reglab/housing_qa huggingface dataset:
24-A ME Rev Stat § 2854 (2021)
2021 Maine Revised Statutes|TITLE 24-A: MAINE INSURANCE CODE|Chapter 37: CONSUMER CREDIT INSURANCE|24-A §2854. Forms available

 §2854. Forms available Consumer credit insurance may be issued only in the following forms:   [PL 2001, c. 138, §8 (AMD).]1.  Individual life.  Individual policies of life insurance issued to debtors on the term plan;   [PL 1969, c. 132, §1 (NEW).] 2.  Individual accident and health.  Individual policies of health insurance issued to debtors on a term plan, or disability benefit provisions in individual policies of credit life insurance;   [PL 1969, c. 132, §1 (NEW).] 3.  Group life.  Group policies of life insurance issued to creditors providing insurance upon the lives of debtors on the term plan;   [PL 1969, c. 132, §1 (NEW).] 4.  Group accident and health.  Group policies of health insurance issued to creditors on a term plan insuring debtors, or disability benefit provisions in group credit life insurance policies to provide such coverage;   [PL 1969, c. 132, §1 (NEW).] 4-A.  Individual credit property insurance.  Individual policies of property insurance on property that is purchased on credit or pledged as collateral on a loan when the insurance is purchased by or issued to the debtor in connection with that loan or credit transaction;   [PL 2001, c. 138, §8 (NEW).] 4-B.  Group credit property insurance.  Group policies of property insurance on property that is purchased on credit or pledged as collateral on a loan when the insurance is purchased by or issued to the debtor in connection with that loan or credit transaction;   [PL 2001, c. 138, §8 (NEW).] 4-C.  Individual credit involuntary unemployment insurance.  Individual involuntary unemployment policies insuring a debtor pursuant to or in connection with a specific loan or other credit transaction but not including disability insurance policies;   [PL 2001, c. 138, §8 (NEW).] 4-D.  Group credit involuntary unemployment insurance.  Group involuntary unemployment policies insuring a debtor pursuant to or in connection with a specific loan or other credit transaction but not including disability insurance policies; or   [PL 2001, c. 138, §8 (NEW).] 5.  Combination.  A combination under subsections 1 and 2, or under 3 and 4.   [PL 1969, c. 132, §1 (NEW).] The superintendent may by rules adopted pursuant to section 2865 or chapter 40‑A designate other permissible types of consumer credit insurance.   [PL 2001, c. 138, §8 (NEW).]SECTION HISTORY PL 1969, c. 132, §1 (NEW). PL 2001, c. 138, §8 (AMD).
24-A ME Rev Stat § 2855 (2021)
2021 Maine Revised Statutes|TITLE 24-A: MAINE INSURANCE CODE|Chapter 37: CONSUMER CREDIT INSURANCE|24-A §2855. Amounts of insurance

 §2855. Amounts of insurance 1.  Credit life insurance.     A. The amount of credit life insurance shall at no time exceed the unpaid amount financed plus earned interest and an allowance for delinquencies as determined by the superintendent or, in the case of open-end credit, the balance upon which a finance charge may be imposed, plus earned interest and an allowance for delinquencies as determined by the superintendent.   [PL 1977, c. 672, §2 (RPR).][PL 1977, c. 672, §2 (RPR).] 2.  Agricultural credit commitments.  Notwithstanding subsection 1, paragraph A, insurance on agricultural credit transaction commitments not exceeding 2 years in duration may be written up to the amount of the loan commitment, on a nondecreasing or level term plan.   [PL 1969, c. 132, §1 (NEW).] 3.  Educational credit commitments.  Notwithstanding subsection 1, paragraph A, insurance on educational credit transaction commitments may be written for the amount of the portion of such commitment that has not been advanced by the creditor.   [PL 1969, c. 132, §1 (NEW).] 4.  Credit health insurance.     A. Coverage limited. The total amount of indemnity payable by credit health insurance in the event of disability, as defined in the policy, shall not exceed the aggregate of the periodic scheduled unpaid installments of the indebtedness; and the amount of each periodic indemnity payment shall not exceed the original indebtedness divided by the number of periodic installments.   [PL 1969, c. 132, §1 (NEW).][PL 1969, c. 132, §1 (NEW).] SECTION HISTORY PL 1969, c. 132, §1 (NEW). PL 1969, c. 177, §55 (AMD). PL 1977, c. 672, §2 (AMD).
24-A ME Rev Stat § 2856 (2021)
2021 Maine Revised Statutes|TITLE 24-A: MAINE INSURANCE CODE|Chapter 37: CONSUMER CREDIT INSURANCE|24-A §2856. Term of insurance

 §2856. Term of insurance 1.  The term of credit life insurance or credit health insurance shall, subject to acceptance by the insurer, commence on the date when the debtor becomes obligated to the creditor; except that where a group policy provides coverage with respect to existing obligations, the insurance on a debtor with respect to such indebtedness shall commence on the effective date of the policy.   [PL 1969, c. 132, §1 (NEW).] 2.  Where evidence of insurability is required and such evidence is furnished more than 30 days after the date when the debtor becomes obligated to the creditor, the term of the insurance may commence on the date on which the insurer determines the evidence to be satisfactory, and in such event there shall be an appropriate refund or adjustment of any charge to the debtor for insurance.   [PL 1969, c. 132, §1 (NEW).] 3.  The term of such insurance shall not extend more than 15 days beyond the original or revised scheduled maturity date of the indebtedness, except when extended without additional cost to the debtor.   [PL 1969, c. 132, §1 (NEW).] 4.  If the indebtedness is discharged due to renewal or refinancing prior to the scheduled maturity date, the insurance in force shall be terminated before any new insurance may be issued in connection with the renewed or refinanced indebtedness. In all cases of termination prior to scheduled maturity, a refund shall be paid or credited as provided in section 2859.   [PL 1969, c. 132, §1 (NEW).] 5.  For credit involuntary unemployment insurance, benefits must start after a waiting period of not longer than 30 days but need not be retroactive to the first day of unemployment and must have a maximum benefit period of at least 6 months.   [PL 2001, c. 138, §9 (NEW).] SECTION HISTORY PL 1969, c. 132, §1 (NEW). PL 2001, c. 138, §9 (AMD).
24-A ME Rev Stat § 2860 (2021)
2021 Maine Revised Statutes|TITLE 24-A: MAINE INSURANCE CODE|Chapter 37: CONSUMER CREDIT INSURANCE|24-A §2860. Authorized insurer, agent required

 §2860. Authorized insurer, agent required All policies of consumer credit insurance may be delivered or issued for delivery in this State only by an insurer authorized to transact such insurance therein, and may be issued only through holders of licenses or authorizations issued by the superintendent.   [PL 2001, c. 138, §13 (AMD).]SECTION HISTORY PL 1969, c. 132, §1 (NEW). PL 1973, c. 585, §12 (AMD). PL 2001, c. 138, §13 (AMD).
24-A ME Rev Stat § 2860-A (2021)
2021 Maine Revised Statutes|TITLE 24-A: MAINE INSURANCE CODE|Chapter 37: CONSUMER CREDIT INSURANCE|24-A §2860-A. Commissions

 §2860-A. Commissions A commission not exceeding 5% of credit life and health insurance premiums, as set forth by rules adopted by the superintendent, may be paid to any creditor who is a licensed credit insurance agent. This section does not prohibit fees paid to a lender for handling or processing credit life or health insurance not exceeding 10% of prima facie premiums as set forth by rules adopted by the superintendent.   [PL 1993, c. 645, Pt. B, §6 (AMD).]SECTION HISTORY PL 1993, c. 208, §3 (NEW). PL 1993, c. 645, §B6 (AMD).
24-A ME Rev Stat § 2861 (2021)
2021 Maine Revised Statutes|TITLE 24-A: MAINE INSURANCE CODE|Chapter 37: CONSUMER CREDIT INSURANCE|24-A §2861. Premium not deemed interest; amount, collection

 §2861. Premium not deemed interest; amount, collection 1.  Except as provided in Title 9‑A, section 4‑104, the premium of cost of such insurance when issued through any creditor shall not be deemed interest, or charges, or consideration, or an amount in excess of permitted charges in connection with the loan or other credit transaction, and any benefit or return or other gain or advantage to the creditor arising out of the sale or provision of such insurance shall not be deemed a violation of any other law, general or special, of the State of Maine.   [PL 1973, c. 762, §11 (AMD).] 2.  The amount charged to a debtor for any consumer credit insurance may not exceed the premiums charged by the insurer, as computed at the time the charge to the debtor is determined.   [PL 2001, c. 138, §14 (AMD).] 3.  The insurance premium or other identifiable charge for such insurance may be collected from the insured or included in the finance charge or principal of any loan or other credit transaction at the time such transaction is completed.   [PL 1969, c. 132, §1 (NEW).] SECTION HISTORY PL 1969, c. 132, §1 (NEW). PL 1973, c. 762, §11 (AMD). PL 2001, c. 138, §14 (AMD).
24-A ME Rev Stat § 2862 (2021)
2021 Maine Revised Statutes|TITLE 24-A: MAINE INSURANCE CODE|Chapter 37: CONSUMER CREDIT INSURANCE|24-A §2862. Claims

 §2862. Claims 1.  Claims reported.  All claims shall be promptly reported to the insurer or its designated claim representative, and the insurer shall maintain adequate claim files. All claims shall be settled as soon as possible and in accordance with the terms of the insurance contract.   [PL 1969, c. 132, §1 (NEW).] 2.  Claims paid.  All claims shall be paid either by draft drawn upon the insurer or by check of the insurer to the order of the claimant to whom payment of the claim is due pursuant to the policy provisions, or upon direction of such claimant to one specified.   [PL 1969, c. 132, §1 (NEW).] 3.  Creditor may not adjust claims.  No plan or arrangement shall be used whereby any person other than the insurer or its designated claim representative shall be authorized to settle or adjust claims. The creditor shall not be designated as claim representative for the insurer in adjusting claims; except that a group policyholder may, by arrangement with the group insurer, draw drafts or checks in payment of claims due to the group policyholder subject to audit and review by the insurer.   [PL 1969, c. 132, §1 (NEW).] SECTION HISTORY PL 1969, c. 132, §1 (NEW).
24-A ME Rev Stat § 2863 (2021)
2021 Maine Revised Statutes|TITLE 24-A: MAINE INSURANCE CODE|Chapter 37: CONSUMER CREDIT INSURANCE|24-A §2863. Existing insurance; choice of insurer

 §2863. Existing insurance; choice of insurer When credit life insurance or credit health insurance is required as additional security for any indebtedness, the debtor shall, upon request to the creditor, have the option of furnishing the required amount of insurance through existing policies of insurance owned or controlled by the debtor or of procuring and furnishing the required coverage through any insurer authorized to transact such insurance within this State.   [RR 2021, c. 1, Pt. B, §252 (COR).]SECTION HISTORY PL 1969, c. 132, §1 (NEW). RR 2021, c. 1, Pt. B, §252 (COR).
24-A ME Rev Stat § 2864 (2021)
2021 Maine Revised Statutes|TITLE 24-A: MAINE INSURANCE CODE|Chapter 37: CONSUMER CREDIT INSURANCE|24-A §2864. Enforcement

 §2864. Enforcement Whenever the superintendent finds that there has been a violation of this chapter or any regulations issued pursuant thereto, and after written notice thereof and hearing given to the insurer or other person authorized or licensed by the superintendent, such hearing to conform to the provisions of Title 5, chapter 375, subchapter 4, the superintendent shall set forth the details of the superintendent's findings together with an order for compliance by a specified date. Such order is binding on the insurer and other person authorized or licensed by the superintendent on the date specified unless sooner withdrawn by the superintendent.   [RR 2021, c. 1, Pt. B, §253 (COR).]SECTION HISTORY PL 1969, c. 132, §1 (NEW). PL 1973, c. 585, §12 (AMD). PL 1977, c. 694, §424 (AMD). RR 2021, c. 1, Pt. B, §253 (COR).
24-A ME Rev Stat § 2865 (2021)
2021 Maine Revised Statutes|TITLE 24-A: MAINE INSURANCE CODE|Chapter 37: CONSUMER CREDIT INSURANCE|24-A §2865. Rulemaking

 §2865. Rulemaking The superintendent may adopt rules establishing specific requirements and procedures for consumer credit insurance policies, certificates of coverage and rates, consistent with the purposes of this chapter. These rules may specify additional types of consumer credit insurance that may be issued on an individual basis or, pursuant to chapter 40-A, on a group basis. Rules adopted pursuant to this section are routine technical rules as defined by Title 5, chapter 375, subchapter II-A.   [PL 2001, c. 138, §15 (NEW).]SECTION HISTORY PL 2001, c. 138, §15 (NEW).
24-A ME Rev Stat § 2881 (2021)
2021 Maine Revised Statutes|TITLE 24-A: MAINE INSURANCE CODE|Chapter 38: GROUP LEGAL SERVICES INSURANCE|24-A §2881. Exemption from chapter

 §2881. Exemption from chapter Legal services insurance, as defined in this chapter, does not include the payment by a voluntary association, other than a voluntary association which is an insurer, on behalf of one of its members of fees, costs or expenses related to or arising out of legal services performed for the member by an attorney who either is an employee of the paying association or who provides the legal services to the association's member, pursuant to an agreement with that association.   [PL 1983, c. 801, §11 (NEW).]SECTION HISTORY PL 1983, c. 801, §11 (NEW).
24-A ME Rev Stat § 2882 (2021)
2021 Maine Revised Statutes|TITLE 24-A: MAINE INSURANCE CODE|Chapter 38: GROUP LEGAL SERVICES INSURANCE|24-A §2882. Insurers authorized to sell legal services insurance

 §2882. Insurers authorized to sell legal services insurance Upon application to an approval by the superintendent, an insurer incorporated by or under the laws of this State or any foreign or alien insurance company duly licensed to transact insurance in its state of domicile may make application for a certificate of authority to transact the business of legal services insurance, including reinsurance, in this State, if that company is authorized or qualified to be authorized to transact a health insurance business in this State.   [PL 1983, c. 801, §11 (NEW).]SECTION HISTORY PL 1983, c. 801, §11 (NEW).
24-A ME Rev Stat § 2883 (2021)
2021 Maine Revised Statutes|TITLE 24-A: MAINE INSURANCE CODE|Chapter 38: GROUP LEGAL SERVICES INSURANCE|24-A §2883. Legal services insurance defined

 §2883. Legal services insurance defined "Legal services insurance" is insurance which involves the assumption of a contractual obligation to reimburse the beneficiary against or pay on behalf of the beneficiary all or a portion of the beneficiary's fees, costs or expenses related to or arising out of services performed by or under the supervision of an attorney who is not an employee of or under the control of the insurer directly or indirectly and who is licensed to practice in the jurisdiction in which the services are performed. Legal services insurance may also include provisions for basic legal advice only rendered to the beneficiary, by telephone or mail, by one or more attorneys licensed to practice in the jurisdiction in which the advice is given; none of whom are employees of or under the control of the insurer, directly or indirectly. Legal services insurance does not include the provision of or reimbursement for legal services incidental to other insurance coverages.   [RR 2009, c. 2, §68 (COR).]SECTION HISTORY PL 1983, c. 801, §11 (NEW). RR 2009, c. 2, §68 (COR).
24-A ME Rev Stat § 2884 (2021)
2021 Maine Revised Statutes|TITLE 24-A: MAINE INSURANCE CODE|Chapter 38: GROUP LEGAL SERVICES INSURANCE|24-A §2884. Legal services insurance authorized to be sold on a group basis

 §2884. Legal services insurance authorized to be sold on a group basis An insurance company authorized to write legal services insurance in this State, which for the purposes of this chapter only is considered a form of health insurance, has the power to issue group legal services insurance policies or may, by providing for the mental and emotional welfare of individuals and members of an individual's family by defraying the costs of legal services, include legal services insurance in and as a part of a group health insurance policy. Group legal services insurance is that form of voluntary legal services insurance covering employees or members, with or without their eligible dependents, written under a master policy issued to any governmental corporation, unit, agency or department or to any employer, association of employers or employee leasing company registered pursuant to Title 32, chapter 125, including the trustee or trustees of a fund established by that employer, association of employers or registered employee leasing company, a labor union or other employee organization, including the trustees of a fund established by that labor union or employee organization. The terms "employee" and "employees" have the same meaning as are given to those terms for the purposes of writing group life insurance in this State. Legal services insurance may only be issued in this State on a group policy basis.   [PL 1995, c. 618, §4 (AMD).]SECTION HISTORY PL 1983, c. 801, §11 (NEW). PL 1995, c. 618, §4 (AMD).
24-A ME Rev Stat § 2885 (2021)
2021 Maine Revised Statutes|TITLE 24-A: MAINE INSURANCE CODE|Chapter 38: GROUP LEGAL SERVICES INSURANCE|24-A §2885. Filing of group manual rates for informational purposes

 §2885. Filing of group manual rates for informational purposes No policy of group legal services insurance may be delivered in this State until a copy of the group manual rates to be used in calculating the premium for these policies has been filed for informational purposes with the superintendent.   [PL 1983, c. 801, §11 (NEW).]SECTION HISTORY PL 1983, c. 801, §11 (NEW).
24-A ME Rev Stat § 2886 (2021)
2021 Maine Revised Statutes|TITLE 24-A: MAINE INSURANCE CODE|Chapter 38: GROUP LEGAL SERVICES INSURANCE|24-A §2886. Freedom of selection of attorney

 §2886. Freedom of selection of attorney Beneficiaries of legal services insurance shall not be required to select an attorney other than one of the beneficiary's own choosing to provide covered legal services, except for basic legal advice rendered by telephone or mail, as described in this chapter.   [PL 1983, c. 801, §11 (NEW).]SECTION HISTORY PL 1983, c. 801, §11 (NEW).
24-A ME Rev Stat § 2887 (2021)
2021 Maine Revised Statutes|TITLE 24-A: MAINE INSURANCE CODE|Chapter 38: GROUP LEGAL SERVICES INSURANCE|24-A §2887. Legal services insurance policy reserves

 §2887. Legal services insurance policy reserves For all legal services insurance policies, the insurer shall establish and maintain thereon a reserve which shall place a sound value on its liabilities under those policies and be not less than the reserve according to appropriate standards set forth in rules issued by the superintendent and, in no event, less in the aggregate than the pro rata gross unearned premiums for those policies.   [PL 1983, c. 801, §11 (NEW).]SECTION HISTORY PL 1983, c. 801, §11 (NEW).
24-A ME Rev Stat § 2888 (2021)
2021 Maine Revised Statutes|TITLE 24-A: MAINE INSURANCE CODE|Chapter 38: GROUP LEGAL SERVICES INSURANCE|24-A §2888. Authority of superintendent to adopt additional rules

 §2888. Authority of superintendent to adopt additional rules The superintendent may also issue rules regarding the content of legal services insurance policies and marketing arrangements, including delivery of legal services by licensed professionals.   [PL 1983, c. 801, §11 (NEW).]Nothing in this chapter may be construed to authorize the practice of law by any person in violation of Title 4, section 807, or to authorize the superintendent to infringe upon the authority of the Supreme Judicial Court to regulate the practice of law.   [PL 1983, c. 801, §11 (NEW).]SECTION HISTORY PL 1983, c. 801, §11 (NEW).
24-A ME Rev Stat § 2931 (2021)
2021 Maine Revised Statutes|TITLE 24-A: MAINE INSURANCE CODE|Chapter 40: MASS MARKETING OF CASUALTY AND PROPERTY INSURANCE|24-A §2931. Purpose

 §2931. Purpose The purpose of this chapter is to prevent abuses in connection with sale of casualty and property insurance in this State pursuant to mass marketing plans, while preserving for consumers the potential benefits of this form of marketing.   [PL 1973, c. 625, §146 (NEW).]SECTION HISTORY PL 1973, c. 625, §146 (NEW).
24-A ME Rev Stat § 2932 (2021)
2021 Maine Revised Statutes|TITLE 24-A: MAINE INSURANCE CODE|Chapter 40: MASS MARKETING OF CASUALTY AND PROPERTY INSURANCE|24-A §2932. Definitions

 §2932. Definitions As used in this chapter, unless the context otherwise indicates, the following words shall have the following meanings.   [PL 1973, c. 625, §146 (NEW).]1.  Casualty insurance.  "Casualty insurance" means all contracts of insurance covered by section 707.   [PL 1973, c. 625, §146 (NEW).] 2.  Mass marketing plan.  "Mass marketing plan" means a method of selling property and casualty insurance wherein such insurance is offered to employees of particular employers or to members of particular associations or organizations or to persons grouped in other ways and the employer, association or organization has agreed to or otherwise affiliated itself with, or facilitated, the sale of such insurance to its employees or members and employees and includes without limitation such plans whether described as "mass merchandising," "group merchandising," "franchise merchandising" or "collective merchandising."   [PL 1973, c. 625, §146 (NEW).] 3.  Property insurance.  "Property insurance" means all contracts of insurance covered by section 705.   [PL 1973, c. 625, §146 (NEW).] SECTION HISTORY PL 1973, c. 625, §146 (NEW).
24-A ME Rev Stat § 2933 (2021)
2021 Maine Revised Statutes|TITLE 24-A: MAINE INSURANCE CODE|Chapter 40: MASS MARKETING OF CASUALTY AND PROPERTY INSURANCE|24-A §2933. Premium rates

 §2933. Premium rates Premium rates under a mass marketing plan shall comply with all standards set forth in the Maine Insurance Code, including without limitation the requirement that rates shall not be excessive, inadequate or unfairly discriminatory. Rates shall not be deemed to be unfairly discriminatory because different premiums result for policyholders with like loss exposures but different expense factors, or like expense factors but different loss exposures, so long as the rates reflect the difference with reasonable accuracy. Rates shall not be deemed to be unfairly discriminatory if they are averaged broadly among persons insured under a mass marketing plan.   [PL 1973, c. 625, §146 (NEW).]SECTION HISTORY PL 1973, c. 625, §146 (NEW).
24-A ME Rev Stat § 2934 (2021)
2021 Maine Revised Statutes|TITLE 24-A: MAINE INSURANCE CODE|Chapter 40: MASS MARKETING OF CASUALTY AND PROPERTY INSURANCE|24-A §2934. Statistics

 §2934. Statistics An insurer selling insurance pursuant to mass marketing plans shall maintain separate statistics as to loss and expense experience pertinent thereto.   [PL 1973, c. 625, §146 (NEW).]SECTION HISTORY PL 1973, c. 625, §146 (NEW).
24-A ME Rev Stat § 2935 (2021)
2021 Maine Revised Statutes|TITLE 24-A: MAINE INSURANCE CODE|Chapter 40: MASS MARKETING OF CASUALTY AND PROPERTY INSURANCE|24-A §2935. Compulsory participation prohibited

 §2935. Compulsory participation prohibited An insurer may not sell insurance pursuant to a mass marketing plan, if it is a condition of employment or of membership in an association, organization or other group that any employee or member purchase insurance pursuant to such plan, or if any employee or member is subject to any penalty by reason of the employee's or member's nonparticipation.   [RR 2021, c. 1, Pt. B, §258 (COR).]SECTION HISTORY PL 1973, c. 625, §146 (NEW). RR 2021, c. 1, Pt. B, §258 (COR).