reglab/housing_qa huggingface dataset:
NY Ins L § 3430 (2021)
2021 New York Laws ISC - Insurance Article 34 - Insurance Contracts-Property/casualty 3430 - Right of Insured, Agent or Broker Aggrieved on Basis of Geographical Location of Property or Risks.

§  3430.  Right  of  insured,  agent  or  broker aggrieved on basis of geographical location of property or risks. (a) An insured aggrieved  by an inability to obtain:  (1)  homeowner's  insurance,  including  fire  insurance  or  fire and extended coverage insurance, other  than  from  the  New  York  property insurance underwriting association, or  (2)  automobile  insurance  subject  to  section  three  thousand four hundred twenty-five of this article, other than  through  the  New  York automobile insurance plan, from any insurer or through any insurance agent or broker because of the geographical  location  of  the  risk  or property within the state or a licensed agent or broker whose contract or account was terminated or not renewed because of the geographical location of the agent or  broker  or the  geographical  location  of  the  risks  within  the state for which coverage is afforded through the agent or broker and the  grievance  was not  the  result  of the application of sound underwriting and actuarial principles reasonably related to actual or anticipated  loss  experience may  file  a  complaint to that effect with the superintendent on a form prescribed by him.  (b) The superintendent shall investigate  the  complaint  pursuant  to rules and regulations promulgated by him. In addition to any other power or  procedure authorized by this chapter, the superintendent may require the physical inspection of the risk or property or hold  a  hearing,  or both,  for  the  purpose  of  assisting  him in his determination of the issues raised by the complaint.
NY Ins L § 3431 (2021)
2021 New York Laws ISC - Insurance Article 34 - Insurance Contracts-Property/casualty 3431 - Immunity; Insurers' Reports to Insureds, to Applicants for Insurance and to Terminated Agents or Brokers.

§  3431.  Immunity;  insurers'  reports to insureds, to applicants for insurance and to terminated agents or brokers. (a) In any written notice of:  (1) refusal to issue,  (2) cancellation,  (3) reduction of limits,  (4) substitution of policy form,  (5) elimination of coverages,  (6) conditioned renewal,  (7) non-renewal, or  (8) termination or refusal  to  renew  a  contract  or  account  of  a licensed  agent  or  broker,  or  in  any  other  communication, oral or written, specifying the reasons for  such  action,  there  shall  be  no liability  on  the  part  of, and no cause of action of any nature shall arise against any insurer, its authorized  representatives,  agents,  or employees or any licensed agent or broker for any statement made in good faith  by any of them or for providing information pertaining thereto or for statements made or evidence submitted at any hearings in  connection therewith.  (b)  Subsection  (a) hereof shall provide immunity with respect to all obligations and duties performed pursuant  to  sections  three  thousand four  hundred twenty-five, three thousand four hundred twenty-six, three thousand four  hundred  twenty-nine  and  three  thousand  four  hundred thirty-three of this article.  (c) Notwithstanding subsection (a) hereof in the case of any statement made  pursuant to section three thousand four hundred twenty-six of this article, there shall be no liability unless the statement  is  shown  to have been in bad faith and with malice in fact.
NY Ins L § 3432 (2021)
2021 New York Laws ISC - Insurance Article 34 - Insurance Contracts-Property/casualty 3432 - Immunity; Reports to Certain Public Officials and to Designated Organizations.

§   3432.  Immunity;  reports  to  certain  public  officials  and  to designated organizations. (a) In the absence  of  fraud  or  bad  faith, there  shall  be  no liability on the part of, and no cause of action of any nature shall arise against, an insurer or a hospital or  any  person acting on their behalf, with respect to obligations and duties performed pursuant to the sections referred to in subsection (b) hereof.  (b) The immunity shall apply to:  (1) reports and statements, made in good faith, to the commissioner of motor vehicles required by subsection (l) of section three thousand four hundred eleven of this article;  (2)    information,    reports,   notification   and   assistance   in investigations, made in the absence of fraud or bad faith,  pursuant  to section  three  thousand  four  hundred  twelve of this article and this immunity  extends  to  a  central   organization   designated   by   the superintendent  pursuant  to  such  section  or any person acting on its behalf;  (3) reports required by section three hundred fifteen of this chapter, made in good faith (which shall be presumed)  and  without  malice,  and this immunity includes any liability, civil or criminal;  (4)  information, reports, assistance in investigations, notification, made in the absence of  fraud  or  bad  faith,  to  any  authorized  law enforcement  agency  pursuant  to section three hundred nineteen of this chapter, and this immunity, civil or criminal, extends to an  authorized law  enforcement  agency defined in such section or any person acting on its behalf; and  (5) reports  required  by  section  three  hundred  eighteen  of  this chapter,  made  in  the  absence  of  fraud  or  bad faith, to a central organization designated by the superintendent, and this immunity extends to the central organization or any person acting on its behalf.  (6) information required by the insurer or provided by the insurer  in the  absence  of fraud or bad faith to a local fire investigation agency pursuant to section three thousand four hundred fifteen of this article.
NY Ins L § 3433 (2021)
2021 New York Laws ISC - Insurance Article 34 - Insurance Contracts-Property/casualty 3433 - Termination of Contracts or Accounts of Licensed Agents or Brokers; Prohibition; Geographical Location.

§  3433.  Termination  of  contracts or accounts of licensed agents or brokers;  prohibition;  geographical  location.  (a)  No  insurer  shall terminate  or  refuse to renew a contract or account of a licensed agent or broker who negotiated policies of:  (1) fire insurance or fire and extended coverage insurance or  (2) automobile  insurance  subject  to  section  three  thousand  four hundred  twenty-five of this article when such termination or refusal to renew is based solely on the  geographical  location  of  the  agent  or broker or of the risks for which coverage is afforded through such agent or broker.  (b)  The  superintendent  shall  by  regulation  establish  procedures requiring notification to  such  agents  or  brokers  of  the  insurer's specific  reason  or  reasons  for  termination  or refusal to renew the agent's or broker's contract or account.
NY Ins L § 3434 (2021)
2021 New York Laws ISC - Insurance Article 34 - Insurance Contracts-Property/casualty 3434 - Motor Vehicle Insurance Policies; Disabled Persons; Prohibitions Against Cancelling, Refusing to Issue or Renew Policies.

§   3434.   Motor   vehicle   insurance  policies;  disabled  persons;   prohibitions against cancelling, refusing to issue  or  renew  policies.   Insurers  shall  be  prohibited  from cancelling or refusing to issue or   renew a motor vehicle insurance policy to any person with a  disability,   as  defined  in subdivision twenty-one of section two hundred ninety-two   of the executive law, unless based on sound underwriting  and  actuarial   principles reasonably related to actual or anticipated loss experience.
NY Ins L § 3435 (2021)
2021 New York Laws ISC - Insurance Article 34 - Insurance Contracts-Property/casualty 3435 - Group Property/casualty Insurance.

§ 3435. Group property/casualty insurance.  (a)  This section shall apply to public entities as defined in section one hundred seven of this chapter, organizations  described  by  section 501(c)(3)  of  the  United  States  internal  revenue  code,  charitable corporations as defined in paragraph (a)  of  section  one  hundred  two (Definitions)  of the not-for-profit corporation law and formed pursuant to paragraph (a) of  section  two  hundred  one  of  the  not-for-profit corporation  law,  and  organizations  described  by section two hundred sixteen-a of the education law.  (b)  Notwithstanding  any  other  provision  of  this  chapter,  group coverage for homogeneous groups formed for purposes other than obtaining insurance  may  be approved, subject to regulations to be promulgated by the superintendent, for the kinds of insurance permitted  in  subsection (c)  of  this  section, provided such policies shall be available to all eligible members of such group upon application.  (c) Group policies may be written pursuant to this section for any  of the  kinds  of  insurance  authorized  by  subsection (a) of section one thousand one hundred thirteen of  this  chapter,  except  the  kinds  of insurance  authorized by paragraphs one, two, three, sixteen, seventeen, eighteen, twenty-one, twenty-two, twenty-three and twenty-five  of  such subsection.  (d)  Group  policies  approved  pursuant  to this section shall not be eligible for the filing exemptions specified  in  section  six  thousand three hundred one of this chapter.
NY Ins L § 3435-A (2021)
2021 New York Laws ISC - Insurance Article 34 - Insurance Contracts-Property/casualty 3435-A - Motor Vehicle Insurance Policies; New York State Licensed Drivers; Prohibitions Against Refusing to Issue Policies or Renew Policies.

§  3435-a.  Motor  vehicle insurance policies; New York state licensed drivers; prohibitions  against  refusing  to  issue  policies  or  renew policies.  (a)  Insurers  shall be prohibited from refusing to issue a motor vehicle liability insurance policy to any person with a valid  New York state driver's license which has been maintained by such person for at  least  thirty-nine  months prior to the time of application for such policy of insurance solely on the basis that such person has  not  owned or leased a vehicle during such period, unless such decision is based on sound underwriting and actuarial principles reasonably related to actual or  anticipated  loss  experience.  Provided, however, that an applicant demonstrating  a  continuous,  valid  out-of-state   or   out-of-country driver's  license  during  such  thirty-nine  month period due to active service in the United States army, navy, air force, or marines shall  be treated  as  if continuous licensing had been maintained in New York and such person shall not be rejected based solely on the fact  that  he  or she served in the military.  (b)  Insurers  shall  be prohibited from refusing to renew an existing motor vehicle liability insurance policy solely upon the  basis  of  the named  insured having reached sixty years of age and shall be prohibited for the purpose of policy renewal from requesting a physical examination or medical questionnaire solely on the basis of the named insured having reached sixty years of age  unless  such  decision  is  based  on  sound underwriting  and  actuarial  principles reasonably related to actual or anticipated loss experience.  (c) Insurers shall be prohibited from refusing to  renew  an  existing motor  vehicle  liability  insurance policy solely upon the basis of the age of the motor vehicle to be insured unless such decision is based  on sound underwriting and actuarial principles reasonably related to actual or anticipated loss experience.
NY Ins L § 3439 (2021)
2021 New York Laws ISC - Insurance Article 34 - Insurance Contracts-Property/casualty 3439 - Reinsurance Contracts Excepted.

§ 3439. Reinsurance contracts excepted. The provisions of this article   shall  not  apply  to  contracts  of  reinsurance,  except  as otherwise   provided by law.
NY Ins L § 3443 (2021)
2021 New York Laws ISC - Insurance Article 34 - Insurance Contracts-Property/casualty 3443 - Workers' Compensation and Employers' Liability Insurance; Optional Policyholder Deductibles.

§  3443.  Workers'  compensation  and  employers' liability insurance; optional  policyholder  deductibles.  An  insurer  issuing  a   workers' compensation  and  employers'  liability  insurance  policy, and a group self-insurer  for  municipal  corporations  as  defined  in  subdivision three-a of section fifty of the workers' compensation law, may offer, as part  of  the  policy  or  by  endorsement,  deductibles optional to the policyholder for benefits payable under the policy, subject to  approval by  the  superintendent  and  subject  to  underwriting  by the insurer, consistent with the following standards or factors:  (a) claimants' rights are properly protected and  claimants'  benefits are paid without regard to any such deductible;  (b)  appropriate  premium reductions reflect the type and level of any deductible  approved  by  the  superintendent  and   selected   by   the policyholder;  (c)   premium   reductions   for  deductibles  are  determined  before application  of  any  experience  modification,  premium  surcharge,  or premium discount;  (d)  recognition  is  given to policyholder characteristics, including size, financial  capabilities,  nature  of  activities,  and  number  of employees;  (e)  if  the  policyholder  selects  a deductible, the policyholder is liable to the insurer for the deductible amount in  regard  to  benefits paid for compensable claims;  (f)  the  insurer  pays  all of the deductible amount, applicable to a compensable claim, to the person or provider entitled  to  benefits  and then  seeks  reimbursement  from  the  policyholder  for  the applicable deductible amount; and  (g) failure to reimburse deductible amounts by the policyholder to the insurer is treated under the policy in the same manner as nonpayment  of premiums.
NY Ins L § 3444 (2021)
2021 New York Laws ISC - Insurance Article 34 - Insurance Contracts-Property/casualty 3444 - Flood Insurance Notice.

§  3444.  Flood  insurance  notice. 1. Insurers shall provide to their   homeowners and dwelling fire personal lines insureds  an  annual  notice   prescribed  or approved by the superintendent, explaining clearly and in   plain language that: (a) such policies do not provide coverage for  loss   caused  by  mudslide  or  flood;  and  (b)  insurance is available under   separate policies issued in accordance with the National Flood Insurance   Program, 42 U.S.C. § 4001 et seq., including information regarding flood   insurance eligibility and access.2. The policyholder notice required by this  section  shall  accompany   all  new  homeowners  and  dwelling fire personal lines policies and all   renewal homeowners and dwelling fire policies.
NY Ins L § 3445 (2021)
2021 New York Laws ISC - Insurance Article 34 - Insurance Contracts-Property/casualty 3445 - Windstorm Insurance Notice.

§  3445.  Windstorm  insurance  notice.  The  superintendent  shall by   regulation  establish  disclosure  requirements  with  respect  to   the   operation  of  any  deductible  in  a  homeowner's  insurance  policy or   dwelling fire personal lines policy which applies as  the  result  of  a   windstorm.  Such  regulations shall prescribe the form of a notice to be   provided by an insurer to an insured. The notice shall explain in  clear   and plain language the amount of the deductible, the circumstances under   which   the   deductible   applies  and  any  other  matters  which  the   superintendent, in his  or  her  discretion,  shall  deem  necessary  or   appropriate.
NY Ins L § 3447 (2021)
2021 New York Laws ISC - Insurance Article 34 - Insurance Contracts-Property/casualty 3447 - Qualification of Environmental Remediation Insurance for Tax Credit.

§  3447.  Qualification of environmental remediation insurance for tax credit.  (a)  The  superintendent  of  financial  services   is   hereby authorized  to  promulgate  regulations relating to the certification of policies of insurance which qualify for  the  environmental  remediation insurance  tax credit provided for under section twenty-three of the tax law. Such tax credit shall only apply against a portion of  the  premium paid for coverage provided under subsection (b) of this section.  (b)  In  order  to qualify for the environmental remediation insurance tax credit provided for under section twenty-three of the tax  law,  the insurance  must  be  written  pursuant  to  the  provisions of paragraph thirteen or fourteen of subsection  (a)  of  section  one  thousand  one hundred  thirteen  of  this  chapter  and  contain  any of the following coverages  or  substantially  similar  coverages   or   combination   of coverages:  (1)  coverage  for  the  costs  of  on-site  clean-up  of pre-existing pollution conditions from the insured property  which  are  outside  the scope  of  the  remedial  work  plan  pursuant to section 27-1411 of the environmental conservation law for such insured property;  (2) coverage for third-party claims  for  on-site  bodily  injury  and property damage resulting from pre-existing pollution conditions outside the scope of such remedial work plan for the insured property;  (3)  coverage which caps clean-up costs relating to such remedial work plan; and  (4) coverage for the costs of state  re-openers  pursuant  to  section 27-1421  of  the environmental conservation law or modifications to such remedial work plan to fill any gap in any liability limitation  provided pursuant  to  section  27-1421 of the environmental conservation law for environmental conditions.
NY Ins L § 3448 (2021)
2021 New York Laws ISC - Insurance Article 34 - Insurance Contracts-Property/casualty 3448 - Involuntary Unemployment Insurance Policies.

§  3448.  Involuntary  unemployment  insurance  policies.  (a) In this section,  the  term  "policy  of  involuntary  unemployment   insurance" includes  any  policy  covering  the  kind  of  insurance  described  in paragraph thirty of subsection (a) of section one thousand  one  hundred thirteen of this chapter.  (b)  A  policy  of  involuntary  unemployment  insurance  shall not be subject to section three thousand  four  hundred  twenty-five  or  three thousand four hundred twenty-six of this article.  (c)   The   superintendent   may   promulgate   regulations  regarding involuntary unemployment insurance policies, including, but not  limited to, regulations governing policy terms and conditions, and may establish other reasonable limitations.
NY Ins L § 3450 (2021)
2021 New York Laws ISC - Insurance Article 34 - Insurance Contracts-Property/casualty 3450 - Insurance for Expenses Incurred as a Result of an Act or Threatened Act of Violence.

§  3450.  Insurance  for  expenses  incurred  as a result of an act or threatened act of violence. (a) Insurance authorized by subparagraph (D) of paragraph seven of subsection (a) of section one thousand one hundred thirteen of this chapter  may  be  written  only  as  provided  in  this section,  except  for  ransom or reward payment coverage incurred as the result of the theft of property.  (b) As part of a homeowners' insurance policy, as such term is defined in section two thousand three hundred  fifty-one  of  this  chapter,  or motor  vehicle  physical damage insurance policy, an insurer may provide insurance for loss to any person as the result of an act  or  threatened act of violence against an insured person.  (c) For purposes of this section, an "insured person" may include:  (1) with respect to a homeowners' policy, a member of the household, a minor  under  the custody or care of the named insured, or a minor child of the named insured, regardless of where  the  act  or  threatened  act occurs;  or  a  person  on  the  insured premises, or any other premises within the temporary control of the  named  insured,  or  in  a  vehicle owned, operated, leased or rented by the named insured.  (2)  with  respect  to a motor vehicle policy, a person engaged in the lawful use or operation of the vehicle.  (d) "Loss" for purposes of this section shall include loss  or  damage to  property;  reimbursement  of  a  deductible  under another policy of property/casualty  insurance;  ransom  or  reward  payment;  travel  and lodging  expense;  lost  wages; expense incurred to locate or identify a missing or abducted insured person; or other expenses to  respond  to  a violent act or threatened act or to prevent a reoccurrence thereof.  (e)  A  policy written pursuant to this section providing coverage for loss to any person as the result of an act or threatened act of violence against an insured person may also provide coverage for medical expenses to any such person incurred as a result of the act or threatened act  of violence.  For  purposes  of  this subsection, coverage for such medical expenses shall be deemed included in  medical,  hospital,  surgical  and disability  benefits  to injured persons, and funeral and death benefits to dependents, beneficiaries or personal representatives of persons  who are killed, irrespective of legal liability of the insured as authorized by  paragraph  thirteen  of  subsection  (a) of section one thousand one hundred thirteen of this chapter.  (f)  The  superintendent  may  promulgate  regulations  necessary   to effectuate the purposes of this section.
NY Ins L § 3451-2 (2021)
2021 New York Laws ISC - Insurance Article 34 - Insurance Contracts-Property/casualty 3451*2 - Regulations.

* §  3451.  Regulations.  Notwithstanding  any other provision of this   article or article twenty-three of this  chapter,  and  subject  to  the   superintendent's approval of the rates and forms in accordance with such   article,  the  superintendent  may promulgate regulations authorizing an   insurer licensed to write workers' compensation and employers' liability   insurance, as defined in paragraph fifteen of subsection (a) of  section   one  thousand  one hundred thirteen of this chapter, to provide coverage   as afforded under article six-G of the executive  law  in  a  manner  to   effectuate the intent and purposes of such article.* NB There are 2 § 3451's
NY Ins L § 3456 (2021)
2021 New York Laws ISC - Insurance Article 34 - Insurance Contracts-Property/casualty 3456 - Prohibition Against Cancellation of Policy When Motor Vehicle Is Used or Operated Through a Transportation Network Company Program.

§  3456. Prohibition against cancellation of policy when motor vehicle is used or operated through a transportation  network  company  program. (a)  An  insurer  shall  not  cancel an existing motor vehicle insurance policy solely on the  basis  that  the  motor  vehicle  covered  by  the insurance  has  been made available pursuant to a transportation network company program in compliance with article forty-four-B of  the  vehicle and traffic law.  (b)  The  definitions set forth in section three thousand four hundred fifty-five of this article shall apply to this section.