reglab/housing_qa huggingface dataset:
MN Stat § 65A.302 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 65A — Fire And Related Insurance|Section 65A.302 — Flood Insurance Coverage; Disclosure Of Noncoverage.

65A.302 FLOOD INSURANCE COVERAGE; DISCLOSURE OF NONCOVERAGE. Every insurer shall annually provide a written notice to the policyholder entitled "Important Information About Damage Caused by Flooding." This title must be in at least 18-point type. The notice must disclose that the policy does not cover damage caused by flooding and disclose sufficient information to allow the policyholder to contact the National Flood Insurance Program to inquire about purchasing flood insurance. The following language satisfies the notice requirements of this section: "The policy does not cover damage to your property caused by flooding. Flood insurance is available to communities and property that participate in the National Flood Insurance Program ("NFIP"). Not all communities participate in the NFIP. Flood insurance may be available even if you do not live in a flood hazard area as defined by the NFIP. If your community does not participate in the NFIP, you may contact your insurance agent or broker to see if there is other flood insurance coverage available to you." The disclosure may also inform the policyholders that the insurer offers flood insurance as a participant in the NFIP's "Write Your Own" program. History:   2008 c 293 s 1
MN Stat § 65A.31 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 65A — Fire And Related Insurance|Section 65A.31 — Minnesota Fair Plan Act.

65A.31 MINNESOTA FAIR PLAN ACT. Sections 65A.31 to 65A.42 shall be known and may be cited as the "Minnesota FAIR Plan Act." History:  1969 c 483 s 1; 1993 c 248 s 2
MN Stat § 65A.32 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 65A — Fire And Related Insurance|Section 65A.32 — Purposes.

65A.32 PURPOSES. The purposes of sections 65A.31 to 65A.42 are: (1) to encourage stability in the property and liability insurance market for property located in this state; (2) to encourage maximum use, in obtaining property and liability insurance, as defined in sections 65A.31 to 65A.42, of the normal insurance market provided by the private property and casualty insurance industry; (3) to encourage the improvement of the condition of properties located in this state and to further orderly community development generally; (4) to provide for an organization known as the Minnesota FAIR plan, which will assure fair access to insurance requirements in order that no property is denied property or liability insurance through the FAIR plan due to the condition of the property, except after a physical inspection of the property and a fair evaluation of its individual underwriting characteristics; (5) to publicize the purposes and procedures of the FAIR plan to the end that no one may fail to seek its assistance through lack of knowledge of its existence; and (6) to provide for the formulation and administration by the Minnesota FAIR plan of a reinsurance arrangement whereby property and casualty insurers share equitably the responsibility for insuring insurable property for which property and liability insurance cannot be obtained through the normal insurance markets. History:  1969 c 483 s 2; 1986 c 455 s 42; 1993 c 248 s 3; 1999 c 120 s 1; 2003 c 40 s 5
MN Stat § 65A.33 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 65A — Fire And Related Insurance|Section 65A.33 — Definitions.

65A.33 DEFINITIONS. Subdivision 1. Scope. As used in sections 65A.31 to 65A.42, unless the context otherwise requires, the terms defined in this section have the following meanings given to them. Subd. 2. Insurer. "Insurer" means any insurance company or other organization licensed to write and engaged in writing property or liability insurance business, including the property or liability insurance components of multiperil policies, on a direct basis, in this state, except where such insurer is specifically exempted by statute from participation in this program. Subd. 3. Property or liability insurance. "Property or liability insurance" means the coverage against direct loss to real or tangible personal property at a fixed location that is provided in the standard fire policy, extended coverage endorsement, homeowners insurance, as defined in section 65A.27, subdivision 4, cooperative housing insurance, condominium unit owners insurance, builders risk, and such vandalism and malicious mischief insurance and such other classes of insurance as may be added to the program with respect to said property by amendment as hereinafter provided. Property or liability insurance does not include automobile, commercial liability, or such manufacturing risks as may be excluded by the commissioner. Subd. 4. Minnesota FAIR plan. "Minnesota FAIR plan," or "plan," means the organization formed by insurers to assist applicants in securing property or liability insurance and to administer the FAIR plan. Subd. 5.  [Repealed, 2003 c 40 s 21] Subd. 5a. Member. "Member" means any insurer as defined in subdivision 2. Subd. 6. Premiums written. "Premiums written" means direct written premiums charged during the second preceding calendar year with respect to property in this state for fire, allied lines, homeowners, the nonliability component of farm policies, and the nonliability component of commercial multiperil policies, as reported by the members to the NAIC. Subd. 7. Commissioner. "Commissioner" means the commissioner of commerce of the state of Minnesota. Subd. 8.  [Repealed, 1993 c 248 s 17] Subd. 9. Board. "Board" means the governing board of directors of the Minnesota FAIR plan. Subd. 10. NAIC. "NAIC" means the National Association of Insurance Commissioners. History:  1969 c 483 s 3; 1983 c 289 s 114 subd 1; 1984 c 655 art 1 s 92; 1986 c 455 s 43; 1989 c 260 s 12; 1993 c 248 s 4-6; 1994 c 465 art 2 s 1; 1999 c 120 s 2,3; 2003 c 40 s 6-10
MN Stat § 65A.34 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 65A — Fire And Related Insurance|Section 65A.34 — Plan Coverage.

65A.34 PLAN COVERAGE. Subdivision 1. Application. Any person having an insurable interest in real or tangible personal property who has been canceled, nonrenewed, or otherwise rejected for coverage in the private market may submit an application for coverage to the plan. If an inspection of the premises is performed, it must be done at no cost to the applicant. Subd. 2. Inspections. Before the plan may deny coverage due to the condition of the property or write coverage with a condition charge, it must first inspect the property for which coverage has been requested. The manner and scope of the inspections of Minnesota FAIR plan business must be prescribed by the plan with the approval of the commissioner. Subd. 3. Initial inspection report. An inspection report must be made for each property inspected. The report must cover pertinent structural and occupancy features as well as the general condition of the building and surrounding structures. A representative photograph of the property may be taken during the inspection. Subd. 4. Condition charges. Either during the inspection or immediately after the inspection, an employee of the FAIR plan shall inform the applicant as to the features that result in a condition charge if the risk is accepted. No inspector has the authority to advise whether the plan will provide the coverage. Subd. 5. Completed inspection report. Within ten business days after the inspection, the FAIR plan shall prepare or have prepared a completed inspection report that includes conditions that are subject to a condition charge under the rating plan approved by the commissioner. A copy of the inspection report must be made available to the applicant or the applicant's agent upon request. Subd. 6.  [Repealed by amendment, 2003 c 40 s 11] History:  1969 c 483 s 4; 1986 c 444; 1986 c 455 s 44; 1993 c 248 s 7; 1999 c 120 s 4-6; 2003 c 40 s 11
MN Stat § 65A.37 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 65A — Fire And Related Insurance|Section 65A.37 — Policy Forms.

65A.37 POLICY FORMS. All policies must be on standard policy forms issued for a term of one year and approved by the commissioner. History:  1969 c 483 s 7; 1986 c 455 s 47; 1993 c 248 s 10; 1999 c 120 s 9; 2003 c 40 s 14; 2008 c 344 s 41
MN Stat § 65A.375 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 65A — Fire And Related Insurance|Section 65A.375 — Rates.

65A.375 RATES. The commissioner shall set the insurance rates for cooperative housing, organized under chapter 308A, and for neighborhood real estate trusts, characterized as nonprofit ownership of real estate with resident control. The rates must be actuarially sound. All other rates used by the Minnesota FAIR plan must be approved by the commissioner prior to use. History:  1987 c 337 s 94; 1989 c 356 s 5; 1993 c 248 s 11; 2003 c 40 s 15
MN Stat § 65A.38 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 65A — Fire And Related Insurance|Section 65A.38 — Policy Cancellation.

65A.38 POLICY CANCELLATION. Subdivision 1. Reasons. The Minnesota FAIR plan shall not cancel a policy issued under sections 65A.31 to 65A.42 except: (1) for cause which would have been grounds for nonacceptance of the risk under the program had the cause been known to the plan at the time of acceptance; (2) for nonpayment of premium; or (3) with the approval of the governing board. Subd. 2. Notice and statement of reasons. Except as otherwise required under subdivision 4 or 5, at least 15 days' notice of cancellation together with a statement of the reason therefor shall be sent to the insured with a copy sent to the commissioner. Subd. 3. Statement of appeal rights. Any cancellation notice or notice of refusal to renew to the insured shall be accompanied by a statement that the insured has a right of appeal as hereinafter provided. Subd. 4. Homeowner's insurance. Cancellation of homeowner's insurance, as defined in sections 65A.27 to 65A.29, is subject to the provisions of those sections. Subd. 5. Commercial property insurance. Cancellation of a commercial property insurance policy issued by the Minnesota FAIR plan must comply with sections 60A.35 to 60A.38. History:  1969 c 483 s 8; 1993 c 248 s 12; 1994 c 485 s 65; 1999 c 120 s 10; 2003 c 40 s 16,17
MN Stat § 65A.39 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 65A — Fire And Related Insurance|Section 65A.39 — Appeals.

65A.39 APPEALS. (a) Any applicant or participating insurer shall have the right of appeal to the board of directors, which shall promptly determine the appeal. A decision of the board may be appealed to the commissioner within 30 days from notice of the action or decision. The commissioner shall promptly determine the appeal. Each denial of insurance shall be accompanied by a statement that the applicant has the right of appeal to the board and the commissioner and setting forth the procedures to be followed for the appeal. A final action of the commissioner is subject to judicial review as provided in chapter 14. (b) In lieu of the appeal to the commissioner under paragraph (a), an applicant or insurer may seek judicial review of the board's action. History:  1969 c 483 s 9; 1987 c 337 s 95; 1993 c 248 s 13
MN Stat § 65A.40 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 65A — Fire And Related Insurance|Section 65A.40 — Education Programs.

65A.40 EDUCATION PROGRAMS. The plan will undertake a continuing public education program, in cooperation with producers and others, to assure that the Minnesota FAIR Plan Act receives adequate public attention. History:  1969 c 483 s 10; 1993 c 248 s 14; 2003 c 40 s 18
MN Stat § 65A.41 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 65A — Fire And Related Insurance|Section 65A.41 — Agents.

65A.41 AGENTS. Subdivision 1. Generally. A person licensed under chapter 60K may submit an application for coverage to the Minnesota FAIR plan and receive a commission from the plan for premiums paid for coverage. However, the licensee is not an agent of the Minnesota FAIR plan for purposes of state law. All checks or similar instruments submitted in payment of plan premiums must be made payable to the Minnesota FAIR plan and not the agent. Subd. 2. Duty to submit application. An agent or broker shall not refuse to submit an application for basic property insurance coverage to the Minnesota FAIR plan if licensed to write and actively engaged in writing such insurance. History:  1969 c 483 s 11; 1986 c 444; 1993 c 248 s 15; 2003 c 40 s 19
MN Stat § 65A.42 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 65A — Fire And Related Insurance|Section 65A.42 — Immunity From Liability.

65A.42 IMMUNITY FROM LIABILITY. There is no civil or criminal liability on the part of, and no cause of action of any nature arises against insurers, the Minnesota FAIR plan, the governing board, or employees of the plan or the commissioner or the commissioner's authorized representatives, for any acts or omissions by them if the acts or omissions were in good faith and within the scope of their responsibilities under sections 65A.31 to 65A.42. The inspection reports and communications of the inspection vendors and the Minnesota FAIR plan are not public documents. History:  1969 c 483 s 12; 1971 c 24 s 11; 1986 c 444; 1993 c 248 s 16; 1999 c 120 s 11; 2003 c 40 s 20
MN Stat § 65A.44 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 65A — Fire And Related Insurance|Section 65A.44 — Definitions.

65A.44 DEFINITIONS. Subdivision 1. Application. The definitions in this section apply to this section and section 65A.45. Subd. 2. Insurer. "Insurer" means an insurer licensed to write insurance and writing residential renter's insurance in this state. Subd. 3. Residential renter's insurance policy. "Residential renter's insurance policy" means insurance coverage normally written by the insurer as a standard residential renter's package policy. History:   1991 c 244 s 2
MN Stat § 65A.45 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 65A — Fire And Related Insurance|Section 65A.45 — Residential Renter's Insurance Policy.

65A.45 RESIDENTIAL RENTER'S INSURANCE POLICY. No insurer shall refuse to issue a single residential renter's insurance policy for the purpose of providing coverage to up to four individuals residing in the same household, if all of the individuals are named insureds on the policy and meet the insurer's normal underwriting requirements. History:   1991 c 244 s 3
MN Stat § 65B.001 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 65B — Automobile Insurance|Section 65B.001 — Definitions.

65B.001 DEFINITIONS. Subdivision 1. Application. Unless a different meaning is expressly made applicable, the terms defined in this section shall, for the purposes of this chapter, have the meanings given them. Subd. 2. Private passenger vehicle insurance. "Private passenger vehicle insurance" means a policy insuring a natural person as named insured, and any relative of the named insured who is a resident of the same household, covering private passenger vehicles or utility vehicles owned by the insured. This term does not include a policy insuring more than four vehicles rated on a fleet basis or covering garage, automobiles sales agency, repair shop, service station or public parking place operation hazards. Subd. 3. Private passenger vehicle. "Private passenger vehicle" means a passenger automobile defined in section 168.002, or a jeep type automobile, that is not rented to others or used as a public or livery conveyance for passengers. Subd. 4. Utility vehicle. "Utility vehicle" means any four wheel vehicle, other than a private passenger vehicle, which has a pickup, van, or panel truck type body and is not used primarily in the occupation, profession or business of the insured, other than farming or ranching. Subd. 5. Motorcycle. "Motorcycle" means a self-propelled vehicle designed to travel on fewer than four wheels that has an engine rated at greater than five horsepower, and includes a trailer with one or more wheels, when the trailer is connected to or being towed by a motorcycle. For purposes of this chapter, motorcycle includes a motorized bicycle as defined in section 169.011, subdivision 45, but does not include an electric-assisted bicycle as defined in section 169.011, subdivision 27. History:  1977 c 366 s 1; 1984 c 592 s 52; 1987 c 269 s 1; 1989 c 140 s 1; 1996 c 435 s 1
MN Stat § 65B.01 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 65B — Automobile Insurance|Section 65B.01 — Purposes, Construction And Scope.

65B.01 PURPOSES, CONSTRUCTION AND SCOPE. Subdivision 1. Purpose. The purposes of sections 65B.01 to 65B.12 are to provide the guarantee that automobile insurance coverage will be available to any person who is unable to procure such insurance through ordinary methods by providing a facility for the placement of automobile insurance risks with insurers, and to preserve to the public the benefits of price competition by encouraging maximum use of the normal private insurance system. Sections 65B.01 to 65B.12 shall be liberally construed to effect the purposes stated. Subd. 2. Scope and membership. Every insurer authorized to write automobile liability or physical damage insurance in this state, as a condition precedent to being licensed or to retain such license to write such insurance in this state, shall be a member of the facility and shall participate therein under the terms and provisions of sections 65B.01 to 65B.12. History:  1971 c 813 s 1; 1983 c 289 s 114 subd 1; 1984 c 655 art 1 s 92; 1992 c 520 s 2
MN Stat § 65B.03 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 65B — Automobile Insurance|Section 65B.03 — Governing Committee.

65B.03 GOVERNING COMMITTEE. Subdivision 1. Membership. An election must be held among every insurer subject to sections 65B.01 to 65B.12, for the election of insurer representatives on the facility governing committee. The governing committee shall be made up of nine individuals, five of whom shall be elected by members of the facility and four who shall be public members. Public members may include licensed insurance agents. The public members shall be appointed by the commissioner. The term of office for members of the governing committee is two years. Each member serving on the governing committee shall be represented by a salaried employee of that member, and not more than one member in a group under the same management shall serve on the governing committee at the same time. Subd. 2. Terms of office. The governing committee members shall serve two-year terms. Vacancies shall be filled as provided in the plan of operation. History:  1971 c 813 s 3; 1973 c 756 s 1; 1983 c 289 s 114 subd 1; 1984 c 655 art 1 s 92; 1Sp1985 c 10 s 66; 1986 c 444; 1987 c 337 s 96; 1992 c 520 s 6
MN Stat § 65B.04 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 65B — Automobile Insurance|Section 65B.04 — Plan Of Operation.

65B.04 PLAN OF OPERATION. Subdivision 1.  [Repealed, 1992 c 520 s 18] Subd. 1a. Plan. The plan of operation consists of the operation procedures of the facility. Subd. 2.  [Repealed, 1992 c 520 s 18] Subd. 3. Amendments. The plan of operation may be amended by a majority vote of the governing committee and the approval of the commissioner. An order by the commissioner disapproving an amendment to the plan of operation must be issued within 30 days of receipt by the commissioner of the proposed amendment, certified by the governing committee as having been adopted by that committee by a majority vote, or the amendment shall be deemed approved by the commissioner. An order of disapproval may be appealed as provided in chapter 14. Subd. 4. Adherence to plan. Every insurer authorized to write automobile bodily injury liability, property damage liability or physical damage insurance in this state, as a condition to maintaining its authorization to transact the business of insurance in this state, shall adhere to the plan of operation. History:  1971 c 813 s 4; 1983 c 247 s 34; 1986 c 444; 1992 c 520 s 7-9; 2001 c 215 s 29
MN Stat § 65B.05 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 65B — Automobile Insurance|Section 65B.05 — Power Of Facility, Governing Committee.

65B.05 POWER OF FACILITY, GOVERNING COMMITTEE. The governing committee shall have the power to direct the operation of the facility in all pursuits consistent with the purposes and terms of sections 65B.01 to 65B.12, including but not limited to the following: (1) To sue and be sued in the name of the facility and to assess each member in accord with its participation ratio to pay any judgment against the facility as an entity, provided, however, that no judgment against the facility shall create any liabilities in one or more members disproportionate to their participation ratio or an individual representing members on the governing committee. (2) To delegate ministerial duties, to hire a manager and to contract for goods and services from others. (3) To assess members on the basis of participation ratios to cover anticipated costs of operation and administration of the facility. (4) To impose limitations on cancellation or nonrenewal by members of insureds covered pursuant to placement through the facility in addition to the limitations imposed by chapter 72A and sections 65B.1311 to 65B.21. History:  1971 c 813 s 5; 1Sp1981 c 4 art 1 s 56; 1992 c 520 s 10; 2001 c 7 s 16
MN Stat § 65B.07 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 65B — Automobile Insurance|Section 65B.07 — Other Provisions And Functions.

65B.07 OTHER PROVISIONS AND FUNCTIONS. Subdivision 1. Optional deferred payment plan. The facility shall provide one or more optional deferred payment plans, which shall include sufficient advance payment to, at all times, equal at least the pro rata earned premium, and such plans shall include additional charges for deferred payments. Subd. 2.  [Repealed, 1992 c 520 s 18] Subd. 3. Public education. The facility shall provide for publicizing its purposes and developing public understanding of the facility. Subd. 4. Annual financial statement and report. The facility shall provide an annual financial statement on the facility's operation to the commissioner, and shall provide an annual report of operations to the commissioner and to all members so requesting. Subd. 5.  [Repealed, 1995 c 258 s 67] History:  1971 c 813 s 7; 1986 c 444; 1992 c 520 s 12
MN Stat § 65B.08 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 65B — Automobile Insurance|Section 65B.08 — Rates.

65B.08 RATES. Subdivision 1. Filing. As agent for members, the facility shall file with the commissioner all manuals of classification, all manuals of rules and rates, all rating plans, and any modifications of same, proposed for use for automobile insurance placed through the facility. The classifications, rules and rates and any amendments thereto shall be subject to prior written approval by the commissioner. Rates, surcharge points, and increased limits factors filed by the facility shall not be excessive, inadequate, or unfairly discriminatory. No other entity, service or organization shall make filings for the facility or the members to apply to insurance placed through the facility. Subd. 2. Use of rates. Every member shall be authorized to use the rates and rules approved by the commissioner for use by the facility on business placed through the facility, and shall use no other rates on automobiles placed through the facility. Subd. 3. Facility exempt. Laws relating to rating organizations or advisory organizations shall not apply to functions provided for under this section. History:  1971 c 813 s 8; 1992 c 520 s 13,14; 1995 c 258 s 48