reglab/housing_qa huggingface dataset:
MS Code § 83-3-21 (2020)
2020 Mississippi Code|Title 83 - Insurance|Chapter 3 - Commissioner of Insurance, Rating Bureau and Rates|Article 1 - Commissioner of Insurance and Rating Bureau|§ 83-3-21. Examination of Rating Bureau; reports

 The Commissioner of Insurance shall have the power to examine the Rating Bureau as often as he deems expedient, at the expense of the bureau. The commissioner shall report his findings in writing, which shall be filed in his office and made a part of the annual report of his office; and a copy thereof shall be filed with the Attorney General for the information of the legal department of the state.
MS Code § 83-3-23 (2020)
2020 Mississippi Code|Title 83 - Insurance|Chapter 3 - Commissioner of Insurance, Rating Bureau and Rates|Article 1 - Commissioner of Insurance and Rating Bureau|§ 83-3-23. Bureau not to discriminate in rates

 The Rating Bureau shall not recommend any rate for insurance upon property in this state which discriminates unfairly in the same territorial classification between risks in the application of like charges and credits, or which discriminates unfairly between risks of essentially the same hazard and having substantially the same degree of protection against fire.
MS Code § 83-3-24 (2020)
2020 Mississippi Code|Title 83 - Insurance|Chapter 3 - Commissioner of Insurance, Rating Bureau and Rates|Article 1 - Commissioner of Insurance and Rating Bureau|§ 83-3-24. Factors to be considered when rating fire district, grading fire departments and awarding credits considered in determining overall fire rating based on condition of certain fire equipment

  When rating a municipality or fire district, including evaluations of rural or volunteer fire departments, the Rating Bureau shall consider the mileage, condition and maintenance of the fire trucks rather than the age of the fire trucks. For the purpose of grading municipalities or fire districts, including rural and volunteer fire departments, and awarding credits that are considered in determining an overall fire rating based upon the condition of their fire trucks, the Rating Bureau shall publish guidelines for use in the grading of fire trucks not later than January 30 of the calendar year during which the Rating Bureau will apply the guidelines. These guidelines shall be published and made available to each municipality and fire district, including rural and volunteer fire departments, on the Rating Bureau's website not later than January 30 of the calendar year during which the Rating Bureau will apply the guidelines. If a fire truck in a municipality or fire district, including rural and volunteer fire departments, satisfies the guidelines, then the Rating Bureau shall not recommend the replacement of the fire truck before the next grading process.   For the purpose of grading fire departments, the alternative water supply standard shall be two hundred fifty (250) gallons per minute for a sustained period of one (1) hour.
MS Code § 83-3-121 (2020)
2020 Mississippi Code|Title 83 - Insurance|Chapter 3 - Commissioner of Insurance, Rating Bureau and Rates|Article 3 - Casualty Insurance Rates|§ 83-3-121. Rebates prohibited

 No insurance company, 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 applicable filing approved in the manner herein provided. No such insurer or employee or agent thereof 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 affected, 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. 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 special favor or advantage or valuable consideration or inducement. Nothing herein contained shall be construed as prohibiting the payment of commissions or other compensation to duly licensed agents, nor as prohibiting any participating insurer from distributing to its policyholders dividends, savings, or the unused or unabsorbed portion of premiums or premium deposits nor as prohibiting any duly licensed agent from advancing an insurance premium for the insured with or without interest thereon subject to the rules and regulations of the Mississippi Department of Insurance.
MS Code § 83-5-1 (2020)
2020 Mississippi Code|Title 83 - Insurance|Chapter 5 - General Provisions Relative to Insurance and Insurance Companies|Article 1 - General Provisions|§ 83-5-1. Concerns subject to department

 All indemnity or guaranty companies, all companies, including those companies defined in Section 83-41-303(n), corporations, partnerships, associations, individuals and fraternal orders, whether domestic or foreign, transacting, or to be admitted to transact, the business of insurance in this state are insurance companies within the meaning of this chapter, and shall be subject to the inspection and supervision of the commissioner.
MS Code § 83-5-3 (2020)
2020 Mississippi Code|Title 83 - Insurance|Chapter 5 - General Provisions Relative to Insurance and Insurance Companies|Article 1 - General Provisions|§ 83-5-3. All companies to submit to all laws of state

 Every insurance company, foreign or domestic, that qualifies to do business in the State of Mississippi shall be required to execute an agreement to be bound by the statute laws of the State of Mississippi pertaining to the periods of limitation prescribed by the statute law of this state.   The insurance commissioner is hereby required, as a condition precedent to authorizing any insurance company to qualify and operate under the laws of this state or to do business in this state, to require said companies to execute an agreement binding said company to conform to and to be bound and regulated by the statute laws of this jurisdiction as defined in the first paragraph.   For purposes of the administration of this section, insurance companies shall consist of all types of insurance companies, both domestic and foreign, that operate in this jurisdiction, including stock companies, mutuals, and fraternal societies and organizations when such fraternal society or organization engages in the insuring of its members or other persons.
MS Code § 83-5-5 (2020)
2020 Mississippi Code|Title 83 - Insurance|Chapter 5 - General Provisions Relative to Insurance and Insurance Companies|Article 1 - General Provisions|§ 83-5-5. Terms defined

 When consistent with the context and not obviously used in a different sense, the term "company" or "insurance company", as used in this chapter, includes all corporations, associations, partnerships, or individuals engaged as principals in the business of insurance or guaranteeing the obligations of others.   The word "domestic" designates those companies or other insurers incorporated or formed in this state; and the word "foreign", when used without limitation, includes all those formed by authority of any other state or government, and whose home office is not located in this state.   A contract of insurance is an agreement by which one party for a consideration promises to pay money or its equivalent, or to do some act of value to the assured, upon the destruction, loss, or injury of something in which the assured or other party has an interest, as an indemnity therefor.
MS Code § 83-5-7 (2020)
2020 Mississippi Code|Title 83 - Insurance|Chapter 5 - General Provisions Relative to Insurance and Insurance Companies|Article 1 - General Provisions|§ 83-5-7. Situs of contract

 It shall be unlawful for any company to make any contract of insurance upon or concerning any property or interest or lives in this state, or with any resident thereof, or for any person as insurance agent or insurance broker to make, negotiate, solicit, or in any manner aid in the transaction of such insurance unless and except as authorized under the provisions of this chapter. All contracts of insurance on property, lives, or interests in this state shall be deemed to be made therein.
MS Code § 83-5-9 (2020)
2020 Mississippi Code|Title 83 - Insurance|Chapter 5 - General Provisions Relative to Insurance and Insurance Companies|Article 1 - General Provisions|§ 83-5-9. Business to be conducted in corporate name

 Every insurance company, foreign or domestic, shall conduct its business in this state in its own proper and corporate name; and the policies and contracts of insurance issued by it shall be headed or entitled only by its proper and corporate name. When any such company publishes its assets, it shall, in the same connection and with equal conspicuousness, publish its liabilities, computed on the basis allowed for its annual statements; and any publication purporting to show its capital shall exhibit only the amount of such capital as has actually been paid in cash. Any company or any agent thereof issuing or circulating advertisements in violation of this section shall be punished by a fine of not less than Fifty Dollars ($50.00) nor more than Two Hundred Dollars ($200.00).
MS Code § 83-5-11 (2020)
2020 Mississippi Code|Title 83 - Insurance|Chapter 5 - General Provisions Relative to Insurance and Insurance Companies|Article 1 - General Provisions|§ 83-5-11. Legal process

 When legal process is served upon the commissioner as attorney for an insurance company, he shall forthwith notify the company of such service by letter prepaid and directed to its secretary or, in the case of a foreign country, to its resident manager, if any, in the United States, and shall, within two (2) days after such service, forward in the same manner a copy of the process served on him to the secretary or manager or to such person as may have been previously designated by the company by written notice filed in the office of the commissioner. The failure of the commissioner to notify the company shall not affect the validity of such service but shall subject him to liability on his bond for such damages as the company shall suffer thereby. As a condition of a valid and effectual service and of the duty of the commissioner in the premises, the plaintiff in such process shall pay to the commissioner at the time of service thereof the sum of Twenty-five Dollars ($25.00), which the plaintiff shall recover as taxable costs if he prevails in his suit. The commissioner shall keep a record of all such proceedings, that shall show the day and hour of service.
MS Code § 83-5-13 (2020)
2020 Mississippi Code|Title 83 - Insurance|Chapter 5 - General Provisions Relative to Insurance and Insurance Companies|Article 1 - General Provisions|§ 83-5-13. Laws applicable

 The general provisions of law relative to the powers, duties, and liabilities of corporations shall apply to all incorporated domestic insurance companies, so far as such provisions are pertinent and not in conflict with other provisions of law relative to such companies, or with their charters. All insurance companies in this state shall be governed by this chapter, anything in their special charters to the contrary notwithstanding.
MS Code § 83-5-15 (2020)
2020 Mississippi Code|Title 83 - Insurance|Chapter 5 - General Provisions Relative to Insurance and Insurance Companies|Article 1 - General Provisions|§ 83-5-15. License fees for each class of business

 No insurance company admitted to do business in the state shall be authorized to transact more than one (1) class or kind of insurance, unless it shall pay the license fees for each class and have the requisite capital for each business engaged in. A life insurance company may do an accident business and a fire insurance company may transact insurance as prescribed in Section 83-19-1, subsections (a), (b), and (g), with the payment of the largest license fees provided for any one (1) business done. No insurance company or other insurer shall be required to pay license fees amounting in the aggregate to more than Three Hundred and Fifty Dollars per annum.
MS Code § 83-5-17 (2020)
2020 Mississippi Code|Title 83 - Insurance|Chapter 5 - General Provisions Relative to Insurance and Insurance Companies|Article 1 - General Provisions|§ 83-5-17. Revocation of license; administrative fine; funding of agency expenses; deposit of monies into State General Fund

 The Commissioner of Insurance may, after notice and a hearing, revoke the authority of a domestic or foreign insurance company or impose an administrative fine, or both, if it violates or neglects to comply with any provision of law obligatory on it, and whenever in the opinion of the commissioner its condition is unsound, or its assets above its liabilities, exclusive of capital and inclusive of unearned premiums, are less than the amount of its original capital or required unimpaired funds. Such administrative fine shall not exceed Five Thousand Dollars ($5,000.00) per violation and shall be deposited into the special fund in the State Treasury designated as the "Insurance Department Fund."   From and after July 1, 2016, the expenses of this agency shall be defrayed by appropriation from the State General Fund and all user charges and fees authorized under this section shall be deposited into the State General Fund as authorized by law.   From and after July 1, 2016, no state agency shall charge another state agency a fee, assessment, rent or other charge for services or resources received by authority of this section.
MS Code § 83-5-21 (2020)
2020 Mississippi Code|Title 83 - Insurance|Chapter 5 - General Provisions Relative to Insurance and Insurance Companies|Article 1 - General Provisions|§ 83-5-21. License revoked if judgments not paid

 If a judgment shall be rendered by any court in this state against any insurance company, and such judgment shall not be paid and satisfied within ninety (90) days after the same shall have become final, it shall be the imperative duty of the commissioner, immediately upon being advised that such judgment has not been paid or satisfied within the time named, to revoke any and every authority, license, or certificate granted to such insurance company, or any agent thereof, to transact any business in this state until again duly licensed. In case of such revocation, no renewal license or certificate of authority to transact business in this state shall be granted to such insurance company for three (3) years after such revocation, and not then unless such judgment has been satisfied. Whenever such license shall be revoked, the commissioner shall give notice of such revocation by mail to every agent of such insurance company who shall have obtained any certificate of authority to transact business for such insurance company in this state.
MS Code § 83-5-23 (2020)
2020 Mississippi Code|Title 83 - Insurance|Chapter 5 - General Provisions Relative to Insurance and Insurance Companies|Article 1 - General Provisions|§ 83-5-23. Reserves required

 Every company transacting a fire, marine, inland, accident or casualty, surety or fidelity, or other insurance business, except life, in this state shall be required to set aside as a legal reserve to protect the holders of its policy contracts in this state the pro rata unearned portion of the premium paid for such contract, to be held until termination of such contracts, and a reserve for unpaid losses and loss adjustment expenses for incurred claims both reported and unreported. Life insurance companies shall set aside as a reserve sufficient of the premium paid each year which, if invested at four percent (4%) interest, will pay the amount of insurance contracted for at maturity of the contract.
MS Code § 83-5-25 (2020)
2020 Mississippi Code|Title 83 - Insurance|Chapter 5 - General Provisions Relative to Insurance and Insurance Companies|Article 1 - General Provisions|§ 83-5-25. Certain insurance prohibited

 No life insurance company, mutual aid association, fraternal benefit society, order, or association, or stipulated premium companies operating in this state shall hereafter be permitted to issue policies, certificates, or contracts to policyholders or members providing for the establishment of its policyholders or members into divisions and classes for the purpose of providing for the payment of benefits from special funds created for such purpose to the oldest member of the division and class, or to the member of the division and class whose policy has been in force the longest period of time, upon the death of a member in such division and class, except as hereinafter provided.   Any life insurance company, mutual aid association, fraternal benefit society, order, or association, or stipulated premium companies heretofore operating on this plan in this state may continue so to do upon condition that such life insurance company, fraternal benefit society, mutual aid association, or stipulated premium companies shall not hereafter establish its policyholders or members into divisions or classes other than the divisions or classes actually containing subsisting policies or certificates on May 25, 1936.   Any life insurance company, mutual aid association, fraternal benefit society, order, or association, or stipulated premium companies violating any of the provisions of this section shall be subject to the revocation of its license to transact business in this state.
MS Code § 83-5-27 (2020)
2020 Mississippi Code|Title 83 - Insurance|Chapter 5 - General Provisions Relative to Insurance and Insurance Companies|Article 1 - General Provisions|§ 83-5-27. Discrimination through fictitious grouping prohibited

 No stock, mutual, reciprocal, or other insurer shall make available to any resident or group of residents of this state, through any rating plan or form, fire, inland marine, casualty or surety insurance, or type or combination thereof, whether by master policy, series of policies, certificates of insurance, or otherwise, to any person, firm, corporation, or association of individuals, any preferred rate or premium based upon any fictitious grouping of such person, firm, corporation, or association of individuals, which fictitious grouping is hereby defined and declared to be any grouping by way of membership, license, franchise, agreement, or any other method or means; provided, however, that the foregoing shall not apply to life, accident, health, and hospitalization insurance.
MS Code § 83-5-29 (2020)
2020 Mississippi Code|Title 83 - Insurance|Chapter 5 - General Provisions Relative to Insurance and Insurance Companies|Article 1 - General Provisions|§ 83-5-29. Insurance business practices regulated

 The purpose of Sections 83-5-29 through 83-5-51 is to regulate trade practices in the business of insurance in accordance with the intent of Congress as expressed in the Act of Congress of March 9, 1945 (Public Law 15, 79th Congress), by defining, or providing for the determination of, all such practices in this state which constitute unfair methods of competition or deceptive practices, and by prohibiting the trade practices so defined or determined.
MS Code § 83-5-30 (2020)
2020 Mississippi Code|Title 83 - Insurance|Chapter 5 - General Provisions Relative to Insurance and Insurance Companies|Article 1 - General Provisions|§ 83-5-30. Notice of withdrawal, cancelation, or failure to renew insurance; penalties

 Any insurer selling property and casualty insurance shall not withdraw, cancel or fail to renew any line of insurance or class of business without giving notice in writing sixty (60) days in advance to the Commissioner of Insurance. Any failure to give notice may result in a fine of up to Two Thousand Five Hundred Dollars ($2,500.00) in the discretion of the Commissioner of Insurance.
MS Code § 83-5-31 (2020)
2020 Mississippi Code|Title 83 - Insurance|Chapter 5 - General Provisions Relative to Insurance and Insurance Companies|Article 1 - General Provisions|§ 83-5-31. Definitions

 When used in Sections 83-5-29 through 83-5-51:   "Person" shall mean any individual, corporation, association, partnership, reciprocal exchange, mutual, interinsurer, Lloyds insurer, fraternal benefit society, and any other legal entity engaged in the business of insurance, including agents, solicitors, brokers, and adjusters.   "Commissioner" shall mean the commissioner of insurance of this state.
MS Code § 83-5-33 (2020)
2020 Mississippi Code|Title 83 - Insurance|Chapter 5 - General Provisions Relative to Insurance and Insurance Companies|Article 1 - General Provisions|§ 83-5-33. Unfair methods of competition and deceptive practices prohibited

 No person shall engage in this state in any trade practice which is defined in Sections 83-5-29 through 83-5-51 as, or determined pursuant to said sections to be, an unfair method of competition or an unfair or deceptive act or practice in the business of insurance.
MS Code § 83-5-37 (2020)
2020 Mississippi Code|Title 83 - Insurance|Chapter 5 - General Provisions Relative to Insurance and Insurance Companies|Article 1 - General Provisions|§ 83-5-37. Power of commissioner

 The commissioner shall have power to examine and investigate into the affairs of every person engaged in the business of insurance in this state in order to determine whether such person has been or is engaged in any unfair method of competition or in any unfair or deceptive act or practice prohibited by Section 83-5-33.
MS Code § 83-5-41 (2020)
2020 Mississippi Code|Title 83 - Insurance|Chapter 5 - General Provisions Relative to Insurance and Insurance Companies|Article 1 - General Provisions|§ 83-5-41. Cease and desist orders and modifications thereof; administrative fines; funding of agency expenses; deposit of monies into State General Fund

  If, after such hearing, the commissioner shall determine that the method of competition or the act or practice in question is defined in Section 83-5-35, and that the person complained of has engaged in such method of competition, act or practice in violation of Sections 83-5-29 through 83-5-51, he shall reduce his findings to writing and shall issue and cause to be served upon the person charged with the violation an order requiring such person to cease and desist from engaging in such method of competition, act or practice. In addition to, or in lieu of, the cease and desist order, the commissioner may, after such hearing, impose an administrative fine not to exceed Five Thousand Dollars ($5,000.00) per violation, which shall be deposited into the special fund in the State Treasury designated as the "Insurance Department Fund."   Until the expiration of the time allowed under Section 83-5-43(1) for filing a petition for review (by appeal), if no such petition has been duly filed within such time or, if the petition for review has been filed within such time, then until the transcript of the record in the proceeding has been filed in the circuit court, as hereinafter provided, the commissioner may at any time, upon such notice and in such manner as he shall deem proper, modify or set aside in whole or in part any order issued by him under this section.   After the expiration of the time allowed for filing such a petition for review, if no such petition has been duly filed within such time, the commissioner may, at any time after notice and opportunity for hearing, reopen and alter, modify, or set aside, in whole or in part, any order issued by him under this section whenever in his opinion conditions of fact or of law have so changed as to require such action, or if the public interest shall so require.   From and after July 1, 2016, the expenses of this agency shall be defrayed by appropriation from the State General Fund and all user charges and fees authorized under this section shall be deposited into the State General Fund as authorized by law.   From and after July 1, 2016, no state agency shall charge another state agency a fee, assessment, rent or other charge for services or resources received by authority of this section.