reglab/housing_qa huggingface dataset:
RI Gen L § 27-9.1-1 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-9.1 - Unfair Claims Settlement Practices Act|Section 27-9.1-1 - Purpose.

§ 27-9.1-1. Purpose.The purpose of this chapter is to set forth standards for the investigation and disposition of claims arising under policies or certificates of insurance issued to residents of Rhode Island. It is not intended to cover claims involving workers' compensation, fidelity, suretyship or boiler and machinery insurance. Nothing contained in this chapter shall be construed to create or imply a private cause of action for violation of this chapter.History of Section.P.L. 1993, ch. 37, § 1; P.L. 1993, ch. 227, § 1.
RI Gen L § 27-9.1-2 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-9.1 - Unfair Claims Settlement Practices Act|Section 27-9.1-2 - Definitions.

§ 27-9.1-2. Definitions.When used in this chapter:(1) "Director" means the director of business regulation;(2) "Insured" means the party named on a policy or certificate as the individual with legal rights to the benefits provided by the policy;(3) "Insurer" means any person, reciprocal exchange, inter-insurer, Lloyds insurer, fraternal benefit society, and any other legal entity engaged in the business of insurance, including insurance producers, adjusters and third party administrators. Insurer shall also mean a nonprofit hospital and/or medical service corporation, a nonprofit dental service corporation, a nonprofit optometric service corporation, a nonprofit legal service corporation, a health maintenance organization as defined in chapter 41 of this title or as defined in chapter 62 of title 42, or any other entity providing a plan of health benefits subject to state insurance regulation. Notwithstanding §§ 27-19-2, 27-20-2, 27-20.1-2, 27-20.2-2, 27-20.3-2, and 27-41-22, for purposes of this chapter, these entities shall be deemed to be engaged in the business of insurance;(4) "Person" means any natural or artificial entity, including, but not limited to, individuals, partnerships, associations, trusts, or corporations; and(5) "Policy" or "certificate" means any contract of insurance, indemnity, medical, health or hospital service, or annuity issued. "Policy" or "certificate" for the purposes of this chapter shall not mean contracts or workers' compensation, fidelity, suretyship or boiler and machinery insurance.History of Section.P.L. 1993, ch. 37, § 1; P.L. 1993, ch. 227, § 1.
RI Gen L § 27-9.1-3 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-9.1 - Unfair Claims Settlement Practices Act|Section 27-9.1-3 - Unfair claims settlement practices prohibited.

§ 27-9.1-3. Unfair claims settlement practices prohibited.It is an improper claims practice for any domestic, foreign, or alien insurer transacting business in this state to commit any act defined in § 27-9.1-4 of this chapter if:(1) It is committed flagrantly and in conscious disregard of this chapter or any rules promulgated pursuant to this chapter; or(2) It has been committed with a frequency as to indicate a general business practice to engage in that type of conduct.History of Section.P.L. 1993, ch. 37, § 1; P.L. 1993, ch. 227, § 1.
RI Gen L § 27-9.1-4.1 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-9.1 - Unfair Claims Settlement Practices Act|Section 27-9.1-4.1 - Amounts received in settlement of claims retained for unpaid premiums.

§ 27-9.1-4.1. Amounts received in settlement of claims retained for unpaid premiums.(a) Any insurance company or insurance producer may retain an amount equal to any unpaid premiums due on the policy under which a claim is being presented when settling any presented claim for an insured; provided, that:(1) The unpaid premium remains unpaid sixty (60) days after the effective date of the policy or the date of the original billing of the premium, whichever occurs later;(2) The insurance company shall pay to the insurance producer, upon written documentation submitted by the insurance agent or broker of the unpaid premium due, the amount equal to the unpaid premium due the insurance producer from the amount of the claim being presented and the balance of the claim be paid to the insured and/or loss payee or mortgagee named in the policy.(b) This section shall not apply to any health insurance policy within the state.History of Section.P.L. 2005, ch. 69, § 4; P.L. 2005, ch. 79, § 4.
RI Gen L § 27-9.1-5 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-9.1 - Unfair Claims Settlement Practices Act|Section 27-9.1-5 - Response and statement of charges.

§ 27-9.1-5. Response and statement of charges.The director shall provide an initial response within two (2) weeks to any written consumer complaint containing specific and credible allegation of an unfair claims settlement practice punishable pursuant to this chapter. Whenever the director has reasonable cause to believe that any insurer doing business in this state is engaging in any unfair claims practice and that a proceeding in respect to the practice would be in the public interest, the director shall issue and serve upon the insurer a statement of the charges in that respect and a notice of hearing, which notice shall set a hearing date not less than thirty (30) days from the date of the notice.History of Section.P.L. 1993, ch. 37, § 1; P.L. 1993, ch. 227, § 1.
RI Gen L § 27-9.1-6 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-9.1 - Unfair Claims Settlement Practices Act|Section 27-9.1-6 - Cease and desist and penalty orders.

§ 27-9.1-6. Cease and desist and penalty orders.If, after a hearing, the director finds an insurer has engaged in an unfair claims practice, the director shall reduce the findings to writing and shall issue and cause to be served upon the insurer charged with the violation a copy of the findings and an order requiring the insurer to cease and desist from engaging in the act or practice and the director may, at the director's discretion, order:(1) Payment of a monetary penalty of not more than ten thousand dollars ($10,000) for each violation, but not to exceed an aggregate penalty of one hundred thousand dollars ($100,000), unless the violation was committed flagrantly and in conscious disregard of this chapter, in which case the penalty shall not be more than twenty-five thousand dollars ($25,000) for each violation, but not to exceed an aggregate penalty of two hundred fifty thousand dollars ($250,000) pursuant to any hearing; and/or(2) Suspension or revocation of the insurer's license if the insurer knew or reasonably should have known it was in violation of this chapter.History of Section.P.L. 1993, ch. 37, § 1; P.L. 1993, ch. 227, § 1.
RI Gen L § 27-9.1-7 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-9.1 - Unfair Claims Settlement Practices Act|Section 27-9.1-7 - Penalty for violation of cease and desist orders.

§ 27-9.1-7. Penalty for violation of cease and desist orders.Any insurer which violates a cease and desist order of the director and, while the order is in effect, may, after notice and hearing and upon order of the director, be subject, at the discretion of the director, to:(1) A monetary penalty of not more than twenty-five thousand dollars ($25,000) for each and every act or violation not to exceed an aggregate of two hundred fifty thousand dollars ($250,000) pursuant to any hearing; and/or(2) Suspension or revocation of the insurer's license.History of Section.P.L. 1993, ch. 37, § 1; P.L. 1993, ch. 227, § 1.
RI Gen L § 27-9.1-8 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-9.1 - Unfair Claims Settlement Practices Act|Section 27-9.1-8 - Regulations.

§ 27-9.1-8. Regulations.The director may, after notice and a hearing, promulgate reasonable rules, regulations, and orders as are necessary or proper to carry out and effectuate the provisions of this chapter. The regulations shall be subject to review in accordance with § 42-35-7.History of Section.P.L. 1993, ch. 37, § 1; P.L. 1993, ch. 227, § 1.
RI Gen L § 27-9.1-9 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-9.1 - Unfair Claims Settlement Practices Act|Section 27-9.1-9 - Severability.

§ 27-9.1-9. Severability.If any provision of this chapter or the application of the provision to any person or circumstances shall be held invalid, the remainder of the chapter and the application of the provision to any person or circumstances other than those as to which it is held invalid shall not be affected by that invalidity.History of Section.P.L. 1993, ch. 37, § 1; P.L. 1993, ch. 227, § 1.
RI Gen L § 27-9.2-1 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-9.2 - Independent Medical Examinations|Section 27-9.2-1 - Independent medical examinations.

§ 27-9.2-1. Independent medical examinations.When the medical condition of a person is material to a first or third party automobile insurance claim that has been or may be made for past or future medical payment benefits, the person shall submit to a noninvasive medical examination by physicians. Every automobile insurance policy issued in this state shall include reasonable provisions for an examination of persons claiming medical payment benefits.History of Section.P.L. 1993, ch. 184, § 1.
RI Gen L § 27-9.2-2 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-9.2 - Independent Medical Examinations|Section 27-9.2-2 - Appointment of independent medical examiner.

§ 27-9.2-2. Appointment of independent medical examiner.(a) When a person is required to submit to an independent medical examination pursuant to § 27-9.2-1, the examination will be conducted by an impartial, competent physician approved by the medical advisory board of the workers' compensation court, as defined in § 28-30-22.(b) The expense of the examination shall be paid by the automobile insurance company making the request for the examination.History of Section.P.L. 1993, ch. 184, § 1.
RI Gen L § 27-9.2-3 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-9.2 - Independent Medical Examinations|Section 27-9.2-3 - Reports of independent medical examinations.

§ 27-9.2-3. Reports of independent medical examinations.If requested by a person examined, a party causing an examination to be made shall deliver to the person a copy of every written report concerning the examination rendered by an examining physician, at least one of which reports shall set out any findings and conclusions in detail. The person shall receive a copy of the findings of the independent medical examination within thirty (30) days of the request.History of Section.P.L. 1993, ch. 184, § 1.
RI Gen L § 27-9.2-4 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-9.2 - Independent Medical Examinations|Section 27-9.2-4 - "Physician" defined.

§ 27-9.2-4. "Physician" defined."Physician" as used in this chapter means medical doctor, surgeon, dentist, chiropractor, osteopath, podiatrist and optometrist.History of Section.P.L. 1993, ch. 184, § 1.
RI Gen L § 27-9.2-5 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-9.2 - Independent Medical Examinations|Section 27-9.2-5 - Rules and regulations.

§ 27-9.2-5. Rules and regulations.The insurance commissioner may promulgate rules and regulations to carry out the purposes of this chapter.History of Section.P.L. 1993, ch. 184, § 1.
RI Gen L § 27-9.3-1 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-9.3 - State Structured Settlement Protection Act|Section 27-9.3-1 - Short title.

§ 27-9.3-1. Short title.This chapter shall be known and referred to as the "Structured Settlement Protection Act."History of Section.P.L. 2001, ch. 226, § 1.
RI Gen L § 27-9.3-3 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-9.3 - State Structured Settlement Protection Act|Section 27-9.3-3 - Required disclosures to payee.

§ 27-9.3-3. Required disclosures to payee.Not less than three (3) days prior to the date on which a payee signs a transfer agreement, the transferee shall provide to the payee a separate disclosure statement, in bold type no smaller than fourteen (14) points, setting forth:(1) The amounts and due dates of the structured settlement payments to be transferred;(2) The aggregate amount of these payments;(3) The discounted present value of the payments to be transferred, which shall be identified as the "calculation of current value of the transferred structured settlement payments under federal standards for valuing annuities," and the amount of the applicable federal rate used in calculating the discounted present value;(4) The gross advance amount;(5) An itemized listing of all applicable transfer expenses, other than attorneys' fees and related disbursements payable in connection with the transferee's application for approval of the transfer, and the transferee's best estimate of the amount of the fees and disbursements;(6) The net advance amount;(7) The amount of any penalties or liquidated damages payable by the payee in the event of any breach of the transfer agreement by the payee; and(8) A statement that the payee has the right to cancel the transfer agreement, without penalty or further obligation, not later than the third (3rd) business day after the date the agreement is signed by the payee.History of Section.P.L. 2001, ch. 226, § 1.
RI Gen L § 27-9.3-4 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-9.3 - State Structured Settlement Protection Act|Section 27-9.3-4 - Approval of transfers of structured settlement payment rights.

§ 27-9.3-4. Approval of transfers of structured settlement payment rights.(a) No direct or indirect transfer of structured settlement payment rights shall be effective and no structured settlement obligor or annuity issuer shall be required to make any payment directly or indirectly to any transferee of structured settlement payment rights unless the transfer has been approved in advance by a final court order of the superior court for the county in which the payee resides finding that:(1) The transfer is in the best interest of the payee, taking into account the welfare and support of the payee's dependents; and(2) The payee has been advised in writing by the transferee to seek independent professional advice regarding the transfer and has either received independent professional advice or knowingly waived the advice in writing; and(3) The transfer does not contravene any applicable statute or the order of any court or other government authority.(b) The payee shall have the right to cancel the transfer agreement, without penalty or further obligation, not later than the third (3rd) business day after the date the transfer agreement is signed by the payee.History of Section.P.L. 2001, ch. 226, § 1.
RI Gen L § 27-9.3-5 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-9.3 - State Structured Settlement Protection Act|Section 27-9.3-5 - Effects of transfer of structured settlement payment rights.

§ 27-9.3-5. Effects of transfer of structured settlement payment rights.Following a transfer of structured settlement payment rights under this chapter:(1) The structured settlement obligor and the annuity issuer shall, as to all parties except the transferee, be discharged and released from any and all liability for the transferred payments;(2) The transferee shall be liable to the structured settlement obligor and the annuity issuer:(i) If the transfer contravenes the terms of the structured settlement, for any taxes incurred by the parties as a consequence of the transfer; and(ii) For any other liabilities or costs, including reasonable costs and attorneys' fees, arising from compliance by the parties with the order of the superior court or arising as a consequence of the transferee's failure to comply with this chapter;(3) Neither the annuity issuer nor the structured settlement obligor may be required to divide any periodic payment between the payee and any transferee or assignee or between two (2) (or more) transferees or assignees; and(4) Any further transfer of structured settlement payment rights by the payee may be made only after compliance with all of the requirements of this chapter.History of Section.P.L. 2001, ch. 226, § 1.
RI Gen L § 27-9.3-6 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-9.3 - State Structured Settlement Protection Act|Section 27-9.3-6 - Procedure for approval of transfers.

§ 27-9.3-6. Procedure for approval of transfers.(a) An application under this chapter for approval of a transfer of structured settlement payment rights shall be made by the transferee and shall be brought in the superior court for the county in which the payee resides.(b) Not less than twenty (20) days prior to the scheduled hearing on any application for approval of a transfer of structured settlement payment rights under § 27-9.3-4, the transferee shall file with the court and serve on all interested parties a notice of the proposed transfer and the application for its authorization, including with the notice:(1) A copy of the transferee's application;(2) A copy of the transfer agreement;(3) A copy of the disclosure statement required under § 27-9.3-3;(4) A listing of each of the payee's dependents, together with each dependent's age;(5) Notification that any interested party is entitled to support, oppose or respond to the transferee's application, either in person or by counsel, by submitting written comments to the court or responsible administrative authority or by participating in the hearing; and(6) Notification of the time and place of the hearing and notification of the manner in which and the time by which written responses to the application must be filed (which shall be not less than fifteen (15) days after service of the transferee's notice) in order to be considered by the court or responsible administrative authority.History of Section.P.L. 2001, ch. 226, § 1.
RI Gen L § 27-9.3-7 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-9.3 - State Structured Settlement Protection Act|Section 27-9.3-7 - General provisions - Construction.

§ 27-9.3-7. General provisions — Construction.(a) The provisions of this chapter may not be waived by any payee.(b) Any transfer agreement entered into on or after July 13, 2001 by a payee who resides in this state shall provide that disputes under the transfer agreement, including any claim that the payee has breached the agreement, shall be determined in and under the laws of this state. No transfer agreement shall authorize the transferee or any other party to confess judgment or consent to entry of judgment against the payee.(c) No transfer of structured settlement payment rights shall extend to any payments that are life-contingent unless, prior to the date on which the payee signs the transfer agreement, the transferee has established and has agreed to maintain procedures reasonably satisfactory to the annuity issuer and the structured settlement obligor for: (1) periodically confirming the payee's survival, and (2) giving the annuity issuer and the structured settlement obligor prompt written notice in the event of the payee's death.(d) No payee who proposes to make a transfer of structured settlement payment rights shall incur any penalty, forfeit any application fee or other payment, or incur any liability to the proposed transferee or any assignee based on any failure of the transfer to satisfy the conditions of this chapter.(e) Nothing contained in this chapter shall be construed to authorize any transfer of structured settlement payment rights in contravention of any law or to imply that any transfer under a transfer agreement entered into prior to July 13, 2001 is valid or invalid.(f) Compliance with the requirements set forth in § 27-9.3-3 and fulfillment of the conditions set forth in § 27-9.3-4 shall be solely the responsibility of the transferee in any transfer of structured settlement payment rights, and neither the structured settlement obligor nor the annuity issuer shall bear any responsibility for, or any liability arising from, noncompliance with the requirements or failure to fulfill the conditions.History of Section.P.L. 2001, ch. 226, § 1.
RI Gen L § 27-9.4-1 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-9.4 - Insurance Binders as Evidence of Coverage|Section 27-9.4-1 - Short title.

§ 27-9.4-1. Short title.This chapter shall be known and may be cited as the "Model Act Regarding Use of Property and Casualty Insurance Binders as Evidence of Coverage."History of Section.P.L. 2013, ch. 19, § 1; P.L. 2013, ch. 22, § 1.
RI Gen L § 27-9.4-2 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-9.4 - Insurance Binders as Evidence of Coverage|Section 27-9.4-2 - Purpose.

§ 27-9.4-2. Purpose.This chapter requires that property and casualty insurance binders obligate coverage until a policy is issued or cancelled.History of Section.P.L. 2013, ch. 19, § 1; P.L. 2013, ch. 22, § 1.
RI Gen L § 27-9.4-3 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-9.4 - Insurance Binders as Evidence of Coverage|Section 27-9.4-3 - Definitions.

§ 27-9.4-3. Definitions.As used in this chapter:(1) "Insurance binder" means a written temporary contract of insurance authorized by an insurer issued prior to the insurance policy that includes:(i) The name and address of the insured and any additional named insureds, mortgagees, or lienholders;(ii) A description of the property insured;(iii) A description of the nature and amount of coverage;(iv) The identity of the insurer and of the authorized representative executing the binder;(v) The effective and expiration date of coverage; and(vi) The binder number or the policy number where applicable to a policy extension.(2) "Insurance policy" means a contract of insurance describing the term, coverage, premiums, and deductibles.(3) "Insured" means the person, group, or property for which an insurance policy is issued.(4) "Insurer" means any organization that issues property or casualty insurance.(5) "Lender" means an individual, partnership, corporation, association, or other entity, or loan servicer acting on behalf of such party, who lends money and receives or otherwise acquires a mortgage, a lien, a deed of trust, or any other security interest in or on any real or personal property as security for the loan.History of Section.P.L. 2013, ch. 19, § 1; P.L. 2013, ch. 22, § 1.
RI Gen L § 27-9.4-4 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-9.4 - Insurance Binders as Evidence of Coverage|Section 27-9.4-4 - Insurer obligations.

§ 27-9.4-4. Insurer obligations.An insurer that provides an insurance binder is obligated to provide the coverage according to the terms of such binder until the insurer issues the insurance policy or cancels the binder.History of Section.P.L. 2013, ch. 19, § 1; P.L. 2013, ch. 22, § 1.
RI Gen L § 27-9.4-5 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-9.4 - Insurance Binders as Evidence of Coverage|Section 27-9.4-5 - Penalties.

§ 27-9.4-5. Penalties.Any person or entity who violates this chapter may be subject to action pursuant to § 42-14-16.History of Section.P.L. 2013, ch. 19, § 1; P.L. 2013, ch. 22, § 1.
RI Gen L § 27-10-1 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-10 - Claim Adjusters|Section 27-10-1 - Purpose and scope.

§ 27-10-1. Purpose and scope.This chapter governs the qualifications and procedures for the licensing of: (1) Public adjusters; (2) Company adjusters; and (3) Independent adjusters. It specifies the duties of, and restrictions on, public, company, and independent adjusters. The restrictions on public adjusters include limiting their licensure to assisting insureds in first-party claims.History of Section.P.L. 1956, ch. 3790, § 1; G.L. 1956, § 27-10-1; P.L. 1985, ch. 169, §§ 1, 2; P.L. 2007, ch. 404, § 1; P.L. 2008, ch. 475, § 79; P.L. 2014, ch. 107, § 1; P.L. 2014, ch. 195, § 1.