reglab/housing_qa huggingface dataset:
MD. Insurance Code Ann. §  27-610 (2021)
2021 Maryland Statutes|Insurance|Title 27 - Unfair Trade Practices and Other Prohibited Practices|Subtitle 6 - Cancellations, Nonrenewals, Premium Increases, and Reductions in Coverage|Section 27-610 - Notice of Renewal Premium Due

    (a)    (1)    This section applies only to policies of personal insurance and private passenger motor vehicle liability insurance policies subject to § 27–613 of this subtitle.        (2)    Unless an insurer has provided notice of its intention not to renew a policy in compliance with this subtitle, the insurer must provide each policyholder with notice of renewal premium due at least 45 days before the due date.        (3)    If a policyholder is being transferred between admitted insurers within the same insurance holding company system, as defined in § 7–101 of this article, the notice required under paragraph (2) of this subsection shall include disclosure of the transfer.        (4)    A licensed insurance producer may provide notice under paragraph (2) of this subsection on behalf of the insurer.        (5)    The duty to provide notice under paragraph (2) of this subsection is deemed discharged if:            (i)    the insurer shows that its established procedures would have resulted in placing the notice of renewal premium due in the United States mail; and            (ii)    there is no showing that in fact the notice was not placed in the mail.    (b)    If an insurer fails to provide notice of renewal premium due under subsection (a) of this section, and subsequently the policyholder fails to make timely payment of the renewal premium, the insurer must:        (1)    provide coverage for each claim that:            (i)    would have been covered under the policy; and            (ii)    arises within 45 days after the date the insured discovers or should have discovered that the policy was not renewed; and        (2)    renew the policy on tender of payment within 30 days after the policyholder discovers or should have discovered that the policy was not renewed.
MD. Insurance Code Ann. §  27-611 (2021)
2021 Maryland Statutes|Insurance|Title 27 - Unfair Trade Practices and Other Prohibited Practices|Subtitle 6 - Cancellations, Nonrenewals, Premium Increases, and Reductions in Coverage|Section 27-611 - Notice of Effect of Failure to Renew or Replace Motor Vehicle Insurance

    Before the actual expiration of a policy of motor vehicle insurance that results from nonpayment of a renewal premium, the insurer shall provide notice to the insured in clear and specific terms that if the insured fails to renew or replace the motor vehicle insurance before the due date, § 17-106 of the Transportation Article provides that uninsured motorist penalties be assessed and that evidences of registration be surrendered to the Motor Vehicle Administration and that failure to surrender the evidences of registration may result in suspension of current and future registration privileges.
MD. Insurance Code Ann. §  27-612 (2021)
2021 Maryland Statutes|Insurance|Title 27 - Unfair Trade Practices and Other Prohibited Practices|Subtitle 6 - Cancellations, Nonrenewals, Premium Increases, and Reductions in Coverage|Section 27-612 - Liability of Insurer for Coverage

    (a)    (1)    If an insurer fails to comply with any provision of § 27-602, § 27-603, § 27-604, § 27-605, § 27-606, § 27-607, § 27-608, § 27-610, or § 27-613 of this subtitle, the insurer is liable to the applicant for the coverage that was requested, or that would have become effective except for the failure to comply with these provisions, unless the person seeking coverage:            (i)    no longer wishes the coverage;            (ii)    has obtained other substantially equivalent coverage; or            (iii)    fails to tender or pay the premium after reasonable demand for the premium has been made.        (2)    The liability of an insurer under paragraph (1) of this subsection is in addition to any other penalties applicable by law.    (b)    Liability for coverage does not apply to failure to comply with § 27-611 of this subtitle, as it relates to motor vehicle liability insurance.
MD. Insurance Code Ann. §  27-701 (2021)
2021 Maryland Statutes|Insurance|Title 27 - Unfair Trade Practices and Other Prohibited Practices|Subtitle 7 - Unauthorized Insurers False Advertising Process Act|Section 27-701 - "Resident" Defined

    In this subtitle, “resident” includes a domestic, alien, or foreign person, partnership, or corporation.
MD. Insurance Code Ann. §  27-702 (2021)
2021 Maryland Statutes|Insurance|Title 27 - Unfair Trade Practices and Other Prohibited Practices|Subtitle 7 - Unauthorized Insurers False Advertising Process Act|Section 27-702 - Purpose of Subtitle; Additional Power; Liberal Construction

    (a)    (1)    The General Assembly declares that it is in the interest of citizens of the State who buy insurance from unauthorized insurers that solicit business in the State by placing in or sending into the State false advertising designed to induce residents of the State to buy insurance from them, that those unauthorized insurers be subject to this subtitle.        (2)    The purpose of this subtitle is to subject to the jurisdiction of the Commissioner and the courts of the State those unauthorized insurers described in paragraph (1) of this subsection.        (3)    In furtherance of this State interest, the General Assembly provides a method of substituted service of process on those unauthorized insurers described in paragraph (1) of this subsection.        (4)    The General Assembly declares that by enacting this subtitle, the General Assembly is exercising:            (i)    its power to protect the residents of the State; and            (ii)    its powers and privileges under the McCarran-Ferguson Act, 15 U.S.C. §§ 1011 through 1015.    (b)    The authority provided in this subtitle is in addition to any other powers of the State.    (c)    This subtitle shall be construed liberally.
MD. Insurance Code Ann. §  27-703 (2021)
2021 Maryland Statutes|Insurance|Title 27 - Unfair Trade Practices and Other Prohibited Practices|Subtitle 7 - Unauthorized Insurers False Advertising Process Act|Section 27-703 - Misrepresentation by Unauthorized Insurer Prohibited

    An unauthorized foreign insurer or unauthorized alien insurer may not make, issue, circulate, or cause to be made, issued, or circulated to residents of the State an estimate, illustration, circular, pamphlet, or letter, or cause to be made in a newspaper, magazine, or other publication or over a radio or television station an announcement or statement to residents that misrepresents the insurer’s financial condition, the terms of or benefits or advantages promised by insurance contracts issued or to be issued, or the dividends or share of the surplus to be received on the insurance contracts in violation of this title.
MD. Insurance Code Ann. §  27-704 (2021)
2021 Maryland Statutes|Insurance|Title 27 - Unfair Trade Practices and Other Prohibited Practices|Subtitle 7 - Unauthorized Insurers False Advertising Process Act|Section 27-704 - Action by Commissioner

    (a)    (1)    If the Commissioner has reason to believe that an unauthorized foreign insurer or unauthorized alien insurer is engaging in unlawful advertising in violation of § 27-703 of this subtitle, the Commissioner shall give notice of the violation by certified mail to the insurer and the insurance supervisory official of the domiciliary state of the insurer.        (2)    For purposes of this section, the domiciliary state of an alien insurer is deemed to be the state of entry or the state of the principal office of the alien insurer in the United States.    (b)    If, after 30 days after the Commissioner gives notice under subsection (a) of this section, the insurer continues to violate § 27-703 of this subtitle, the Commissioner shall take action against the insurer under this title if the Commissioner believes that:        (1)    a proceeding by the Commissioner with respect to a violation of § 27-703 of this subtitle would be in the public interest; and        (2)    the insurer is:            (i)    issuing or delivering insurance contracts to residents of the State;            (ii)    collecting premiums on the insurance contracts; or            (iii)    doing any of the acts listed in § 27-705 of this subtitle.
MD. Insurance Code Ann. §  27-706 (2021)
2021 Maryland Statutes|Insurance|Title 27 - Unfair Trade Practices and Other Prohibited Practices|Subtitle 7 - Unauthorized Insurers False Advertising Process Act|Section 27-706 - Short Title

    This subtitle is the Unauthorized Insurers False Advertising Process Act.
MD. Insurance Code Ann. §  27-801 (2021)
2021 Maryland Statutes|Insurance|Title 27 - Unfair Trade Practices and Other Prohibited Practices|Subtitle 8 - Reporting and Preventing Insurance Fraud|Section 27-801 - Definitions

    (a)    In this subtitle the following words have the meanings indicated.    (b)    “Fraud Division” means the Insurance Fraud Division in the Administration.    (c)    “Insurance fraud” means:        (1)    a violation of Subtitle 4 of this title;        (2)    theft, as set out in §§ 7–101 through 7–104 of the Criminal Law Article:            (i)    from a person regulated under this article; or            (ii)    by a person regulated under this article or an officer, director, agent, or employee of a person regulated under this article;        (3)    a violation of § 9–1106 of the Labor and Employment Article; or        (4)    any other fraudulent activity that is committed by or against a person regulated under this article and is a violation of:            (i)    Title 1, Subtitle 3 of the Agriculture Article;            (ii)    Title 19, Subtitle 2 or Subtitle 3 of the Business Regulation Article;            (iii)    Title 14, Subtitle 29, § 11–810 or § 14–1317 of the Commercial Law Article;            (iv)    the Criminal Law Article other than Title 8, Subtitle 2, Part II or § 10–614;            (v)    Title 12, Subtitle 9 of the Financial Institutions Article;            (vi)    § 14–127 of the Real Property Article;            (vii)    § 6–301 of the Alcoholic Beverages Article;            (viii)    § 109 of the Code of Public Local Laws of Caroline County;            (ix)    § 4–103 of the Code of Public Local Laws of Carroll County; or            (x)    § 8A–1 of the Code of Public Local Laws of Talbot County.
MD. Insurance Code Ann. §  27-804 (2021)
2021 Maryland Statutes|Insurance|Title 27 - Unfair Trade Practices and Other Prohibited Practices|Subtitle 8 - Reporting and Preventing Insurance Fraud|Section 27-804 - Antifraud Plans for Viatical Settlement Providers

    (a)    Each viatical settlement provider shall have in place an antifraud plan reasonably calculated to detect, prosecute, and prevent fraudulent viatical settlement acts.    (b)    Within 30 days after instituting or modifying an antifraud plan, the viatical settlement provider shall notify the Commissioner in writing.    (c)    Each antifraud plan shall include:        (1)    the use of fraud investigators;        (2)    a description of the procedures for detecting and investigating possible fraudulent viatical settlement acts and procedures for resolving material inconsistencies between medical records and insurance applications;        (3)    a description of the procedures for reporting possible fraudulent viatical settlement acts to the Commissioner;        (4)    a description of the plan for antifraud education and training of underwriters, and other personnel; and        (5)    a description or chart outlining the organizational arrangement of the antifraud personnel who are responsible for the investigation and reporting of possible fraudulent viatical settlement acts and investigating unresolved material inconsistencies between medical records and insurance applications.    (d)    An antifraud plan submitted to the Commissioner shall be privileged and confidential and shall not be a public record and shall not be subject to discovery or subpoena in a civil or criminal action.    (e)    (1)    Each viatical settlement provider shall file its antifraud plan with the Commissioner.        (2)    The Commissioner may review each antifraud plan to determine whether it complies with the requirements of this section.        (3)    An antifraud plan is deemed approved unless disapproved by the Commissioner within 30 days after the date of filing.    (f)    (1)    If the Commissioner finds that an antifraud plan does not comply with the requirements of this section, the Commissioner shall disapprove the antifraud plan and send a notice of disapproval, including the reasons for disapproval, to the viatical settlement provider.        (2)    If the Commissioner disapproves an antifraud plan, the viatical settlement provider shall submit a new antifraud plan to the Commissioner within 60 days after the date of disapproval.    (g)    It is a violation of this subtitle if the Commissioner finds that a viatical settlement provider has failed to:        (1)    file an antifraud plan;        (2)    file a revised antifraud plan after disapproval by the Commissioner of the initial antifraud plan; or        (3)    comply with the antifraud plan filed by the viatical settlement provider.
MD. Insurance Code Ann. §  27-805 (2021)
2021 Maryland Statutes|Insurance|Title 27 - Unfair Trade Practices and Other Prohibited Practices|Subtitle 8 - Reporting and Preventing Insurance Fraud|Section 27-805 - Required Disclosure Statements

    (a)    In this section, “claim form” means any document supplied by an insurer to a claimant that a claimant is required to complete and submit in support of a claim for benefits.    (b)    (1)    Except as provided in subsection (c) of this section, all applications for insurance and all claim forms, regardless of the form of transmission, shall contain the following statement or a substantially similar statement:    “Any person who knowingly or willfully presents a false or fraudulent claim for payment of a loss or benefit or who knowingly or willfully presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison.”         (2)    The lack of the statement required by paragraph (1) of this subsection does not constitute a defense in any legal proceeding.    (c)    Subsection (b)(1) of this section does not apply to:        (1)    reinsurance applications or claim forms; or        (2)    the uniform claims form for reimbursement of hospital services or the uniform claims form for reimbursement of health care practitioners services adopted by the Commissioner under § 15–1003 of this article.
MD. Insurance Code Ann. §  27-806 (2021)
2021 Maryland Statutes|Insurance|Title 27 - Unfair Trade Practices and Other Prohibited Practices|Subtitle 8 - Reporting and Preventing Insurance Fraud|Section 27-806 - Penalty

    The penalty for a violation of this subtitle is as provided in §§ 4–113 and 4–114 of this article.
MD. Insurance Code Ann. §  27-901 (2021)
2021 Maryland Statutes|Insurance|Title 27 - Unfair Trade Practices and Other Prohibited Practices|Subtitle 9 - Miscellaneous Provisions|Section 27-901 - Credit Life or Disability Insurance Premiums

    (a)    (1)    In this section the following words have the meanings indicated.        (2)    “Credit life or disability insurance” means a type of insurance that will pay all or part of an individual’s debt on the death or disability of the individual.        (3)    “Finance charge” has the meaning stated in § 12-501 of the Commercial Law Article.        (4)    “Retail credit account” has the meaning stated in § 12-501 of the Commercial Law Article.    (b)    A person may not make, issue, charge, or cause to be made, issued, or charged to an individual any type of premium for credit life or disability insurance without the express written consent of the individual.    (c)    The computation of a finance charge in a retail credit account may not be based in any part on the premiums due under a policy of credit life or disability insurance.
MD. Insurance Code Ann. §  27-902 (2021)
2021 Maryland Statutes|Insurance|Title 27 - Unfair Trade Practices and Other Prohibited Practices|Subtitle 9 - Miscellaneous Provisions|Section 27-902 - Motor Vehicle Insurance -- Effect of Age or Physical Handicap or Disability

    (a)    A policy or contract of motor vehicle insurance may not be canceled or nonrenewed solely because of:        (1)    the age of the holder of the policy or contract; or        (2)    the physical handicap or disability of the holder of the policy or contract.    (b)    The premium for a policy or contract of motor vehicle insurance may not be increased solely because:        (1)    an insured under the policy or contract is older than 65 years of age; or        (2)    the holder of the policy or contract has a physical handicap or disability, unless there is actuarial justification for the increase.
MD. Insurance Code Ann. §  27-903 (2021)
2021 Maryland Statutes|Insurance|Title 27 - Unfair Trade Practices and Other Prohibited Practices|Subtitle 9 - Miscellaneous Provisions|Section 27-903 - Premium Notice to Indicate Kind of Coverage

    An insurer that submits to its policyholder a notice of initial or renewal premium due shall indicate the kind of insurance coverage for which the policyholder is being charged.
MD. Insurance Code Ann. §  27-904 (2021)
2021 Maryland Statutes|Insurance|Title 27 - Unfair Trade Practices and Other Prohibited Practices|Subtitle 9 - Miscellaneous Provisions|Section 27-904 - Annuity Contracts -- Increased Social Security Payments

    An annuity contract may not contain a provision that reduces payments to an individual entitled to receive annuity payments under the contract because the individual receives an increase in Social Security payments.
MD. Insurance Code Ann. §  27-905 (2021)
2021 Maryland Statutes|Insurance|Title 27 - Unfair Trade Practices and Other Prohibited Practices|Subtitle 9 - Miscellaneous Provisions|Section 27-905 - Motor Vehicle Liability Insurance -- Billing Statements

    (a)    An insurer may not send a billing statement to a policyholder under a policy or contract of motor vehicle liability insurance unless the billing statement includes a date by which any payment due under the billing statement must be received by the insurer for the insurance coverage to continue without penalty.    (b)    An insurer may not use false or misleading language in a billing statement to induce the policyholder to pay a premium before it is required by the insurer.
MD. Insurance Code Ann. §  27-906 (2021)
2021 Maryland Statutes|Insurance|Title 27 - Unfair Trade Practices and Other Prohibited Practices|Subtitle 9 - Miscellaneous Provisions|Section 27-906 - Motor Vehicle Liability Insurance -- Warranty for Aftermarket Crash Parts

    An insurer that issues or delivers in the State a policy of motor vehicle liability insurance that provides coverage for the repair of physical damage to the motor vehicle shall provide, on request of the insured, a copy of the warranty for aftermarket crash parts, if available.
MD. Insurance Code Ann. §  27-907 (2021)
2021 Maryland Statutes|Insurance|Title 27 - Unfair Trade Practices and Other Prohibited Practices|Subtitle 9 - Miscellaneous Provisions|Section 27-907 - Private Passenger Motor Vehicle Insurance -- Discount in Rate

    An insurer that issues or renews a private passenger motor vehicle insurance policy in the State shall give an actuarially justified discount in rate to each individual who has completed the immediately preceding 3 years of continuous coverage with that insurer without a moving traffic violation, with not more than one point, and with no chargeable traffic accident.
MD. Insurance Code Ann. §  27-910 (2021)
2021 Maryland Statutes|Insurance|Title 27 - Unfair Trade Practices and Other Prohibited Practices|Subtitle 9 - Miscellaneous Provisions|Section 27-910 - Discrimination by Health Network

    (a)    (1)    In this section the following words have the meanings indicated.        (2)    “Enrollee” means an individual or member of an association or other private group arrangement entitled to health care services from a health network.        (3)    “Health care service” has the meaning stated in § 19-701 of the Health - General Article.        (4)    “Health network” means an entity that:            (i)    holds a certificate of authority under this article or Title 19, Subtitle 7 of the Health - General Article; and            (ii)    is organized to provide health care services to individuals or an enrolled population in a regional or service area.    (b)    A health network may not deny health care services to an enrollee on the basis of gender, race, age, religion, national origin, or a protected category under the Americans with Disabilities Act.
MD. Insurance Code Ann. §  27-911 (2021)
2021 Maryland Statutes|Insurance|Title 27 - Unfair Trade Practices and Other Prohibited Practices|Subtitle 9 - Miscellaneous Provisions|Section 27-911 - Change of Insurance Producer of Record

    (a)    Each authorized insurer doing business in the State shall accept and honor each request by a policyholder for a change of insurance producer of record within 30 working days after receipt of the request unless the policyholder withdraws the request in writing.    (b)    The new insurance producer of record must have a current appointment and contract with the authorized insurer before the change of insurance producer of record will be effective.    (c)    (1)    Subject to the provisions of paragraph (2) of this subsection, the new insurance producer of record shall be paid all commissions payable on the policy effective not later than the next anniversary date of the policy following the effective date of change.        (2)    The commissions payable under paragraph (1) of this subsection do not include:            (i)    vested life insurance commissions;            (ii)    supplemental health insurance commissions; or            (iii)    commissions or other compensation payable under an insurer’s retirement or deferred compensation plan with the insurance producer.    (d)    A request for a change of insurance producer of record shall:        (1)    be in writing; and        (2)    include:            (i)    the policyholder’s name and address;            (ii)    the authorized insurer’s name and address;            (iii)    the policy number;            (iv)    the name and address of the new insurance producer of record;            (v)    the date of the request;            (vi)    the signature of the policyholder; and            (vii)    the signature of acceptance by the new insurance producer.    (e)    This section does not require an authorized insurer to:        (1)    appoint and contract with an insurance producer of record;        (2)    alter an insurer’s existing contract with an insurance producer which provides for direct compensation in lieu of commission; and        (3)    require the payment of full commissions to a new insurance producer where the original writing insurance producer or current insurance producer continues to have responsibility for processing and matters relating to the policyholder.
MD. Insurance Code Ann. §  27-912 (2021)
2021 Maryland Statutes|Insurance|Title 27 - Unfair Trade Practices and Other Prohibited Practices|Subtitle 9 - Miscellaneous Provisions|Section 27-912 - Transfer of Policies

    An insurer that accepts a transfer of the insurance business of a group of policyholders from an independent insurance producer may treat the policies transferred as renewals and not as new policies for underwriting purposes.