reglab/housing_qa huggingface dataset:
OR Rev Stat § 742.407 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 742 - Insurance Policies Generally; Property and Casualty Policies|Section 742.407 - Prohibition against refusing defense or indemnification of health practitioner or health care facility based on disclosure of adverse event or participation in discussion or mediation.

(1) As used in this section: (a) "Adverse event" means a negative consequence of patient care that is unanticipated, is usually preventable and results in or presents a significant risk of patient injury. (b) "Claim" means a written demand for restitution for an injury alleged to have been caused by the medical negligence of a health practitioner or licensed health care facility. (c) "Health practitioner" means a person described in ORS 31.740 (1). (d) "Patient’s family" includes: (A) A parent, sibling or child by marriage, blood, adoption or domestic partnership. (B) A foster parent or foster child. (2) An insurer may not decline or refuse to defend or indemnify a health practitioner or a health care facility with respect to a claim, for any reason that is based on: (a) The disclosure to the patient or the patient’s family by the health practitioner or facility of an adverse event or information relating to the cause of an adverse event; (b) A notice of adverse health care incident filed under ORS 31.262; or (c) Participation in a discussion or mediation under ORS 31.264 or 31.268. (3) A policy or contract of insurance or indemnity may not include a provision or term excluding or limiting coverage based on: (a) The disclosure to a patient or the patient’s family by a health practitioner or facility of an adverse event or information relating to the cause of an adverse event; (b) A notice of adverse health care incident filed under ORS 31.262; or (c) Participation in a discussion or mediation under ORS 31.264 or 31.268. (4) An insurer may establish requirements and policy provisions for coverage of payments of compensation made under ORS 31.264 or as a result of a mediation under ORS 31.268. Requirements and policy provisions established under this subsection may not be intended to or have the effect of preventing meaningful participation in discussions and mediations under ORS 31.264 and 31.268. (5) An insurer may not provide or be required to provide information related to an adverse health care incident as defined in ORS 31.260 for credentialing purposes. [Formerly 743.056; 2021 c.271 §4] Note: 742.407 was added to and made a part of the Insurance Code by legislative action but was not added to ORS chapter 742 or any series therein. See Preface to Oregon Revised Statutes for further explanation.
OR Rev Stat § 742.422 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 742 - Insurance Policies Generally; Property and Casualty Policies|Section 742.422 - License requirement for conducting business as discount medical plan organization.

(1) A person may not conduct business as or purport to conduct business as a discount medical plan organization unless the person first obtains a license to operate as a discount medical plan organization from the Director of the Department of Consumer and Business Services in accordance with ORS 742.426. (2) The license requirement set forth in subsection (1) of this section does not apply to an insurer that offers a discount medical plan. [2007 c.272 §3] Note: See note under 742.420.
OR Rev Stat § 742.424 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 742 - Insurance Policies Generally; Property and Casualty Policies|Section 742.424 - Requirement for contract with provider; contents of contract; retention of record.

(1) A discount medical plan organization shall have a written contract or other written agreement with all providers or provider networks that the organization includes or purports to include in a discount medical plan, or with an entity that contracts with or enters into an agreement with a provider network on the organization’s behalf. (2) The contract or other agreement between a discount medical plan organization and a provider must include: (a) A list of the medical and ancillary services included in the discount medical plan; (b) The provider’s discount rate or rates or a schedule that reflects the provider’s fixed or discounted prices for the medical and ancillary services subject to the discount medical plan; and (c) A provision in which the provider agrees not to charge plan members more for medical and ancillary services than the amount listed in the provider’s price schedule or an amount that reflects the application of the provider’s discount rate. (3) The contract or other agreement between a discount medical plan organization and a provider network, or between an entity and a provider network when the entity contracts with or enters into an agreement with a provider network on the organization’s behalf, shall require the provider network to have written agreements with providers that, in addition to meeting the requirements of subsection (2) of this section: (a) Authorize the provider network to contract with or enter into an agreement with the discount medical plan organization or the entity on behalf of the provider; and (b) Require the provider network to maintain an up-to-date list of the providers that are part of the provider network and to provide the updated list each month to the discount medical plan organization. (4) A discount medical plan organization shall retain copies of the contracts or agreements and other documents described in this section at all times during which the organization operates in this state. [2007 c.272 §4] Note: See note under 742.420.
OR Rev Stat § 742.428 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 742 - Insurance Policies Generally; Property and Casualty Policies|Section 742.428 - Duties of licensee.

A licensee shall: (1) Notify the Director of the Department of Consumer and Business Services immediately whenever the licensee’s license or other form of authority to operate as a discount medical plan organization in another jurisdiction is suspended, revoked or not renewed in that jurisdiction. (2) Describe in a notice to the director any change in the name, address or contact information of the discount medical plan organization provided in the application under ORS 742.426 within 30 days after making the change. [2007 c.272 §6] Note: See note under 742.420.
OR Rev Stat § 742.430 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 742 - Insurance Policies Generally; Property and Casualty Policies|Section 742.430 - License term; renewal; rules.

A license obtained under ORS 742.426 is effective for one year, or for a longer period if the Director of the Department of Consumer and Business Services so prescribes by rule. The director shall prescribe by rule conditions and procedures under which a licensee may renew a license that has expired. [2007 c.272 §7] Note: See note under 742.420.
OR Rev Stat § 742.432 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 742 - Insurance Policies Generally; Property and Casualty Policies|Section 742.432 - Duties of discount medical plan organization.

A discount medical plan organization shall establish or provide, in connection with every discount medical plan: (1) A 30-day period in which new plan members may review the discount medical plan and decide whether to continue or to cancel the plan for any reason. The discount medical plan organization shall provide to a member who cancels a discount medical plan within the 30-day period a full and unconditional refund for any fees, service or subscription charges, dues or other consideration the member paid, except that the discount medical plan organization may retain the amount of any one-time processing fee that is less than an amount established by the Director of the Department of Consumer and Business Services by rule. The 30-day period begins on the day following the date on which the member completed any application for the plan or the day following the date on which the member paid any fees, service or subscription charges, dues or other consideration, whichever is later. (2) A standard set of procedures by which a new plan member may obtain a refund under subsection (1) of this section. (3) A toll-free telephone line and an Internet website. The toll-free telephone line must enable plan members to contact the discount medical plan organization with questions and requests for assistance. The website must list all providers in the organization’s provider network, and the organization must provide the same information to plan members in writing upon request. (4) Disclosures, in writing in a font not less than 12 points in size and on the first content page of advertisements, marketing materials or brochures made available to the public and relating to a discount medical plan, that: (a) The discount medical plan is not insurance; and (b) Plan members must pay for all medical and ancillary services, but will receive a discount from providers. [2007 c.272 §8] Note: See note under 742.420.
OR Rev Stat § 742.434 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 742 - Insurance Policies Generally; Property and Casualty Policies|Section 742.434 - Prohibited activities.

(1) A person may not use or disseminate in marketing, advertising, promotional, sales or plan documents or other informational materials for discount medical plans or in communications with plan members or prospective plan members: (a) Misleading, deceptive or false statements; or (b) The terms "health plan," "coverage," "copay," "copayments," "deductible," "preexisting condition," "guaranteed issue," "premium," "preferred provider organization" or other terms in a manner that could reasonably mislead an individual into believing that the discount medical plan is insurance. (2) For the purposes of subsection (1) of this section, "misleading, deceptive or false statements" includes, but is not limited to, statements that: (a) Are misleading in fact or implication, including statements that, while containing truthful elements, conceal or omit information necessary or relevant for a consumer to make informed decisions concerning discount medical plans; or (b) Have a capacity or tendency to mislead or deceive based on the overall impression a reasonable consumer may form after seeing or hearing the statements. (3) A person may not represent in any marketing, advertising, promotional, sales or plan documents or other informational materials for a discount medical plan or in communications with plan members or prospective plan members that the State of Oregon reviews or approves the discount medical plan. (4) Before a person uses an advertisement, a brochure, a discount card or promotional or marketing material for marketing, promoting, selling or distributing a discount medical plan, the discount medical plan organization shall approve the material in writing. (5) At the request of the Director of the Department of Consumer and Business Services, a discount medical plan organization shall submit to the director an advertisement, a brochure, a discount card or promotional or marketing material used for marketing, promoting, selling or distributing a discount medical plan. [2007 c.272 §9] Note: See note under 742.420.
OR Rev Stat § 742.436 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 742 - Insurance Policies Generally; Property and Casualty Policies|Section 742.436 - Investigative powers of director; expenses.

The Director of the Department of Consumer and Business Services may investigate a person operating or purporting to operate as a discount medical plan organization and may require the person at any time to produce marketing, promotional and advertising materials, records, books, files or other information the person uses in conducting business as a discount medical plan organization. During an investigation, the person shall respond to the director’s inquiries promptly and truthfully and in the manner or form the director requires. The person subject to an investigation under this section shall pay the expenses incurred in conducting the investigation. [2007 c.272 §10] Note: See note under 742.420.
OR Rev Stat § 742.438 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 742 - Insurance Policies Generally; Property and Casualty Policies|Section 742.438 - License suspension, revocation or failure to renew; grounds; effect.

(1) The Director of the Department of Consumer and Business Services by order may suspend, revoke or refuse to renew a license issued under ORS 742.426 if the director finds in writing that: (a) Any fact or condition exists that, if the fact or condition had existed at the time the licensee applied for a license to operate as a discount medical plan organization, would have been grounds for the director to deny a license to the licensee; (b) The licensee has not complied or is not complying with the licensee’s obligations under ORS 742.424, 742.426, 742.428, 742.432 or 742.436 or any rule adopted thereunder or the licensee has violated or is violating a prohibition under ORS 742.434; or (c) The licensee’s license or other authority to operate as a discount medical plan organization in another state has been suspended or revoked or has not been renewed. (2) A licensee subject to an order of the director suspending or revoking a license shall have an opportunity for a hearing under ORS 183.413 to 183.470. (3) After the director issues a final order to suspend or revoke a license, the person subject to the order may not conduct further business as a discount medical plan organization in this state. Immediately after the director issues a final order suspending or revoking a license, the person subject to the order shall: (a) Cease operations as a discount medical plan organization in this state; (b) Cancel all pending transactions with plan members and refund any fees, service or subscription charges, dues or other consideration collected in exchange for services the person would have provided to plan members in connection with a discount medical plan after the effective date of the final order suspending or revoking the person’s license; and (c) Wind up all business conducted in connection with the person’s operations as a discount medical plan organization in this state, if necessary. [2007 c.272 §11] Note: See note under 742.420.
OR Rev Stat § 742.440 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 742 - Insurance Policies Generally; Property and Casualty Policies|Section 742.440 - Injunction; damages; venue; time for commencing action.

(1) A person, a municipal or other public corporation or, at the request of the Director of the Department of Consumer and Business Services, the Attorney General may bring an action in a circuit court of this state against a person that operates or purports to operate as a discount medical plan organization but that has not obtained a license under ORS 742.426, to: (a) Enjoin the person from operating or purporting to operate as a discount medical plan organization or from violating ORS 742.432 or 742.434 or any rule adopted thereunder; or (b) Recover actual damages or statutory damages under this section that arise from the person’s violation of ORS 742.432 or 742.434 or any rule adopted thereunder. (2) A plaintiff may bring an action under this section in the county where: (a) The plaintiff resides or conducts business; or (b) The defendant marketed, offered for sale or sold, promoted, distributed or advertised a discount medical plan. (3) If the court finds that the defendant has violated ORS 742.422, 742.432 or 742.434 or any rule adopted thereunder, the court shall enjoin the defendant from continuing the violation. (4) Unless a plaintiff seeks actual or statutory damages under this section, the plaintiff need not allege or prove actual damages to bring an action for an injunction under this section. (5) In addition to injunctive relief, the plaintiff who prevails in an action brought under this section is entitled to recover from the defendant: (a) $100 for each discount medical plan membership sold or otherwise distributed within this state or $10,000, whichever is greater; (b) Three times the amount of actual damages, if any, that the plaintiff sustained; (c) Reasonable attorney fees; (d) Costs; and (e) Any other relief the court deems proper. (6) A plaintiff must commence an action under this section within two years after the date on which the violation described in subsection (1) of this section occurred or within two years after the plaintiff bringing the action discovered or in the exercise of reasonable diligence should have discovered the violation. The plaintiff may have an additional 180 days after the two-year period provided in this subsection within which to commence an action if the plaintiff can prove by a preponderance of the evidence that the plaintiff failed to timely commence the action because of conduct by the defendant calculated solely to induce the plaintiff to refrain from or postpone commencement of the action. (7) The remedies provided in this section are cumulative and are in addition to any other applicable criminal, civil or administrative penalties. [2007 c.272 §12] Note: See note under 742.420.
OR Rev Stat § 742.447 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 742 - Insurance Policies Generally; Property and Casualty Policies|Section 742.447 - Proof of insurance.

(1) Every insurer that issues motor vehicle insurance that is designed to meet either the financial or future responsibility requirements of ORS chapter 806 shall issue with the policy proof of insurance that shows the effective date and the expiration date of the insurance. (2) An insurer may provide proof of insurance under this section by issuing a card or, if the insured agrees, through electronic means. (3) Nothing in this section requires an insurer to provide proof of insurance at any time other than when the policy is issued or renewed. [1993 c.746 §1; 2013 c.108 §1] Note: 742.447 was enacted into law by the Legislative Assembly but was not added to or made a part of ORS chapter 742 or any series therein by legislative action. See Preface to Oregon Revised Statutes for further explanation.
OR Rev Stat § 742.449 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 742 - Insurance Policies Generally; Property and Casualty Policies|Section 742.449 - Prohibition on assignment to high risk category on certain grounds.

An insurer issuing motor vehicle liability insurance policies in this state may not assign an insured or applicant for insurance to a higher risk category than the person would otherwise be assigned to solely because the person has: (1) Let a prior motor vehicle liability policy lapse, unless the person was in violation of ORS 806.010 at any time after the prior policy lapsed; or (2) Had driving privileges suspended pursuant to ORS 809.280 (6) or (8) if the suspension is based on a nondriving offense. [1989 c.419 §2; 1991 c.860 §6; 2011 c.355 §22]
OR Rev Stat § 742.454 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 742 - Insurance Policies Generally; Property and Casualty Policies|Section 742.454 - Liabilities that need not be covered.

The motor vehicle liability insurance policy required by ORS 806.010, 806.060, 806.080, 806.240 or 806.270 need not insure any liability under any workers’ compensation law; nor any liability on account of bodily injury to or death of an employee of the insured while engaged in the employment, other than domestic, of the insured, or while engaged in the operation, maintenance or repair of a vehicle; nor any liability for damage to property owned by, rented to, in charge of, or transported by the insured. [Formerly 486.546 and then 743.778]
OR Rev Stat § 742.456 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 742 - Insurance Policies Generally; Property and Casualty Policies|Section 742.456 - When insurer’s liability accrues; nonforfeiture provisions.

The liability of an insurer with respect to the motor vehicle liability insurance policy required by ORS 806.060, 806.240 or 806.270 shall become absolute whenever injury or damage covered by the policy occurs. The policy may not be canceled or annulled as to such liability by any agreement between the insurer and the insured after the occurrence of the injury or damage. No statement made by the insured or on behalf of the insured and in violation of the policy shall defeat or void the policy. This section does not apply to motor vehicle liability insurance policies other than those required in connection with ORS 806.060, 806.240 or 806.270. [Formerly 486.551 and then 743.779]
OR Rev Stat § 742.458 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 742 - Insurance Policies Generally; Property and Casualty Policies|Section 742.458 - General provisions governing liability policies.

Every motor vehicle liability insurance policy shall be subject to the following provisions, which need not be contained therein: (1) The policy, the written application therefor, if any, and any rider or indorsement that does not conflict with the laws relating to motor vehicle liability insurance policies shall constitute the entire contract between the parties. (2) The satisfaction by the insured of a judgment for injury or damage shall not be a condition precedent to the right or duty of the insurer to make payment on account of such injury or damage. (3) Any binder issued pending the issuance of a motor vehicle liability insurance policy shall be deemed to fulfill the requirements for such a policy. [Formerly 486.556 and then 743.781]
OR Rev Stat § 742.460 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 742 - Insurance Policies Generally; Property and Casualty Policies|Section 742.460 - Insurer’s right to provide for reimbursement and proration.

Any motor vehicle liability insurance policy may provide that the insured shall reimburse the insurer for any payment the insurer would not have been obligated to make under the terms of the policy except for the provisions of ORS 742.450 to 742.464, 806.080 and 806.270 and it may further provide for the prorating of the insurance thereunder with other valid and collectible insurance. [Formerly 486.561 and then 743.782; 1995 c.79 §363]
OR Rev Stat § 742.462 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 742 - Insurance Policies Generally; Property and Casualty Policies|Section 742.462 - Insurer’s right to settle claims.

The insurer shall have the right to settle any claim covered by the policy, and if such settlement is made in good faith, the amount thereof shall be deductible from the limits of liability specified in respect to a motor vehicle liability insurance policy. [Formerly 486.564 and then 743.784]
OR Rev Stat § 742.464 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 742 - Insurance Policies Generally; Property and Casualty Policies|Section 742.464 - Excess coverage permitted; combining policies to meet requirements.

Any policy which grants the coverage required for a motor vehicle liability insurance policy under ORS 742.450, 806.080 and 806.270 may also grant any lawful coverage in excess of or in addition to the required coverage, and such excess or additional coverage shall not be subject to the provisions of ORS 742.031, 742.400 and 742.450 to 742.464. With respect to a policy which grants such excess or additional coverage only that part of the coverage which is required by ORS 806.080 and 806.270 is subject to the requirements of those sections. [Formerly 486.566 and then 743.785]