reglab/housing_qa huggingface dataset:
RI Gen L § 27-7.1-19 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-7.1 - Workers' Compensation Insurance|Section 27-7.1-19 - Midterm notice of cancellation.

§ 27-7.1-19. Midterm notice of cancellation.Notwithstanding any general or special law to the contrary, a midterm notice of cancellation of a workers' compensation policy shall be effective only if based on one or more of the following reasons: (1) nonpayment of premium; (2) fraud or material misrepresentation affecting the policy or insured; and/or (3) a substantial increase in the hazard insured against. Nothing in this section shall limit an insurer's right to refuse to renew a workers' compensation policy.History of Section.P.L. 1992, ch. 31, § 25.
RI Gen L § 27-7.1-20 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-7.1 - Workers' Compensation Insurance|Section 27-7.1-20 - Cost control - Insurers.

§ 27-7.1-20. Cost control — Insurers.The director is authorized, at his or her discretion, to conduct audits and investigations to examine the insurer's utilization of adequate programs to control costs or expenses or to collect the appropriate premium charges. On the basis of information submitted in any filing made pursuant to this chapter, or obtained from the department of labor and training and/or by independent investigation, the director shall make a finding whether or not the insurer or insurers employ cost control programs and techniques that meet the standards of the rating agency, or any other standards as may, after notice and a hearing, be approved by the director, which have had or are expected to have a substantial impact on fraudulent claim costs, unnecessary health care costs, and any other unreasonable costs and expenses, and on the collection of the appropriate premium charges owed to the insurer or insurers. If the director does not find adequate utilization of cost control, the director may impose an appropriate penalty not to exceed five percent (5%) of the insurer's annual premium.History of Section.P.L. 1992, ch. 31, § 25.
RI Gen L § 27-7.1-21 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-7.1 - Workers' Compensation Insurance|Section 27-7.1-21 - Cost control - Insured.

§ 27-7.1-21. Cost control — Insured.(a) The director shall establish loss control standards for insured that meet criteria designed to identify those insured that would significantly benefit from the adoption of a program to control workers' compensation costs. The criteria shall be established by the director and may include the number of persons employed by the insured, the amount of the insured's annual payroll, the amount of the insured's workers' compensation insurance premium, the experience modifier of the insured, the class code of the insured, the injury and illness lost workday rate of the insured, and any other relevant criteria as the director may determine. The loss control standards may require that an insured, in cooperation with its insurer, establish and maintain a safety committee, prepare and maintain a plan for medical evaluation and treatment, including immediate post-injury offsite care, establish and maintain a written plan for providing reasonable accommodation for injured workers to return to work, and implement other cost control measures acceptable to the director. The director shall have the authority to establish a rating plan to effectuate compliance with the loss control standards established pursuant to this subsection. In establishing any rating plan, the director may create financial incentives to employees of insured to encourage the employees to assist in controlling workers' compensation costs.(b) The director may promulgate rules and regulations as necessary to carry out the provisions of this section.History of Section.P.L. 1992, ch. 31, § 25.
RI Gen L § 27-7.1-22 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-7.1 - Workers' Compensation Insurance|Section 27-7.1-22 - Repealed.

§ 27-7.1-22. Repealed.
RI Gen L § 27-7.1-23 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-7.1 - Workers' Compensation Insurance|Section 27-7.1-23 - Repealed.

§ 27-7.1-23. Repealed.
RI Gen L § 27-7.1-24 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-7.1 - Workers' Compensation Insurance|Section 27-7.1-24 - Transition.

§ 27-7.1-24. Transition.Insurers and an advisory organization are not required to immediately refile rates previously approved. For five (5) years after July 7, 1998, any member or subscriber of an advisory organization is authorized to continue to use all rates and deviations filed or approved for its use until the insurer makes its own filing to change its rates, either by making an independent filing and adopting an advisory organization's approved prospective loss costs, or modifications of those loss costs. No advisory organization shall file, and the department of business regulation shall not accept a filing by an advisory organization, as to proposed changes in rates previously approved unless the filing shall include relevant data through July 7, 2003.History of Section.P.L. 1998, ch. 148, § 3; P.L. 2001, ch. 18, § 1; P.L. 2001, ch. 34, § 1.
RI Gen L § 27-7.1-25 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-7.1 - Workers' Compensation Insurance|Section 27-7.1-25 - Severability.

§ 27-7.1-25. Severability.If any provision of this chapter or the application of this chapter to any person or circumstances is held invalid, the invalidity shall not affect other provisions or applications of the chapter, which can be given effect without the invalid provision or application, and to this end the provisions of this chapter are declared to be severable.History of Section.P.L. 1998, ch. 148, § 3.
RI Gen L § 27-7.2-1 - 27-7.2-21 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-7.2 - Workers' Compensation Insurance Fund|Section 27-7.2-1 - 27-7.2-21 - Repealed.

§ 27-7.2-1 — 27-7.2-21. Repealed.
RI Gen L § 27-8-2 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-8 - Casualty Insurance Generally|Section 27-8-2 - Reinsurance by domestic companies.

§ 27-8-2. Reinsurance by domestic companies.Domestic fire and marine insurance companies may affect reinsurance of any risks taken by them.History of Section.G.L. 1923, ch. 255, § 37; P.L. 1934, ch. 2111, § 1; G.L. 1938, ch. 150, § 36; P.L. 1940, ch. 855, § 1; G.L. 1956, § 27-8-2.
RI Gen L § 27-8-3 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-8 - Casualty Insurance Generally|Section 27-8-3 - Reciprocal powers of foreign companies.

§ 27-8-3. Reciprocal powers of foreign companies.Any insurance company of another state or country authorized to transact the business of fire or marine insurance, or both, in this state may, if, by the provisions of its charter or act of incorporation or articles of association, it has the power, and if similar companies of this state may transact the classes of insurance enumerated in § 27-8-1 and this section in the state or country of that company's domicile, be authorized by the insurance commissioner to transact in this state the like classes of insurance.History of Section.G.L. 1938, ch. 150, § 36; P.L. 1940, ch. 855, § 1; impl. am. P.L. 1953, ch. 3174, § 5; G.L. 1956, § 27-8-3.
RI Gen L § 27-8-4 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-8 - Casualty Insurance Generally|Section 27-8-4 - Classification of risks by mutual companies.

§ 27-8-4. Classification of risks by mutual companies.Any mutual insurance company incorporated by this state and any mutual insurance company incorporated by any other state or country authorized to transact business in this state may classify the property and risks insured in it at the time of issuing policies on the property, and may issue policies upon that property and those risks under different rates of premium or premium deposit, corresponding as nearly as may be to the greater or lesser risk from the causes insured against and the loss which may attach to the several assumed risks, and the directors of any mutual insurance company may, by vote, fix and determine the percentage of dividend or unused or unabsorbed premium or premium deposit return to be paid or credited on expiring policies, which percentages may differ, following the different loss experience of different classes of risks of the same term. But all policies insuring risks in the same classification shall have an equal rate of dividend or return of unused or unabsorbed premium or premium deposit upon expiration, and in case of an assessment, the rate may be different for each different class of risks.History of Section.G.L. 1923, ch. 256, § 32; P.L. 1927, ch. 983, § 1; G.L. 1938, ch. 151, § 27; P.L. 1953, ch. 3174, § 4; G.L. 1956, § 27-8-4.
RI Gen L § 27-8-5 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-8 - Casualty Insurance Generally|Section 27-8-5 - Nonassessable insurance by mutual companies.

§ 27-8-5. Nonassessable insurance by mutual companies.A mutual company incorporated by this or any other state may also issue policies insuring property and risks in this state without the contingent mutual liability of the policyholders for assessment; provided, that it shall have at all times net assets over all liabilities of not less than one hundred thousand dollars ($100,000) and, if incorporated by this state, shall maintain a deposit with the general treasurer for the benefit and protection of all of its policyholders of at least one hundred thousand dollars ($100,000), or, if incorporated by any other state, it shall maintain that deposit in its home state, which deposit in each case shall be in cash or securities that are legal investments by that company in its home state.History of Section.G.L. 1938, ch. 151, § 27; P.L. 1953, ch. 3174, § 4; G.L. 1956, § 27-8-5.
RI Gen L § 27-8-6 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-8 - Casualty Insurance Generally|Section 27-8-6 - Notice to mutual policyholders of dividend or unused premium.

§ 27-8-6. Notice to mutual policyholders of dividend or unused premium.Every policyholder of a mutual fire insurance company incorporated by this state, and every policyholder of a mutual fire insurance company incorporated by any other state or country and authorized to transact business in this state, shall be notified at his or her last known address within six (6) months after the expiration of his or her policy of the amount of dividend or unused or unabsorbed premium or premium deposit return declared and payable on it, unless that dividend or unused or unabsorbed premium or premium deposit return has been paid in cash or credited to the policyholder or applied in payment of the premium or premium deposit on the renewal of his or her policy.History of Section.G.L. 1923, ch. 256, § 32; P.L. 1927, ch. 983, § 1; G.L. 1938, ch. 151, § 27; P.L. 1953, ch. 3174, § 4; G.L. 1956, § 27-8-6.
RI Gen L § 27-8-7 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-8 - Casualty Insurance Generally|Section 27-8-7 - Terms to be stated in policy - Rebates prohibited.

§ 27-8-7. Terms to be stated in policy — Rebates prohibited.No insurance corporation authorized to do any insurance business within this state, or any officer, insurance producer, or their representative, shall make any contract for insurance, on property or risks located within this state, or against any liability, casualty, accident, or hazard that may arise or occur in this state, or any agreement as to that contract, other than as plainly expressed in the policy issued or to be issued; nor shall any corporation, or officer, insurance producer, or their representative, directly or indirectly, in any manner, pay or allow or offer to pay or allow to the insured named in the policy or to any employee of the insured as an inducement to the insurance, or after the insurance has been effected, any rebate from the premium which is specified in the policy or any special favor or advantage in the dividends or other benefit to accrue on the policy; or any valuable consideration or inducement, not specified in the policy or contract of insurance, or give, sell, or purchase, as an inducement to the insurance, or in connection with it, any stock, bonds, or other securities of any insurance or other corporation or association, or any dividends or profits accrued on the stock, bonds, or securities, or anything of value, not specified in the policy; nor shall any insurance producer or representative, or any other person, directly or indirectly, either by sharing commissions or in any manner, pay or allow or offer to pay or allow to the insured named in the policy, or to any employee of the insured, as an inducement to the insurance, or after the insurance has been effected, any rebate from the premium which is specified in the policy. Nothing in this chapter shall prevent any corporation lawfully doing insurance business in this state from the distribution of surplus and dividends to policyholders, nor shall this chapter prevent any corporation, or its agent, from paying commissions to a licensed insurance producer who has negotiated for the insurance, nor shall it prevent any licensed insurance producer from sharing or dividing a commission earned or received by the insurance producer with any other licensed insurance producer, who has aided the insurance producer in respect to the insurance for the negotiation of which the commission has been earned or paid.History of Section.P.L. 1927, ch. 1051, § 1; G.L. 1938, ch. 157, § 1; G.L. 1956, § 27-8-7.
RI Gen L § 27-8-8 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-8 - Casualty Insurance Generally|Section 27-8-8 - Privilege against self-incrimination.

§ 27-8-8. Privilege against self-incrimination.No person shall be excused from attending and testifying or producing any books, papers, or other documents before any court upon any investigation, proceeding, or trial for a violation of any of the provisions of § 27-8-7, upon the ground or for the reason that the testimony or evidence, documentary or otherwise, required of that person may tend to convict him or her of a crime or subject him or her to a penalty of forfeiture; but no person shall be prosecuted or subjected to any penalty or forfeiture for or on account of any transaction, matter, or thing concerning which that person may testify or produce evidence, documentary or otherwise, and no given or produced testimony shall be received against that person upon any criminal investigation or proceeding.History of Section.P.L. 1927, ch. 1051, § 2; G.L. 1938, ch. 157, § 2; G.L. 1956, § 27-8-8.
RI Gen L § 27-8-9 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-8 - Casualty Insurance Generally|Section 27-8-9 - Penalty for violations.

§ 27-8-9. Penalty for violations.Any person or corporation violating any provision of §§ 27-8-7 and 27-8-8 shall, upon conviction, be punished by a fine not exceeding five hundred dollars ($500) or by imprisonment not exceeding one year, or both.History of Section.P.L. 1927, ch. 1051, § 4; G.L. 1938, ch. 157, § 4; G.L. 1956, § 27-8-9.
RI Gen L § 27-8-10 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-8 - Casualty Insurance Generally|Section 27-8-10 - Life insurance and preexisting contracts.

§ 27-8-10. Life insurance and preexisting contracts.shall not apply to any contract of life insurance nor shall it affect any contract existing on April 22, 1927.History of Section.P.L. 1927, ch. 1051, § 3; G.L. 1938, ch. 157, § 3; G.L. 1956, § 27-8-10.
RI Gen L § 27-8-12 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-8 - Casualty Insurance Generally|Section 27-8-12 - Subrogation - Payment to insured of deductible.

§ 27-8-12. Subrogation — Payment to insured of deductible.Whenever, through subrogation, an insurance company or its agent collects a casualty loss from a third party, that company or agent shall, from the funds collected, first pay to the insured the deductible portion of the casualty loss less the prorated share of subrogation expenses and only after this retain any funds in excess of the deductible portion of the recovery.History of Section.P.L. 1981, ch. 251, § 1.
RI Gen L § 27-8-13 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-8 - Casualty Insurance Generally|Section 27-8-13 - Repealed.

§ 27-8-13. Repealed.
RI Gen L § 27-8-14 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-8 - Casualty Insurance Generally|Section 27-8-14 - Lost and salvage vehicle reporting.

§ 27-8-14. Lost and salvage vehicle reporting.All casualty insurers licensed to do business in Rhode Island shall report all vehicle thefts within thirty (30) days of the theft and all salvage declarations to the National Insurance Crime Bureau (NICB), or a similar organization acceptable to the department, that maintains a central database of automobile theft and salvage.History of Section.P.L. 1983, ch. 221, § 11; P.L. 1992, ch. 258, § 1; P.L. 2001, ch. 122, § 6.
RI Gen L § 27-8-15 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-8 - Casualty Insurance Generally|Section 27-8-15 - Insurance inspections.

§ 27-8-15. Insurance inspections.The furnishing of, or failure to furnish, insurance inspections or advisory services in connection with or incidental to the issuance or renewal of a policy of property, casualty or boiler and machinery insurance shall not subject the insurer, whether domestic or foreign, its agents, employees, or service contractors, to liability for damages from injury, death, or loss occurring as a result of any act or omission in the course of those services. This section shall not apply in the event the active negligence of the insurer, its agent, employee, or service contractor, created the condition that was the proximate cause of injury, death or loss.History of Section.P.L. 1988, ch. 68, § 1; P.L. 1988, ch. 300, § 1; P.L. 1996, ch. 391, § 1.
RI Gen L § 27-8-16 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-8 - Casualty Insurance Generally|Section 27-8-16 - Repealed.

§ 27-8-16. Repealed.
RI Gen L § 27-8-17 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-8 - Casualty Insurance Generally|Section 27-8-17 - Payment on claim for fire coverage of motor vehicle - Statement required.

§ 27-8-17. Payment on claim for fire coverage of motor vehicle — Statement required.No payment shall be made by the insurer of loss or damage to an insured vehicle on a claim for fire coverage as provided in § 27-8-1(6), until the insured has filed a statement in conformity with the provisions of § 27-8.1-2.1, and the insurer has, within a reasonable time, reviewed the statement and determined that no fraud was involved. If the insurer denies the fire coverage claim, then the insurer shall provide appropriate notice within a reasonable period of time of the denial of coverage to all lien holders, if any, of the insured motor vehicle.History of Section.P.L. 1993, ch. 332, § 1.
RI Gen L § 27-8-18 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-8 - Casualty Insurance Generally|Section 27-8-18 - Debtor's right to deductible election.

§ 27-8-18. Debtor's right to deductible election.Any debtor receiving financing for the purchase of a motor vehicle from any institution or person or other entity shall have an absolute election to choose a deductible of up to five hundred ($500) dollars for collision or limited collision coverage, and any and all contrary provisions in an insurance policy or financing agreement shall be null and void.History of Section.P.L. 1994, ch. 189, § 1.
RI Gen L § 27-8.1-1 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-8.1 - Information Reporting and Immunity Relating to Fire Losses|Section 27-8.1-1 - Short title.

§ 27-8.1-1. Short title.This chapter shall be known as the "Arson Information Reporting — Immunity Act".History of Section.P.L. 1978, ch. 328, § 1.
RI Gen L § 27-8.1-2 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-8.1 - Information Reporting and Immunity Relating to Fire Losses|Section 27-8.1-2 - Definitions.

§ 27-8.1-2. Definitions.(a) "Action" includes nonaction, inaction, or failure to take action.(b) "Authorized agency" means:(1) The state fire marshal, deputy fire marshal, or assistant deputy fire marshals;(2) The superintendent of state police, or principal investigating officer of the state police;(3) The attorney general or assistant attorneys general;(4) The chief, deputy chief, or principal investigating officer of the police department of the city or town where a fire occurs;(5) The chief, deputy chief, or principal investigating officer of the fire department of the city or town or fire district where a fire occurs;(6) The federal bureau of investigation or any comparable federal investigatory agency; or(7) The United States attorney or assistant district attorneys for the district where a fire occurs.(c) "Deemed crucial" means determined by an authorized agency acting within its sole discretion to be decisive or critical to an investigation and/or prosecution by that agency.(d) "Immune" means that neither a civil action nor a criminal prosecution may be maintained or instituted by virtue of any action taken pursuant to § 27-8.1-3, 27-8.1-4, or 27-8.1-5, or any other provision of this chapter, in the absence of actual malice on the part of the insurer, lending institution, party in interest, or authorized agency, against the insured.(e) "Insurer" means any insurance company incorporated by or under the laws of this state, and any foreign insurance company admitted to do business in this state, which issues fire insurance coverage on real or personal property risks located within the state.(f) "Lending institution" means any corporation incorporated by or under the law of this state and any foreign corporation admitted to do business in this state which makes any loan which is secured in whole or in part by a mortgage upon any interest in real property located in this state.(g) "Party in interest" means any person, firm, association, corporation, or other association of persons engaged:(1) In any phase of the business of fire coverage which is subject to the regulatory authority of the department of business regulation or the appropriate regulatory division of the department; or(2) In any phase of the business of making loans in association with, on behalf of, or in conjunction with a lending institution.(h) "Relevant" means having a propensity or tendency to make the existence of any fact, which is of consequence to the investigation or determination of an issue, more probable or less probable than in the absence of that information.History of Section.P.L. 1978, ch. 328, § 1; P.L. 1979, ch. 392, § 1; P.L. 1988, ch. 309, § 2; P.L. 1989, ch. 542, § 77.
RI Gen L § 27-8.1-2.1 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-8.1 - Information Reporting and Immunity Relating to Fire Losses|Section 27-8.1-2.1 - Statement to fire department concerning burned motor vehicle.

§ 27-8.1-2.1. Statement to fire department concerning burned motor vehicle.(a) Whenever a motor vehicle as defined in § 31-1-3(s) is burned, the owner of record of the vehicle shall submit to the fire department for the city or town in which the vehicle is located a statement signed under the penalties of perjury containing any information concerning the burning of the vehicle that the state fire marshal or his or her designee shall require.(b) The state fire marshal or his or her designee is empowered and directed to develop and adopt an appropriate form upon which to enter the owner's statement, which form shall contain the requisite information as provided in § 27-8.1-3.History of Section.P.L. 1993, ch. 332, § 2; P.L. 2004, ch. 6, § 12; P.L. 2005, ch. 410, § 12.