reglab/housing_qa huggingface dataset:
NY Ins L § 2803 (2021)
2021 New York Laws ISC - Insurance Article 28 - Use of Credit Information 2803 - Dispute Resolution and Error Correction.

§  2803.  Dispute resolution and error correction. If it is determined   through the dispute resolution process set forth  in  the  federal  Fair   Credit Reporting Act, 15 USC 1681i(a)(5), that the credit information of   a  current  insured  was  incorrect  or  incomplete  and  if the insurer   receives notice of such determination from either the consumer reporting   agency or from the insured, the insurer shall re-underwrite and  re-rate   the  consumer  within  thirty  days  of  receiving  such  notice.  After   re-underwriting or re-rating the insured, the  insurer  shall  make  any   adjustments  necessary,  consistent  with  its  underwriting  and rating   guidelines. If an insurer  determines  that  the  insured  has  overpaid   premium,  the  insurer  shall  refund  to  the  insured  the  amount  of   overpayment calculated back to the last thirty-six  months  of  coverage   provided by such insurer.
NY Ins L § 2805 (2021)
2021 New York Laws ISC - Insurance Article 28 - Use of Credit Information 2805 - Adverse Action Notification.

§  2805.  Adverse  action notification. If an insurer takes an adverse action based upon credit information, the insurer shall:  (a) provide notification to the consumer that an  adverse  action  has been  taken,  in  accordance  with  the requirements of the federal Fair Credit Reporting Act, 15 USC 1681m(a); and  (b) provide notification to the consumer explaining the reason for the adverse action. The reasons must be provided in sufficiently  clear  and specific  language  so  that  a  person  can  identify the basis for the insurer's decision to take an adverse action.  Such  notification  shall include  a  description  of  up  to  four  factors that were the primary influences of the adverse action. The use of generalized terms  such  as "poor  credit  history", "poor credit rating", or "poor insurance score" does  not  meet  the  explanation  requirements  of   this   subsection. Standardized credit explanations provided by consumer reporting agencies or other third party vendors are deemed to comply with this section.
NY Ins L § 2806 (2021)
2021 New York Laws ISC - Insurance Article 28 - Use of Credit Information 2806 - Filing.

§  2806.  Filing. (a) Insurers that use insurance scores to underwrite and rate  risks  must  file  their  scoring  models  (or  other  scoring processes)  with  the  superintendent.  Any  subsequent  revision to the scoring models will require  the  insurer  to  file  a  summary  of  the revision  with  the superintendent within forty-five days. A third party may file scoring models on behalf of insurers. A  filing  that  includes insurance  scoring  may  include  loss  experience justifying the use of credit information.  (b) Any filing  relating  to  credit  information  filed  and  in  the possession  of  the  superintendent  shall  remain  the  property of the insurer and shall not be subject to any disclosure or  production  under article  six or six-A of the public officers law or any other law of the state which authorizes or requires the  superintendent  to  disclose  or produce  records  to  an  outside  party. This information is privileged information and is not discoverable or admissible  as  evidence  in  any legal  action  in  any civil, criminal or administrative proceeding. The privilege created herein is a matter of substantive law  of  this  state and  is  not  merely  a  procedural  matter  governing civil or criminal procedures in the courts of this state and this information shall remain subject to all applicable statutory or common law privileges.
NY Ins L § 2807 (2021)
2021 New York Laws ISC - Insurance Article 28 - Use of Credit Information 2807 - Sale of Information by Consumer Reporting Agency.

§  2807.  Sale  of  information  by  consumer reporting agency. (a) No consumer reporting agency shall provide  or  sell  data  or  lists  that include  any  information  that  in  whole  or  in part was submitted in conjunction  with  an  insurance  inquiry  about  a  consumer's   credit information  or  a  request for a credit report or insurance score. Such information includes, but is not limited to, the expiration dates of  an insurance policy or any other information that may identify time periods during  which  a  consumer's  insurance  may  expire  and  the terms and conditions of the consumer's insurance coverage.  (b) The restrictions provided in subsection (a) of this section do not apply to data or lists the consumer reporting  agency  supplies  to  the insurance  agent  or  broker  from  whom  information  was received, the insurer on whose behalf such agent or broker acted,  or  such  insurer's affiliates or holding companies.  (c) Nothing in this section shall be construed to restrict any insurer from  being  able  to  obtain a claims history report or a motor vehicle report.
NY Ins L § 2808 (2021)
2021 New York Laws ISC - Insurance Article 28 - Use of Credit Information 2808 - Indemnification.

§  2808.  Indemnification. An insurer shall indemnify, defend and hold   agents harmless from and against all liability, fees and  costs  arising   out  of  or  relating  to  the actions, errors or omissions of the agent   resulting from obtaining or using credit  information  and/or  insurance   scores for an insurer, provided the agent follows the instructions of or   procedures  established  by  the  insurer,  works  within  the authority   granted by the insurer to the agent and complies with any applicable law   or regulation. Nothing in this section shall be construed to  provide  a   consumer  or other insured with a cause of action that does not exist in   the absence of this section.
NY Ins L § 2809 (2021)
2021 New York Laws ISC - Insurance Article 28 - Use of Credit Information 2809 - Severability.

§  2809.  Severability.  If  any section, paragraph, sentence, clause,   phrase, or any part of this  article  is  declared  invalid  due  to  an   interpretation  of  or  a  future  change  in  the  federal  Fair Credit   Reporting Act or is adjudged by any court of competent  jurisdiction  to   be  invalid,  such  judgment, interpretation or change shall not affect,   impair or invalidate the remainder thereof and the  remaining  sections,   paragraphs, sentences, clauses, phrases, or parts thereof shall be in no   manner affected thereby but shall remain in full force and effect.
NY Ins L § 3101 (2021)
2021 New York Laws ISC - Insurance Article 31 - Insurance Contracts - General 3101 - Simplified Comprehensive Policies of Insurance.

§  3101.  Simplified  comprehensive  policies of insurance. Simplified   policies of  insurance  providing  broad  coverage  of  all  or  various   combinations  of  risks may be approved by the superintendent and issued   by  insurers  notwithstanding  any  provision  of  this   chapter,   and   notwithstanding  those  provisions  of  any  other law which specify the   content of insurance policies, provided  that  such  policies  shall  be   subject  to regulations promulgated by the superintendent specifying the   standards which must be met by insurers for issuing  such  policies  and   assuring  to  policyholders and claimants protections not less favorable   than they would be entitled to  under  a  substantially  similar  policy   which is not subject to this section.
NY Ins L § 3103 (2021)
2021 New York Laws ISC - Insurance Article 31 - Insurance Contracts - General 3103 - Non-Conforming Contracts.

§ 3103. Non-conforming contracts. (a) Except as otherwise specifically provided in this chapter, any policy of insurance or contract of annuity delivered  or  issued  for delivery in this state in violation of any of the provisions of this chapter shall  be  valid  and  binding  upon  the insurer  issuing  the  same, but in all respects in which its provisions are in violation of the requirements or prohibitions of this chapter  it shall  be  enforceable  as  if  it  conformed  with such requirements or prohibitions.  (b) No policy of insurance or contract of annuity delivered or  issued for  delivery in this state shall provide that the rights or obligations of the insured or of any person  rightfully  claiming  thereunder,  with respect to:  (1)  a  policy  of  life, accident and health insurance or contract of annuity upon a person resident in this state,  (2) a policy of insurance upon property then in this state, or  (3) the liabilities to be incurred by  the  insured  as  a  result  of activity then carried on by the insured in this state, shall be governed by the laws of any jurisdiction other than this state. This subsection shall not apply to policies of marine insurance.  (c)  In  any  action  to recover under the provisions of any policy of insurance or contract of annuity delivered or  issued  for  delivery  in this  state  which  the  superintendent is authorized by this chapter to approve  if  in  his  opinion  its  provisions  are  more  favorable  to policyholders, the court shall enforce such policy or contract as if its provisions  were  the same as those specified in this chapter unless the court  finds  that  its  actual  provisions  were  more   favorable   to policyholders at the date when the policy or contract was issued.
NY Ins L § 3104 (2021)
2021 New York Laws ISC - Insurance Article 31 - Insurance Contracts - General 3104 - Contract Provisions Required by Laws of Other Jurisdictions.

§  3104.  Contract provisions required by laws of other jurisdictions. (a) Any foreign or alien insurer authorized to do business in this state may, with the approval of  the  superintendent,  include  in  any  life, accident and health insurance policy or contract of annuity delivered or issued for delivery in this state any provisions required by the laws of the  jurisdiction  in which such insurer is domiciled if such provisions are not substantially in conflict with the laws of this state.  (b) Any domestic insurer may include in any  policy  of  insurance  or contract  of  annuity  issued  for  delivery in another jurisdiction and governed by the laws thereof, any provision required by the laws of such other jurisdiction applicable to such policy or contract.
NY Ins L § 3105 (2021)
2021 New York Laws ISC - Insurance Article 31 - Insurance Contracts - General 3105 - Representations by the Insured.

§  3105.  Representations  by  the  insured. (a) A representation is a statement as to past or present fact, made to the insurer by, or by  the authority of, the applicant for insurance or the prospective insured, at or  before  the making of the insurance contract as an inducement to the making thereof. A misrepresentation is a false representation,  and  the facts  misrepresented  are  those  facts  which  make the representation false.  (b)(1) No misrepresentation shall avoid any contract of  insurance  or defeat  recovery  thereunder unless such misrepresentation was material. No misrepresentation shall be deemed material unless  knowledge  by  the insurer  of  the facts misrepresented would have led to a refusal by the insurer to make such contract.  (2) With respect to  a  policy  of  hospital,  medical,  surgical,  or prescription  drug  expense  insurance subject to articles thirty-two or forty-three of  this  chapter,  no  misrepresentation  shall  avoid  any contract   of   insurance  or  defeat  recovery  thereunder  unless  the misrepresentation was also intentional.  (c) In determining  the  question  of  materiality,  evidence  of  the practice  of  the  insurer  which made such contract with respect to the acceptance or rejection of similar risks shall be admissible.  (d) A misrepresentation that an applicant for  life  or  accident  and health insurance has not had previous medical treatment, consultation or observation,  or has not had previous treatment or care in a hospital or other like institution, shall be deemed, for the purpose of  determining its  materiality, a misrepresentation that the applicant has not had the disease, ailment or other medical impairment for which such treatment or care  was  given  or  which  was  discovered  by  any  licensed  medical practitioner  as a result of such consultation or observation. If in any action to rescind any such contract or  to  recover  thereon,  any  such misrepresentation is proved by the insurer, and the insured or any other person having or claiming a right under such contract shall prevent full disclosure  and  proof  of  the  nature of such medical impairment, such misrepresentation shall be presumed to have been material.
NY Ins L § 3106 (2021)
2021 New York Laws ISC - Insurance Article 31 - Insurance Contracts - General 3106 - Warranty Defined; Effect of Breach.

§  3106.  Warranty  defined;  effect  of  breach.  (a) In this section "warranty" means any provision of an insurance contract  which  has  the effect  of  requiring,  as a condition precedent of the taking effect of such contract or as a condition precedent  of  the  insurer's  liability thereunder,  the  existence  of  a  fact which tends to diminish, or the non-existence of a fact  which  tends  to  increase,  the  risk  of  the occurrence  of  any  loss,  damage, or injury within the coverage of the contract. The term "occurrence of loss, damage, or injury" includes  the occurrence  of  death,  disability,  injury,  or  any  other contingency insured against, and the term "risk" includes both  physical  and  moral hazards.  (b)  A  breach  of  warranty  shall not avoid an insurance contract or defeat recovery thereunder unless such breach materially  increases  the risk  of  loss, damage or injury within the coverage of the contract. If the insurance contract specified two or more  distinct  kinds  of  loss, damage  or  injury  which  are within its coverage, a breach of warranty shall not avoid such contract or defeat recovery thereunder with respect to any kind or kinds of loss, damage or injury other than  the  kind  or kinds to which such warranty relates and the risk of which is materially increased by the breach of such warranty.  (c)  This  section  shall not affect the express or implied warranties under a contract of marine insurance in respect to, appertaining  to  or in  connection  with any and all risks or perils of navigation, transit, or transportation, including war risks, on, over or under  any  seas  or inland  waters,  nor  shall  it  affect  any  provision  in an insurance contract requiring notice, proof or other conduct of the  insured  after the occurrence of loss, damage or injury.
NY Ins L § 3107 (2021)
2021 New York Laws ISC - Insurance Article 31 - Insurance Contracts - General 3107 - Sale of Insurance Policies by Vending Machine.

§  3107.  Sale  of  insurance  policies  by  vending  machine. (a) Any provision in a policy of accident insurance, requiring the signature  of the insured, where such insurance is sold by a vending machine, shall be inoperative  and  of  no  effect, unless a notice shall have been placed upon such vending machine, containing letters  each  at  least  one-half inch  high,  advising  that  the signature of the insured must be placed upon such policy or contract, at time of purchase, to make  such  policy or contract valid.  (b)  No insurance shall be offered for sale, issued or sold by or from any vending machine or appliance or any other medium, device  or  object designed or used for vending purposes, herein called a device, except as provided in this section.  (c)  A  licensed agent may solicit applications for and issue policies of accident insurance or baggage insurance on personal effects by  means of mechanical vending machines or other coin operated devices supervised by  him  and  placed  at  airports, railroad stations or bus stations or other places to meet the convenience  of  the  public,  subject  to  the provisions of this section.  (d)  Each  policy  to  be sold by or from a device shall be reasonably suited for sale and issuance through such a device, and the location  of such device shall be one that is of material convenience to the public.  (e)  No  policy  of insurance, issued through any such device shall be for a period of time longer than ten days, or  for  the  duration  of  a one-way or round trip, as applicable.
NY Ins L § 3108 (2021)
2021 New York Laws ISC - Insurance Article 31 - Insurance Contracts - General 3108 - Reinsurance Contracts Excepted.

§ 3108. Reinsurance contracts excepted. The provisions of this article   shall  not  apply  to  contracts  of  reinsurance,  except  as otherwise   provided by law.
NY Ins L § 3109 (2021)
2021 New York Laws ISC - Insurance Article 31 - Insurance Contracts - General 3109 - False Statements in Applications for Membership in Fraternal Benefit Societies.

§  3109.  False statements in applications for membership in fraternal   benefit  societies.  No   applicant,   officer,   solicitor,   examining   physician,  surgeon or other person shall knowingly or wilfully make any   false or fraudulent statements or representations in or  with  reference   to  any  application  for  membership  or  reinstatement  or  any  other   documentary or other proof for the purpose of obtaining  or  reinstating   membership  in  or  benefit from any fraternal benefit society, order or   association, any corporation, association  or  society  transacting  the   business of life or casualty insurance or both, upon the co-operative or   assessment plan, or a corporation for the insurance of domestic animals.
NY Ins L § 3110 (2021)
2021 New York Laws ISC - Insurance Article 31 - Insurance Contracts - General 3110 - Withdrawal of Any Policy Form.

§  3110. Withdrawal of any policy form. (a) Whenever by the provisions of this chapter the superintendent is authorized to give approval of any form of insurance policy or  contract,  the  superintendent  may,  after notice  and  hearing  given  to the insurer that submitted such form for approval, withdraw an approval previously given, if the use of such form is contrary to the requirements applicable to such form at the  time  of such   withdrawal.  Any  such  withdrawal  shall  be  effective  at  the expiration of such period, not less than ninety days after the giving of notice of  withdrawal,  as  the  superintendent  shall  in  such  notice prescribe.  (b)  Whenever  by  the provisions of this chapter an insurer may use a policy form without obtaining the prior approval of the  superintendent, the  superintendent  may, after notice and hearing given to the insurer, order the insurer to cease using such policy form, if the  use  of  such form is contrary to the requirements applicable to such form at the time of  the  effective date of such order. Any such order shall be effective at the expiration of such period, not less than ninety  days  after  the giving  of  a  notice  of cessation, as the superintendent shall in such notice prescribe.
NY Ins L § 3112 (2021)
2021 New York Laws ISC - Insurance Article 31 - Insurance Contracts - General 3112 - Automatic Bank Withdrawal Agreements; Notification Required.

§  3112.  Automatic bank withdrawal agreements; notification required.   Any insurer licensed  to  issue  insurance  in  the  state  who  has  an   automatic  bank  withdrawal agreement with an insured for the payment of   insurance premiums for any type of insurance shall give the  insured  at   least  fifteen  days  advance  written  notice of any increase in policy   premiums prior to any automatic bank withdrawal of an increased premium.
NY Ins L § 3113 (2021)
2021 New York Laws ISC - Insurance Article 31 - Insurance Contracts - General 3113 - Consent of and Notification of an Irrevocable Beneficiary Under a Court Order of Divorce or Separation.

§  3113.  Consent  of  and  notification of an irrevocable beneficiary under a court order of divorce or separation. In any case where a policy owner has, pursuant to an order of separation or divorce, designated his or her spouse or children as the irrevocable beneficiary of a policy  of insurance  subject  to  the  provisions  of  section  three thousand two hundred three of this chapter, and a copy of such order has been served, by registered mail, on the home office of  the  insurer  specifying  the name and mailing address of the spouse or children, such insurer shall:  (a)  prohibit  the policy holder from borrowing from the cash value or changing the named beneficiary of  such  insurance  policy  without  the written consent of the irrevocable beneficiary; and  (b) provide written notification to the irrevocable beneficiary in the event   that  such  insurance  policy  is  scheduled  to  lapse  due  to non-payment of premium.
NY Ins L § 3202 (2021)
2021 New York Laws ISC - Insurance Article 32 - Insurance Contracts - Life, Accident and Health, Annuities 3202 - Withdrawal of Approval of Policy Forms.

§  3202.  Withdrawal  of  approval of policy forms. The superintendent   may, in accordance with section three thousand one hundred ten  of  this   chapter, withdraw an approval previously given to a policy form pursuant   to  section  three  thousand  two  hundred  one  of  this  article.  The   superintendent may also withdraw an approval in the  case  of  any  such   policy  form  (i)  pertaining  to  accident and health insurance, if the   benefits provided therein are unreasonable in relation  to  the  premium   charged,  or if it contains provisions which encourage misrepresentation   or are unjust, unfair, inequitable, misleading, deceptive,  contrary  to   law  or  to  the public policy of this state, or (ii) pertaining to life   insurance, annuity  contract,  group  annuity  certificate,  or  funding   agreement,  if in his judgment the use of such form would be prejudicial   to the interests of policyholders or members, or it contains  provisions   which are unjust, unfair or inequitable.