reglab/housing_qa huggingface dataset:
NE Code § 44-1708 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-1708 - Policy form, certificates of insurance, notices, applications, endorsements, and riders; filing requirements; approval; exception.

44-1708.  Policy form, certificates of insurance, notices, applications, endorsements, and riders; filing requirements; approval; exception.(1) Except as otherwise provided by the director, all policies, certificates of insurance, notices of proposed insurance, applications for insurance, endorsements, and riders, to be delivered in this state, shall be filed with the director who shall acknowledge receipt of the filings and shall, within thirty days after the receipt of any such policies, certificates of insurance, notices of proposed insurance, applications for insurance, endorsements, and riders, disapprove any such form if the benefits provided therein are not reasonable in relation to the premium charge or if it contains provisions which are unjust, unfair, inequitable, misleading, or deceptive, encourage misrepresentation of the coverage, or are contrary to any provision of the statutes of the State of Nebraska or of any rule or regulation adopted and promulgated thereunder. The director shall have an additional thirty days to examine the proposed policies, certificates of insurance, notices of proposed insurance, applications for insurance, endorsements, and riders upon notifying the issuing company within the first thirty-day period that such additional time is needed.(2) If the director notifies the insurer that the form is disapproved, it shall be unlawful thereafter for such insurer to issue or use such form. In such notice, the director shall specify the reason for his or her disapproval and state that a hearing will be granted within twenty days after request in writing by the insurer. The request shall be received by the director not more than ten days after the date of the notice of disapproval. No such policy, certificate of insurance, notice of proposed insurance, application, endorsement, or rider shall be issued or used until the expiration of thirty days after it has been so filed or until the expiration of the additional thirty days provided in this section, unless the director shall give his or her prior written approval thereto.(3) The director may, at any time after a hearing held not less than twenty days after written notice to the insurer, withdraw his or her approval of any such form for any reason set forth in subsection (1) of this section. The written notice of such hearing shall state the reason for the proposed withdrawal.(4) It shall be unlawful for an insurer to issue or use such forms after the effective date of such withdrawal.Source   Laws 1959, c. 214, § 8, p. 740;   Laws 1989, LB 92, § 180.
NE Code § 44-1709 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-1709 - Schedule of premium rates; revision; filing requirements; refunds.

44-1709.  Schedule of premium rates; revision; filing requirements; refunds.(1) Each insurer issuing credit life insurance or credit accident and health insurance shall file with the director its schedule of premium rates for use in connection with such insurance. Any insurer may revise such schedules from time to time, and shall file such revised schedules with the director. No insurer shall issue any credit life insurance policy or credit accident and health insurance policy for which the premium rates exceed that determined by the schedules of such insurer as then on file with the director.(2) Each individual policy, group certificate or notice of proposed insurance shall provide that in the event of termination of the insurance prior to the scheduled maturity date of the indebtedness, any refund of an amount paid by the debtor for insurance shall be paid or credited promptly to the person entitled thereto; Provided, that the director shall permit a minimum refund and no refund which would be less than such minimum need be made. The formula to be used in computing such refund shall be filed with and approved by the director.(3) If a creditor required a debtor to make any payment for credit life insurance or credit accident and health insurance and an individual policy or group certificate of insurance is not issued, the creditor shall immediately give written notice to such debtor and shall promptly make an appropriate credit to the account.(4) The amount charged by the creditor to the debtor for credit life insurance or credit accident and health insurance shall not exceed the premium rate filed with the director for the coverage provided.(5) Nothing in sections 44-1701 to 44-1713 shall be construed to authorize any payments for insurance now prohibited under any statute, or rule thereunder, governing credit transactions.Source  Laws 1959, c. 214, § 9, p. 740.
NE Code § 44-1710 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-1710 - Delivery and issuance of policy; requirements.

44-1710.  Delivery and issuance of policy; requirements.All policies of credit life insurance and credit accident and health insurance shall be delivered or issued for delivery in this state only by an insurer authorized to do an insurance business therein, and shall be issued only through holders of licenses granted by the director.Source  Laws 1959, c. 214, § 10, p. 742.
NE Code § 44-1711 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-1711 - Claims; payment.

44-1711.  Claims; payment.(1) All claims shall be promptly reported to the insurer or its designated claim representative, and the insurer shall maintain adequate claim files. All claims shall be settled as soon as possible and in accordance with the terms of the insurance contract.(2) All claims shall be paid either by draft drawn upon the insurer or by check of the insurer to the order of the claimant to whom payment of the claim is due pursuant to the policy provisions, or upon direction of such claimant to one specified.(3) No plan or arrangement shall be used whereby any person, firm or corporation other than the insurer or its designated claim representative shall be authorized to settle or adjust claims. The creditor shall not be designated as claim representative for the insurer in adjusting claims; Provided, that a group policyholder may, by arrangement with the group insurer, draw drafts or checks in payment of claims due to the group policyholder subject to audit and review by the insurer.Source  Laws 1959, c. 214, § 11, p. 743.
NE Code § 44-1712 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-1712 - Additional security; insurance; existing policies; acceptance.

44-1712.  Additional security; insurance; existing policies; acceptance.When credit life insurance or credit accident and health insurance is required as additional security for any indebtedness, the debtor shall, upon request to the creditor, have the option of furnishing the required amount of insurance through existing policies of insurance owned or controlled by him or of procuring and furnishing the required coverage through any insurer authorized to transact an insurance business within this state.Source  Laws 1959, c. 214, § 12, p. 743.
NE Code § 44-1713 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-1713 - Violations; revocation or suspension; appeal.

44-1713.  Violations; revocation or suspension; appeal.Whenever the director finds, after due notice and hearing, that there has been a violation of any of the provisions of sections 44-1701 to 44-1713 or of any rules or regulations adopted and promulgated pursuant thereto, he or she may revoke or suspend the license or certificate of authority of the person or insurer guilty of such violation or make such other order or directive as he or she may deem adequate and appropriate to secure compliance with sections 44-1701 to 44-1713 or of any rules or regulations adopted and promulgated pursuant thereto. Any action taken by the director pursuant to the provisions of this section shall not preclude such criminal prosecutions as may be otherwise provided by law. An appeal from the decision of the director may be taken, and the appeal shall be in accordance with the Administrative Procedure Act.Source   Laws 1959, c. 214, § 13, p. 743;   Laws 1969, c. 359, § 31, p. 1281;   Laws 1988, LB 352, § 62.  Cross References  Administrative Procedure Act, see section 84-920.
NE Code § 44-1801 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-1801 - Purpose of sections.

44-1801.  Purpose of sections.(1) The purpose of sections 44-1801 to 44-1806 is to subject to the jurisdiction of the Director of Insurance and to the jurisdiction of the courts of this state insurers not authorized to transact business in this state which place in or send into this state any false advertising designed to induce residents of this state to purchase insurance from insurers not authorized to transact business in this state. The Legislature declares it is in the interest of the citizens of this state who purchase insurance from insurers which solicit insurance business in this state in the manner set forth in the preceding sentence that such insurers be subject to the provisions of sections 44-1801 to 44-1806. In furtherance of such state interest, the Legislature herein exercises its power to protect its residents and also exercises powers and privileges available to the state by virtue of Public Law 15, 79th Congress of the United States, Chapter 20, 1st Session, S. 340, which declares that the business of insurance and every person engaged therein shall be subject to the laws of the several states, the authority provided herein to be in addition to any existing powers of this state.(2) The provisions of sections 44-1801 to 44-1806 shall be liberally construed.Source   Laws 1965, c. 247, § 1, p. 698;   Laws 1983, LB 447, § 62.
NE Code § 44-1802 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-1802 - Terms, defined.

44-1802.  Terms, defined.For purposes of the Unauthorized Insurers False Advertising Process Act:(1) Director shall mean the Director of Insurance; and(2) Residents shall mean and include persons, partnerships, limited liability companies, or corporations, domestic, alien, or foreign.Source   Laws 1965, c. 247, § 2, p. 698;   Laws 1989, LB 6, § 9;   Laws 1993, LB 121, § 237.
NE Code § 44-1803 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-1803 - Unlawful advertising; director; notice to insurer.

44-1803.  Unlawful advertising; director; notice to insurer.No unauthorized foreign or alien insurer of the kind described in section 44-1801 shall make, issue, circulate, or cause to be made, issued, or circulated to residents of this state any estimate, illustration, circular, pamphlet, or letter or cause to be made in any newspaper, magazine, or other publication or over any radio or television station any announcement or statement to such residents misrepresenting its financial condition or the terms of any contracts issued or to be issued or the benefits or advantages promised thereby or the dividends or share of the surplus to be received thereon in violation of the Unfair Insurance Trade Practices Act. Whenever the director has reason to believe that any such insurer is engaging in such unlawful advertising, it shall be his or her duty to give notice of such fact by either registered or certified mail to such insurer and to the insurance supervisory official of the domiciliary state of such insurer. For the purpose of this section, the domiciliary state of an alien insurer shall be deemed to be the state of entry or the state of the principal office in the United States.Source   Laws 1965, c. 247, § 3, p. 699;   Laws 1989, LB 6, § 10;   Laws 1991, LB 234, § 27.  Cross References  Unfair Insurance Trade Practices Act, see section 44-1521.
NE Code § 44-1804 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-1804 - Failure to cease making misrepresentation; action by director.

44-1804.  Failure to cease making misrepresentation; action by director.If after thirty days following the giving of the notice mentioned in section 44-1803 such insurer has failed to cease making, issuing, or circulating such false misrepresentations or causing the same to be made, issued, or circulated in this state and if the director has reason to believe that a proceeding by him or her in respect to such matters would be to the interest of the public and that such insurer is issuing or delivering contracts of insurance to residents of this state or collecting premiums on such contracts or doing any of the acts enumerated in section 44-1805, he or she shall take action against such insurer under the Unfair Insurance Trade Practices Act.Source   Laws 1965, c. 247, § 4, p. 699;   Laws 1989, LB 6, § 11;   Laws 1991, LB 234, § 28.  Cross References  Unfair Insurance Trade Practices Act, see section 44-1521.
NE Code § 44-1805 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-1805 - Subject to personal jurisdiction.

44-1805.  Subject to personal jurisdiction.Any of the following acts in this state, effected by mail or otherwise, by any such unauthorized foreign or alien insurer: (1) The issuance or delivery of contracts of insurance to residents of this state; (2) the solicitation of applications for such contracts; (3) the collection of premiums, membership fees, assessments, or other considerations for such contracts; or (4) any other transaction of insurance business, shall constitute sufficient contact with the state for the exercise of personal jurisdiction over such insurer in any proceeding instituted in respect to the misrepresentation set forth in section 44-1803 under the Unfair Insurance Trade Practices Act or in any action, suit, or proceeding for the recovery of any penalty provided in the act.Source   Laws 1965, c. 247, § 5, p. 700;   Laws 1983, LB 447, § 63;   Laws 1989, LB 6, § 12;   Laws 1991, LB 234, § 29.  Cross References  Unfair Insurance Trade Practices Act, see section 44-1521.
NE Code § 44-1806 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-1806 - Act, how cited.

44-1806.  Act, how cited.Sections 44-1801 to 44-1806 shall be known and may be cited as the Unauthorized Insurers False Advertising Process Act.Source   Laws 1965, c. 247, § 7, p. 702;   Laws 1989, LB 92, § 181.
NE Code § 44-1901 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-1901 - Transferred to section 44-1928.

44-1901.  Transferred to section 44-1928.
NE Code § 44-1902 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-1902 - Transferred to section 44-1946.

44-1902.  Transferred to section 44-1946.
NE Code § 44-1905 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-1905 - Transferred to section 44-1947.

44-1905.  Transferred to section 44-1947.
NE Code § 44-1906 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-1906 - Transferred to section 44-1948.

44-1906.  Transferred to section 44-1948.
NE Code § 44-1907 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-1907 - Transferred to section 44-1950.

44-1907.  Transferred to section 44-1950.
NE Code § 44-1908 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-1908 - Transferred to section 44-1951.

44-1908.  Transferred to section 44-1951.
NE Code § 44-1909 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-1909 - Transferred to section 44-1958.

44-1909.  Transferred to section 44-1958.
NE Code § 44-1910 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-1910 - Transferred to section 44-1959.

44-1910.  Transferred to section 44-1959.
NE Code § 44-1911 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-1911 - Transferred to section 44-1960.

44-1911.  Transferred to section 44-1960.
NE Code § 44-1912 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-1912 - Transferred to section 44-1961.

44-1912.  Transferred to section 44-1961.
NE Code § 44-1913 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-1913 - Transferred to section 44-1962.

44-1913.  Transferred to section 44-1962.
NE Code § 44-1914 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-1914 - Transferred to section 44-1963.

44-1914.  Transferred to section 44-1963.
NE Code § 44-1915 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-1915 - Transferred to section 44-1976.

44-1915.  Transferred to section 44-1976.
NE Code § 44-1916 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-1916 - Transferred to section 44-1977.

44-1916.  Transferred to section 44-1977.
NE Code § 44-1917 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-1917 - Transferred to section 44-1927.

44-1917.  Transferred to section 44-1927.
NE Code § 44-1919 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-1919 - Transferred to section 44-1952.

44-1919.  Transferred to section 44-1952.
NE Code § 44-1922 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-1922 - Transferred to section 44-1953.

44-1922.  Transferred to section 44-1953.
NE Code § 44-1923 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-1923 - Transferred to section 44-1954.

44-1923.  Transferred to section 44-1954.
NE Code § 44-1924 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-1924 - Transferred to section 44-1955.

44-1924.  Transferred to section 44-1955.
NE Code § 44-1925 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-1925 - Transferred to section 44-1956.

44-1925.  Transferred to section 44-1956.
NE Code § 44-1926 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-1926 - Transferred to section 44-1957.

44-1926.  Transferred to section 44-1957.
NE Code § 44-1978 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-1978 - Act, how cited.

44-1978.  Act, how cited.Sections 44-1978 to 44-19,105 shall be known and may be cited as the Title Insurers Act.Source  Laws 1997, LB 53, § 1.
NE Code § 44-1979 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-1979 - Purpose of act.

44-1979.  Purpose of act.The purpose of the Title Insurers Act is to provide for the effective regulation and supervision of title insurance and title insurers authorized to issue title insurance policies or otherwise transact the business of title insurance in this state.Source  Laws 1997, LB 53, § 2.
NE Code § 44-1980 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-1980 - Applicability of act and laws.

44-1980.  Applicability of act and laws.The Title Insurers Act shall apply to all persons engaged in the business of title insurance in this state.Except as otherwise expressly provided in the act and except when the context otherwise requires, all provisions of the laws of this state applying to insurance and insurers generally shall apply to title insurance and title insurers.Source  Laws 1997, LB 53, § 3.
NE Code § 44-1982 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-1982 - Transaction of title insurance business; requirements.

44-1982.  Transaction of title insurance business; requirements.No person other than a domestic, foreign, or non-United-States title insurer organized on the stock plan and authorized under section 44-202 as a title insurer shall issue a title insurance policy or otherwise transact the business of title insurance in this state.Source  Laws 1997, LB 53, § 5.
NE Code § 44-1983 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-1983 - Authorized activities of title insurers.

44-1983.  Authorized activities of title insurers.Subject to the exceptions and restrictions contained in the Title Insurers Act, a title insurer shall have the power to:(1) Transact only title insurance business; and(2) Reinsure title insurance policies.Source  Laws 1997, LB 53, § 6.
NE Code § 44-1984 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-1984 - Limitations on powers.

44-1984.  Limitations on powers.(1) No insurer that transacts any line of business other than title insurance shall be eligible for the issuance or renewal of a certificate of authority to transact the business of title insurance in this state nor shall title insurance be transacted, underwritten, or issued by any insurer transacting or authorized to transact any other line of business.(2)(a) Notwithstanding subsection (1) of this section, and to the extent such coverage is lawful within this state, a title insurer shall issue closing or settlement protection covering a proposed insured if the title insurer or its title insurance agent engages in any escrow, settlement, or closing services relating to the issuance of a title insurance commitment or title insurance policy to a proposed insured. Such closing or settlement protection shall conform to the terms of coverage and form of instrument as required by the director and shall indemnify a proposed insured solely against loss of settlement funds only because of the following acts of a title insurer's named title insurance agent:(i) Theft of settlement funds; and(ii) Failure to comply with written closing instructions by the proposed insured when agreed to by the title insurance agent relating to title insurance coverage.(b) The director may prescribe or approve a required charge for providing the coverage.(c) A title insurer shall not provide any other coverage which purports to indemnify against improper acts or omissions of a person with regard to escrow, settlement, or closing services.Source   Laws 1997, LB 53, § 7;  Laws 2002, LB 1139, § 20;  Laws 2004, LB 155, § 1;  Laws 2019, LB221, § 1.
NE Code § 44-1985 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-1985 - Minimum capital and surplus requirements.

44-1985.  Minimum capital and surplus requirements.Before being authorized to transact the business of title insurance in this state, a title insurer shall establish and maintain a minimum paid-in capital of not less than one million dollars and, in addition, paid-in initial surplus of at least one million dollars.Source  Laws 1997, LB 53, § 8.
NE Code § 44-1986 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-1986 - Single risk limit.

44-1986.  Single risk limit.(1) The net retained liability of a title insurer for a single risk in regard to property, whether assumed directly or as reinsurance, shall not exceed the aggregate of fifty percent of surplus as regards policyholders plus the statutory premium reserve less the title insurer's investment in title plants, all as shown on the most recent annual statement of the title insurer on file with the director.(2) For purposes of the Title Insurers Act:(a) A single risk shall be the insured amount of any title insurance policy, except that when two or more title insurance policies are issued simultaneously covering different estates in the same real property, a single risk shall be the sum of the insured amounts of all the title insurance policies; and(b) A title insurance policy under which a claim payment reduces the amount of title insurance under one or more other title insurance policies shall be included in computing the single risk sum only to the extent that its amount exceeds the aggregate amount of the title insurance policy or policies whose amount of title insurance is reduced.Source  Laws 1997, LB 53, § 9.
NE Code § 44-1987 (2021)
2021 Nebraska Revised Statutes|Chapter 44 - Insurance|44-1987 - Admitted asset standards.

44-1987.  Admitted asset standards.In determining the financial condition of a title insurer transacting the business of title insurance under the Title Insurers Act, the general investment provisions of the Insurers Investment Act shall apply, except that an investment in a title plant or title plants in an amount equal to the actual cost shall be allowed as an admitted asset for title insurers. The aggregate amount of the investment shall not exceed the lesser of twenty percent of admitted assets or forty percent of surplus to policyholders, as shown on the most recent annual statement of the title insurer on file with the director.Source  Laws 1997, LB 53, § 10. Cross References  Insurers Investment Act, see section 44-5101.