reglab/housing_qa huggingface dataset:
ID Code § 41-1622 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 16 - WORKER’S COMPENSATION RATES|Section 41-1622 - INFORMATION TO INSUREDS — REVIEW OF INSURED’S COMPLAINT.

41-1622. INFORMATION TO INSUREDS — REVIEW OF INSURED’S COMPLAINT. (1) Every rating organization and every insurer which makes its own rates shall, within a reasonable time after receiving written request therefor and upon payment of such reasonable charges as it may make, furnish to any insured affected by a rate made by it, or to the authorized representative of such insured, all pertinent information as to such rate. (2) Every rating organization and every insurer which makes its own rates shall provide within this state reasonable means whereby any person aggrieved by the application of its rating system may be heard, in person or by his authorized representative, on his written request to review the manner in which such rating system has been applied in connection with the insurance afforded him. If the rating organization or insurer fails to grant or reject such request within thirty (30) days after it is made, the applicant may proceed in the same manner as if his application had been rejected. Any party affected by the action of such rating organization or such insurer on such request may, within thirty (30) days after written notice of such action, appeal to the director, who, after a hearing held upon notice to the appellant and to such rating organization or insurer in accordance with chapter 2, title 41, Idaho Code, may affirm or reverse such action.  History: [41-1622, added 1969, ch. 306, sec. 22, p. 917; am. 2005, ch. 77, sec. 21, p. 268.]
ID Code § 41-1623 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 16 - WORKER’S COMPENSATION RATES|Section 41-1623 - APPEAL FROM FILING.

41-1623. APPEAL FROM FILING. (1) Any person or organization aggrieved with respect to any filing which is in effect may make written application to the director for a hearing thereon, provided, however, that the insurer or rating organization that made the filing shall not be authorized to proceed under this section. Such application shall specify the grounds to be relied upon by the applicant. If the director finds that the application is made in good faith, that the applicant would be so aggrieved if his grounds are established, and that such grounds otherwise justify holding such a hearing, he shall hold a hearing upon notice to the applicant and to every insurer and rating organization which made the filing in accordance with chapter 2, title 41, Idaho Code. (2) If, after such hearing, the director finds that the filing does not meet the requirements of the law he shall issue an order specifying in what respects he finds that such filing fails to meet the requirements of law, and stating when, within a reasonable period thereafter, such filing shall be deemed no longer effective. Copies of the order shall be sent to the applicant and to every such insurer and rating organization. The order shall not affect any contract or policy made or issued prior to the expiration of the period set forth in the order.  History: [41-1623, added 1969, ch. 306, sec. 23, p. 917; am. 2005, ch. 77, sec. 22, p. 269.]
ID Code § 41-1624 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 16 - WORKER’S COMPENSATION RATES|Section 41-1624 - COOPERATION AMONG RATING ORGANIZATIONS AND INSURERS.

41-1624. COOPERATION AMONG RATING ORGANIZATIONS AND INSURERS. Cooperation among rating organizations or among rating organizations and insurers in rate making or in other matters within the scope of this chapter is hereby authorized, providing the filings resulting from such cooperation are subject to all the provisions of this chapter which are applicable to filings generally. The director may review such cooperative activities and practices and if, after a hearing, he finds that any such activity or practice is unfair or unreasonable or otherwise inconsistent with the provisions of law, he may issue a written order specifying in what respects such activity or practice is unfair or unreasonable or otherwise inconsistent with the provisions of law, and requiring the discontinuance of such activity or practice.  History: [I.C., sec. 41-1624, as added by 1969, ch. 306, sec. 24, p. 917.]
ID Code § 41-1701 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 17 - BUSINESS TRANSACTED WITH BROKER CONTROLLED INSURER|Section 41-1701 - SHORT TITLE.

41-1701. SHORT TITLE. This chapter may be cited as the "Business Transacted with Broker Controlled Insurer Act."  History: [41-1701, added 1993, ch. 194, sec. 12, p. 502.]
ID Code § 41-1702 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 17 - BUSINESS TRANSACTED WITH BROKER CONTROLLED INSURER|Section 41-1702 - DEFINITIONS.

41-1702. DEFINITIONS. As used in this chapter: (1) "Accredited state" means a state in which the insurance department or regulatory agency has qualified as meeting the minimum financial regulatory standards promulgated and established from time to time by the national association of insurance commissioners (NAIC). (2) "Broker" means an insurance broker or brokers or any other person, firm, association or corporation, when, for any compensation, commission or other thing of value, such person, firm, association or corporation acts or aids in any manner in soliciting, negotiating or procuring the making of any insurance contract on behalf of an insured other than the person, firm, association or corporation. (3) "Control" or "controlled" has the meaning ascribed in section 41-3802(2), Idaho Code. (4) "Controlled insurer" means a licensed insurer which is controlled, directly or indirectly, by a broker. (5) "Controlling broker" means a broker who, directly or indirectly, controls an insurer. (6) "Licensed insurer" or "insurer" means any person, firm, association or corporation duly licensed to transact a property/casualty insurance business in this state. The following inter alia are not licensed insurers for the purposes of this chapter: (a) All risk retention groups as defined in the superfund amendments reauthorization act of 1986, P.L. 99-499, 100 Stat. 1613 (1986) and the risk retention act 15 U.S.C. section 3901 et seq. (1982 and supp. 1986) and chapter 48, title 41, Idaho Code; (b) All residual market pools and joint underwriting authorities or associations; and (c) All captive insurers. For purposes of this chapter, captive insurers are insurance companies owned by another organization whose exclusive purpose is to insure risks of the parent organization and affiliated companies or, in the case of groups and associations, insurance organizations owned by the insureds whose exclusive purpose is to insure risks to member organizations and/or group members and their affiliates.  History: [41-1702, added 1993, ch. 194, sec. 12, p. 502; am. 2013, ch. 266, sec. 9, p. 683.]
ID Code § 41-1703 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 17 - BUSINESS TRANSACTED WITH BROKER CONTROLLED INSURER|Section 41-1703 - APPLICABILITY.

41-1703. APPLICABILITY. This chapter shall apply to licensed insurers as defined in section 41-1702, Idaho Code, either domiciled in this state or domiciled in a state that is not an accredited state having in effect a substantially similar law. All provisions of chapter 38, title 41, Idaho Code, to the extent they are not superseded by this chapter, shall continue to apply to all parties within holding company systems subject to the provisions of this chapter.  History: [41-1703, added 1993, ch. 194, sec. 12, p. 503.]
ID Code § 41-1705 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 17 - BUSINESS TRANSACTED WITH BROKER CONTROLLED INSURER|Section 41-1705 - DISCLOSURE.

41-1705. DISCLOSURE. The broker, prior to the effective date of the policy, shall deliver written notice to the prospective insured disclosing the relationship between the broker and the controlled insurer; except that, if the business is placed through a subbroker who is not a controlling broker, the controlling broker shall retain in his records a signed commitment from the subbroker that the subbroker is aware of the relationship between the insurer and the broker and that the subbroker has or will notify the insured.  History: [41-1705, added 1993, ch. 194, sec. 12, p. 506.]
ID Code § 41-1706 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 17 - BUSINESS TRANSACTED WITH BROKER CONTROLLED INSURER|Section 41-1706 - PENALTIES.

41-1706. PENALTIES. (1) If the director believes that the controlling broker or any other person has not materially complied with the provisions of this chapter, or any regulation or order promulgated hereunder, after notice and opportunity to be heard, the director may order the controlling broker to cease placing business with the controlled insurer; and, if it was found that because of such material noncompliance that the controlled insurer or any policyholder thereof has suffered any loss or damage, the director may maintain a civil action or intervene in an action brought by or on behalf of the insurer or policyholder for recovery of compensatory damages for the benefit of the insurer or policyholder or other appropriate relief. (2) If an order for liquidation or rehabilitation of the controlled insurer has been entered pursuant to chapter 33, title 41, Idaho Code, and the receiver appointed under that order believes that the controlling broker or any other person has not materially complied with the provisions of this chapter, or any regulation or order promulgated hereunder, and the insurer suffered any loss or damage therefrom, the receiver may maintain a civil action for recovery of damages or other appropriate sanctions for the benefit of the insurer. (3) Nothing contained in this section shall affect the right of the director to impose any other penalties provided for in the insurance code. (4) Nothing contained in this section is intended to, or shall in any manner, alter or affect the rights of policyholders, claimants, creditors or other third parties.  History: [41-1706, added 1993, ch. 194, sec. 12, p. 506.]
ID Code § 41-1801 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 18 - THE INSURANCE CONTRACT|Section 41-1801 - SCOPE OF CHAPTER.

41-1801. SCOPE OF CHAPTER. This chapter applies as to all insurance contracts and annuity contracts, other than: (1) Reinsurance. (2) Policies or contracts not issued for delivery in this state nor delivered in this state. (3) Wet marine and transportation insurance. Provided, however, that the above stated exceptions shall not apply to section 41-1839.  History: [41-1801, added 1961, ch. 330, sec. 393, p. 645; am. 1967, ch. 26, sec. 1, p. 46.]
ID Code § 41-1802 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 18 - THE INSURANCE CONTRACT|Section 41-1802 - “POLICY” DEFINED.

41-1802. "POLICY" DEFINED. "Policy" means the written contract of or written agreement for or effecting insurance, by whatever name called, and includes all clauses, riders, endorsements and papers which are a part thereof.  History: [41-1802, added 1961, ch. 330, sec. 394, p. 645.]
ID Code § 41-1803 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 18 - THE INSURANCE CONTRACT|Section 41-1803 - “PREMIUM” DEFINED.

41-1803. "PREMIUM" DEFINED. "Premium" is the consideration for insurance by whatever name called. Any "assessment," or any "membership," "policy," "survey," "inspection," "service" or similar fee or other charge in consideration for an insurance contract is deemed part of the premium; provided that producer fees charged pursuant to section 41-1030, Idaho Code, shall not be considered a premium unless the fee relates to a surplus line policy.  History: [41-1803, added 1961, ch. 330, sec. 395, p. 645; am. 2001, ch. 154, sec. 2, p. 558; am. 2002, ch. 359, sec. 2, p. 1018.]
ID Code § 41-1804 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 18 - THE INSURANCE CONTRACT|Section 41-1804 - INSURABLE INTEREST — PERSONAL INSURANCE.

41-1804. INSURABLE INTEREST — PERSONAL INSURANCE. (1) Any individual of competent legal capacity may procure or effect an insurance contract upon his own life or body for the benefit of any person. But, except as provided in section 41-1805, no person shall procure or cause to be procured any insurance contract upon the life or body of another individual unless the benefits under such contract are payable to the individual insured or his personal representatives, or to a person having, at the time when such contract was made, an insurable interest in the individual insured. (2) If the beneficiary, assignee, or other payee under any contract made in violation of this section receives from the insurer any benefits thereunder accruing upon the death, disablement, or injury of the individual insured, the individual insured or his executor or administrator, as the case may be, may maintain an action to recover such benefits from the person so receiving them. (3) "Insurable interest" as to personal insurance means that every individual has an insurable interest in the life, body and health of himself, and of other persons as follows: (a) In the case of individuals related closely by blood or by law, a substantial interest engendered by love and affection; (b) In the case of other persons, a lawful and substantial economic interest in having the life, health, or bodily safety of the individual insured continue, as distinguished from an interest which would arise only by, or would be enhanced in value by, the death, disablement or injury of the individual insured; and (c) An individual heretofore or hereafter party to a contract or option for the purchase or sale of an interest in a business partnership or firm, or of shares of stock of a closed corporation or of an interest in such shares, has an insurable interest in the life of each individual party to such contract and for the purposes of such contract only, in addition to any insurable interest which may otherwise exist as to the life of such individual. (4) An insurer shall be entitled to rely upon all statements, declarations and representations made by an applicant for insurance relative to the insurable interest of the applicant in the insured; and no insurer shall incur legal liability except as set forth in the policy, by virtue of any untrue statements, declarations or representations so relied upon in good faith by the insurer.  History: [41-1804, added 1961, ch. 330, sec. 396, p. 645.]
ID Code § 41-1805 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 18 - THE INSURANCE CONTRACT|Section 41-1805 - LIFE INSURANCE FOR BENEFIT OF CERTAIN INSTITUTIONS.

41-1805. LIFE INSURANCE FOR BENEFIT OF CERTAIN INSTITUTIONS. (1) Contracts of life insurance may be made and entered into in which the person paying the consideration for such insurance has no insurable interest in the life of the person insured, where charitable, benevolent, educational, or religious institutions are designated irrevocably as the beneficiaries thereof. (2) In making such contracts the person paying the premium shall make and sign the application therefor as owner and shall designate a charitable, benevolent, educational, or religious institution irrevocably as the beneficiary or beneficiaries of such policy. The application also shall be signed by the person whose life is to be insured. (3) Such a contract shall be valid and binding between and among all of the parties thereto, and the person paying the consideration for such insurance shall have all rights conferred by the contract to loan value at any time during the premium paying period, but not at maturity, notwithstanding such person has no insurable interest in the life of the person insured.  History: [41-1805, added 1961, ch. 330, sec. 397, p. 645.]
ID Code § 41-1806 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 18 - THE INSURANCE CONTRACT|Section 41-1806 - INSURABLE INTEREST — PROPERTY.

41-1806. INSURABLE INTEREST — PROPERTY. (1) No contract of insurance of property or of any interest in property or arising from property shall be enforceable as to the insurance except for the benefit of persons having an insurable interest in the things insured as at the time of the loss. (2) "Insurable interest" as used in this section means any actual, lawful, and substantial economic interest in the safety or preservation of the subject of the insurance free from loss, destruction, or pecuniary damage or impairment. (3) The measure of an insurable interest in property is the extent to which the insured might be directly damnified by loss, injury, or impairment thereof.  History: [41-1806, added 1961, ch. 330, sec. 398, p. 645.]
ID Code § 41-1807 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 18 - THE INSURANCE CONTRACT|Section 41-1807 - POWER TO CONTRACT — PURCHASE OF INSURANCE BY MINORS.

41-1807. POWER TO CONTRACT — PURCHASE OF INSURANCE BY MINORS. (1) Any person of competent legal capacity may contract for insurance. (2) Any minor not less than fifteen (15) years of age, notwithstanding his minority, may contract for annuities or for insurance upon his own life, body, health, property, liabilities or other interests, or on the person of another in whom the minor has an insurable interest. Such a minor shall, notwithstanding such minority, be deemed competent to exercise all rights and powers with respect to or under (a) any contract for annuity or for insurance upon his own life, body or health, or (b) any contract such minor effected upon his own property, liabilities or other interests, or on the person of another, as might be exercised by a person of full legal age, and may at any time surrender his interest in any such contracts and give valid discharge for any benefit accruing or money payable thereunder. Such a minor shall not, by reason of his minority, be entitled to rescind, avoid or repudiate the contract, nor to rescind, avoid or repudiate any exercise of a right or privilege thereunder, except that such a minor not otherwise emancipated, shall not be bound by any unperformed agreement to pay by promissory note or otherwise, any premium on any such annuity or insurance contract. (3) Any annuity contract or policy of life or disability insurance procured by or for a minor under subsection (2) above, shall be made payable either to the minor or his estate or to a person having an insurable interest in the life of the minor.  History: [41-1807, added 1961, ch. 330, sec. 399, p. 645; am. 1977, ch. 142, sec. 7, p. 309.]
ID Code § 41-1808 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 18 - THE INSURANCE CONTRACT|Section 41-1808 - APPLICATION REQUIRED — LIFE AND DISABILITY INSURANCE.

41-1808. APPLICATION REQUIRED — LIFE AND DISABILITY INSURANCE. No life or disability insurance contract upon an individual, except a contract of group life insurance or of group or blanket disability insurance, shall be made or effectuated unless at the time of the making of the contract the individual insured, being of competent legal capacity to contract, applies therefor or has consented thereto in writing, except in the following cases: (1) A spouse may effectuate such insurance upon the other spouse. (2) Any person having an insurable interest in the life of a minor, or any person upon whom a minor is dependent for support and maintenance, may effectuate insurance upon the life of or pertaining to such minor. (3) Family policies may be issued insuring any two (2) or more members of a family on an application signed by either parent, a stepparent, or by a husband or wife.  History: [41-1808, added 1961, ch. 330, sec. 400, p. 645.]
ID Code § 41-1809 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 18 - THE INSURANCE CONTRACT|Section 41-1809 - ALTERATION OF APPLICATION — LIFE AND DISABILITY INSURANCE.

41-1809. ALTERATION OF APPLICATION — LIFE AND DISABILITY INSURANCE. No alteration of any written application for any life or disability insurance policy shall be made by any person other than the applicant without his written consent, except that insertions may be made by the insurer, for administrative purposes only, in such manner as to indicate clearly that such insertions are not to be ascribed to the applicant.  History: [41-1809, added 1961, ch. 330, sec. 401, p. 645.]
ID Code § 41-1810 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 18 - THE INSURANCE CONTRACT|Section 41-1810 - APPLICATION AS EVIDENCE.

41-1810. APPLICATION AS EVIDENCE. (1) No application for the issuance of any life or disability insurance policy or annuity contract shall be admissible in evidence in any action relative to such policy or contract, unless a true copy of the application was attached to or otherwise made a part of the policy or contract when issued. This provision shall not apply to industrial life insurance policies. (2) If any policy of life or disability insurance delivered in this state is reinstated or renewed, and the insured or the beneficiary or assignee of the policy makes written request to the insurer for a copy of the application, if any, for such reinstatement or renewal, the insurer shall, within thirty (30) days after receipt of such request at its home office, deliver or mail to the person making such request a copy of such application reproduced by any legible means. If such copy is not so delivered or mailed after having been so requested, the insurer shall be precluded from introducing the application in evidence in any action or proceeding based upon or involving the policy or its reinstatement or renewal. In the case of such a request from a beneficiary, the time within which the insurer is required to furnish a copy of such application shall not begin to run until after receipt of evidence satisfactory to the insurer of the beneficiary’s vested interest in the policy or contract. (3) As to kinds of insurance other than life or disability insurance, no application for insurance signed by or on behalf of the insured shall be admissible in evidence in any action between the insured and the insurer arising out of the policy so applied for, if the insurer has failed, at expiration of thirty (30) days after receipt by the insurer of written demand therefor by or on behalf of the insured, to furnish to the insured a copy of such application reproduced by any legible means.  History: [41-1810, added 1961, ch. 330, sec. 402, p. 645.]
ID Code § 41-1811 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 18 - THE INSURANCE CONTRACT|Section 41-1811 - REPRESENTATIONS IN APPLICATIONS.

41-1811. REPRESENTATIONS IN APPLICATIONS. All statements and descriptions in any application for an insurance policy or annuity contract, or in negotiations therefor, by or in behalf of the insured or annuitant, shall be deemed to be representations and not warranties. Misrepresentations, omissions, concealment of facts, and incorrect statements shall not prevent a recovery under the policy or contract unless either: (a) Fraudulent; or (b) Material either to the acceptance of the risk, or to the hazard assumed by the insurer; or (c) The insurer in good faith would either not have issued the policy or contract, or would not have issued it at the same premium rate, or would not have issued a policy or contract in as large an amount, or would not have provided coverage with respect to the hazard resulting in the loss, if the true facts had been made known to the insurer as required either by the application for the policy or contract or otherwise.  History: [41-1811, added 1961, ch. 330, sec. 403, p. 645.]