reglab/housing_qa huggingface dataset:
NY Ins L § 5303 (2021)
2021 New York Laws ISC - Insurance Article 53 - Motor Vehicle Insurance Assigned Risk Plans 5303 - Coverage.

§  5303. Coverage. (a) Any such plan shall provide for availability to applicants of motor vehicle insurance coverages for:  (1) legal liability, up to fifty thousand dollars  because  of  bodily injury  to  or  death  of one person in any one accident and, subject to such limit for one person, up to one hundred thousand dollars because of bodily injury to or death of two or more persons in  any  one  accident, and  up  to  ten thousand dollars because of injury to or destruction of property of others in any one accident; and  (2) loss or damage to an automobile insured under a policy, up to  ten thousand  dollars actual cash value, subject to a deductible of not less than one hundred dollars; provided, however, that  the  physical  damage insurance  for a private passenger automobile shall be subject to all of the provisions of sections  two  thousand  three  hundred  thirty-seven, three  thousand  four  hundred  eleven  and  three thousand four hundred thirty-two of this chapter; and  (3) medical payments with respect to private passenger motor  vehicles not  for  hire,  irrespective  of  the  legal  liability of the insured, because of bodily injury to or death of any person  insured  thereunder, up to one thousand dollars; and  (4)   supplementary  uninsured  motorists  insurance,  as  defined  in subsection (f) of section three thousand four  hundred  twenty  of  this chapter.  (b)  Any  such  plan  shall  provide for availability to applicants of twice the dollar level of first party  benefits  prescribed  in  section five  thousand one hundred three of this chapter; and commensurate first party benefits for personal injury arising out of the use  or  operation of a motor vehicle in any other state or Canadian province.  (c)  Such  plan  shall  provide  for  the method of classifying risks, establishing territories  and  making  rates  applicable  thereto.  Such rates,  except with respect to rates for the minimum limits of insurance required by article six or seven of the vehicle and traffic  law,  shall be  based upon loss and expense experience of the risks insured pursuant to the plan.
NY Ins L § 5304 (2021)
2021 New York Laws ISC - Insurance Article 53 - Motor Vehicle Insurance Assigned Risk Plans 5304 - Appeals; Process of Claims.

§  5304.  Appeals;  process of claims. (a) Any applicant for insurance through a plan governed by this article, any person insured  under  such plan  and any insurer affected may appeal to the superintendent from any ruling or decision of the manager or committee.  (b) All participating insurers shall maintain an office in this  state or establish a communications system by direct toll free telephone line, or otherwise, to conveniently process claims of the insureds.
NY Ins L § 5403 (2021)
2021 New York Laws ISC - Insurance Article 54 - New York Property Insurance Underwriting Association 5403 - Procedures.

§  5403.  Procedures.  (a)  Any person having an insurable interest in insurable property, who  has  made  a  diligent  effort  in  the  normal insurance  market  to  procure  fire  insurance,  extended  coverage and coverage for additional perils  and  broad  form  coverage  pursuant  to subsection (g) of section five thousand four hundred two of this article and  homeowners  insurance upon a determination of necessity having been made by the  superintendent  pursuant  to  section  five  thousand  four hundred  twelve  of this article from an authorized insurer, is entitled to apply to the association for such coverage. Such application  may  be made on behalf of an applicant by a broker or agent authorized by him.  (b)  If  the association determines that (i) the property is insurable in accordance with the plan and (ii) there  is  no  unpaid,  uncontested premium  due  from the applicant for prior insurance on the property (as shown by the insured having failed to make written objection to  charges within  thirty days after billing), the association, upon receipt of the premium or portion prescribed in the plan, shall cause a policy of  fire insurance  or  homeowners  insurance  upon  a determination of necessity having been made by the superintendent pursuant to section five thousand four hundred twelve of this article to be issued for a term of one year. The fire insurance policy shall also include, upon application therefor, extended coverage, broad form coverage pursuant  to  subsection  (g)  of section  five thousand four hundred two of this article and coverage for additional perils as may be requested.  (c) Any member may cede fire insurance, extended coverage, broad  form coverage  pursuant  to  subsection  (g)  of  section  five thousand four hundred two of this article  and  coverage  for  additional  perils  and homeowners  insurance upon a determination of necessity having been made by the superintendent pursuant to section  five  thousand  four  hundred twelve  of this article written on insurable property to the association as provided in the plan.  (d) The association shall notify  those  policyholders  whose  insured properties  are  located  in areas served by a market assistance program established by  the  superintendent  for  the  purpose  of  facilitating placement of homeowners' insurance of the possibility of eligibility for coverage   through   such   program.  Such  notification  shall  include information on how to apply and such other information  as  required  by the superintendent.
NY Ins L § 5404 (2021)
2021 New York Laws ISC - Insurance Article 54 - New York Property Insurance Underwriting Association 5404 - Rates, Rating Plans, Rules and Statistics.

§  5404.  Rates,  rating  plans,  rules and statistics. (a) The rates, rating plans, rating rules and statistics applicable  to  the  insurance written  by  the association shall be subject to the relevant provisions of article twenty-three of this chapter except as otherwise provided  in this section.  (b) Rates, rating plans and rating rules applicable to fire insurance, extended  coverage,  additional  perils, broad form coverage pursuant to subsection (g) of section five thousand four hundred two of this article and homeowners insurance upon a determination of necessity  having  been made  by  the  superintendent  pursuant  to  section  five thousand four hundred twelve of this article written by the association  shall  be  no greater  than  the  following  percentages  of those recommended for the voluntary market by the principal  rate  service  organization  in  this state:  (1) one hundred twenty percent with respect to:  (A)  owner-occupied  residential dwellings consisting of not more than four dwelling units;  (B) household furnishings  and  personal  property  contained  in  any household unit;  (C)  contents  of  any  retail-type  business  located  in  store-type premises and operating in a single location, provided such  business  is owned by its operators, who are all related by blood or affinity;  (D)  real  property  of eleemosynary institutions used exclusively for such eleemosynary purposes including furnishings and  personal  property contained therein;  (2) one hundred thirty percent with respect to:  (A)  non-owner  occupied  residential dwellings consisting of not more than four dwelling units;  (B) residential structures  consisting  of  more  than  four  but  not exceeding eight units with or without business occupancies;  (C) homeowners insurance upon a determination of necessity having been made  by  the  superintendent  pursuant  to  section  five thousand four hundred twelve of this article;  (3) one hundred forty percent with respect  to  residential  dwellings consisting  of  more than eight dwelling units, with or without business occupancies;  (4) one hundred thirty percent with respect to any risks not otherwise provided for in paragraphs one, two and three of this subsection.  (c) The rates, rating  plans  and  rating  rules  recommended  by  the principal   rate   service   organization,   together  with  such  other information the superintendent may require, shall be  submitted  by  the association  at  least sixty days prior to the date on which they are to become effective for risks written by it.  (d) Filed  rating  rules  or  plans  may  provide  standards  for  the application  of  surcharges  for  risks  containing  unsafe or hazardous conditions, and shall provide for prompt removal of the surcharges  upon the elimination of those conditions.
NY Ins L § 5406 (2021)
2021 New York Laws ISC - Insurance Article 54 - New York Property Insurance Underwriting Association 5406 - Appeals.

§  5406.  Appeals.  Any  applicant  to  the association and any person   insured pursuant to this  article,  or  their  representatives,  or  any   affected  insurer,  may  appeal to the superintendent within thirty days   after any ruling, action or decision by or on behalf of the association,   with respect to those items the plan of operation defines as  appealable   matters.
NY Ins L § 5407 (2021)
2021 New York Laws ISC - Insurance Article 54 - New York Property Insurance Underwriting Association 5407 - Availability of Reports; Immunity.

§  5407.  Availability of reports; immunity. (a) Reports of inspection performed by or on behalf of  the  association  shall  be  available  to members of the association, applicants and the superintendent.  (b)   No  liability  or  cause  of  action  shall  exist  against  the association or its agents or employees, an insurer or the superintendent or his authorized representatives for any statements made in good  faith by  them in any reports or communications concerning risks insured or to be insured by the association or at any related administrative hearings.
NY Ins L § 5408 (2021)
2021 New York Laws ISC - Insurance Article 54 - New York Property Insurance Underwriting Association 5408 - Annual Statement.

§  5408.  Annual  statement. (a) The association shall annually file a statement in the office of the superintendent on or before the first day of March. Such statement shall be in a  form  approved  by  and  contain information   required   by  the  superintendent  with  respect  to  its transactions, condition, operations and  affairs  during  the  preceding year.  (b)  The  superintendent  may  at  any time require the association to furnish additional information which he  considers  to  be  material  in evaluating the scope, operation and experience of the association.
NY Ins L § 5409 (2021)
2021 New York Laws ISC - Insurance Article 54 - New York Property Insurance Underwriting Association 5409 - Examinations.

§  5409.  Examinations.  The  superintendent  may,  in accordance with   article three of this chapter, make an examination into the  affairs  of   the  association  whenever  he deems it expedient. The expenses of every   such examination shall be borne and  paid  by  the  association  in  the   manner prescribed by section three hundred thirteen of this chapter.
NY Ins L § 5410 (2021)
2021 New York Laws ISC - Insurance Article 54 - New York Property Insurance Underwriting Association 5410 - Reimbursement Fund.

§  5410.  Reimbursement fund. (a) The superintendent shall assess each member of the association an amount sufficient to provide  reimbursement payments,  pursuant  to  the  provisions  of  section  1223(a)(1) of the federal Urban Property Protection and Reinsurance Act of  1968,  to  the agency  of  the federal government administering the act in an aggregate amount not to exceed five per centum of the aggregate property insurance premiums earned in the state during the preceding calendar year on those lines of insurance reinsured under such act during the calendar year.  (b) The total amount of any assessment on each such member shall be in the proportion that the premiums earned during  the  preceding  calendar year  by  each  such member in this state bear to the aggregate premiums earned in this state during the preceding calendar year on  those  lines of  insurance reinsured under the federal act during the current year by all members of the association. Assessments shall  be  collectible  from all  members  on  and  after  the forty-fifth day following receipt of a claim from the federal agency.  (c) The  superintendent  shall  receive  all  assessments  payable  on account of the claim of the federal agency and make all disbursements in carrying out this section from the riot reinsurance revolving fund which is   continued.  Notwithstanding  any  other  law,  rule  or  regulation requiring that money received for or on behalf of  the  state  shall  be paid  into  the  state  treasury,  the  superintendent shall deposit the assessments in a separate bank account or accounts in a trust company or bank having trust powers within the state. All deposits shall be secured by obligations of the United States or this  state  and  all  banks  and trust  companies are authorized to give the same. The monies of the fund may, at the discretion of the superintendent, be invested in obligations of or guaranteed by this state or  the  United  States.  Any  income  or earnings derived from such investments shall be deposited in the fund.  (d)  The  monies  in  the  fund  shall  be  paid  on  the order of the superintendent  solely  for  reimbursement  payments  as   provided   in subsection  (a)  hereof after any investigation the superintendent deems appropriate  to  verify  the  correctness  of  the  claim.  Any  balance remaining  shall  be retained by the superintendent in the fund and used only for the purpose of meeting future claims of the federal agency.  (e) The superintendent may at any time require any member  to  furnish information  he  deems necessary to determine if the member has complied with the provisions of this section.  (f) The comptroller shall have the power and authority  to  audit  the accruals,  the  receipts, the payments and the expenditure of all monies of the fund.
NY Ins L § 5414 (2021)
2021 New York Laws ISC - Insurance Article 54 - New York Property Insurance Underwriting Association 5414 - Coastal Market Assistance Program (C-Map).

§ 5414. Coastal market assistance program (C-MAP). (a) The association shall  create a coastal market assistance program to provide a voluntary mechanism whereby insurers and insurance agents and  brokers  facilitate efficient access to participating private market insurance companies for those personal residential property risks located in coastal areas.  (b)  To  provide  the  association with advice and assistance with the operations of the coastal market  assistance  program,  a  C-MAP  agents advisory  council  shall  be  established,  consisting  of  nine members appointed as follows: three members shall be appointed by the  governor, two members shall be appointed by the temporary president of the senate, two  members  shall  be  appointed  by  the speaker of the assembly, one member shall be appointed by the minority leader of the senate, and  one member  shall  be  appointed  by  the  minority  leader of the assembly, provided however that each member shall be  an  insurance  producer,  as defined  in  article  twenty-one  of this chapter, who sells homeowners' insurance in an area served by the coastal  market  assistance  program. The  superintendent,  or his or her designee, also may participate as an ex-officio member. Each member of such advisory council shall  serve  at the pleasure of the official who appointed such member.  (c)  The  association  shall  administer the coastal market assistance program. The association may, subject to approval of the superintendent, adopt reasonable eligibility standards for participation in the  coastal market assistance program.  (d) The C-MAP agents advisory council shall provide recommendations to the  association  for consideration by the board of directors. The board of directors shall promptly advise the superintendent,  in  writing,  of any recommendations received from the C-MAP agents advisory council.  (e)  The  association  shall  study  and  may adopt a voluntary single adjuster  program,  under  which  a  residence  insured  under  both  an association  and  a  private  market policy would have claims under both policies adjusted by the private market  carrier.  The  association  may adopt  other  incentives  to  encourage  voluntary  participation in the coastal market assistance  program,  subject  to  the  approval  of  the superintendent.
NY Ins L § 5501 (2021)
2021 New York Laws ISC - Insurance Article 55 - Medical Malpractice Insurance Association 5501 - Definitions.

§ 5501. Definitions. In this article:  (a) "Association" means the medical malpractice insurance association.  (b)  "Medical  malpractice  insurance"  means  insurance against legal liability of the insured, and against loss, damage, or expense  incident to  a  claim of such liability arising out of the death or injury of any person due to medical, dental, podiatric, certified  nurse-midwifery  or hospital  malpractice  by  any  licensed physician, dentist, podiatrist, certified  nurse-midwife,  certified  registered  nurse  anesthetist  or hospital.  (c) "Hospital" means:  (1)  Any  facility  defined  as  a hospital under section twenty-eight hundred one of the public health law and issued an operating certificate as a hospital or nursing home, and those distinct parts  of  a  facility which  are  subject to the powers of visitation, examination, inspection and investigation of the department  of  mental  hygiene  which  provide hospital or nursing home service.  (2)  Any  ambulance  service  which  is  registered or certified under article thirty of the public  health  law  and  which  is  designed  and equipped  to provide definitive acute medical care pursuant to rules and regulations of the  commissioner  of  health  in  accordance  with  such article concerning the requirements for an advanced life support system. Such  a  service  must  include, but not be limited to, the provision of advanced life support services.  (3) Any community mental health center operated  by  a  county,  city, town or village, holding an operating certificate issued by an office of the department of mental hygiene.  (4)  Any  certified  public  or voluntary non-profit home care service agency which possesses a valid  certificate  of  approval  issued  under article twenty-eight or thirty-six of the public health law.  (d)  "Net  direct  premiums"  means  gross  direct premiums written on personal injury liability insurance, including the  liability  component of  multiple  peril  package policies as computed by the superintendent, less return premiums for the unused or unabsorbed  portions  of  premium deposits.  (e) "Personal injury liability insurance" means all forms of insurance written  under  paragraph  thirteen  of  subsection  (a)  of section one thousand one hundred thirteen of this chapter, including  the  liability component of multiple peril package policies.
NY Ins L § 5503 (2021)
2021 New York Laws ISC - Insurance Article 55 - Medical Malpractice Insurance Association 5503 - Plan of Operation.

§  5503.  Plan  of  operation.  (a)  The  association shall operate in accordance with a plan of operation approved by the superintendent which provides for economic, fair and  non-discriminatory  administration  and for the prompt and efficient provision of medical malpractice insurance.  (b)  The plan shall contain other provisions including but not limited to preliminary assessment of all members for initial expenses  necessary to   commence   operations,   establishment   of  necessary  facilities, management of the association, assessment of members  to  defray  losses and  expenses,  service  charges, acceptance and cession of reinsurance, appointment of servicing carriers or other  servicing  arrangements  and procedures  for  determining  amounts of insurance to be provided by the association.  (c) Amendments to the plan of operation may be made by  the  board  of directors   of   the   association,  subject  to  the  approval  of  the superintendent, or shall be made at the direction of the superintendent.  (d) The association shall be subject to the provisions of this chapter applicable to property/casualty insurers in the conduct of its business, in order  to  provide  for  the  fair  treatment  of  policyholders  and claimants.  (e)  The  association shall make the lump sum payments provided for in subdivision (b)  of  section  five  thousand  thirty-six  of  the  civil practice  law  and rules and receive the periodic payments due under the annuity contract provided for therein.
NY Ins L § 5505 (2021)
2021 New York Laws ISC - Insurance Article 55 - Medical Malpractice Insurance Association 5505 - Rates.

§  5505.  Rates.  (a)  The  rates,  rating plans, rating rules, rating classifications, territories and statistics applicable to the  insurance written  by  the association shall be subject to article twenty-three of this chapter, giving due consideration to the past and prospective  loss and  expense experience for medical malpractice insurance written and to be written in this state,  trends  in  the  frequency  and  severity  of losses,  the  investment  income  of  the  association,  and  such other information as the superintendent may require.  (b) All rates shall be on an actuarially sound basis, be calculated to be self-supporting, be based upon reasonable  standards,  and  may  give consideration  to  such  factors  as  the  experience  of  the  insured, geographical area and specialties of practice. The superintendent  shall take all appropriate steps to make available to the association the loss and   expense   experience   of   insurers  previously  writing  medical malpractice insurance in this state. The premiums shall be fixed at  the lowest possible rates consistent with the maintenance of solvency of the association and of reasonable reserves and surplus therefor.  (c)  The  association's  rates,  rating plans, rating rules and rating classifications  may  provide  for  premium  discounts  for  physicians, dentists,   certified   nurse-midwives,   certified   registered   nurse anesthetists or podiatrists commencing practice or conducting a  limited practice as set forth in the plan of operation.  (d) In filing rates, the association may include in its experience the annuity payments received, the then present value of annuity payments to which  it  is entitled, and lump sum payments made by the association in accordance with subdivision (b) of section five thousand  thirty-six  of the civil practice law and rules.
NY Ins L § 5506 (2021)
2021 New York Laws ISC - Insurance Article 55 - Medical Malpractice Insurance Association 5506 - Procedures.

§  5506.  Procedures. (a) Any licensed physician, dentist, podiatrist, certified  nurse-midwife,  certified  registered  nurse  anesthetist  or hospital  is  entitled to apply to the association for coverage pursuant to this article. Application may be made directly to the association  by the  applicant,  in  which event no service fee shall be charged. If the applicant authorizes a broker or agent to make the application, the only charge for such service shall be a service fee as limited by the plan of operation  and  in  compliance  with  the   procedure   established   in subsections  (c) and (d) of section two thousand one hundred nineteen of this chapter.  (b) A policy shall be issued when the association determines that  the applicant  is  duly  licensed  and  receives  the premium or the portion prescribed in the plan of operation.