reglab/housing_qa huggingface dataset:
MT Code § 33-18-201 (2021)
2021 Montana Code Annotated|Title 33. Insurance and Insurance Companies|Chapter 18. Unfair Trade Practices|Part 2. Insurer's Relations With Insured and Claimant|33-18-201. Unfair claim settlement practices prohibited

  33-18-201. Unfair claim settlement practices prohibited. A person may not, with such frequency as to indicate a general business practice, do any of the following:   (1) misrepresent pertinent facts or insurance policy provisions relating to coverages at issue;   (2) fail to acknowledge and act reasonably promptly upon communications with respect to claims arising under insurance policies;   (3) fail to adopt and implement reasonable standards for the prompt investigation of claims arising under insurance policies;   (4) refuse to pay claims without conducting a reasonable investigation based upon all available information;   (5) fail to affirm or deny coverage of claims within a reasonable time after proof of loss statements have been completed;   (6) neglect to attempt in good faith to effectuate prompt, fair, and equitable settlements of claims in which liability has become reasonably clear;   (7) compel insureds to institute litigation to recover amounts due under an insurance policy by offering substantially less than the amounts ultimately recovered in actions brought by the insureds;   (8) attempt to settle a claim for less than the amount to which a reasonable person would have believed the person was entitled by reference to written or printed advertising material accompanying or made part of an application;   (9) attempt to settle claims on the basis of an application that was altered without notice to or knowledge or consent of the insured;   (10) make claims payments to insureds or beneficiaries not accompanied by statements setting forth the coverage under which the payments are being made;   (11) make known to insureds or claimants a policy of appealing from arbitration awards in favor of insureds or claimants for the purpose of compelling them to accept settlements or compromises less than the amount awarded in arbitration;   (12) delay the investigation or payment of claims by requiring an insured, claimant, or physician of either to submit a preliminary claim report and then requiring the subsequent submission of formal proof of loss forms, both of which submissions contain substantially the same information;   (13) fail to promptly settle claims, if liability has become reasonably clear, under one portion of the insurance policy coverage in order to influence settlements under other portions of the insurance policy coverage; or   (14) fail to promptly provide a reasonable explanation of the basis in the insurance policy in relation to the facts or applicable law for denial of a claim or for the offer of a compromise settlement.   History: En. 40-3502.1 by Sec. 1, Ch. 320, L. 1977; R.C.M. 1947, 40-3502.1; amd. Sec. 1206, Ch. 56, L. 2009.
MT Code § 33-18-202 (2021)
2021 Montana Code Annotated|Title 33. Insurance and Insurance Companies|Chapter 18. Unfair Trade Practices|Part 2. Insurer's Relations With Insured and Claimant|33-18-202. Misrepresentation and false advertising of policies prohibited

  33-18-202. Misrepresentation and false advertising of policies prohibited. No person shall make, issue, circulate, or cause to be made, issued, or circulated any estimate, illustration, circular, sales presentation, omission, comparison, or statement which:   (1) misrepresents the benefits, advantages, conditions, or terms of any insurance policy;   (2) misrepresents the dividends or share of the surplus to be received on any insurance policy;   (3) makes any false or misleading statement as to the dividends or share of surplus previously paid on any insurance policy;   (4) is misleading or is a misrepresentation as to the financial condition of any person or as to the legal reserve system upon which any life insurer operates;   (5) uses any name or title of any insurance policy or class of insurance policies misrepresenting the true nature thereof;   (6) is a misrepresentation for the purpose of effecting a pledge or assignment of or effecting a loan against any insurance policy; or   (7) misrepresents any insurance policy as being shares of stock.   History: En. Sec. 205, Ch. 286, L. 1959; R.C.M. 1947, 40-3503; amd. Sec. 1, Ch. 9, L. 1979.
MT Code § 33-18-203 (2021)
2021 Montana Code Annotated|Title 33. Insurance and Insurance Companies|Chapter 18. Unfair Trade Practices|Part 2. Insurer's Relations With Insured and Claimant|33-18-203. False or deceptive advertising prohibited

  33-18-203. False or deceptive advertising prohibited. A person may not make, publish, disseminate, circulate, or place before the public, or cause, directly or indirectly, to be made, published, disseminated, circulated, or placed before the public, in a newspaper, magazine, or other publication or in the form of a notice, circular, pamphlet, letter, or poster or over any radio or television station or in any other way, an advertisement, announcement, or statement containing any assertion, representation, or statement with respect to the business of insurance or with respect to any person in the conduct of the person's insurance business that is untrue, deceptive, or misleading.   History: En. Sec. 206, Ch. 286, L. 1959; R.C.M. 1947, 40-3504; amd. Sec. 1207, Ch. 56, L. 2009.
MT Code § 33-18-204 (2021)
2021 Montana Code Annotated|Title 33. Insurance and Insurance Companies|Chapter 18. Unfair Trade Practices|Part 2. Insurer's Relations With Insured and Claimant|33-18-204. Twisting prohibited

  33-18-204. Twisting prohibited. No person shall make or issue or cause to be made or issued any written or oral statement misrepresenting or making incomplete comparisons as to the terms, conditions, or benefits contained in any policy for the purpose of inducing or attempting or tending to induce the policyholder to lapse, forfeit, surrender, retain, exchange, or convert any insurance policy.   History: En. Sec. 207, Ch. 286, L. 1959; R.C.M. 1947, 40-3505.
MT Code § 33-18-205 (2021)
2021 Montana Code Annotated|Title 33. Insurance and Insurance Companies|Chapter 18. Unfair Trade Practices|Part 2. Insurer's Relations With Insured and Claimant|33-18-205. Filing or publishing false financial statements or making false entries prohibited

  33-18-205. Filing or publishing false financial statements or making false entries prohibited. (1) No person shall file with any supervisory or other public official or make, publish, disseminate, circulate, or deliver to any person or place before the public or cause, directly or indirectly, to be made, published, disseminated, circulated, delivered to any person, or placed before the public any false statement of financial condition of an insurer with intent to deceive.   (2) No person shall make any false entry in any book, report, or statement of any insurer with intent to deceive any agent or examiner lawfully appointed to examine into its condition or into any of its affairs or any public official to whom such insurer is required by law to report or who has authority by law to examine into its condition or into any of its affairs or, with like intent, willfully omit to make a true entry of any material fact pertaining to the business of such insurer in any book, report, or statement of such insurer. Any person who aids or abets in any such violation of this section shall be punishable upon conviction by a fine of $1,000 or by imprisonment in the county jail for 6 months or both such fine and imprisonment.   History: En. Sec. 208, Ch. 286, L. 1959; amd. Sec. 1, Ch. 29, L. 1967; R.C.M. 1947, 40-3506.
MT Code § 33-18-206 (2021)
2021 Montana Code Annotated|Title 33. Insurance and Insurance Companies|Chapter 18. Unfair Trade Practices|Part 2. Insurer's Relations With Insured and Claimant|33-18-206. Unfair discrimination prohibited -- life insurance, annuities, and disability insurance

  33-18-206. Unfair discrimination prohibited -- life insurance, annuities, and disability insurance. (1) No person shall make or permit any unfair discrimination between individuals of the same class and equal expectation of life in the rates charged for any contract of life insurance or of life annuity or in the dividends or other benefits payable thereon or in any other of the terms and conditions of such contract.   (2) No person shall make or permit any unfair discrimination between individuals of the same class and of essentially the same hazard in the amount of premium, policy fees, or rates charged for any policy or contract of disability insurance or in the benefits payable thereunder or in any of the terms or conditions of such contract or in any other manner whatever.   (3) An insurer may not refuse to consider an application for life or disability insurance on the basis of a genetic condition, developmental delay, or developmental disability.   (4) The rejection of an application or the determining of rates, terms, or conditions of a life or disability insurance contract on the basis of genetic condition, developmental delay, or developmental disability constitutes unfair discrimination unless the applicant's medical condition and history and either claims experience or actuarial projections establish that substantial differences in claims are likely to result from the genetic condition, developmental delay, or developmental disability.   (5) As used in this section, the following definitions apply:   (a) "Developmental delay" means a delay of at least 1 1/2 standard deviations from the norm.   (b) "Developmental disability" means the singular of developmental disabilities as defined in 53-20-202.   (c) "Genetic condition" means a specific chromosomal or single-gene genetic condition.   History: En. Sec. 211, Ch. 286, L. 1959; R.C.M. 1947, 40-3509; amd. Sec. 1, Ch. 318, L. 1991.
MT Code § 33-18-207 (2021)
2021 Montana Code Annotated|Title 33. Insurance and Insurance Companies|Chapter 18. Unfair Trade Practices|Part 2. Insurer's Relations With Insured and Claimant|33-18-207. Preferred rates to fictitious groups prohibited -- approval of preferred group rates and forms

  33-18-207. Preferred rates to fictitious groups prohibited -- approval of preferred group rates and forms. (1) No insurer, whether an authorized insurer or an unauthorized insurer, shall make available through any rating plan or form, property, casualty, or surety insurance to any firm, corporation, or association of individuals, any preferred rate or premium based upon any fictitious group of such firm, corporation, or association of individuals.   (2) No form or plan of insurance covering any group or combination of persons or risks shall be written or delivered within or outside this state to cover persons or risks in this state at any preferred rate or on any form other than as offered to persons not in such group or combination and to the public generally unless such form, plan of insurance, and the rates or premiums to be charged therefor have been submitted to and approved by the commissioner as being not unfairly discriminatory and as not otherwise being in conflict with subsection (1) above or with any provision of parts 1 through 4 of chapter 16 to the extent that parts 1 through 4 are, by their terms, applicable thereto.   (3) This section does not apply to life insurance, disability insurance, workers' compensation insurance written for industry or business associations, or annuity contracts. However, workers' compensation group insurance rates are subject to all applicable provisions of chapter 16, part 10.   History: En. Sec. 222, Ch. 286, L. 1959; amd. Sec. 1, Ch. 292, L. 1977; R.C.M. 1947, 40-3520.
MT Code § 33-18-208 (2021)
2021 Montana Code Annotated|Title 33. Insurance and Insurance Companies|Chapter 18. Unfair Trade Practices|Part 2. Insurer's Relations With Insured and Claimant|33-18-208. Contract to contain agreements -- rebates prohibited -- life, disability, and annuity contracts

  33-18-208. Contract to contain agreements -- rebates prohibited -- life, disability, and annuity contracts. Except as otherwise expressly provided by law, no person shall knowingly:   (1) permit or offer to make or make any contract of life insurance, life annuity, or disability insurance or agreement as to such contract other than as plainly expressed in the contract issued thereon;   (2) pay or allow or give or offer to pay, allow, or give, directly or indirectly, as inducement to such insurance or annuity any rebate of premiums payable on the contract or any special favor or advantage in the dividends or other benefits thereon or any paid employment or contract for services of any kind or any valuable consideration or inducement whatever not specified in the contract;   (3) directly or indirectly give or sell or purchase or offer or agree to give, sell, purchase, or allow as inducement to such insurance or annuity or in connection therewith and whether or not to be specified in the policy or contract, any agreement of any form or nature promising returns and profits or any stocks, bonds, or other securities or interest present or contingent therein or as measured thereby of any insurance company or other corporation, association, or partnership or any dividends or profits accrued or to accrue thereon; or   (4) offer, promise, or give anything of value whatsoever not specified in the contract.   History: En. Sec. 212, Ch. 286, L. 1959; R.C.M. 1947, 40-3510.
MT Code § 33-18-209 (2021)
2021 Montana Code Annotated|Title 33. Insurance and Insurance Companies|Chapter 18. Unfair Trade Practices|Part 2. Insurer's Relations With Insured and Claimant|33-18-209. Exceptions to discrimination and rebates provision

  33-18-209. Exceptions to discrimination and rebates provision. Nothing in 33-18-206 and 33-18-208 shall be construed as including within the definition of discrimination or rebates any of the following practices:   (1) in the case of any contract of life insurance or life annuity, paying bonuses to policyholders or otherwise abating their premiums in whole or in part out of surplus accumulated from nonparticipating insurance, provided that any such bonuses or abatement of premiums shall be fair and equitable to policyholders and for the best interests of the insurer;   (2) in the case of life insurance policies issued on the industrial debit, preauthorized check, bank draft, or similar plans, making allowance to policyholders who have continuously for a specified period made premium payments directly to an office of the insurer or by preauthorized check, bank draft, or similar plans, in an amount which fairly represents the saving in collection expense;   (3) readjustment of the rate of premium for a group insurance policy based on the loss or expense experience thereunder, at the end of the first or any subsequent policy year of insurance thereunder, which may be made retroactive only for such policy year;   (4) reduction of premium rate for policies of large amount but not exceeding savings in issuance and administration expenses reasonably attributable to such policies as compared with policies of similar plan issued in smaller amounts;   (5) issuing life or disability insurance policies on a salary savings or payroll deduction plan at reduced rate reasonably commensurate with the savings made by the use of such plan.   History: En. Sec. 213, Ch. 286, L. 1959; R.C.M. 1947, 40-3511.
MT Code § 33-18-211 (2021)
2021 Montana Code Annotated|Title 33. Insurance and Insurance Companies|Chapter 18. Unfair Trade Practices|Part 2. Insurer's Relations With Insured and Claimant|33-18-211. Stock operations and advisory board contracts

  33-18-211. Stock operations and advisory board contracts. No person shall issue or deliver or permit its insurance producers, officers, or employees to issue or deliver agency company stock or other capital stock or benefit certificates or shares in any common-law corporation or any advisory board contract or other similar contract of any kind promising returns and profits as an inducement to insurance.   History: En. Sec. 215, Ch. 286, L. 1959; R.C.M. 1947, 40-3513; amd. Sec. 1, Ch. 713, L. 1989.
MT Code § 33-18-212 (2021)
2021 Montana Code Annotated|Title 33. Insurance and Insurance Companies|Chapter 18. Unfair Trade Practices|Part 2. Insurer's Relations With Insured and Claimant|33-18-212. Illegal dealing in premiums -- improper charges for insurance

  33-18-212. Illegal dealing in premiums -- improper charges for insurance. (1) A person may not willfully collect any sum as a premium or charge for insurance that is not then provided or is not in due course to be provided, subject to acceptance of the risk by the insurer, by an insurance policy issued by an insurer as authorized by this code.   (2) A person may not willfully collect as a premium or charge for insurance any sum in excess of or less than the premium or charge applicable to the insurance and, as specified in the policy, in accordance with the applicable classifications and rates filed with or approved by the commissioner; or in cases in which classifications, premiums, or rates are not required by this code to be filed or approved, the premiums and charges may not be in excess of or less than those specified in the policy and as fixed by the insurer. This provision may not prohibit the charging and collection, by surplus lines insurance producers licensed under chapter 2, part 3, of the amount of applicable state and federal taxes in addition to the premium required by the insurer. This provision may not prohibit the charging and collection, by a life insurer, of amounts actually to be expended for medical examination of an applicant for life insurance or for reinstatement of a life insurance policy.   (3) This section does not prohibit the charging and collection of a flat fee by a surplus lines insurance producer as specified in 33-2-320 for transaction of surplus lines insurance policies.   History: En. Sec. 221, Ch. 286, L. 1959; R.C.M. 1947, 40-3519; amd. Sec. 1, Ch. 86, L. 1979; amd. Sec. 29, Ch. 537, L. 1987; amd. Sec. 41, Ch. 613, L. 1989; amd. Secs. 1, 2, Ch. 713, L. 1989; amd. Sec. 54, Ch. 379, L. 1995; amd. Sec. 3, Ch. 223, L. 2015; amd. Sec. 28, Ch. 396, L. 2017.
MT Code § 33-18-213 (2021)
2021 Montana Code Annotated|Title 33. Insurance and Insurance Companies|Chapter 18. Unfair Trade Practices|Part 2. Insurer's Relations With Insured and Claimant|33-18-213. Extension of credit to policyholder

  33-18-213. Extension of credit to policyholder. Notwithstanding any other provision of law, an insurance producer, as defined in 33-17-102, may extend credit to a policyholder in connection with the issuance or servicing of any policy procured or negotiated by the insurance producer, but any credit so extended must satisfy one of the following requirements:   (1) if credit is extended to a policyholder for not more than 30 days from the date the premium is due and the credit is not evidenced by a written instrument, no interest may be charged; or   (2) if credit is extended to a policyholder for more than 30 days from the date the premium is due and the credit is not evidenced by a written instrument, interest may be charged for credit extended after 30 days at a rate not more than 1 1/2% a month on the unpaid balance; or   (3) if the extension of credit to a policyholder is evidenced by a written instrument signed by the policyholder, any interest charged for such credit shall be clearly stated in the instrument and may not exceed the legal rate of interest authorized in 31-1-107.   History: En. Sec. 1, Ch. 128, L. 1981; amd. Sec. 1, Ch. 713, L. 1989.
MT Code § 33-18-214 (2021)
2021 Montana Code Annotated|Title 33. Insurance and Insurance Companies|Chapter 18. Unfair Trade Practices|Part 2. Insurer's Relations With Insured and Claimant|33-18-214. Repealed

  33-18-214. Repealed. Sec. 35, Ch. 63, L. 2015.   History: En. Sec. 3, Ch. 357, L. 1995.
MT Code § 33-18-215 (2021)
2021 Montana Code Annotated|Title 33. Insurance and Insurance Companies|Chapter 18. Unfair Trade Practices|Part 2. Insurer's Relations With Insured and Claimant|33-18-215. Postclaim underwriting prohibited -- condition

  33-18-215. Postclaim underwriting prohibited -- condition. An insurer, health service corporation, or health maintenance organization may not place an elimination rider on or rescind coverage provided by a disability policy, certificate, or subscriber contract after a policy, certificate, or contract has been issued unless the insured has made a material misrepresentation or fraudulent misstatement on the application or has failed to pay the premium when due.   History: En. Sec. 1, Ch. 53, L. 1997.
MT Code § 33-18-217 (2021)
2021 Montana Code Annotated|Title 33. Insurance and Insurance Companies|Chapter 18. Unfair Trade Practices|Part 2. Insurer's Relations With Insured and Claimant|33-18-217. Military discount exception to rebate and discount prohibition for property or casualty insurance

  33-18-217. Military discount exception to rebate and discount prohibition for property or casualty insurance. (1) The prohibition against rebates or discounts provided for in 33-18-210 does not apply with respect to property or casualty insurance sales to:   (a) an active, retired, or honorably separated member of the United States armed forces, including a member of a reserve component as defined in 37-1-138; or   (b) a spouse, surviving spouse, dependent, or heir of a United States armed forces member referred to in subsection (1)(a).   (2) This section does not permit unfair discrimination based on rank or pay grade.   History: En. Sec. 1, Ch. 98, L. 2015.
MT Code § 33-18-218 (2021)
2021 Montana Code Annotated|Title 33. Insurance and Insurance Companies|Chapter 18. Unfair Trade Practices|Part 2. Insurer's Relations With Insured and Claimant|33-18-218. through 33-18-220 reserved

  33-18-218 through 33-18-220 reserved.