reglab/housing_qa huggingface dataset:
IN Code § 27-4-1-5.6 (2021)
2021 Indiana Code|Title 27. Insurance|Article 4. Unfair Competition; Unauthorized Insurers; Foreign Insurers|Chapter 1. Unfair Competition; Unfair or Deceptive Acts and Practices|27-4-1-5.6. Unfair Claim Settlement Practice Complaint; Response; Investigation; Report; Notice of Remedies

Sec. 5.6. (a) A person who believes the person has been adversely affected by an unfair claim settlement practice under section 4.5 of this chapter may file a complaint with the commissioner. If the commissioner believes an unfair claim settlement practice has occurred, the commissioner shall, within ten (10) business days from the date of receipt of a written complaint, deliver a copy of the complaint to the insurer and shall respond in writing to the complaining party, at the address provided in the complaint, advising the party of the following:(1) The specific action taken by the department on the complaint.(2) Any further investigations or other actions that are intended by the department.(b) An insurer who receives a written notice of complaint under subsection (a) shall promptly conduct an investigation of the matters alleged in the complaint. Within twenty (20) business days from the date of receipt of the complaint, the insurer shall provide to the commissioner and the complaining party a written report containing the following information:(1) The specific reasons for actions taken by the insurer with respect to the claim.(2) The specific reasons for any inaction by the insurer with respect to the claim.(3) If the claim has not been settled, a good faith estimate of the time required for settlement.(c) An insurer who commits an unfair claims settlement practice or who fails to comply with this section is subject to action by the commissioner under section 6 of this chapter.(d) Each insurer shall provide to each current policyholder a one (1) time written notice of the remedies provided under this section. Future policyholders shall be notified by the insurer at the time the insurance policy is issued.As added by P.L.1-1991, SEC.166.
IN Code § 27-4-1-6 (2021)
2021 Indiana Code|Title 27. Insurance|Article 4. Unfair Competition; Unauthorized Insurers; Foreign Insurers|Chapter 1. Unfair Competition; Unfair or Deceptive Acts and Practices|27-4-1-6. Cease and Desist Order; Penalties

Sec. 6. (a) If after a hearing under IC 4-21.5-3, the commissioner determines that the method of competition or the act or practice in question is defined in section 4 of this chapter and that the person complained of has engaged in such method of competition, act, or practice in violation of this chapter, he shall reduce his findings to writing and shall issue and cause to be served on the person charged with the violation an order requiring such person to cease and desist from such method of competition, act, or practice, and the commissioner may at his discretion order one (1) or more of the following:(1) Payment of a civil penalty of not more than twenty-five thousand dollars ($25,000) for each act or violation. If the person knew or reasonably should have known that he was in violation of this chapter, the penalty may be not more than fifty thousand dollars ($50,000) for each act or violation.(2) Suspension or revocation of the person's license, or certificate of authority, if he knew or reasonably should have known he was in violation of this chapter.(b) In determining the amount of a civil penalty under subsection (a)(1), the commissioner shall consider the remediation efforts undertaken by the person.(c) All civil penalties imposed and collected under this section shall be deposited in the state general fund.Formerly: Acts 1947, c.112, s.6. As amended by P.L.259-1983, SEC.3; P.L.7-1987, SEC.146; P.L.121-1990, SEC.4; P.L.149-1990, SEC.2; P.L.203-2001, SEC.8.
IN Code § 27-4-1-7 (2021)
2021 Indiana Code|Title 27. Insurance|Article 4. Unfair Competition; Unauthorized Insurers; Foreign Insurers|Chapter 1. Unfair Competition; Unfair or Deceptive Acts and Practices|27-4-1-7. Judicial Review; Civil Enforcement Orders

Sec. 7. (a) Any person required by an order of the commissioner under section 6 of this chapter to cease and desist from engaging in any unfair method of competition or any unfair or deceptive act or practice defined in section 4 of this chapter may obtain judicial review of such order under IC 4-21.5-5.(b) The commissioner may file a petition for civil enforcement of an order under IC 4-21.5-6.Formerly: Acts 1947, c.112, s.7. As amended by P.L.252-1985, SEC.148; P.L.7-1987, SEC.147.
IN Code § 27-4-1-8 (2021)
2021 Indiana Code|Title 27. Insurance|Article 4. Unfair Competition; Unauthorized Insurers; Foreign Insurers|Chapter 1. Unfair Competition; Unfair or Deceptive Acts and Practices|27-4-1-8. Determination of Additional Methods of Unfair Competition or Deceptive Acts or Practices; Notice and Hearing

Sec. 8. Whenever the commissioner shall have reason to believe that any person engaged in the business of insurance is engaging in this state in any method of competition or in any act or practice in the conduct of such business which is not defined in section 4 of this chapter, that such method of competition is unfair, or that such act or practice is unfair or deceptive, and that a proceeding by him in respect thereto would be to the interest of the public, he may issue and cause to be served upon such person a statement of the charges in that respect and a notice of a hearing thereon. Each such hearing shall be conducted under IC 4-21.5-3 in the same manner as the hearings provided for in section 5 of this chapter.Formerly: Acts 1947, c.112, s.8. As amended by P.L.252-1985, SEC.149; P.L.7-1987, SEC.148.
IN Code § 27-4-1-9 (2021)
2021 Indiana Code|Title 27. Insurance|Article 4. Unfair Competition; Unauthorized Insurers; Foreign Insurers|Chapter 1. Unfair Competition; Unfair or Deceptive Acts and Practices|27-4-1-9. Judicial Review

Sec. 9. Any party to a proceeding under this chapter, including any intervenor, may obtain judicial review under IC 4-21.5-5.Formerly: Acts 1947, c.112, s.9. As amended by P.L.252-1985, SEC.150; P.L.7-1987, SEC.149.
IN Code § 27-4-1-10 (2021)
2021 Indiana Code|Title 27. Insurance|Article 4. Unfair Competition; Unauthorized Insurers; Foreign Insurers|Chapter 1. Unfair Competition; Unfair or Deceptive Acts and Practices|27-4-1-10. Application of Other Laws

Sec. 10. No order of the commissioner under this chapter or judgment of a court to enforce the same shall in any way relieve or absolve any person affected by such order from any liability under any other statute of this state.Formerly: Acts 1947, c.112, s.10. As amended by P.L.252-1985, SEC.151.
IN Code § 27-4-1-11 (2021)
2021 Indiana Code|Title 27. Insurance|Article 4. Unfair Competition; Unauthorized Insurers; Foreign Insurers|Chapter 1. Unfair Competition; Unfair or Deceptive Acts and Practices|27-4-1-11. Foreign or Alien Insurer's Unfair Competition or Unfair or Deceptive Practice by Periodical or Radio; Notice to Supervisory Official of Domiciliary State

Sec. 11. If any foreign or alien insurer engages in this state in an unfair method of competition or in an unfair or deceptive practice as defined in section 4(1) or 4(2) of this chapter by means of any advertisement, announcement, or statement, in any magazine or other periodical publication having a general circulation in more than five (5) states, or by means of any radio broadcast to more than five (5) states, including the state of domicile of such insurer, and if the laws of the state where such insurer is domiciled make provision for enjoining of such method of competition or practice, it shall be the duty of the commissioner to advise the insurance supervisory official of such domiciliary state of the violation in order that he may take appropriate action, but the commissioner shall have no authority to proceed, with respect to such violation, under either section 5 or 8 of this chapter. For the purpose of this section the domiciliary state of an alien insurer shall be deemed to be its state of entry, or the state of the principal office in the United States.Formerly: Acts 1947, c.112, s.11. As amended by P.L.252-1985, SEC.152.
IN Code § 27-4-1-12 (2021)
2021 Indiana Code|Title 27. Insurance|Article 4. Unfair Competition; Unauthorized Insurers; Foreign Insurers|Chapter 1. Unfair Competition; Unfair or Deceptive Acts and Practices|27-4-1-12. Violations; Penalties

Sec. 12. Any person who violates a cease and desist order of the commissioner under section 6 of this chapter, or an order of the court under IC 4-21.5, after it has become final, and while such order is in effect, may, after notice and hearing under IC 4-21.5 and upon order of the commissioner, be subject at the discretion of the commissioner to one (1) or more of the following:(1) A civil penalty of not more than twenty-five thousand dollars ($25,000) for each act or violation.(2) Suspension or revocation of the person's license or certificate of authority.Formerly: Acts 1947, c.112, s.12. As amended by P.L.259-1983, SEC.4; P.L.7-1987, SEC.150; P.L.121-1990, SEC.5; P.L.149-1990, SEC.3.
IN Code § 27-4-1-13 (2021)
2021 Indiana Code|Title 27. Insurance|Article 4. Unfair Competition; Unauthorized Insurers; Foreign Insurers|Chapter 1. Unfair Competition; Unfair or Deceptive Acts and Practices|27-4-1-13. Cumulative Powers and Remedies

Sec. 13. The powers vested in the commissioner and the department by this chapter shall be additional to any other powers to enforce any penalties or forfeitures authorized by law with respect to the methods, acts, and practices declared hereby to be unfair or deceptive.Formerly: Acts 1947, c.112, s.13. As amended by P.L.252-1985, SEC.153.
IN Code § 27-4-1-15 (2021)
2021 Indiana Code|Title 27. Insurance|Article 4. Unfair Competition; Unauthorized Insurers; Foreign Insurers|Chapter 1. Unfair Competition; Unfair or Deceptive Acts and Practices|27-4-1-15. Enforcement; Additional Personnel

Sec. 15. (a) For the purpose of maintaining the affirmative, active, and definite administration of the provisions of this chapter, the commissioner, with the approval of the governor, may appoint such additional actuaries, agents, deputies, examiners, assistants, stenographers, reporters, and other employees in the department as may be found necessary to carry out the provisions of this chapter. Except as otherwise provided in this chapter, such additional deputies, examiners, assistants, reporters, and employees so appointed shall be chosen for their fitness, either professional or practical, as the nature of the position may require, irrespective of their political beliefs or affiliations. The technical or professional qualifications of any applicant shall be determined by examination, professional rating, or otherwise, as the commissioner with the approval of the governor may determine. Subject to the approval of the governor and the state budget director, the salaries of such additional actuaries, agents, deputies, examiners, assistants, stenographers, reporters, and other employees shall be fixed by the commissioner. Any actuary agent, deputy, examiner, assistant, stenographer, or employee so employed may be removed at any time by the commissioner.(b) In the absence of the commissioner, he may, by written order, designate a deputy to conduct any hearing, and, in such case, such deputy commissioner shall possess and may exercise all powers of the commissioner with respect to the matter in hearing.(c) Neither the commissioner nor any actuary, deputy, examiner, assistant, or employee in the department shall be liable in their individual capacity, except to the state of Indiana, for any act done or omitted in connection with the performance of their respective duties under the provisions of this chapter.Formerly: Acts 1947, c.112, s.15. As amended by P.L.252-1985, SEC.155.
IN Code § 27-4-1-16 (2021)
2021 Indiana Code|Title 27. Insurance|Article 4. Unfair Competition; Unauthorized Insurers; Foreign Insurers|Chapter 1. Unfair Competition; Unfair or Deceptive Acts and Practices|27-4-1-16. Inapplicable Laws

Sec. 16. No provision of IC 4-22-2 shall be construed to apply to any hearings held or proceedings had pursuant to the provisions of this chapter.Formerly: Acts 1947, c.112, s.16. As amended by P.L.252-1985, SEC.156.
IN Code § 27-4-1-17 (2021)
2021 Indiana Code|Title 27. Insurance|Article 4. Unfair Competition; Unauthorized Insurers; Foreign Insurers|Chapter 1. Unfair Competition; Unfair or Deceptive Acts and Practices|27-4-1-17. Construction and Application

Sec. 17. (a) This chapter shall be, and shall be construed as being, in addition to IC 27-1, and in addition to IC 27-7-2, and in addition to any and all statutes supplemental to either, and in addition to any and all other laws of the state of Indiana concerning insurance or the business of insurance, whether enacted at any time in the 1947 regular session or at any preceding session of the general assembly of the state of Indiana.(b) Whereas certain unlawful practices are set forth in other insurance statutes of the state of Indiana which unlawful practices are similar or identical to those enumerated in section 4 of this chapter and are characterized in other insurance statutes as criminal in nature, it is deemed desirable to retain the criminal penalties imposed by other insurance statutes; for that purpose, nothing contained in this chapter shall be construed to repeal, amend, or otherwise to affect in any way IC 27-1, IC 27-7-2, or any other law of the state of Indiana concerning insurance or the business of insurance whether enacted at any time in the 1947 regular session or at any preceding session of the general assembly of the state of Indiana, it being the intent of this chapter to provide additional administrative remedies for the purpose of controlling unfair methods of competition and unfair and deceptive acts and practices in and affecting the business of insurance.(c) Nothing in this chapter shall be construed as exempting or excepting from the provisions of this chapter any person engaged in the business of insurance in this state, except as in this chapter otherwise expressly provided.Formerly: Acts 1947, c.112, s.18. As amended by P.L.252-1985, SEC.157.
IN Code § 27-4-1-18 (2021)
2021 Indiana Code|Title 27. Insurance|Article 4. Unfair Competition; Unauthorized Insurers; Foreign Insurers|Chapter 1. Unfair Competition; Unfair or Deceptive Acts and Practices|27-4-1-18. Causes of Action Created

Sec. 18. This article does not create a cause of action other than an action by:(1) the commissioner to enforce his order; or(2) a person, as defined in section 1 of this chapter, to appeal an order of the commissioner.As added by P.L.259-1983, SEC.6.
IN Code § 27-4-1-19 (2021)
2021 Indiana Code|Title 27. Insurance|Article 4. Unfair Competition; Unauthorized Insurers; Foreign Insurers|Chapter 1. Unfair Competition; Unfair or Deceptive Acts and Practices|27-4-1-19. Annual Report of Consumer Complaints

Sec. 19. (a) The commissioner shall, on an annual basis and in a manner determined by the commissioner, publish figures and produce a report containing the following information:(1) The ratio of valid consumer complaints lodged against each company weighted by the direct premiums earned in Indiana by each company.(2) A separate listing of any company determined by the commissioner to have committed a practice that is designated an unfair claim settlement practice under section 4.5 of this chapter if the practice is committed flagrantly and in conscious disregard of section 4.5 of this chapter or if the practice is committed with a frequency that indicates a general business practice.(3) Any enforcement action taken by the commissioner as a result of a practice described in subdivision (2).(b) The commissioner shall provide a copy of the report required under subsection (a) to the house of representatives and senate committees of the general assembly that are assigned responsibility for insurance issues.As added by P.L.121-1990, SEC.6 and P.L.149-1990, SEC.4. Amended by P.L.203-2001, SEC.9.
IN Code § 27-4-1.5-0.1 (2021)
2021 Indiana Code|Title 27. Insurance|Article 4. Unfair Competition; Unauthorized Insurers; Foreign Insurers|Chapter 1.5. Auto Repair Claims Settlement|27-4-1.5-0.1. Application of Chapter

Sec. 0.1. The addition of this chapter by P.L.194-1991 applies to the repair of motor vehicles under insurance policies issued or renewed after June 30, 1991.As added by P.L.220-2011, SEC.430.
IN Code § 27-4-1.5-1 (2021)
2021 Indiana Code|Title 27. Insurance|Article 4. Unfair Competition; Unauthorized Insurers; Foreign Insurers|Chapter 1.5. Auto Repair Claims Settlement|27-4-1.5-1. "Body Part" Defined

Sec. 1. (a) As used in this chapter, "body part" means a replacement for any of the nonmechanical sheet metal or plastic parts that generally constitute the exterior of a motor vehicle.(b) The term includes the inner and outer panels of the body of a motor vehicle.As added by P.L.194-1991, SEC.2.
IN Code § 27-4-1.5-2 (2021)
2021 Indiana Code|Title 27. Insurance|Article 4. Unfair Competition; Unauthorized Insurers; Foreign Insurers|Chapter 1.5. Auto Repair Claims Settlement|27-4-1.5-2. "Body Shop" Defined

Sec. 2. As used in this chapter, "body shop" means a business that repairs damage to the exterior of motor vehicles.As added by P.L.194-1991, SEC.2.
IN Code § 27-4-1.5-3 (2021)
2021 Indiana Code|Title 27. Insurance|Article 4. Unfair Competition; Unauthorized Insurers; Foreign Insurers|Chapter 1.5. Auto Repair Claims Settlement|27-4-1.5-3. "Insured" Defined

Sec. 3. As used in this chapter, "insured" means a person who is entitled to the coverage provided by an insurance policy.As added by P.L.194-1991, SEC.2.
IN Code § 27-4-1.5-4 (2021)
2021 Indiana Code|Title 27. Insurance|Article 4. Unfair Competition; Unauthorized Insurers; Foreign Insurers|Chapter 1.5. Auto Repair Claims Settlement|27-4-1.5-4. "Insurer" Defined

Sec. 4. As used in this chapter, "insurer" has the meaning set forth in IC 27-1-2-3.As added by P.L.194-1991, SEC.2.
IN Code § 27-4-1.5-5 (2021)
2021 Indiana Code|Title 27. Insurance|Article 4. Unfair Competition; Unauthorized Insurers; Foreign Insurers|Chapter 1.5. Auto Repair Claims Settlement|27-4-1.5-5. "Motor Vehicle" Defined

Sec. 5. As used in this chapter, "motor vehicle" has the meaning set forth in IC 9-13-2-105.As added by P.L.194-1991, SEC.2. Amended by P.L.1-1992, SEC.150.
IN Code § 27-4-1.5-6 (2021)
2021 Indiana Code|Title 27. Insurance|Article 4. Unfair Competition; Unauthorized Insurers; Foreign Insurers|Chapter 1.5. Auto Repair Claims Settlement|27-4-1.5-6. "New Body Part" Defined

Sec. 6. As used in this chapter, "new body part" means a body part that has not previously been attached to a motor vehicle.As added by P.L.194-1991, SEC.2.
IN Code § 27-4-1.5-7 (2021)
2021 Indiana Code|Title 27. Insurance|Article 4. Unfair Competition; Unauthorized Insurers; Foreign Insurers|Chapter 1.5. Auto Repair Claims Settlement|27-4-1.5-7. "Used Body Part" Defined

Sec. 7. As used in this chapter, "used body part" means a body part that has previously been attached to a motor vehicle.As added by P.L.194-1991, SEC.2.
IN Code § 27-4-1.5-8 (2021)
2021 Indiana Code|Title 27. Insurance|Article 4. Unfair Competition; Unauthorized Insurers; Foreign Insurers|Chapter 1.5. Auto Repair Claims Settlement|27-4-1.5-8. Insurer Notice to Insured; Body Parts to Be Used in Repair

Sec. 8. (a) An insurer that is obligated to pay at least part of the cost of repairing the exterior of a motor vehicle under an insurance policy issued by the insurer may not direct a body shop to repair the motor vehicle until the insurer has presented the insured with a written notice that meets the requirements set forth in subsections (b) and (c).(b) An insurer described in subsection (a) shall present the insured with a written notice that does the following:(1) Informs the insured that the insured has a right to approve the type of body parts to be used in the repair of the motor vehicle.(2) Gives the insured an opportunity, in approving the type of body parts to be used in the repair of the motor vehicle, to select from among the following:(A) New body parts manufactured by or for the manufacturer of the motor vehicle.(B) New body parts that were not manufactured by or for the manufacturer of the motor vehicle.(C) Used body parts.(c) An insurer described in subsection (a) shall give the insured an opportunity to indicate in writing the type of body part that the insured approves for use in the repair of the motor vehicle.(d) This section applies only in the five (5) years after the model year of the motor vehicle.As added by P.L.194-1991, SEC.2.
IN Code § 27-4-1.5-9 (2021)
2021 Indiana Code|Title 27. Insurance|Article 4. Unfair Competition; Unauthorized Insurers; Foreign Insurers|Chapter 1.5. Auto Repair Claims Settlement|27-4-1.5-9. Failure to Give Insured Notice; Unfair Claim Settlement Practice

Sec. 9. An insurer that:(1) is required to give a written notice to an insured under section 8 of this chapter concerning the repair of a motor vehicle;(2) does not give the insured a written notice that meets the requirements set forth in section 8(b) of this chapter; and(3) directs a body shop to repair the motor vehicle;commits an unfair claim settlement practice under IC 27-4-1-4.5.As added by P.L.194-1991, SEC.2.
IN Code § 27-4-1.5-10 (2021)
2021 Indiana Code|Title 27. Insurance|Article 4. Unfair Competition; Unauthorized Insurers; Foreign Insurers|Chapter 1.5. Auto Repair Claims Settlement|27-4-1.5-10. Failure to Permit Selection of Body Parts by Insured; Unfair Claim Settlement Practice

Sec. 10. An insurer that:(1) is subject to the requirement set forth in section 8(c) of this chapter with respect to the repair of a motor vehicle;(2) does not satisfy this requirement; and(3) directs a body shop to repair the motor vehicle;commits an unfair claims settlement practice under IC 27-4-1-4.5.As added by P.L.194-1991, SEC.2.
IN Code § 27-4-1.5-11 (2021)
2021 Indiana Code|Title 27. Insurance|Article 4. Unfair Competition; Unauthorized Insurers; Foreign Insurers|Chapter 1.5. Auto Repair Claims Settlement|27-4-1.5-11. Direction by Insurer to Use Different Body Parts From Those Directed by Insured; Unfair Claims Settlement Practice

Sec. 11. An insurer that:(1) under section 8(c) of this chapter gives an insured an opportunity to indicate in writing the type of body part that the insured approves for use in the repair of the motor vehicle; and(2) directs a body shop to repair the motor vehicle using a type of body part different from the type of body part that the insured approved for use in the repair of the motor vehicle;commits an unfair claim settlement practice under IC 27-4-1-4.5.As added by P.L.194-1991, SEC.2.
IN Code § 27-4-1.5-12 (2021)
2021 Indiana Code|Title 27. Insurance|Article 4. Unfair Competition; Unauthorized Insurers; Foreign Insurers|Chapter 1.5. Auto Repair Claims Settlement|27-4-1.5-12. Refusal to Direct Use of or Pay for Body Parts Directed by Insured; Unfair Claim Settlement Practice

Sec. 12. An insurer that:(1) under section 8(c) of this chapter gives an insured an opportunity to indicate in writing the type of body parts that the insured approves for use in the repair of a motor vehicle; and(2) refuses to:(A) pay for; or(B) direct a body shop to use;the type of body parts approved by the insured under section 8(c) of this chapter in the repair of the motor vehicle;commits an unfair claims settlement practice under IC 27-4-1-4.5.As added by P.L.194-1991, SEC.2.
IN Code § 27-4-1.5-13 (2021)
2021 Indiana Code|Title 27. Insurance|Article 4. Unfair Competition; Unauthorized Insurers; Foreign Insurers|Chapter 1.5. Auto Repair Claims Settlement|27-4-1.5-13. Insurer Duties Performed by Agent or Body Shop

Sec. 13. An act that an insurer is required to perform under this chapter shall be considered to have been performed by the insurer if the act is performed by:(1) an agent of the insurer; or(2) a body shop that the insurer directs to repair a motor vehicle.As added by P.L.194-1991, SEC.2.