amended Subsec. (b) to substitute “38a-830” for “38a-831”.
CT Gen Stat § 38a-836. (Formerly Sec. 38-273) (2020)
2020 Connecticut General Statutes|Title 38a - Insurance|Chapter 704a - Insurance Guaranty Funds|Section 38a-836. (Formerly Sec. 38-273) - Short title: Connecticut Insurance Guaranty Association Act.

 Sections 38a-836 to 38a-853, inclusive, shall be known and may be cited as the “Connecticut Insurance Guaranty Association Act”.(1971, P.A. 466, S. 1.)History: Sec. 38-273 transferred to Sec. 38a-836 in 1991.
CT Gen Stat § 38a-837. (Formerly Sec. 38-274) (2020)
2020 Connecticut General Statutes|Title 38a - Insurance|Chapter 704a - Insurance Guaranty Funds|Section 38a-837. (Formerly Sec. 38-274) - Application of chapter.

 Sections 38a-836 to 38a-853, inclusive, shall apply to all kinds of direct insurance, except:(1) Life, annuity, health or disability insurance;(2) Mortgage guaranty, financial guaranty or other forms of insurance offering protection against investment risks;(3) Fidelity or surety or any bonding obligations;(4) Credit insurance, vendors' single interest insurance, or collateral protection insurance or any similar insurance protecting the interests of a creditor arising out of a creditor-debtor transaction;(5) Insurance of warranties or service contracts, including insurance that provides for the repair, replacement or service of goods or property, or indemnification for repair, replacement or service, for the operational or structural failure of the goods or property due to a defect in materials, workmanship or normal wear and tear, or that provides reimbursement for the liability incurred by the issuer of agreements or service contracts that provide such benefits;(6) Title insurance;(7) Ocean marine insurance;(8) Any transaction or combination of transactions between a person, including affiliates of such person, and an insurer, including affiliates of such insurer, which involves the transfer of investment or credit risk unaccompanied by transfer of insurance risk;(9) Any insurance provided by or guaranteed by government; or(10) Flood insurance pursuant to the federal Flood Disaster Protection Act of 1973, as amended, 42 USC Section 4001, et seq.(1971, P.A. 466, S. 2; P.A. 86-63; P.A. 88-76, S. 1, 10; P.A. 97-125, S. 1, 9.)History: P.A. 86-63 provided that certain types of flood insurance shall not be subject to the provisions of chapter 687; P.A. 88-76 excepted financial guaranty insurance from the provisions of this chapter; Sec. 38-274 transferred to Sec. 38a-837 in 1991; P.A. 97-125 reorganized section by expending types of excepted insurance and adding Subdiv. designators, effective July 1, 1997.Cited. 217 C. 371.
CT Gen Stat § 38a-839. (Formerly Sec. 38-276) (2020)
2020 Connecticut General Statutes|Title 38a - Insurance|Chapter 704a - Insurance Guaranty Funds|Section 38a-839. (Formerly Sec. 38-276) - Connecticut Insurance Guaranty Association created. Membership. Function. Accounts.

 There is created a nonprofit unincorporated legal entity to be known as the Connecticut Insurance Guaranty Association. All insurers defined as member insurers in section 38a-838 shall be members of said association as a condition of their authority to transact insurance in this state. Said association shall perform its functions under a plan of operation established and approved under section 38a-842 and shall exercise its powers through a board of directors established under section 38a-840. For the purposes of administration and assessment, said association shall be divided into three separate accounts: (1) The workers' compensation insurance account; (2) the automobile insurance account; and (3) an account for all other insurance to which sections 38a-836 to 38a-853, inclusive, apply.(1971, P.A. 466, S. 4; P.A. 79-376, S. 63; P.A. 87-290, S. 2, 8; P.A. 10-5, S. 38; P.A. 11-19, S. 17.)History: P.A. 79-376 substituted “workers' compensation” for “workmen's compensation”; P.A. 87-290 made a technical change, substituting reference to 38-275(8) for reference to Sec. 38-275(6); Sec. 38-276 transferred to Sec. 38a-839 in 1991; P.A. 10-5 made technical changes, effective May 5, 2010; P.A. 11-19 made a technical change.Annotation to former section 38-276:Cited. 215 C. 224.Annotation to present section:Cited. 217 C. 371.
CT Gen Stat § 38a-840. (Formerly Sec. 38-277) (2020)
2020 Connecticut General Statutes|Title 38a - Insurance|Chapter 704a - Insurance Guaranty Funds|Section 38a-840. (Formerly Sec. 38-277) - Board of directors. Selection. Reimbursement for expenses.

 (a) The board of directors of said association shall consist of not less than five nor more than nine persons serving terms as established in the plan of operation under section 38a-842. The members of the board of directors shall be selected by member insurers subject to the approval of the commissioner. Vacancies on the board shall be filled for the remaining period of the term by a majority vote of the remaining members, subject to the approval of the commissioner. If no members are selected within sixty days after October 1, 1971, the commissioner may appoint the initial members of the board of directors.(b) In approving selections to said board, the commissioner shall consider among other things whether all member insurers are fairly represented.(c) Members of said board shall receive no compensation as such but shall be reimbursed from the assets of said association for actual and necessary expenses incurred by them in carrying out their official duties as members of the board of directors.(1971, P.A. 466, S. 5; P.A. 81-83, S. 2; P.A. 10-5, S. 39.)History: P.A. 81-83 required that vacancies on the board be filled by majority vote of remaining members rather than “in the same manner as initial appointments” under Subsec. (1); Sec. 38-277 transferred to Sec. 38a-840 in 1991; P.A. 10-5 made technical changes, effective May 5, 2010.
CT Gen Stat § 38a-847. (Formerly Sec. 38-284) (2020)
2020 Connecticut General Statutes|Title 38a - Insurance|Chapter 704a - Insurance Guaranty Funds|Section 38a-847. (Formerly Sec. 38-284) - Association subject to examination and regulation by commissioner. Annual financial report.

 Said association shall be subject to examination and regulation by the commissioner. The board of directors shall submit, not later than March thirtieth of each year, a financial report for the preceding calendar year in a form approved by the commissioner.(1971, P.A. 466, S. 12.)History: Sec. 38-284 transferred to Sec. 38a-847 in 1991.
CT Gen Stat § 38a-848. (Formerly Sec. 38-285) (2020)
2020 Connecticut General Statutes|Title 38a - Insurance|Chapter 704a - Insurance Guaranty Funds|Section 38a-848. (Formerly Sec. 38-285) - Exemption from fees and taxes. Exception.

 Said association shall be exempt from payment of all fees and all taxes levied by the state or any of its subdivisions provided it shall not be exempt from the payment of real or personal property taxes.(1971, P.A. 466, S. 13.)History: Sec. 38-285 transferred to Sec. 38a-848 in 1991.
CT Gen Stat § 38a-849. (Formerly Sec. 38-286) (2020)
2020 Connecticut General Statutes|Title 38a - Insurance|Chapter 704a - Insurance Guaranty Funds|Section 38a-849. (Formerly Sec. 38-286) - Rates and premiums to include recoupment of assessments.

 Section 38a-849 is repealed, effective July 1, 2000.(1971, P.A. 466, S. 14; P.A. 00-174, S. 82, 83.)
CT Gen Stat § 38a-850. (Formerly Sec. 38-287) (2020)
2020 Connecticut General Statutes|Title 38a - Insurance|Chapter 704a - Insurance Guaranty Funds|Section 38a-850. (Formerly Sec. 38-287) - No liability for action taken in performance of powers and duties. No liability for failure to act.

 There shall be no liability on the part of and no cause of action of any nature shall arise against any member insurer, said association or its agents or employees, the board of directors, or any person serving as an alternate or substitute representative of any director or the commissioner or his representatives for any action taken or any failure to act by them in the performance of their powers and duties under sections 38a-836 to 38a-853, inclusive.(1971, P.A. 466, S. 15; P.A. 97-125, S. 7, 9.)History: Sec. 38-287 transferred to Sec. 38a-850 in 1991; P.A. 97-125 extended “no liability” provision to any person serving as an alternate or substitute representative of any director, and to any failure to act, effective July 1, 1997.Sanctions imposed by workers' compensation commissioner that obligated association to pay an amount of money constitute a “liability” under section, and section therefore affords association immunity from those sanctions. 298 C. 620.
CT Gen Stat § 38a-851. (Formerly Sec. 38-288) (2020)
2020 Connecticut General Statutes|Title 38a - Insurance|Chapter 704a - Insurance Guaranty Funds|Section 38a-851. (Formerly Sec. 38-288) - Association rights in proceedings to which insolvent insurer is party. Access to insolvent insurer's records.

 (a) All proceedings in which an insolvent insurer is a party or is obligated to defend an insured as a party in any court in this state shall be stayed for up to six months and for such additional time thereafter as may be determined by the court from the date of declaration of insolvency or from the time an ancillary proceeding is instituted in the state, whichever is later, to permit proper defense by said association of all pending causes of action in the case. Whenever any covered claims arise from a judgment under any decision, verdict or finding based on the default of an insolvent insurer or based on such insolvent insurer's failure to defend an insured, said association, either on its own behalf or on behalf of such insured, may apply to have such judgment, order, decision, verdict or finding set aside by the same court or administrator that made such judgment, order, decision, verdict or finding and said association may defend against any such claim on the merits of the case.(b) The liquidator, receiver or statutory successor of an insolvent insurer covered by sections 38a-836 to 38a-853, inclusive, shall permit access by the board or its authorized representative to such insolvent insurer's records which the board determines are necessary for the board to carry out its functions under said sections 38a-836 to 38a-853, inclusive, with regard to covered claims. The liquidator, receiver or statutory successor shall provide the board or its representative with copies of such records upon the request of the board.(1971, P.A. 466, S. 16; P.A. 81-83, S. 6; P.A. 86-403, S. 80, 132; P.A. 97-125, S. 8, 9.)History: P.A. 81-83 required that proceedings be stayed for up to six months and for additional time as determined by the court, eliminating requirement of stay of 60 days from insolvency determination; P.A. 86-403 made technical change; Sec. 38-288 transferred to Sec. 38a-851 in 1991; P.A. 97-125 designated existing provisions as Subsec. (a) and added Subsec. (b) re access to insolvent insurer's records, effective July 1, 1997.
CT Gen Stat § 38a-852. (Formerly Sec. 38-288a) (2020)
2020 Connecticut General Statutes|Title 38a - Insurance|Chapter 704a - Insurance Guaranty Funds|Section 38a-852. (Formerly Sec. 38-288a) - Prohibited unfair trade practice.

 It shall be a prohibited unfair trade practice and a violation of section 38a-815 for any person to make use in any manner of the protection afforded by sections 38a-836 to 38a-853, inclusive, in the solicitation, negotiation, procurement or effectuation of insurance provided, this section shall not apply to the distribution of any publication approved by the commissioner and describing the general purposes and current limitations of sections 38a-836 to 38a-853, inclusive. Violations of this section shall be subject to the provisions of section 38a-817.(P.A. 85-105, S. 1; P.A. 92-60, S. 22.)History: Sec. 38-288a transferred to Sec. 38a-852 in 1991; P.A. 92-60 included the provisions of this section as a violation of Sec. 38a-815 and excluded its effect from the distribution of publications approved by the insurance commissioner describing the general purposes or current limitations of the Connecticut Insurance Guaranty Association Act.