reglab/housing_qa huggingface dataset:
215 ILCS 5/155.22
2021 Illinois Compiled Statutes|Chapter 215 - INSURANCE|215 ILCS 5/ - Illinois Insurance Code.|Article IX - Provisions Applicable To All Companies

 (from Ch. 73, par. 767.22)Sec. 155.22.         No company authorized to transact in this State the kinds  of business described in Classes 2 and 3 of Section 4, and no officer, director,  agent, clerk, employee or broker of such company shall upon proper application  refuse to provide insurance solely on the basis of  the specific geographic location  of the risk sought to be insured unless  such refusal is for a business purpose which is not a mere pretext for  unfair discrimination.    (Source: P.A. 84-1431.)
215 ILCS 5/155.22b
2021 Illinois Compiled Statutes|Chapter 215 - INSURANCE|215 ILCS 5/ - Illinois Insurance Code.|Article IX - Provisions Applicable To All Companies

Sec. 155.22b.     Rating, claims handling, and underwriting decisions.(a) No company issuing a policy of property and casualty insurance may use  the fact that an applicant or insured incurred  bodily  injury as a result of a battery  or other violent act committed against him or her by a spouse or person in  the same household as a  sole reason for a rating, underwriting, or claims handling decision.(b)  If a policy excludes property coverage for intentional acts, the  insurer may not deny payment to an innocent co-insured who did not cooperate in  or contribute to the creation of the loss if the loss arose out of a pattern of  criminal domestic violence and the perpetrator of the loss is criminally  prosecuted for the act causing the loss.  Payment to the innocent co-insured  may be limited to his or her ownership interest in the property as reduced by  any payments to a mortgagor or other secured interest.    (Source: P.A. 93-200, eff. 1-1-04.)
215 ILCS 5/155.23
2021 Illinois Compiled Statutes|Chapter 215 - INSURANCE|215 ILCS 5/ - Illinois Insurance Code.|Article IX - Provisions Applicable To All Companies

 (from Ch. 73, par. 767.23)Sec. 155.23.     Fraud reporting.(1) The Director is authorized to promulgate     reasonable rules requiring insurers, as defined in Section 155.24, doing business in the State of Illinois to report factual information in their possession that is pertinent to suspected fraudulent insurance claims, fraudulent insurance applications, or premium fraud after he has made a determination that the information is necessary to detect fraud or arson. Claim information may include:(a) Dates and description of accident or loss.(b) Any insurance policy relevant to the accident or     loss.(c) Name of the insurance company claims adjustor and     claims adjustor supervisor processing or reviewing any claim or claims made under any insurance policy relevant to the accident or loss.(d) Name of claimant's or insured's attorney.(e) Name of claimant's or insured's physician, or any     person rendering or purporting to render medical treatment.(f) Description of alleged injuries, damage or loss.(g) History of previous claims made by the claimant     or insured.(h) Places of medical treatment.(i) Policy premium payment record.(j) Material relating to the investigation of the     accident or loss, including statements of any person, proof of loss, and any other relevant evidence.(k) any facts evidencing fraud or arson.The Director shall establish reporting requirements for application and  premium fraud information reporting by rule.(2) The Director of Insurance may designate one or more data processing  organizations or governmental agencies to assist him in gathering such  information  and making  compilations thereof, and may by rule establish the form and procedure  for gathering and compiling such information.  The rules may name any  organization or agency designated by the Director to provide this service,  and may in such case provide for a fee to be paid by the  reporting insurers  directly to the designated organization or agency to cover any of the costs  associated with providing this service.  After determination by the  Director of substantial  evidence of false  or fraudulent claims, fraudulent applications, or premium fraud, the  information shall be forwarded by the Director  or the Director's designee to the proper law enforcement agency  or prosecutor.  Insurers shall have  access to, and may use, the information compiled under the  provisions  of this Section.  Insurers shall release  information to, and shall cooperate with, any law enforcement agency  requesting such information.In the absence of malice, no insurer, or person who  furnishes  information on its behalf, is liable for damages in a civil action or subject  to criminal prosecution for any oral or written statement made or any other  action taken that is necessary to supply information required pursuant to  this Section.    (Source: P.A. 92-233, eff. 1-1-02.)
215 ILCS 5/155.25
2021 Illinois Compiled Statutes|Chapter 215 - INSURANCE|215 ILCS 5/ - Illinois Insurance Code.|Article IX - Provisions Applicable To All Companies

 (from Ch. 73, par. 767.25)Sec. 155.25.     Reports by certain property and casualty insurers.(A) The Director shall promulgate rules and regulations which shall  require, at the request of the Director, any insurer licensed to write medical  liability insurance in this State to file a report on a form furnished by the  Director showing its direct experience in this State.  All experience shall  be on a direct basis, prior to reinsurance, and shall be required only in  the aggregate. Individual claim reports shall not be required.(B) The reports required under subsection (A) shall include the  following data for the previous year ending on the 31st of December:(1) Direct premium written for the prior 12 months.(2) Direct premium earned for the prior 12 months.(3) (a) Incurred claims by accident year, showing the     most recent 8 accident years, and a subtotal combining all accident years prior to the most recent 8, valued as of the most recent December 31, valued as of the prior December 31, each developed as the sum of, and with figures provided for under division (b) of this paragraph (3).(b) Show for each such item, the difference between 2     valuations:(i) dollar amount of claim payments, cumulated         from the beginning of each accident year, where the dollar amount of claim payments shall be separately reported for closed claims under paragraph (3) (a) and for open and reopened claims under paragraph (3) (a), plus(ii) reserves for reported claims as of the         valuation dates, open or reopened, plus(iii) reserves for claims incurred but not         reported as the valuation dates, plus(iv) any other loss reserves carried by the         company as of the valuation dates and not reported in (3) (ii) or (3) (iii).(v) number of claims, cumulated from the         beginning of each accident year, showing the most recent 8 accident years, and a subtotal combining all accident years prior to the most recent 8 valued as of the most recent December 31, land valued as of the prior December 31, with figures provided for the number of closed claims under paragraph (3) (a) and the number of open and unopened claims under paragraph (3) (a). Show for each such item, the difference between the 2 valuations.(4) Actual incurred expenses allocated separately to     loss adjustment, commissions, or other acquisition costs, general office expenses, taxes, licenses and fees, and all other expenses.(5) Net underwriting gain or loss.    (Source: P.A. 87-1090.)
215 ILCS 5/155.25a
2021 Illinois Compiled Statutes|Chapter 215 - INSURANCE|215 ILCS 5/ - Illinois Insurance Code.|Article IX - Provisions Applicable To All Companies

 (from Ch. 73, par. 767.25a)Sec. 155.25a.         Notwithstanding the provisions of subsection (D) of  Section 123B-9, a purchasing group may purchase insurance providing for a  group aggregate limit from an insurer licensed to write medical liability  insurance in this State if (1) such group is domiciled in Illinois and all  or substantially all of such group's members are residents of Illinois, (2)  each insured in the purchasing group is specifically informed prior to  issuance of the policy to such insured of the existence of the group  aggregate limit, and (3) either (a) the amount of the group aggregate limit  is determined by the Director in his discretion to be sufficiently high  (when considered in conjunction with other factors such as each individual  insured's per claim limit and each individual insured's aggregate limit),  such that the risk that the group aggregate limit will be exhausted is not  substantial, or (b) (i) each individual insured's aggregate limit is not  more than 300% of such individual insured's per claim limit and (ii) the  group aggregate limit (at the time of the insured's claim) is equal to or  exceeds the amount set forth in the following table:      Number of Insureds Required Purchasing   in Purchasing Group Aggregate Limit     Group   Less than 10 Individual claim limit X    Number of Insureds   10 to 24 The sum of (i) 3 X the    individual claim limit,    plus (ii) the individual    claim limit X the Number    of Insureds X 2/3   25 to 50 The sum of (i) 7 X the    individual claim    limit, plus (ii) the individual    claim limit X the Number of    Insureds X 1/2   Over 50 The sum of (i) 17 X the individual    claim limit, plus (ii) the    individual claim limit X the    Number of Insureds X 3/10.     (Source: P.A. 86-632.)
215 ILCS 5/155.26
2021 Illinois Compiled Statutes|Chapter 215 - INSURANCE|215 ILCS 5/ - Illinois Insurance Code.|Article IX - Provisions Applicable To All Companies

 (from Ch. 73, par. 767.26)Sec. 155.26.         No insurance company authorized to do business in  Illinois may increase the premium rates for a renewal policy which insures  an individual with a personal lines automobile insurance policy against any  loss or liability resulting from or incident to the ownership, maintenance  or use of any motor vehicle if the sole basis for the proposed increase is  that the insured was convicted of no more than one offense for speeding  where such speeding was not in  excess of 10 miles an hour over the posted speed limit, and no claim  for recovery of damages or loss has been paid by the insurer because of such offense.    (Source: P.A. 85-332.)
215 ILCS 5/155.27
2021 Illinois Compiled Statutes|Chapter 215 - INSURANCE|215 ILCS 5/ - Illinois Insurance Code.|Article IX - Provisions Applicable To All Companies

 (from Ch. 73, par. 767.27)Sec. 155.27.         No insurance company authorized to transact business in  this State may impose a surcharge upon an applicant for  a policy of automobile insurance or refuse to insure the applicant solely  based upon the identity of the  applicant's prior automobile insurance carrier, unless the applicant fails  to provide the company with the applicant's  loss experience with the prior carrier within 21 calendar days after the  application for automobile insurance is filed.    (Source: P.A. 86-1408.)
215 ILCS 5/155.28
2021 Illinois Compiled Statutes|Chapter 215 - INSURANCE|215 ILCS 5/ - Illinois Insurance Code.|Article IX - Provisions Applicable To All Companies

 (from Ch. 73, par. 767.28)Sec. 155.28.         (a) Any individual who is a potential applicant for a  policy of personal automobile insurance as defined in subsection (a) of  Section 143.13 of this Code shall be provided an oral estimate of premium  charges based on the information provided to an insurance producer or  designated representative who maintains an office within any municipality  with 500,000 or more inhabitants.  Such an estimate shall be given  by any such insurance producer or designated representative of an insurer but  shall not be binding.(b) No such insurer, insurance producer or designated representative  shall require that an individual described in subsection (a) of this  Section shall be present in person in order to obtain the estimate  described in subsection (a).(c) Nothing in this Section shall be construed to prohibit an insurer,  insurance producer or designated representative from requiring that an  individual be present in person to complete a final application for a  policy of personal automobile insurance as defined in subsection (a) of  Section 143.13 of this Code.    (Source: P.A. 86-1408.)
215 ILCS 5/155.29
2021 Illinois Compiled Statutes|Chapter 215 - INSURANCE|215 ILCS 5/ - Illinois Insurance Code.|Article IX - Provisions Applicable To All Companies

 (from Ch. 73, par. 767.29)Sec. 155.29.         (a) Purpose. The purpose of this Section  is to regulate the use of  aftermarket crash parts by requiring disclosure when any use of  an aftermarket non-original equipment manufacturer's crash part is proposed and by  requiring that the manufacturers of such aftermarket crash parts be identified.(b) Definitions.  As used in this Section the following terms have  the following meanings:"Aftermarket crash part" means a replacement for any of the nonmechanical  sheet metal or plastic parts that generally constitute the exterior of a  motor vehicle, including inner and outer panels."Non-original equipment manufacturer (Non-OEM) aftermarket crash part"  means an aftermarket crash part not made for or by the manufacturer of the motor vehicle."Repair facility" means any motor vehicle dealer, garage, body shop, or  other commercial entity that undertakes the repair or replacement of those  parts that generally constitute the exterior of a motor vehicle."Installer" means an individual who actually does the work of replacing  or repairing parts of a motor vehicle.(c) Identification.  Any aftermarket crash part supplied by a  non-original equipment manufacturer for use in this State after the  effective date of this Act shall have affixed thereto or inscribed thereon  the logo or name of its  manufacturer.  The manufacturer's logo or name shall be visible after  installation whenever practicable.(d) Disclosure.  No insurer shall specify the use of non-OEM  aftermarket crash parts in the repair of an insured's motor vehicle, nor  shall any repair facility or installer use non-OEM aftermarket crash parts  to repair a vehicle unless the customer is advised of that fact in  writing.  In all instances where an insurer intends that non-OEM  aftermarket crash parts be used in the repair of a motor vehicle, the  insurer shall  provide the customer with the following information:(1) a written estimate that clearly identifies each     non-OEM aftermarket crash part; and(2) a disclosure settlement incorporated into or     attached to the estimate that reads as follows:  "This estimate has been prepared based on the use of crash parts supplied by a source other than the manufacturer of your motor vehicle.  Warranties applicable to these replacement parts are provided by the manufacturer or distributor of these parts rather than the manufacturer of your vehicle."   (Source: P.A. 86-1234; 86-1475.)
215 ILCS 5/155.30
2021 Illinois Compiled Statutes|Chapter 215 - INSURANCE|215 ILCS 5/ - Illinois Insurance Code.|Article IX - Provisions Applicable To All Companies

 (from Ch. 73, par. 767.30)Sec. 155.30.         For purposes of determining premium rates to be charged  for personal multi-peril property insurance policies covering real property  used principally for residential purposes or any household or personal  property that is usual or incidental to the occupancy of any premises used  for residential purposes (commonly known as "homeowners" or "renters"  insurance), an insurance company authorized to do business in this State  shall not treat a child placed in the household by the Illinois Department  of Children and Family Services or a private child welfare agency  differently from a natural or adopted child of the policy owner.  An  insurance company authorized to do business in this State shall not  consider a policy owner's acceptance of the placement of a foster child in  his or her household as a use of the family dwelling for a business purpose.    (Source: P.A. 86-1482.)
215 ILCS 5/155.31
2021 Illinois Compiled Statutes|Chapter 215 - INSURANCE|215 ILCS 5/ - Illinois Insurance Code.|Article IX - Provisions Applicable To All Companies

Sec. 155.31.     Day care and group day care homes; coverage.(a) No insurer providing insurance coverage, as defined in subsection (b)  of  Section 143.13 of this Code, shall nonrenew or cancel an insurance policy on a  day care home or group day care home, as defined in the Child Care Act of 1969,  solely on the basis that the insured operates a duly licensed day care home or  group day care home on the insured premises.(b) An insurer providing such insurance coverage to a licensed day care home  or licensed group day care home may provide such coverage with a separate  policy or endorsement to a policy of fire and extended coverage insurance, as  defined in subsection (b) of Section 143.13.(c) Notwithstanding subsections (a) and (b) of this Section, the insurer  providing such coverage shall be allowed to cancel or nonrenew an insurance  policy on a day care home or group day care home based upon the authority  provided under Sections 143.21 and 143.21.1 of this Code.    (Source: P.A. 90-401, eff. 1-1-98; 90-655, eff. 7-30-98.)
215 ILCS 5/155.32
2021 Illinois Compiled Statutes|Chapter 215 - INSURANCE|215 ILCS 5/ - Illinois Insurance Code.|Article IX - Provisions Applicable To All Companies

Sec. 155.32.     Policy explanations; language other than English.(a) A company, as defined in Section 132.2 of this Code, may conduct  transactions in a language other than English through an employee or agent  acting as interpreter or through an interpreter provided by the customer.(b) An insurance carrier licensed to provide insurance as defined in  subsections  (a) and (b) of Section 143.13 of this Code may provide insurance policies,  endorsements, riders, and any explanatory or advertising material in a language  other than English.  In the event of a dispute or complaint regarding the  insurance or advertising material, the English language version of the  insurance coverage shall control the resolution of the dispute or  complaint.    (Source: P.A. 92-578, eff. 6-26-02.)
215 ILCS 5/155.33
2021 Illinois Compiled Statutes|Chapter 215 - INSURANCE|215 ILCS 5/ - Illinois Insurance Code.|Article IX - Provisions Applicable To All Companies

Sec. 155.33.         Illinois Health Insurance Portability and  Accountability Act.   The provisions of this Code are subject to the Illinois Health Insurance  Portability and Accountability Act as provided in Section 15 of that Act.    (Source: P.A. 90-30, eff. 7-1-97; 90-655, eff. 7-30-98.)
215 ILCS 5/155.34
2021 Illinois Compiled Statutes|Chapter 215 - INSURANCE|215 ILCS 5/ - Illinois Insurance Code.|Article IX - Provisions Applicable To All Companies

Sec. 155.34.     (Repealed).     (Source: P.A. 90-655, eff. 7-30-98. Repealed by P.A. 93-502, eff.  1-1-04.)
215 ILCS 5/155.36
2021 Illinois Compiled Statutes|Chapter 215 - INSURANCE|215 ILCS 5/ - Illinois Insurance Code.|Article IX - Provisions Applicable To All Companies

Sec. 155.36. Managed Care Reform and Patient Rights Act. Insurance  companies that transact the kinds of insurance authorized under Class 1(b) or  Class 2(a) of Section 4 of this Code shall comply  with Sections  45, 45.1, 45.2, 65, 70, and 85, subsection (d) of Section 30, and the definition of the term "emergency medical  condition" in Section  10 of the Managed Care Reform and Patient Rights Act.  (Source: P.A. 101-608, eff. 1-1-20; 102-409, eff. 1-1-22.)
215 ILCS 5/155.37
2021 Illinois Compiled Statutes|Chapter 215 - INSURANCE|215 ILCS 5/ - Illinois Insurance Code.|Article IX - Provisions Applicable To All Companies

Sec. 155.37.     Drug formulary; notice.     Insurance  companies that transact the kinds of insurance authorized under Class 1(b) or  Class 2(a) of Section 4 of this Code and provide coverage for prescription  drugs through the use of a drug formulary must notify insureds of any change in  the formulary.  A company may comply with this Section by posting changes in  the formulary on its website.    (Source: P.A. 92-440, eff. 8-17-01; 92-651, eff. 7-11-02.)
215 ILCS 5/155.38
2021 Illinois Compiled Statutes|Chapter 215 - INSURANCE|215 ILCS 5/ - Illinois Insurance Code.|Article IX - Provisions Applicable To All Companies

Sec. 155.38.     (Repealed).     (Source: P.A. 92-651, eff. 7-11-02.  Repealed by P.A.  93-114, eff. 10-1-03.)
215 ILCS 5/155.40
2021 Illinois Compiled Statutes|Chapter 215 - INSURANCE|215 ILCS 5/ - Illinois Insurance Code.|Article IX - Provisions Applicable To All Companies

Sec. 155.40.  Auto insurance; application; false address.(a) An applicant for a policy of insurance that insures against any loss or  liability resulting from or incident to the ownership, maintenance, or use of a  motor vehicle shall not provide to the insurer to which the application for  coverage is made any address for the applicant other than the address  at which the applicant resides.(b) A person who knowingly violates this Section is guilty of a business  offense.  The penalty is a fine of not less than $1,001 and not more than  $1,200.       (Source: P.A. 95-331, eff. 8-21-07.)
215 ILCS 5/155.41
2021 Illinois Compiled Statutes|Chapter 215 - INSURANCE|215 ILCS 5/ - Illinois Insurance Code.|Article IX - Provisions Applicable To All Companies

Sec. 155.41.  Slave era policies.(a) The General Assembly finds and declares all of the  following:(1) Insurance policies from the slavery era have been     discovered in the archives of several insurance companies, documenting insurance coverage for slaveholders for damage to or death of their slaves, issued by a predecessor insurance firm. These documents provide the first evidence of ill-gotten profits from slavery, which profits in part capitalized insurers whose successors remain in existence today.(2) Legislation has been introduced in Congress for     the past 10 years demanding an inquiry into slavery and its continuing legacies.(3) The Director of Insurance and the Department of     Insurance are entitled to seek information from the files of insurers licensed and doing business in this State, including licensed Illinois subsidiaries of international insurance corporations, regarding insurance policies issued to slaveholders by predecessor corporations. The people of Illinois are entitled to significant historical information of this nature.(b) The Department shall request and obtain information from  insurers licensed and doing business in this State regarding any  records of slaveholder insurance policies issued by any predecessor  corporation during the slavery era.(c) The Department shall obtain the names of any  slaveholders or slaves described in those insurance records, and  shall make the information available to the public and the  General Assembly.(d) Any insurer licensed and doing business in this State  shall research and report to the Department with respect to any  records within the insurer's possession or knowledge relating to  insurance policies issued to slaveholders that provided coverage for  damage to or death of their slaves.(e) Descendants of slaves, whose ancestors were defined as  private property, dehumanized, divided from their families, forced to  perform labor without appropriate compensation or benefits, and  whose ancestors' owners were compensated for damages by insurers, are  entitled to full disclosure.       (Source: P.A. 95-331, eff. 8-21-07.)
215 ILCS 5/155.42
2021 Illinois Compiled Statutes|Chapter 215 - INSURANCE|215 ILCS 5/ - Illinois Insurance Code.|Article IX - Provisions Applicable To All Companies

Sec. 155.42. Identity theft insurance consumer fact sheet. The Department shall develop an appropriate consumer fact sheet to be provided to consumers, either via the Department's  website or by hard copy if requested, regarding identity theft insurance. The fact sheet shall include at a minimum, information on what is generally covered under identity theft insurance and on how to protect himself or herself from  identity theft.  (Source: P.A. 96-167, eff. 1-1-10.)