reglab/housing_qa huggingface dataset:
TX Ins Code § 553.001 (2021)
2021 Texas Statutes|Insurance Code|Title 5 - Protection of Consumer Interests|Subtitle C - Deceptive, Unfair, and Prohibited Practices|Chapter 553 - Enforcement of Insurance Policies Regarding Holocaust Victims|Section 553.001. Definitions

Sec. 553.001.  DEFINITIONS.  In this chapter:(1)  "Holocaust victim" means a person who was killed or injured, or who lost financial assets or other property, as the result of discriminatory laws, policies, or actions directed against any discrete group of which the person was a member, during the period of 1920 to 1945, inclusive, in Germany, areas occupied by Germany, or countries allied with Germany.(2)  "Insurance policy" includes:(A)  a life insurance policy, an annuity, a property insurance policy, a casualty insurance policy, and a liability insurance policy;  and(B)  reinsurance on a risk covered under a policy described by Paragraph (A).(3)  "Insurer" means an insurance company or other entity engaged in the business of insurance or reinsurance in this state.  The term includes:(A)  a capital stock company, a mutual company, or a Lloyd's plan;  and(B)  any parent, subsidiary, or affiliated company, at least 50 percent of the stock of which is in common ownership with an insurer engaged in the business of insurance in this state.|Added by Acts 2003, 78th Leg., ch. 1274, Sec. 2, eff. April 1, 2005.|
TX Ins Code § 553.002 (2021)
2021 Texas Statutes|Insurance Code|Title 5 - Protection of Consumer Interests|Subtitle C - Deceptive, Unfair, and Prohibited Practices|Chapter 553 - Enforcement of Insurance Policies Regarding Holocaust Victims|Section 553.002. Suspension of Limitations Period

Sec. 553.002.  SUSPENSION OF LIMITATIONS PERIOD.  (a)  Notwithstanding any other law, a Holocaust victim, or the heir, assignee, beneficiary, or successor of a Holocaust victim, who resides in this state and has a claim arising out of an insurance policy purchased or in effect in Europe before 1946 that was delivered, issued for delivery, or renewed by an insurer may bring an action in this state against an insurer to recover on that claim.(b)  An action brought under this section before December 31, 2012, may not be dismissed for failure to comply with any applicable limitations period.|Added by Acts 2003, 78th Leg., ch. 1274, Sec. 2, eff. April 1, 2005.|
TX Ins Code § 553.003 (2021)
2021 Texas Statutes|Insurance Code|Title 5 - Protection of Consumer Interests|Subtitle C - Deceptive, Unfair, and Prohibited Practices|Chapter 553 - Enforcement of Insurance Policies Regarding Holocaust Victims|Section 553.003. Violation by Insurer

Sec. 553.003.  VIOLATION BY INSURER.  An insurer violates this chapter if the insurer fails to comply with a claim brought under this chapter by:(1)  denying the claim on the grounds that the claim is not timely;  or(2)  asserting a statute of limitations defense in an action brought under Section 553.002.|Added by Acts 2003, 78th Leg., ch. 1274, Sec. 2, eff. April 1, 2005.|
TX Ins Code § 553.004 (2021)
2021 Texas Statutes|Insurance Code|Title 5 - Protection of Consumer Interests|Subtitle C - Deceptive, Unfair, and Prohibited Practices|Chapter 553 - Enforcement of Insurance Policies Regarding Holocaust Victims|Section 553.004. Examination; Enforcement

Sec. 553.004.  EXAMINATION;  ENFORCEMENT.  (a)  If the commissioner considers it necessary, the commissioner may initiate an examination of an insurer under Sections 401.051, 401.052, and 401.054-401.062.(b)  If the commissioner believes that an insurer is violating or has violated this chapter, the commissioner may:(1)  impose a sanction under Chapter 82;(2)  issue a cease and desist order under Chapter 83;(3)  assess an administrative penalty under Chapter 84;  or(4)  refer the matter to the attorney general for appropriate enforcement.|Added by Acts 2003, 78th Leg., ch. 1274, Sec. 2, eff. April 1, 2005.Amended by: Acts 2007, 80th Leg., R.S., Ch. 730 (H.B. 2636), Sec. 2D.014, eff. April 1, 2009.|
TX Ins Code § 554.001 (2021)
2021 Texas Statutes|Insurance Code|Title 5 - Protection of Consumer Interests|Subtitle C - Deceptive, Unfair, and Prohibited Practices|Chapter 554 - Burden of Proof and Pleading|Section 554.001. Applicability of Chapter

Sec. 554.001.  APPLICABILITY OF CHAPTER.  This chapter applies to each insurer or health maintenance organization engaged in the business of insurance or the business of a health maintenance organization in this state, regardless of form and however organized, including:(1)  a stock life, health, or accident insurance company;(2)  a mutual life, health, or accident insurance company;(3)  a stock fire or casualty insurance company;(4)  a mutual fire or casualty insurance company;(5)  a Mexican casualty insurance company;(6)  a Lloyd's plan;(7)  a reciprocal or interinsurance exchange;(8)  a fraternal benefit society;(9)  a title insurance company;(10)  a stipulated premium company;(11)  a nonprofit legal services corporation;(12)  a statewide mutual assessment company;(13)  a local mutual aid association;(14)  a local mutual burial association;(15)  an association exempt under Section 887.102;(16)  a nonprofit hospital, medical, or dental service corporation, including a corporation subject to Chapter 842;(17)  a county mutual insurance company;(18)  a farm mutual insurance company; and(19)  an insurer or health maintenance organization engaged in the business of insurance or the business of a health maintenance organization in this state that does not hold a certificate of authority issued by the department or is not otherwise authorized to engage in business in this state.|Added by Acts 2003, 78th Leg., ch. 1274, Sec. 2, eff. April 1, 2005.Amended by: Acts 2017, 85th Leg., R.S., Ch. 967 (S.B. 2065), Sec. 5.004, eff. September 1, 2017.|
TX Ins Code § 554.002 (2021)
2021 Texas Statutes|Insurance Code|Title 5 - Protection of Consumer Interests|Subtitle C - Deceptive, Unfair, and Prohibited Practices|Chapter 554 - Burden of Proof and Pleading|Section 554.002. Burden of Proof and Pleading

Sec. 554.002.  BURDEN OF PROOF AND PLEADING.  In a suit to recover under an insurance or health maintenance organization contract, the insurer or health maintenance organization has the burden of proof as to any avoidance or affirmative defense that the Texas Rules of Civil Procedure require to be affirmatively pleaded.  Language of exclusion in the contract or an exception to coverage claimed by the insurer or health maintenance organization constitutes an avoidance or an affirmative defense.|Added by Acts 2003, 78th Leg., ch. 1274, Sec. 2, eff. April 1, 2005.|
TX Ins Code § 555.001 (2021)
2021 Texas Statutes|Insurance Code|Title 5 - Protection of Consumer Interests|Subtitle C - Deceptive, Unfair, and Prohibited Practices|Chapter 555 - Failure to Satisfy Judgment|Section 555.001. Applicability of Chapter

Sec. 555.001.  APPLICABILITY OF CHAPTER.  This chapter does not apply to an insurer subject to Chapter 841.|Added by Acts 2003, 78th Leg., ch. 1274, Sec. 2, eff. April 1, 2005.|
TX Ins Code § 555.002 (2021)
2021 Texas Statutes|Insurance Code|Title 5 - Protection of Consumer Interests|Subtitle C - Deceptive, Unfair, and Prohibited Practices|Chapter 555 - Failure to Satisfy Judgment|Section 555.002. Revocation of Certificate of Authority

Sec. 555.002.  REVOCATION OF CERTIFICATE OF AUTHORITY.  If an execution issued on a final judgment rendered against an insurer is not satisfied and discharged before the 31st day after the date of notice of the execution's issuance, the insurer's certificate of authority shall be revoked, and the insurer may not engage in the business of insurance in this state until the execution is satisfied.|Added by Acts 2003, 78th Leg., ch. 1274, Sec. 2, eff. April 1, 2005.|
TX Ins Code § 558.001 (2021)
2021 Texas Statutes|Insurance Code|Title 5 - Protection of Consumer Interests|Subtitle C - Deceptive, Unfair, and Prohibited Practices|Chapter 558 - Refund of Unearned Premium|Section 558.001. Definition

Sec. 558.001.  DEFINITION.  In this chapter, "insurer" means an insurance company or other entity authorized to engage in the business of insurance in this state.  The term includes:(1)  a stock life, health, or accident insurance company;(2)  a mutual life, health, or accident insurance company;(3)  a stock fire or casualty insurance company;(4)  a mutual fire or casualty insurance company;(5)  a Mexican casualty insurance company;(6)  a farm mutual insurance company;(7)  a county mutual insurance company;(8)  a Lloyd's plan;(9)  a reciprocal or insurance exchange;(10)  a fraternal benefit society;(11)  a stipulated premium company;(12)  a nonprofit legal services corporation;(13)  a statewide mutual assessment company;(14)  a local mutual aid association;(15)  a local mutual burial association;(16)  an association exempt under Section 887.102;(17)  a nonprofit hospital, medical, or dental service corporation, including a corporation subject to Chapter 842;(18)  a risk retention group;(19)  a purchasing group;(20)  an eligible surplus lines insurer; and(21)  a guaranty association operating under Chapter 462 or 463.|Added by Acts 2003, 78th Leg., ch. 1274, Sec. 2, eff. April 1, 2005.Amended by: Acts 2007, 80th Leg., R.S., Ch. 730 (H.B. 2636), Sec. 2D.015, eff. April 1, 2009.|
TX Ins Code § 558.002 (2021)
2021 Texas Statutes|Insurance Code|Title 5 - Protection of Consumer Interests|Subtitle C - Deceptive, Unfair, and Prohibited Practices|Chapter 558 - Refund of Unearned Premium|Section 558.002. Applicability of Chapter; Refund of Unearned Premium

Sec. 558.002.  APPLICABILITY OF CHAPTER;  REFUND OF UNEARNED PREMIUM.  (a)  This chapter applies to an insurer that issues an insurance policy that requires the insurer to maintain an unearned premium reserve for the portion of the written policy premium applicable to the unexpired or unused part of the policy period for which the premium has been paid.(b)  An insurer shall promptly refund the appropriate portion of any unearned premium to the policyholder if the policy:(1)  has a remaining unearned premium reserve;  and(2)  is canceled or terminated by the insured or the insurer before the end of its term.(c)  A guaranty association shall promptly refund any unearned premium as described by Subchapter E, Chapter 462, or Sections 463.003(9) and 463.259.(d)  An insurer shall refund the appropriate portion of any unearned premium to the policyholder not later than the 15th business day after the effective date of cancellation or termination of a policy of personal automobile or residential property insurance, as those terms are defined by Section 2301.051.(e)  Notwithstanding Subsection (d), a guaranty association shall refund any unearned premium as described by Subchapter E, Chapter 462, not later than the 30th business day after the date the guaranty association receives any necessary and accurate financial information, including supporting accounting information, required to determine unearned premium under a policy of personal automobile or residential property insurance, as those terms are defined by Section 2301.051.(f)  For purposes of this section, "business day" means a day other than a Saturday, Sunday, or holiday recognized by this state.|Added by Acts 2003, 78th Leg., ch. 1274, Sec. 2, eff. April 1, 2005.Amended by: Acts 2007, 80th Leg., R.S., Ch. 730 (H.B. 2636), Sec. 2D.016, eff. April 1, 2009.Acts 2013, 83rd Leg., R.S., Ch. 94 (S.B. 698), Sec. 1, eff. May 18, 2013.|
TX Ins Code § 558.003 (2021)
2021 Texas Statutes|Insurance Code|Title 5 - Protection of Consumer Interests|Subtitle C - Deceptive, Unfair, and Prohibited Practices|Chapter 558 - Refund of Unearned Premium|Section 558.003. Rules and Guidelines

Sec. 558.003.  RULES AND GUIDELINES.  The commissioner shall:(1)  adopt rules necessary to implement this chapter;  and(2)  establish appropriate guidelines to determine the portion of an unearned premium that must be refunded to a policyholder under this chapter.|Added by Acts 2003, 78th Leg., ch. 1274, Sec. 2, eff. April 1, 2005.|
TX Ins Code § 558.004 (2021)
2021 Texas Statutes|Insurance Code|Title 5 - Protection of Consumer Interests|Subtitle C - Deceptive, Unfair, and Prohibited Practices|Chapter 558 - Refund of Unearned Premium|Section 558.004. Effect on Insurance Premium Finance Company

Sec. 558.004.  EFFECT ON INSURANCE PREMIUM FINANCE COMPANY.  This chapter does not affect the obligation of an insurer to pay an unearned premium to an insurance premium finance company in accordance with Section 651.162.|Added by Acts 2003, 78th Leg., ch. 1274, Sec. 2, eff. April 1, 2005.|
TX Ins Code § 560.001 (2021)
2021 Texas Statutes|Insurance Code|Title 5 - Protection of Consumer Interests|Subtitle C - Deceptive, Unfair, and Prohibited Practices|Chapter 560 - Prohibited Rates|Section 560.001. Definition of Insurer

Sec. 560.001.  DEFINITION OF INSURER.  In this chapter, "insurer" means an insurance company, reciprocal or interinsurance exchange, mutual insurance company, farm mutual insurance company, capital stock insurance company, county mutual insurance company, Lloyd's plan, surplus lines insurer, or other legal entity engaged in the business of insurance in this state.  The term includes:(1)  an affiliate described by Section 823.003(a);(2)  the Texas Windstorm Insurance Association established under Chapter 2210;(3)  the FAIR Plan Association established under Chapter 2211; and(4)  the Texas Automobile Insurance Plan Association established under Chapter 2151.|Added by Acts 2007, 80th Leg., R.S., Ch. 730 (H.B. 2636), Sec. 1D.002, eff. April 1, 2009.|
TX Ins Code § 560.002 (2021)
2021 Texas Statutes|Insurance Code|Title 5 - Protection of Consumer Interests|Subtitle C - Deceptive, Unfair, and Prohibited Practices|Chapter 560 - Prohibited Rates|Section 560.002. Use of Certain Rates Prohibited; Rate Requirements

Sec. 560.002.  USE OF CERTAIN RATES PROHIBITED; RATE REQUIREMENTS.  (a)  An insurer may not use a rate that violates this chapter.(b)  A rate used under this code:(1)  must be just, fair, reasonable, and adequate; and(2)  may not be:(A)  confiscatory;(B)  excessive for the risks to which the rate applies; or(C)  unfairly discriminatory.(c)  For purposes of this section, a rate is:(1)  inadequate if the rate is insufficient to sustain projected losses and expenses to which the rate applies, and continued use of the rate:(A)  endangers the solvency of an insurer using the rate; or(B)  has the effect of substantially lessening competition or creating a monopoly in any market;(2)  excessive if the rate is likely to produce a long-term profit that is unreasonably high in relation to the insurance coverage provided; or(3)  unfairly discriminatory if the rate:(A)  is not based on sound actuarial principles;(B)  does not bear a reasonable relationship to the expected loss and expense experience among risks; or(C)  is based wholly or partly on the race, creed, color, ethnicity, or national origin of the policyholder or an insured.|Added by Acts 2007, 80th Leg., R.S., Ch. 730 (H.B. 2636), Sec. 1D.002, eff. April 1, 2009.|
TX Ins Code § 563.001 (2021)
2021 Texas Statutes|Insurance Code|Title 5 - Protection of Consumer Interests|Subtitle C - Deceptive, Unfair, and Prohibited Practices|Chapter 563 - Practices Relating to Claims Reporting|Section 563.001. Definitions

Sec. 563.001.  DEFINITIONS.  In this chapter:(1)  "Claims database" means a database used by insurers to share, among insurers, insureds' claims histories or damage reports concerning covered properties.(2)  "Insurer," "personal automobile insurance," and "residential property insurance" have the meanings assigned by Section 2254.001.|Added by Acts 2011, 82nd Leg., R.S., Ch. 1147 (H.B. 1951), Sec. 13.001, eff. September 1, 2011.|
TX Ins Code § 563.002 (2021)
2021 Texas Statutes|Insurance Code|Title 5 - Protection of Consumer Interests|Subtitle C - Deceptive, Unfair, and Prohibited Practices|Chapter 563 - Practices Relating to Claims Reporting|Section 563.002. Reporting to Claims Database

Sec. 563.002.  REPORTING TO CLAIMS DATABASE.  An insurer or an insurer's agent may not report to a claims database information regarding an inquiry by an insured regarding coverage provided under a personal automobile insurance policy or a residential property insurance policy unless and until the insured files a claim under the policy.|Added by Acts 2011, 82nd Leg., R.S., Ch. 1147 (H.B. 1951), Sec. 13.001, eff. September 1, 2011.|
TX Ins Code § 564.001 (2021)
2021 Texas Statutes|Insurance Code|Title 5 - Protection of Consumer Interests|Subtitle C - Deceptive, Unfair, and Prohibited Practices|Chapter 564 - Disclosures for the Sale of Certain Occupational Insurance Policies|Section 564.001. Scope of Chapter; Purpose

Sec. 564.001.  SCOPE OF CHAPTER; PURPOSE.  (a) This chapter is intended to require disclosures on policy forms for certain occupational insurance policies designed or marketed to provide coverage to an employer that elects not to maintain workers' compensation insurance coverage under Chapter 406, Labor Code.(b)  Nothing in this chapter prohibits an employer that is not required to maintain workers' compensation insurance coverage and has elected not to obtain workers' compensation insurance coverage from obtaining occupational accident, disease, or death insurance coverage for the employer or the employer's employees. |Added by Acts 2021, 87th Leg., R.S., Ch. 281 (H.B. 3769), Sec. 1, eff. September 1, 2021.|
TX Ins Code § 564.002 (2021)
2021 Texas Statutes|Insurance Code|Title 5 - Protection of Consumer Interests|Subtitle C - Deceptive, Unfair, and Prohibited Practices|Chapter 564 - Disclosures for the Sale of Certain Occupational Insurance Policies|Section 564.002. Applicability of Chapter

Sec. 564.002.  APPLICABILITY OF CHAPTER.  This chapter applies to an insurance company authorized to write accident and health insurance or liability insurance, including:(1)  a surplus lines insurer;(2)  a Lloyd's plan; and (3)  a reciprocal or interinsurance exchange.|Added by Acts 2021, 87th Leg., R.S., Ch. 281 (H.B. 3769), Sec. 1, eff. September 1, 2021.|
TX Ins Code § 564.003 (2021)
2021 Texas Statutes|Insurance Code|Title 5 - Protection of Consumer Interests|Subtitle C - Deceptive, Unfair, and Prohibited Practices|Chapter 564 - Disclosures for the Sale of Certain Occupational Insurance Policies|Section 564.003. Exceptions

Sec. 564.003.  EXCEPTIONS.  This chapter does not apply to:(1)  a plan that provides coverage:(A)  only for a specified disease or another limited benefit;(B)  only for dental or vision care; or(C)  only for hospital indemnity for hospital confinement;(2)  a Medicare supplemental policy as defined by Section  1882(g)(1), Social Security Act (42 U.S.C. Section 1395ss); (3)  long-term care coverage or benefits, home health care coverage or benefits, community-based care coverage or benefits, or any combination of those coverages or benefits;(4)  an individual or group life insurance policy; or(5)  individual or group credit life, accident, or disability insurance.|Added by Acts 2021, 87th Leg., R.S., Ch. 281 (H.B. 3769), Sec. 1, eff. September 1, 2021.|
TX Ins Code § 564.004 (2021)
2021 Texas Statutes|Insurance Code|Title 5 - Protection of Consumer Interests|Subtitle C - Deceptive, Unfair, and Prohibited Practices|Chapter 564 - Disclosures for the Sale of Certain Occupational Insurance Policies|Section 564.004. Occupational Policy Defined

Sec. 564.004.  OCCUPATIONAL POLICY DEFINED.  In this chapter, "occupational policy" means:  (1)  an individual or group accident or health insurance policy that explicitly provides coverage or benefits for an employer or the employer's employees for an employee's occupational bodily injury, disease, or death;(2)  an employer's insurance policy that explicitly provides liability coverage to an employer that elects not to maintain workers' compensation insurance coverage under Chapter 406, Labor Code, for an employee's occupational bodily injury, disease, or death in:(A)  a general liability insurance policy;(B)  a commercial multiple peril insurance policy; or(C)  any other type of insurance policy designated by the department as intended to provide liability coverage to an employer that elects not to maintain workers' compensation insurance coverage under Chapter 406, Labor Code, for an employee's occupational bodily injury, disease, or death;(3)  an accident,  health, or liability insurance policy that does not expressly include coverage for occupational injuries, disease, or death, but is marketed or sold to or through an employer as an alternative to coverage for benefits or liability provided by a workers' compensation insurance policy; or(4)  a policy that includes occupational accident and health and liability coverage in the same policy.|Added by Acts 2021, 87th Leg., R.S., Ch. 281 (H.B. 3769), Sec. 1, eff. September 1, 2021.|
TX Ins Code § 564.005 (2021)
2021 Texas Statutes|Insurance Code|Title 5 - Protection of Consumer Interests|Subtitle C - Deceptive, Unfair, and Prohibited Practices|Chapter 564 - Disclosures for the Sale of Certain Occupational Insurance Policies|Section 564.005. Required Disclosures for Occupational Policies

Sec. 564.005.  REQUIRED DISCLOSURES FOR OCCUPATIONAL POLICIES.  An occupational policy shall include the following disclosure statement in 10-point boldface type on the first page of the policy and on the first page of all materials used in advertising or marketing the occupational policy to an employer that elects not to maintain workers' compensation insurance coverage under Chapter 406, Labor Code:"THIS IS NOT A WORKERS' COMPENSATION INSURANCE POLICY. THE EMPLOYER DOES NOT OBTAIN WORKERS' COMPENSATION INSURANCE COVERAGE BY PURCHASING THIS POLICY, AND IF THE EMPLOYER HAS NOT ELECTED TO OBTAIN WORKERS' COMPENSATION INSURANCE COVERAGE, THE EMPLOYER DOES NOT OBTAIN THOSE BENEFITS THAT WOULD OTHERWISE ACCRUE UNDER THE WORKERS' COMPENSATION LAWS IN THIS STATE. THE EMPLOYER MUST COMPLY WITH THE WORKERS' COMPENSATION LAWS IN THIS STATE AS THEY PERTAIN TO EMPLOYERS THAT ELECT NOT TO MAINTAIN WORKERS' COMPENSATION INSURANCE COVERAGE AND THE REQUIRED NOTIFICATIONS THAT MUST BE FILED AND POSTED."|Added by Acts 2021, 87th Leg., R.S., Ch. 281 (H.B. 3769), Sec. 1, eff. September 1, 2021.|
TX Ins Code § 564.006 (2021)
2021 Texas Statutes|Insurance Code|Title 5 - Protection of Consumer Interests|Subtitle C - Deceptive, Unfair, and Prohibited Practices|Chapter 564 - Disclosures for the Sale of Certain Occupational Insurance Policies|Section 564.006. Rules

Sec. 564.006.  RULES.  The commissioner shall adopt rules as necessary to implement this chapter.|Added by Acts 2021, 87th Leg., R.S., Ch. 281 (H.B. 3769), Sec. 1, eff. September 1, 2021.|
TX Ins Code § 706.001 (2021)
2021 Texas Statutes|Insurance Code|Title 5 - Protection of Consumer Interests|Subtitle F - Insurance Fraud and Identity Theft|Chapter 706 - Identity Theft Insurance|Section 706.001. Definitions

Sec. 706.001.  DEFINITIONS.  (a)  The definitions adopted under Sections 2251.002 and 2301.002 and the terms described by Sections 2251.003 and 2301.003  apply to this chapter.(b)  In this chapter, "identity theft" means a criminal offense described by Section 32.51, Penal Code, or a substantially similar federal law or law in another state.|Added by Acts 2005, 79th Leg., Ch. 102 (S.B. 99), Sec. 3, eff. September 1, 2005.Amended by: Acts 2007, 80th Leg., R.S., Ch. 730 (H.B. 2636), Sec. 2D.017, eff. April 1, 2009.|