reglab/housing_qa huggingface dataset:
MD. Insurance Code Ann. §  11-409 (2021)
2021 Maryland Statutes|Insurance|Title 11 - Insurance Rating Law|Subtitle 4 - Title Insurance Rating|Section 11-409 - Penalties

    (a)    (1)    If the Commissioner finds that a person has violated a provision of this subtitle, the Commissioner may impose a civil penalty not exceeding $250 for each violation.        (2)    If the Commissioner finds a violation of this subtitle to be willful, the Commissioner may impose a civil penalty not exceeding $1,000 for each violation.        (3)    A penalty imposed under this subsection is in addition to any other penalty provided by law.    (b)    (1)    The Commissioner may suspend the certificate of authority of a title insurer that fails to comply with an order of the Commissioner within the time set by the order or any extension of that time granted by the Commissioner.        (2)    The Commissioner may not suspend the certificate of authority of a title insurer for failure to comply with an order:            (i)    until the time set for an appeal from the order has expired; or            (ii)    if an appeal has been taken, until the order has been affirmed.        (3)    The Commissioner may determine when the suspension of a certificate of authority becomes effective.        (4)    The suspension shall remain in effect for the period set by the Commissioner unless the Commissioner modifies or rescinds the suspension or until the order on which the suspension is based is modified, rescinded, or reversed.    (c)    (1)    Before the Commissioner imposes a penalty or suspends a certificate of authority under this section, the Commissioner shall issue a written order that states the findings of the Commissioner.        (2)    The Commissioner shall hold a hearing before issuing an order under paragraph (1) of this subsection.        (3)    The Commissioner shall give written notice of the hearing to the person at least 10 days before the hearing.        (4)    The notice shall specify the alleged violation.
MD. Insurance Code Ann. §  11-501 (2021)
2021 Maryland Statutes|Insurance|Title 11 - Insurance Rating Law|Subtitle 5 - Hearings and Appeals|Section 11-501 - Scope of Subtitle; Exception

    (a)    (1)    This subtitle governs hearings, orders, and appeals in matters arising under this title.        (2)    Sections 2-210 through 2-215 of this article do not apply to rating and rating organizations.        (3)    Each order, decision, ruling, or finding of the Commissioner under this title is subject to judicial review under this subtitle.    (b)    Notwithstanding subsection (a) of this section, an order, decision, ruling, or finding of the Commissioner under § 11-344 of this title:        (1)    is not subject to judicial review under this subtitle; and        (2)    is subject to judicial review in accordance with § 2-215 of this article.
MD. Insurance Code Ann. §  11-502 (2021)
2021 Maryland Statutes|Insurance|Title 11 - Insurance Rating Law|Subtitle 5 - Hearings and Appeals|Section 11-502 - Hearing Before Commissioner

    (a)    Within 30 days after notice of an order or decision of the Commissioner under this title made without a hearing, an insurer or rating organization aggrieved by the order or decision may make a written request to the Commissioner for a hearing on the order or decision.    (b)    (1)    Within 20 days after receipt of a request for a hearing under subsection (a) of this section, the Commissioner shall hold a hearing on the challenged order or decision.        (2)    The Commissioner shall give written notice of the time and place of the hearing at least 10 days before the hearing.    (c)    (1)    The hearing shall be concluded within 15 days after commencement of the hearing.        (2)    Notwithstanding paragraph (1) of this subsection, on application with notice to the interested parties and for good cause shown, the Commissioner may grant up to an additional 15 days for a hearing to be concluded.    (d)    (1)    Within 20 days after the conclusion of a hearing under this section, the Commissioner shall:            (i)    issue an order that affirms, reverses, or modifies the challenged order or decision; and            (ii)    give a copy of the order to all interested parties.        (2)    The order shall:            (i)    state the Commissioner’s reasons for affirming, reversing, or modifying the challenged order or decision; and            (ii)    contain specific findings of fact by the Commissioner in relation to the matter, that are supported by a preponderance of the evidence on consideration of the record as a whole.        (3)    (i)    Any interested party may file proposed findings of fact with the Commissioner.            (ii)    The Commissioner may accept or reject the proposed findings of fact.    (e)    After a request for a hearing under this section, the Commissioner may suspend or postpone the effective date of the challenged order or decision until the hearing is concluded and the Commissioner issues an order.    (f)    If the Commissioner fails to hold or conclude the hearing or issue an order within the time required under this section, the filing or application at issue is deemed to meet the requirements of this title and is deemed approved.    (g)    This subtitle does not require the observance of formal rules of pleading or evidence at any hearing.
MD. Insurance Code Ann. §  11-503 (2021)
2021 Maryland Statutes|Insurance|Title 11 - Insurance Rating Law|Subtitle 5 - Hearings and Appeals|Section 11-503 - Judicial Review

    (a)    An order or decision of the Commissioner under this title is subject to judicial review by appeal to the Circuit Court for Baltimore City.    (b)    (1)    Within 30 days after the issuance of an order or decision of the Commissioner, an appeal may be commenced by filing a notice of appeal with the Circuit Court for Baltimore City and a copy of the notice of appeal with the Commissioner.        (2)    If an appeal is not commenced under paragraph (1) of this subsection, the right to appeal no longer exists.        (3)    The Commissioner shall be made a party to each appeal under this section.    (c)    (1)    After a copy of the notice of appeal is filed with the Commissioner, the Commissioner shall prepare or cause to be prepared an official record.        (2)    The official record:            (i)    shall be certified by the Commissioner;            (ii)    shall include a copy of:                1.    all proceedings;                2.    the findings and order of the Commissioner; and                3.    a transcript of any testimony and exhibits or records; and            (iii)    may be in typewritten form.        (3)    If a hearing was not held by the Commissioner on the matter that is the subject of the appeal, the Commissioner shall prepare and certify a transcript of the files in the office of the Commissioner relating to the matter.        (4)    Within 30 days after a copy of the notice of appeal is filed with the Commissioner, the Commissioner shall file the official record with the Circuit Court for Baltimore City.    (d)    (1)    Except as provided in paragraph (2) of this subsection, the filing of the notice of appeal acts as a stay of a ruling, order, or decision of the Commissioner pending the final determination of the issue if the ruling, order, or decision relates to an increase or decrease of premiums or rate or to a change in a rating system.        (2)    Paragraph (1) does not apply if the ruling, order, or decision approves or allows a filing of an insurer or rating organization.    (e)    (1)    Within 60 days after the date of the filing of a notice of appeal, the Circuit Court for Baltimore City shall:            (i)    hear and decide the appeal; and            (ii)    affirm, reverse, or modify the order or decision of the Commissioner from which the appeal is taken.        (2)    The Circuit Court for Baltimore City shall reverse or modify the order or decision of the Commissioner wholly or partly if the court finds that the order or decision:            (i)    is not supported by the preponderance of the evidence on consideration of the record as a whole; or            (ii)    is not in accordance with law.    (f)    (1)    An appeal to the Court of Special Appeals may be taken from the decision of the Circuit Court for Baltimore City as in other civil cases.        (2)    The Commissioner shall be made a party to each appeal to the Court of Special Appeals under paragraph (1) of this subsection.
MD. Insurance Code Ann. §  11-602 (2021)
2021 Maryland Statutes|Insurance|Title 11 - Insurance Rating Law|Subtitle 6 - Health Benefit Plan Premium Rate Review|Section 11-602 - Applicability of Subtitle

    This subtitle applies to a carrier that issues or delivers a health benefit plan in the State.
MD. Insurance Code Ann. §  11-604 (2021)
2021 Maryland Statutes|Insurance|Title 11 - Insurance Rating Law|Subtitle 6 - Health Benefit Plan Premium Rate Review|Section 11-604 - Notice to Insureds

    A carrier shall provide notice annually to its insureds and enrollees, and post a notice on the carrier’s Web site, that an insured or enrollee may access information about proposed rate increases and submit comments regarding proposed rate increases on the Administration’s Web site.
MD. Insurance Code Ann. §  11-701 (2021)
2021 Maryland Statutes|Insurance|Title 11 - Insurance Rating Law|Subtitle 7 - Long-Term Care Insurance Premium Rate Review|Section 11-701 - Definitions

    (a)    In this subtitle the following words have the meanings indicated.    (b)    “Carrier” means an insurer, a nonprofit health service plan, or a preferred provider organization that offers, issues, or delivers a policy, contract, or certificate of long–term care insurance in the State.    (c)    “Certificate” has the meaning stated in § 18–101 of this article.    (d)    “Long–term care insurance” has the meaning stated in § 18–101 of this article.
MD. Insurance Code Ann. §  11-702 (2021)
2021 Maryland Statutes|Insurance|Title 11 - Insurance Rating Law|Subtitle 7 - Long-Term Care Insurance Premium Rate Review|Section 11-702 - Information to Be Posted on Web Site

    The Commissioner shall provide information on the Administration’s Web site describing:        (1)    the factors that carriers use to determine premium rates for policies or contracts of long–term care insurance; and        (2)    the process and factors that the Administration uses in reviewing and approving premium rates for policies or contracts of long–term care insurance.
MD. Insurance Code Ann. §  11-703 (2021)
2021 Maryland Statutes|Insurance|Title 11 - Insurance Rating Law|Subtitle 7 - Long-Term Care Insurance Premium Rate Review|Section 11-703 - Commissioner to Approve Rates

    (a)    A carrier may not charge a premium to an insured under a policy or contract of long–term care insurance before the applicable premium rate is filed with and approved by the Commissioner.    (b)    A carrier may not change the premium charged to an insured under a policy or contract of long–term care insurance until the applicable premium rate change has been filed with and approved by the Commissioner.    (c)    (1)    Any applicable premium rate or premium rate change of a carrier shall be filed with the Commissioner in accordance with regulations adopted by the Commissioner.        (2)    (i)    The Commissioner shall disapprove or modify a proposed premium rate filing if the proposed premium rates appear, based on actuarial analysis and reasonable assumptions, to be inadequate, unfairly discriminatory, or excessive in relation to benefits.            (ii)    In determining whether to disapprove or modify a premium rate filing of a carrier, the Commissioner shall consider, to the extent appropriate:                1.    past and prospective loss experience in and outside the State;                2.    underwriting practice and judgment;                3.    a reasonable margin for reserve needs;                4.    past and prospective expenses, both countrywide and those specifically applicable to the State; and                5.    any other relevant factors in and outside the State.        (3)    (i)    Each premium rate filing and any supporting information filed under this subtitle shall be open to public inspection as soon as filed.            (ii)    A carrier may request a finding by the Commissioner that certain information filed with the Commissioner be considered confidential commercial information under § 4–335 of the General Provisions Article and not subject to public inspection.            (iii)    On request and payment of a reasonable fee, a person may obtain copies of a premium rate filing and any supporting information.    (d)    (1)    Except as provided in paragraph (2) of this subsection, at least quarterly, the Commissioner shall hold a public hearing to review long–term care insurance rate filings received by the Commissioner during the preceding 3–month period.        (2)    A public hearing is not required if the Commissioner has not received a long–term care insurance rate filing during the preceding 3–month period.    (e)    The Commissioner shall provide all individuals present at a public hearing held under this subtitle who wish to testify an opportunity to do so, but may limit repetitious testimony.    (f)    Each decision or finding of the Commissioner about premium rates made under this subtitle is subject to judicial review in accordance with Subtitle 5 of this title.
MD. Insurance Code Ann. §  11-704 (2021)
2021 Maryland Statutes|Insurance|Title 11 - Insurance Rating Law|Subtitle 7 - Long-Term Care Insurance Premium Rate Review|Section 11-704 - One-Time Written Notice of Availability of Information on Rate Increases

    (a)    A carrier shall provide a one–time written notice to its insureds that an insured may access information about proposed rate increases on the Administration’s Web site.    (b)    (1)    For a policy or contract issued or delivered on or after January 1, 2018, the one–time written notice shall be provided at the time the policy or contract is issued or delivered.        (2)    For a policy or contract issued or delivered before January 1, 2018, the one–time written notice shall be provided no later than the next policy or contract anniversary date after January 1, 2018.
MD. Insurance Code Ann. §  11-801 (2021)
2021 Maryland Statutes|Insurance|Title 11 - Insurance Rating Law|Subtitle 8 - Travel Insurance Premium Rating Review|Section 11-801 - Travel Insurance

    (a)    In this section, “travel insurance” has the meaning stated in § 10–101 of this article.    (b)    Notwithstanding any other provision of this article, travel insurance shall be classified and filed for purposes of rates and forms under an inland marine line of insurance.    (c)    Travel insurance may be in the form of an individual, a group, or a blanket policy.    (d)    Eligibility and underwriting standards for travel insurance may be developed and provided based on travel protection plans designed for individual or identified marketing or distribution channels if those standards also meet the State’s underwriting standards for inland marine lines of insurance and applicable provisions of § 27–501 of this article.
MD. Insurance Code Ann. §  12-101 (2021)
2021 Maryland Statutes|Insurance|Title 12 - Policy Forms and Provisions|Subtitle 1 - General Provisions|Section 12-101 - Scope of Title

    This title does not apply to reinsurance and wet marine and transportation insurance.
MD. Insurance Code Ann. §  12-102 (2021)
2021 Maryland Statutes|Insurance|Title 12 - Policy Forms and Provisions|Subtitle 1 - General Provisions|Section 12-102 - Standard Provisions

    (a)    Except as provided in subsection (b)(1) of this section, an insurance contract or annuity contract shall contain the standard provisions required under this article.    (b)    (1)    The Commissioner may waive the required use of a provision in an insurance policy or contract form if the Commissioner:            (i)    finds that the provision is unnecessary to protect the insured or is inconsistent with the purposes of the policy; and            (ii)    approves the policy.        (2)    A required standard provision may not be waived by agreement between an insurer and another person.    (c)    (1)    (i)    In this subsection the following words have the meanings indicated.            (ii)    “Carrier” means:                1.    an insurer authorized to sell health insurance;                2.    a nonprofit health service plan;                3.    a health maintenance organization; or                4.    any other entity providing a plan of health insurance, health benefits, or health services authorized under this article or the Affordable Care Act.            (iii)    “Enrollee” means an individual entitled to benefits from a carrier’s health benefit plan.            (iv)    “Health benefit plan” has the meaning stated in § 15–1301 of this article.        (2)    Each health benefit plan issued by a carrier shall include provisions that:            (i)    permit enrollees a minimum of 1 year after the date of service to submit a claim for the service;            (ii)    provide that:                1.    an enrollee’s legal incapacity shall suspend the time to submit a claim; and                2.    the suspension period ends when legal capacity is regained; and            (iii)    provide that the failure to submit a claim within 1 year after the date of service does not invalidate or reduce the amount of the claim if:                1.    it was not reasonably possible to submit the claim within 1 year after the date of service; and                2.    the claim is submitted within 2 years after the date of service.    (d)    The Commissioner may approve a substitute provision in an insurance policy or annuity contract if the provision is not less favorable than the required provision to the insured, annuitant, or beneficiary.    (e)    Instead of a provision required by this article, a foreign insurer or alien insurer may use a substantially similar provision required by the law of the foreign insurer’s or alien insurer’s domicile if the substantially similar provision does not conflict with the law of this State.    (f)    A policy or contract may not contain a provision that is inconsistent with a standard provision used or required to be used.
MD. Insurance Code Ann. §  12-103 (2021)
2021 Maryland Statutes|Insurance|Title 12 - Policy Forms and Provisions|Subtitle 1 - General Provisions|Section 12-103 - Validity and Construction of Noncomplying Conditions or Provisions

    An otherwise valid insurance policy, rider, or endorsement issued after December 31, 1963, with a condition or provision that does not comply with the requirements of this article is not invalid but is to be construed and applied in accordance with the condition or provision that would be applicable if the policy, rider, or endorsement were in full compliance with this article.
MD. Insurance Code Ann. §  12-104 (2021)
2021 Maryland Statutes|Insurance|Title 12 - Policy Forms and Provisions|Subtitle 1 - General Provisions|Section 12-104 - Validity and Effect of Limitations Periods

    (a)    A provision in an insurance contract or surety contract that sets a shorter time to bring an action under or on the insurance contract or surety contract than required by the law of the State when the insurance contract or surety contract is issued or delivered is against State public policy, illegal, and void.    (b)    If an insurance contract or surety contract contains a provision that is illegal under this section:        (1)    a State court may not give effect to the provision; and        (2)    a defense to liability under the insurance contract or surety contract may not be based upon the shorter limitation period.
MD. Insurance Code Ann. §  12-105 (2021)
2021 Maryland Statutes|Insurance|Title 12 - Policy Forms and Provisions|Subtitle 1 - General Provisions|Section 12-105 - Waiver of Policy Provisions or Defenses by Insurers

    Without limitation of any right or defense of an insurer, the following acts by or on behalf of an insurer are not considered to be a waiver of a provision of a policy or of a defense of the insurer under the policy:         (1)    acknowledging the receipt of notice of loss or claim under the policy;        (2)    furnishing a form for:            (i)    reporting a loss or claim;            (ii)    giving information relating to a loss or claim; or            (iii)    making proof of a loss;        (3)    receiving or acknowledging receipt of a form or proof listed in item (2) of this section, completed or uncompleted;        (4)    investigating a loss or claim under a policy; or        (5)    engaging in negotiations toward settlement of a loss or claim.
MD. Insurance Code Ann. §  12-107 (2021)
2021 Maryland Statutes|Insurance|Title 12 - Policy Forms and Provisions|Subtitle 1 - General Provisions|Section 12-107 - Simplified Policies of Insurance

    (a)    Notwithstanding any provision of this article or other law that specifies the content of policies, the Commissioner may approve and insurers may issue simplified policies of insurance that provide broad coverage of all or various combinations of risks.    (b)    The Commissioner shall adopt regulations that:        (1)    specify the standards that must be met by insurers for issuing simplified policies; and        (2)    ensure protections to policyholders and claimants that are not less favorable than protections to which they would be entitled under a substantially similar policy that is not subject to this section.
MD. Insurance Code Ann. §  12-202 (2021)
2021 Maryland Statutes|Insurance|Title 12 - Policy Forms and Provisions|Subtitle 2 - Life and Health Insurance and Annuities|Section 12-202 - Application or Consent Required for Life or Health Insurance Contracts

    (a)    (1)    This subsection does not apply to a contract of group life insurance or group or blanket health insurance.        (2)    Except as provided in subsection (b) of this section, a life insurance or health insurance contract may not be made or put into effect unless at the time of making the contract the individual to be insured:            (i)    is of competent legal capacity to contract; and            (ii)    applies for or consents in writing to the contract.    (b)    (1)    A spouse may put into effect life insurance or health insurance on the other spouse.        (2)    A person with an insurable interest in the life of a minor, or a person on whom the minor is dependent for support and maintenance, may put into effect life insurance on or insurance relating to the minor.        (3)    A family policy that insures two or more family members may be issued on an application signed by a parent, stepparent, husband, or wife.        (4)    A person with an insurable interest in the life of a person who lacks the legal capacity to consent to life insurance may, on written application, put into effect life insurance on that person.    (c)    (1)    If an agreement in an application for a life insurance or health insurance contract authorizes the insurer to issue a policy other than that applied for or to amend the application, the agreement must contain substantially the following language: “Except that no change in amount, classification, plan of insurance, or benefits may take effect unless agreed to in writing by the applicant”.        (2)    Ratification of an amendment under paragraph (1) of this subsection is made by the applicant’s acceptance of the amended contract.