reglab/housing_qa huggingface dataset:
CO Code § 10-4-616 (2021)
2021 Colorado Code|Title 10 - Insurance|Article 4 - Property and Casualty Insurance|Part 6 - Automobile Insurance Policy - Regulations|§ 10-4-616. Disclosure of Credit Reports

     Insurers using new or updated credit information in insurance underwriting or rating shall notify applicants or policyholders that their credit information will be used for underwriting or rating.    When an insurer uses a producer for such disclosure, the insurer shall provide the producer with the form of such notice and use a reasonable means to verify that such notice is given. The disclosure notice form shall be developed by the insurer.    Upon request by an applicant or policyholder, an insurer or producer shall provide an explanation of the significant characteristics of the credit information that impact the policyholder's insurance score. This information may be included in the disclosure notice form.       If the use of credit information results in an adverse action to a consumer, the insurer shall comply with the notice requirements of the federal “Fair Credit Reporting Act”, 15 U.S.C. sec. 1681 et seq. Such notice shall include, but is not limited to:   The identity, telephone number, and address of any consumer reporting agency from whom a credit report was obtained;    Notice of the consumer's right to receive a free credit report from the consumer reporting agency for a period of sixty days if such report resulted in an adverse action; and    Notice of the consumer's right to lodge a dispute with the consumer reporting agency and have any erroneous information corrected in accordance with the federal “Fair Credit Reporting Act”, 15 U.S.C. sec. 1681 et seq.       For the purposes of this section, “adverse action” means a denial, cancellation, or nonrenewal of, an increase in any charge for, a placement into a higher tier, or a reduction or unfavorable change in the terms of coverage or amount of insurance in connection with underwriting of existing insurance or an application for insurance.     History. Source: L. 2003: Entire section added, p. 839, § 1, effective July 1, 2004.
CO Code § 10-4-621 (2021)
2021 Colorado Code|Title 10 - Insurance|Article 4 - Property and Casualty Insurance|Part 6 - Automobile Insurance Policy - Regulations|§ 10-4-621. Required Coverages Are Minimum

  Nothing in this part 6 shall be construed to prohibit the issuance of policies providing coverages more extensive than the minimum coverage required by section 10-4-620, nor to require the segregation of such minimum coverage from other coverages in the same policy. However, loss statistics as to bodily injury liability and property damage liability shall be kept separately for rating purposes, and such statistics shall be filed with the commissioner each year.    On and after January 1, 2005, all insurers shall offer collision coverage for damage to insured motor vehicles subject to deductibles of one hundred dollars and two hundred fifty dollars. Insurers may offer such other reasonable deductibles as they deem appropriate. Collision coverage shall provide insurance without regard to fault against accidental property damage to the insured motor vehicle with another motor vehicle or motor vehicle caused by physical contact of the insured with another object or by upset of the insured motor vehicle, if the accident occurs within the United States or its territories or possessions.    No insurer may surcharge, refuse to write, cancel, or nonrenew a complying policy of automobile insurance based solely on the method of compliance or level of coverage chosen, as long as the requirements are met under section 42-3-105 (1)(d)(I) or (1)(f), C.R.S.     History. Source: L. 2003: Entire section added, p. 1561, § 3, effective July 1. L. 2004: (2) amended, p. 173, § 1, effective January 1, 2005. L. 2006: (3) amended, p. 1491, § 14, effective June 1.    Editor's note:   This section was originally numbered as § 10-4-618 in House Bill 03-1188 but has been renumbered on revision for ease of location.
CO Code § 10-4-622 (2021)
2021 Colorado Code|Title 10 - Insurance|Article 4 - Property and Casualty Insurance|Part 6 - Automobile Insurance Policy - Regulations|§ 10-4-622. Required Provision for Intrastate and Interstate Operation

  Notwithstanding any of its terms and conditions, every complying policy shall afford coverage at least as extensive as the minimum coverage required by section 10-4-620.    Nothing in this section shall be construed to require that a complying policy provide coverage while the insured motor vehicle is operated in other jurisdictions by reason of any program, statute, law, or administrative rule in effect in such other jurisdiction by which coverage is afforded in such other jurisdiction through a government agency or publicly financed auto accident reparations plan such as, by way of illustration and not limitation, plans presently in effect in the province of Saskatchewan, Canada, and the commonwealth of Puerto Rico, U.S.A.    On and after January 1, 2005, notwithstanding any of its other terms and conditions, every complying policy shall afford coverage at least as extensive as the minimum coverage required by operation of section 10-4-620, during such periods of time as the insured motor vehicle is operated in other jurisdictions of the United States or its territories or possessions, as the statutes, laws, or administrative rules of such other jurisdictions require with respect to liability or financial responsibility and direct benefit or first-party coverages for operators, occupants, and persons involved in accidents arising out of use or operation of motor vehicles within such other jurisdictions.      Notwithstanding any of its other terms and conditions, every contract of liability insurance for injury, wherever issued, covering ownership, maintenance, or use of a motor vehicle, shall provide coverage at least as extensive as the minimum coverages required by operation of section 10-4-620, and qualifies as security covering the vehicle while it is in this state.    An insurer authorized to transact or transacting business in this state may not exclude the minimum coverage required by operation of section 10-4-620 in any contract of liability insurance for injury, wherever issued, covering ownership, maintenance, or use of a motor vehicle while it is in this state.         History. Source: L. 2003: Entire section added, p. 1561, § 3, effective July 1. L. 2004: (2) amended, p. 902, § 22, effective May 21; (3) amended, p. 173, § 2, effective January 1, 2005.    Editor's note:   This section was originally numbered as § 10-4-619 in House Bill 03-1188 but has been renumbered on revision for ease of location.
CO Code § 10-4-624 (2021)
2021 Colorado Code|Title 10 - Insurance|Article 4 - Property and Casualty Insurance|Part 6 - Automobile Insurance Policy - Regulations|§ 10-4-624. Self-Insurers

  Any person in whose name more than twenty-five motor vehicles are registered may qualify as a self-insurer by obtaining a certificate of self-insurance issued by the commissioner.    The commissioner may, in his or her discretion, upon the application of such person, issue a certificate of self-insurance when the commissioner is satisfied that such person is able and will continue to be able to pay benefits as required under section 10-4-620 and to pay any and all judgments that may be obtained against such person. Upon not less than five days' notice and a hearing pursuant to such notice, the commissioner may, upon reasonable grounds, cancel a certificate of self-insurance. Failure to pay any benefits under section 10-4-620 or failure to pay any judgment within thirty days after such judgment has become final shall constitute a reasonable ground for the cancellation of a certificate of self-insurance.    For purposes of subsection (2) of this section, the commissioner shall accept, as proof that a motor carrier as defined in article 10.1 of title 40, C.R.S., is able and will continue to be able to pay all judgments that might be obtained against the carrier, a surety bond in a form acceptable to the commissioner in an amount determined by the commissioner sufficient to ensure that the carrier has the ability to pay all judgments that may be obtained against any such carrier.     History. Source: L. 2003: (2) amended, p. 2433, § 3, effective June 5; entire section added, p. 1563, § 3, effective July 1. L. 2011: (3) amended,(HB 11-1198), ch. 127, p. 417, § 6, effective August 10.    Editor's note:   This section was originally numbered as § 10-4-621 in House Bill 03-1188 but has been renumbered on revision for ease of location.   ANNOTATION   Annotator's note. Since this section is similar to § 10-4-716 as it existed prior to the 2003 repeal of part 7 of article 4 of this title, a relevant case construing that provision has been included in the annotations to this section.   Provisions of act with regard to self-insurers do not limit obligation that every owner of a motor vehicle provide liability coverage for bodily injury arising from the vehicle's permissive use. Barnes v. Whitt, 852 P.2d 1322 (Colo. App. 1993).
CO Code § 10-4-625 (2021)
2021 Colorado Code|Title 10 - Insurance|Article 4 - Property and Casualty Insurance|Part 6 - Automobile Insurance Policy - Regulations|§ 10-4-625. Premium Payments

 The commissioner shall issue rules establishing monthly, quarterly, semiannual, and annual premium payments for persons who are required to purchase insurance under this part 6. An insurer providing a plan for payments on a basis that is more frequent than quarterly need not also provide a quarterly payment plan. An insurer's plan for payments may provide for payment of an advance deposit premium.   History. Source: L. 2003: Entire section added, p. 1563, § 3, effective July 1. L. 2008: Entire section amended, p. 386, § 1, effective August 5.    Editor's note:   This section was originally numbered as § 10-4-622 in House Bill 03-1188 but has been renumbered on revision for ease of location.   ANNOTATION   Annotator's note. Since this section is similar to § 10-4-718 as it existed prior to the 2003 repeal of part 7 of article 4 of this title, a relevant case construing that provision has been included in the annotations to this section.   This section constitutes declaration of policy that insurance payments can be paid in quarterly installments. Golting v. Hartford Accident & Indem. Co., 43 Colo. App. 337, 603 P.2d 972 (1979).
CO Code § 10-4-626 (2021)
2021 Colorado Code|Title 10 - Insurance|Article 4 - Property and Casualty Insurance|Part 6 - Automobile Insurance Policy - Regulations|§ 10-4-626. Prohibited Reasons for Nonrenewal or Refusal to Write Policy of Automobile Insurance Applicable to This Part 6

  An insurer authorized to transact or transacting business in this state shall not refuse to write or refuse to renew a policy of insurance affording the coverage required by section 10-4-620 solely because of the age, race, creed, color, religion, sex, sexual orientation, gender identity, gender expression, national origin, ancestry, residence, marital status, or lawful occupation, including the military service, of anyone who is or seeks to become insured or solely because another insurer has canceled a policy or refused to write or renew such policy. The commissioner shall administer and enforce this subsection (1).    Nothing in this section shall be construed to prohibit an insurance company authorized to transact or transacting business in this state from issuing policies of insurance affording the coverage required by operation of section 10-4-620 solely to a specialty market authorized by the commissioner.     History. Source: L. 2003: Entire section added, p. 1563, § 3, effective July 1. L. 2008: (1) amended, p. 1599, § 13, effective May 29. L. 2021: (1) amended,(HB 21-1108), ch. 156, p. 890, § 15, effective September 7.    Editor's note:   This section was originally numbered as § 10-4-623 in House Bill 03-1188 but has been renumbered on revision for ease of location.   Cross references:   For the legislative declaration contained in the 2008 act amending subsection (1), see section 1 of chapter 341, Session Laws of Colorado 2008. For the legislative declaration in HB 21-1108, see section 1 of chapter 156, Session Laws of Colorado 2021.   ANNOTATION   Annotator's note. Since this section is similar to § 10-4-719 as it existed prior to the 2003 repeal of part 7 of article 4 of this title, a relevant case construing that provision has been included in the annotations to this section.   Insurers failure to notify insureds clearly and unequivocally of its cancellation of coverage constituted a course of conduct which led insureds, as ordinary laypersons, reasonably to believe that by properly endorsing and returning their premium payment their personal injury coverage would remain in effect or be reinstated. Leland v. Travelers Indem. Co. of Illinois, 712 P.2d 1060 (Colo. App. 1985).
CO Code § 10-4-627 (2021)
2021 Colorado Code|Title 10 - Insurance|Article 4 - Property and Casualty Insurance|Part 6 - Automobile Insurance Policy - Regulations|§ 10-4-627. Discriminatory Standards - Premiums - Surcharges - Proof of Financial Responsibility Requirements

  An insurer shall not:   Cancel or nonrenew, or increase the premium of, a policy of insurance on a motor vehicle used by any resident of the household of the named insured solely because of convictions for traffic violations that resulted in less than seven points being assessed under the point system schedule set forth in section 42-2-127 (5), C.R.S., resulting from violations while in the course of employment while the insured is driving a motor vehicle used primarily as a public or livery conveyance or licensed as a commercial vehicle; or    Add a surcharge to the policy premium of an insured or a family member of an insured or other person living in the same household as an insured in a manner that results in an excessive or unfairly discriminatory premium pursuant to section 10-4-403.       This section shall not be construed to limit or in any manner restrict an insurer from canceling or refusing to issue or renew a policy of insurance or from increasing the premium of an insured on a motor vehicle used by him or her for commercial purposes or from reclassifying an insured for traffic violations received by the insured while using a motor vehicle for commercial purposes.     History. Source: L. 2003: Entire section added, p. 1564, § 3, effective July 1.    Editor's note:   This section was originally numbered as § 10-4-624 in House Bill 03-1188 but has been renumbered on revision for ease of location.
CO Code § 10-4-633 (2021)
2021 Colorado Code|Title 10 - Insurance|Article 4 - Property and Casualty Insurance|Part 6 - Automobile Insurance Policy - Regulations|§ 10-4-633. Certification of Policy and Notice Forms

  All insurers providing automobile insurance and who are authorized by the commissioner to conduct business in Colorado shall submit an annual report to the commissioner listing any policy forms, endorsements, cancellation notices, renewal notices, disclosure forms, notices of proposed premium increases, notices of proposed reductions in coverage, and such other forms as may be requested by the commissioner issued or delivered to any policyholder in Colorado. Such listing shall be submitted no later than July 1 of each year and shall contain a certification by an officer of the organization that to the best of the officer's knowledge each policy form, endorsement, or notice form in use complies with Colorado law. The necessary elements of the certification shall be determined by the commissioner.    All insurers providing automobile insurance and who are authorized by the commissioner to conduct business in Colorado shall also submit to the commissioner a list of any new policy form, endorsement, cancellation notice, renewal notice, disclosure form, notice of proposed premium increase, notice of proposed reductions in coverage, and any other form as may be requested by the commissioner at least thirty-one days before using such policy form, endorsement, cancellation notice, renewal notice, disclosure form, notice of proposed premium increase, notice of proposed reductions in coverage, and any other form as may be requested by the commissioner. Such listing shall also contain a certification by an officer of the organization that to the best of the officer's knowledge each new policy form, endorsement, or notice form proposed to be used complies with Colorado law. The necessary elements of the certification shall be determined by the commissioner.    The commissioner shall have the power to examine and investigate insurers authorized to conduct business in Colorado to determine whether automobile policy forms, endorsements, cancellation notices, renewal notices, disclosure forms, notices of proposed premium increases, notices of proposed reductions in coverage, and such other forms as may be requested by the commissioner comply with the certification of the organization and statutory mandates.     History. Source: L. 2003: Entire section added, p. 1570, § 3, effective July 1.    Editor's note:   This section was originally numbered as § 10-4-630 in House Bill 03-1188 but has been renumbered on revision for ease of location.
CO Code § 10-4-634 (2021)
2021 Colorado Code|Title 10 - Insurance|Article 4 - Property and Casualty Insurance|Part 6 - Automobile Insurance Policy - Regulations|§ 10-4-634. Assignment of Payment for Covered Benefits

  A policy of motor vehicle insurance coverage pursuant to this part 6 shall allow, but not require, an insured under the policy to assign, in writing, payments due under medical payments coverage of the policy to a licensed hospital or other licensed health care provider; an occupational therapist, as defined in section 12-270-104 (9); an occupational therapy assistant, as defined in section 12-270-104 (11); or a massage therapist, as defined in section 12-235-104 (5), for services provided to the insured that are covered under the policy.    When a licensed hospital or other licensed health-care provider, occupational therapist, or massage therapist receives an assignment from an insured, it is the responsibility of the provider to bill the insurer and notify the insurer that the licensed health-care provider holds an assignment on file. The insurer shall honor this assignment the same as if a copy of the assignment had been received by the insurer. Only upon request of the insurer shall the health-care provider be required to provide a copy of the assignment. The provider shall also provide a copy of such bill to the insured, stating on such copy that it is for informational purposes only and that the insurer has been billed for covered benefits. The provider shall also furnish to the insurer a current taxpayer identification number as part of the initial bill and each subsequent billing. Subsequent billings to an insurer need not include a copy of the assignment unless required by the insurer so long as it is clearly noted on each such subsequent billing that the benefits have been assigned. The insurer shall honor such assignment and make payment of covered benefits directly to such licensed hospital or other licensed health-care provider, occupational therapist, or massage therapist. If the insurer fails to honor such assignment but instead makes payment to the insured, and if the insured fails to timely pay an amount equivalent to such payment to the licensed hospital or other licensed health-care provider, then the insurer shall be liable for such payment directly to the licensed hospital or other licensed health-care provider, occupational therapist, or massage therapist. It shall be the responsibility of the licensed hospital or other licensed health-care provider, occupational therapist, or massage therapist to notify the insurer if timely payment has not been received.     History. Source: L. 2004: Entire section added, p. 250, § 1, effective April 5. L. 2008: (1) amended, p. 830, § 5, effective July 1. L. 2009: (1) amended,(SB 09-292), ch. 369, p. 1943, § 14, effective August 5. L. 2010: (1) amended,(HB 10-1220), ch. 197, p. 855, § 19, effective July 1. L. 2019: (1) amended,(HB 19-1172), ch. 136, p. 1651, § 34, effective October 1. L. 2021: (1) amended,(SB 21-003), ch. 4, p. 28, § 2, effective January 21.
CO Code § 10-4-637 (2021)
2021 Colorado Code|Title 10 - Insurance|Article 4 - Property and Casualty Insurance|Part 6 - Automobile Insurance Policy - Regulations|§ 10-4-637. No Discrimination by Profession

 Reimbursement for lawfully performed health care services covered by a policy providing medical payments coverage under a motor vehicle policy issued pursuant to this part 6 shall not be denied when such services are a covered benefit and rendered within the scope of practice for a licensed health-care provider; a massage therapist, as defined in section 12-235-104 (5) ; an occupational therapist, as defined in section 12-270-104 (9) ; or an occupational therapy assistant, as defined in section 12-270-104 (11) , performing the services.   History. Source: L. 2004: Entire section added, p. 530, § 1, effective January 1, 2005. L. 2007: Entire section amended, p. 2019, § 9, effective June 1. L. 2008: Entire section amended, p. 830, § 6, effective July 1; entire section amended, p. 1994, § 4, effective July 1. L. 2010: Entire section amended,(HB 10-1220), ch. 197, p. 855, § 21, effective July 1. L. 2019: Entire section amended,(HB 19-1172), ch. 136, p. 1652, § 36, effective October 1. L. 2021: Entire section amended,(SB 21-003), ch. 4, p. 28, § 4, effective January 21.    Editor's note:   Amendments to this section by Senate Bill 08-152 and Senate Bill 08-219 were harmonized.
CO Code § 10-4-638 (2021)
2021 Colorado Code|Title 10 - Insurance|Article 4 - Property and Casualty Insurance|Part 6 - Automobile Insurance Policy - Regulations|§ 10-4-638. Retroactive Adjustment of Health-Care Service Claims

  Twelve months or more after the date a claim is paid for health-care services performed pursuant to this part 6, an insurer may not retroactively adjust the payment of the claim.    Adjustments to claims made pursuant to a policy providing for medical payments coverage in cases where a carrier has reported fraud or abuse, pursuant to section 10-1-128 (5)(a)(IV), committed by the provider shall not be subject to the requirements of subsection (1) of this section.     History. Source: L. 2004: Entire section added, p. 530, § 1, effective January 1, 2005.