reglab/housing_qa huggingface dataset:
TN Code § 56-6-1302 (2021)
2021 Tennessee Code|Title 56 - Insurance|Chapter 6 - Agents, Solicitors and Administrators|Part 13 - Navigators for Health Care Exchanges|§ 56-6-1302. Prohibition Against Navigator Selling, Soliciting or Negotiating Policy of Insurance

 No navigator shall sell, solicit or negotiate any policy of insurance, either within or outside of an exchange.
TN Code § 56-6-1303 (2021)
2021 Tennessee Code|Title 56 - Insurance|Chapter 6 - Agents, Solicitors and Administrators|Part 13 - Navigators for Health Care Exchanges|§ 56-6-1303. Commissioner’s Authority to Issue Cease and Desist Order or to Seek Injunction Against Navigator

 The commissioner may:   Issue a cease and desist order to a navigator for violating state or federal law pertaining to an exchange; and   Seek injunctive relief against a navigator acting in violation of state or federal law pertaining to an exchange.
TN Code § 56-6-1304 (2021)
2021 Tennessee Code|Title 56 - Insurance|Chapter 6 - Agents, Solicitors and Administrators|Part 13 - Navigators for Health Care Exchanges|§ 56-6-1304. Rules and Regulations

 The commissioner may promulgate such rules and regulations as may be necessary or appropriate to regulate the activities of navigators as may be consistent with the Patient Protection and Affordable Care Act (42 U.S.C. § 18011 et seq.).
TN Code § 56-6-1305 (2021)
2021 Tennessee Code|Title 56 - Insurance|Chapter 6 - Agents, Solicitors and Administrators|Part 13 - Navigators for Health Care Exchanges|§ 56-6-1305. Severability

 If any provision of this part or the application thereof to any person or circumstance is held invalid, such invalidity shall not affect other provisions or applications of the part which can be given effect without the invalid provision or application, and to that end the provisions of this part are declared to be severable.
TN Code § 56-6-1401 (2021)
2021 Tennessee Code|Title 56 - Insurance|Chapter 6 - Agents, Solicitors and Administrators|Part 14 - Travel Insurance Producer Limited License Act|§ 56-6-1401. Short Title

 This part shall be known and may be cited as the “Travel Insurance Producer Limited License Act.”
TN Code § 56-6-1402 (2021)
2021 Tennessee Code|Title 56 - Insurance|Chapter 6 - Agents, Solicitors and Administrators|Part 14 - Travel Insurance Producer Limited License Act|§ 56-6-1402. Part Definitions

 As used in this part:   “Commissioner” means the commissioner of commerce and insurance;   “Designated responsible producer” or “DRP” means a person designated by a travel insurance supervising entity pursuant to § 56-6-1403(a)(2)(C);   “Insurer” has the same meaning as defined in § 56-6-102;   “Limited lines travel insurance producer” means an individual or business entity that has met the requirements of § 56-6-110 and may also be approved as a travel insurance supervising entity;   “Offer and disseminate” means providing general information, including a description of the coverage and price, as well as processing the application, collecting premiums, and performing other lawful nonlicensable activities;   “Travel insurance”:  Means insurance coverage for personal risks incident to planned travel, including, but not limited to:   Interruption or cancellation of a trip or event;   Loss of baggage or personal effects;   Damages to accommodations or rental vehicles; or   Sickness, accident, disability, or death occurring during travel; and     Does not include major medical plans that provide comprehensive medical protection for travelers with trips lasting six (6) months or longer, including those working overseas as expatriates or deployed military personnel;     “Travel insurance supervising entity” means an individual or business entity that receives a license pursuant to § 56-6-1403(a)(2) and is a:  Licensed managing general agent, as defined in § 56-6-502; or   Licensed insurance producer, including a limited lines producer; and     “Travel retailer” means a business entity that makes, arranges, or offers travel services and may offer and disseminate travel insurance as a service to its customers on behalf of and under the direction of a travel insurance supervising entity.
TN Code § 56-6-1404 (2021)
2021 Tennessee Code|Title 56 - Insurance|Chapter 6 - Agents, Solicitors and Administrators|Part 14 - Travel Insurance Producer Limited License Act|§ 56-6-1404. Registered Travel Retailer Authorized to Offer and Disseminate Travel Insurance on Behalf of Travel Insurance Supervising Entity

 Notwithstanding any other law, a travel retailer whose insurance-related activities, and those of its employees and authorized representatives, are limited to offering and disseminating travel insurance on behalf of and under the direction of a travel insurance supervising entity meeting the conditions stated in this part, is authorized to do so and receive related compensation for such services, upon registration by the travel insurance supervising entity pursuant to § 56-6-1403(a)(2)(B).
TN Code § 56-6-1405 (2021)
2021 Tennessee Code|Title 56 - Insurance|Chapter 6 - Agents, Solicitors and Administrators|Part 14 - Travel Insurance Producer Limited License Act|§ 56-6-1405. Travel Insurance Authorized as Individual Policy or Under Group or Master Policy

 Travel insurance may be provided under an individual policy or under a group or master policy.
TN Code § 56-6-1406 (2021)
2021 Tennessee Code|Title 56 - Insurance|Chapter 6 - Agents, Solicitors and Administrators|Part 14 - Travel Insurance Producer Limited License Act|§ 56-6-1406. Responsibility of Travel Insurance Supervising Entity

 As the insurer designee, the travel insurance supervising entity is responsible for the acts of the travel retailer and shall use reasonable means to ensure compliance by the travel retailer with this part.
TN Code § 56-6-1407 (2021)
2021 Tennessee Code|Title 56 - Insurance|Chapter 6 - Agents, Solicitors and Administrators|Part 14 - Travel Insurance Producer Limited License Act|§ 56-6-1407. Actions by Commissioner for Violation of Part

  The commissioner may take any action or combination of actions authorized pursuant to § 56-2-305 or § 56-6-112 against any limited lines travel insurance producer, travel insurance supervising entity, or travel retailer licensed or approved pursuant to this part.   If the commissioner determines that a travel retailer or a travel retailer's employee has violated this part or any other provision of this title, the commissioner may:  Direct the travel insurance supervising entity to implement a corrective action plan with the travel retailer; or   Direct the travel insurance supervising entity to revoke the authorization of the travel retailer to transact travel insurance on its behalf and under its license and to remove the travel retailer's name from its register.     If the commissioner determines that a travel retailer or a travel retailer's employee has violated this part or any other provision of this title, the commissioner, after notice and hearing, may take any actions authorized pursuant to § 56-2-305 or § 56-6-112.
TN Code § 56-7-102 (2021)
2021 Tennessee Code|Title 56 - Insurance|Chapter 7 - Policies and Policyholders|Part 1 - General Provisions|§ 56-7-102. Policies to Contain Entire Contract — Exceptions — Construed as Tennessee Contracts — Rules of Construction — Duty to Defend — Determination of Obligations

  Every policy of insurance, issued to or for the benefit of any citizen or resident of this state on or after July 1, 1907, by any insurance company or association doing business in this state, except fraternal beneficiary associations and mutual insurance companies or associations operating on the assessment plan, or policies of industrial insurance, shall contain the entire contract of insurance between the parties to the contract, and every contract so issued shall be held as made in this state and construed solely according to the laws of this state.   A policy of insurance is a contract and the rules of construction used to interpret a policy of insurance are the same as any other contract.   A policy of insurance must be interpreted fairly and reasonably, giving the language of the policy of insurance its ordinary meaning.   A policy of insurance must be construed reasonably and logically as a whole.   An insurance company's duty to defend depends solely on the allegations contained in the underlying complaint describing acts or events covered by the policy of insurance. This subsection (e) does not impose a duty to defend on an insurance company that has no duty to defend pursuant to this title or that has an express exclusion of the duty to defend in the policy of insurance.   An insurance company may determine its obligations under a policy of insurance as to any and all parties or claimants through a declaratory judgment action, an interpleader claim or action, or both. The filing of such action or claim creates a rebuttable presumption the insurance company is acting in good faith when making a determination of its obligations under a policy of insurance.
TN Code § 56-7-103 (2021)
2021 Tennessee Code|Title 56 - Insurance|Chapter 7 - Policies and Policyholders|Part 1 - General Provisions|§ 56-7-103. Misrepresentation or Warranty Will Not Void Policy — Exceptions

 No written or oral misrepresentation or warranty made in the negotiations of a contract or policy of insurance, or in the application for contract or policy of insurance, by the insured or in the insured's behalf, shall be deemed material or defeat or void the policy or prevent its attaching, unless the misrepresentation or warranty is made with actual intent to deceive, or unless the matter represented increases the risk of loss.
TN Code § 56-7-104 (2021)
2021 Tennessee Code|Title 56 - Insurance|Chapter 7 - Policies and Policyholders|Part 1 - General Provisions|§ 56-7-104. Hostilities Shall Not Invalidate Policy

 No policy of insurance issued to a citizen of this state by an authorized company organized under the laws of a foreign country shall be invalidated by the occurrence of hostilities between the foreign country and the United States.
TN Code § 56-7-105 (2021)
2021 Tennessee Code|Title 56 - Insurance|Chapter 7 - Policies and Policyholders|Part 1 - General Provisions|§ 56-7-105. Additional Liability Upon Insurers and Bonding Companies for Bad-Faith Failure to Pay Promptly

  The insurance companies of this state, and foreign insurance companies and other persons or corporations doing an insurance or fidelity bonding business in this state, in all cases when a loss occurs and they refuse to pay the loss within sixty (60) days after a demand has been made by the holder of the policy or fidelity bond on which the loss occurred, shall be liable to pay the holder of the policy or fidelity bond, in addition to the loss and interest on the bond, a sum not exceeding twenty-five percent (25%) on the liability for the loss; provided, that it is made to appear to the court or jury trying the case that the refusal to pay the loss was not in good faith, and that the failure to pay inflicted additional expense, loss, or injury including attorney fees upon the holder of the policy or fidelity bond; and provided, further, that the additional liability, within the limit prescribed, shall, in the discretion of the court or jury trying the case, be measured by the additional expense, loss, and injury including attorney fees thus entailed.   In any action against an unauthorized foreign or alien insurer or bonding company upon a contract of insurance or fidelity bond issued or delivered in this state to a resident of this state or to a corporation authorized to do business in this state, if the insurer or bonding company has failed for thirty (30) days after demand prior to commencement of the action to make payment in accordance with the terms of the contract or fidelity bond, and it appears to the court that the refusal was vexatious and without reasonable cause, the court may allow to the plaintiff a reasonable attorney fee and include the fee in any judgment that may be rendered in the action. The fee shall not exceed twelve and one half percent (12.5%) of the amount that the court or jury finds the plaintiff is entitled to recover against the insurer or bonding company, but in no event shall the fee be less than twenty-five dollars ($25.00). Failure of an insurer or bonding company to defend the action shall be deemed prima facie evidence that its failure to make payment was vexatious and without reasonable cause.
TN Code § 56-7-106 (2021)
2021 Tennessee Code|Title 56 - Insurance|Chapter 7 - Policies and Policyholders|Part 1 - General Provisions|§ 56-7-106. Liability of Policyholders When Action Not Brought in Good Faith

 In the event it is made to appear to the court or jury trying the cause that the action of the policyholder in bringing the suit was not in good faith, and recovery under the policy is not had, the policyholder shall be liable to the insurance company, corporation, firm, or person in a sum not exceeding twenty-five percent (25%) of the amount of the loss claimed under the policy; provided, that the liability, within the limits prescribed, shall, in the discretion of the court or jury trying the cause, be measured by the additional expense, loss, or injury inflicted upon the defendant by reason of the suit.
TN Code § 56-7-107 (2021)
2021 Tennessee Code|Title 56 - Insurance|Chapter 7 - Policies and Policyholders|Part 1 - General Provisions|§ 56-7-107. Suit on Certificate Issued Under Group Insurance Policy — Copy of Policy Attached to Defendant's Answer

 In any action against an insurance company by the holder of a certificate issued under a policy of group insurance, the defendant shall be required to attach to its pleading in the action a copy of a group insurance policy under which the certificate was issued, on which suit is brought, and the copy shall be receivable in evidence, without any cost to plaintiff, and the copy shall be duly attested and sworn to.
TN Code § 56-7-108 (2021)
2021 Tennessee Code|Title 56 - Insurance|Chapter 7 - Policies and Policyholders|Part 1 - General Provisions|§ 56-7-108. Mortality Tables

 Notwithstanding any other law, the mortality tables adopted by the National Association of Insurance Commissioners (NAIC) for life insurance contracts may be used by insurers to determine adjusted premiums, present values and reserve values, within any limitations of application as specified by NAIC. Mortality tables adopted by NAIC may be used by insurers pursuant to this section beginning on or after January 1 of the year following adoption by NAIC, unless the commissioner rejects the table by issuing a bulletin posted on the department's web site and mailed to all domestic companies holding a certificate of authority to write life insurance in the state. A mortality table rejected by the commissioner may be subsequently adopted or modified by the commissioner pursuant to a rulemaking in accordance with the Uniform Administrative Procedures Act, compiled in title 4, chapter 5.
TN Code § 56-7-111 (2021)
2021 Tennessee Code|Title 56 - Insurance|Chapter 7 - Policies and Policyholders|Part 1 - General Provisions|§ 56-7-111. Property or Casualty Insurance — General Contractor as a Payee

 When insured property losses in excess of one thousand dollars ($1,000) accrue to the owners of dwellings or other structures insured under policies of property or casualty insurance as defined in § 56-2-201, the insurance company shall name the general contractor, as defined in § 62-6-102, of any uncompleted construction or building contract as a payee on the draft to the owner covering payment for the loss. The insurance company shall name the general contractor as payee on the draft pursuant to this section regardless of whether the work that was performed or is yet to be performed is less than twenty-five thousand dollars ($25,000).
TN Code § 56-7-112 (2021)
2021 Tennessee Code|Title 56 - Insurance|Chapter 7 - Policies and Policyholders|Part 1 - General Provisions|§ 56-7-112. Deferred Individual Annuity Contracts — Minimum Guaranteed Surrender Value

 Deferred individual annuity contracts, except variable annuity contracts as provided for in chapter 3, part 5 of this title, filed for approval after July 1, 1976, or issued after July 1, 1977, must provide upon surrender of the contract guaranteed values in the form of a cash value or paid up annuity that are equal to or greater than the following minimum standards:   In the case of contracts providing level premiums or considerations, the minimum cash value shall not be less than fifty percent (50%) of the annual premium or consideration in the first policy year, plus eighty-five percent (85%) of the premiums or considerations for the second to the tenth policy years inclusive, plus ninety percent (90%) of the premiums or considerations after the tenth policy year, all accumulated at not less than three percent (3%) interest. The annual premiums to be accumulated may be diminished by a policy fee not greater than twenty dollars ($20.00) per year;   In the case of contracts providing premiums or considerations that may vary in amount, the minimum values shall be determined according to the same principles as described in subdivision (1), the cash value attributable to an increase in premium or consideration being computed on the basis of fifty percent (50%) of the excess of the premium or consideration over the largest premium or consideration paid in any prior contract year;   In the case of a single premium policy, the minimum cash value shall be equal to at least ninety percent (90%) of the single premium or consideration accumulated at not less than three percent (3%) interest; and   The contract shall provide that the company shall reserve the right to defer payment of the cash values for six (6) months after application for payment is made.
TN Code § 56-7-113 (2021)
2021 Tennessee Code|Title 56 - Insurance|Chapter 7 - Policies and Policyholders|Part 1 - General Provisions|§ 56-7-113. Inquiry by Homeowner's Insurance Policyholder Not Grounds for Premium Increase or Cancellation of Policy — Communications Necessitating Investigation — Violation Constitutes Unfair Trade Practice

  For purposes of this section:  “Cancel” means to terminate a homeowner's insurance policy prior to the expiration of the policy period;   “Claim”:  Means an oral, written, or electronic submission for payment filed by an insured, on behalf of the insured, or by a third party whereby an insurance company accepts the submission for payment in accordance with the insurance company's reasonable submission standards; and   Does not mean an inquiry by an insured or by an insurance producer on behalf of an insured;     “Inquiry” means any communication to an insurance company by an insured, or by an insurance producer on behalf of an insured, regarding general terms and conditions of a homeowner's insurance policy, including a communication concerning whether a homeowner's insurance policy provides coverage for a type of event or the process for filing a claim; and   “Insurance company” has the same meaning as defined in § 56-1-102.     No insurance company shall increase a premium or cancel a homeowner's insurance policy solely on the basis of an inquiry or inquiries by an insured regarding the insured's homeowner's insurance policy or a loss under the policy.   Notwithstanding the foregoing, if a communication by an insured to an insurance company necessitates an investigation by the insurance company which results in a written finding that there has been a change in a known condition or use of the premises or a fraudulent act by the consumer, then the insurance company may consider the communication to be either a claim or an inquiry.   A violation of this section shall be considered an unfair trade practice under the Tennessee Unfair Trade Practices and Unfair Claims Settlement Act of 2009, compiled in chapter 8, part 1 of this title.
TN Code § 56-7-115 (2021)
2021 Tennessee Code|Title 56 - Insurance|Chapter 7 - Policies and Policyholders|Part 1 - General Provisions|§ 56-7-115. Medical Health Care Liability Insurance — Availability for All Classifications of Practice

  All insurance companies issuing health care liability insurance policies to physicians licensed to practice medicine in this state shall issue policies covering physicians of all classifications of practice; provided, that this subsection (a) shall not be construed to require the issuance of a policy contrary to established underwriting practices.   This section shall not be construed to prevent an insurance company issuing health care liability insurance policies to physicians licensed in the state from limiting the amount of the coverage of the policies or from making a premium surcharge for the insurance in accordance with established underwriting practices.
TN Code § 56-7-117 (2021)
2021 Tennessee Code|Title 56 - Insurance|Chapter 7 - Policies and Policyholders|Part 1 - General Provisions|§ 56-7-117. Required Use of Mail-Order Pharmacy Prohibited

  No group medical benefit contract issued by an insurance company, a hospital service corporation, a hospital and medical service corporation, a medical service corporation, a health maintenance organization or a health care center, that provides coverage for prescription drugs, may require any person covered under the contract to obtain prescription drugs from a mail-order pharmacy in order to obtain benefits for the drugs, or to pay an additional fee or be subjected to any other penalty for failing to utilize any mail-order pharmacy designated by the insurance company or other issuing organization.   The commissioner is authorized to promulgate regulations to implement and enforce this section.
TN Code § 56-7-118 (2021)
2021 Tennessee Code|Title 56 - Insurance|Chapter 7 - Policies and Policyholders|Part 1 - General Provisions|§ 56-7-118. Notice of Premium Increase

 Any insurance company that increases its premiums shall give thirty (30) days' notice of any increase to a customer who has an account paid by bank draft or preauthorized check.
TN Code § 56-7-119 (2021)
2021 Tennessee Code|Title 56 - Insurance|Chapter 7 - Policies and Policyholders|Part 1 - General Provisions|§ 56-7-119. Excuse for Absence of Employee or Student

 Any employer or educational institution may accept, and a duly licensed doctor of chiropractic may issue, an excuse for the absence of an employee or student. Nothing in this section shall be construed to require the insurer of the employee or student to pay for the service or include it within the scope of coverage of any insurance policy.
TN Code § 56-7-121 (2021)
2021 Tennessee Code|Title 56 - Insurance|Chapter 7 - Policies and Policyholders|Part 1 - General Provisions|§ 56-7-121. Exclusion of Coverage

 Notwithstanding any other law to the contrary, an insurer may exclude coverage pursuant to a contractual agreement; provided, that the exclusion complies with this title.
TN Code § 56-7-122 (2021)
2021 Tennessee Code|Title 56 - Insurance|Chapter 7 - Policies and Policyholders|Part 1 - General Provisions|§ 56-7-122. Disclosure of Agreements to Limit Services Permitted

 A provider shall not be prohibited by a health plan, by contract or otherwise, from disclosing to a patient the existence of financial arrangements with the health plan that reward the provider for reducing or limiting the range and amount of medically necessary and appropriate services rendered to the patients enrolled in the health plan.