reglab/housing_qa huggingface dataset:
MD. Insurance Code Ann. §  17-309 (2021)
2021 Maryland Statutes|Insurance|Title 17 - Group Life Insurance|Subtitle 3 - Group Life Insurance Policy Provisions|Section 17-309 - Conversion of Group Policy -- Termination of Eligibility

    (a)    Each policy of group life insurance shall contain a provision that if the insurance or any part of it on an insured ceases under the policy because of termination of employment or membership in the class or classes eligible for coverage under the policy, the insured is entitled to have issued by the insurer, without evidence of insurability, an individual policy of life insurance without disability or other supplementary benefits, subject to the following conditions:        (1)    subject to subsection (b) of this section, application for the policy must be made and the first premium must be paid to the insurer within 31 days after the termination of employment or membership;        (2)    the individual policy is, at the option of the insured, on any form, except term insurance, customarily issued by the insurer at the age and for the amount applied for;        (3)    the individual policy is in an amount that does not exceed the amount of life insurance that ceases because of the termination of employment or membership, less the amount of life insurance for which the insured is eligible under the same or another group policy within 31 days after the termination of employment or membership;        (4)    the premium on the individual policy is at the insurer’s customary rate applicable to:            (i)    the form and amount of the individual policy;            (ii)    the class of risk to which the insured belongs; and            (iii)    the age of the insured attained on the effective date of the individual policy; and        (5)    the insured is entitled to written notice of the insured’s rights under this section at least 15 days prior to the expiration of the conversion period provided for in item (1) of this subsection.    (b)    (1)    If the insured is not provided with the notice required under subsection (a)(5) of this section, the insured shall have an additional 15 days from the date on which written notice is received to make application for the individual policy and pay the first premium to the insurer.        (2)    In no event shall the additional period provided under paragraph (1) of this subsection extend beyond 60 days after the expiration of the conversion period provided for in subsection (a)(1) of this section.    (c)    For purposes of subsection (a)(3) of this section, insurance that matures on or before the date of the termination of employment or membership as an endowment payable to the insured, whether in one sum, in installments, or in the form of an annuity, may not be included in the amount of life insurance that is considered to cease because of the termination of employment or membership.
MD. Insurance Code Ann. §  17-310 (2021)
2021 Maryland Statutes|Insurance|Title 17 - Group Life Insurance|Subtitle 3 - Group Life Insurance Policy Provisions|Section 17-310 - Conversion of Group Policy -- Termination of Coverage

    (a)    Subject to subsection (b) of this section, each policy of group life insurance shall contain a provision that if the group policy terminates or is amended so as to terminate the insurance of a class of insureds, each insured at the date of the termination whose insurance terminates and who has been insured for at least 5 years before the termination date is entitled to have issued to that insured by the insurer an individual policy of life insurance subject to the same conditions and limitations provided in § 17-309 of this subtitle.    (b)    The group policy may provide that the amount of an individual policy issued under this section may not exceed the lesser of:        (1)    the amount of the insured’s life insurance protection that has terminated, less the amount of life insurance for which the insured is or becomes eligible under a group policy issued or reinstated by the same or another insurer within 31 days after the termination; and        (2)    $10,000.
MD. Insurance Code Ann. §  17-311 (2021)
2021 Maryland Statutes|Insurance|Title 17 - Group Life Insurance|Subtitle 3 - Group Life Insurance Policy Provisions|Section 17-311 - Death Pending Conversion

    Each policy of group life insurance shall contain a provision that if an insured under the policy dies while entitled to an individual policy under § 17-309 or § 17-310 of this subtitle but before the individual policy becomes effective, the amount of life insurance to which the insured would have been entitled shall be payable as a claim under the group policy, whether or not application for the individual policy or payment of the first premium has been made.
MD. Insurance Code Ann. §  19-101 (2021)
2021 Maryland Statutes|Insurance|Title 19 - Property and Casualty Insurance|Subtitle 1 - General Provisions|Section 19-101 - Applicability of Other Laws

    (a)    In addition to any requirement of this article and to the extent not inconsistent with this article, a workers’ compensation insurance policy is subject to Titles 9 and 10 of the Labor and Employment Article.    (b)    In addition to any requirement of this article and to the extent not inconsistent with this article, a motor vehicle liability insurance policy is subject to the Maryland Vehicle Law.
MD. Insurance Code Ann. §  19-102 (2021)
2021 Maryland Statutes|Insurance|Title 19 - Property and Casualty Insurance|Subtitle 1 - General Provisions|Section 19-102 - Provisions in Liability Policies for Payment of Loss and Bankruptcy of Insured

    (a)    A liability insurance policy issued in the State may not require the insured to pay for liability or loss under the policy.    (b)    Each liability insurance policy issued in the State shall provide that:        (1)    the bankruptcy or insolvency of the insured does not release the insurer from liability; and        (2)    if an injured person or another person claiming by, through, or under the injured person is unable, after execution on a final judgment entered in an action against an insured, to recover the full amount of the final judgment, the person may bring an action against the insured’s insurer in accordance with the terms of the policy for the lesser of the amount of the judgment recovered in the action against the insured or the amount of the policy.    (c)    Notwithstanding anything to the contrary in the policy, each liability insurance policy issued in the State shall be construed to contain the provisions required by subsection (b) of this section.
MD. Insurance Code Ann. §  19-103 (2021)
2021 Maryland Statutes|Insurance|Title 19 - Property and Casualty Insurance|Subtitle 1 - General Provisions|Section 19-103 - Immunity of Charitable Institution

    Each policy issued to cover the liability of a charitable institution for negligence or any other tort shall provide that, for a claim covered by the policy, the insurer may not assert the defense that the insured is immune from liability because it is a charitable institution.
MD. Insurance Code Ann. §  19-104 (2021)
2021 Maryland Statutes|Insurance|Title 19 - Property and Casualty Insurance|Subtitle 1 - General Provisions|Section 19-104 - Health Care Malpractice Insurance

    (a)    Each policy that insures a health care provider against damages due to medical injury arising from providing or failing to provide health care shall contain provisions that:        (1)    are consistent with the requirements of Title 3, Subtitle 2A of the Courts Article; and        (2)    authorize the insurer, without restriction, to negotiate and effect a compromise of claims unless the settlement amount exceeds the limits of the insurer’s liability.    (b)    (1)    An insurer may make payments to or on behalf of claimants for reasonable hospital and medical costs, loss of wages, and expenses for rehabilitation services and treatment, within the limits of the insurer’s liability, before a final disposition of the claim.        (2)    A payment made under this subsection:            (i)    is not an admission of liability to or of damages sustained by a claimant; and            (ii)    does not prejudice the insurer or any other party with respect to any right, claim, or defense.    (c)    (1)    A policy issued or delivered under subsection (a) of this section may include coverage for the defense of a health care provider in a disciplinary hearing arising out of the practice of the health care provider profession if the cost of the included coverage is:            (i)    itemized in the billing statement, invoice, or declarations page for the policy; and            (ii)    reported to the Commissioner in a form and manner required by the Commissioner.        (2)    A policy providing coverage for the defense of a health care provider in a disciplinary hearing arising out of the practice of the health care provider’s profession may be offered and priced separately from a policy issued or delivered under subsection (a) of this section.
MD. Insurance Code Ann. §  19-105 (2021)
2021 Maryland Statutes|Insurance|Title 19 - Property and Casualty Insurance|Subtitle 1 - General Provisions|Section 19-105 - Liability Coverage -- for Individuals Assisting Fire and Rescue Departments and Companies

    An insurer that provides a general liability insurance policy to a fire department, fire company, rescue department, or rescue company shall offer to provide coverage for:         (1)    a volunteer firefighter or volunteer ambulance rescue squad member who, in response to an emergency, provides assistance to the fire department, fire company, rescue department, or rescue company; and        (2)    any other individual who, in response to an emergency, provides assistance at the request and under the direction of the fire department, fire company, rescue department, or rescue company.
MD. Insurance Code Ann. §  19-106 (2021)
2021 Maryland Statutes|Insurance|Title 19 - Property and Casualty Insurance|Subtitle 1 - General Provisions|Section 19-106 - Liability Coverage -- for Family Child Care Providers

    An insurer that issues or delivers a policy or contract of motor vehicle liability insurance in the State shall offer to provide to a policyholder, who is registered as a family child care provider under Title 5, Subtitle 5, Part V of the Family Law Article, coverage in at least the amount required under § 17–103 of the Transportation Article for liability that results from bodily injury:        (1)    to a family child care child while the child is a passenger in an automobile; and        (2)    that arises out of an insured’s activities as a family child care provider.
MD. Insurance Code Ann. §  19-107 (2021)
2021 Maryland Statutes|Insurance|Title 19 - Property and Casualty Insurance|Subtitle 1 - General Provisions|Section 19-107 - Refusals to Issue or Renew Insurance Because of Location

    (a)    An insurer may not refuse to issue or renew a contract of motor vehicle insurance, property insurance, or casualty insurance solely because the subject of the risk or the applicant’s or insured’s address is located in a certain geographic area of the State unless:        (1)    at least 60 days before the refusal, the insurer has filed with the Commissioner a written statement designating the geographic area; and        (2)    the designation has an objective basis and is not arbitrary or unreasonable.    (b)    A statement filed with the Commissioner under this section is a public record.
MD. Insurance Code Ann. §  19-108 (2021)
2021 Maryland Statutes|Insurance|Title 19 - Property and Casualty Insurance|Subtitle 1 - General Provisions|Section 19-108 - Issuance of Vehicle Liability Policies on Assessable Basis Prohibited

    An insurer may not issue a vehicle liability insurance policy on an assessable basis.
MD. Insurance Code Ann. §  19-109 (2021)
2021 Maryland Statutes|Insurance|Title 19 - Property and Casualty Insurance|Subtitle 1 - General Provisions|Section 19-109 - Subrogation of Medical Expense Payments Prohibited

    On or after January 1, 1972, an authorized insurer may not issue or deliver a policy or contract of bodily injury liability insurance on a motor vehicle that is principally garaged or principally used in the State when the policy or contract is issued or delivered if:         (1)    the policy or contract contains a representation that the authorized insurer will pay all reasonable medical expenses incurred for bodily injury caused by an accident to the insured or another individual covered by the policy or contract; and        (2)    the authorized insurer retains the right of subrogation to recover from a third party any amount paid under the policy or contract on behalf of the injured individual.
MD. Insurance Code Ann. §  19-110 (2021)
2021 Maryland Statutes|Insurance|Title 19 - Property and Casualty Insurance|Subtitle 1 - General Provisions|Section 19-110 - Disclaimers of Coverage on Liability Policies

    An insurer may disclaim coverage on a liability insurance policy on the ground that the insured or a person claiming the benefits of the policy through the insured has breached the policy by failing to cooperate with the insurer or by not giving the insurer required notice only if the insurer establishes by a preponderance of the evidence that the lack of cooperation or notice has resulted in actual prejudice to the insurer.
MD. Insurance Code Ann. §  19-111 (2021)
2021 Maryland Statutes|Insurance|Title 19 - Property and Casualty Insurance|Subtitle 1 - General Provisions|Section 19-111 - Limitation on Preventing Recovery for Property Loss

    (a)    This section only applies if an insurer, through its insurance producer, adjuster, or representative, has begun investigating, estimating, or adjusting a property loss resulting from fire or a hazard under an extended coverage endorsement.    (b)    (1)    Except as provided in paragraph (2) of this subsection, an insured that has failed to give an insurer a sworn statement in proof of loss or a written notice as required by an insurance contract is not prevented from recovering under the insurance contract.        (2)    An insured may be prevented from recovering under an insurance contract if the insured fails to provide the sworn statement in proof of loss or written notice required by the insurance contract within 15 days after receiving the insurer’s written request for the statement or notice.
MD. Insurance Code Ann. §  19-112 (2021)
2021 Maryland Statutes|Insurance|Title 19 - Property and Casualty Insurance|Subtitle 1 - General Provisions|Section 19-112 - Request by Bulletin

    (a)    The Commissioner may request by bulletin from a property and casualty insurer data that relates to policies written by the insurer.    (b)    A request by bulletin under this section shall specify:        (1)    the line of insurance for which the data is being requested; and        (2)    the period of time for which the data is requested.    (c)    Data requested by bulletin under this section shall be filed with the Commissioner in a form required by the Commissioner.    (d)    (1)    A request by bulletin expires 2 years after the date of the request by the Commissioner.        (2)    If the Commissioner needs additional data after the end of that 2-year period, the Commissioner shall issue another bulletin.    (e)    At least 15 days prior to granting an application under § 4–203 of the General Provisions Article to inspect company–specific data that was requested by bulletin under this section, the Commissioner shall notify the insurer that supplied the data:        (1)    that the Commissioner has received an application to inspect data filed by the insurer;        (2)    which data the Commissioner intends to disclose in granting the application; and        (3)    that, within 7 days of receipt of the notice, the insurer has the opportunity to provide any reason why the data is confidential commercial data or is otherwise protected from disclosure under the Public Information Act.
MD. Insurance Code Ann. §  19-113 (2021)
2021 Maryland Statutes|Insurance|Title 19 - Property and Casualty Insurance|Subtitle 1 - General Provisions|Section 19-113 - Settlement of Claims

    (a)    A parent of a minor or person in loco parentis of the minor may settle a claim under a liability insurance policy brought by the parent or person in loco parentis for the benefit of the minor.    (b)    The payment of a settlement of a claim made under this section for the benefit of a minor shall comply with Title 13, Subtitle 4 of the Estates and Trusts Article.
MD. Insurance Code Ann. §  19-114 (2021)
2021 Maryland Statutes|Insurance|Title 19 - Property and Casualty Insurance|Subtitle 1 - General Provisions|Section 19-114 - Deductibles in Medical Malpractice Policies

    (a)    Each insurer that issues or delivers a medical professional liability insurance policy in the State with an annual premium of $5,000 or more shall offer at a minimum, in addition to the basic policy, additional policies with deductibles in the following amounts:        (1)    $25,000;        (2)    $50,000; and        (3)    $100,000.    (b)    In a policy with a deductible described in subsection (a) of this section, the insurer shall apply the deductible only to the liability of the insured under the policy.    (c)    (1)    An insurer that issues or delivers a medical professional liability insurance policy with a deductible described in subsection (a) of this section may cancel the policy for nonpayment of the deductible when the deductible is due and payable under the policy.        (2)    A medical professional liability insurer that cancels a policy under paragraph (1) of this subsection is subject to the notice provisions under § 27–603 of this article.
MD. Insurance Code Ann. §  19-115 (2021)
2021 Maryland Statutes|Insurance|Title 19 - Property and Casualty Insurance|Subtitle 1 - General Provisions|Section 19-115 - Insurance Provider Panels

    (a)    (1)    In this section the following words have the meanings indicated.        (2)    “Health care provider” means an individual who is licensed, certified, or otherwise authorized under the Health Occupations Article to provide health care services.        (3)    “HMO provider panel” means a provider panel for one or more health maintenance organizations.        (4)    “Insurer provider panel” means a provider panel for one or more insurers engaged in the business of casualty insurance or property insurance.        (5)    “Non–HMO provider panel” means a provider panel for one or more nonprofit health service plans or insurers.        (6)    “Provider contract” means a contract between a health care provider and an entity that contracts with a health care provider to serve on an insurer provider panel, an HMO provider panel, or a non–HMO provider panel.    (b)    (1)    An insurer may not use an insurer provider panel if the provider contract for the insurer provider panel requires a provider to participate on the insurer provider panel as a condition of participating on an HMO provider panel or a non–HMO provider panel.        (2)    An entity arranging an insurer provider panel shall provide a health care provider a schedule of applicable fees for up to the 50 most common services billed by a health care provider in the specialty of the health care provider:            (i)    in writing at the time of execution of a provider contract;            (ii)    in writing or electronically 30 days before a change in the schedule of applicable fees; and            (iii)    in writing or electronically on request of the health care provider.
MD. Insurance Code Ann. §  19-201 (2021)
2021 Maryland Statutes|Insurance|Title 19 - Property and Casualty Insurance|Subtitle 2 - Homeowner's Insurance Policies|Section 19-201 - Definitions

    (a)    In this subtitle the following words have the meanings indicated.    (b)    “Additional optional coverage” means a coverage or service that covers the structures, contents, property, or activities on property that is available for purchase in connection with a standard homeowner’s insurance policy.    (c)    “Insurer” means an insurer that issues or delivers a policy of homeowner’s insurance in the State.
MD. Insurance Code Ann. §  19-202 (2021)
2021 Maryland Statutes|Insurance|Title 19 - Property and Casualty Insurance|Subtitle 2 - Homeowner's Insurance Policies|Section 19-202 - Coverage for Water Damage

    (a)    An insurer that issues, sells, or delivers a homeowner’s insurance policy shall at time of application and renewal offer in writing to provide coverage for loss that:        (1)    is caused by or results from water that backs up through sewers or drains; and        (2)    is not caused by the negligence of the insured.    (b)    If an application or renewal is made by telephone, the insurer is deemed to be in compliance with subsection (a) of this section if, within 7 calendar days after the date of application or renewal, the insurer sends the offer to the applicant or insured by a first–class mail tracking method.    (c)    If an application or renewal is made using the Internet, the insurer is deemed to be in compliance with subsection (a) of this section if the insurer provides the offer to the applicant or insured prior to submission of the application or renewal.    (d)    An offer required by this section may be delivered by electronic means if the insurer complies with the requirements of § 27–601.2 of this article.    (e)    An insurer may comply with the renewal notice requirements of this section by sending the notice authorized by § 19–216 of this subtitle.
MD. Insurance Code Ann. §  19-203 (2021)
2021 Maryland Statutes|Insurance|Title 19 - Property and Casualty Insurance|Subtitle 2 - Homeowner's Insurance Policies|Section 19-203 - Liability Coverage for Family Child Care Providers

    An insurer that issues or delivers a policy or contract of homeowner’s liability insurance in the State shall offer to provide to a policyholder, who is registered as a family child care provider under Title 9.5, Subtitle 3 of the Education Article, coverage of at least $300,000 for liability that results from bodily injury, property damage, or personal injury arising out of an insured’s activities as a family child care provider.
MD. Insurance Code Ann. §  19-204 (2021)
2021 Maryland Statutes|Insurance|Title 19 - Property and Casualty Insurance|Subtitle 2 - Homeowner's Insurance Policies|Section 19-204 - Provisions for Payment of Medical Expenses

    A policy or contract of homeowner’s liability insurance that contains a representation that the insurer will pay all reasonable medical expenses incurred for bodily injury caused by an accident to an individual covered by the policy or contract may not be issued unless the policy or contract also provides that the insurer will pay all medical expenses incurred within 3 years after the date of the accident.