reglab/housing_qa huggingface dataset:
TX Ins Code § 551.106 (2021)
2021 Texas Statutes|Insurance Code|Title 5 - Protection of Consumer Interests|Subtitle C - Deceptive, Unfair, and Prohibited Practices|Chapter 551 - Practices Relating to Declination, Cancellation, and Nonrenewal of Insurance Policies|Subchapter C. Declination, Cancellation, and Nonrenewal Of|Section 551.106. Renewal and Reinstatement of Personal Automobile Insurance Policies

Sec. 551.106.  RENEWAL AND REINSTATEMENT OF PERSONAL AUTOMOBILE INSURANCE POLICIES.  (a)  An insurer may not refuse to renew a personal automobile insurance policy solely because of the age of the person covered by the policy.(b)  An insurer shall renew a personal automobile insurance policy that was written for a term of less than one year, except that the insurer may refuse to renew the policy on any 12-month anniversary of the original effective date of the policy.(c)  An insurer may reinstate a personal automobile insurance policy canceled for nonpayment of premium if the premium owed is paid not later than the 60th day after date of cancellation. Coverage under the policy lapses on the date of cancellation and is not again effective until the date the payment is received by the insurer.  Premium is not owed for any period in which the policy is not in effect.|Added by Acts 2003, 78th Leg., ch. 1274, Sec. 2, eff. April 1, 2005.Amended by: Acts 2005, 79th Leg., Ch. 1159 (H.B. 3300), Sec. 1, eff. June 18, 2005.Acts 2005, 79th Leg., Ch. 1159 (H.B. 3300), Sec. 2, eff. June 18, 2005.|
TX Ins Code § 551.107 (2021)
2021 Texas Statutes|Insurance Code|Title 5 - Protection of Consumer Interests|Subtitle C - Deceptive, Unfair, and Prohibited Practices|Chapter 551 - Practices Relating to Declination, Cancellation, and Nonrenewal of Insurance Policies|Subchapter C. Declination, Cancellation, and Nonrenewal Of|Section 551.107. Renewal of Certain Policies; Premium Surcharge Authorized; Notice

Sec. 551.107.  RENEWAL OF CERTAIN POLICIES;  PREMIUM SURCHARGE AUTHORIZED;  NOTICE.  (a)  This section applies only to a standard fire, homeowners, or farm or ranch owners insurance policy.(b)  A claim under this section does not include a claim:(1)  resulting from a loss caused by natural causes;(2)  that is filed but is not paid or payable under the policy; or(3)  that an insurer is prohibited from using under Section 544.353.(c)  An insurer may assess a premium surcharge at the time an insurance policy is renewed if the insured has filed two or more claims in the preceding three policy years.  The amount of the surcharge must be based on sound actuarial principles.(d)  Subject to Subsection (e), an insurer may refuse to renew an insurance policy if the insured has filed three or more claims under the policy in any three-year period.(e)  An insurer may notify an insured who has filed two claims in a period of less than three years that the insurer may refuse to renew the policy if the insured files a third claim during the three-year period.  If the insurer does not notify the insured in accordance with this subsection, the insurer may not refuse to renew the policy because of claims. The notice form must:(1)  list the policyholder's claims; and(2)  contain the sentence:  "The filing by you of another claim, except for a claim resulting from a loss caused by natural causes, a claim filed but not paid or payable under the policy under which it was filed, or an appliance-related claim that we are prohibited from using under Section 544.353, Texas Insurance Code, could cause us to refuse to renew your policy."(f)  In this section, "premium surcharge" means an additional amount that is added to the base rate.  The term does not include a reduction or elimination of a discount previously received by an insured, reassignment of an insured from one rating tier to another, re-rating an insured, or re-underwriting an insured by using multiple affiliates.(g)  The commissioner shall adopt rules as necessary to implement this section.|Added by Acts 2003, 78th Leg., ch. 1274, Sec. 2, eff. April 1, 2005.Amended by: Acts 2005, 79th Leg., Ch. 291 (S.B. 14), Sec. 5, eff. September 1, 2005.Acts 2007, 80th Leg., R.S., Ch. 252 (S.B. 978), Sec. 1, eff. September 1, 2007.Acts 2007, 80th Leg., R.S., Ch. 730 (H.B. 2636), Sec. 2D.013, eff. April 1, 2009.|
TX Ins Code § 551.108 (2021)
2021 Texas Statutes|Insurance Code|Title 5 - Protection of Consumer Interests|Subtitle C - Deceptive, Unfair, and Prohibited Practices|Chapter 551 - Practices Relating to Declination, Cancellation, and Nonrenewal of Insurance Policies|Subchapter C. Declination, Cancellation, and Nonrenewal Of|Section 551.108. Insurer Records

Sec. 551.108.  INSURER RECORDS.  (a)  An insurer shall maintain information regarding cancellation or nonrenewal of insurance policies in accordance with the insurer's ordinary practices for maintaining records of expired policies.(b)  The insurer shall make the information available to the department on request.|Added by Acts 2003, 78th Leg., ch. 1274, Sec. 2, eff. April 1, 2005.|
TX Ins Code § 551.109 (2021)
2021 Texas Statutes|Insurance Code|Title 5 - Protection of Consumer Interests|Subtitle C - Deceptive, Unfair, and Prohibited Practices|Chapter 551 - Practices Relating to Declination, Cancellation, and Nonrenewal of Insurance Policies|Subchapter C. Declination, Cancellation, and Nonrenewal Of|Section 551.109. Insurer Statement

Sec. 551.109.  INSURER STATEMENT.  An insurer shall, at the request of an applicant for insurance or an insured, provide a written statement of the reason for a declination, cancellation, or nonrenewal of an insurance policy.  The statement must comply with:(1)  Sections 551.002(b) and (c);  and(2)  rules adopted under Section 551.002(d).|Added by Acts 2003, 78th Leg., ch. 1274, Sec. 2, eff. April 1, 2005.|
TX Ins Code § 551.110 (2021)
2021 Texas Statutes|Insurance Code|Title 5 - Protection of Consumer Interests|Subtitle C - Deceptive, Unfair, and Prohibited Practices|Chapter 551 - Practices Relating to Declination, Cancellation, and Nonrenewal of Insurance Policies|Subchapter C. Declination, Cancellation, and Nonrenewal Of|Section 551.110. Liability for Disclosure

Sec. 551.110.  LIABILITY FOR DISCLOSURE.  An insurer or agent or an employee of an insurer or agent is not liable for a notice, statement, or disclosure made in good faith under this subchapter unless the notice, statement, or disclosure was:(1)  known to be false; or(2)  made with malice or wilful intent to injure any person.|Added by Acts 2003, 78th Leg., ch. 1274, Sec. 2, eff. April 1, 2005.Amended by: Acts 2017, 85th Leg., R.S., Ch. 60 (S.B. 417), Sec. 3, eff. September 1, 2017.|
TX Ins Code § 551.111 (2021)
2021 Texas Statutes|Insurance Code|Title 5 - Protection of Consumer Interests|Subtitle C - Deceptive, Unfair, and Prohibited Practices|Chapter 551 - Practices Relating to Declination, Cancellation, and Nonrenewal of Insurance Policies|Subchapter C. Declination, Cancellation, and Nonrenewal Of|Section 551.111. Effect of Noncompliance

Sec. 551.111.  EFFECT OF NONCOMPLIANCE.  A cancellation of an insurance policy made in violation of this subchapter has no effect.|Added by Acts 2003, 78th Leg., ch. 1274, Sec. 2, eff. April 1, 2005.|
TX Ins Code § 551.112 (2021)
2021 Texas Statutes|Insurance Code|Title 5 - Protection of Consumer Interests|Subtitle C - Deceptive, Unfair, and Prohibited Practices|Chapter 551 - Practices Relating to Declination, Cancellation, and Nonrenewal of Insurance Policies|Subchapter C. Declination, Cancellation, and Nonrenewal Of|Section 551.112. Rules

Sec. 551.112.  RULES.  The commissioner may adopt rules relating to the cancellation and nonrenewal of insurance policies.|Added by Acts 2003, 78th Leg., ch. 1274, Sec. 2, eff. April 1, 2005.|
TX Ins Code § 551.113 (2021)
2021 Texas Statutes|Insurance Code|Title 5 - Protection of Consumer Interests|Subtitle C - Deceptive, Unfair, and Prohibited Practices|Chapter 551 - Practices Relating to Declination, Cancellation, and Nonrenewal of Insurance Policies|Subchapter C. Declination, Cancellation, and Nonrenewal Of|Section 551.113. Declination, Nonrenewal, or Cancellation Prohibited; Consideration of Consumer Inquiry

Sec. 551.113.  DECLINATION, NONRENEWAL, OR CANCELLATION PROHIBITED; CONSIDERATION OF CONSUMER INQUIRY.  (a)  This section applies only to:(1)  a standard fire, homeowners, or farm and ranch owners insurance policy; or(2)  a personal automobile insurance policy.(b)  When deciding to issue or to decline to issue an insurance policy to an applicant for insurance, an insurer may not consider a customer inquiry as a basis for declination.(b-1)  An insurer may not consider a customer inquiry as a basis for nonrenewal or cancellation of an insurance policy.(c)  For purposes of this section, "customer inquiry" means a telephone call or other communication made to an insurer that does not result in an investigation or claim and that is in regard to the general terms or conditions of or coverage offered under an insurance policy.  The term includes a question concerning the process for filing a claim, and whether a policy will cover a loss, unless the question concerns specific damage that has occurred and that results in an investigation or claim.|Added by Acts 2005, 79th Leg., Ch. 922 (H.B. 363), Sec. 2, eff. September 1, 2005.Amended by: Acts 2013, 83rd Leg., R.S., Ch. 570 (S.B. 736), Sec. 2, eff. September 1, 2013.Acts 2013, 83rd Leg., R.S., Ch. 570 (S.B. 736), Sec. 3, eff. September 1, 2013.Acts 2015, 84th Leg., R.S., Ch. 1137 (S.B. 189), Sec. 2, eff. September 1, 2015.|
TX Ins Code § 551.151 (2021)
2021 Texas Statutes|Insurance Code|Title 5 - Protection of Consumer Interests|Subtitle C - Deceptive, Unfair, and Prohibited Practices|Chapter 551 - Practices Relating to Declination, Cancellation, and Nonrenewal of Insurance Policies|Subchapter D. Cancellation or Nonrenewal of Certain Policies Issued to Elected Officials|Section 551.151. Definition

Sec. 551.151.  DEFINITION.  In this subchapter, "insurer" has the meaning assigned by Section 551.101.|Added by Acts 2003, 78th Leg., ch. 1274, Sec. 2, eff. April 1, 2005.|
TX Ins Code § 551.152 (2021)
2021 Texas Statutes|Insurance Code|Title 5 - Protection of Consumer Interests|Subtitle C - Deceptive, Unfair, and Prohibited Practices|Chapter 551 - Practices Relating to Declination, Cancellation, and Nonrenewal of Insurance Policies|Subchapter D. Cancellation or Nonrenewal of Certain Policies Issued to Elected Officials|Section 551.152. Elected Officials

Sec. 551.152.  ELECTED OFFICIALS.  An insurer may not cancel or refuse to renew an insurance policy based solely on the fact that the policyholder is an elected official.|Added by Acts 2003, 78th Leg., ch. 1274, Sec. 2, eff. April 1, 2005.|
TX Ins Code § 551.201 (2021)
2021 Texas Statutes|Insurance Code|Title 5 - Protection of Consumer Interests|Subtitle C - Deceptive, Unfair, and Prohibited Practices|Chapter 551 - Practices Relating to Declination, Cancellation, and Nonrenewal of Insurance Policies|Subchapter E. Portable Electronics Insurance|Section 551.201. Definitions

Sec. 551.201.  DEFINITIONS.  In this subchapter, "customer," "portable electronic devices," and "vendor" have the meanings assigned by Section 4055.251.|Added by Acts 2013, 83rd Leg., R.S., Ch. 1174 (S.B. 839), Sec. 1, eff. September 1, 2013.|
TX Ins Code § 551.202 (2021)
2021 Texas Statutes|Insurance Code|Title 5 - Protection of Consumer Interests|Subtitle C - Deceptive, Unfair, and Prohibited Practices|Chapter 551 - Practices Relating to Declination, Cancellation, and Nonrenewal of Insurance Policies|Subchapter E. Portable Electronics Insurance|Section 551.202. Required Notice of Termination or Change to Policy

Sec. 551.202.  REQUIRED NOTICE OF TERMINATION OR CHANGE TO POLICY.  (a)  Except as otherwise provided by this subchapter, an insurer may terminate or change the terms and conditions of a policy of portable electronics insurance only after notice to the master or group policyholder and each enrolled customer.  Notice under this section must be provided not later than the 30th day before the date of the termination or change.(b)  If the insurer changes the terms and conditions of the policy, the insurer shall:(1)  provide to the master or group policyholder a revised policy or endorsement; and (2)  provide to each enrolled customer:(A)  a revised certificate, revised endorsement, updated brochure, or other document indicating that a change in the terms and conditions has occurred;(B)  a summary of the material changes; and(C)  a disclosure, in a font that is capitalized, boldfaced, italicized, or underlined or is larger than or set off from the remainder of the document, that enrollment in coverage is optional and that provides information on how to discontinue enrollment.|Added by Acts 2013, 83rd Leg., R.S., Ch. 1174 (S.B. 839), Sec. 1, eff. September 1, 2013.|
TX Ins Code § 551.203 (2021)
2021 Texas Statutes|Insurance Code|Title 5 - Protection of Consumer Interests|Subtitle C - Deceptive, Unfair, and Prohibited Practices|Chapter 551 - Practices Relating to Declination, Cancellation, and Nonrenewal of Insurance Policies|Subchapter E. Portable Electronics Insurance|Section 551.203. Termination for Fraud or Misrepresentation

Sec. 551.203.  TERMINATION FOR FRAUD OR MISREPRESENTATION.  (a)  An insurer may terminate the coverage of an enrolled customer under a portable electronics insurance policy for fraud or material misrepresentation in obtaining coverage or in the presentation of a claim under the coverage.(b)  Termination of coverage under this section may not be effective before the 15th day after the date the insurer provides the customer notice of the termination.|Added by Acts 2013, 83rd Leg., R.S., Ch. 1174 (S.B. 839), Sec. 1, eff. September 1, 2013.|
TX Ins Code § 551.204 (2021)
2021 Texas Statutes|Insurance Code|Title 5 - Protection of Consumer Interests|Subtitle C - Deceptive, Unfair, and Prohibited Practices|Chapter 551 - Practices Relating to Declination, Cancellation, and Nonrenewal of Insurance Policies|Subchapter E. Portable Electronics Insurance|Section 551.204. Termination Without Notice

Sec. 551.204.  TERMINATION WITHOUT NOTICE.  (a)  An insurer may terminate the coverage of an enrolled customer under a portable electronics insurance policy without notice:(1)  for nonpayment of premium;(2)  if the enrolled customer ceases to have an active service with the vendor of portable electronics; or(3)  if the enrolled customer exhausts the aggregate limit of liability, if any, under the terms of the portable electronics insurance policy.(b)  If a portable electronics insurance policy is terminated under Subsection (a)(3), the insurer must send notice of termination to the enrolled customer not later than the 30th day after the date of exhaustion of the limit.  If the notice is not timely sent, the insurer shall continue the customer's coverage, and the aggregate limit of liability is waived, until the insurer sends the notice of termination to the enrolled customer.|Added by Acts 2013, 83rd Leg., R.S., Ch. 1174 (S.B. 839), Sec. 1, eff. September 1, 2013.|
TX Ins Code § 551.205 (2021)
2021 Texas Statutes|Insurance Code|Title 5 - Protection of Consumer Interests|Subtitle C - Deceptive, Unfair, and Prohibited Practices|Chapter 551 - Practices Relating to Declination, Cancellation, and Nonrenewal of Insurance Policies|Subchapter E. Portable Electronics Insurance|Section 551.205. Termination by Policyholder

Sec. 551.205.  TERMINATION BY POLICYHOLDER.  A master or group policyholder who terminates a portable electronics insurance policy shall provide notice to each enrolled customer advising the enrolled customer of the termination of the policy and the effective date of termination.  The notice must be provided to the enrolled customer not later than the 30th day before the date the termination becomes effective.|Added by Acts 2013, 83rd Leg., R.S., Ch. 1174 (S.B. 839), Sec. 1, eff. September 1, 2013.|
TX Ins Code § 551.206 (2021)
2021 Texas Statutes|Insurance Code|Title 5 - Protection of Consumer Interests|Subtitle C - Deceptive, Unfair, and Prohibited Practices|Chapter 551 - Practices Relating to Declination, Cancellation, and Nonrenewal of Insurance Policies|Subchapter E. Portable Electronics Insurance|Section 551.206. Form of Notice or Correspondence

Sec. 551.206.  FORM OF NOTICE OR CORRESPONDENCE.  (a)  A notice required by this subchapter, or another notice or correspondence with respect to a portable electronics insurance policy that is required by law, must be:(1)  in writing; and(2)  sent within the notice period, if any, specified by the statute or rule requiring the notice or correspondence.(b)  Notwithstanding any other law, the notice or correspondence may be sent by mail or by electronic means.(c)  If the notice or correspondence is mailed:(1)  it must be sent to the master or group policyholder at the policyholder's mailing address specified for this purpose and to each affected enrolled customer's last known mailing address on file with the insurer; and(2)  the insurer or master or group policyholder shall maintain proof of mailing in a form authorized or accepted by the United States Postal Service or other commercial mail delivery service.(d)  If the notice or correspondence is sent by electronic means:(1)  it must be sent to the master or group policyholder at the policyholder's e-mail address specified for this purpose and to each affected enrolled customer's last known e-mail address as provided by the customer to the insurer or master or group policyholder; and(2)  the insurer or master or group policyholder shall maintain proof that the notice or correspondence was sent.(e)  For purposes of Subsection (d), an enrolled customer's provision of an e-mail address to the insurer or master or group policyholder is considered consent to receive notices and correspondence by electronic means.(f)  A notice or correspondence described by this section may be sent on behalf of an insurer or master or group policyholder by a licensed agent or agency appointed by the insurer.|Added by Acts 2013, 83rd Leg., R.S., Ch. 1174 (S.B. 839), Sec. 1, eff. September 1, 2013.|
TX Ins Code § 556.001 (2021)
2021 Texas Statutes|Insurance Code|Title 5 - Protection of Consumer Interests|Subtitle C - Deceptive, Unfair, and Prohibited Practices|Chapter 556 - Unfair Methods of Competition and Unfair Practices by Financial Institutions|Subchapter A. General Provisions|Section 556.001. Definitions

Sec. 556.001.  DEFINITIONS.  In this chapter:(1)  "Affiliate" means a person who, directly or indirectly or through one or more intermediaries, controls or is controlled by another person or is under common control with another person.(2)  "Depository institution" has the meaning assigned by Section 4001.003.|Added by Acts 2003, 78th Leg., ch. 1274, Sec. 2, eff. April 1, 2005.|
TX Ins Code § 556.002 (2021)
2021 Texas Statutes|Insurance Code|Title 5 - Protection of Consumer Interests|Subtitle C - Deceptive, Unfair, and Prohibited Practices|Chapter 556 - Unfair Methods of Competition and Unfair Practices by Financial Institutions|Subchapter A. General Provisions|Section 556.002. Rules

Sec. 556.002.  RULES.  The commissioner may adopt reasonable rules to comply with federal law applicable to the sale of insurance and for the implementation and administration of this chapter.|Added by Acts 2003, 78th Leg., ch. 1274, Sec. 2, eff. April 1, 2005.|
TX Ins Code § 556.051 (2021)
2021 Texas Statutes|Insurance Code|Title 5 - Protection of Consumer Interests|Subtitle C - Deceptive, Unfair, and Prohibited Practices|Chapter 556 - Unfair Methods of Competition and Unfair Practices by Financial Institutions|Subchapter B. Unfair Methods or Practices|Section 556.051. Unfair Method of Competition or Unfair Practice: Tying

Sec. 556.051.  UNFAIR METHOD OF COMPETITION OR UNFAIR PRACTICE:  TYING.  (a)  A depository institution engages in an unfair method of competition or an unfair practice in the sale of insurance by the depository institution if the depository institution:(1)  is an agent and, as a condition of extending or renewing credit, leasing or selling property, or furnishing services, requires the purchase of insurance from the depository institution or a subsidiary or affiliate of the depository institution, or from or through a particular agent, insurer, or any other person or entity;(2)  conditions the terms of credit or the sale or lease of property on acquisition of insurance from or through the depository institution, a subsidiary or affiliate of the depository institution, or any other particular person or entity;(3)  rejects a required policy solely because the policy has been issued or underwritten by a person or entity that is not associated with the depository institution;  or(4)  imposes a requirement on an agent or broker who is not associated with the depository institution that is not imposed on an agent or broker who is associated with the depository institution or a subsidiary or affiliate of the depository institution.(b)  This section does not prevent a person who lends money or extends credit from placing insurance on property if the mortgagor, borrower, or purchaser fails to provide required insurance in accordance with the terms of the loan or credit document.|Added by Acts 2003, 78th Leg., ch. 1274, Sec. 2, eff. April 1, 2005.|
TX Ins Code § 556.052 (2021)
2021 Texas Statutes|Insurance Code|Title 5 - Protection of Consumer Interests|Subtitle C - Deceptive, Unfair, and Prohibited Practices|Chapter 556 - Unfair Methods of Competition and Unfair Practices by Financial Institutions|Subchapter B. Unfair Methods or Practices|Section 556.052. Unfair Method of Competition or Unfair Practice: Failure to Disclose

Sec. 556.052.  UNFAIR METHOD OF COMPETITION OR UNFAIR PRACTICE:  FAILURE TO DISCLOSE.  A depository institution engages in an unfair method of competition or an unfair practice in the sale of insurance by the depository institution if, on the premises of the depository institution or in connection with a product offering of the depository institution, the depository institution sells or solicits the purchase of insurance or a person sells or solicits the purchase of insurance recommended or sponsored by the depository institution and the depository institution or person fails to clearly disclose in all promotional materials relating to an insurance product distributed to customers and potential customers that:(1)  an insurance product sold through or in the depository institution or a subsidiary or affiliate of the depository institution is not insured by the Federal Deposit Insurance Corporation;(2)  the insurance product is not issued, guaranteed, or underwritten by the depository institution or the Federal Deposit Insurance Corporation;  and(3)  the insurance product involves investment risk, if appropriate, including potential loss of principal.|Added by Acts 2003, 78th Leg., ch. 1274, Sec. 2, eff. April 1, 2005.|