reglab/housing_qa huggingface dataset:
WY Stat § 26-22-503 (2021)
2021 Wyoming Statutes|Title 26 - Insurance Code|Chapter 22 - Hospital or Medical Service Insurance and Prepaid Health Service Plans|Article 5 - Health Care Reimbursement Reform|Section 26-22-503 - Policies With Incentives or Limits on Reimbursement Authorized; Conditions.

26-22-503. Policies with incentives or limits on reimbursement authorized; conditions.| (a) Notwithstanding any other provision of law to the contrary:  (i) Any provider may enter into a written agreement with any group or insurer relating to health care services which may be rendered to insureds, including amounts to be charged the insured for services rendered;  (ii) Any group or insured may contract with insurers to issue policies which:  (A) Include incentives for the insured;  (B) Limit reimbursement for health care services.  (iii) Before entering into any written agreement under paragraph (a)(i) of this section, the group or insurer shall establish terms and conditions to be required of any provider interested in entering into the agreement. In no event shall the established terms and conditions discriminate against any Wyoming provider nor shall any Wyoming provider willing to meet the established terms and conditions be denied the right to enter into any written agreement;  (iv) This section shall not be construed to expand the scope of coverage as defined by any agreement.  (b) In no event may an insurer deny or limit reimbursement to an insured under this article on the grounds that the insured was not referred to the provider by a person acting on behalf of or under an agreement with the insurer.  (c) Any group may contract with an insurer, preferred provider organization or health maintenance organization for provision of medical services outside of Wyoming for the insureds of that group, provided the insureds are not restricted from utilizing any Wyoming provider who provides the same health care services.
WY Stat § 26-22-504 (2021)
2021 Wyoming Statutes|Title 26 - Insurance Code|Chapter 22 - Hospital or Medical Service Insurance and Prepaid Health Service Plans|Article 5 - Health Care Reimbursement Reform|Section 26-22-504 - Refusal to Contract or Compensate for Covered Services.

26-22-504. Refusal to contract or compensate for covered services.| An insurer shall not refuse to contract with or compensate for covered services an otherwise eligible health care provider solely because that provider has in good faith communicated with one (1) or more of his current, former or prospective patients regarding the provisions, terms or requirements of the insurer's products as they related to the needs of that provider's patients.
WY Stat § 26-22-505 (2021)
2021 Wyoming Statutes|Title 26 - Insurance Code|Chapter 22 - Hospital or Medical Service Insurance and Prepaid Health Service Plans|Article 5 - Health Care Reimbursement Reform|Section 26-22-505 - Dental Insurance; Limitation on Fee Schedules for Noncovered Services; Definition; Applicability.

26-22-505. Dental insurance; limitation on fee schedules for noncovered services; definition; applicability.| (a) No person or entity contracting with dentists to provide coverage or reimbursement for dental services shall require a dentist to provide services at a fee set by the contract, a policy or a certificate unless the services are covered services by the terms of the contract, policy or certificate.  (b) For purposes of this section, "covered services" means services reimbursable under the contract, policy or certificate, subject to customary contractual limitations on benefits including such items as deductibles, waiting periods, frequency limitations or charges over the benefit maximum.  (c) This section shall apply to contracts, policies or certificates issued, renewed, delivered or issued for delivery in this state on or after July 1, 2011.
WY Stat § 26-23-101 (2021)
2021 Wyoming Statutes|Title 26 - Insurance Code|Chapter 23 - Casualty Insurance, Surety Insurance and Title Insurance|Article 1 - Property Insurance Contracts|Section 26-23-101 - Overinsurance Prohibited.

26-23-101. Overinsurance prohibited.| (a) No person shall buy insurance on property within this state for an amount which, together with any existing insurance, exceeds the fair value of the property or of the interest of the insured therein. This provision does not apply as to insurance of replacement value.  (b) Anyone who willfully violates this section is subject to the penalties provided in W.S. 26-1-107.
WY Stat § 26-23-102 (2021)
2021 Wyoming Statutes|Title 26 - Insurance Code|Chapter 23 - Casualty Insurance, Surety Insurance and Title Insurance|Article 1 - Property Insurance Contracts|Section 26-23-102 - Adjuster's Reports of Overinsurance and Causes of Fire; Reports Deemed Privileged Communications.

26-23-102. Adjuster's reports of overinsurance and causes of fire; reports deemed privileged communications.| (a) Any adjuster who investigates any property loss claim in this state shall report to the commissioner in writing any overinsurance of the property he discovers.  (b) Any adjuster who investigates any property fire loss in this state shall report in writing to the commissioner the origin and cause of the fire, so far as he can reasonably ascertain them, together with any circumstances which in his opinion may indicate fraud or attempted fraud.  (c) Any report submitted to the commissioner under this section, together with any accompanying information, document, record or statement, is an absolutely privileged communication. The report may be disclosed as authorized by and in accordance with the provisions of W.S. 26-2-113(d).
WY Stat § 26-23-103 (2021)
2021 Wyoming Statutes|Title 26 - Insurance Code|Chapter 23 - Casualty Insurance, Surety Insurance and Title Insurance|Article 1 - Property Insurance Contracts|Section 26-23-103 - Return of Excess Premium in Certain Cases of Total Destruction.

26-23-103. Return of excess premium in certain cases of total destruction.| If the insured property is totally destroyed and the total amount of loss is less than the total amount insured thereon as to the hazard causing the loss, the insurer shall return to the insured at the time of payment of the loss the amount of premiums paid under the policy then in force for the excess of insurance over the fair value of the property at the time of the loss. This section does not apply to insurance of replacement value.
WY Stat § 26-23-104 (2021)
2021 Wyoming Statutes|Title 26 - Insurance Code|Chapter 23 - Casualty Insurance, Surety Insurance and Title Insurance|Article 1 - Property Insurance Contracts|Section 26-23-104 - Terms of Policies; Extension.

26-23-104. Terms of policies; extension.| (a) No insurer shall issue a policy insuring property in this state for a term longer than five (5) years.  (b) The term of any such policy may be extended by certificate as provided in W.S. 26-15-121.
WY Stat § 26-23-105 (2021)
2021 Wyoming Statutes|Title 26 - Insurance Code|Chapter 23 - Casualty Insurance, Surety Insurance and Title Insurance|Article 1 - Property Insurance Contracts|Section 26-23-105 - Exemptions.

26-23-105. Exemptions.| W.S. 26-23-101(a), 26-23-102 and 26-23-103 do not apply to insurance on stocks of merchandise or property of fluctuating values, if the reduced rate contribution clause is made a part of the policy. This chapter does not apply to wet marine and transportation insurance.
WY Stat § 26-23-106 (2021)
2021 Wyoming Statutes|Title 26 - Insurance Code|Chapter 23 - Casualty Insurance, Surety Insurance and Title Insurance|Article 1 - Property Insurance Contracts|Section 26-23-106 - Use of Insurance Support Organizations Limited.

26-23-106. Use of insurance support organizations limited.| This section shall apply if an insurer uses for underwriting purposes for insurance policies information from a report provided by, or database maintained by, an insurance support organization, or consumer reporting agency, related to the premises that is the subject of the application or to the person applying for insurance. Failure of the insurer, within forty-five (45) calendar days of issuing a binder, to act upon the information referenced in this section precludes the insurer from declining insurance coverage or terminating a binder of insurance coverage based on the information. Notwithstanding any other law, an insurer may decline or terminate insurance coverage based on the condition of the premises as determined through a physical inspection of the premises. This section applies only to homeowner's insurance and does not apply to a policy renewal.
WY Stat § 26-23-107 (2021)
2021 Wyoming Statutes|Title 26 - Insurance Code|Chapter 23 - Casualty Insurance, Surety Insurance and Title Insurance|Article 1 - Property Insurance Contracts|Section 26-23-107 - Cancellation and Nonrenewal of Homeowner's Insurance Policies for Natural Causes Restricted.

26-23-107. Cancellation and nonrenewal of homeowner's insurance policies for natural causes restricted.| (a) No homeowner's insurance policy shall be denied renewal as a result of a single claim within a three (3) year period arising from natural causes.  (b) No homeowner's insurance policy shall be cancelled during its term as a result of any claim arising from natural causes.  (c) As used in this section "natural cause" means an act occasioned exclusively by the violence of nature where all human agency is excluded from creating or contributing to the cause of the damage or injury.  (d) Any insurer which violates the provisions of this section shall be subject to the procedures and penalties provided under this code. Following the procedures in this code, the commissioner may order the reinstatement, with no lapse in coverage, of any policy cancelled or nonrenewed in violation of this section.
WY Stat § 26-23-108 (2021)
2021 Wyoming Statutes|Title 26 - Insurance Code|Chapter 23 - Casualty Insurance, Surety Insurance and Title Insurance|Article 1 - Property Insurance Contracts|Section 26-23-108 - Restrictions on Underwriting for Homeowner Policies.

26-23-108. Restrictions on underwriting for homeowner policies.| (a) No insurer shall cancel, refuse to renew or offer to renew at a higher premium a homeowner's insurance policy based in any manner upon the claims history of a named insured unless the claims history excludes customer inquiries. Customer inquiries are defined as telephone calls or other requests for information made by the named insured or a person who would be a named insured under the policy, that reference the terms, conditions or coverage afforded under an insurance contract and do not result in claims being filed or paid.  (b) Any insurer which violates the provisions of this section shall be subject to the procedures and penalties provided under this code. Following the procedures in this code, the commissioner may order the reinstatement, with no lapse in coverage, of any policy cancelled or nonrenewed in violation of this section. If the commissioner finds a policy was renewed at a higher premium in violation of this section he may order the return of any unauthorized increase in premium together with interest at a rate of ten percent (10%) per year.
WY Stat § 26-23-201 (2021)
2021 Wyoming Statutes|Title 26 - Insurance Code|Chapter 23 - Casualty Insurance, Surety Insurance and Title Insurance|Article 2 - Casualty and Surety Insurance Contracts|Section 26-23-201 - Casualty and Surety Contracts Subject to Provisions of Code.

26-23-201. Casualty and surety contracts subject to provisions of code.| (a) The following insurance contracts covering subjects of insurance resident, located or to be performed in this state are subject to the applicable provisions of chapter 15 and to other applicable provisions of this code:  (i) Casualty insurance contracts; and  (ii) Surety insurance contracts.
WY Stat § 26-23-301 (2021)
2021 Wyoming Statutes|Title 26 - Insurance Code|Chapter 23 - Casualty Insurance, Surety Insurance and Title Insurance|Article 3 - Title Insurance|Section 26-23-301 - Short Title.

26-23-301. Short title.| This article is known and may be cited as the "Wyoming Title Insurance Act".
WY Stat § 26-23-302 (2021)
2021 Wyoming Statutes|Title 26 - Insurance Code|Chapter 23 - Casualty Insurance, Surety Insurance and Title Insurance|Article 3 - Title Insurance|Section 26-23-302 - Applicability of Article; Construction With Other Laws.

26-23-302. Applicability of article; construction with other laws.| (a) This article applies to all title insurers, title insurance rating organizations, title agents, applicants for title insurance, title insurance policyholders, and all persons engaged in title insurance transactions in this state.  (b) Except as otherwise expressly provided in this article, and except where the context otherwise requires, all provisions of this code applying to insurance and insurance companies generally apply to title insurance and title insurance companies.  (c) Nothing in this article shall be construed to authorize the practice of law by any person who is not admitted to practice law in this state nor shall it be construed to authorize the commissioner to regulate the practice of law.
WY Stat § 26-23-304 (2021)
2021 Wyoming Statutes|Title 26 - Insurance Code|Chapter 23 - Casualty Insurance, Surety Insurance and Title Insurance|Article 3 - Title Insurance|Section 26-23-304 - Corporate Form Required.

26-23-304. Corporate form required.| No person other than a domestic, foreign or alien title insurer organized on the stock plan and licensed under this code shall transact title insurance business as an insurer in this state.
WY Stat § 26-23-305 (2021)
2021 Wyoming Statutes|Title 26 - Insurance Code|Chapter 23 - Casualty Insurance, Surety Insurance and Title Insurance|Article 3 - Title Insurance|Section 26-23-305 - Title Insurers; Authorized Activities.

26-23-305. Title insurers; authorized activities.| (a) Each title insurer may:  (i) Engage in the title insurance business in this state if licensed to do so by the commissioner;  (ii) Subject to the limitations of this article, provide any other service related or incidental to the sale and transfer of property; or  (iii) Conduct its operations on a direct basis through a branch office located within the state without using a title agent.
WY Stat § 26-23-306 (2021)
2021 Wyoming Statutes|Title 26 - Insurance Code|Chapter 23 - Casualty Insurance, Surety Insurance and Title Insurance|Article 3 - Title Insurance|Section 26-23-306 - Limitations on Powers.

26-23-306. Limitations on powers.| (a) An insurer that transacts any class or kind of insurance other than title insurance is not eligible for a license to transact the business of title insurance in this state, nor for the renewal thereof, nor shall title insurance be transacted, underwritten or issued by any insurer transacting or licensed to transact any other kind of insurance.  (b) An insurer shall not engage in the business of guaranteeing payment of the principal or the interest of bonds or mortgages.  (c) An insurer shall not engage in the business of guaranteeing the obligations of other persons other than issuing insured closing letters covering its agents in the normal course of business.
WY Stat § 26-23-307 (2021)
2021 Wyoming Statutes|Title 26 - Insurance Code|Chapter 23 - Casualty Insurance, Surety Insurance and Title Insurance|Article 3 - Title Insurance|Section 26-23-307 - Single Risk Limitation.

26-23-307. Single risk limitation.| (a) The net retained liability of a title insurer for a single risk on property located in this state, whether assumed directly or as reinsurance, shall not exceed fifty percent (50%) of the sum of its total surplus to policyholders and reinsurance reserve, less the value assigned to title plants, as shown in the insurer's most recent annual statement on file in the commissioner's office.  (b) The commissioner may waive the limitation of this section for a particular risk upon application of the insurer and for good cause shown.
WY Stat § 26-23-308 (2021)
2021 Wyoming Statutes|Title 26 - Insurance Code|Chapter 23 - Casualty Insurance, Surety Insurance and Title Insurance|Article 3 - Title Insurance|Section 26-23-308 - Underwriting Standards; Record Retention.

26-23-308. Underwriting standards; record retention.| (a) No title insurance policy as to property in this state shall be written unless it is based upon adequate evidence of the current condition of title certified in writing as of the date of the policy by a person duly authorized under W.S. 33-2-101 to act as a title abstractor in the county where the property is situated, or based upon the opinion of an attorney authorized to practice law in this state as to the condition of the title following a review by the attorney of pertinent title records or abstracts. Evidence of the examination of title and determination of insurability shall be preserved and retained in the files of the title insurer or its title agent for a period of not less than fifteen (15) years after the title insurance policy has been issued. Instead of retaining the original evidence, the title insurer or title agent, in the regular course of business, may establish a system whereby all or part of the evidence is recorded, copied or reproduced by any process that accurately and legibly reproduces or forms a durable medium for reproducing the contents of the original. This subsection does not apply to a title insurer:  (i) Assuming liability through a contract of reinsurance; or  (ii) Acting as coinsurer if one (1) of the other coinsuring title insurers has complied with this section.  (b) Except as allowed by regulations the commissioner promulgates, no title insurer or title agent shall knowingly issue any title insurance policy or commitment to insure without showing all outstanding, enforceable, recorded liens or other interests against the property, title to which is to be insured.
WY Stat § 26-23-309 (2021)
2021 Wyoming Statutes|Title 26 - Insurance Code|Chapter 23 - Casualty Insurance, Surety Insurance and Title Insurance|Article 3 - Title Insurance|Section 26-23-309 - Reinsurance Reserve.

26-23-309. Reinsurance reserve.| (a) A domestic title insurer shall establish and maintain a reinsurance reserve computed in accordance with this section, and all sums attributed to that reserve are considered and constitute unearned portions of the original premiums. This reserve shall be reported as a liability of the title insurer in its financial statements.  (b) The reinsurance reserve shall be maintained by the title insurer for the protection of holders of title insurance policies. Except as provided in this section, assets equal in value to the reinsurance reserve are not subject to distribution among creditors or stockholders of the title insurer until all claims of policyholders or claims under reinsurance contracts have been paid in full, and all liability on the policies or reinsurance contracts has been paid in full and discharged or lawfully reinsured.  (c) A foreign or alien title insurance company licensed to transact title insurance business in this state shall maintain at least the same reserves on title insurance policies issued on properties located in this state as are required of domestic title insurance companies, unless the laws of the jurisdiction of domicile of the foreign or alien title insurance company require a higher amount.  (d) The reinsurance reserve shall consist of:  (i) The amount of the reinsurance reserve on May 27, 1983; and  (ii) A sum equal to twenty cents ($.20) for each one thousand dollars ($1,000.00) of net retained liability under each title insurance policy on a single risk written on properties located in this state written after May 27, 1983.  (e) Amounts placed in the reinsurance reserve in any year in accordance with paragraph (d)(ii) of this section shall be deducted in determining the net profit of the title insurer for that year.  (f) A title insurer shall release from the reinsurance reserve a sum equal to the appropriate amount as set forth in the most recent National Association of Insurance Commissioners' accounting practices and procedures manual. The amount of the reinsurance reserve or similar unearned premium reserve maintained before July 1, 2001, shall be released in accordance with the law in effect at the time such reserves became effective.
WY Stat § 26-23-310 (2021)
2021 Wyoming Statutes|Title 26 - Insurance Code|Chapter 23 - Casualty Insurance, Surety Insurance and Title Insurance|Article 3 - Title Insurance|Section 26-23-310 - Use of Reinsurance Reserve on Liquidation, Dissolution or Insolvency.

26-23-310. Use of reinsurance reserve on liquidation, dissolution or insolvency.| (a) If a domestic title insurer becomes insolvent, is in the process of liquidation of dissolution or is in the commissioner's possession:  (i) The amount of the assets of the title insurance company equal to the reinsurance reserve then remaining may be used by or with the commissioner's written approval to pay for reinsurance of the title insurer's liability upon all outstanding title insurance policies or reinsurance agreements to the extent to which claims for losses by the holders thereof are not then pending. The balance of assets, if any, equal to the reinsurance reserve may then be transferred to the title insurer's general assets;  (ii) The assets net of the reinsurance reserve shall be available to pay claims for losses sustained by holders of title insurance policies then pending or arising up to the time reinsurance is effected. If claims for losses exceed the title insurer's other assets those claims, when established, shall be paid pro rata out of the surplus assets attributable to the reinsurance reserve, to the extent of the surplus, if any.  (b) If reinsurance is not obtained, assets equal to the reinsurance reserve and assets constituting minimum capital, or so much as remains thereof after outstanding claims have been paid, constitute a trust fund to be held and invested by the commissioner for twenty (20) years, out of which claims of policyholders shall be paid as they arise. The balance, if any, of the trust fund, at the expiration of twenty (20) years, shall revert to the general assets of the title insurer.
WY Stat § 26-23-311 (2021)
2021 Wyoming Statutes|Title 26 - Insurance Code|Chapter 23 - Casualty Insurance, Surety Insurance and Title Insurance|Article 3 - Title Insurance|Section 26-23-311 - Loss and Loss Expense Reserve.

26-23-311. Loss and loss expense reserve.| (a) All title insurers licensed in this state shall establish and maintain reserves against unpaid losses and loss expenses.  (b) Upon receiving notice from or on behalf of the insured of a title defect in or lien or adverse claim against the title of the insured that may result in a loss or cause expense to be incurred in the proper disposition of the claim, the title insurer shall determine the amount to be added to the reserve, which amount shall reflect a careful estimate of the loss or loss expense likely to result by reason of the claim.  (c) Reserves required under this section may be revised from time to time and shall be redetermined at least once each year.
WY Stat § 26-23-312 (2021)
2021 Wyoming Statutes|Title 26 - Insurance Code|Chapter 23 - Casualty Insurance, Surety Insurance and Title Insurance|Article 3 - Title Insurance|Section 26-23-312 - Reinsurance.

26-23-312. Reinsurance.| (a) A title insurer may obtain reinsurance for all or any part of its liability under one (1) or more of its title insurance policies or reinsurance agreements and may also reinsure title insurance policies issued by other title insurers on risks located in this state or elsewhere. Reinsurance on policies issued on properties located in this state must be obtained from title insurers licensed to transact title insurance business in this state.  (b) Upon application by a title insurer, the commissioner may permit the insurer to obtain reinsurance from a title insurer not licensed in this state if:  (i) The title insurer is unable to obtain reinsurance from a title insurer licensed in this state; and  (ii) The capital and surplus of the unlicensed title insurer meet the requirements for licensed companies under this code.