reglab/housing_qa huggingface dataset:
18 DE Code § 3820. (2021)
2021 Delaware Code|Title 18 - Insurance Code|Chapter 38. Dental Plan Organization Act|§ 3820. Confidentiality of data pertaining to diagnosis, treatment or health of enrollees.

§ 3820. Confidentiality of data pertaining to diagnosis, treatment or health of enrollees. Data or information pertaining to the diagnosis, treatment or health of any enrollee obtained by the dental plan organization from the enrollee or any dentist shall be confidential and shall not be disclosed to any person except to the extent that it may be necessary to carry out the purposes of this chapter, or upon the express consent of the enrollee or pursuant to statute or court order for the production of evidence of the discovery thereof, or in the event of claim or litigation between the enrollee and the dental plan organization wherein the data or information is pertinent. A dental plan organization shall be entitled to claim any statutory privileges against such disclosure which the dentist who furnished the information to the dental plan organization is entitled to claim. 63 Del. Laws, c. 49, §  1;
18 DE Code § 3821. (2021)
2021 Delaware Code|Title 18 - Insurance Code|Chapter 38. Dental Plan Organization Act|§ 3821. Exemptions from application of chapter.

§ 3821. Exemptions from application of chapter. Except with respect to the dental plan organization activities of a duly organized and authorized insurer or medical or dental service corporation, which activities are authorized and regulated pursuant to this chapter, this chapter shall not apply to a person engaged as indemnitor or contractor in the business of life insurance, health insurance or of annuity, nor shall it apply to a medical service corporation or dental service corporation. This chapter shall not apply to the dental plan activities of a duly authorized health service corporation. 63 Del. Laws, c. 49, §  1;
18 DE Code § 3822. (2021)
2021 Delaware Code|Title 18 - Insurance Code|Chapter 38. Dental Plan Organization Act|§ 3822. Rules and regulations.

§ 3822. Rules and regulations. The Commissioner may promulgate such rules and regulations as he or she may deem necessary to effectuate the purposes of this chapter. 63 Del. Laws, c. 49, §  1;  70 Del. Laws, c. 186, §  1;
18 DE Code § 3823. (2021)
2021 Delaware Code|Title 18 - Insurance Code|Chapter 38. Dental Plan Organization Act|§ 3823. Advisory Council.

§ 3823. Advisory Council. Repealed by 77 Del. Laws, c. 106, § 2, effective July 6, 2009.
18 DE Code § 3901. (2021)
2021 Delaware Code|Title 18 - Insurance Code|Chapter 39. Casualty Insurance Contracts|§ 3901. Contracts subject to general provisions.

§ 3901. Contracts subject to general provisions. All contracts of casualty insurance covering subjects resident, located or to be performed in this State are subject to the applicable provisions of Chapter 27 (The Insurance Contract) of this title, and to other applicable provisions of this title. 18 Del. C. 1953, §  3901;  56 Del. Laws, c. 380, §  1;
18 DE Code § 3905. (2021)
2021 Delaware Code|Title 18 - Insurance Code|Chapter 39. Casualty Insurance Contracts|§ 3905. Cancellation or nonrenewal of automobile policy — Notice of cancellation or intention not to renew; notice of reasons [For application of this section, see 79 Del. Laws, c. 390, § 8].

§ 3905. Cancellation or nonrenewal of automobile policy — Notice of cancellation or intention not to renew; notice of reasons [For application of this section, see 79 Del. Laws, c. 390, § 8]. (a) No cancellation of a policy to which § 3904(a) of this title applies shall be effective unless notice thereof is mailed or delivered by the insurer to the named insured at least 30 days prior to the effective date of cancellation and accompanied by the reason for cancellation, except that, where cancellation is for nonpayment of premium, at least 15 days' notice of cancellation accompanied by the reason therefor shall be given. (b) No insurer shall fail to renew a policy except to which § 3903(b) of this title applies, unless it shall mail or deliver to the named insured, at his or her address last of record with the insurer, at least 30 days advance notice of its intention to nonrenew accompanied by the reason or reasons therefor. This subsection shall not apply in case of nonpayment of premium or if the insurer has manifested its willingness to renew. Notwithstanding the failure of an insurer to comply with this subsection, the policy shall terminate on the effective date of any other policy procured by the insured with respect to any automobile designated in both policies. Renewal of a policy shall not constitute a waiver or estoppel with respect to grounds for cancellation or nonrenewal which existed before the effective date of the renewal. (c) The mailing of the notice of cancellation, or of intention not to renew, to the named insured at his or her last address of record with the insurer, shall be by certified mail or by USPS Intelligent Mail barcode (IMb). Proof of mailing of such notice shall be retained by the insurer for a period of not less than 1 year. This subsection shall not apply in case of nonpayment of premium. (d) When a policy is cancelled or nonrenewed, other than for nonpayment of premium, the insurer shall notify the named insured of any possible eligibility for insurance through an automobile assigned risk plan. Such notice shall accompany or be included in the notice of cancellation or the notice of intent not to renew, and shall state that such notice of availability of the automobile assigned risk plan is given pursuant to this section. (e) Each notice of cancellation, except as provided in § 3903(b) of this title, or nonrenewal of a policy shall contain or be accompanied by a notice of the named insured's right to apply to the Commissioner for an appeal therefrom. 18 Del. C. 1953, §  3905;  56 Del. Laws, c. 380, §  1;  59 Del. Laws, c. 154, §  2;  63 Del. Laws, c. 243, §  3;  70 Del. Laws, c. 186, §  1;  79 Del. Laws, c. 390, §  5;  82 Del. Laws, c. 160, § 2;  83 Del. Laws, c. 221, § 2;
18 DE Code § 3906. (2021)
2021 Delaware Code|Title 18 - Insurance Code|Chapter 39. Casualty Insurance Contracts|§ 3906. Cancellation or nonrenewal of automobile policy — Appeal to the Commissioner; order.

§ 3906. Cancellation or nonrenewal of automobile policy — Appeal to the Commissioner; order. (a) A named insured who wishes to contest the reason or reasons for a cancellation or nonrenewal to which § 3904 of this title is applicable shall not less than 20 days prior to the effective date of cancellation or nonrenewal mail or deliver to the Commissioner a request for a review, which shall state clearly the basis for the appeal. The Commissioner's review of a named insured's appeal shall be on the papers. This subsection shall not apply to cancellation for nonpayment of premium. A cancellation or nonrenewal which is subject to the provisions of § 3904 of this title shall be deemed effective, unless the Commissioner determines otherwise in accordance with the provisions of such section. (b) Within 2 working days after receipt of a timely request for an appeal, the Commissioner shall forward a copy of the insured's request to the insurer. Within 5 working days of its receipt of the appeal, the insurer shall submit to the Commissioner all documentation supporting the insurer's statutory authority to cancel or nonrenew the policy. The Commissioner may, where he or she finds that an unfairness will result to the insured because of delays or other circumstances beyond his or her control, extend the effective date of cancellation or nonrenewal for a period not to exceed 4 days from the date the notice of cancellation or nonrenewal was received by the insured. Each insurer authorized to transact automobile insurance in this State shall maintain a file with the Commissioner of the name and address of the person authorized to receive notices pursuant to this section on behalf of the insurer. (c) The Commissioner, based on the documents submitted by the parties and at least 5 days prior to the effective date of the cancellation or nonrenewal, shall issue his or her written findings to the parties and, if he or she finds for the named insured, the Commissioner shall either order the insurer to rescind its notice of cancellation or nonrenewal or, if the date cancellation or nonrenewal is to be effective has lapsed, order the policy reinstated. Such order shall operate retroactively only to cover a period not to exceed 15 days from the date cancellation or nonrenewal otherwise would have been effective and prospectively from the date on which the order was issued, except that no policy shall be reinstated while the named insured is in arrears in payment of premium on the policy. If the Commissioner finds for the insurer, the Commissioner's written order shall so state. Reinstatement of a policy under this subsection shall not operate in any way to extend the expiration, termination or anniversary date provided in the policy. (d) [Repealed.] 18 Del. C. 1953, §  3906;  56 Del. Laws, c. 380, §  1;  59 Del. Laws, c. 154, §  3;  70 Del. Laws, c. 186, §  1;  78 Del. Laws, c. 350, §  1;  83 Del. Laws, c. 221, § 3;
18 DE Code § 3907. (2021)
2021 Delaware Code|Title 18 - Insurance Code|Chapter 39. Casualty Insurance Contracts|§ 3907. Cancellation or nonrenewal of automobile policy — Nonliability as to information; statements.

§ 3907. Cancellation or nonrenewal of automobile policy — Nonliability as to information; statements. There shall be no liability on the part of and no cause of action of any nature shall arise against the Commissioner or the insurer, its authorized representative, its agents, its employees or any firm, person or corporation furnishing to the insurer information as to reasons for cancellation or refusal to renew any policy under § § 3903-3906 of this title, for any statement made by any of them in any written notice or explanation of cancellation or refusal to renew, for the providing of information pertaining thereto, or for statements made or evidence submitted during an appeal conducted in connection therewith. 18 Del. C. 1953, §  3907;  56 Del. Laws, c. 380, §  1;  83 Del. Laws, c. 221, § 4;
18 DE Code § 3908. (2021)
2021 Delaware Code|Title 18 - Insurance Code|Chapter 39. Casualty Insurance Contracts|§ 3908. Cancellation or nonrenewal of automobile policy — Exceptions related to insurer's condition.

§ 3908. Cancellation or nonrenewal of automobile policy — Exceptions related to insurer's condition. Nothing contained in §§ 3903-3907 of this title shall be construed to prevent the cancellation or nonrenewal of any such insurance where:  (1) Cancellation or nonrenewal is ordered under or in connection with a statutory delinquency proceeding commenced against the insurer under Chapter 59 of this title (Rehabilitation and Liquidation); or (2) Cancellation or nonrenewal has been consented to by the Commissioner on a showing that continuation of such insurance can reasonably be expected to create a condition in the insurer hazardous to its policyholders, or to its creditors, or to its members, subscribers or stockholders, or to the public.18 Del. C. 1953, §  3908;  56 Del. Laws, c. 380, §  1;
18 DE Code § 3909. (2021)
2021 Delaware Code|Title 18 - Insurance Code|Chapter 39. Casualty Insurance Contracts|§ 3909. Automobile insurance; exclusion, cancellation or nonrenewal.

§ 3909. Automobile insurance; exclusion, cancellation or nonrenewal. (a) The insurer shall have the right to exclude, cancel or refuse to renew coverage under an automobile insurance policy as to designated individuals. Any such cancellation or refusal to renew shall be subject to the applicable provisions of § 3903 through and including § 3907 of this title, and the notice provisions of those said sections shall apply equally to the exclusion, cancellation or refusal to renew coverage as to a designated individual or individuals. (b) In any case where an insurer is authorized under this chapter to cancel or nonrenew any automobile policy under which more than 1 person is insured because of the record of 1 or more, but less than all of the persons insured under the policy, the insurer shall, in lieu of cancellation or nonrenewal, offer to continue or renew the insurance, but to exclude from coverage, by name, the person or persons whose record would have justified the cancellation or nonrenewal. The premiums charged on any such policy excluding a named driver or drivers shall not reflect the claims, experience or driving record of the excluded named driver or drivers. (c) With respect to any person excluded from coverage under this section, the policy may provide that the insurer shall not be liable for damages, losses or claims arising out of this operation or use of the insured motor vehicle, whether or not such operation or use was with the express or implied permission of a person insured under the policy. (d) Every insurer shall be required to offer to the driver or drivers excluded under this section coverage of the same type or types and in an amount or amounts at least as great as the types and amount of coverage carried on the vehicle or vehicles that the designated person is being excluded from, which coverage shall be offered at rates commensurate with the driving record of such excluded driver or drivers; provided, however, that such excluded driver or drivers shall not be required to carry coverage in any amount or amounts greater than those amounts required by the financial responsibility law of the State. (e) The excluded driver or drivers shall be required to accept this offer of coverage, to furnish proof that such coverage is carried with another company, or surrender his or her motor vehicle operator's license to the Division of Motor Vehicles within 30 days after the offering of such coverage. Refusal to accept such coverage, the furnishing of adequate proof, or the failure to surrender his or her operator's license within the 30-day period will cause the cancellation of the policy or policies that they were excluded from. This provision shall apply as long as the designated individual could be considered a member of the household or possible occasional driver of the vehicle or vehicles he or she is being excluded from. 18 Del. C. 1953, §  3909;  56 Del. Laws, c. 380, §  1;  59 Del. Laws, c. 201, §  1;  70 Del. Laws, c. 186, §  1;
18 DE Code § 3910. (2021)
2021 Delaware Code|Title 18 - Insurance Code|Chapter 39. Casualty Insurance Contracts|§ 3910. Automobile insurance — Insurer's right to impose deductible on renewal.

§ 3910. Automobile insurance — Insurer's right to impose deductible on renewal. Nothing in §§ 3903-3909 of this title shall prohibit or be construed to prohibit an insurer from requiring a provision for a reasonable deductible not exceeding $100 in amount as to physical damage and comprehensive coverages of the policy as a condition to renewal of an automobile insurance policy. 18 Del. C. 1953, §  3910;  56 Del. Laws, c. 380, §  1;
18 DE Code § 3911. (2021)
2021 Delaware Code|Title 18 - Insurance Code|Chapter 39. Casualty Insurance Contracts|§ 3911. Legislation affecting renewal of policies — Notice of nonrenewal by insurer.

§ 3911. Legislation affecting renewal of policies — Notice of nonrenewal by insurer. (a) Any legislation enacted subsequent to July 9, 1973, or subsequent legislation affecting Chapter 21 of Title 21, shall not effect the renewal of policies as described in § 3903(a)(4) of this title, unless the legislation itself so specifies. (b) When an insurer intends not to renew a commercial liability insurance policy, other than an automobile insurance policy, notice of such nonrenewal shall be given to the named insured, in writing, not less than 60 days prior to the end of the policy period. For the purposes of this subsection, “renew” means the issuance and delivery by an insurer of a policy superseding at the end of the policy period a policy previously issued and delivered by the same insurer or the issuance and delivery of a certificate or notice extending the term of a policy beyond its policy period or term. Mailing of notice of intention not to renew to the named insured at his or her address last of record with the insurer shall be by certified mail. 18 Del. C. 1953, §  3911;  56 Del. Laws, c. 380, §  1;  59 Del. Laws, c. 154, §  4;  66 Del. Laws, c. 309, §  1;  70 Del. Laws, c. 186, §  1;
18 DE Code § 3912. (2021)
2021 Delaware Code|Title 18 - Insurance Code|Chapter 39. Casualty Insurance Contracts|§ 3912. Prohibition against premium increase or termination in certain circumstances.

§ 3912. Prohibition against premium increase or termination in certain circumstances. (a) No premium may be increased on any contract of casualty insurance based on a named insured or any other operator who either resides in the same household or customarily operates an automobile insured under such policy being revoked or suspended pursuant to § 1009 of Title 10. (b) No premium may be increased on any contract of casualty insurance based on a license revocation or suspension imposed on the named insured or any other operator who either resides in the same household or customarily operates an automobile insured under such policy for a nondriving-related drug offense pursuant to § 2707(b)(11) or § 4177H(a) of Title 21. (c) No premium may be increased on any contract of casualty insurance based on a named insured or any other operator who either resides in the same household or customarily operates an automobile insured under such policy being revoked or suspended pursuant to § 904 of Title 4. (d) No premium may be increased on any contract of casualty insurance based solely on a license denial or suspension imposed in accordance with § 516(g) or § 2216 of Title 13 on a named insured or any other operator who either resides in the same household or customarily operates an automobile insured under such policy. (e) No insurer may terminate, or increase any premium on, a contract of casualty insurance solely based on a named insured or any other operator who either resides in the same household or customarily operates an automobile insured under such policy serving as a driver who is not monetarily compensated for a nonprofit transportation entity, such as Independent Transportation Network of America and its affiliates. For purposes of this subsection, “nonprofit” means any organization subject to § 501(c)(3) of the Internal Revenue Code of 1986 (26 U.S.C. § 501(c)(3)), as amended. 59 Del. Laws, c. 307, §  5;  69 Del. Laws, c. 125, §  6;  70 Del. Laws, c. 452, §  9;  71 Del. Laws, c. 216, §  87;  71 Del. Laws, c. 228, §§  2, 4;  80 Del. Laws, c. 366, § 2;
18 DE Code § 3913. (2021)
2021 Delaware Code|Title 18 - Insurance Code|Chapter 39. Casualty Insurance Contracts|§ 3913. Requests for driving records; limitation.

§ 3913. Requests for driving records; limitation. No insurer issuing a policy of insurance as described in this chapter shall, before such policy is issued, require that the proposed insured provide such insurer with his or her driving record for any period other than the 3 years immediately preceding the proposed effective date of such policy; provided, however, that if no violations or accidents are reflected on such record for 2 years immediately preceding the proposed effective date of such policy during which period the insured held a valid operator's license, then an insurer may not consider more than such 2-year period for the purpose of issuing a policy of insurance. 62 Del. Laws, c. 391, §  1;  70 Del. Laws, c. 186, §  1;
18 DE Code § 3914. (2021)
2021 Delaware Code|Title 18 - Insurance Code|Chapter 39. Casualty Insurance Contracts|§ 3914. Notice of statute of limitations required.

§ 3914. Notice of statute of limitations required. An insurer shall be required during the pendency of any claim received pursuant to a casualty insurance policy to give prompt and timely written notice to claimant informing claimant of the applicable state statute of limitations regarding action for his or her damages. 63 Del. Laws, c. 236, §  1;  70 Del. Laws, c. 186, §  1;
18 DE Code § 3915. (2021)
2021 Delaware Code|Title 18 - Insurance Code|Chapter 39. Casualty Insurance Contracts|§ 3915. Cash refund on cancellation of policy.

§ 3915. Cash refund on cancellation of policy. (a) No insurer shall honor a request for a cash refund on cancellation of a policy by the insured until such time as the insured has provided sufficient evidence to the insurer that one of the following has occurred:  (1) The insured has other insurance in effect which provides at least such minimum insurance coverage as is set forth in § 2118 of Title 21. (2) The insured vehicle is no longer owned by the insured. (3) The vehicle is no longer operable or capable of being repaired so as to become operable. (4) The insured becomes self-insured under the provisions of § 2904 of Title 21. (b) The requirement of “sufficient evidence” under subsection (a) of this section is satisfied by the insured providing the insurer with an affidavit certifying that any 1 of the conditions set forth in subsection (a) of this section has occurred. The insurer shall notify any insured who requests a cash refund on cancellation of a policy of the requirements of this section, and shall provide an appropriate form of affidavit, approved by the Insurance Commissioner (who is expressly authorized to approve appropriate forms of such affidavit), for execution by the insured. Any form of affidavit presented to or executed by an insured under this section shall bear a notice to the effect that false statements therein are punishable pursuant to § 1233 of Title 11. 67 Del. Laws, c. 142, §  1;  67 Del. Laws, c. 218, §  1;
18 DE Code § 3916. (2021)
2021 Delaware Code|Title 18 - Insurance Code|Chapter 39. Casualty Insurance Contracts|§ 3916. Unfair trade practices.

§ 3916. Unfair trade practices. No insurance company, domestic or foreign, or any agent or employee shall require that automobile glass repair or replacement work be performed by a particular facility, individual or business establishment as a condition of payment of a claim. 69 Del. Laws, c. 195, §  1;
18 DE Code § 3917. (2021)
2021 Delaware Code|Title 18 - Insurance Code|Chapter 39. Casualty Insurance Contracts|§ 3917. Military deployment as a factor in automobile insurance rates.

§ 3917. Military deployment as a factor in automobile insurance rates. (a) An insurer shall not use a lapse in an insured's automobile insurance coverage as a factor in determining a new automobile insurance policy rate if the lapse was due to the cancellation or nonrenewal of the policy by the insurer, the cancellation of the policy by the insured, or by the insured's failure to pay the policy renewal premium, as a result of the insured's deployment, whether inside or outside the United States or its waters, as a member of the military, military reserve, or National Guard. An insurer may require the insured to provide reasonable documentation to verify the insured's deployment. As used in this section, the term “deployment” does not include a permanent change of station within the United States. (b) The spouse of an insured protected by subsection (a) of this section shall be similarly protected if that spouse accompanies an insured on the deployment. 76 Del. Laws, c. 263, §  1;  70 Del. Laws, c. 186, §  1;  83 Del. Laws, c. 221, § 5;