reglab/housing_qa huggingface dataset:
WY Stat § 26-12-204 (2021)
2021 Wyoming Statutes|Title 26 - Insurance Code|Chapter 12 - Unauthorized Insurers - Prohibitions, Process and Advertising|Article 2 - Unauthorized Insurers Process Act|Section 26-12-204 - Exemptions From Service of Process Provisions.

26-12-204. Exemptions from service of process provisions.| (a) W.S. 26-12-202 and 26-12-203 do not apply to surplus line insurance lawfully carried out under chapter 11, or to reinsurance, or to any action or proceeding against an unauthorized insurer arising out of any of the following if the policy or contract contains a provision designating the commissioner as its attorney for the acceptance of service of lawful process in any action or proceeding instituted by or on behalf of an insured or beneficiary arising out of that policy, or if the insurer enters a general appearance in any such action:  (i) Wet marine and transportation insurance;  (ii) Insurance on subjects located, resident or to be performed wholly outside this state, or on vehicles or aircraft owned and principally garaged outside this state;  (iii) Insurance on property or operations of railroads engaged in interstate commerce; or  (iv) Insurance on aircraft or cargo of that aircraft, or against liability, other than employer's liability, arising out of the ownership, maintenance or use of that aircraft.
WY Stat § 26-12-205 (2021)
2021 Wyoming Statutes|Title 26 - Insurance Code|Chapter 12 - Unauthorized Insurers - Prohibitions, Process and Advertising|Article 2 - Unauthorized Insurers Process Act|Section 26-12-205 - Defense of Action by Unauthorized Insurer.

26-12-205. Defense of action by unauthorized insurer.| (a) Before an unauthorized insurer files or causes to be filed any pleading in any action or proceeding instituted against it under W.S. 26-12-202 and 26-12-203, that insurer shall:  (i) Procure a certificate of authority to transact insurance in this state; or  (ii) Deposit with the clerk of the court in which the action or proceeding is pending cash or securities, or file with the clerk a bond with good and sufficient sureties, to be approved by the court, in an amount the court fixes sufficient to secure the payment of any final judgment which may be rendered in the action, except that the court may make an order dispensing with the deposit or bond if the insurer shows to the court's satisfaction that it:  (A) Maintains in a state of the United States funds or securities sufficient and available to satisfy any final judgment which may be entered in the action or proceeding; and  (B) Will pay any final judgment entered therein without requiring suit to be brought on the judgment in the state where the funds or securities are located.  (b) The court in any action or proceeding in which service is made in the manner provided in W.S. 26-12-203 may order a postponement as necessary to afford the defendant reasonable opportunity to comply with the provisions of subsection (a) of this section and to defend the action.  (c) Nothing in subsection (a) of this section prevents an unauthorized insurer from filing a motion to quash or to set aside the service of any process made in the manner provided in W.S. 26-12-203 on the ground either:  (i) That the unauthorized insurer did not engage in any of the acts enumerated in W.S. 26-12-202; or  (ii) That the person on whom service was made pursuant to W.S. 26-12-203 was not engaged in any of the acts enumerated in W.S. 26-12-202.
WY Stat § 26-12-206 (2021)
2021 Wyoming Statutes|Title 26 - Insurance Code|Chapter 12 - Unauthorized Insurers - Prohibitions, Process and Advertising|Article 2 - Unauthorized Insurers Process Act|Section 26-12-206 - Attorney Fees in Actions Against Unauthorized Insurer.

26-12-206. Attorney fees in actions against unauthorized insurer.| In any action against an unauthorized insurer, if the insurer fails for thirty (30) days after demand prior to the commencement of the action to make payment in accordance with the terms of the contract, and it appears to the court that the refusal is without reasonable cause, the court shall allow to the plaintiff a reasonable attorney fee and include that fee in any judgment that may be rendered in the action. The fee shall not be less than one hundred dollars ($100.00). Failure of an insurer to defend any such action is prima facie evidence that its failure to make payment was without reasonable cause.
WY Stat § 26-12-301 (2021)
2021 Wyoming Statutes|Title 26 - Insurance Code|Chapter 12 - Unauthorized Insurers - Prohibitions, Process and Advertising|Article 3 - Unauthorized Insurers False Advertising Process Act|Section 26-12-301 - Short Title.

26-12-301. Short title.| This article constitutes and may be cited as the "Unauthorized Insurers False Advertising Process Act".
WY Stat § 26-12-302 (2021)
2021 Wyoming Statutes|Title 26 - Insurance Code|Chapter 12 - Unauthorized Insurers - Prohibitions, Process and Advertising|Article 3 - Unauthorized Insurers False Advertising Process Act|Section 26-12-302 - False Advertising Prohibited; Notification by Commissioner of Misrepresentation.

26-12-302. False advertising prohibited; notification by commissioner of misrepresentation.| No unauthorized insurer, in any manner, shall misrepresent to any person in this state as to its financial condition or the terms of any contract issued or to be issued by it or the advantages thereof, or the dividends or share of the surplus to be received thereon. If the commissioner believes that any unauthorized insurer is misrepresenting any of the items specified in this section, he shall notify the insurer and the insurance supervisory official of the insurer's domiciliary state or province by registered or certified mail.
WY Stat § 26-12-303 (2021)
2021 Wyoming Statutes|Title 26 - Insurance Code|Chapter 12 - Unauthorized Insurers - Prohibitions, Process and Advertising|Article 3 - Unauthorized Insurers False Advertising Process Act|Section 26-12-303 - Enforcement by Commissioner; Penalty for Violation.

26-12-303. Enforcement by commissioner; penalty for violation.| (a) If within thirty (30) days following the giving of the notice specified in W.S. 26-12-302 the insurer has not ceased dissemination of any false advertising, and if the commissioner believes that the insurer is soliciting, issuing or delivering contracts of insurance to residents of this state or collecting premiums on those contracts or performing any other transaction in connection with that insurance, and that a proceeding by him in respect to those matters would be in the public interest, he shall take action against the insurer under W.S. 26-13-117.  (b) If pursuant to the proceeding the commissioner finds that the dissemination of false advertising is continuing, he shall order the insurer to desist therefrom and shall mail a copy of the order by certified or registered mail to the insurer at its principal place of business last of record with the commissioner and to the insurance supervisory official of the insurer's domiciliary state or province. Each violation after mailing of the desist order subjects the insurer to a penalty of two thousand dollars ($2,000.00), to be recovered by a civil action the commissioner brings against the insurer. Service of process upon the insurer in the action may be made upon the commissioner pursuant to W.S. 26-12-202 and 26-12-203 or in any other lawful manner.
WY Stat § 26-13-101 (2021)
2021 Wyoming Statutes|Title 26 - Insurance Code|Chapter 13 - Trade Practices and Frauds|Article 1 - Unfair Trade Practices Act|Section 26-13-101 - Short Title.

26-13-101. Short title.| This article constitutes and may be cited as the "Unfair Trade Practices Act".
WY Stat § 26-13-102 (2021)
2021 Wyoming Statutes|Title 26 - Insurance Code|Chapter 13 - Trade Practices and Frauds|Article 1 - Unfair Trade Practices Act|Section 26-13-102 - Unfair Methods and Deceptive Acts Prohibited.

26-13-102. Unfair methods and deceptive acts prohibited.| No person shall engage in this state in any trade practice which is defined in this article as or is determined pursuant to this article to be an unfair method of competition or an unfair or deceptive act or practice in the business of insurance.
WY Stat § 26-13-103 (2021)
2021 Wyoming Statutes|Title 26 - Insurance Code|Chapter 13 - Trade Practices and Frauds|Article 1 - Unfair Trade Practices Act|Section 26-13-103 - Misrepresentations and False Advertising Prohibited.

26-13-103. Misrepresentations and false advertising prohibited.| (a) No person shall:  (i) Make, issue, circulate, or cause to be made, issued or circulated, any estimate, circular or statement misrepresenting the terms of any policy issued or to be issued or the benefits or advantages promised thereby or the dividends or share of the surplus to be received thereon;  (ii) Make any false or misleading statement as to the dividends or share of surplus previously paid on similar policies;  (iii) Make any misleading representation or any misrepresentation as to the financial condition of any insurer or as to the legal reserve system upon which any life insurer operates; or  (iv) Use any name or title of any policy or class of policies misrepresenting the true nature thereof.
WY Stat § 26-13-104 (2021)
2021 Wyoming Statutes|Title 26 - Insurance Code|Chapter 13 - Trade Practices and Frauds|Article 1 - Unfair Trade Practices Act|Section 26-13-104 - Home Office False Advertising Prohibited.

26-13-104. Home office false advertising prohibited.| No person shall make in any manner in any advertising or other communication medium any advertisement, announcement or statement containing any assertion, representation or statement with respect to the business of insurance or with respect to any person in the conduct of his insurance business, which is untrue, deceptive or misleading.
WY Stat § 26-13-105 (2021)
2021 Wyoming Statutes|Title 26 - Insurance Code|Chapter 13 - Trade Practices and Frauds|Article 1 - Unfair Trade Practices Act|Section 26-13-105 - "Twisting" Prohibited.

26-13-105. "Twisting" prohibited.| No person shall make or issue, nor cause to be made or issued, any written or oral statement misrepresenting or making incomplete comparisons as to the terms, conditions or benefits contained in any policy for the purpose of inducing or attempting to induce the policyholder to lapse, forfeit, surrender, retain, exchange or convert any insurance policy.
WY Stat § 26-13-106 (2021)
2021 Wyoming Statutes|Title 26 - Insurance Code|Chapter 13 - Trade Practices and Frauds|Article 1 - Unfair Trade Practices Act|Section 26-13-106 - False or Misleading Financial Statements Prohibited.

26-13-106. False or misleading financial statements prohibited.| (a) No person shall:  (i) File with any supervisory or other public official or in any manner place or cause to be placed before any other person, any false statement of financial condition of an insurer with intent to deceive;  (ii) Make any false entry in any book, report or statement of any insurer with intent to deceive:  (A) Any agent or examiner lawfully appointed to examine into its condition or into any of its affairs; or  (B) Any public official to whom the insurer is required by law to report, or who has authority by law to examine into its condition or into any of its affairs.  (iii) With intent to deceive, willfully omit a true entry of any material fact pertaining to the insurer's business in any book, report or statement of the insurer; or  (iv) Advertise the capital or assets of an insurer without in the same advertisement setting forth the amount of the insurer's liabilities in equal prominence to the statement of capital and assets.
WY Stat § 26-13-107 (2021)
2021 Wyoming Statutes|Title 26 - Insurance Code|Chapter 13 - Trade Practices and Frauds|Article 1 - Unfair Trade Practices Act|Section 26-13-107 - Defamation Prohibited.

26-13-107. Defamation prohibited.| No person shall make or aid, abet or encourage the making in any manner in any communication medium of any oral or written statement which is false or maliciously critical of or derogatory to an insurer's financial condition, or of an organization proposing to become an insurer, and which is made to injure any person engaged or proposing to engage in the insurance business.
WY Stat § 26-13-108 (2021)
2021 Wyoming Statutes|Title 26 - Insurance Code|Chapter 13 - Trade Practices and Frauds|Article 1 - Unfair Trade Practices Act|Section 26-13-108 - Boycott, Coercion and Intimidation Prohibited; Exception.

26-13-108. Boycott, coercion and intimidation prohibited; exception.| No person shall enter into any agreement to commit, or by any concerted action commit, any act of boycott, coercion or intimidation resulting in unreasonable restraint of or any monopoly in any business of insurance, except that an insurer owned or controlled by an association or organization may refuse to renew a casualty or liability policy because of nonpayment of dues to the association or organization if payment of dues is a prerequisite to obtaining or continuing the insurance.
WY Stat § 26-13-109 (2021)
2021 Wyoming Statutes|Title 26 - Insurance Code|Chapter 13 - Trade Practices and Frauds|Article 1 - Unfair Trade Practices Act|Section 26-13-109 - Unfair Discrimination Prohibited in Regard to Life Insurance, Annuities and Disability Insurance.

26-13-109. Unfair discrimination prohibited in regard to life insurance, annuities and disability insurance.| (a) No person shall make or permit any unfair discrimination between individuals:  (i) Of the same class and equal expectation of life in the rates charged for any contract of life insurance or of life annuity or in the dividends or other benefits payable thereon, or in any other of the terms and conditions of that contract;  (ii) Of the same class and of essentially the same hazard in:  (A) The amount of premium, policy fees or rates charged for any policy or contract of disability insurance;  (B) The benefits payable thereunder;  (C) Any of the terms or conditions of the contract; or  (D) Any other manner.  (b) If a disability insurance contract provides for payment or reimbursement for services which may be legally performed by a person licensed in this state for the practice of dentistry, payment or reimbursement shall not be denied or refused solely for the reason that the services are rendered by a person licensed to practice dentistry.
WY Stat § 26-13-110 (2021)
2021 Wyoming Statutes|Title 26 - Insurance Code|Chapter 13 - Trade Practices and Frauds|Article 1 - Unfair Trade Practices Act|Section 26-13-110 - Rebates and Favors as to Life, Disability and Annuity Contracts Prohibited.

26-13-110. Rebates and favors as to life, disability and annuity contracts prohibited.| (a) Except as otherwise provided by law, no person shall:  (i) Knowingly permit or offer to make or make any contract of life insurance, life annuity or disability insurance, or agreement as to that contract other than as expressed in the contract issued thereon;  (ii) Pay, allow or give or offer to pay, allow or give in any manner as inducement to the insurance or annuity:  (A) Any rebate of premiums payable on the contract;  (B) Any special favor or advantage in the dividends or other benefits thereon;  (C) Any paid employment or contract for services of any kind; or  (D) Any valuable consideration or inducement not specified in the contract.  (iii) In any manner give, sell or purchase or offer or agree to give, sell, purchase or allow as inducement to the insurance or annuity or in connection therewith, and whether or not to be specified in the policy or contract, any agreement of any form or nature promising:  (A) Returns and profits;  (B) Any stocks, bonds or other securities, or interest present or contingent therein or as measured thereby, of any insurer or other corporation, association or partnership; or  (C) Any dividends or profits accrued or to accrue thereon.
WY Stat § 26-13-111 (2021)
2021 Wyoming Statutes|Title 26 - Insurance Code|Chapter 13 - Trade Practices and Frauds|Article 1 - Unfair Trade Practices Act|Section 26-13-111 - Exceptions to Provisions on Discrimination, Rebates and Stock Inducements.

26-13-111. Exceptions to provisions on discrimination, rebates and stock inducements.| (a) Nothing in W.S. 26-13-109 and 26-13-110 includes within the definition of discrimination or rebates any of the following practices:  (i) In the case of any contract of life insurance or life annuity, paying bonuses to policyholders or otherwise abating their premiums in whole or in part out of surplus accumulated from nonparticipating insurance, provided that any such bonuses or abatement of premiums shall be fair and equitable to policyholders and for the insurer and its policyholders' best interests;  (ii) In the case of life insurance policies issued on the industrial debit plan, making allowance to policyholders who have continuously for a specified period made premium payments directly to an office of the insurer in an amount which fairly represents the saving in collection expense;  (iii) Readjustment of the rate of premium for a group insurance policy based on the loss or expense experience thereunder, at the end of the first or any subsequent policy year of insurance thereunder, which may be made retroactive only for that policy year;  (iv) Reduction of premium rate for policies of large amount, but not exceeding savings in issuance and administration expenses reasonably attributable to those policies as compared with policies of a similar plan issued in smaller amounts;  (v) Reduction in premium rates for life or disability insurance policies on annuity contracts on salary savings, payroll deduction, preauthorized check, bank draft or similar plans in amounts reasonably commensurate with the savings made by the use of those plans.  (b) Nothing in W.S. 26-13-109, 26-13-110 and 26-13-114 includes within the definition of securities as inducements to purchase insurance, the selling or offering for sale, contemporaneously with life insurance, of mutual fund shares or face amount certificates of regulated investment companies under offerings registered with the securities and exchange commission if the shares or the face amount certificates or the insurance may be purchased independently of and not contingent upon purchase of the other, at the same price and upon the same terms and conditions as if purchased independently.
WY Stat § 26-13-112 (2021)
2021 Wyoming Statutes|Title 26 - Insurance Code|Chapter 13 - Trade Practices and Frauds|Article 1 - Unfair Trade Practices Act|Section 26-13-112 - Unfair Discrimination, Rebates and Favors Prohibited for Property, Casualty and Surety Insurers.

26-13-112. Unfair discrimination, rebates and favors prohibited for property, casualty and surety insurers.| (a) No property, casualty or surety insurer or any employee or representative thereof, and no broker or agent shall pay, allow or give, or offer to pay, allow or give, in any manner, as an inducement to insurance, or after insurance has been effected, any valuable consideration or inducement of any kind not specified or provided for in the policy, except to the extent provided for in an applicable filing with the commissioner as provided by law.  (b) No insured named in a policy, nor any employee of the insured shall knowingly receive or accept in any manner any rebate, discount, abatement credit or reduction of premium, or any special favor, advantage, valuable consideration or inducement.  (c) No insurer shall make or permit any unfair discrimination between insureds or property having like insuring or risk characteristics, in the premium or rates charged for insurance, in the dividends or other benefits payable on the insurance or in any other of the terms and conditions of the insurance.  (d) Nothing in this section prohibits:  (i) The payment of commissions or other compensation to licensed agents or brokers; or  (ii) Any insurer from allowing or returning to its participating policyholders, members or subscribers, dividends, savings or unabsorbed premium deposits.  (e) As used in this section:  (i) "Insurance" includes suretyship;  (ii) "Policy" includes bond.
WY Stat § 26-13-113 (2021)
2021 Wyoming Statutes|Title 26 - Insurance Code|Chapter 13 - Trade Practices and Frauds|Article 1 - Unfair Trade Practices Act|Section 26-13-113 - Deductible Amount of Collision Coverage; Subrogation; Right to Deductible.

26-13-113. Deductible amount of collision coverage; subrogation; right to deductible.| (a) If an insurer pays a loss claim to its insured and the insurer decides to subrogate to the insured's loss claim, the deductible amount shall be included in the subrogated loss claim and the insurance carrier shall pay the deductible amount to its insured, without any deduction for expenses of collection, out of any recovery on the subrogated claim, before any part of the recovery is applied to any other use. If the amount of the deductible exceeds the recovery, the insurer shall pay only the amount of the recovery to the insured.  (b) If in any arbitration of the subrogated claim two (2) or more insurers agree to offset the claims of their insureds, the right of any insured to the return of his full deductible amount shall not be abridged.
WY Stat § 26-13-114 (2021)
2021 Wyoming Statutes|Title 26 - Insurance Code|Chapter 13 - Trade Practices and Frauds|Article 1 - Unfair Trade Practices Act|Section 26-13-114 - Securities Operations and Advisory Board Contracts as Insurance Inducement Prohibited.

26-13-114. Securities operations and advisory board contracts as insurance inducement prohibited.| No insurer or other person shall offer, issue or deliver or permit its agents, officers or employees to offer, issue or deliver, in this or any other state, agency company stock or other capital stock, benefit certificates, shares in any common-law corporation or any advisory board contract promising returns and profits as an inducement to insurance.
WY Stat § 26-13-115 (2021)
2021 Wyoming Statutes|Title 26 - Insurance Code|Chapter 13 - Trade Practices and Frauds|Article 1 - Unfair Trade Practices Act|Section 26-13-115 - Desist Orders by Commissioner; Appeal; Violation of Order.

26-13-115. Desist orders by commissioner; appeal; violation of order.| (a) If the commissioner finds that any person in this state, after a hearing in which the person is notified of the hearing and the charges against him, has engaged or is engaging in any act or practice defined in or prohibited under this chapter, the commissioner shall order the person to desist from the acts or practices.  (b) The desist order is final upon expiration of the time allowed for appeals from the commissioner's orders, if no appeal is taken, or, if there is an appeal, upon final decision of the court if the court affirms the commissioner's order or dismisses the appeal. An intervenor in the hearing may appeal as provided in W.S. 26-2-129.  (c) If there is an appeal, to the extent that the commissioner's order is affirmed, the court shall issue its own order commanding obedience to the terms of the commissioner's order.  (d) No order of the commissioner pursuant to this section or order of the court to enforce it in any way relieves or absolves any person affected by the order from any other liability, penalty or forfeiture under law.  (e) Violation of any desist order is punishable as a violation of this code.  (f) This section does not affect or prevent the imposition of any penalty provided by this code or by other law for violation of any other provision of this chapter, whether or not any hearing is called or held or any desist order issued.