reglab/housing_qa huggingface dataset:
NC Gen Stat § 58-36-43 (2021)
2021 North Carolina General Statutes|Chapter 58 - Insurance|Article 36 - North Carolina Rate Bureau.|§ 58-36-43 - Optional program enhancements authorized not altering coverage under Rate Bureau jurisdiction.

 58-36-43. Optional program enhancements authorized not altering coverage under Rate Bureau jurisdiction.(a) Member companies writing private passenger automobile or homeowners' insurance under this Article may incorporate optional enhancements to their automobile and homeowners' programs as an endorsement to an automobile or homeowners' policy issued under this Article if the insurer has filed the proposed enhancement with the Commissioner and if the proposed enhancement is approved by the Commissioner. Any approved optional enhancements shall be considered outside the authority of the Rate Bureau. If the proposed enhancement will include an additional premium charge, the proposed premium charge shall be included with the proposed program enhancements filed with the Commissioner. The Commissioner shall review the proposed premium charges and approve them if the Commissioner finds that they are based on sound actuarial principles. Amendments to private passenger automobile or homeowners' program enhancements are subject to the same requirements as initial filings. Neither the acceptance, renewal of a policy, nor any underwriting rating criteria shall be conditioned by a company upon the acceptance by the policyholder of any optional automobile or homeowners' enhancements. A rate amendment authorized by this section is not a rate deviation and is not subject to the requirements for rate deviations set forth in G.S. 58-36-30(a).(b) Insurers shall utilize statistical codes outlined by their statistical organization in reporting premiums and losses resulting from program enhancements filed under this section. Those statistical codes shall be substantially different than the codes utilized for data collected for rate-making purposes in order to avoid commingling of the data.  (2015-146, s. 5.)
NC Gen Stat § 58-36-44 (2021)
2021 North Carolina General Statutes|Chapter 58 - Insurance|Article 36 - North Carolina Rate Bureau.|§ 58-36-44 - Development of policy form or endorsement for personal liability insurance for foster parents.

 58-36-44. Development of policy form or endorsement for personal liability insurance for foster parents.(a) The Rate Bureau shall develop an optional policy form or endorsement to be filed with the Commissioner for approval no later than May 1, 2016, that provides liability insurance for foster parents licensed under Article 1A of Chapter 131D of the General Statutes to provide foster care in a family foster home or therapeutic foster home. The policy form or endorsement shall provide coverage for acts or omissions of the foster parent while the parent is acting in the foster parent's capacity as a foster parent in a licensed family foster home or therapeutic foster home licensed under Article 1A of Chapter 131D of the General Statutes.(b) Nothing in this section is intended to require that the liability insurance policy or endorsement required by this section cover an act or omission that results from any action or inaction of gross negligence, willful and wanton conduct, or intentional wrongdoing that results in injury to the child.  (2015-135, s. 3.1.)
NC Gen Stat § 58-36-45 (2021)
2021 North Carolina General Statutes|Chapter 58 - Insurance|Article 36 - North Carolina Rate Bureau.|§ 58-36-45 - Notice of coverage or rate change.

 58-36-45. Notice of coverage or rate change.Whenever an insurer changes the coverage other than at the request of the insured or changes the premium rate, it shall give the insured written notice of such coverage change or premium rate change at least 15 days in advance of the effective date of such change or changes with a copy of such notice to the agent. This section shall apply to all policies and coverages subject to the provisions of this Article except workers' compensation insurance and employers' liability insurance written in connection therewith. (1977, c. 828, s. 6; 1985, c. 666, s. 4.)
NC Gen Stat § 58-36-50 (2021)
2021 North Carolina General Statutes|Chapter 58 - Insurance|Article 36 - North Carolina Rate Bureau.|§ 58-36-50 - Limitation.

 58-36-50. Limitation.Nothing in this Article shall apply to any town or county farmers mutual fire insurance association restricting its operations to not more than six adjacent counties in this State, or to domestic insurance companies, associations, orders or fraternal benefit societies now doing business in this State on the assessment plan. (1977, c. 828, s. 6; 1985 (Reg. Sess., 1986), c. 1013, s. 10.1; 1989, c. 485, s. 53.)
NC Gen Stat § 58-36-55 (2021)
2021 North Carolina General Statutes|Chapter 58 - Insurance|Article 36 - North Carolina Rate Bureau.|§ 58-36-55 - Policy forms.

 58-36-55. Policy forms.No policy form applying to insurance on risks or operations covered by this Article may be delivered or issued for delivery unless it has been filed with the Commissioner by the Bureau and either he has approved it, or 90 days have elapsed and he has not disapproved it. (1979, c. 824, s. 6.)
NC Gen Stat § 58-36-60 (2021)
2021 North Carolina General Statutes|Chapter 58 - Insurance|Article 36 - North Carolina Rate Bureau.|§ 58-36-60 - Payment of dividends not prohibited or regulated; plan for payment into rating system.

 58-36-60. Payment of dividends not prohibited or regulated; plan for payment into rating system.Nothing in this Article will be construed to prohibit or regulate the payment of dividends, savings, or unabsorbed premium deposits allowed or returned by insurers to their policyholders, members, or subscribers. Individual policyholder loss experience may be considered as a factor in determining dividends for workers' compensation insurance and employers' liability insurance written in connection therewith. A plan for the payment of dividends, savings, or unabsorbed premium deposits allowed or returned by insurers to their policyholders, members, or subscribers will not be deemed a rating plan or system. (1979, c. 824, s. 6; 1983, c. 374, s. 1.)
NC Gen Stat § 58-36-80 (2021)
2021 North Carolina General Statutes|Chapter 58 - Insurance|Article 36 - North Carolina Rate Bureau.|§ 58-36-80 - Coverage for damage to rental vehicles authorized.

 58-36-80. Coverage for damage to rental vehicles authorized.As used in this section, "property damage" means damage or loss to a rented vehicle in excess of two hundred fifty dollars ($250.00), including loss of use and any costs or expenses incident to the damage or loss, for which the renter is legally obligated to pay; and "rented" means rented on a daily rate basis for a period of 21 consecutive days or less. The Bureau is authorized to promulgate rates and policy forms for insurance against property damage to rented private passenger motor vehicles. Such coverage may be offered at the option of the individual member companies of the Bureau. (1989, c. 631, s. 1; 1989 (Reg. Sess., 1990), c. 1021, s. 10.)
NC Gen Stat § 58-36-87 (2021)
2021 North Carolina General Statutes|Chapter 58 - Insurance|Article 36 - North Carolina Rate Bureau.|§ 58-36-87 - Affiliate transfer of policies.

 58-36-87. Affiliate transfer of policies.Delivery by an insurer of a policy superseding a policy previously issued by the insurer at the end of the previously issued policy period is not a refusal to renew when it is delivered by:(1) The same insurer; or(2) An affiliate or subsidiary, as those terms are defined in G.S. 58-19-5, that has a financial strength rating, issued by an industry-recognized independent insurance rating company, which financial strength rating is at least as good as the insurer issuing the superseded policy. The provisions of G.S. 58-36-110 and G.S. 58-36-85 apply to the affiliate or subsidiary as if it were the same insurer issuing the policy.  (2015-264, s. 44.5(a); 2016-78, s. 6.2.)
NC Gen Stat § 58-36-95 (2021)
2021 North Carolina General Statutes|Chapter 58 - Insurance|Article 36 - North Carolina Rate Bureau.|§ 58-36-95 - Use of nonoriginal crash repair parts.

 58-36-95. Use of nonoriginal crash repair parts.(a) As used in this section, the following definitions apply:(1) "Insurer" includes any person authorized to represent an insurer with respect to a claim.(2) "Nonoriginal crash repair part" refers to sheet metal and/or plastic parts - generally components of the exterior of a motor vehicle - that are not manufactured by or for the original equipment manufacturer of the vehicle.(b) An insurer shall disclose to a claimant in writing, either on the estimate or on a separate document attached to the estimate, the following in no smaller than ten point type: "THIS ESTIMATE HAS BEEN PREPARED BASED ON THE USE OF AUTOMOBILE PARTS NOT MADE BY THE ORIGINAL MANUFACTURER. PARTS USED IN THE REPAIR OF YOUR VEHICLE MADE BY OTHER THAN THE ORIGINAL MANUFACTURER ARE REQUIRED TO BE AT LEAST EQUIVALENT IN TERMS OF FIT, QUALITY, PERFORMANCE, AND WARRANTY TO THE ORIGINAL MANUFACTURER PARTS THEY ARE REPLACING."(c) It is a violation of G.S. 58-3-180 for an automobile repair facility or parts person to place a nonoriginal crash repair part, nonoriginal windshield, or nonoriginal auto glass on a motor vehicle and to submit an invoice for an original repair part.(d) Any insurer or other person who has reason to believe that fraud has occurred under this section shall report that fraud to the Commissioner for further action pursuant to G.S. 58-2-160. (2003-395, s. 2; 2006-105, s. 1.6.)
NC Gen Stat § 58-36-110 (2021)
2021 North Carolina General Statutes|Chapter 58 - Insurance|Article 36 - North Carolina Rate Bureau.|§ 58-36-110 - Notice of nonrenewal, premium rate increase, or change in workers' compensation insurance coverage required.

 58-36-110. Notice of nonrenewal, premium rate increase, or change in workers' compensation insurance coverage required.(a) No insurer shall refuse to renew a policy of workers' compensation insurance or employers' liability insurance written in connection with a policy of workers' compensation insurance except in accordance with the provisions of this section, and any nonrenewal attempted or made that is not in compliance with this section is not effective. This section does not apply if the policyholder has obtained insurance elsewhere, has accepted replacement coverage, or has requested or agreed to nonrenewal.(b) An insurer may refuse to renew a policy that has been written for a term of one year or less at the policy's expiration date by mailing written notice of nonrenewal to the insured not less than 45 days prior to the expiration date of the policy.(c) An insurer may refuse to renew a policy that has been written for a term of more than one year or for an indefinite term at the policy anniversary date by mailing written notice of nonrenewal to the insured not less than 45 days prior to the anniversary date of the policy.(d) Whenever an insurer lowers coverage limits, raises deductibles, or raises premium rates for reasons within the exclusive control of the insurer or other than at the request of the policyholder, the insurer shall mail to the policyholder written notice of the change at least 30 days in advance of the effective date of the change. As used in this subsection, the phrase, "reasons within the exclusive control of the insurer" does not mean experience modification changes, exposure changes, or loss cost rate changes.(e) The notice required by this section shall be given by mail to the insured and any other person designated in the policy to receive this notice at their addresses shown in the policy or, if not indicated in the policy, at their last known addresses. The notice of nonrenewal shall state the precise reason for nonrenewal. Failure to send this notice, as provided in this section, to any other person designated in the policy to receive this notice invalidates the nonrenewal only as to that other person's interest.(f) Copies of the notice required by this section shall also be sent to the agent or broker of record, though failure to send copies of the notice to such persons shall not invalidate the nonrenewal.(g) Mailing copies of the notice by regular first-class mail satisfies the notice requirements of this section. (2001-241, s. 2.)
NC Gen Stat § 58-36-115 (2021)
2021 North Carolina General Statutes|Chapter 58 - Insurance|Article 36 - North Carolina Rate Bureau.|§ 58-36-115 - Prohibitions on using inquiries to terminate a policy, refuse to issue or renew a policy, or to subject a policy to consent to rate.

 58-36-115. Prohibitions on using inquiries to terminate a policy, refuse to issue or renew a policy, or to subject a policy to consent to rate.An insurer writing residential real property insurance subject to this Article shall not terminate an existing policy or any coverage under an existing policy, refuse to write a policy, refuse to renew a policy, or subject a policy to consent to rate as specified in G.S. 58-36-30(b) based solely on either of the following:(1) An inquiry about policy provisions that does not result in a claim; or(2) A claim that was closed without payment, provided the notice of loss that was the subject of the claim was only an inquiry regarding policy provisions, and no claim for payment was requested by the insured or a third party. (2004-111, s. 1.)
NC Gen Stat § 58-36-120 (2021)
2021 North Carolina General Statutes|Chapter 58 - Insurance|Article 36 - North Carolina Rate Bureau.|§ 58-36-120 - Public notice of certain filings.

 58-36-120. Public notice of certain filings.Whenever the North Carolina Rate Bureau files for an increase in insurance rates for residential property insurance, the Bureau shall give public notice in at least two newspapers with statewide distribution and in the North Carolina Register, within 10 business days after the filing, which notice shall state that the Commissioner may or may not schedule and conduct a hearing with respect to the filing. The same information shall be posted on the Web site for the North Carolina Rate Bureau and the North Carolina Department of Insurance Web site within three days after the filing. The requirements of this section shall not apply to filings proposing changes as to forms, relativities, and classifications that are filed at no increase in the overall rate level.  (2009-472, s. 5.)
NC Gen Stat § 58-37-5 (2021)
2021 North Carolina General Statutes|Chapter 58 - Insurance|Article 37 - North Carolina Motor Vehicle Reinsurance Facility.|§ 58-37-5 - North Carolina Motor Vehicle Reinsurance Facility; creation; membership.

 58-37-5. North Carolina Motor Vehicle Reinsurance Facility; creation; membership.There is created a nonprofit unincorporated legal entity to be known as the North Carolina Motor Vehicle Reinsurance Facility consisting of all insurers licensed to write and engaged in writing within this State motor vehicle insurance or any component thereof. Every such insurer, as a prerequisite to further engaging in writing such insurance in this State, shall be a member of the Facility and shall be bound by the rules of operation thereof as provided for in this Article and as promulgated by the Board of Governors. No company may withdraw from membership in the Facility unless it ceases to write motor vehicle insurance in this State or ceases to be licensed to write such insurance. (1973, c. 818, s. 1; 1983, c. 416, s. 6.)
NC Gen Stat § 58-37-10 (2021)
2021 North Carolina General Statutes|Chapter 58 - Insurance|Article 37 - North Carolina Motor Vehicle Reinsurance Facility.|§ 58-37-10 - Obligations after termination of membership.

 58-37-10. Obligations after termination of membership.Any company whose membership in the Facility has been terminated by withdrawal shall, nevertheless, with respect to its business prior to midnight of the effective date of such termination continue to be governed by this Article. (1973, c. 818, s. 1.)
NC Gen Stat § 58-37-15 (2021)
2021 North Carolina General Statutes|Chapter 58 - Insurance|Article 37 - North Carolina Motor Vehicle Reinsurance Facility.|§ 58-37-15 - Insolvency.

 58-37-15. Insolvency.Any unsatisfied net liability to the Facility of any insolvent member shall be assumed by and apportioned among the remaining members in the Facility in the same manner in which assessments are apportioned by the Facility. The Facility shall have all rights allowed by law in behalf of the remaining members against the estate or funds of such insolvent for sums due the Facility in accordance with this Article. (1973, c. 818, s. 1; 1977, c. 828, s. 12.)
NC Gen Stat § 58-37-20 (2021)
2021 North Carolina General Statutes|Chapter 58 - Insurance|Article 37 - North Carolina Motor Vehicle Reinsurance Facility.|§ 58-37-20 - Merger, consolidation or cession.

 58-37-20. Merger, consolidation or cession.When a member has been merged or consolidated into another insurer, or has reinsured its entire motor vehicle liability insurance business in the State with another insurer, such company or its successor in interest shall remain liable for all obligations hereunder and such company and its successor in interest and the other insurers with which it has been merged or consolidated shall continue to participate in the Facility according to the rules of operation. (1973, c. 818, s. 1; 1977, c. 828, s. 13.)
NC Gen Stat § 58-37-30 (2021)
2021 North Carolina General Statutes|Chapter 58 - Insurance|Article 37 - North Carolina Motor Vehicle Reinsurance Facility.|§ 58-37-30 - General obligations of agents.

 58-37-30. General obligations of agents.(a) Except as otherwise provided in this Article, no licensed agent of an insurer authorized to solicit and accept premiums for motor vehicle insurance or any component thereof by the company he represents shall refuse on behalf of said company to accept any application from an eligible risk for such insurance and to immediately bind the coverage applied for and for a period of not less than six months if cession of the particular coverage and coverage limits applied for are permitted in the Facility, provided the application is submitted during the agent's normal business hours, at his customary place of business and in accordance with the agent's customary practices and procedures. The commission paid on the insurance coverages provided in this Article shall not be less than the commission on insurance coverage written through the North Carolina Insurance Plan on May 1, 1973. The same commission shall apply uniformly statewide.(b) It shall be the responsibility of the agent to write the coverage applied for at what he believes to be the appropriate rate level. If coverage is written at the Facility rate level and the company elects not to cede, the policy shall be rated at a rate under Article 36 of this Chapter. Coverage written at a rate under Article 36 of this Chapter that is not acceptable to the company must either be placed with another company or rated at the Facility rate level by the agent. (1973, c. 818, s. 1; 1977, c. 828, s. 11; 1995, c. 517, s. 23.)
NC Gen Stat § 58-37-45 (2021)
2021 North Carolina General Statutes|Chapter 58 - Insurance|Article 37 - North Carolina Motor Vehicle Reinsurance Facility.|§ 58-37-45 - Procedure for cession provided in plan of operation.

 58-37-45. Procedure for cession provided in plan of operation.Upon receipt by the company of a risk which it does not elect to retain, the company shall follow such procedures for ceding the risk as are established by the plan of operation. (1973, c. 818, s. 1; 1977, c. 828, s. 22.)
NC Gen Stat § 58-37-50 (2021)
2021 North Carolina General Statutes|Chapter 58 - Insurance|Article 37 - North Carolina Motor Vehicle Reinsurance Facility.|§ 58-37-50 - Termination of insurance.

 58-37-50. Termination of insurance.No member may terminate insurance to the extent that cession of a particular type of coverage and limits is available under the provisions of this Article except for the following reasons:(1) Nonpayment of premium when due to the insurer or producing agent.(2) The named insured has become a nonresident of this State and would not otherwise be entitled to insurance on submission of new application under this Article.(3) A member company has terminated an agency contract for reasons other than the quality of the agent's insureds or the agent has terminated the contract and such agent represented the company in taking the original application for insurance.(4) When the insurance contract has been cancelled pursuant to a power of attorney given a company licensed pursuant to the provisions of G.S. 58-35-5.(5) The named insured, at the time of renewal, fails to meet the requirements contained in the corporate charter, articles of incorporation, and/or bylaws of the insurer, when the insurer is a company organized for the sole purpose of providing members of an organization with insurance policies in North Carolina.(6) The named insured is no longer an eligible risk under G.S. 58-37-1. (1973, c. 818, s. 1; 1979, c. 497; 2007-443, s. 2.)
NC Gen Stat § 58-37-55 (2021)
2021 North Carolina General Statutes|Chapter 58 - Insurance|Article 37 - North Carolina Motor Vehicle Reinsurance Facility.|§ 58-37-55 - Exemption from requirements of this Article of companies and their agents.

 58-37-55. Exemption from requirements of this Article of companies and their agents.The Board of Governors may exempt a company and its agents from the requirements of this Article, insofar as new business is concerned. The Board may further exempt a company and its agents from the requirements of this Article regarding the selling and servicing a particular category of business, if the company is not qualified to service the business. (1973, c. 818, s. 1; 1977, c. 828, s. 23.)
NC Gen Stat § 58-37-60 (2021)
2021 North Carolina General Statutes|Chapter 58 - Insurance|Article 37 - North Carolina Motor Vehicle Reinsurance Facility.|§ 58-37-60 - Physical damage insurance availability.

 58-37-60. Physical damage insurance availability.No physical damage insurer shall refuse to make physical damage coverage available to any applicant for the reason that such applicant has, or may acquire, auto liability insurance through the Facility plan as provided herein; further that no such insurer may levy a surcharge or increased rate for such physical damage coverage on the basis that such applicant has, or may acquire, auto liability insurance through the Facility plan as provided herein.Any insurer or representative thereof who fails to comply with or violates this section shall be subject to suspension or revocation of his certificate or license and shall be subject to the provisions of G.S. 58-2-70. (1973, c. 818, s. 1; 1985, c. 666, s. 37.)
NC Gen Stat § 58-38-1 (2021)
2021 North Carolina General Statutes|Chapter 58 - Insurance|Article 38 - Readable Insurance Policies.|§ 58-38-1 - Title.

 58-38-1. Title.This Article is known and may be cited as the "Readable Insurance Policies Act." (1979, c. 755, s. 1.)
NC Gen Stat § 58-38-5 (2021)
2021 North Carolina General Statutes|Chapter 58 - Insurance|Article 38 - Readable Insurance Policies.|§ 58-38-5 - Purpose.

 58-38-5. Purpose.The purpose of this Article is to provide that insurance policies and contracts be readable by a person of average intelligence, experience, and education. All insurers are required by this Article to use policy and contract forms and, where applicable, benefit booklets that are written in simple and commonly used language, that are logically and clearly arranged, and that are printed in a legible format. (1979, c. 755, s. 1.)