reglab/housing_qa huggingface dataset:
24-A ME Rev Stat § 2436-A (2021)
2021 Maine Revised Statutes|TITLE 24-A: MAINE INSURANCE CODE|Chapter 27: THE INSURANCE CONTRACT|24-A §2436-A. Unfair claims settlement practices

 §2436-A. Unfair claims settlement practices 1.  Civil actions.  A person injured by any of the following actions taken by that person's own insurer may bring a civil action and recover damages, together with costs and disbursements, reasonable attorney's fees and interest on damages at the rate of 1 1/2% per month:   A. Knowingly misrepresenting to an insured pertinent facts or policy provisions relating to coverage at issue;   [PL 1997, c. 621, §1 (RPR).]B. Failing to acknowledge and review claims, which may include payment or denial of a claim, within a reasonable time following receipt of written notice by the insurer of a claim by an insured arising under a policy;   [PL 1997, c. 621, §1 (RPR).]C. Threatening to appeal from an arbitration award in favor of an insured for the sole purpose of compelling the insured to accept a settlement less than the arbitration award;   [PL 1997, c. 621, §1 (RPR).]D. Failing to affirm or deny coverage, reserving any appropriate defenses, within a reasonable time after having completed its investigation related to a claim; or   [PL 1997, c. 621, §1 (RPR).]E. Without just cause, failing to effectuate prompt, fair and equitable settlement of claims submitted in which liability has become reasonably clear.   [PL 1997, c. 621, §1 (NEW).][PL 1997, c. 621, §1 (RPR).] 2.  Without just cause.  For the purposes of this section, an insurer acts without just cause if it refuses to settle claims without a reasonable basis to contest liability, the amount of any damages or the extent of any injuries claimed.   [PL 1997, c. 621, §1 (RPR).] 3.  No limitation on other cause of action.  Nothing in this section prohibits any other claim or cause of action a person has against an insurer.   [PL 1997, c. 621, §1 (NEW).] 4.  Application.  This section does not apply to workers' compensation claims.   [PL 1997, c. 621, §1 (NEW).] SECTION HISTORY PL 1987, c. 291, §2 (NEW). PL 1997, c. 621, §1 (RPR).
24-A ME Rev Stat § 2436-B (2021)
2021 Maine Revised Statutes|TITLE 24-A: MAINE INSURANCE CODE|Chapter 27: THE INSURANCE CONTRACT|24-A §2436-B. Declaratory judgment actions involving insurance policies

 §2436-B. Declaratory judgment actions involving insurance policies 1.  Definition.  For purposes of this section, "insured" means a natural person and does not include a corporation, trust, partnership, incorporated or unincorporated association or any other legal entity.   [PL 2001, c. 126, §1 (NEW).] 2.  Costs and attorney's fees.  In an action pursuant to Title 14, chapter 707 to determine an insurer's contractual duty to defend an insured under an insurance policy, if the insured prevails in such action, the insurer shall pay court costs and reasonable attorney's fees.   [PL 2001, c. 126, §1 (NEW).] 3.  Application.  This section does not apply to workers' compensation, disability, life, health, accidental injury, specified disease, hospital indemnity, Medicare supplement, long-term care or other limited benefit health insurance.   [PL 2001, c. 126, §1 (NEW).] 4.  Construction.  This section may not be construed to permit any assignment of rights by an insured to any other person or to create or extend any right or cause of action for a 3rd-party claimant under an insurance policy.   [PL 2001, c. 126, §1 (NEW).] SECTION HISTORY PL 2001, c. 126, §1 (NEW).
24-A ME Rev Stat § 2437 (2021)
2021 Maine Revised Statutes|TITLE 24-A: MAINE INSURANCE CODE|Chapter 27: THE INSURANCE CONTRACT|24-A §2437. Procedures covered by health insurance policies whether performed by physician or dentist

 §2437. Procedures covered by health insurance policies whether performed by physician or dentist Whenever the terms "physician" and "doctor" are used in any policy of health or accident insurance issued in this State, these terms include within their meaning those persons licensed under and in accordance with the laws relating to the practice of dentistry, Title 32, chapter 143, in respect to any care, services, procedures or benefits covered by that policy of insurance that those persons are licensed to perform, any provisions in any such policy of insurance to the contrary notwithstanding.   [PL 2017, c. 288, Pt. A, §31 (AMD).]SECTION HISTORY PL 1975, c. 345, §2 (NEW). PL 2015, c. 429, §10 (AMD). PL 2017, c. 288, Pt. A, §31 (AMD).
24-A ME Rev Stat § 2438 (2021)
2021 Maine Revised Statutes|TITLE 24-A: MAINE INSURANCE CODE|Chapter 27: THE INSURANCE CONTRACT|24-A §2438. Short title

 §2438. Short title This section and sections 2439 to 2445 shall be known as the "Insurance Policy Language Simplification Act."   [PL 1979, c. 267, §2 (NEW).]SECTION HISTORY PL 1979, c. 267, §2 (NEW).
24-A ME Rev Stat § 2439 (2021)
2021 Maine Revised Statutes|TITLE 24-A: MAINE INSURANCE CODE|Chapter 27: THE INSURANCE CONTRACT|24-A §2439. Definitions

 §2439. Definitions As used in sections 2438 to 2445, unless the context otherwise indicates, the following terms shall have the following meanings.   [PL 1979, c. 267, §2 (NEW).]1.  Insurer.  "Insurer" means any life, health, casualty or property insurance company, fraternal benefit society, nonprofit health service corporation, nonprofit hospital service corporation, nonprofit medical service corporation, prepaid health plan, dental care plan, vision care plan, pharmaceutical plan, health maintenance organization and all similar type organizations.   [PL 1979, c. 267, §2 (NEW).] 2.  Policy or policy form.  "Policy" or "policy form" means any policy, contract, plan or agreement of life or health insurance or casualty or property insurance subject to chapter 39, subchapter II, or chapter 41, subchapter V, including credit life insurance and credit health insurance.   [PL 1979, c. 267, §2 (NEW).] 3.  Superintendent.  "Superintendent" means the Superintendent of Insurance.   [PL 1979, c. 267, §2 (NEW).] SECTION HISTORY PL 1979, c. 267, §2 (NEW).
24-A ME Rev Stat § 2440 (2021)
2021 Maine Revised Statutes|TITLE 24-A: MAINE INSURANCE CODE|Chapter 27: THE INSURANCE CONTRACT|24-A §2440. Applicability

 §2440. Applicability 1.  Application.  This Act shall apply to all policies delivered or issued for delivery in this State by an insurer on or after the date the forms must be approved under this Act, but nothing in this Act shall apply to:   A. Any policy which is a security subject to federal jurisdiction;   [PL 1979, c. 267, §2 (NEW).]B. Any group policy covering a group of 1,000 or more lives at date of issue, other than a group credit life or health insurance policy; this shall not exempt any certificate issued pursuant to a group policy delivered or issued for delivery in this State;   [PL 1979, c. 267, §2 (NEW).]C. Any group annuity contract which serves as a funding vehicle for pension, profit-sharing or deferred compensation plans;   [PL 1979, c. 267, §2 (NEW).]D. Any form used in connection with, as a conversion from, as an addition to, or in exchange pursuant to a contractual provision for, a policy delivered or issued for delivery on a form approved or permitted to be issued prior to the dates the forms must be approved under this section;   [PL 1979, c. 267, §2 (NEW).]E. The renewal of a policy delivered or issued for delivery prior to the dates the forms must be approved under this Act.   [PL 1979, c. 267, §2 (NEW).][PL 1979, c. 267, §2 (NEW).] 2.  Exception.  No other statute of this State setting language simplification standards shall apply to any policy forms.   [PL 1979, c. 267, §2 (NEW).] SECTION HISTORY PL 1979, c. 267, §2 (NEW).
24-A ME Rev Stat § 2442 (2021)
2021 Maine Revised Statutes|TITLE 24-A: MAINE INSURANCE CODE|Chapter 27: THE INSURANCE CONTRACT|24-A §2442. Construction

 §2442. Construction Nothing in this Act shall be construed to negate any law of this State permitting the issuance of any policy form after it has been on file for the time period specified.   [PL 1979, c. 267, §2 (NEW).]SECTION HISTORY PL 1979, c. 267, §2 (NEW).
24-A ME Rev Stat § 2443 (2021)
2021 Maine Revised Statutes|TITLE 24-A: MAINE INSURANCE CODE|Chapter 27: THE INSURANCE CONTRACT|24-A §2443. Powers of the superintendent

 §2443. Powers of the superintendent The superintendent may authorize a lower score than the Flesch reading ease score required in section 2441, subsection 1, paragraph A, whenever, in the superintendent's sole discretion, the superintendent finds that a lower score will provide a more accurate reflection of the readability of a policy form, or is warranted by the nature of a particular policy form or type or class of policy forms, or is caused by certain policy language that is drafted to conform to the requirements of any state law, regulation or agency interpretation.   [RR 2021, c. 1, Pt. B, §224 (COR).]SECTION HISTORY PL 1979, c. 267, §2 (NEW). RR 2021, c. 1, Pt. B, §224 (COR).
24-A ME Rev Stat § 2444 (2021)
2021 Maine Revised Statutes|TITLE 24-A: MAINE INSURANCE CODE|Chapter 27: THE INSURANCE CONTRACT|24-A §2444. Approval of forms

 §2444. Approval of forms A policy form meeting the requirements of section 2441, subsection 1 shall be approved notwithstanding the provisions of any other laws which specify the content of policies, if the policy form provides the policyholders and claimants protection not less favorable than they would be entitled to under such laws.   [PL 1979, c. 267, §2 (NEW).]SECTION HISTORY PL 1979, c. 267, §2 (NEW).
24-A ME Rev Stat § 2445 (2021)
2021 Maine Revised Statutes|TITLE 24-A: MAINE INSURANCE CODE|Chapter 27: THE INSURANCE CONTRACT|24-A §2445. Effective dates

 §2445. Effective dates 1.  Policy form delivered.  No policy form shall be delivered or issued for delivery in this State on or after June 1, 1984, unless approved by the superintendent or permitted to be issued under this Act. Any policy form which has been approved or permitted to be issued prior to June 1, 1984, and which meets the standards set by this Act need not be refiled for approval, but may continue to be lawfully delivered or issued for delivery in this State upon the filing with the superintendent of a list of forms identified by form number and accompanied by a certificate as to each form in the manner provided in section 2441, subsection 4.   [PL 1979, c. 267, §2 (NEW).] 2.  Dates extended.  The superintendent may, in the superintendent's sole discretion, extend the dates in subsection 1.   [RR 2021, c. 1, Pt. B, §225 (COR).] SECTION HISTORY PL 1979, c. 267, §2 (NEW). RR 2021, c. 1, Pt. B, §225 (COR).
24-A ME Rev Stat § 2450 (2021)
2021 Maine Revised Statutes|TITLE 24-A: MAINE INSURANCE CODE|Chapter 27: THE INSURANCE CONTRACT|24-A §2450. Eligibility for health insurance in certain cases

 §2450. Eligibility for health insurance in certain cases No policy of accident or health insurance, or group or blanket accident or health insurance or renewals thereof, shall be denied or not renewed by the insurer, solely because the mother of the insured has taken or is discovered to have taken diethylstilbestrol, commonly referred to as DES.   [PL 1979, c. 415, §3 (NEW).]SECTION HISTORY PL 1979, c. 415, §3 (NEW).
24-A ME Rev Stat § 2451 (2021)
2021 Maine Revised Statutes|TITLE 24-A: MAINE INSURANCE CODE|Chapter 27: THE INSURANCE CONTRACT|24-A §2451. Minimum 3-month policy for motor vehicle liability insurance (REPEALED)

 §2451. Minimum 3-month policy for motor vehicle liability insurance (REPEALED)SECTION HISTORY PL 1987, c. 341, §§2,7 (NEW). MRSA T. 24-A §2451 (RP).
24-A ME Rev Stat § 2452 (2021)
2021 Maine Revised Statutes|TITLE 24-A: MAINE INSURANCE CODE|Chapter 27: THE INSURANCE CONTRACT|24-A §2452. Employee benefit excess insurance; nondiscrimination; prohibited clauses

 §2452. Employee benefit excess insurance; nondiscrimination; prohibited clauses 1.  Discrimination prohibited.  A policy of employee benefit excess insurance may not discriminate unfairly among or against beneficiaries of the underlying benefit plan, or treat conditions related to the Human Immunodeficiency Virus, or HIV, more restrictively than other sicknesses or disabling conditions.   [PL 1991, c. 385, §11 (NEW).] 2.  Commutation clause.  A policy of employee benefit excess insurance may not contain a commutation clause that extinguishes the excess carrier's gross claims liability to the insured person through the recapture of loss reserves, unless the policy contains a provision giving the insured the option of requiring that the funds transferred in support of such a commutation have been evaluated by a qualified health actuary who is a member of the American Academy of Actuaries and has certified that the aggregate value of reserves to be recaptured are reasonably adequate to discharge the insured's expected liability for future costs of the health benefits covered by the excess policy.   [PL 1991, c. 385, §11 (NEW).] 3.  Review.  An employee benefit excess insurance form is not exempt from the review provisions otherwise applicable under section 2412 on the ground that the form is designed for insurance on a particular subject.   [PL 1991, c. 385, §11 (NEW).] SECTION HISTORY PL 1991, c. 385, §11 (NEW).
24-A ME Rev Stat § 2453 (2021)
2021 Maine Revised Statutes|TITLE 24-A: MAINE INSURANCE CODE|Chapter 27: THE INSURANCE CONTRACT|24-A §2453. Effective date of cancellation

 §2453. Effective date of cancellation Life and health insurance policies that do not provide for any refund of premium when a policyholder requests cancellation prior to the end of the period for which premiums have been paid must state that no refund is payable and that the cancellation will take effect at the end of the period for which premiums have been paid unless the policyholder requests an earlier cancellation date. If a policyholder requests cancellation of a contract before the end of the period for which premiums have been paid, then the insurer must inform the policyholder in writing that no refund is payable and give the policyholder an opportunity to amend the cancellation request to take effect at the end of the period for which premiums have been paid.   [PL 1997, c. 604, Pt. F, §2 (NEW).]SECTION HISTORY PL 1997, c. 604, §F2 (NEW).
24-A ME Rev Stat § 2471 (2021)
2021 Maine Revised Statutes|TITLE 24-A: MAINE INSURANCE CODE|Chapter 28: INTERSTATE INSURANCE PRODUCT REGULATION COMPACT|24-A §2471. Short title -- Article 1

 §2471. Short title -- Article 1 This chapter may be known and cited as "the Interstate Insurance Product Regulation Compact."   [PL 2003, c. 680, §1 (NEW).]SECTION HISTORY PL 2003, c. 680, §1 (NEW).
24-A ME Rev Stat § 2472 (2021)
2021 Maine Revised Statutes|TITLE 24-A: MAINE INSURANCE CODE|Chapter 28: INTERSTATE INSURANCE PRODUCT REGULATION COMPACT|24-A §2472. Interstate Insurance Product Regulation Compact established; purposes

 §2472. Interstate Insurance Product Regulation Compact established; purposes 1.  Compact established.  Pursuant to terms and conditions of this chapter, the State seeks to join with other states and establish the Interstate Insurance Product Regulation Compact, referred to in this chapter as "the compact," and thus become a member of the Interstate Insurance Product Regulation Commission. The superintendent is designated to serve as the representative of this State to the commission.   [PL 2003, c. 680, §1 (NEW).] 2.  Purposes.  The purposes of this compact are, through means of joint and cooperative action among the compacting states:   A. To promote and protect the interest of consumers of individual and group annuity, life, disability income and long-term care insurance products;   [PL 2003, c. 680, §1 (NEW).]B. To develop uniform standards for insurance products covered under the compact;   [PL 2003, c. 680, §1 (NEW).]C. To establish a central clearinghouse to receive and provide prompt review of insurance products covered under the compact and, in certain cases, advertisements related thereto, submitted by insurers authorized to do business in one or more compacting states;   [PL 2003, c. 680, §1 (NEW).]D. To give appropriate regulatory approval to those product filings and advertisements satisfying the applicable uniform standard;   [PL 2003, c. 680, §1 (NEW).]E. To improve coordination of regulatory resources and expertise between state insurance departments regarding the setting of uniform standards and review of insurance products covered under the compact;   [PL 2003, c. 680, §1 (NEW).]F. To create the Interstate Insurance Product Regulation Commission; and   [PL 2003, c. 680, §1 (NEW).]G. To perform these and such other related functions as may be consistent with the state regulation of the business of insurance.   [PL 2003, c. 680, §1 (NEW).][PL 2003, c. 680, §1 (NEW).] SECTION HISTORY PL 2003, c. 680, §1 (NEW).
24-A ME Rev Stat § 2474 (2021)
2021 Maine Revised Statutes|TITLE 24-A: MAINE INSURANCE CODE|Chapter 28: INTERSTATE INSURANCE PRODUCT REGULATION COMPACT|24-A §2474. Establishment of commission; venue -- Article 3

 §2474. Establishment of commission; venue -- Article 3 1.  Commission created.  The compacting states hereby create and establish a joint public agency known as the Interstate Insurance Product Regulation Commission. The commission has the power to develop uniform standards for product lines, receive and provide prompt review of products filed and give approval to those product filings satisfying applicable uniform standards. It is not intended that the commission be the exclusive entity for receipt and review of insurance product filings in the State. This subsection does not prohibit an insurer from filing its product in a state where the insurer is licensed to conduct the business of insurance, and any such filing is subject to the laws of the state where filed.   [PL 2003, c. 680, §1 (NEW).] 2.  Body corporate.  The commission is a body corporate and politic and an instrumentality of the compacting states.   [PL 2003, c. 680, §1 (NEW).] 3.  Responsible for liabilities.  The commission is solely responsible for its liabilities except as otherwise specifically provided in the compact.   [PL 2003, c. 680, §1 (NEW).] 4.  Venue.  Proper and judicial proceedings by or against the commission must be brought solely and exclusively in a court of competent jurisdiction where the principal office of the commission is located.   [PL 2003, c. 680, §1 (NEW).] SECTION HISTORY PL 2003, c. 680, §1 (NEW).
24-A ME Rev Stat § 2477 (2021)
2021 Maine Revised Statutes|TITLE 24-A: MAINE INSURANCE CODE|Chapter 28: INTERSTATE INSURANCE PRODUCT REGULATION COMPACT|24-A §2477. Meetings; acts of commission -- Article 6

 §2477. Meetings; acts of commission -- Article 6 1.  Meetings.  The commission shall meet and take such actions as are consistent with the provisions of this compact and the bylaws.   [PL 2003, c. 680, §1 (NEW).] 2.  Participate at meetings.  Each member of the commission has the right and power to cast the vote to which the member's compacting state is entitled and to participate in the business and affairs of the commission. A member shall vote in person or by such other means as provided in the bylaws. The bylaws may provide for members' participation in meetings by telephone or other means of communication.   [PL 2003, c. 680, §1 (NEW).] 3.  Annual meeting.  The commission shall meet at least once during each calendar year. Additional meetings are held as set forth in the bylaws.   [PL 2003, c. 680, §1 (NEW).] SECTION HISTORY PL 2003, c. 680, §1 (NEW).
24-A ME Rev Stat § 2480 (2021)
2021 Maine Revised Statutes|TITLE 24-A: MAINE INSURANCE CODE|Chapter 28: INTERSTATE INSURANCE PRODUCT REGULATION COMPACT|24-A §2480. Dispute resolution -- Article 9

 §2480. Dispute resolution -- Article 9 The commission shall attempt, upon the request of a member, to resolve any disputes or other issues that are subject to this compact and that may arise between 2 or more compacting states, or between compacting states and noncompacting states, and the commission shall promulgate an operating procedure providing for resolution of such disputes.   [PL 2003, c. 680, §1 (NEW).]SECTION HISTORY PL 2003, c. 680, §1 (NEW).
24-A ME Rev Stat § 2481 (2021)
2021 Maine Revised Statutes|TITLE 24-A: MAINE INSURANCE CODE|Chapter 28: INTERSTATE INSURANCE PRODUCT REGULATION COMPACT|24-A §2481. Product filing and approval -- Article 10

 §2481. Product filing and approval -- Article 10 1.  Filing of product with commission.  Insurers and 3rd-party filers seeking to have a product approved by the commission shall file the product with, and pay applicable filing fees to, the commission. Nothing in this chapter may be construed to restrict or otherwise prevent an insurer from filing its product with the insurance department in any state where the insurer is licensed to conduct the business of insurance, and such filing is subject to the laws of the states where filed.   [PL 2003, c. 680, §1 (NEW).] 2.  Commission to establish filing and review processes.  The commission shall establish appropriate filing and review processes and procedures pursuant to commission rules and operating procedures. Notwithstanding any other provision of this chapter, the commission shall promulgate rules to establish conditions and procedures for providing public access to product filing information. In establishing such rules, the commission shall consider the interests of the public in having access to such information, as well as protection of personal medical and financial information and trade secrets that may be contained in a product filing or supporting information.   [PL 2003, c. 680, §1 (NEW).] 3.  Product approved by commission may be sold in certain compacting states.  Any product approved by the commission may be sold or otherwise issued in those compacting states in which the insurer is legally authorized to do business.   [PL 2003, c. 680, §1 (NEW).] SECTION HISTORY PL 2003, c. 680, §1 (NEW).
24-A ME Rev Stat § 2482 (2021)
2021 Maine Revised Statutes|TITLE 24-A: MAINE INSURANCE CODE|Chapter 28: INTERSTATE INSURANCE PRODUCT REGULATION COMPACT|24-A §2482. Review of commission decisions regarding filings -- Article 11

 §2482. Review of commission decisions regarding filings -- Article 11 1.  Appeal to review panel appointed by commission.  Not later than 30 days after the commission has given notice of a disapproved product or advertisement filed with the commission, the insurer or 3rd-party filer whose filing was disapproved may appeal the determination to a review panel appointed by the commission. The commission shall promulgate rules to establish procedures for appointing a review panel and provide for notice and hearing. An allegation that the commission, in disapproving a product or advertisement filed with the commission, acted arbitrarily, capriciously or in a manner that is an abuse of discretion or otherwise not in accordance with the law is subject to judicial review in accordance with section 2474, subsection 5.   [PL 2003, c. 680, §1 (NEW).] 2.  Commission may monitor, review and reconsider.  The commission has authority to monitor, review and reconsider products and advertisements subsequent to their filing or approval upon a finding that the product does not meet the relevant uniform standard. Where appropriate, the commission may withdraw or modify its approval after proper notice and hearing, subject to the appeal process in subsection 1.   [PL 2003, c. 680, §1 (NEW).] SECTION HISTORY PL 2003, c. 680, §1 (NEW).