reglab/housing_qa huggingface dataset:
8 V.S.A. § 4183
2021 Vermont Statutes|Title 8 - Banking and Insurance|Chapter 112 - Life and Health Insurance Guaranty Association|§ 4183. Definitions

§ 4183. Definitions|As defined in this subchapter:  (1) "Association" means the Vermont Health Maintenance Organization Guaranty Association created under this subchapter. (2) "Commissioner" means the Commissioner of Financial Regulation of this State. (3) "Contractual obligation" means any obligation under covered health care plan certificates. (4) "Covered person" means any member or person who is entitled to the protection of the Association as described in section 4181 of this title. (5) "Covered health care plan certificate" means any health care plan certificate, contract, or other evidence of coverage within the scope of this subchapter. (6) "Fund" means the Fund created under section 4184 of this title. (7) "Impaired organization" means a member organization deemed by the Commissioner after May 21, 1993 to be unable or potentially unable to fulfill its contractual obligations, and not an insolvent organization. (8) "Insolvent organization" means a member organization which becomes insolvent and is placed under a final order of liquidation or rehabilitation by a court of competent jurisdiction. (9) "Member organization" means any person who holds a certificate of authority under chapter 139 of this title, and includes any person whose certificate of authority has been suspended, revoked, or nonrenewed. (10) "Premiums" means direct gross premiums or subscriptions received on covered health care plan certificates. (11) "Person" means any individual, corporation, partnership, association, or voluntary organization. (12) "Resident" means any person who resides in this State at the time the organization is determined to be impaired or insolvent and to whom contractual obligations are owed. A person may be a resident of only one state. In the case of a person other than a natural person, residence shall be its principal place of business. (Added 1993, No. 30, § 15, eff. May 21, 1993; amended 1995, No. 180 (Adj. Sess.), § 38; 2011, No. 78 (Adj. Sess.), § 2, eff. April 2, 2012.)
8 V.S.A. § 4184
2021 Vermont Statutes|Title 8 - Banking and Insurance|Chapter 112 - Life and Health Insurance Guaranty Association|§ 4184. Creation of the Health Maintenance Organization Guaranty Association

§ 4184. Creation of the Health Maintenance Organization Guaranty Association|Upon a finding by the Commissioner that the interests of members would be best served by the establishment of a Health Maintenance Organization Guaranty Association, the Commissioner shall order all organizations holding a certificate of authority under chapter 139 of this title to establish a nonprofit legal entity to be known as the Vermont Health Maintenance Organization Guaranty Association. All member organizations shall be and must remain members of the Association as a condition of the authority to transact business in this State. The Association shall perform its functions under the plan of operation approved by the Commissioner and shall exercise its powers through a Board of Directors. For purposes of administration and assessment, the Association must maintain the Vermont Health Maintenance Organization Guaranty Association Fund. The Association shall be supervised by the Commissioner and is subject to the provisions of this subchapter and the provisions of subchapter 1 of this chapter as further set forth in section 4185 of this title. (Added 1993, No. 30, § 15, eff. May 21, 1993.)
8 V.S.A. § 4185
2021 Vermont Statutes|Title 8 - Banking and Insurance|Chapter 112 - Life and Health Insurance Guaranty Association|§ 4185. Application of subchapter 1 to the Vermont Health Maintenance Organization Guaranty Association; maximum benefits

§ 4185. Application of subchapter 1 to the Vermont Health Maintenance Organization Guaranty Association; maximum benefits|(a) Sections 4157, 4158, 4159, 4160, 4161, 4162, 4163, 4164, 4165, 4168, and 4169 of this title shall govern and apply to the Association established under this subchapter except as otherwise provided in this subchapter.(b) Sections 4166 and 4167 of this title shall not apply to the Association established under this subchapter.(c)(1) Benefits for which the Association may become liable shall in no event exceed the lesser of:   (A) the contractual obligations for which the Health Maintenance Organization is liable or would have been liable if it were not impaired or insolvent; or (B) $300,000.00 with respect to any one natural person.  (2) In no event shall the Association be required to pay any provider participating in the insolvent organization any amount for in-plan services rendered by such provider prior to the insolvency of the organization in excess of:  (A) the amount provided by a contract between a physician provider and the insolvent organization for such services; or (B) the amounts provided by contract between a hospital provider and the Department of Vermont Health Access for similar services to recipients of Medicaid; or (C) in the event neither subdivision (A) nor (B) of this subdivision (2) is applicable, then the amounts paid under the Medicare area prevailing rate for the area where the services were provided, or if no such rate exists with respect to such services, then 80 percent of the usual and customary rates established by the Health Insurance Association of America or any successor organization that calculates the usual and customary rates for medical services and procedures. The payments required to be made by the Association under this subsection shall constitute full and complete payment of such provider services for the member. (Added 1993, No. 30, § 15, eff. May 21, 1993; amended 1999, No. 147 (Adj. Sess.), § 4; 2005, No. 174 (Adj. Sess.), § 11; 2009, No. 156 (Adj. Sess.), § I.14.)
8 V.S.A. § 4201
2021 Vermont Statutes|Title 8 - Banking and Insurance|Chapter 113 - Liability Insurance and Service Contract Companies|§ 4201. Filing and approval of policies; review

§ 4201. Filing and approval of policies; review|A policy of insurance covering against loss or damage resulting from accident to, or injury suffered by an employee or other person, and for which the insured is liable, shall not be issued or delivered to a person, firm, or corporation resident of, or doing business in this State, until a copy of the form thereof has been filed with the Commissioner; and it shall not be issued or delivered unless approved by him or her. If he or she adjudges that such form does not comply with the requirements of law, he or she shall forthwith give written notice to the insurer who filed such form, specifying the reasons for his or her action, and it shall be unlawful thereafter for such insurer to issue a policy in such form. The action of the Commissioner in this regard shall be subject to review by writ of certiorari.
8 V.S.A. § 4201a
2021 Vermont Statutes|Title 8 - Banking and Insurance|Chapter 113 - Liability Insurance and Service Contract Companies|§ 4201a. Filing fees

§ 4201a. Filing fees|Each filing of a policy or contract form or document, submitted pursuant to section 4201 of this title, shall be accompanied by payment to the Commissioner of a nonrefundable fee of $50.00 per filing submission. (Added 1985, No. 236 (Adj. Sess.), § 9; amended 1991, No. 166 (Adj. Sess.), § 5.)
8 V.S.A. § 4202
2021 Vermont Statutes|Title 8 - Banking and Insurance|Chapter 113 - Liability Insurance and Service Contract Companies|§ 4202. Form and contents of policy

§ 4202. Form and contents of policy|Such policy shall not be so issued or delivered unless:  (1) every printed portion thereof and any endorsement or attached papers shall be plainly printed; (2) a brief description thereof is plainly printed on the first page; and (3) the exceptions of the policy are printed with the same prominence as the benefits to which they apply.
8 V.S.A. § 4203
2021 Vermont Statutes|Title 8 - Banking and Insurance|Chapter 113 - Liability Insurance and Service Contract Companies|§ 4203. Required conditions

§ 4203. Required conditions|Each policy so issued and delivered shall contain in substance the following conditions:  (1) The company shall pay and satisfy any judgment that may be recovered against the insured upon any claim covered by this policy to the extent and within the limits of liability assumed thereby, and shall protect the insured against the levy of any execution issued upon any such judicial judgment or claim against the insured. No limitation of liability in this policy shall be valid if, after a judgment has been rendered against the insured in respect to his or her legal liability for damages in a particular instance, the company continues the litigation by an appeal or otherwise, unless the insured shall stipulate with the company, agreeing to continue such litigation. (2) No action shall lie against the company to recover for any loss under this policy, unless brought within one year after the amount of such loss is made certain either by judgment against the insured after final determination of the litigation or by agreement between the parties with the written consent of the company. (3) The insolvency or bankruptcy of the insured shall not release the company from the payment of damages for injury sustained or loss occasioned during the life of the policy, and in case of such insolvency or bankruptcy an action may be maintained by the injured person or claimant against the company under the terms of the policy, for the amount of any judgment obtained against the insured not exceeding the limits of the policy. (4) Payment of any judicial judgment or claim by the insured for any of the company's liability hereunder shall not bar the insured from any action or right of action against the company. In case of payment of loss or expense under this policy, the company shall be subrogated to all rights of the insured against any party, as respects such loss or expense, to the amount of such payment, and the insured shall execute all papers required and shall cooperate with the company to secure to the company such rights. (5) Policies of motor vehicle insurance shall not provide for any adjustment of rates, the application of any merit rating surcharge plan, nor any similar adjustment or surcharge for any payments made to or on behalf of an insured for damages not attributable to any fault of the insured. (6) Policies of motor vehicle insurance shall not provide for any adjustment of rates, the application of any merits surcharge rating plan, nor any similar adjustment or surcharge for the first violation of 23 V.S.A. § 800. (Amended 1985, No. 77, § 4.)
8 V.S.A. § 4204
2021 Vermont Statutes|Title 8 - Banking and Insurance|Chapter 113 - Liability Insurance and Service Contract Companies|§ 4204. Illegal provisions

§ 4204. Illegal provisions|Such policy shall not be so issued or delivered if it contains a provision contradictory, in whole or in part, to any of the provisions of sections 4201-4203 and 4205-4209 of this title; nor shall any endorsements or attached papers vary, alter, extend, be used as a substitute for, or in any way conflict with such provisions. Such policy shall not be so issued or delivered if it contains any provision purporting to make any portion of the charter, articles of association, Constitution, or bylaws of the insurer a part of the policy unless such portion of the charter, articles, Constitution, or bylaws shall be set forth in full in the policy.
8 V.S.A. § 4205
2021 Vermont Statutes|Title 8 - Banking and Insurance|Chapter 113 - Liability Insurance and Service Contract Companies|§ 4205. Effect of false statement in application

§ 4205. Effect of false statement in application|The falsity of a statement in the application for a policy covered by such provisions shall not bar the right to recovery thereunder unless such false statement was made with actual intent to deceive or unless it materially affected either the acceptance of the risk or the hazard assumed by insurer.
8 V.S.A. § 4206
2021 Vermont Statutes|Title 8 - Banking and Insurance|Chapter 113 - Liability Insurance and Service Contract Companies|§ 4206. Acts not constituting waivers

§ 4206. Acts not constituting waivers|The acknowledgment by an insurer of the receipt of notice given under a policy covered by such provisions, or the furnishing of forms for filing proofs of loss, or the acceptance of such proofs, or the investigation of a claim thereunder shall not operate as a waiver of any of the rights of the insurer in defense of a claim arising under such policy.
8 V.S.A. § 4207
2021 Vermont Statutes|Title 8 - Banking and Insurance|Chapter 113 - Liability Insurance and Service Contract Companies|§ 4207. Penalty for unauthorized alterations

§ 4207. Penalty for unauthorized alterations|An alteration of a written application for insurance by erasure, insertion, or otherwise, shall not be made by a person other than the applicant without his or her written consent, and a person making such alteration without the consent of the applicant shall pay an administrative penalty of not more than $2,000.00. If such alteration is made by an officer of the insurer, or by an employee of the insurer with the insurer's knowledge or consent, such act shall be deemed to have been performed by the insurer thereafter issuing the policy upon such altered application. (Amended 1995, No. 167 (Adj. Sess.), § 13.)
8 V.S.A. § 4208
2021 Vermont Statutes|Title 8 - Banking and Insurance|Chapter 113 - Liability Insurance and Service Contract Companies|§ 4208. Construction of illegal policies

§ 4208. Construction of illegal policies|A policy issued in violation of such provisions shall be held valid, but shall be construed as provided in such provisions. When a provision in such policy is in conflict with such provisions, the rights, duties, and obligations of the insurer, the policyholder and the beneficiary shall be governed by such provisions.
8 V.S.A. § 4209
2021 Vermont Statutes|Title 8 - Banking and Insurance|Chapter 113 - Liability Insurance and Service Contract Companies|§ 4209. Penalties

§ 4209. Penalties|A company, corporation, association, society, or other insurer or any officer or agent thereof that issues or delivers to a person, firm, or corporation in this State a policy in wilful violation of the provisions of this chapter shall pay an administrative penalty of not more than $2,000.00 for each offense. The Commissioner may revoke the license of a company, corporation, association, society, or other insurer of another state or country, or of the agent thereof, that willfully violates such provisions. (Amended 1995, No. 167 (Adj. Sess.), § 14.)
8 V.S.A. § 4210
2021 Vermont Statutes|Title 8 - Banking and Insurance|Chapter 113 - Liability Insurance and Service Contract Companies|§ 4210. Cost of examinations

§ 4210. Cost of examinations|The insurer under any motor vehicle liability insurance policy shall bear the cost of all physical examinations imposed on the insured or proposed insured as a condition for issuance or renewal of the policy. (Added 1971, No. 108.)
8 V.S.A. § 4211
2021 Vermont Statutes|Title 8 - Banking and Insurance|Chapter 113 - Liability Insurance and Service Contract Companies|§ 4211. Volunteer drivers

§ 4211. Volunteer drivers|(a) An insurer may not refuse to issue motor vehicle liability insurance to an applicant solely because the applicant is a volunteer driver. An insurer may not impose a surcharge or otherwise increase the rate for a motor vehicle policy solely on the basis that the named insured, a member of the insured's household, or a person who customarily operates the insured's vehicle is a volunteer driver.(b) As used in this section, "volunteer driver" means a person who provides services, including transporting individuals or goods, without compensation above mileage expenses to a charitable organization or nonprofit corporation established under Title 11B, pursuant to a written agreement.(c) This section does not prohibit an insurer from refusing to renew, imposing a surcharge on, or otherwise raising the rate for a motor vehicle liability insurance policy based upon factors other than the volunteer status of the insured driver. (Added 2009, No. 80 (Adj. Sess.), § 1.)
8 V.S.A. § 4222
2021 Vermont Statutes|Title 8 - Banking and Insurance|Chapter 113 - Liability Insurance and Service Contract Companies|§ 4222. Definitions

§ 4222. Definitions|The following definitions, unless otherwise specified or qualified, shall be applicable to this subchapter:  (1) "Policy" means an automobile liability policy providing bodily injury liability, property damage liability, medical payments and uninsured motorist coverage, or any combination thereof, delivered or issued for delivery in this State, insuring a single individual or husband and wife resident of the same household, as named insured, and under which the insured vehicles therein designated are of the following types only:  (A) A motor vehicle of the private passenger or station wagon type that is not used as a public or livery conveyance for passengers, nor rented to others; or (B) Any other four-wheel motor vehicle with a load capacity of 1,500 pounds or less which is not used in the occupation, profession, or business of the insured; provided, however, that absent specific language to the contrary, this subchapter shall not apply to any policy issued under the Vermont Automobile Insurance Plan, nor shall it apply to any policy insuring more than four automobiles, or to any policy covering garage, automobile sales agency, repair shop, service station, or public parking place operation hazards, or to any policy of insurance issued principally to cover personal or premises liability of an insured even though such insurance may also provide some incidental coverage for liability arising out of the ownership, maintenance, or use of a motor vehicle on the premises of such insured or on the ways immediately adjoining such premises.  (2) "Renewal" or "to renew" means the issuance and delivery by an insurer of a policy replacing at the end of the policy period a policy previously issued and delivered by the same insurer, or the issuance and delivery of a certificate or notice extending the term of the policy beyond its policy period or term; provided, however, that any policy with a policy period or term of less than six months shall for the purpose of this subchapter be considered as if written for a policy period or term of six months. Provided, further, that any policy written for a term longer than one year or any policy with no fixed expiration date, shall for the purpose of this subsection be considered as if written for successive policy periods or terms of one year, and such policy may be terminated at the expiration of any annual period upon giving 30 days' notice of nonrenewal prior to such anniversary date, and such nonrenewal shall not be subject to any other provisions of this subchapter. (3) "Nonpayment of premium" means failure of the named insured to discharge when due any of his or her obligations in connection with the payment of premiums on the policy, or any installment of such premium, whether the premium is payable directly to the insurer or its agent or indirectly under any premium finance plan or extension of credit. (Added 1971, No. 195 (Adj. Sess.), § 1; amended 1977, No. 223 (Adj. Sess.), §§ 1, 9.)
8 V.S.A. § 4223
2021 Vermont Statutes|Title 8 - Banking and Insurance|Chapter 113 - Liability Insurance and Service Contract Companies|§ 4223. Cancellation of automobile insurance

§ 4223. Cancellation of automobile insurance|(a) A notice of cancellation of a policy shall be effective only if it is based on one or more of the following reasons:  (1) nonpayment of premium; (2) fraud or material misrepresentation affecting the policy or in the presentation of a claim thereunder, or violation of any of the terms or conditions of the policy; or (3) the named insured or any operator either resident in the same household or who customarily operates an automobile insured under the policy has had his or her driver's license suspended or revoked pursuant to law during the policy period, or, if the policy is a renewal, during its policy period or the 180 days immediately preceding its effective date.   (b) This section shall not apply to any policy or coverage which has been in effect less than 60 days at the time notice of cancellation is mailed or delivered by the insurer unless it is a renewal policy.(c) This section shall not apply to nonrenewal. (Added 1971, No. 195 (Adj. Sess.), § 2.)
8 V.S.A. § 4224
2021 Vermont Statutes|Title 8 - Banking and Insurance|Chapter 113 - Liability Insurance and Service Contract Companies|§ 4224. Notice of cancellation

§ 4224. Notice of cancellation|(a) No notice of cancellation of a policy of insurance to which section 4223 of this title applies or of a policy issued under the Vermont Automobile Insurance Plan shall be effective unless mailed or delivered by the insurer to the named insured at least 45 days prior to the effective date of cancellation; provided, however, that where cancellation is for nonpayment of premium, at least 15 days' notice of cancellation shall be given.(b) In all instances, the reason or reasons for cancellation shall accompany or be included in the notice of cancellation. An insurer shall not be held liable in any claim or suit for damages arising solely from the insurer's compliance with the requirement that the reason for cancellation be specified.(c) This section shall not apply to nonrenewal. (Added 1971, No. 195 (Adj. Sess.), § 3, amended 1977, No. 223 (Adj. Sess.),§§ 2, 3; 1989, No. 171 (Adj. Sess.), § 6, eff. Sept. 1, 1990.)
8 V.S.A. § 4225
2021 Vermont Statutes|Title 8 - Banking and Insurance|Chapter 113 - Liability Insurance and Service Contract Companies|§ 4225. Notice of nonrenewal

§ 4225. Notice of nonrenewal|No insurer shall refuse to renew a policy of insurance unless such insurer or its agent shall mail or deliver to the named insured, at the address shown in the policy, at least 45 days' advance notice of its intention not to renew. This section shall not apply if the insurer has manifested its willingness to renew, or in case of nonpayment of premium, or if the insured fails to pay any advance premium required by the insurer for renewal. Notwithstanding the failure of an insurer to comply with this section, the policy shall terminate on the effective date of any other insurance policy with respect to any automobile designated in both policies. Renewal of a policy shall not constitute a waiver or estoppel with respect to grounds for cancellation which existed before the effective date of such renewal. (Added 1971, No. 195 (Adj. Sess.), § 4; amended 1977, No. 223 (Adj. Sess.), § 8; 1989, No. 171 (Adj. Sess.), § 7, eff. Sept. 1, 1990.)