reglab/housing_qa huggingface dataset:
art 5.01B (2021)
2021 Texas Statutes|Insurance Code - Not Codified|Title 1 - The Insurance Code of 1951|Chapter 5 - Rating and Policy Forms|Subchapter A. Motor Vehicle or Automobile Insurance|Article 5.01B. Public Information

(a)  Information filed or otherwise provided by an insurer to the State Board of Insurance for the purpose of determining, fixing, prescribing, promulgating, altering, or amending commercial automobile liability insurance rates under Article 5.01 of this code, obtaining a rate deviation under Article 5.03 of this code, or reporting losses under Article 5.04-1 of this code is public information unless it is exempt under Section 3(a), Chapter 424, Acts of the 63rd Legislature, Regular Session, 1973 (Article 6252-17a, Vernon's Texas Civil Statutes), or Section (b) of this article.(b) Information provided with an application under Section (d), Article 5.03, of this code is exempt from the disclosure requirements of this article.|Added by Acts 1987, 70th Leg., 1st C.S., ch. 1, Sec. 2.03, eff. Sept. 2, 1987.  Sec. (a) amended by Acts 1991, 72nd Leg., ch. 750, Sec. 1, eff. Sept. 1, 1991.|
art 5.04 (2021)
2021 Texas Statutes|Insurance Code - Not Codified|Title 1 - The Insurance Code of 1951|Chapter 5 - Rating and Policy Forms|Subchapter A. Motor Vehicle or Automobile Insurance|Article 5.04. Experience as Factor

(a)  To insure the adequacy and reasonableness of rates the Board may take into consideration past and prospective experience, within and outside the State, and all other relevant factors, within and outside the State, gathered from a territory sufficiently broad to include the varying conditions of the risks involved and the hazards and liabilities assumed, and over a period sufficiently long to insure that the rates determined therefrom shall be just, reasonable and adequate, and to that end the Board may consult any rate making organization or association that may now or hereafter exist.(b) As a basis for motor vehicle rates under this subchapter, the State Board of Insurance shall use data from within this State to the extent that the data is credible and available.(c) Notwithstanding Subsections (a) and (b) of this article, on and after the effective date of S.B. No. 14, Acts of the 78th Legislature, Regular Session, 2003, rates for personal automobile insurance in this state are determined as provided by Article 5.101 of this code, and rates for commercial motor vehicle insurance in this state are determined as provided by Article 5.13-2 of this code.  On and after December 1, 2004, rates for personal automobile insurance and commercial automobile insurance in this state are determined as provided by Article 5.13-2 of this code.|Acts 1951, 52nd Leg., ch. 491.  Amended by Acts 1953, 53rd Leg., p. 64, ch. 50, Sec. 3.|Amended by Acts 1987, 70th Leg., 1st C.S., ch. 1, Sec. 2.01, eff. Sept. 2, 1987;  Subsec. (c) added by Acts 1991, 72nd Leg., ch. 242, Sec. 2.05, eff. Sept. 1, 1991;  Subsec. (c) amended by Acts 1991, 72nd Leg., 2nd C.S., ch. 12, Sec. 8.06, eff. Jan. 1, 1992;  amended by Acts 1995, 74th Leg., ch. 984, Sec. 5, eff. Sept. 1, 1995;  Subsec. (c) amended by Acts 2003, 78th Leg., ch. 206, Sec. 21.06, eff. June 11, 2003.|
art 5.04-1 (2021)
2021 Texas Statutes|Insurance Code - Not Codified|Title 1 - The Insurance Code of 1951|Chapter 5 - Rating and Policy Forms|Subchapter A. Motor Vehicle or Automobile Insurance|Article 5.04-1. Report of Basic Limits Losses

(a)  A report filed under Article 5.01(a) of this code must include the information necessary to compute a Texas automobile experience modifier as provided by this code or a rule adopted by the State Board of Insurance.  In reporting losses under Article 5.01(a) of this code, an insurer may include only the following as basic limits losses:(1) indemnity losses, up to the basic limits for the losses;(2) losses based on payments for immediate medical or surgical treatment;(3) fees paid to an attorney who is not an employee of the insurer, if the fees were for services rendered in the trial of an action arising under a covered claim;(4) specific expenses incurred as a direct result of defending an action in connection with which the expense is claimed;(5) specific expenses, other than claims adjustment expenses, incurred in connection with the settlement of a claim with respect to which the expense is claimed;(6) all medical payments coverage;  and(7) personal injury protection coverage losses.(b) In reporting its basic limits losses to the State Board of Insurance, each insurer shall disclose the specific nature of each loss expense claimed and shall show to the Board's satisfaction that each specific expense claimed was necessary with respect to the specific risk involved.|Added by Acts 1991, 72nd Leg., ch. 750, Sec. 2, eff. Sept. 1, 1991.|
art 5.10 (2021)
2021 Texas Statutes|Insurance Code - Not Codified|Title 1 - The Insurance Code of 1951|Chapter 5 - Rating and Policy Forms|Subchapter A. Motor Vehicle or Automobile Insurance|Article 5.10. Rules and Regulations

The Board is hereby empowered to make and enforce all such reasonable rules and regulations not inconsistent with the provisions of this subchapter as are necessary to carry out its provisions.|Acts 1951, 52nd Leg., ch. 491.|Amended by Acts 1991, 72nd Leg., ch. 242, Sec. 2.13, eff. Sept. 1, 1991.|
art 5.11 (2021)
2021 Texas Statutes|Insurance Code - Not Codified|Title 1 - The Insurance Code of 1951|Chapter 5 - Rating and Policy Forms|Subchapter A. Motor Vehicle or Automobile Insurance|Article 5.11. Hearing on Grievances

(a)  Any policyholder or insurer shall have the right to a hearing before the Board on any grievance occasioned by the approval or disapproval by the Board of any classification, rate, rating plan, endorsement or policy form, or any rule or regulation established under the terms hereof, such hearing to be held in conformity with rules prescribed by the Board.  Upon receipt of request that such hearing is desired, the Board shall forthwith set a date for the hearing, at the same time notifying all interested parties in writing of the place and date thereof, which date, unless otherwise agreed to by the parties at interest, shall not be less than ten (10) nor more than thirty (30) days after the date of said notice.  Any party aggrieved shall have the right to apply to any court of competent jurisdiction to obtain redress.(b) No hearing shall suspend the operation of any classification, rate, rating plan or policy form unless the Board shall so order.(c) Notwithstanding Subsections (a) and (b) of this article, on and after the effective date of S.B. No. 14, Acts of the 78th Legislature, Regular Session, 2003, rates for personal automobile insurance in this state are determined as provided by Article 5.101 of this code, and rates for commercial motor vehicle insurance in this state are determined as provided by Article 5.13-2 of this code. On and after December 1, 2004, rates for personal automobile insurance and commercial automobile insurance in this state are determined as provided by Article 5.13-2 of this code.|Acts 1951, 52nd Leg., ch. 491.  Amended by Acts 1953, 53rd Leg., p. 64, ch. 50, Sec. 6.|Amended by Acts 1991, 72nd Leg., ch. 242, Sec. 2.14, eff. Sept. 1, 1991;  Subsec. (c) amended by Acts 1991, 72nd Leg., 2nd C.S., ch. 12, Sec. 8.08, eff. Jan. 1, 1992;  amended by Acts 1995, 74th Leg., ch. 984, Sec. 7, eff. Sept. 1, 1995;  Subsec. (c) amended by Acts 2003, 78th Leg., ch. 206, Sec. 21.11, eff. June 11, 2003.|
art 5.22 (2021)
2021 Texas Statutes|Insurance Code - Not Codified|Title 1 - The Insurance Code of 1951|Chapter 5 - Rating and Policy Forms|Subchapter B. Casualty Insurance and Fidelity, Guaranty and Surety Bonds|Article 5.22. Penalties

(a)  The Board may suspend the license of any advisory organization licensed under Article 5.73 of this code, insurer or agent which fails to comply with an order of the Board within the time limited by such order, or any extension thereof which the Board may grant.  The Board shall not suspend the license of any advisory organization, agent or insurer for failure to comply with an order until the time prescribed for an appeal therefrom has expired or, if an appeal has been taken, until such order has been affirmed.  The Board may determine when a suspension of license shall become effective and it shall remain in effect for the period fixed by it, unless it modifies or rescinds such suspension or until the order upon which such suspension is based is modified, rescinded or reversed.(b) No license shall be suspended except upon a written order of the Board, stating its findings, made after a hearing held upon not less than ten (10) days' notice to such person or organization specifying the alleged violation.|Acts 1951, 52nd Leg., ch. 491.|Amended by Acts 1991, 72nd Leg., ch. 242, Sec. 2.22, eff. Sept. 1, 1991.|
art 5.23 (2021)
2021 Texas Statutes|Insurance Code - Not Codified|Title 1 - The Insurance Code of 1951|Chapter 5 - Rating and Policy Forms|Subchapter B. Casualty Insurance and Fidelity, Guaranty and Surety Bonds|Article 5.23. Judicial Review

Any order or decision of the Board shall be subject to review, which shall be on the basis of the record of the proceedings before the Board and shall not be limited to questions of law, by direct action in the District Court of Travis County, instituted by any party aggrieved by any action taken under this subchapter.Pending final disposition of any proceedings which attack the correctness of a rate, any insurer affected by such order may continue to charge the rate which obtained prior to such order of decrease or may charge the rate resulting from such order of increase, on condition that the difference in the premiums be deposited in a special account by said insurer, to be held in trust by said insurer, and to be retained by said insurer or paid to the holders of policies issued after the order of the Board, as the court may determine.In all other cases, the court shall determine whether the filing of the appeal shall operate as a stay.  The court may, in disposing of the issue before it, modify, affirm or reverse the order or decision of the Board in whole or in part.|Acts 1951, 52nd Leg., ch. 491.|
art 5.25 (2021)
2021 Texas Statutes|Insurance Code - Not Codified|Title 1 - The Insurance Code of 1951|Chapter 5 - Rating and Policy Forms|Subchapter C. Fire Insurance and Allied Lines|Article 5.25. Board Shall Fix Rates

(a)  The State Board of Insurance shall have the sole and exclusive power and authority and it shall be its duty to prescribe, fix, determine and promulgate the rates of premiums to be charged and collected by fire insurance companies transacting business in this State.  Said Board shall also have authority to alter or amend any and all such rates of premiums so fixed and determined and adopted by it, and to raise or lower the same, or any part thereof, as herein provided. (b)  Notwithstanding Subsection (a) of this article, on and after the effective date of S.B. No. 14, Acts of the 78th Legislature, Regular Session, 2003, rates for homeowners and residential fire and residential allied lines insurance coverage under this subchapter are determined as provided by Subchapter Q of this chapter, and rates for other lines of insurance subject to this subchapter are determined as provided by Article 5.13-2 of this code, except that on and after December 1, 2004, rates for all lines of insurance subject to this subchapter are determined as provided by Article 5.13-2 of this code. |Acts 1951, 52nd Leg., ch. 491.|Amended by Acts 1985, 69th Leg., ch. 861, Sec. 1, eff. June 15, 1985;  Acts 1991, 72nd Leg., ch. 242, Sec. 2.23, eff. Sept. 1, 1991;  Acts 1991, 72nd Leg., ch. 628, Sec. 10, eff. Sept. 1, 1991;  Subsec. (b) amended by Acts 1991, 72nd Leg., 2nd C.S., ch. 12, Sec. 8.10, eff. Jan. 1, 1992;  amended by Acts 1995, 74th Leg., ch. 984, Sec. 13, eff. Sept. 1, 1995;  Subsec. (b) amended by Acts 1997, 75th Leg., ch. 1330, Sec. 3, eff. Sept. 1, 1997;  Subsec. (b) amended by Acts 2003, 78th Leg., ch. 206, Sec. 21.12, eff. June 11, 2003.Amended by: Acts 2005, 79th Leg., Ch. 727 (H.B. 2017), Sec. 5, eff. April 1, 2007.|
art 5.25A (2021)
2021 Texas Statutes|Insurance Code - Not Codified|Title 1 - The Insurance Code of 1951|Chapter 5 - Rating and Policy Forms|Subchapter C. Fire Insurance and Allied Lines|Article 5.25A. Rates Applicable to Certain Locations

(a)  The State Board of Insurance in adopting fire insurance and homeowners insurance rates under this subchapter shall authorize a fringe area rating as defined under its general basis rating schedule for any dwelling located within five miles of the outer boundary of a platted subdivision classified by the board under board criteria as a first key town.(b) Notwithstanding Subsection (a) of this article, on and after the effective date of S.B. No. 14, Acts of the 78th Legislature, Regular Session, 2003, rates for homeowners and residential fire and residential allied lines insurance coverage under this subchapter are determined as provided by Subchapter Q of this chapter, and rates for other lines of insurance subject to this subchapter are determined as provided by Article 5.13-2 of this code, except that on and after December 1, 2004, rates for all lines of insurance subject to this subchapter are determined as provided by Article 5.13-2 of this code.|Added by Acts 1989, 71st Leg., ch. 481, Sec. 1, eff. Sept. 1, 1989.  Amended by Acts 1991, 72nd Leg., ch. 242, Sec. 2.24, eff. Sept. 1, 1991;  Subsec. (b) amended by Acts 1991, 72nd Leg., 2nd C.S., ch. 12, Sec. 8.11, eff. Jan. 1, 1992;  amended by Acts 1995, 74th Leg., ch. 984, Sec. 14, eff. Sept. 1, 1995;  Subsec. (b) amended by Acts 1997, 75th Leg., ch. 1330, Sec. 4, eff. Sept. 1, 1997;  Subsec. (b) amended by Acts 2003, 78th Leg., ch. 206, Sec. 21.13, eff. June 11, 2003.|
art 5.25-3 (2021)
2021 Texas Statutes|Insurance Code - Not Codified|Title 1 - The Insurance Code of 1951|Chapter 5 - Rating and Policy Forms|Subchapter C. Fire Insurance and Allied Lines|Article 5.25-3. Fire Insurance Rates and Fire Suppression Ratings for Border Municipality

The commissioner, in adopting fire insurance rates for a municipality at or near the border between this state and another state or the United Mexican States, shall take into account the existence and capabilities of a fire department or volunteer fire department that serves an adjoining or nearby municipality in the other state or the United Mexican States and that by agreement or by long-standing practice provides fire suppression services to the Texas municipality.|Added by Acts 1997, 75th Leg., ch. 1413, Sec. 1, eff. Sept. 1, 1997.Amended by: Acts 2005, 79th Leg., Ch. 727 (H.B. 2017), Sec. 6, eff. April 1, 2007.|
art 5.27 (2021)
2021 Texas Statutes|Insurance Code - Not Codified|Title 1 - The Insurance Code of 1951|Chapter 5 - Rating and Policy Forms|Subchapter C. Fire Insurance and Allied Lines|Article 5.27. No Company Exempt

Every fire insurance company, every marine insurance company, every fire and marine insurance company, every fire and tornado insurance company, and each and every insurance company of every kind and name issuing a contract or policy of insurance, or contracts or policies of insurance against loss by fire on property within this State, whether such property be fixed or movable, stationary or in transit, or whether such property is consigned or billed for shipment within or beyond the boundary of this State or to some foreign county, whether such company is organized under the laws of this State or under the laws of any other state, territory or possession of the United States, or foreign country, or by authority of the Federal Government, now holding certificate of authority to transact business in this State, shall be deemed to have accepted such certificate and to transact business thereunder, upon condition that it consents to the terms and provisions of this subchapter and that it agrees to transact business in this State, subject thereto;  it being intended that every contract or policy of insurance against the hazard of fire shall be issued in accordance with the terms and provisions of this subchapter, and the company issuing the same governed thereby, regardless of the kind and character of such property and whether the same is fixed or movable, stationary or in transit, including the shore end of all marine risks insured against loss by fire.|Acts 1951, 52nd Leg., ch. 491.|
art 5.28 (2021)
2021 Texas Statutes|Insurance Code - Not Codified|Title 1 - The Insurance Code of 1951|Chapter 5 - Rating and Policy Forms|Subchapter C. Fire Insurance and Allied Lines|Article 5.28. Statements and Books

(a)  Said Board is authorized and empowered to require sworn statements for any period of time from any insurance company affected by this law and from any of its directors, officers, representatives, general agents, state agents, special agents, and local agents of the rates and premiums collected for fire insurance on each class of risks, on all property in this State and of the causes of fire, if such be known, if they are in possession of such data, and information, or can obtain it at a reasonable expense;  and said Board is empowered to require such statements showing all necessary facts and information to enable said Board to make, amend and maintain the general basis schedules provided for in this law and the rules and regulations for applying same and to determine reasonable and proper maximum specific rates.(b)  Repealed by Acts 2005, 79th Leg., Ch. 727, Sec. 18, eff. April 1, 2007.(c)  Repealed by Acts 2005, 79th Leg., Ch. 727, Sec. 18, eff. April 1, 2007.(d) Notwithstanding Subsection (a) of this article, on and after the effective date of S.B. No. 14, Acts of the 78th Legislature, Regular Session, 2003, rates for homeowners and residential fire and residential allied lines insurance coverage under this subchapter are determined as provided by Subchapter Q of this chapter, and rates for other lines of insurance subject to this subchapter are determined as provided by Article 5.13-2 of this code, except that on and after December 1, 2004, rates for all lines of insurance subject to this subchapter are determined as provided by Article 5.13-2 of this code.|Acts 1951, 52nd Leg., ch. 491.|Amended by Acts 1991, 72nd Leg., ch. 242, Sec. 2.27, eff. Sept. 1, 1991;  Subsec. (d) amended by Acts 1991, 72nd Leg., 2nd C.S., ch. 12, Sec. 8.13, eff. Jan. 1, 1992;  amended by Acts 1995, 74th Leg., ch. 984, Sec. 16, eff. Sept. 1, 1995;  Subsec. (d) amended by Acts 1997, 75th Leg., ch. 1330, Sec. 6, eff. Sept. 1, 1997;  Subsec. (d) amended by Acts 2003, 78th Leg., ch. 206, Sec. 21.16, eff. June 11, 2003.Amended by: Acts 2005, 79th Leg., Ch. 727 (H.B. 2017), Sec. 7, eff. April 1, 2007.Acts 2005, 79th Leg., Ch. 727 (H.B. 2017), Sec. 18, eff. April 1, 2007.|
art 5.29 (2021)
2021 Texas Statutes|Insurance Code - Not Codified|Title 1 - The Insurance Code of 1951|Chapter 5 - Rating and Policy Forms|Subchapter C. Fire Insurance and Allied Lines|Article 5.29. Schedule and Report

(a)  The rates of premium fixed by said Board in pursuance of the provision of this subchapter shall be at all times reasonable and the schedules thereof made and promulgated by said Board shall be in such forms as will in the judgment of the Board most clearly and in detail disclose the rate so fixed and determined by said Board to be charged and collected for policies of fire insurance.  Said Board may employ and use any facts obtainable from and concerning fire insurance companies transacting business in this State, showing their expense and charges for fire insurance premiums for any period or periods said Board may deem advisable, which in their opinion will enable them to devise and fix and determine reasonable rates of premiums for fire insurance.  The said Board in making and publishing schedules of the rates fixed and determined by it shall show all charges, credits, terms, privileges and conditions which in anywise affect such rates, and copies of all such schedules shall be furnished by said Board to any and all companies affected by this subchapter applying therefor, and the same shall be furnished to any citizens of this State applying therefor, upon the payment of the actual cost thereof.  No rate or rates fixed or determined by the Board shall take effect until it shall have entered an order or orders fixing and determining same, and shall give notice thereof to all fire insurance companies affected by this subchapter, authorized to transact business in the State.  The Board, and any inspector or other agent or employee thereof, who shall inspect any risk for the purpose of enabling the Board to fix and determine the reasonable rate to be charged thereon, shall furnish to the owner of such risk at the date of such inspection a copy of the inspection report, showing all defects that may operate as charges to increase the insurance rate.(b) Notwithstanding Subsection (a) of this article, on and after the effective date of S.B. No. 14, Acts of the 78th Legislature, Regular Session, 2003, rates for homeowners and residential fire and residential allied lines insurance coverage under this subchapter are determined as provided by Subchapter Q of this chapter, and rates for other lines of insurance subject to this subchapter are determined as provided by Article 5.13-2 of this code, except that on and after December 1, 2004, rates for all lines of insurance subject to this subchapter are determined as provided by Article 5.13-2 of this code.|Acts 1951, 52nd Leg., ch. 491.|Amended by Acts 1991, 72nd Leg., ch. 242, Sec. 2.28, eff. Sept. 1, 1991;  Subsec. (b) amended by Acts 1991, 72nd Leg., 2nd C.S., ch. 12, Sec. 8.14, eff. Jan. 1, 1992;  amended by Acts 1995, 74th Leg., ch. 984, Sec. 17, eff. Sept. 1, 1995;  Subsec. (b) amended by Acts 1997, 75th Leg., ch. 1330, Sec. 7, eff. Sept. 1, 1997;  Subsec. (b) amended by Acts 2003, 78th Leg., ch. 206, Sec. 21.17, eff. June 11, 2003.|
art 5.30 (2021)
2021 Texas Statutes|Insurance Code - Not Codified|Title 1 - The Insurance Code of 1951|Chapter 5 - Rating and Policy Forms|Subchapter C. Fire Insurance and Allied Lines|Article 5.30. Analysis of Rate

(a)   All schedules of rates promulgated by said Board shall be open to the public, and every local agent of any company engaging in the business of fire insurance in this state shall have and exhibit to the public copies of such schedules covering all risks upon which he is authorized to write insurance.(b) Notwithstanding Subsection (a) of this article, on and after the effective date of S.B. No. 14, Acts of the 78th Legislature, Regular Session, 2003, rates for homeowners and residential fire and residential allied lines insurance coverage under this subchapter are determined as provided by Subchapter Q of this chapter, and rates for other lines of insurance subject to this subchapter are determined as provided by Article 5.13-2 of this code, except that on and after December 1, 2004, rates for all lines of insurance subject to this subchapter are determined as provided by Article 5.13-2 of this code.|Acts 1951, 52nd Leg., ch. 491.|Amended by Acts 1991, 72nd Leg., ch. 242, Sec. 2.29, eff. Sept. 1, 1991;  Subsec. (b) amended by Acts 1991, 72nd Leg., 2nd C.S., ch. 12, Sec. 8.15, eff. Jan. 1, 1992;  amended by Acts 1995, 74th Leg., ch. 984, Sec. 18, eff. Sept. 1, 1995;  Subsec. (b) amended by Acts 1997, 75th Leg., ch. 1330, Sec. 8, eff. Sept. 1, 1997;  Subsec. (b) amended by Acts 2003, 78th Leg., ch. 206, Sec. 21.18, eff. June 11, 2003.Amended by: Acts 2005, 79th Leg., Ch. 727 (H.B. 2017), Sec. 8, eff. April 1, 2007.|