reglab/housing_qa huggingface dataset:
RI Gen L § 27-9-27 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-9 - Casualty Insurance Rating|Section 27-9-27 - Appeals from action of rating organization on changes in filings.

§ 27-9-27. Appeals from action of rating organization on changes in filings.(a) Any member of or subscriber to a rating organization may appeal to the commissioner from the action or decision of the rating organization in the promulgation of rates or with regard to any proposed change in or addition to the filings of the rating organization, and the commissioner shall after a hearing held upon not less than ten (10) days written notice to the appellant and to the rating organization issue an order approving or disapproving the action or decision of the rating organization. Provided, that if the appeal is from the action of the rating organization with regard to a rate on a proposed change in or addition to its filings, the commissioner shall approve the rate applied by the rating organization or the rate suggested by the appellant if either rate is in accordance with this chapter.(b) If the appeal is based upon the failure of the rating organization to make a filing on behalf of any member or subscriber which is based on a system of expense provisions which differs in accordance with the right granted in § 27-9-4(a)(2) from the system of expense provisions included in a filing made by the rating organization, the commissioner shall, if he or she grants the appeal, order the rating organization to make the requested filing for use by the appellant. In deciding the appeal, the commissioner shall apply the standards set forth in §§ 27-9-4 — 27-9-6.History of Section.P.L. 1948, ch. 2089, § 7; G.L. 1956, § 27-9-27.
RI Gen L § 27-9-28 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-9 - Casualty Insurance Rating|Section 27-9-28 - Rate information furnished to insured.

§ 27-9-28. Rate information furnished to insured.Any rate filings subject to this chapter and filed by an insurer or rating organization on behalf of its members or subscribers with the insurance commissioner shall be deemed public information at the time of the filing; provided, the insurance commissioner shall furnish the rate filings and all pertinent information as to the rate filings, upon written request, to any insured, to any authorized representative of an insured, to any insurance company trade association, or to any trade association of insurance producers.History of Section.P.L. 1948, ch. 2089, § 8; G.L. 1956, § 27-9-28; P.L. 1992, ch. 267, § 2.
RI Gen L § 27-9-29 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-9 - Casualty Insurance Rating|Section 27-9-29 - Review of application of rating system to insured.

§ 27-9-29. Review of application of rating system to insured.Every rating organization and every insurer which makes its own rates shall provide within this state reasonable means by which any person aggrieved by the application of its rating system may be heard, in person or by his or her authorized representative, on his or her written request to review the manner in which the rating system has been applied in connection with the insurance afforded to that person. If the rating organization or insurer fails to grant or reject that request within thirty (30) days after it is made, the applicant may proceed in the same manner as if the applicant's application had been rejected. Any party affected by the action of the rating organization or insurer on that party's request may, within thirty (30) days after written notice of the action, appeal to the commissioner, who, after a hearing held upon not less than ten (10) days written notice to the appellant and to the rating organization or insurer, may affirm or reverse the action.History of Section.P.L. 1948, ch. 2089, § 8; G.L. 1956, § 27-9-29.
RI Gen L § 27-9-30 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-9 - Casualty Insurance Rating|Section 27-9-30 - "Advisory organization" defined.

§ 27-9-30. "Advisory organization" defined.Every group, association, or other organization of insurers, whether located within or outside this state, which assists insurers which make their own filings or rating organizations in rate making, by the collection and furnishing of loss or expense statistics, or by the submission of recommendations, but which does not make filings under this chapter, shall be known as an advisory organization.History of Section.P.L. 1948, ch. 2089, § 9; G.L. 1956, § 27-9-30.
RI Gen L § 27-9-31 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-9 - Casualty Insurance Rating|Section 27-9-31 - Documents filed by advisory organizations.

§ 27-9-31. Documents filed by advisory organizations.Every advisory organization shall file with the commissioner:(1) A copy of its constitution, articles of agreement or association, or certificate of incorporation, and bylaws, rules, and regulations governing its activities;(2) A list of its members;(3) The name and address of a resident of this state upon whom notices or orders of the commissioner or process issued at the commissioner's direction may be served; and(4) An agreement that the commissioner may examine that advisory organization in accordance with the provisions of §§ 27-9-36 and 27-9-37.History of Section.P.L. 1948, ch. 2089, § 9; G.L. 1956, § 27-9-31.
RI Gen L § 27-9-32 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-9 - Casualty Insurance Rating|Section 27-9-32 - Unlawful practices of advisory organizations.

§ 27-9-32. Unlawful practices of advisory organizations.If, after a hearing, the commissioner finds that the furnishing of information or assistance by an advisory organization involves any act or practice which is unfair or unreasonable or inconsistent with the provisions of this chapter, the commissioner may issue a written order specifying in what respects the act or practice is unfair or unreasonable or inconsistent with the provisions of this chapter, and requiring the discontinuance of the act or practice.History of Section.P.L. 1948, ch. 2089, § 9; G.L. 1956, § 27-9-32.
RI Gen L § 27-9-33 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-9 - Casualty Insurance Rating|Section 27-9-33 - Use of information from noncomplying advisory organization.

§ 27-9-33. Use of information from noncomplying advisory organization.No insurer which makes its own filings or any rating organization shall support its filings by statistics, or adopt rate making recommendations, furnished to it by an advisory organization which has not complied with §§ 27-9-30 — 27-9-32, or with an order of the commissioner involving statistics or recommendations issued under § 27-9-32. If the commissioner finds any insurer or rating organization to be in violation of this section the commissioner may issue an order requiring the discontinuance of that violation.History of Section.P.L. 1948, ch. 2089, § 9; G.L. 1956, § 27-9-33.
RI Gen L § 27-9-34 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-9 - Casualty Insurance Rating|Section 27-9-34 - Provisions applicable to joint underwriting and reinsurance.

§ 27-9-34. Provisions applicable to joint underwriting and reinsurance.Every group, association, or other organization of insurers which engages in joint underwriting or joint reinsurance shall be subject to regulation with respect to them as provided in § 27-9-35, subject, with respect to joint underwriting, to all other provisions of this chapter and, with respect to joint reinsurance, to §§ 27-9-36, 27-9-37, and 27-9-44 — 27-9-50.History of Section.P.L. 1948, ch. 2089, § 10; G.L. 1956, § 27-9-34.
RI Gen L § 27-9-35 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-9 - Casualty Insurance Rating|Section 27-9-35 - Unlawful joint underwriting or reinsurance practices.

§ 27-9-35. Unlawful joint underwriting or reinsurance practices.If, after a hearing, the commissioner finds that any activity or practice of any joint underwriting or reinsurance group, association, or other organization is unfair or unreasonable or inconsistent with the provisions of this chapter, the commissioner may issue a written order specifying in what respects the activity or practice is unfair or unreasonable or inconsistent with the provisions of this chapter, and requiring the discontinuance of the activity or practice.History of Section.P.L. 1948, ch. 2089, § 10; G.L. 1956, § 27-9-35.
RI Gen L § 27-9-36 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-9 - Casualty Insurance Rating|Section 27-9-36 - Examination of rating and advisory organizations and underwriting and reinsurance groups.

§ 27-9-36. Examination of rating and advisory organizations and underwriting and reinsurance groups.The commissioner may, as often as he or she may deem it necessary, make or cause to be made an examination of each rating organization licensed in this state as provided in § 27-9-22 and the commissioner may, as often as he or she may deem it expedient, make or cause to be made an examination of each advisory organization referred to in § 27-9-30 and of each group, association, or other organization referred to in § 27-9-34, including any workers' compensation assigned risk servicing carrier or carriers. All such examinations shall be performed in accordance with the requirements of § 27-13.1-1 et seq. The officers, managers, agents, and employees of any rating organization, advisory organization, or group, association, or other organization of insurers, including workers' compensation assigned risk servicing carrier or carriers, may be examined at any time under oath and shall exhibit all books, records, accounts, documents, or agreements governing its method of operation. In lieu of any examination the commissioner may accept the report of an examination made by the insurance supervisory official of another state, pursuant to the laws of that state.History of Section.P.L. 1948, ch. 2089, § 11; G.L. 1956, § 27-9-36; P.L. 1960, ch. 71, art. 1, § 4; P.L. 1992, ch. 31, § 26; P.L. 2008, ch. 371, § 3.
RI Gen L § 27-9-37 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-9 - Casualty Insurance Rating|Section 27-9-37 - Reports on examinations - Hearing and filing.

§ 27-9-37. Reports on examinations — Hearing and filing.The commissioner shall prepare a report of any examination referred to in § 27-9-36 and shall, within a reasonable time following completion of that report, furnish each rating organization, advisory organization, or group, association, or other organization examined with a copy of it. Any rating organization, advisory organization, or group, association, or other organization may, within thirty (30) days after the receipt of a copy of the report, request the commissioner for a hearing, which shall be held by the commissioner upon ten (10) days written notice to the rating organization, advisory organization, group, association, or other organization. Following the hearing the commissioner may affirm, modify, or withdraw his or her report. Any report, or modification of a report, shall be filed following the hearing in the office of the commissioner as a public record, or if no hearing is requested within the period of thirty (30) days, the report shall be filed at the expiration of that period.History of Section.P.L. 1948, ch. 2089, § 11; G.L. 1956, § 27-9-37.
RI Gen L § 27-9-38 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-9 - Casualty Insurance Rating|Section 27-9-38 - Collection and compilation of experience data.

§ 27-9-38. Collection and compilation of experience data.The commissioner shall promulgate reasonable rules and statistical plans reasonably adapted to each of the rating systems on file with the commissioner, which may be modified and which shall be used after this by each insurer in the recording and reporting of its loss and country wide expense experience, in order that the experience of all insurers may be made available at least annually in a form and detail as may be necessary to aid him or her in determining whether rating systems comply with the standards set forth in §§ 27-9-4 — 27-9-6. Those rules and plans may also provide for the recording and reporting of expense experience items which are specially applicable to the state and are not susceptible of determination by a prorating of country wide expense experience. In promulgating those rules and plans, the commissioner shall give due consideration to the rating systems on file with him or her and, in order that those rules and plans may be as uniform as is practicable among the several states, to the rules and to the form of the plans used for the rating systems in other states. No insurer shall be required to record or report its loss experience on a classification basis that is inconsistent with the rating system filed by it. The commissioner may designate one or more rating organizations or other agencies to assist the commissioner in gathering that experience and making compilations of it, and those compilations shall be made available, subject to reasonable rules promulgated by the commissioner, to insurers and rating organizations.History of Section.P.L. 1948, ch. 2089, § 12; G.L. 1956, § 27-9-38.
RI Gen L § 27-9-39 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-9 - Casualty Insurance Rating|Section 27-9-39 - Interchange of rating plan data.

§ 27-9-39. Interchange of rating plan data.Reasonable rules and plans may be promulgated by the commissioner for the interchange of data necessary for the application of rating plans.History of Section.P.L. 1948, ch. 2089, § 12; G.L. 1956, § 27-9-39.
RI Gen L § 27-9-40 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-9 - Casualty Insurance Rating|Section 27-9-40 - Cooperation with other states.

§ 27-9-40. Cooperation with other states.In order to further the uniform administration of rate regulatory laws, the commissioner and every insurer and rating organization may exchange information and experience data with insurance supervisory officials, insurers, and rating organizations in other states and may consult and cooperate with them with respect to rate making and the application of rating systems.History of Section.P.L. 1948, ch. 2089, § 12; G.L. 1956, § 27-9-40.
RI Gen L § 27-9-41 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-9 - Casualty Insurance Rating|Section 27-9-41 - Rules and regulations.

§ 27-9-41. Rules and regulations.The commissioner may make reasonable rules and regulations necessary to effect the purposes of this chapter.History of Section.P.L. 1948, ch. 2089, § 12; G.L. 1956, § 27-9-41.
RI Gen L § 27-9-42 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-9 - Casualty Insurance Rating|Section 27-9-42 - False or misleading information.

§ 27-9-42. False or misleading information.No person or organization shall willfully withhold information from or knowingly give false or misleading information to the commissioner, to any statistical agency designated by the commissioner, to any rating organization, or to any insurer, which will affect the rates or premiums chargeable under this chapter. A violation of this section shall subject the one guilty of that violation to the penalties provided in §§ 27-9-45 and 27-9-46.History of Section.P.L. 1948, ch. 2089, § 13; G.L. 1956, § 27-9-42.
RI Gen L § 27-9-43 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-9 - Casualty Insurance Rating|Section 27-9-43 - Assigned risk agreements - Modification of rates.

§ 27-9-43. Assigned risk agreements — Modification of rates.(a) Agreements may be made among insurers with respect to the equitable apportionment among them of insurance which may be afforded applicants who are in good faith entitled to but who are unable to procure insurance through ordinary methods, and insurers may agree among themselves on the use of reasonable rate modifications for that insurance, those agreements and rate modifications to be subject to the approval of the commissioner.(b) All of the manuals of classifications, rules and rates, rating plans, and rating systems, and every modification of these, to be used by insurers pursuant to assigned risk agreements shall be filed with the commissioner pursuant to § 27-9-8 and shall be used by all insurers writing workers' compensation and employers' liability insurance in this state, notwithstanding any provision of § 27-9-8 to the contrary.History of Section.P.L. 1948, ch. 2089, § 14; G.L. 1956, § 27-9-43; P.L. 1982, ch. 32, art. 5, § 1.
RI Gen L § 27-9-45 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-9 - Casualty Insurance Rating|Section 27-9-45 - Penalty for violations.

§ 27-9-45. Penalty for violations.Any person or organization willfully violating any provision of this chapter shall, upon their conviction, be fined not less than one hundred dollars ($100) and not more than five hundred dollars ($500) for each violation. That penalty may be in addition to any other penalty provided by law.History of Section.P.L. 1948, ch. 2089, § 16; G.L. 1956, § 27-9-45.
RI Gen L § 27-9-46 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-9 - Casualty Insurance Rating|Section 27-9-46 - Suspension or revocation of licenses.

§ 27-9-46. Suspension or revocation of licenses.(a) The commissioner may suspend the license of any rating organization or insurer, which fails to comply with an order of the commissioner within the time limited by that order, or any extension of time which the commissioner may grant. The commissioner shall not suspend the license of any rating organization or insurer for failure to comply with an order until the time prescribed for an appeal has expired or, if an appeal has been taken, until the order has been affirmed.(b) The commissioner may determine when a suspension of a license shall become effective and it shall remain in effect for the period fixed by the commissioner, unless he or she modifies or rescinds the suspension, or until the order upon which the suspension is based is modified, rescinded, or reversed.(c) No license shall be suspended or revoked except upon a written order of the commissioner, stating his or her findings, made after a hearing held upon not less than ten (10) days written notice to the person or organization affected specifying the alleged violation.History of Section.P.L. 1948, ch. 2089, § 16; G.L. 1956, § 27-9-46.
RI Gen L § 27-9-47 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-9 - Casualty Insurance Rating|Section 27-9-47 - Hearings on rules and decisions of commissioner.

§ 27-9-47. Hearings on rules and decisions of commissioner.Any insurer or rating organization aggrieved by any order or decision of the commissioner or by any rule or regulation adopted and promulgated by the commissioner may within thirty (30) days after notice to the insurer or organization make a written request to the commissioner for a hearing, except that a hearing provided for by §§ 27-9-16 — 27-9-21 shall be held as provided in those sections. Within twenty (20) days after the receipt of that written request the commissioner shall hear the party or parties and shall give not less than ten (10) days written notice of the time and place of the hearing. Within fifteen (15) days after the hearing the commissioner shall affirm, reverse, or modify his or her previous action, specifying his or her reasons. Pending the hearing and decision the commissioner may suspend or postpone the effective date of his or her previous action.History of Section.P.L. 1948, ch. 2089, § 17; G.L. 1956, § 27-9-47.
RI Gen L § 27-9-48, 27-9-49 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-9 - Casualty Insurance Rating|Section 27-9-48, 27-9-49 - Repealed.

§ 27-9-48, 27-9-49. Repealed.
RI Gen L § 27-9-50 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-9 - Casualty Insurance Rating|Section 27-9-50 - Severability.

§ 27-9-50. Severability.If any section, subsection, subdivision, paragraph, sentence, or clause of this chapter is held invalid or unconstitutional, that decision shall not affect the remaining portions of this chapter.History of Section.P.L. 1948, ch. 2089, § 19; G.L. 1956, § 27-9-50.
RI Gen L § 27-9-51 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-9 - Casualty Insurance Rating|Section 27-9-51 - Repealed.

§ 27-9-51. Repealed.History of Section.P.L. 1982, ch. 32, art. 4, § 1; P.L. 2002, ch. 292, § 25; Repealed by P.L. 2017, ch. 195, § 1, effective July 18, 2017; P.L. 2017, ch. 372, § 1, effective October 4, 2017.
RI Gen L § 27-9-52 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-9 - Casualty Insurance Rating|Section 27-9-52 - Assessment for costs of rate filings, review, and pricing.

§ 27-9-52. Assessment for costs of rate filings, review, and pricing.The director of the department of business regulation may appoint actuaries and any other required administrative personnel to assist the director in the performance of his or her duties relating to the evaluation of rate filings, reviews, and pricing procedures of insurers; the actuaries and other administrative personnel shall serve under the direction of the director and shall be removable at the director's pleasure. The director is authorized to enter into contracts with consultants for the purpose of studying rate filings, reviews, and pricing procedures of insurers. Insurance companies doing insurance in this state shall be assessed according to a schedule of their direct writings of insurance in this state to pay for the compensation of the actuaries, consultants, and other administrative personnel retained hereunder. This assessment shall comply with the provisions pursuant to chapter 37 of title 28.History of Section.P.L. 1982, ch. 32, art. 5, § 2; P.L. 1989, ch. 126, art. 34, § 1; P.L. 1999, ch. 31, art. 8, § 5; P.L. 1999, ch. 216, § 4; P.L. 1999, ch. 384, § 4; P.L. 2005, ch. 174, § 4.
RI Gen L § 27-9-53 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-9 - Casualty Insurance Rating|Section 27-9-53 - Motor vehicle insurance rate increases relating to violations and accidents.

§ 27-9-53. Motor vehicle insurance rate increases relating to violations and accidents.Any insurance group, carrier, or company, in establishing any rate of insurance or rating system relative to a motor vehicle policy which provides for premium or rate increases based on accidents or moving or other chargeable violations, shall consider and include in those rates or rating system only those accidents or moving or other chargeable violations, which have occurred within three (3) years of the most recent accident or moving or other chargeable violation.History of Section.P.L. 1989, ch. 512, § 1.
RI Gen L § 27-9-54 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-9 - Casualty Insurance Rating|Section 27-9-54 - Rules and regulations - Auto insurance buyer's guide.

§ 27-9-54. Rules and regulations — Auto insurance buyer's guide.(a) The director of the department of business regulation is authorized and empowered to promulgate rules and regulations to compile data regarding automobile insurance premiums. Those rules shall be promulgated in accordance with the Administrative Procedures Act, chapter 35 of title 42.(b) The director of the department of business regulation shall formulate a plan for the publication of the automobile insurance premiums, including but not limited to, an automobile insurance buyer's guide and rate comparison booklet.History of Section.P.L. 1993, ch. 152, § 1.
RI Gen L § 27-9-55 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-9 - Casualty Insurance Rating|Section 27-9-55 - Repealed.

§ 27-9-55. Repealed.History of Section.P.L. 1993, ch. 152, § 1; Repealed by P.L. 2011, ch. 158, § 2, effective June 30, 2011; P.L. 2011, ch. 274, § 2, effective July 12, 2011.