reglab/housing_qa huggingface dataset:
AL Code § 27-13-69 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 13 - Rates and Rating Organizations.|Article 3 - Casualty and Surety Insurance.|Section 27-13-69 - Appeals From Decisions of Rating Organizations.

Section 27-13-69Appeals from decisions of rating organizations. Any member of, or subscriber to, a rating organization may appeal to the commissioner from the decision of such rating organization in approving or rejecting any proposed change in, or addition to, the filings of such rating organization; and the commissioner shall, after a hearing held on not less than 10 days' written notice to the appellant and to such rating organization, issue an order approving the decision of such rating organization or directing it to give further consideration to such proposal. If such appeal is based upon the failure of the rating organization to make a filing on behalf of such member or subscriber which is based on a system of expense provisions which differs, in accordance with the right granted in this article, from the system of expense provisions included in a filing made by the rating organization, the commissioner shall, if he grants the appeal, order the rating organization to make the requested filing for use by the appellant. (Acts 1945, No. 133, p. 145, §9; Acts 1971, No. 407, p. 707, §292.)
AL Code § 27-13-70 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 13 - Rates and Rating Organizations.|Article 3 - Casualty and Surety Insurance.|Section 27-13-70 - Furnishing Information as to Rates.

Section 27-13-70Furnishing information as to rates. Every rating organization and every insurer which makes its own rates shall, after receiving written request therefor from the department, furnish to any person affected by a rate made by it, or to the authorized representative of such person, all pertinent information as to such rate. (Acts 1945, No. 133, p. 145, §10; Acts 1971, No. 407, p. 707, §293.)
AL Code § 27-13-71 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 13 - Rates and Rating Organizations.|Article 3 - Casualty and Surety Insurance.|Section 27-13-71 - Hearings on Applications to Reduce Rates.

Section 27-13-71Hearings on applications to reduce rates. Every rating organization and every insurer which does its own rate-making shall provide reasonable means within this state, to be approved by the department, whereby any person, or persons, affected by a rate made by it may be heard on a written application to reduce such rate. If such rating organization or such insurer shall refuse to reduce such rate, the person, or persons, affected thereby may make a like application to the commissioner within 30 days after receipt of notice in writing that the application for reduction of rate has been denied by such rating organization or by such insurer. If, upon the expiration of 20 days after application for the reduction of a rate, such rating organization or such insurer fails to grant or reject the application, the person, or persons, affected may make the application to the commissioner in the same manner as if the application had been rejected by such rating organization or by such insurer. The commissioner shall fix a time and place for hearing on such application, upon not less than 10 days' notice by registered or certified mail, for the applicant and such rating organization or such insurer to be heard. The commissioner shall make such order as he shall deem just and lawful upon the evidence placed before him at such hearing. (Acts 1945, No. 133, p. 145, §11; Acts 1971, No. 407, p. 707, §294.)
AL Code § 27-13-72 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 13 - Rates and Rating Organizations.|Article 3 - Casualty and Surety Insurance.|Section 27-13-72 - Application for Uniform Percentage Increase or Decrease in Rates by Insurers.

Section 27-13-72Application for uniform percentage increase or decrease in rates by insurers. (a) Any insurer may apply to the commissioner for permission to effect a uniform percentage increase or decrease in the rates applied to all kinds of a particular class in the state in a particular kind, or kinds, of insurance. Upon the filing of such application, the commissioner shall give notice thereof by registered or certified mail to the rating organization, if any, of which such insurer is a member or subscriber and shall fix a time and place for a hearing upon the merits of such application. At such hearing, such insurer and such rating organization, or their representatives, shall be entitled to be heard and to present evidence in support of, or against, such application. The commissioner shall, upon the conclusion of such hearing, make such order as he shall deem consistent with the establishment and maintenance of reasonable, adequate, and nondiscriminatory rates. If the application is granted, such increase or decrease shall remain in force unless withdrawn by the insurer with the consent of, or by order of, the commissioner. If the commissioner shall find that such increase or decrease will result in rates that are unreasonable, inadequate, or unfairly discriminatory, he shall make an order denying the application. (b) Notwithstanding the foregoing, but subject to the provisions of Section 27-13-68, to the extent not inconsistent with this section, when a filing of adjustments of rates for existing classifications of risks is made under this section and does not involve a change in the relationship between such rates and the expense portion thereof, or does not involve a change of the element of expenses which are paid as percentage of premiums, and does not involve a change in rate relativities among such classifications on any basis other than loss experience, such filings shall become effective upon the date, or dates, specified in the filing and shall be deemed to meet the requirements of this article. (c) A rate in excess of that promulgated by such rating organization may be charged on any specific risk, provided such higher rate is charged with the knowledge and written consent of both the insured and the commissioner. (d) Subsection (b) of this section shall not apply to workmen's compensation or employer's liability insurance. (Acts 1945, No. 133, p. 145, §12; Acts 1971, No. 407, p. 707, §295.)
AL Code § 27-13-73 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 13 - Rates and Rating Organizations.|Article 3 - Casualty and Surety Insurance.|Section 27-13-73 - Factors to Be Considered in Determining Reasonableness, etc., of Rates.

Section 27-13-73Factors to be considered in determining reasonableness, etc., of rates. In every case where, pursuant to the provisions of the article, the commissioner is authorized or required to determine whether rates are reasonable and adequate and not unfairly discriminatory, he shall consider the factors and standards set forth in Section 27-13-65. (Acts 1945, No. 133, p. 145, §13; Acts 1971, No. 407, p. 707, §296.)
AL Code § 27-13-74 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 13 - Rates and Rating Organizations.|Article 3 - Casualty and Surety Insurance.|Section 27-13-74 - Examination of Business, etc., of Rating Organizations and Insurers Making Own Rates.

Section 27-13-74Examination of business, etc., of rating organizations and insurers making own rates. The commissioner may, whenever he deems it expedient, but at least once in every five years, make, or cause to be made, an examination of the business, affairs, and method of operation of each rating organization doing business in this state and a like examination of each insurer making its own rates. The costs of such examination shall be fixed in the same manner as provided for in Section 27-2-25 and shall be paid by the rating organization or insurer making its own rates examined. The commissioner may, in his discretion, waive such examination upon proof that such rating organization has, within a reasonably recent period, been examined by a public official or department of another state, pursuant to the laws of such state, and upon the filing with the department of a certified copy of the report of such examination. The officers, managers, agents, and employees of such rating organization or insurer making its own rates shall exhibit all its books, records, documents, or agreements governing its method of operation, its rating systems and its accounts for the purpose of such examination. The commissioner, or his representative, may, for the purpose of facilitating and furthering such examination, examine, under oath, the officers, managers, agents, and employees of such rating organization or insurer making its own rates. (Acts 1945, No. 133, p. 145, §14; Acts 1971, No. 407, p. 707, §297.)
AL Code § 27-13-75 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 13 - Rates and Rating Organizations.|Article 3 - Casualty and Surety Insurance.|Section 27-13-75 - Alteration, Supplementation, and Amendment of Rating Plans.

Section 27-13-75Alteration, supplementation, and amendment of rating plans. A rating organization or any insurer making its own rates may, with the approval of the commissioner, from time to time, alter, supplement, or amend its rating plans, or any part thereof, by filing with the department copies of such alterations, supplements, or amendments, together with a statement of the reason, or reasons, for such alteration, supplement, or amendment. If such alteration, supplement, or amendment shall have the effect of increasing or decreasing rates, the commissioner shall determine whether the rates as altered thereby are reasonable, adequate, and not unfairly discriminatory. If the commissioner shall determine that the rates as so altered are not unreasonably high, or inadequate or unfairly discriminatory, he shall make an order approving them. If he shall find that the rates as altered are unreasonable, inadequate, or unfairly discriminatory, he shall issue an order disapproving such alteration, supplement, or amendment. Notwithstanding the foregoing, but subject to the provisions of Section 27-13-68, to the extent not inconsistent with this section, when a filing of adjustments of rates for existing classifications of risks does not involve a change in the relationship between such rates and the expense portion thereof, or does not involve a change of the element of expenses which are paid as a percentage of premiums or does not involve a change in rate relativities among such classifications on any basis other than loss experience, such filing shall become effective upon the date, or dates, specified in the filing and shall be deemed to meet the requirements of this article. The foregoing provisions shall not apply to workmen's compensation and employers' liability insurance. (Acts 1945, No. 133, p. 145, §16; Acts 1971, No. 407, p. 707, §299.)
AL Code § 27-13-76 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 13 - Rates and Rating Organizations.|Article 3 - Casualty and Surety Insurance.|Section 27-13-76 - Prohibition Against Premiums Not in Accord With Approved Rating Systems.

Section 27-13-76Prohibition against premiums not in accord with approved rating systems. No insurer, or employee thereof, and no broker or agent shall knowingly charge, demand or receive a premium for any policy of insurance except in accordance with the respective rating systems on file with, and approved by, the commissioner. No insurer, or employee thereof, and no broker or agent shall pay, allow, or give, or offer to pay, allow, or give, directly or indirectly, as an inducement to insurance, or after insurance has been effected, any rebate, discount, abatement, credit, or reduction of the premium named in a policy of insurance, or any special favor or advantage in the dividends or other benefits to accrue thereon or any valuable consideration or inducement whatever not specified in the policy of insurance, except to the extent that such rebate, discount, abatement, credit, reduction, favor, advantage, or consideration may be provided for in rating systems filed by, or on behalf of, such insurer and approved by the commissioner. No insured named in a policy of insurance nor any employee of such insured shall knowingly receive or accept, directly or indirectly, any such rebate, discount, abatement, or reduction of premium, or any such special favor or advantage, or valuable consideration or inducement. Nothing contained in this section shall be construed as prohibiting the payment of commissions or other compensation to regularly appointed and licensed agents and to brokers duly licensed by this state nor as prohibiting any participating insurer from distributing to its policyholders dividends, savings or the unused or unabsorbed portion of premiums and premium deposits. (Acts 1945, No. 133, p. 145, §17; Acts 1971, No. 407, p. 707, §300.)
AL Code § 27-13-77 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 13 - Rates and Rating Organizations.|Article 3 - Casualty and Surety Insurance.|Section 27-13-77 - False or Misleading Information Concerning Rates.

Section 27-13-77False or misleading information concerning rates. No insurer and no officer, agent, or employee thereof shall give false or misleading information to any rating organization of which it is a member or subscriber or to the department which will in any manner affect the proper determination of reasonable, adequate, and nondiscriminatory rates. (Acts 1945, No. 133, p. 145, §18; Acts 1971, No. 407, p. 707, §301.)
AL Code § 27-13-78 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 13 - Rates and Rating Organizations.|Article 3 - Casualty and Surety Insurance.|Section 27-13-78 - Suspension of License or Certificate of Authority.

Section 27-13-78Suspension of license or certificate of authority. Any rating organization which violates any provision of this article shall be subject to suspension of its license, and any insurer making its own rates which violates any provisions of this article shall be subject to suspension of its certificate of authority to do business in this state. Failure of a rating organization or an insurer making its own rates to comply with the provisions of any order of the commissioner within 30 days after such order, or any extension thereof, as the commissioner may, in his discretion, grant shall automatically suspend the license of such rating organization or insurer. (Acts 1945, No. 133, p. 145, §19; Acts 1971, No. 407, p. 707, §302.)
AL Code § 27-13-79 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 13 - Rates and Rating Organizations.|Article 3 - Casualty and Surety Insurance.|Section 27-13-79 - Order Revoking or Suspending License.

Section 27-13-79Order revoking or suspending license. If the commissioner shall find, after due notice and hearing, that any rating organization, insurer, officer, agent, or representative thereof has willfully violated any of the provisions of this article, he may issue an order revoking or suspending the license of any such insurer, agent, broker, or representative thereof. (Acts 1945, No. 133, p. 145, §20; Acts 1971, No. 407, p. 707, §303.)
AL Code § 27-13-80 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 13 - Rates and Rating Organizations.|Article 3 - Casualty and Surety Insurance.|Section 27-13-80 - Notices, Hearings, and Orders by Commissioner.

Section 27-13-80Notices, hearings, and orders by commissioner. The commissioner shall not make any order under the provisions of this article without giving every rating organization and insurer who may be affected thereby reasonable notice and a hearing, if hearing is requested. All hearings provided for in this article shall be held at such time and place as shall be designated in a notice which shall be given in writing by registered or certified mail to such rating organization and insurer, or the officers and agents and representatives thereof, which may be affected thereby, at least 30 days before the date designated therein, which notice shall state the subject of the order. At the conclusion of such hearing, or within 30 days thereafter, the commissioner shall make such order, or orders, as he may deem necessary in accordance with his findings. (Acts 1945, No. 133, p. 145, §22; Acts 1971, No. 407, p. 707, §305.)
AL Code § 27-13-81 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 13 - Rates and Rating Organizations.|Article 3 - Casualty and Surety Insurance.|Section 27-13-81 - Review of Final Orders of Commissioner.

Section 27-13-81Review of final orders of commissioner. Any final order made by the commissioner as provided by law may, upon appropriate petition filed by the Attorney General on behalf of the state or by any interested party at any time within 30 days from the date of said order, be reviewed by the Circuit Court of Montgomery County, Alabama, on a writ of certiorari. Upon the filing of such petition, the petitioner shall file with the register or clerk of said court a bond, with good and sufficient sureties, to be approved by the register or clerk, conditioned to pay all costs which may be assessed against the petitioner in such proceedings. The Circuit Court of Montgomery County, Alabama, or the Court of Civil Appeals of Alabama, on appeal to it, may affirm said order or modify or repeal the same, in whole or in part. From the judgment of the Circuit Court of Montgomery County, Alabama, either the state or the interested party taking the appeal may appeal directly to the Court of Civil Appeals of Alabama within 42 days from the entry of the judgment; the interested party so appealing to the Court of Civil Appeals shall give security for the costs of such appeal to be approved by the register or clerk of said court. (Acts 1945, No. 133, p. 145, §23; Acts 1971, No. 407, p. 707, §306.)
AL Code § 27-13-82 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 13 - Rates and Rating Organizations.|Article 3 - Casualty and Surety Insurance.|Section 27-13-82 - Delegation of Authority by Commissioner.

Section 27-13-82Delegation of authority by commissioner. Whenever, under the provisions of this article, the commissioner is authorized or required to do any act, he may designate an assistant or any salaried employee of the department to act in his place and stead, who shall report to the commissioner and advise the commissioner on the nature of the matter delegated. The commissioner shall make such order, based upon such advice and report, as he shall, in his discretion, determine, and such order shall have the same force and effect as if the commissioner had acted thereon personally. (Acts 1945, No. 133, p. 145, §24; Acts 1971, No. 407, p. 707, §307.)
AL Code § 27-13-83 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 13 - Rates and Rating Organizations.|Article 3 - Casualty and Surety Insurance.|Section 27-13-83 - Penalty for Violation of Article.

Section 27-13-83Penalty for violation of article. Any rating organization, and any insurer, officer, agent, or representative thereof, failing to comply with, or otherwise willfully violating, any of the provisions of this article shall be guilty of a misdemeanor and, upon conviction, be punished by a fine of not less than $100.00 nor more than $500.00. (Acts 1945, No. 133, p. 145, §21; Acts 1971, No. 407, p. 707, §304.)
AL Code § 27-13-100 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 13 - Rates and Rating Organizations.|Article 4 - Insurance Advisory Organizations.|Section 27-13-100 - "Advisory Organization" Defined.

Section 27-13-100"Advisory organization" defined. "Advisory organization" means every group, association, or other organization of insurers, whether located within or without this state, which assists insurers which make their own filings or rating organizations in rate-making by collection and furnishing of loss or expense statistics or by the submission of recommendations, but which does not make filings under Articles 2 or 3 of this chapter. (Acts 1965, 2nd Ex. Sess., No. 120, p. 167, §1; Acts 1971, No. 407, p. 707, §308.)
AL Code § 27-13-101 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 13 - Rates and Rating Organizations.|Article 4 - Insurance Advisory Organizations.|Section 27-13-101 - Compliance With Article and Rules, etc., of Commissioner.

Section 27-13-101Compliance with article and rules, etc., of commissioner. Every advisory organization assisting any rating organization or any insurer whose rates are subject to regulation under Article 2 of this chapter or any rating organization or any insurer whose rates are subject to regulation under Article 3 of this chapter, as a condition precedent to the rendering of such assistance, shall comply with the provisions of this article and any, and all, duly promulgated rules or regulations or orders of the commissioner relative to insurance rates, rate-making, or assistance therein. (Acts 1965, 2nd Ex. Sess., No. 120, p. 167, §2; Acts 1971, No. 407, p. 707, §309.)
AL Code § 27-13-102 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 13 - Rates and Rating Organizations.|Article 4 - Insurance Advisory Organizations.|Section 27-13-102 - Filing With Commissioner; Orders by Commissioner Against Unfair Practices, etc., or Violations.

Section 27-13-102Filing with commissioner; orders by commissioner against unfair practices, etc., or violations. (a) Every advisory organization shall file with the commissioner: (1) A copy of its constitution, its articles of agreement or association or its certificate of incorporation and its bylaws, rules, and regulations governing its activities; (2) A list of its members; (3) The name and address of a resident of this state upon whom notices or orders of the commissioner or process issued at his direction may be served; and (4) An agreement that the commissioner may examine such advisory organization in accordance with the provisions of this section. (b) If, after a hearing, the commissioner finds that the furnishing of such information or assistance involves any act or practice which is unfair or unreasonable or otherwise inconsistent with the provisions of Articles 2 or 3 of this chapter, as the case may be, he may issue a written order specifying in what respects such act or practice is unfair or unreasonable or otherwise inconsistent with the provisions of Articles 2 or 3 of this chapter and requiring the discontinuance of such act or practice. (c) No insurer which makes its own filings nor any rating organization shall support its filings by statistics or adopt rate-making recommendations furnished to it by an advisory organization which has not complied with this article or with an order of the commissioner involving such statistics or recommendations issued under subsection (b) of this section. If the commissioner finds such insurer or rating organization to be in violation of this subsection, he may issue an order requiring the discontinuance of such violation. (Acts 1965, 2nd Ex. Sess., No. 120, p. 167, §3; Acts 1971, No. 407, p. 707, §310.)
AL Code § 27-13-103 (2021)
2021 Code of Alabama|Title 27 - Insurance.|Chapter 13 - Rates and Rating Organizations.|Article 4 - Insurance Advisory Organizations.|Section 27-13-103 - Advisory Organizations Deemed Subject to Examination.

Section 27-13-103Advisory organizations deemed subject to examination. (a) Every advisory organization rendering assistance to a rating organization or to an insurer whose rates are subject to regulation under Article 2 of this chapter shall agree to be subject to examination in the same manner, and upon the same terms and conditions, as rating organizations and insurers making their own rates are pursuant to Section 27-13-36. (b) Every advisory organization rendering assistance to a rating organization or to an insurer whose rates are subject to regulation under Article 3 of this chapter shall agree to be subject to examination in the same manner, and upon the same terms and conditions, as rating organizations and insurers making their own rates are pursuant to Section 21-13-74. (Acts 1965, 2nd Ex. Sess., No. 120, p. 167, §4; Acts 1971, No. 407, p. 707, §311.)