reglab/housing_qa huggingface dataset:
SC Code § 38-75-1190 (2021)
2021 South Carolina Code of Laws|Title 38 - Insurance|Chapter 75 - Property, Casualty, And Title Insurance Generally|Section 38-75-1190. Immunity from liability absent malice or gross negligence.

 There is no liability on the part of and no cause of action of any nature may arise against the director or his designees, any insurer, or the authorized representatives, agents, and employees of any firm, person, or corporation furnishing to the insurer information as to reasons for cancellation or refusal to write or renew, for any statement made by any of them in complying with this article, or for the providing of information pertaining to it, unless the person asserting the cause of action establishes that the person against whom the cause of action is asserted was motivated by express malice or gross negligence.  HISTORY: 2004 Act No. 290, Section 2.A, eff six months after approval by the Governor (approved July 29, 2004).
SC Code § 38-75-1200 (2021)
2021 South Carolina Code of Laws|Title 38 - Insurance|Chapter 75 - Property, Casualty, And Title Insurance Generally|Section 38-75-1200. Notice regarding cancellation in application for original issuance of policy.

 (A) An application for the original issuance of a policy of insurance covered in the article must have the following statement printed on or attached to the first page of the application form, in boldface type:  "THE INSURER CAN CANCEL THIS POLICY FOR WHICH YOU ARE APPLYING WITHOUT CAUSE DURING THE FIRST 120 DAYS. THAT IS THE INSURER'S CHOICE. AFTER THE FIRST 120 DAYS, THE INSURER CAN ONLY CANCEL THIS POLICY FOR REASONS STATED IN THE POLICY."  (B) An application for the original issuance of a policy of insurance covered in this article that requires the insured to disclose information as to any previous cancellation or refusal to renew also must permit the insured to offer or provide a full explanation of the reason for the cancellation or refusal to renew.  (C) The notice required by this section must accompany the initial declarations page if the applicant is not provided a written copy at the time of the application and the coverage has been bound by the insurer.  (D) The insurer may cancel without cause at any time in the first one hundred twenty days during which the policy is in effect.  (E) This section does not apply to the renewal of any policy of insurance.  HISTORY: 2004 Act No. 290, Section 2.A, eff six months after approval by the Governor (approved July 29, 2004); 2019 Act No. 6 (S.360), Section 9.B, eff July 1, 2019.  Effect of Amendment  2019 Act No. 6, Section 9.B, in (A), substituted "THE FIRST 120 DAYS" for "THE FIRST 90 DAYS" in two places; and in (D), substituted "one hundred twenty days" for "ninety days".
SC Code § 38-75-1210 (2021)
2021 South Carolina Code of Laws|Title 38 - Insurance|Chapter 75 - Property, Casualty, And Title Insurance Generally|Section 38-75-1210. Prohibited grounds for refusal to issue policy or determination of premiums; penalties.

 (A)(1) An insurer or agent may not refuse to issue an insurance policy as defined in this article because of any one or more of the following factors:  (a) age;  (b) sex;  (c) race;  (d) color;  (e) creed;  (f) national origin;  (g) ancestry;  (h) marital status; or  (i) income level.  (2) An insurer or agent may not refuse to issue an insurance policy defined in this article only because of any one of the following factors:  (a) the previous refusal of property insurance by another insurer; or  (b) lawful occupation, including the military service, of the person seeking the coverage.  (3) Nothing in this section prohibits an insurer from limiting the issuance of insurance policies covered in this article only to persons engaging in or who have engaged in a particular profession or occupation, or who are members of a particular religious sect.  (4) Nothing in this section prohibits an insurer from setting rates in accordance with relevant actuarial data.  (5) Nothing in this section prohibits an insurer from refusing to issue policies of insurance due to the catastrophe exposure of wind.  (B)(1) In determining the premium rates to be charged for an insurance policy covered in this article, it is unlawful to consider:  (a) race;  (b) color;  (c) creed;  (d) religion;  (e) sex;  (f) national origin;  (g) ancestry;  (h) economic status; or  (i) income level.  (2) An insurer, agent, or a broker may not refuse to write an insurance policy covered in this article based upon:  (a) age;  (b) sex;  (c) race;  (d) color;  (e) creed;  (f) religion;  (g) national origin;  (h) ancestry;  (i) economic status; or  (j) income level.  (3) However, nothing in this subsection may preclude the use of a territorial plan approved by the director.  (C) An insurer or agent who violates this section is subject to the penalties as provided in Section 38-2-10. If the Director of the Department of Insurance or his designee finds that an insurer or agent is participating in a pattern of unfair discrimination, the director or his designee may impose a fine of up to two hundred thousand dollars. However, if the unfair discrimination is required by an insurer, only the insurer is subject to the penalty as long as the agent of the insurer has reported the pattern of unfair discrimination to the department. The director or his designee at any time may examine an insurer, agent, or a broker to enforce this section. The expense of examination must be paid by the insurer, agent, or broker.  HISTORY: 2004 Act No. 290, Section 2.A, eff six months after approval by the Governor (approved July 29, 2004).
SC Code § 38-75-1230 (2021)
2021 South Carolina Code of Laws|Title 38 - Insurance|Chapter 75 - Property, Casualty, And Title Insurance Generally|Section 38-75-1230. Wind and hail exclusions on fire, allied lines, or homeowner's policy.

 An insurer may not exclude wind and hail on a fire, allied lines, or homeowner's policy unless the property is in the area served by the South Carolina Wind and Hail Underwriting Association or the exclusion has been approved by the director or his designee.  HISTORY: 2004 Act No. 290, Section 2.A, eff six months after approval by the Governor (approved July 29, 2004).
SC Code § 38-75-1240 (2021)
2021 South Carolina Code of Laws|Title 38 - Insurance|Chapter 75 - Property, Casualty, And Title Insurance Generally|Section 38-75-1240. Provision to director of underwriting restrictions.

 An insurer shall provide upon the request of the director a listing of underwriting restrictions. These restrictions do not require approval of the director or his designee and are not public information.  HISTORY: 2004 Act No. 290, Section 2.A, eff six months after approval by the Governor (approved July 29, 2004); 2021 Act No. 13 (H.3585), Section 9, eff April 12, 2021.  Effect of Amendment  2021 Act No. 13, Section 9, in the first sentence, substituted "provide upon the request of the director a listing of underwriting restrictions" for "provide the director each year a listing of underwriting restrictions based upon geography and also provide notice of new changes to current underwriting restrictions".
SC Code § 38-77-10 (2021)
2021 South Carolina Code of Laws|Title 38 - Insurance|Chapter 77 - Automobile Insurance|Section 38-77-10. Declaration of purpose.

 In order to effect a complete reform of automobile insurance and insurance practices in South Carolina, the purposes of this chapter are to provide:  (1) that every automobile insurance risk which is insurable on the basis of the criteria established in this chapter is entitled to automobile insurance;  (2) for a residual market mechanism, known as the Associated Auto Insurers Plan, for every person who is legally entitled to automobile insurance but has not been able to obtain a motor vehicle liability policy to apply to the director of the Department of Insurance to have his risk assigned to an insurance carrier licensed to write and writing motor vehicle liability insurance in the State who shall issue a motor vehicle liability policy which will meet at least the minimum requirements for establishing financial responsibility in this chapter;  (3) prohibitions and penalties in respect to unfairly discriminatory or unfairly competitive practices having as their purpose or effect evasion of the coverages as provided in this chapter; and  (4) medical, surgical, funeral, and disability insurance benefits without regard to fault to be offered under automobile insurance policies that provide bodily injury and property damage liability insurance, or other security, for motor vehicles registered in this State.  HISTORY: Former 1976 Code Section 38-37-10 [1962 Code Section 37-591; 1974 (58) 2718; 1976 Act No. 694, Section 1] recodified as Section 38-77-30 by 1987 Act No. 155, Section 1; Former 1976 Code Section 38-37-110 [1962 Code Section 37-591.1; 1974 (58) 2718; 1987 Act No. 166, Section 1] recodified as Section 38-77-10 by 1987 Act No. 155, Section 1; 1988 Act No. 399, Section 4; 1993 Act No. 181, Section 801; 1996 Act No. 326, Section 4; 1997 Act No. 154, Section 6.
SC Code § 38-77-20 (2021)
2021 South Carolina Code of Laws|Title 38 - Insurance|Chapter 77 - Automobile Insurance|Section 38-77-20. Construction.

 This chapter is to be liberally construed in order to achieve its purposes.  HISTORY: Former 1976 Code Section 38-37-160 [1962 Code Section 37-591.3; 1974 (58) 2718] recodified as Section 38-77-20 by 1987 Act No. 155, Section 1.
SC Code § 38-77-112 (2021)
2021 South Carolina Code of Laws|Title 38 - Insurance|Chapter 77 - Automobile Insurance|Section 38-77-112. Automobile insurers not required to write coverage for automobile insurance for any applicants or existing policyholders.

 An automobile insurer is not required to write coverage for automobile insurance as defined in Section 38-77-30 for an applicant or existing policyholder. An insurer or producer shall retain, for at least three years, a record of its refusals of coverage including the reason for the refusal and shall furnish this information upon the request of the Director of the Department of Insurance or his designee.  HISTORY: Former 1976 Code Section 38-37-315 [1987 Act No. 166, Section 5] recodified as Section 38-77-112 by 1987 Act No. 155, Section 24; 1988 Act No. 399, Section 6; 1989 Act No. 148, Section 12; 1997 Act No. 154, Section 9; 2011 Act No. 8, Section 1, eff April 12, 2011.
SC Code § 38-77-113 (2021)
2021 South Carolina Code of Laws|Title 38 - Insurance|Chapter 77 - Automobile Insurance|Section 38-77-113. Conditions for waiver of license reinstatement fee.

 If a driver's license is suspended or revoked because the licensee is determined by the Department of Motor Vehicles to have no motor vehicle liability insurance, the Director of the Department of Motor Vehicles or his designee shall waive the reinstatement fee imposed pursuant to Section 56-1-390 if the licensee had motor vehicle liability coverage when his license was suspended or revoked and shall document the reasons for waiving the fee in the records of the Department of Motor Vehicles.  HISTORY: 1992 Act No. 427, Section 3; 1992 Act No. 443, Section 3; 1993 Act No. 181, Section 804; 1996 Act No. 459, Section 62.
SC Code § 38-77-114 (2021)
2021 South Carolina Code of Laws|Title 38 - Insurance|Chapter 77 - Automobile Insurance|Section 38-77-114. Review and reports on impact of repeal of antirebate laws concerning sale of automobile insurance.

 Beginning on March 1, 2000 the director of the Department of Insurance shall review annually the impact of the repeal of the antirebate statutes concerning the sale of automobile insurance in South Carolina pursuant to this act and shall report annually to the General Assembly his findings and recommendations, if any, along with the data and supporting information which the director utilized. In his review, the director shall evaluate the following, but is not limited to: the impact on automobile insurance premiums; any pattern of an insurance carrier, agent, broker, and others concerning the practice of rebating; any pattern of discrimination regarding the insured or policyholder, agent, broker, insurance carrier, or others; the impact on the automobile insurance industry, such as additional market entrants, number of insurance carriers, agents, or others who engage in this practice, or any change in the number of companies writing automobile insurance or of agents selling automobile insurance; and any complaints received by or made to the Department of Insurance concerning rebates in the sale of automobile insurance or regarding the repeal of the antirebate statutes concerning the sale of automobile insurance in South Carolina. The initial report by the director of the Department of Insurance shall be submitted to the General Assembly by May 1, 2000 and notwithstanding any other provision of law, the director shall begin collecting data, material, and any information needed for this initial report on March 1, 1999. All subsequent reports shall be submitted to the General Assembly no later than March first of each year. Notwithstanding any other provision of law, the director of the Department of Insurance shall make his final report on this matter to the General Assembly as provided herein on March 1, 2003 unless otherwise directed by the General Assembly; however, the director may at his discretion continue to submit a report to the General Assembly regarding this matter at any time after March 1, 2003 and shall continue to monitor the impact of the repeal of the antirebate statutes concerning the sale of automobile insurance in South Carolina pursuant to this act. The director may promulgate regulations in order to carry out the requirements of this section.  HISTORY: 1997 Act No. 154, Section 27.
SC Code § 38-77-121 (2021)
2021 South Carolina Code of Laws|Title 38 - Insurance|Chapter 77 - Automobile Insurance|Section 38-77-121. Application for original issuance of policy of insurance covering liability; cancellation notice; disclosure of previous cancellation or refusal to renew.

 (A) Any application for the original issuance of a policy of insurance covering liability arising out of the ownership, maintenance, or use of any motor vehicle as defined in Section 38-77-30 must have the following statement printed on or attached to the first page of the application form, in boldface type: "THE INSURER CAN CANCEL THIS POLICY FOR WHICH YOU ARE APPLYING WITHOUT CAUSE DURING THE FIRST 90 DAYS. THAT IS THE INSURER'S CHOICE. AFTER THE FIRST 90 DAYS, THE INSURER CAN ONLY CANCEL THIS POLICY FOR REASONS STATED IN THE POLICY."  (B) Any application for the original issuance of a policy of insurance covering liability arising out of the ownership, maintenance, or use of any motor vehicle defined in Section 38-77-30 that requires the insured to disclose information as to any previous cancellation or refusal to renew must also permit the insured to offer or provide a full explanation of the reason for the cancellation or refusal to renew.  (C) The notice required by this section must accompany the initial declarations page in the event the applicant is not provided a written copy at the time of the application and the coverage has been bound by the insurer.  (D) The insurer may cancel without cause at any time in the first ninety days during which the policy is in effect subject to Section 38-77-122.  This section does not apply to the renewal of any policy of insurance.  HISTORY: 1997 Act No. 154, Section 11.
SC Code § 38-77-122 (2021)
2021 South Carolina Code of Laws|Title 38 - Insurance|Chapter 77 - Automobile Insurance|Section 38-77-122. Insurers and agents prohibited from refusing to issue automobile insurance policies due to certain factors; prohibited factors for premium rates.

 (A) No insurer or agent shall refuse to issue an automobile insurance policy as defined in Section 38-77-30 because of any one or more of the following factors: the age, sex, location of residence in this State, race, color, creed, national origin, ancestry, marital status, or income level. No insurer or agent shall refuse to issue an automobile insurance policy as defined in Section 38-77-30 solely because of any one of the following factors: the previous refusal of automobile insurance by another insurer, prior purchase of insurance through the Associated Auto Insurers Plan, or lawful occupation, including the military service, of the person seeking the coverage. Nothing in this section prohibits any insurer from limiting the issuance of motor vehicle insurance policies only to persons engaging in or who have engaged in a particular profession or occupation, or who are members of a particular religious sect.  Nothing in this section prohibits any insurer from setting rates in accordance with relevant actuarial data.  (B) In determining the premium rates to be charged for an automobile insurance policy as defined in Section 38-77-30, it is unlawful to consider race, color, creed, religion, national origin, ancestry, location of residence in this State, economic status, or income level. Nor may an insurer, agent, or broker refuse to write or renew an automobile insurance policy as defined in Section 38-77-30 based upon age, sex, race, color, creed, religion, national origin, ancestry, location of residence in this State, economic status, or income level. However, nothing in this subsection may preclude the use of a territorial plan approved by the director. Any insurer or agent who violates this section shall be subject to the penalties as provided in Section 38-2-10. If the director of the Department of Insurance or his designee finds that an insurer or agent is participating in a pattern of unfair discrimination, the director or his designee may impose a fine of up to two hundred thousand dollars. Provided, however, if the unfair discrimination is required by an insurer, only the insurer is subject to the penalty as long as the agent of the insurer has reported the pattern of unfair discrimination to the department. The director or his designee at any time may examine an insurer or agent to enforce this section. The expense of examination must be paid by the insurer, agent, or broker.  HISTORY: 1997 Act No. 154, Section 11.
SC Code § 38-77-124 (2021)
2021 South Carolina Code of Laws|Title 38 - Insurance|Chapter 77 - Automobile Insurance|Section 38-77-124. Refusal to issue or renew automobile insurance policy on basis of location of residence.

 (A) Notwithstanding the provisions of Sections 38-77-122 and 38-77-123, an insurer may refuse to issue or renew an automobile insurance policy as defined in Section 38-77-30 on the basis of location of residence where the insurer has filed with the director a territorial plan setting forth the precise geographic areas of the state in which it will issue or renew policies. This territorial plan may not limit issuances or renewals to areas at any level smaller than a county, except that an insurer may include in its territorial plan an area smaller than a county which is contiguous to a whole county contained within the territorial plan provided, that the inclusion in the territorial plan of any such area at a level smaller than a county does not have the effect of excluding populations based upon any factors set out in Section 38-77-122(A) or Section 38-77-123(A)(1). The director must reject any territorial plan which violates the provisions of this section.  (B) No insurer or agent shall refuse to issue or fail to renew a policy of motor vehicle liability insurance solely because of the age of the motor vehicle to be insured, provided the motor vehicle is licensed.  HISTORY: 1997 Act No. 154, Section 11.
SC Code § 38-77-125 (2021)
2021 South Carolina Code of Laws|Title 38 - Insurance|Chapter 77 - Automobile Insurance|Section 38-77-125. Name, address, and telephone number of insurance company must be stated or provided.

 Every automobile insurance policy or other policy containing automobile insurance coverage on the face of the policy must state the complete name of the company issuing the policy, its address, and telephone number.  HISTORY: 1988 Act No. 564; 2000 Act No. 312, Section 22.
SC Code § 38-77-126 (2021)
2021 South Carolina Code of Laws|Title 38 - Insurance|Chapter 77 - Automobile Insurance|Section 38-77-126. Disclosure where rate level higher than lowest tier for that insurer or group.

 Insurers must disclose to the insured if the rate level is higher than the lowest rate level tier for that insurer or the group to which the insurer is a member. The insurer must provide in writing the reason for the higher tier.  HISTORY: 1997 Act No. 154, Section 11.
SC Code § 38-77-127 (2021)
2021 South Carolina Code of Laws|Title 38 - Insurance|Chapter 77 - Automobile Insurance|Section 38-77-127. Insurer may issue verification of coverage electronically.

 (A) An automobile insurer may issue verification concerning the existence of coverage it provides an insured in an electronic format to a mobile electronic device upon request of the insured.  (B) For purposes of this section, "mobile electronic device" means a portable computing and communication device that has a display screen with touch input or a miniature keyboard and is capable of receiving information transmitted in an electronic format.  HISTORY: 2014 Act No. 128 (H.3623), Section 1, eff March 4, 2014.
SC Code § 38-77-130 (2021)
2021 South Carolina Code of Laws|Title 38 - Insurance|Chapter 77 - Automobile Insurance|Section 38-77-130. Group automobile insurance; rate.

 An automobile insurer may negotiate and contract for the sale of automobile insurance with any bona fide group of twenty or more persons who are employed by a common employer or who have been members for six months or more of a fraternal order, labor union, or employment association. The insurer may negotiate, enter a contractual relationship, and service the contract solely and directly with the bona fide representative of the group. An insurance contract sold on the basis of a group plan or contract shall have a rate not less than five percent less than the individual rate for which the insurer markets a substantially similar policy.  HISTORY: Former 1976 Code Sections 38-37-340 [1962 Code Section 37-591.14; 1974 (58) 2718] and 38-37-350 [1962 Code Section 37-591.15; 1974 (58) 2718] recodified as Section 38-77-130 by 1987 Act No. 155, Section 1.