reglab/housing_qa huggingface dataset:
MN Stat § 72A.43 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 72A — Insurance Industry Trade Practices|Section 72A.43 — Service Of Process Upon Unauthorized Company By Commissioner.

72A.43 SERVICE OF PROCESS UPON UNAUTHORIZED COMPANY BY COMMISSIONER. Subdivision 1. Appointment of agent. Any act of entering into a contract of insurance or annuity as an insurer or transacting insurance business in this state as set forth in subdivision 2 of section 72A.41, by an unauthorized company is equivalent to and shall constitute an appointment by such company of the commissioner of commerce and a successor or successors in office to be its true and lawful attorney upon whom may be served all lawful process in any action or proceeding against it, arising out of a violation of section 72A.41, and any of such acts shall be a signification of its agreement that any such process against it which is so served shall be of the same legal force and validity as personal service of process in this state upon such company. Subd. 2. How made. Service of such process shall be made in compliance with section 45.028, subdivision 2. Subd. 3. Postponement of service. The court in any action or proceeding in which service is made in the manner provided in subdivision 2 may, in its discretion, order such postponement as may be necessary to afford such company reasonable opportunity to defend such action or proceeding. Nothing in this section is to be construed to prevent an unauthorized company from filing a motion to quash a writ or to set aside service thereof made in the manner provided in subdivision 2 on the ground that such unauthorized company has not done any of the acts referred to in subdivision 1. Subd. 4. Judgment by default. No judgment by default shall be entered in any such action or proceeding until the expiration of 30 days from the date of the filing of the affidavit of compliance. Subd. 5. Other law. Nothing contained in this section shall limit or affect the right to serve any process, notice or demand required or permitted by law to be served upon any company in any other manner now or hereafter permitted by law. History:  1967 c 590 s 4; 1978 c 674 s 60; 1984 c 618 s 3,4; 1986 c 444; 1Sp1986 c 3 art 1 s 82; 1992 c 564 art 2 s 9
MN Stat § 72A.44 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 72A — Insurance Industry Trade Practices|Section 72A.44 — Penalty.

72A.44 PENALTY. Any company that violates subdivision 1 of section 72A.41, shall be required to pay a penalty of not less than $100 nor more than $1,000 for each offense, to be recovered on behalf of the state. History:   1967 c 590 s 5
MN Stat § 72A.49 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 72A — Insurance Industry Trade Practices|Section 72A.49 — Short Title.

72A.49 SHORT TITLE. Sections 72A.49 to 72A.505 may be cited as the "Minnesota Insurance Fair Information Reporting Act." History:   1989 c 316 s 2
MN Stat § 72A.492 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 72A — Insurance Industry Trade Practices|Section 72A.492 — Scope.

72A.492 SCOPE. Subdivision 1. Covered policies. The obligations imposed by sections 72A.49 to 72A.505 apply to insurers, insurance agents, and insurance-support organizations that: (1) collect, receive, or maintain information in connection with insurance transactions that pertains to persons who are residents of this state; or (2) engage in insurance transactions with applicants, individuals, or policyholders who are residents of this state. Subd. 2. Covered persons. The rights granted by sections 72A.49 to 72A.505 extend to a person who is the subject of information collected, received, or maintained in connection with an insurance transaction and who is a resident of this state. Subd. 3. Exceptions. (a) Sections 72A.49 to 72A.505 do not apply to information collected from the public records of a governmental authority and maintained by an insurance company or its representatives to insure the title to real property located in this state. (b) Nothing in sections 72A.49 to 72A.505 gives a patient access to the health records pertaining to the patient maintained by the patient's health provider, or gives the patient the right to alter or amend those health records, unless otherwise provided by law. (c) Sections 72A.49 to 72A.505 do not apply to any insurance transactions involving property and casualty insurance primarily for business or professional needs. History:  1989 c 316 s 4; 2010 c 384 s 34
MN Stat § 72A.493 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 72A — Insurance Industry Trade Practices|Section 72A.493 — Obtaining Information By Improper Means.

72A.493 OBTAINING INFORMATION BY IMPROPER MEANS. An insurer, insurance agent, or insurance-support organization must not obtain information or authorize another person to obtain information in connection with an insurance transaction by: (1) pretending to be someone else; (2) pretending to represent a person; (3) misrepresenting the true purpose of the interview; or (4) refusing to provide identification upon request. History:  1986 c 444; 1989 c 316 s 5
MN Stat § 72A.494 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 72A — Insurance Industry Trade Practices|Section 72A.494 — Notice.

72A.494 NOTICE. Subdivision 1. Required. Each insurer or insurance agent shall provide a notice relating to information practices to each applicant or policyholder in the manner and at the time required by this section. Subd. 2. Exemption. A notice is not required to be provided under this section for: (1) a group policy or contract that is not individually underwritten; or (2) a renewal, reinstatement, or a change in benefits for a policy or contract if no personal information is to be collected other than from the applicant or policyholder, or from public records. Subd. 3. Timing. (a) In the case of an application for insurance coverage, the notice must be provided to the applicant or policyholder no later than the time application is made for the coverage, renewal, reinstatement, or change in benefits. (b) If personal information is to be collected only from the applicant or from public records, the notice may be provided at the time of delivery of the policy or the certificate. Subd. 4. Content of notice. The notice required by this section must be in writing and state: (1) whether personal information may be collected from persons other than the individual or individuals proposed for coverage; (2) the types of personal information that may be collected and the types of sources and investigative techniques that may be used to collect the information; (3) the types of disclosures of personal information that may be made under section 72A.501 and the circumstances under which the disclosures may be made without prior authorization; except that only those circumstances which occur with such frequency as to indicate a general business practice must be described; (4) a description of the rights established under sections 72A.497 and 72A.498 and the manner in which those rights may be exercised; and (5) that information obtained from a report prepared by an insurance-support organization may be retained by the insurance-support organization and disclosed to other persons. Subd. 5. Abbreviated notice. In lieu of the notice required under subdivision 4, the insurer or insurance agent may provide an abbreviated notice informing the applicant or policyholder that: (1) personal information may be collected from persons other than the person or persons proposed for coverage; (2) the information collected by the insurer or insurance agent may in certain circumstances be disclosed to third parties without authorization; (3) the person has a right to see their personal records and correct personal information collected; and (4) the person will be furnished the detailed notice required under subdivision 4 upon request. Subd. 6. Other companies or agencies acting on its behalf. The obligations imposed by this section upon an insurer or insurance agent may be satisfied by another insurer or insurance agent authorized to act on its behalf. History:   1989 c 316 s 6
MN Stat § 72A.495 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 72A — Insurance Industry Trade Practices|Section 72A.495 — Marketing And Research Surveys.

72A.495 MARKETING AND RESEARCH SURVEYS. An insurer or insurance agent shall clearly specify any questions designed to obtain information solely for marketing or research purposes from an individual in connection with an insurance transaction, and state that responses to the questions are not required to obtain coverage. History:   1989 c 316 s 7
MN Stat § 72A.496 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 72A — Insurance Industry Trade Practices|Section 72A.496 — Investigative Consumer Reports.

72A.496 INVESTIGATIVE CONSUMER REPORTS. Subdivision 1. Notice. An insurer, insurance agent, or insurance-support organization must not prepare or request an investigative consumer report about an individual in connection with an insurance transaction involving an application for insurance, a policy renewal, a policy reinstatement, or a change in insurance benefits, unless the insurer or insurance agent informs the person: (1) that the individual may request to be interviewed in connection with the preparation of the investigative consumer report; and (2) that, upon a request pursuant to section 72A.497, the individual is entitled to receive a copy of the investigative consumer report. Subd. 2. Reports prepared by insurers. If an investigative consumer report is to be prepared by an insurer or insurance agent, the insurer or insurance agent shall institute reasonable procedures to conduct a personal interview requested by an individual. Subd. 3. Reports prepared by insurance-support organizations. If an investigative consumer report is to be prepared by an insurance-support organization, the insurer or insurance agent desiring the report shall inform the insurance-support organization whether a personal interview has been requested by the individual. The insurance-support organization shall institute reasonable procedures for conducting an interview, if requested. History:   1989 c 316 s 8
MN Stat § 72A.50 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 72A — Insurance Industry Trade Practices|Section 72A.50 — Previous Adverse Underwriting Decisions.

72A.50 PREVIOUS ADVERSE UNDERWRITING DECISIONS. Subdivision 1. Additional information required. An insurer, insurance agent, or insurance-support organization must not seek information in connection with an insurance transaction concerning any previous adverse underwriting decision experienced by a person, or any previous insurance coverage obtained by a person through a residual market mechanism, unless the inquiry also requests the reasons for the previous adverse underwriting decision or the reasons why insurance coverage was previously obtained through a residual market mechanism. Subd. 2. Prohibitions. An insurer or insurance agent may not base an adverse underwriting decision, in whole or in part, on: (1) the fact of a previous adverse underwriting decision or the fact that a person previously obtained insurance coverage through a residual market mechanism, provided that an insurer or insurance agent may base an adverse underwriting decision on further information obtained from an insurer or insurance agent responsible for a previous adverse underwriting decision; or (2) personal information received from an insurance-support organization whose primary source of information is insurers, provided that an insurer or insurance agent may base an adverse underwriting decision on further personal information obtained as the result of information received from the insurance-support organization. History:   1989 c 316 s 12
MN Stat § 72A.503 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 72A — Insurance Industry Trade Practices|Section 72A.503 — Private Remedies.

72A.503 PRIVATE REMEDIES. Subdivision 1. Liability. Any insurer, insurance agent, or insurance-support organization that violates sections 72A.49 to 72A.505 is liable to the aggrieved person for that violation to the same extent as civil remedies are otherwise allowed in section 13.08, subdivision 1, for violations of chapter 13, by a political subdivision, responsible authority, statewide system, or statewide agency. Subd. 2. Equitable relief. Upon application by an aggrieved person, a court of competent jurisdiction may grant equitable and declaratory relief as necessary to enforce the requirements of sections 72A.49 to 72A.505. History:   1989 c 316 s 15
MN Stat § 72A.504 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 72A — Insurance Industry Trade Practices|Section 72A.504 — Obtaining Information Under Improper Means.

72A.504 OBTAINING INFORMATION UNDER IMPROPER MEANS. Any person who knowingly and willfully obtains information about a person in violation of section 72A.493 is subject to a fine not to exceed $3,000 or imprisonment not to exceed one year, or both. History:   1989 c 316 s 16
MN Stat § 72A.505 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 72A — Insurance Industry Trade Practices|Section 72A.505 — Immunity.

72A.505 IMMUNITY. No cause of action in the nature of defamation, invasion of privacy, or negligence may arise against an insurer, insurance agent, or insurance-support organization for disclosing personal or privileged information required to be disclosed under sections 72A.20, subdivision 11, and 72A.49 to 72A.504, provided no immunity exists for disclosing false information with malice or willful intent to injure any person. History:   1989 c 316 s 17
MN Stat § 72A.51 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 72A — Insurance Industry Trade Practices|Section 72A.51 — Right To Cancel.

72A.51 RIGHT TO CANCEL. Subdivision 1. Date of purchase defined. For the purposes of this section and section 72A.52 "date of purchase" means the date on which the purchaser receives a copy of the policy or contract. Subd. 2. Return of policy or contract; notice. Any individual person may cancel an individual policy of insurance against loss or damage by reason of the sickness of the assured or the assured's dependents, a nonprofit health service plan contract providing benefits for hospital, surgical and medical care, a health maintenance organization subscriber contract, or a policy of insurance authorized by section 60A.06, subdivision 1, clause (4), except Medicare-related coverage as defined in section 62A.3099, subdivision 17, and long-term care insurance as defined in section 62S.01, subdivision 18, by returning the policy or contract and by giving written notice of cancellation any time before midnight of the tenth day following the date of purchase. Notice of cancellation may be given personally or by mail. The policy or contract may be returned personally or by mail. If by mail, the notice or return of the policy or contract is effective upon being postmarked, properly addressed and postage prepaid. Subd. 3. Refund of consideration. With the exception of a variable annuity contract issued pursuant to sections 61A.13 to 61A.21, a person's cancellation of an insurance policy or contract under this section and section 72A.52 is without liability and the person is entitled to a refund of the entire consideration paid for the policy or contract within ten days after notice of cancellation and the returned policy or contract are received by the insurer or its agent. Cancellation under this section and section 72A.52 of a variable annuity contract issued pursuant to sections 61A.13 to 61A.21 shall entitle a person to an amount equal to the sum of (a) the difference between the premiums paid including any contract fees or other charges and the amounts allocated to any separate accounts under the contract and (b) the cash value of the contract, or, if the contract does not have a cash value, the reserve for the contract, on the date the returned contract is received by the insurer or its agent. Cancellation of an insurance policy or contract under this section or section 72A.52 makes the policy or contract void from its inception. Subd. 4. Waiver or surrender prohibited. A person may not waive or surrender a right to cancel an insurance policy or contract under this section and section 72A.52. History:  1977 c 178 s 1; 1980 c 354 s 1; 1986 c 444; 2008 c 344 s 47; 2010 c 384 s 35
MN Stat § 72A.52 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 72A — Insurance Industry Trade Practices|Section 72A.52 — Notice Requirements.

72A.52 NOTICE REQUIREMENTS. Subdivision 1. Contents. In addition to all other legal requirements a policy or contract of insurance described in section 72A.51 shall show the name and address of the insurer and the seller of the policy or contract and shall include a notice, clearly and conspicuously in boldface type of a minimum size of ten points, which shall include the following elements: (1) a minimum of ten days to cancel the policy beginning on the date the policy is received by the owner; (2) if the policy is a replacement policy, a minimum of 30 days beginning on the date the policy is received by the owner. Pursuant to section 61A.57, this requirement may also be provided in a separate written notice that is delivered with the policy or contract; (3) a requirement for the return of the policy to the company or an agent of the company; (4) a statement that the policy is considered void from the beginning; (5) for policies or contracts other than a variable annuity or a variable life policy, a statement that the insurer will refund all premiums paid, including any fees or charges, if the policy is returned; and (6) a statement describing when the cancellation becomes effective. The insurer must return all payments made for this policy within ten days after it receives notice of cancellation and the returned policy. For variable annuity contracts issued pursuant to sections 61A.13 to 61A.21, this notice shall be suitably modified so as to notify the purchaser that the purchaser is entitled to a refund of the amount calculated in accordance with the provisions of section 72A.51, subdivision 3. For variable life insurance policies, this notice must be suitably modified so as to notify the purchaser that the purchaser is entitled to a refund of: (i) the premiums paid; or (ii) the variable account value plus any amount deducted from the portion of the premium applied to the account. Subd. 2. Noncompliance; cancellation. If a policy or contract of insurance covered by this section is sold without compliance with subdivision 1, the policy or contract may be canceled by the purchaser at any time within one year after the date of purchase by returning the policy or contract and by giving written notice of cancellation to the insurer or its agent. If a purchaser cancels a policy or contract under this subdivision, the insurer must return the entire consideration paid for the policy or contract within ten days after receiving notice of cancellation and the returned policy or contract, except that if the contract is a variable annuity contract issued pursuant to sections 61A.13 to 61A.21, the insurer shall refund to the purchaser an amount calculated in accordance with the provisions of section 72A.51, subdivision 3. History:  1977 c 178 s 2; 1980 c 354 s 2; 1986 c 444; 2007 c 104 s 19; 2008 c 344 s 48
MN Stat § 72B.01 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 72B — Insurance Adjusters|Section 72B.01 — Purpose And Scope.

72B.01 PURPOSE AND SCOPE. It is the purpose of sections 72B.01 to 72B.14 to provide high quality service to insureds and insurance claimants in the state of Minnesota by providing for well trained adjusters and persons engaged in soliciting business for adjusters, who are qualified to deal with the public in the interest of a fair resolution of insurance claims. History:  1971 c 704 s 1; 1979 c 141 s 1; 1986 c 444; 2010 c 384 s 36
MN Stat § 72B.045 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 72B — Insurance Adjusters|Section 72B.045 — Continuing Education.

72B.045 CONTINUING EDUCATION. Subdivision 1. Requirement. An individual who holds an independent or public adjuster license and who is not exempt under this section must satisfactorily complete a minimum of 24 hours of continuing education courses, of which three hours must be in ethics, reported to the commissioner on a biennial basis in conjunction with the individual's license renewal cycle. Subd. 2. Exceptions. This section does not apply to: (1) a licensee not licensed for one full year prior to the end of the applicable continuing education biennium; or (2) a licensee holding a nonresident adjuster license who has met the continuing education requirements of the licensee's designated home state. History:  2009 c 63 s 46,78; 2010 c 384 s 38
MN Stat § 72B.05 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 72B — Insurance Adjusters|Section 72B.05 — Nonresidents.

72B.05 NONRESIDENTS. (a) Unless refused licensure pursuant to section 72B.08, a nonresident person shall receive a nonresident adjuster license if: (1) the person is currently licensed in good standing as an adjuster in the person's resident or home state; (2) the person has submitted the proper request for licensure and has paid the fees required by section 72B.041, subdivision 9; (3) the person has submitted or transmitted to the commissioner the appropriate completed application for licensure; and (4) the person's designated home state awards nonresident adjuster licenses to persons of this state on the same basis. (b) The commissioner may verify the adjuster's licensing status through any appropriate database, including the producer database maintained by the National Association of Insurance Commissioners, its affiliates, or its subsidiaries, or may request certification of good standing as described in section 72B.041, subdivision 5. (c) As a condition to the continuation of a nonresident adjuster license, the licensee must maintain a resident adjuster license in the licensee's home state. The nonresident adjuster license issued under this chapter must terminate and be surrendered immediately to the commissioner if the resident adjuster license terminates for any reason, unless the termination is due to the adjuster being issued a new resident adjuster license in the adjuster's new home state. The new state resident adjuster license must have reciprocity with the licensing nonresident states, otherwise, the nonresident adjuster license must terminate. Notice of resident adjuster license termination must be given to any state that issued a nonresident adjuster license. Notice must be given within 30 days of the termination date; if terminated for change in the resident home state, then the notice must include both the previous and current address. Maintaining a resident adjuster license is required for the nonresident adjuster license to remain valid. (d) No resident of Canada may be licensed under this section, unless the applicant is licensed as a resident adjuster under the laws of another state, except that such applicant shall not be subject to section 270C.72, subdivision 4. History:  1971 c 704 s 5; 1986 c 444; 1995 c 258 s 54; 2009 c 63 s 47,78; 2011 c 95 s 6
MN Stat § 72B.055 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 72B — Insurance Adjusters|Section 72B.055 — Multiple Peril Crop Insurance Adjustments.

72B.055 MULTIPLE PERIL CROP INSURANCE ADJUSTMENTS. A licensed crop hail adjuster who has satisfactorily completed the loss adjustment training curriculum and competency testing required by the Federal Crop Insurance Corporation (FCIC) Standard Reinsurance Agreement may act as an adjuster in this state in regard to Multiple Peril Crop Insurance policies regulated by the FCIC. History:   2011 c 108 s 40