reglab/housing_qa huggingface dataset:
IN Code § 27-2-19-8 (2021)
2021 Indiana Code|Title 27. Insurance|Article 2. Powers and Duties of Insurers|Chapter 19. Fraud Investigation Information Exchange|27-2-19-8. Obtaining Medical Records and Reports in Claims for Bodily Injury

Sec. 8. (a) A law enforcement agency, insurer, or governmental agency who has obtained the names and addresses of a claimant's medical providers under section 6(b) of this chapter may obtain the claimant's medical records and medical reports from any other law enforcement agency, insurer, or governmental agency:(1) with the prior authorization or release of the injured claimant; or(2) without the prior authorization or release of the injured claimant if:(A) there is a reasonable belief that the mere request for authorization or a release will hinder a fraud investigation; and(B) a verified application is presented to the circuit court, superior court, or probate court in the county where the application or claim is presented that sets forth:(i) probable cause for the need to obtain the medical records and medical reports and medical related information contained in the medical records and medical reports without obtaining the proper release or authorization; and(ii) the specific medical records and medical reports and medical related information contained in the medical records and medical reports requested.(b) The court, upon review of the information presented in subsection (a), may issue an order authorizing the law enforcement agency, insurer, or governmental agency to release the medical records and medical reports and the medical related information contained in the medical records and reports requested.As added by P.L.187-1996, SEC.1. Amended by P.L.84-2016, SEC.118.
IN Code § 27-2-19-9 (2021)
2021 Indiana Code|Title 27. Insurance|Article 2. Powers and Duties of Insurers|Chapter 19. Fraud Investigation Information Exchange|27-2-19-9. Conflict of Laws

Sec. 9. For the purpose of insurance fraud investigation, if another provision in Indiana law regarding the release or receipt of information conflicts with this chapter, this chapter governs and controls.As added by P.L.187-1996, SEC.1.
IN Code § 27-2-20-1 (2021)
2021 Indiana Code|Title 27. Insurance|Article 2. Powers and Duties of Insurers|Chapter 20. Disclosure of Nonpublic Personal Financial Information|27-2-20-1. "Person" Defined

Sec. 1. As used in this chapter, "person" has the meaning set forth in IC 27-1-2-3.As added by P.L.203-2001, SEC.6.
IN Code § 27-2-20-2 (2021)
2021 Indiana Code|Title 27. Insurance|Article 2. Powers and Duties of Insurers|Chapter 20. Disclosure of Nonpublic Personal Financial Information|27-2-20-2. Disclosure Prohibited

Sec. 2. A person may not disclose any nonpublic personal information to a non-affiliated third party in violation of Title V of the Gramm-Leach-Blilely Act of 1999, 15 U.S.C. 6801 et seq.As added by P.L.203-2001, SEC.6.
IN Code § 27-2-20-3 (2021)
2021 Indiana Code|Title 27. Insurance|Article 2. Powers and Duties of Insurers|Chapter 20. Disclosure of Nonpublic Personal Financial Information|27-2-20-3. Adoption of Rules

Sec. 3. The commissioner may adopt rules under IC 4-22-2 to implement this chapter. These rules:(1) must be consistent with; and(2) may not be more restrictive than;the standards contained in 15 U.S.C. 6801 et seq.As added by P.L.203-2001, SEC.6.
IN Code § 27-2-20-4 (2021)
2021 Indiana Code|Title 27. Insurance|Article 2. Powers and Duties of Insurers|Chapter 20. Disclosure of Nonpublic Personal Financial Information|27-2-20-4. Private Right of Action Not Created

Sec. 4. This chapter does not create a private right of action against any person.As added by P.L.203-2001, SEC.6.
IN Code § 27-2-21-0.1 (2021)
2021 Indiana Code|Title 27. Insurance|Article 2. Powers and Duties of Insurers|Chapter 21. Use of Credit Information|27-2-21-0.1. Application of Chapter

Sec. 0.1. The addition of this chapter by P.L.201-2003 applies to a personal insurance policy:(1) application that is submitted; or(2) that is issued, delivered, amended, or renewed;after December 31, 2003.As added by P.L.220-2011, SEC.429.
IN Code § 27-2-21-1 (2021)
2021 Indiana Code|Title 27. Insurance|Article 2. Powers and Duties of Insurers|Chapter 21. Use of Credit Information|27-2-21-1. "Adverse Action"

Sec. 1. As used in this chapter, "adverse action" means:(1) a denial or cancellation of;(2) an increase in a charge for; or(3) a reduction or other adverse or unfavorable change in the terms of coverage or amount of;insurance in connection with the underwriting of a personal insurance policy.As added by P.L.201-2003, SEC.1.
IN Code § 27-2-21-2 (2021)
2021 Indiana Code|Title 27. Insurance|Article 2. Powers and Duties of Insurers|Chapter 21. Use of Credit Information|27-2-21-2. "Affiliate"

Sec. 2. As used in this chapter, "affiliate" means a company that controls, is controlled by, or is under common control with another company.As added by P.L.201-2003, SEC.1.
IN Code § 27-2-21-3 (2021)
2021 Indiana Code|Title 27. Insurance|Article 2. Powers and Duties of Insurers|Chapter 21. Use of Credit Information|27-2-21-3. "Applicant"

Sec. 3. As used in this chapter, "applicant" means an individual who has applied with an insurer for coverage under a personal insurance policy.As added by P.L.201-2003, SEC.1.
IN Code § 27-2-21-4 (2021)
2021 Indiana Code|Title 27. Insurance|Article 2. Powers and Duties of Insurers|Chapter 21. Use of Credit Information|27-2-21-4. "Commissioner"

Sec. 4. As used in this chapter, "commissioner" refers to the insurance commissioner appointed under IC 27-1-1-2.As added by P.L.201-2003, SEC.1.
IN Code § 27-2-21-5 (2021)
2021 Indiana Code|Title 27. Insurance|Article 2. Powers and Duties of Insurers|Chapter 21. Use of Credit Information|27-2-21-5. "Consumer"

Sec. 5. As used in this chapter, "consumer" means an:(1) insured whose:(A) credit information is used; or(B) insurance score is calculated;in the underwriting or rating of a personal insurance policy; or(2) applicant for a personal insurance policy.As added by P.L.201-2003, SEC.1.
IN Code § 27-2-21-6 (2021)
2021 Indiana Code|Title 27. Insurance|Article 2. Powers and Duties of Insurers|Chapter 21. Use of Credit Information|27-2-21-6. "Consumer Reporting Agency"

Sec. 6. As used in this chapter, "consumer reporting agency" means a person that, for a monetary fee or dues or on a cooperative nonprofit basis, regularly engages in the practice of assembling or evaluating consumer credit information or other information concerning consumers for the purpose of furnishing consumer reports to third parties.As added by P.L.201-2003, SEC.1.
IN Code § 27-2-21-7 (2021)
2021 Indiana Code|Title 27. Insurance|Article 2. Powers and Duties of Insurers|Chapter 21. Use of Credit Information|27-2-21-7. "Credit Information"

Sec. 7. As used in this chapter, "credit information" means credit related information:(1) derived from a credit report;(2) found on a credit report; or(3) provided on an application for a personal insurance policy.The term does not include information that is not credit related, regardless of whether the information is contained in a credit report or in an application or is used to calculate an insurance score.As added by P.L.201-2003, SEC.1.
IN Code § 27-2-21-8 (2021)
2021 Indiana Code|Title 27. Insurance|Article 2. Powers and Duties of Insurers|Chapter 21. Use of Credit Information|27-2-21-8. "Credit Report"

Sec. 8. As used in this chapter, "credit report" means a written, an oral, or another communication of information by a consumer reporting agency concerning a consumer's creditworthiness, credit standing, or credit capacity that is used or expected to be used or collected as a factor to determine personal insurance policy premiums, eligibility for coverage, or tier placement.As added by P.L.201-2003, SEC.1.
IN Code § 27-2-21-9 (2021)
2021 Indiana Code|Title 27. Insurance|Article 2. Powers and Duties of Insurers|Chapter 21. Use of Credit Information|27-2-21-9. "Department"

Sec. 9. As used in this chapter, "department" refers to the department of insurance created by IC 27-1-1-1.As added by P.L.201-2003, SEC.1.
IN Code § 27-2-21-10 (2021)
2021 Indiana Code|Title 27. Insurance|Article 2. Powers and Duties of Insurers|Chapter 21. Use of Credit Information|27-2-21-10. "Insurance Producer"

Sec. 10. As used in this chapter, "insurance producer" has the meaning set forth in IC 27-1-15.6-2.As added by P.L.201-2003, SEC.1. Amended by P.L.11-2011, SEC.24.
IN Code § 27-2-21-11 (2021)
2021 Indiana Code|Title 27. Insurance|Article 2. Powers and Duties of Insurers|Chapter 21. Use of Credit Information|27-2-21-11. "Insurance Score"

Sec. 11. As used in this chapter, "insurance score" means a number or rating that is derived from an algorithm, computer application, model, or other process that is based on credit information for the purpose of predicting the future insurance loss exposure of an individual consumer.As added by P.L.201-2003, SEC.1.
IN Code § 27-2-21-12 (2021)
2021 Indiana Code|Title 27. Insurance|Article 2. Powers and Duties of Insurers|Chapter 21. Use of Credit Information|27-2-21-12. "Insured"

Sec. 12. As used in this chapter, "insured" means an individual entitled to coverage under a personal insurance policy.As added by P.L.201-2003, SEC.1.
IN Code § 27-2-21-13 (2021)
2021 Indiana Code|Title 27. Insurance|Article 2. Powers and Duties of Insurers|Chapter 21. Use of Credit Information|27-2-21-13. "Insurer"

Sec. 13. As used in this chapter, "insurer" refers to an insurer (as defined in IC 27-1-2-3) that issues a personal insurance policy.As added by P.L.201-2003, SEC.1.
IN Code § 27-2-21-14 (2021)
2021 Indiana Code|Title 27. Insurance|Article 2. Powers and Duties of Insurers|Chapter 21. Use of Credit Information|27-2-21-14. "Personal Insurance Policy"

Sec. 14. As used in this chapter, "personal insurance policy" means a policy that:(1) provides one (1) or more of the kinds of insurance described in Class 2 or Class 3 of IC 27-1-5-1; and(2) is underwritten on an individual basis for personal, family, or household use.As added by P.L.201-2003, SEC.1.
IN Code § 27-2-21-15 (2021)
2021 Indiana Code|Title 27. Insurance|Article 2. Powers and Duties of Insurers|Chapter 21. Use of Credit Information|27-2-21-15. Applicability

Sec. 15. This chapter does not apply to commercial insurance.As added by P.L.201-2003, SEC.1.
IN Code § 27-2-21-17 (2021)
2021 Indiana Code|Title 27. Insurance|Article 2. Powers and Duties of Insurers|Chapter 21. Use of Credit Information|27-2-21-17. Incorrect or Incomplete Credit Information; Notice; Remedy

Sec. 17. (a) If:(1) a determination is made through the dispute resolution process set forth in the federal Fair Credit Reporting Act, 15 U.S.C. 1681i(a)(5), that the credit information of a current insured was incorrect or incomplete; and(2) the insurer receives notice of the determination from the consumer reporting agency or the insured;the insurer shall re-underwrite and re-rate the insured not more than thirty (30) days after receiving the notice.(b) After an insurer re-underwrites or re-rates an insured as described in subsection (a), the insurer shall:(1) make necessary adjustments, consistent with the insurer's underwriting and rating guidelines; and(2) if the insurer determines that the insured has overpaid a premium, refund to the insured the amount of overpayment calculated back to the shorter of the:(A) immediately preceding twelve (12) month period of coverage; or(B) actual policy period.As added by P.L.201-2003, SEC.1.
IN Code § 27-2-21-18 (2021)
2021 Indiana Code|Title 27. Insurance|Article 2. Powers and Duties of Insurers|Chapter 21. Use of Credit Information|27-2-21-18. Disclosure of Use of Credit Information

Sec. 18. (a) If an insurer uses credit information in underwriting or rating a consumer, the insurer or the insurer's agent shall disclose, either on the insurance application or at the time the insurance application is taken, that the insurer may obtain credit information in connection with the application. The disclosure must be:(1) written; or(2) provided to the consumer in the same medium as the application for insurance.The insurer is not required to provide the disclosure statement required under this section to an insured on a renewal policy if the insured has previously been provided a disclosure statement.(b) Use of the following sample disclosure statement constitutes compliance with this section: "In connection with this application for insurance, we may review your credit report or obtain or use a credit based insurance score based on the information contained in that credit report. We may use a third party in connection with the development of your insurance score.".As added by P.L.201-2003, SEC.1.
IN Code § 27-2-21-19 (2021)
2021 Indiana Code|Title 27. Insurance|Article 2. Powers and Duties of Insurers|Chapter 21. Use of Credit Information|27-2-21-19. Adverse Action Based on Credit Information; Notice

Sec. 19. (a) If an insurer takes an adverse action based on credit information, the insurer shall:(1) provide notice to the consumer that an adverse action has been taken, in accordance with the requirements of the federal Fair Credit Reporting Act, 15 U.S.C. 1681m(a); and(2) provide notice to the consumer explaining the reason for the adverse action.(b) The reason provided under subsection (a)(2) must be provided in sufficiently clear and specific language so that an individual can identify the basis for the insurer's decision to take an adverse action. The notice must include a description of all factors up to four (4) primary 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 requirements of this subsection. A standardized credit explanation provided by a consumer reporting agency or other third party vendor meets the requirements of this section.As added by P.L.201-2003, SEC.1.
IN Code § 27-2-21-20 (2021)
2021 Indiana Code|Title 27. Insurance|Article 2. Powers and Duties of Insurers|Chapter 21. Use of Credit Information|27-2-21-20. Filings

Sec. 20. (a) An insurer that uses an insurance score to underwrite and rate risks shall file the insurer's scoring models or other scoring processes with the department.(b) A third party may file a scoring model or scoring process on behalf of an insurer.(c) A filing that includes insurance scoring may include loss experience justifying the use of credit information.(d) A filing related to credit information is confidential.As added by P.L.201-2003, SEC.1.
IN Code § 27-2-21-21 (2021)
2021 Indiana Code|Title 27. Insurance|Article 2. Powers and Duties of Insurers|Chapter 21. Use of Credit Information|27-2-21-21. Insurance Producer Indemnification, Defense, and Hold Harmless

Sec. 21. (a) An insurer shall indemnify and defend an insurance producer and hold an insurance producer harmless from and against liability, fees, and costs arising out of or related to the actions, errors, or omissions of the insurance producer relating to a use of credit information if the insurance producer:(1) obtains or uses credit information or insurance scores for the insurer;(2) follows the instructions of or procedures established by the insurer; and(3) complies with applicable laws and regulations.(b) This section does not provide a consumer with a cause of action that does not exist in the absence of this section.As added by P.L.201-2003, SEC.1.
IN Code § 27-2-21-22 (2021)
2021 Indiana Code|Title 27. Insurance|Article 2. Powers and Duties of Insurers|Chapter 21. Use of Credit Information|27-2-21-22. Consumer Reporting Agency Prohibitions

Sec. 22. (a) A consumer reporting agency may not provide or sell data or lists that include information submitted in conjunction with:(1) an insurance inquiry about a consumer's credit information; or(2) a request for a credit report or insurance score;including the expiration dates of an insurance policy or other information that may identify periods during which a consumer's insurance expires and the terms and conditions of the consumer's insurance coverage.(b) The restrictions under subsection (a) do not apply to data or lists a consumer reporting agency supplies to an:(1) insurance producer from whom the information was received;(2) insurer on behalf of which the insurance producer described in subdivision (1) acted; or(3) affiliate or holding company of the insurer described in subdivision (2).(c) This section does not prohibit an insurer from obtaining a claim history report or a motor vehicle report.As added by P.L.201-2003, SEC.1.
IN Code § 27-2-21-23 (2021)
2021 Indiana Code|Title 27. Insurance|Article 2. Powers and Duties of Insurers|Chapter 21. Use of Credit Information|27-2-21-23. Violations

Sec. 23. A violation of this chapter by an insurer is an unfair and deceptive act and practice in the business of insurance under IC 27-4-1-4.As added by P.L.201-2003, SEC.1.
IN Code § 27-2-22-1 (2021)
2021 Indiana Code|Title 27. Insurance|Article 2. Powers and Duties of Insurers|Chapter 22. Retained Asset Accounts|27-2-22-1. Application of Chapter

Sec. 1. This chapter applies to a claim that is filed under a policy after June 30, 2011.As added by P.L.67-2011, SEC.1.
IN Code § 27-2-22-2 (2021)
2021 Indiana Code|Title 27. Insurance|Article 2. Powers and Duties of Insurers|Chapter 22. Retained Asset Accounts|27-2-22-2. "Commissioner"

Sec. 2. As used in this chapter, "commissioner" refers to the insurance commissioner appointed under IC 27-1-1-2.As added by P.L.67-2011, SEC.1.
IN Code § 27-2-22-3 (2021)
2021 Indiana Code|Title 27. Insurance|Article 2. Powers and Duties of Insurers|Chapter 22. Retained Asset Accounts|27-2-22-3. "Insured"

Sec. 3. As used in this chapter, "insured" means the individual whose life is the subject of insurance under a policy.As added by P.L.67-2011, SEC.1.
IN Code § 27-2-22-4 (2021)
2021 Indiana Code|Title 27. Insurance|Article 2. Powers and Duties of Insurers|Chapter 22. Retained Asset Accounts|27-2-22-4. "Insurer"

Sec. 4. As used in this chapter, "insurer" means an insurance company that issues a policy.As added by P.L.67-2011, SEC.1.
IN Code § 27-2-22-5 (2021)
2021 Indiana Code|Title 27. Insurance|Article 2. Powers and Duties of Insurers|Chapter 22. Retained Asset Accounts|27-2-22-5. "Policy"

Sec. 5. As used in this chapter, "policy" means a policy or certificate that provides the kind of insurance described in Class 1 of IC 27-1-5-1.As added by P.L.67-2011, SEC.1.
IN Code § 27-2-22-6 (2021)
2021 Indiana Code|Title 27. Insurance|Article 2. Powers and Duties of Insurers|Chapter 22. Retained Asset Accounts|27-2-22-6. "Retained Asset Account"

Sec. 6. As used in this chapter, "retained asset account" means a mechanism through which the settlement of proceeds payable under a policy occurs by the insurer's deposit of the proceeds into a checking or draft account:(1) in which the proceeds are retained by the insurer; and(2) under a contract that is supplemental to the policy and does not involve annuity benefits.As added by P.L.67-2011, SEC.1.
IN Code § 27-2-22-7 (2021)
2021 Indiana Code|Title 27. Insurance|Article 2. Powers and Duties of Insurers|Chapter 22. Retained Asset Accounts|27-2-22-7. Requirements for Use of Retained Asset Account

Sec. 7. An insurer may not use a retained asset account unless, before the policy proceeds are transferred to the retained asset account, the insurer:(1) informs:(A) the beneficiary;(B) the legal representative of the beneficiary; or(C) in the case of a group policy, the policy owner;of the beneficiary's right to a lump sum payment of the full amount of the policy proceeds; and(2) makes the disclosure described in section 8(c) of this chapter to the beneficiary.As added by P.L.67-2011, SEC.1.
IN Code § 27-2-22-8 (2021)
2021 Indiana Code|Title 27. Insurance|Article 2. Powers and Duties of Insurers|Chapter 22. Retained Asset Accounts|27-2-22-8. Required Disclosures by Insurer to the Beneficiary

Sec. 8. (a) An insurer that pays a policy death benefit in any manner other than a lump sum payment of the full amount of the policy proceeds shall provide, in written or electronic form, a disclosure containing a complete list and clear explanation of all payment options available to the beneficiary.(b) An insurer described in subsection (a) shall not use a retained asset account as the default manner of payment of the policy death benefit unless the insurer conspicuously discloses to the beneficiary that, in the event that the beneficiary does not choose another payment option, a retained asset account will be used as the default manner of payment.(c) The disclosure required by section 7 of this chapter must include the following information:(1) A recommendation for the beneficiary to consult a tax, investment, or other financial adviser regarding tax liability and investment options.(2) The:(A) method by which interest rates are determined;(B) timing and method of interest rate changes; and(C) dividends or other gains that may be paid to the beneficiary;applicable to the funds in the retained asset account.(3) The identity of the custodian of the funds in the retained asset account.(4) Whether the retained asset account is insured by the Federal Deposit Insurance Corporation and, if so, the amount of the coverage.(5) Any limitations on the number and amount of withdrawals of funds from the retained asset account, including minimum or maximum benefit payment amounts.(6) Services related to the retained asset account that are provided for a fee, including a list of the fees or method of calculation of the fees.(7) The nature and frequency of statements of account for the retained asset account.(8) That the payment of some or all of the proceeds may be by the delivery of checks, drafts, or other instruments to access the available funds.(9) That the entire proceeds are available to the beneficiary by the use of one (1) check, draft, or other instrument.(10) That the insurer or a related party may derive income, in addition to fees charged on the retained asset account, from the total gains received on the investment of the balance of funds in the retained asset account.(11) The telephone number, address, and other contact information, including Internet web site address, from which the beneficiary may obtain additional information regarding the retained asset account.(12) The following statement:"FOR FURTHER INFORMATION, PLEASE CONTACT YOUR STATE DEPARTMENT OF INSURANCE.".(d) The disclosures described in this section must be written in:(1) layman's terms; and(2) bold or at least 12 point type.As added by P.L.67-2011, SEC.1. Amended by P.L.6-2012, SEC.187.
IN Code § 27-2-22-9 (2021)
2021 Indiana Code|Title 27. Insurance|Article 2. Powers and Duties of Insurers|Chapter 22. Retained Asset Accounts|27-2-22-9. Violation of Chapter

Sec. 9. A violation of this chapter is an unfair and deceptive act in the business of insurance under IC 27-4-1-4.As added by P.L.67-2011, SEC.1.
IN Code § 27-2-23-1 (2021)
2021 Indiana Code|Title 27. Insurance|Article 2. Powers and Duties of Insurers|Chapter 23. Unclaimed Life Insurance Benefits|27-2-23-1. Application of Chapter

Sec. 1. This chapter applies after June 30, 2015.As added by P.L.90-2014, SEC.1.
IN Code § 27-2-23-2 (2021)
2021 Indiana Code|Title 27. Insurance|Article 2. Powers and Duties of Insurers|Chapter 23. Unclaimed Life Insurance Benefits|27-2-23-2. Definitions

Sec. 2. Except as provided in this chapter, the definitions in IC 27-2-22 apply throughout this chapter.As added by P.L.90-2014, SEC.1.
IN Code § 27-2-23-3 (2021)
2021 Indiana Code|Title 27. Insurance|Article 2. Powers and Duties of Insurers|Chapter 23. Unclaimed Life Insurance Benefits|27-2-23-3. "Account Owner"

Sec. 3. As used in this chapter, "account owner" means an Indiana resident who is the owner of a retained asset account.As added by P.L.90-2014, SEC.1.