reglab/housing_qa huggingface dataset:
MN Stat § 65B.09 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 65B — Automobile Insurance|Section 65B.09 — Agents.

65B.09 AGENTS. Subdivision 1. Agents' responsibility. Every person licensed under sections 60K.30 to 60K.56 who is authorized to solicit, negotiate or effect automobile insurance on behalf of any member shall: (1) offer to place coverage through the facility for any qualified applicant who is ineligible or unacceptable for coverage in the insurer or insurers for whom the agent is authorized to solicit, negotiate or effect automobile insurance. Provided, that the failure of an agent to make such an offer to a qualified applicant shall not subject the agent to any liability to the applicant; (2) forward to the facility all applications and any deposit premiums which are required by the plan of operation, rules and procedures of the facility, if the qualified applicant accepts the offer to have coverage placed through the facility; (3) be entitled to receive compensation for placing insurance through the facility at the uniform rates of compensation as provided in the plan of operation, and all members shall pay such compensation. Subd. 2. Agents' contracts. A member may not include the premiums and losses incurred from risks insured through the facility in determining the loss ratio of any of its agents, or otherwise use the experience from such risks as cause for altering the relationship between the member and its agent. History:  1971 c 813 s 9; 1986 c 444; 1992 c 520 s 15; 1993 c 13 art 2 s 3; 1995 c 258 s 49; 2001 c 117 art 2 s 14
MN Stat § 65B.10 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 65B — Automobile Insurance|Section 65B.10 — Eligibility.

65B.10 ELIGIBILITY. Subdivision 1. Eligibility for coverage. To be eligible for coverage through the facility an otherwise qualified applicant must have been rejected, canceled or refused renewal with respect to automobile insurance by a member. Subd. 2. Termination of eligibility. Eligibility for placement through the facility will terminate if an insured is offered equivalent coverage in the voluntary market at a rate lower than the facility rate. If the member that is required to provide coverage by the facility makes such an offer after giving 30 days' advance written notice to the agent of record before making the offer, the member shall have no further obligation to the agent of record. Subd. 3. Review of insureds. At least annually, every member shall review every private passenger nonfleet applicant which it insures through the facility and determine whether or not such applicant is acceptable for voluntary insurance at a rate lower than the facility rate. If such applicant is acceptable, the member shall make an offer to insure the applicant under voluntary coverage at such lower rate. History:  1971 c 813 s 10; 1986 c 444; 1992 c 520 s 16; 1995 c 258 s 50
MN Stat § 65B.11 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 65B — Automobile Insurance|Section 65B.11 — Use Of Facility By Public.

65B.11 USE OF FACILITY BY PUBLIC. If, upon a formal hearing, the commissioner finds that a large proportion of qualified and eligible persons are failing to gain the benefits of the facility, the facility shall provide service to assist the public in making application to the facility for placement. History:   1971 c 813 s 11
MN Stat § 65B.12 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 65B — Automobile Insurance|Section 65B.12 — Right To Hearing; Construction Of Plan Of Operation.

65B.12 RIGHT TO HEARING; CONSTRUCTION OF PLAN OF OPERATION. Subdivision 1. Hearing request. Any member, applicant or person insured under a policy placed through the facility may request a formal hearing and ruling by the governing committee on any alleged violation of the plan of operation or any alleged improper act or ruling of the facility. The request for hearing must be filed within 30 days after the date of the alleged act or decision. Subd. 2. Plan of operation to provide. The plan of operation shall provide for prompt and fair hearings, and shall prescribe the procedure to be followed in the hearings. Subd. 3. Appeal of governing committee ruling. Any formal ruling by the governing committee may be appealed to the commissioner by filing notice of appeal with the facility and the commissioner within 30 days after issuance of the ruling. The hearing shall be governed by the procedures for contested cases. Subd. 4. Appeal hearing. Upon a hearing pursuant to chapter 14, the commissioner shall issue an order approving or disapproving the action or decision of the governing committee or directing the governing committee to reconsider the ruling. Subd. 4a. Judicial review. In lieu of the appeal to the commissioner, a member, applicant, or person may seek judicial review of the governing committee's action. Subd. 5. Plan interpretation. The plan of operation shall be interpreted to conform to the laws of this state with respect to automobile insurance coverage and any changes in the laws, unless the facility is specifically excluded from the applicability of these laws. History:  1971 c 813 s 12; 1987 c 337 s 97; 1992 c 520 s 17
MN Stat § 65B.1311 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 65B — Automobile Insurance|Section 65B.1311 — Coverage For Former Spouse.

65B.1311 COVERAGE FOR FORMER SPOUSE. Subdivision 1. New policy issued. An insurer must issue a policy of private passenger insurance to the former spouse of a named insured, within the provisions of subdivision 2, if the following conditions are met: (1) the former spouse has been an insured driver under the former policy for at least the six months immediately preceding the entry of a valid decree of dissolution of marriage; (2) the former spouse makes application for a policy before the end of the policy period or within 60 days after the entry of the decree of dissolution of marriage, whichever is later; (3) the appropriate premium is paid; and (4) the former spouse and any person or persons who are to be an insured, as defined in section 65B.43, meets the insurer's eligibility standards for renewal policies. Subd. 2. Named insured. A named insured under a policy of private passenger vehicle insurance shall have the premium determined at the first and any subsequent renewals of the policy after entry of a valid decree of dissolution of the marriage of the named insured only on the basis of the driving record and rating classification applicable to the named insured and any person who is to be an insured, as defined in section 65B.43, under the policy to be renewed. History:  1986 c 455 s 49; 1987 c 337 s 98
MN Stat § 65B.132 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 65B — Automobile Insurance|Section 65B.132 — Student Discounts; Eligibility.

65B.132 STUDENT DISCOUNTS; ELIGIBILITY. Any insurance company providing discounts on automobile insurance premiums to eligible persons attending colleges and universities must provide the discount to eligible students enrolled in technical colleges. History:  1975 c 44 s 1; 1987 c 258 s 12; 1989 c 246 s 2; 1Sp1995 c 3 art 16 s 13; 1996 c 412 art 13 s 2
MN Stat § 65B.134 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 65B — Automobile Insurance|Section 65B.134 — Comprehensive Coverage; Glass Breakage.

65B.134 COMPREHENSIVE COVERAGE; GLASS BREAKAGE. Any policy of automobile insurance, as defined in section 65B.14, subdivision 2, providing comprehensive coverage, whether designated as such or included in a policy providing broader coverage, must provide at the option of the insured complete coverage for repair or replacement of all damaged safety glass without regard to any deductible or minimum amount. History:   1983 c 292 s 2
MN Stat § 65B.135 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 65B — Automobile Insurance|Section 65B.135 — Limousine Insurance.

65B.135 LIMOUSINE INSURANCE. An insurer who provides insurance for limousines, defined in section 168.002, subdivision 15, shall provide insurance in a minimum aggregate amount of $1,500,000 per accident for each limousine covered. The insurance coverage may be provided by combining an underlying liability policy with an excess or umbrella policy as long as the minimum aggregate amount is met. History:  1989 c 318 s 3; 2014 c 175 s 1
MN Stat § 65B.136 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 65B — Automobile Insurance|Section 65B.136 — Minors.

65B.136 MINORS. A minor authorized under section 168.101, subdivision 1, to own a private passenger vehicle, as defined in section 65B.001, subdivision 3, may contract to buy a plan of reparation security, as defined in section 65B.43, subdivision 15, on that vehicle, as a contract that is fully binding on the minor on the same basis as if the minor were an adult. This section does not require an insurer to issue coverage to a minor or limit an insurer's underwriting discretion in regard to any aspect of the coverage. History:   2010 c 278 s 1
MN Stat § 65B.14 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 65B — Automobile Insurance|Section 65B.14 — Definitions.

65B.14 DEFINITIONS. Subdivision 1. Application. For the purposes of sections 65B.14 to 65B.21, the terms defined in this section have the meanings given them. Subd. 2. Policy of automobile insurance or policy. "Policy of automobile insurance" or "policy" means a policy of private passenger vehicle insurance as defined in section 65B.001, or a plan of reparation security as defined in section 65B.48 insuring less than five vehicles rated on a commercial or fleet basis, or a policy of insurance covering the use of a motorcycle, delivered or issued for delivery in this state. Subd. 3. Renewal or to renew. "Renewal" or "to renew" means the issuance and delivery by an insurer of a policy superseding at the end of the policy period a policy previously issued and delivered by the same insurer on the same rating plan, or the issuance and delivery of a certificate or notice extending the term of a policy beyond its policy period or term; provided, however, that any policy with a policy period or term of less than six months or any policy with no fixed expiration date shall for the purpose of sections 65B.14 to 65B.21 be considered as if written for successive policy periods or terms of six months. Subd. 4. Nonpayment of premium. "Nonpayment of premium" means failure of the named insured to discharge when due any obligations in connection with the payment of premiums on a policy of automobile insurance or any installment of such premium, whether the premium is payable directly to the insurer or its agent or indirectly under any premium finance plan or extension of credit. Subd. 5. Violations. "Violations" means all moving traffic violations that are recorded by the Department of Public Safety on a household member's motor vehicle record, and violations reported by a similar authority in another state or moving traffic violations reported by the insured. History:  1967 c 463 s 1; 1971 c 813 s 13; 1974 c 56 s 1; 1974 c 408 s 31; 1977 c 366 s 2; 1984 c 592 s 54,56; 1986 c 444; 1996 c 446 art 1 s 56
MN Stat § 65B.16 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 65B — Automobile Insurance|Section 65B.16 — Statement Of Reasons For Cancellation Or Reduction.

65B.16 STATEMENT OF REASONS FOR CANCELLATION OR REDUCTION. No notice of cancellation or reduction in the limits of liability of coverage of an automobile insurance policy under section 65B.15 shall be effective unless the specific underwriting or other reason or reasons for such cancellation or reduction in the limits of liability of coverage are stated in such notice and the notice is mailed or delivered by the insurer so as to provide the named insured with at least 30 days' notice prior to the effective date of cancellation; provided, however, that when nonpayment of premium is the reason for cancellation or when the company is exercising its right to cancel insurance which has been in effect for less than 60 days at least ten days' notice of cancellation, and the reasons for the cancellation, shall be given. Information regarding moving traffic violations or motor vehicle accidents must be specifically requested on the application in order for a company to use those incidents to exercise its right to cancel within the first 59 days of coverage. When nonpayment of premiums is the reason for cancellation, the reason must be given to the insured with the notice of cancellation; and if the company is exercising its right to cancel within the first 59 days of coverage and notice is given with less than ten days remaining in the 59-day period, the coverage must be extended, to expire ten days after notice was mailed. History:  1967 c 463 s 3; 1971 c 696 s 1; 1984 c 592 s 57; 1987 c 337 s 100; 2001 c 215 s 32
MN Stat § 65B.161 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 65B — Automobile Insurance|Section 65B.161 — Refund Of Premium On Cancellation.

65B.161 REFUND OF PREMIUM ON CANCELLATION. Cancellation of a policy of automobile insurance pursuant to sections 65B.15 and 65B.16 shall not be effective unless any unearned premium due the insured is returned to the insured with the notice of cancellation or is delivered or sent by mail to the insured so as to be received by the insured not later than the effective date of cancellation. History:   1977 c 366 s 3
MN Stat § 65B.162 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 65B — Automobile Insurance|Section 65B.162 — Notice Of Possible Cancellation.

65B.162 NOTICE OF POSSIBLE CANCELLATION. A written notice shall be provided to all applicants for private passenger insurance, at the time the application is submitted, containing the following language in bold print: "THE INSURER MAY ELECT TO CANCEL COVERAGE AT ANY TIME DURING THE FIRST 59 DAYS FOLLOWING ISSUANCE OF THE COVERAGE FOR ANY REASON WHICH IS NOT SPECIFICALLY PROHIBITED BY STATUTE." History:   1987 c 337 s 101
MN Stat § 65B.18 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 65B — Automobile Insurance|Section 65B.18 — Proof Of Mailing Of Notice.

65B.18 PROOF OF MAILING OF NOTICE. Proof of mailing of notice of cancellation, reduction in the limits of liability of coverage, or nonrenewal of a policy and, if required herein, the reason or reasons therefor to the named insured at the address shown in the policy, shall be sufficient proof that notice required herein has been given. History:  1967 c 463 s 5; 1969 c 6 s 16; 1974 c 56 s 3
MN Stat § 65B.19 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 65B — Automobile Insurance|Section 65B.19 — Notice Of Cancellation Or Nonrenewal.

65B.19 NOTICE OF CANCELLATION OR NONRENEWAL. Subdivision 1. Disclosure. No insurer shall take any action in regard to an automobile insurance policy on the statements or charges of any person made to the insurer concerning alleged unsafe driving habits of an insured unless the insurer shall concurrently disclose to the insured the name and address of the person from which the information was received. Subd. 2. Notice of right to complain. When the insurer notifies the policyholder of nonrenewal, cancellation or reduction in the limits of liability of coverage under section 65B.16 or 65B.17, the insurer shall also notify the named insured of the right to complain within 30 days of receipt by the named insured of notice of nonrenewal, cancellation or reduction in the limits of liability to the commissioner of such action and of the nature of and possible eligibility for insurance through the Minnesota automobile insurance plan. Such notice shall be included in the notice of nonrenewal, cancellation or reduction in the limits of liability of coverage, and shall state that such notice of the insured's right of complaint to the commissioner and of the availability of insurance through the Minnesota automobile insurance plan is given pursuant to sections 65B.14 to 65B.21. The notice must state the name of the insurer and the date the notice is issued. History:  1967 c 463 s 6; 1969 c 845 s 2; 1971 c 696 s 3; 1971 c 813 s 14; 1973 c 610 s 1; 1984 c 592 s 59; 1986 c 444; 2001 c 215 s 33
MN Stat § 65B.20 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 65B — Automobile Insurance|Section 65B.20 — Immunity Of Insurer Or Commissioner; Use Of Reasons For Cancellation.

65B.20 IMMUNITY OF INSURER OR COMMISSIONER; USE OF REASONS FOR CANCELLATION. There shall be no liability on the part of and no cause of action of any nature shall arise against the commissioner or against any insurer, its authorized representative, its agents, its employees, or any firm, person or corporation furnishing to the insurer information as to reasons for nonrenewal or cancellation, for any statement made by them in any written notice of nonrenewal or cancellation, for the providing of information relating thereto, or for statements made or evidence submitted at any hearings conducted in connection therewith. History:  1967 c 463 s 7; 1969 c 845 s 3
MN Stat § 65B.21 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 65B — Automobile Insurance|Section 65B.21 — Insured's Right To Object To Cancellation Or Nonrenewal.

65B.21 INSURED'S RIGHT TO OBJECT TO CANCELLATION OR NONRENEWAL. Subdivision 1. Form and manner. Any individual who believes such nonrenewal, cancellation or reduction in the limits of liability of coverage of the individual's policy is arbitrary, capricious or otherwise in violation of this provision, or who believes such notice of nonrenewal and the reason or reasons therefor were not given as provided herein, may, within 30 days after receipt of notice thereof, file in writing an objection to such action with the commissioner. Subd. 2. Investigation and determination by commissioner. Upon receipt of a written objection pursuant to the provisions herein, the commissioner may notify the insurer of receipt of such objection and of the right of the insurer to file a written response thereto within ten days of receipt of such notification. The commissioner may also order an investigation of the objection or complaint, the submission of additional information by the insured or the insurer about the action by the insurer or the objections of the insured, or such other procedure as the commissioner deems appropriate or necessary. Within 23 days of receipt of such written objection by an insured the commissioner shall approve or disapprove the insurer's action and shall notify the insured and insurer of the final decision. Either party may institute proceedings for judicial review of the commissioner's decision; provided, however, that the commissioner's final decision shall be binding pending judicial review. History:  1967 c 463 s 8; 1969 c 845 s 4; 1971 c 696 s 4; 1973 c 610 s 2; 1986 c 444; 1987 c 337 s 102
MN Stat § 65B.28 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 65B — Automobile Insurance|Section 65B.28 — Accident Prevention Course Premium Reductions.

65B.28 ACCIDENT PREVENTION COURSE PREMIUM REDUCTIONS. Subdivision 1. Required reduction. An insurer must provide an appropriate premium reduction of at least ten percent on its policies of private passenger vehicle insurance, as defined in section 65B.001, subdivision 2, issued, delivered, or renewed in this state, to insureds 55 years old and older who successfully complete an accident prevention course or refresher course established under subdivisions 2 and 3. Subd. 2. Accident prevention course; rules. The commissioner of public safety shall adopt rules establishing and regulating a motor vehicle accident prevention course for persons 55 years old and older. The rules must, at a minimum, include provisions: (1) establishing curriculum requirements; (2) establishing the number of hours required for successful completion of the course; and (3) providing for the issuance of a course completion certification and requiring its submission to an insured as evidence of completion of the course. Subd. 3. Refresher course. The Department of Public Safety, in consultation with other traffic safety and medical professionals, may establish a refresher course for persons who have completed the original course under subdivision 2. The refresher course shall be no more than four hours, and based on the curriculum established under subdivision 2. The Department of Public Safety shall establish criteria for and approve training agencies or organizations authorized to conduct the refresher course. Subd. 4. Completion certificate. A person 55 years old and older may retake the original course or take the refresher course every three years and receive a course completion certificate to remain eligible for the premium reduction in subdivision 1. A person 58 years old and older who successfully completes a retaking of the original course or a refresher course more than three years from the date the person last was eligible for the premium reduction in subdivision 1 is entitled to reinstatement of this eligibility. The Department of Public Safety shall provide criteria for the issuance of the course completion certificates. History:  1984 c 532 s 1; 1987 c 337 s 103; 1994 c 547 s 1; 1997 c 187 art 3 s 18; 2012 c 141 s 1
MN Stat § 65B.285 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 65B — Automobile Insurance|Section 65B.285 — Antitheft Protection Device Premium Reduction.

65B.285 ANTITHEFT PROTECTION DEVICE PREMIUM REDUCTION. Subdivision 1. Definition. For the purposes of this section the term "authorized antitheft protection device" means a device provided by the manufacturer of a vehicle as original equipment or installed in a vehicle by the manufacturer of the vehicle or an authorized dealer of that manufacturer that does one or more of the following when activated unless the vehicle is entered and started by means of a lock system: (1) sound an alarm; (2) cause the vehicle horn to sound; (3) cause the vehicle lights to flash; or (4) cause the vehicle to be rendered inoperable. The device must be self-activating upon the locking of the passenger doors of the vehicle. Subd. 2. Required reduction. An insurer must provide an appropriate premium reduction of at least five percent on the comprehensive coverage on a policy of private passenger vehicle insurance, as defined in section 65B.001, subdivision 2, issued, delivered, or renewed in this state, to an insured whose vehicle is equipped with an authorized antitheft protection device. The premium reduction required by this subdivision applies to every vehicle of an insured that is equipped with an authorized antitheft protection device. History:   1995 c 115 s 1