reglab/housing_qa huggingface dataset:
V.I. Code tit. 20, § 708 (2019)
2019 US Virgin Islands Code|Title 20 - Highways and Motor Vehicles|Part II - Motor Vehicles|Chapter 47 - Compulsory Automobile Liability Insurance|§ 708. Mandatory proof of insurance

 (a) In addition to the filing of a certificate of insurance pursuant to section 707 of this chapter, the owner of a motor vehicle who is required to provide proof of insurance for the registration or operation of such vehicle shall, upon lawful request, show proof that the vehicle is covered by the required insurance. Such proof of insurance shall be in the form of an insurance card issued by an authorized insurance agent. (b) A temporary insurance card may be presented for a period to exceed (30) days during which time the owner of the vehicle shall secure proof of insurance as required by subsection (a). Temporary insurance cards shall be issued only by the Director of the Bureau of Motor Vehicles, or an authorized motor vehicles dealer when a valid insurance policy or binder is in effect. (c) The form, content and manner of display of temporary cards shall be prescribed by the Director of the Bureau of Motor Vehicles by regulation. (d) All insurance cards issued pursuant to this section shall be the property of the issuer and shall be presented by the owner to the vehicle covered by the required insurance only during such time as the insurance which it represents remains in full force and effect. Every vehicle owner shall immediately remove from such vehicle any insurance card representing insurance which he knows, or has reason to know, has been terminated, canceled, impaired, or is otherwise ineffective. Such knowledge may be inferred from evidence of the notice required in Title 22, section 827, Virgin Islands Code. (e) The owner of any vehicle who has insurance in force and has been issued an insurance card required by subsection (a) of this section, but who fails to present the card upon a lawful request shall be fined not more than $50.00. (f) The owner of any vehicle who fails to remove an insurance card when he knows, or has reason to know that the insurance it represents is not in full force and effect shall be fined not less than $50.00, nor more than $500.00, and may be imprisoned not more than 90 days. (g) The owner of any motor vehicle who presents an insurance card which he knows, or has reason to know is fraudulent or counterfeit, or which he knows, or has reason to know, belongs to another vehicle, shall be fined not less than $250.00 nor more than $1,000.00, and may be imprisoned not more than 6 months. (h) Any person who manufactures, produces, distributes or transfers any false, fraudulent, counterfeit, or otherwise invalid insurance card which purports to be a card required by subsection (a) of this section shall be fined for each such card distributed not less than $500.00, nor more than $2,000.00, and may be imprisoned not more than 2 years.
V.I. Code tit. 20, § 709 (2019)
2019 US Virgin Islands Code|Title 20 - Highways and Motor Vehicles|Part II - Motor Vehicles|Chapter 47 - Compulsory Automobile Liability Insurance|§ 709. Commissioner of Insurance to administer chapter

 The Commissioner of Insurance, charged with the administration and enforcement of the provisions of this chapter, shall be authorized to: (a) Require filing with his office by insurance carriers admitted and duly authorized to do business in the Virgin Islands such rates, rating plans, rating schedules and every other rating rule or modification which the carriers are using or proposing to use for motor vehicle liability insurance under the provisions of this chapter. (b) Establish surcharges for high risk drivers in accordance with the moving violations point system, as well as provide guidelines for the application of discount points and incentives for insureds with good driving records. (c) Make such reasonable rules and regulations consistent with the provisions of this chapter, necessary to effect the purposes thereof. (d) Adopt rules requiring insurers to provide a ten percent discount in premium rates for motorcycle liability insurance to qualified, licensed motorcycle operator upon proof of successful completion of an approved Virgin Islands Motorcycle Safety Education Program.
V.I. Code tit. 20, § 710 (2019)
2019 US Virgin Islands Code|Title 20 - Highways and Motor Vehicles|Part II - Motor Vehicles|Chapter 47 - Compulsory Automobile Liability Insurance|§ 710. Post application of chapter

 This chapter shall not apply with respect to any accident, or judgment arising therefrom, or violation of the motor vehicle laws of the Virgin Islands, occurring prior to the effective date of this chapter; provided, however, that insurers are not precluded from imposing surcharges in accordance with previously filed or subsequently filed and approved rates.
V.I. Code tit. 20, § 711 (2019)
2019 US Virgin Islands Code|Title 20 - Highways and Motor Vehicles|Part II - Motor Vehicles|Chapter 47 - Compulsory Automobile Liability Insurance|§ 711. Chapter not to prevent other remedy

 Nothing in this chapter shall be construed as preventing the plaintiff in any action of law, from relying for relief upon any other remedy provided by law.
V.I. Code tit. 20, § 712 (2019)
2019 US Virgin Islands Code|Title 20 - Highways and Motor Vehicles|Part II - Motor Vehicles|Chapter 47 - Compulsory Automobile Liability Insurance|§ 712. Owners, registrants or operators of motor vehicles; violations; penalties

 Any owner or registrant of a motor vehicle registered in this territory who operates or causes to be operated, a motor vehicle upon any public road or highway in this territory without motor vehicle liability insurance coverage required by this chapter and any other who operates or causes a motor vehicle to be operated and who knows or should know from the attendant circumstances that the motor vehicle is without motor vehicle liability insurance coverage required by this chapter shall be subject, for the first offense, to a fine of not less than $250.00, nor more than $500.00. Upon subsequent conviction, he shall be fined not less than $500.00, nor more than $1,000.00, and shall forfeit his right to operate a motor vehicle upon the roads and highways of this territory for a period of not less than thirty (30) days, or more than two (2) years from the date of his conviction.
V.I. Code tit. 20, § 713 (2019)
2019 US Virgin Islands Code|Title 20 - Highways and Motor Vehicles|Part II - Motor Vehicles|Chapter 47 - Compulsory Automobile Liability Insurance|§ 713. Exemptions

 The provisions of this chapter shall not apply to motor vehicles owned by either the Government of the Virgin Islands and its instrumentalities, or the United States Government; however, such exemption shall not alter in any way any tort liability which may be established against either of the governments.
V.I. Code tit. 20, § 741 (2019)
2019 US Virgin Islands Code|Title 20 - Highways and Motor Vehicles|Part II - Motor Vehicles|Chapter 49 - Abandoned Motor Vehicles|§ 741. Definitions

 As used in this chapter the term “abandoned motor vehicle” means a motor vehicle that is inoperable or over 8 years old or lacks a valid registration sticker and is left unattended on public property for seven days or more, or a motor vehicle that has remained illegally on public property for seven days or more, or a motor vehicle that has remained on private property without the consent of the owner or person in control of such property for seven days or more.
V.I. Code tit. 20, § 742 (2019)
2019 US Virgin Islands Code|Title 20 - Highways and Motor Vehicles|Part II - Motor Vehicles|Chapter 49 - Abandoned Motor Vehicles|§ 742. Authority to take possession of abandoned motor vehicles

 (a) The U.S. Virgin Islands Police Department (V.I.P.D.) may take into custody and deliver to the custody and control of the Department of Property and Procurement any motor vehicle found abandoned on public or private property. In such connection, the U.S. Virgin Islands Police Department (V.I.P.D.) may employ governmental personnel, equipment and facilities or hire persons, equipment and facilities for the purpose of removing, preserving and storing abandoned motor vehicles. (b) Any vehicle not registered and left on the public roadways or public property for seven days or more shall be ticketed, towed and stored. The Virgin Islands Police Department shall treat any vehicle not displaying a valid registration sticker or tag which is left on the public roadways or public property for seven days or more as an abandoned vehicle and shall ticket, tow, preserve, and store the unregistered vehicle and hold the registered owner responsible for all towing, preservation, storage charges and fines, as provided in section 743.
V.I. Code tit. 20, § 743 (2019)
2019 US Virgin Islands Code|Title 20 - Highways and Motor Vehicles|Part II - Motor Vehicles|Chapter 49 - Abandoned Motor Vehicles|§ 743. Notification of owner and lien holders

 (a) The U.S. Virgin Islands Police Department (V.I.P.D.) upon taking into custody an abandoned motor vehicle shall with 10 days notify, by certified mail, return receipt requested, the last known registered owner of the motor vehicle and all lien holders of record, that the abandoned vehicle has been taken into custody. The notice shall describe the year, make, model and serial number of the abandoned vehicle (unless the same cannot be ascertained) and the fine; shall set forth the location of the facility where the vehicle is being held; shall inform the last registered owner and any lien holders of record of their right to reclaim the motor vehicle within 15 days after the date upon which said notice was mailed, upon payment of all towing preservation and storage charges and fines resulting from placing the vehicle in custody; shall state that the last registered owner is legally responsible, whether or not the vehicle is reclaimed, to pay to the Government of the Virgin Islands reasonable charges for the towing preservation, storage and/or disposal of the abandoned vehicle; and shall state that the failure of the last registered owner or lien holders of record to exercise their right to reclaim the vehicle within the time herein provided shall be deemed a waiver by the owner and all lien holders of all right, title and interest in the vehicle which they or any of them have or may have and shall further constitute a bar to any claim for reimbursement instituted against the Government of the Virgin Islands or any department, agency or subdivision thereof. Until reasonable charges, as determined by the Police Commissioner, for the towing, preservation, storage and/or disposal of the abandoned vehicle and the fine have been paid, the U.S. Virgin Islands Police Department (V.I.P.D.) shall not, pursuant to Title 20, chapter 33, Virgin Islands Code, register or license any other motor vehicle to the last registered owner of the abandoned vehicle. The U.S. Virgin Island Police department (V.I.P.D.) shall keep a register of the names of the last registered owners of abandoned vehicles in order to enforce this subsection. (b) If the identity or address of the last registered owner or lien holders of record of such an abandoned motor vehicle cannot be determined as set forth in subsection (a) hereof it shall be deemed to have been effected upon a publication of such notice (containing such information as is available) in one newspaper of general circulation in the Virgin Islands, and the consequences and effect of a failure to reclaim an abandoned motor vehicle shall be set forth in subsection (a) hereof. Such notice may contain multiple listings of abandoned motor vehicles.
V.I. Code tit. 20, § 744 (2019)
2019 US Virgin Islands Code|Title 20 - Highways and Motor Vehicles|Part II - Motor Vehicles|Chapter 49 - Abandoned Motor Vehicles|§ 744. Disposal of abandoned motor vehicles

 If an abandoned motor vehicle has not been reclaimed within the time and in the manner prescribed in section 743 of this chapter, the Department of Property and Procurement shall, by escheat, take title to the motor vehicle, free and clear of all liens, encumbrances and claims of title or encumbrance.
V.I. Code tit. 20, § 745 (2019)
2019 US Virgin Islands Code|Title 20 - Highways and Motor Vehicles|Part II - Motor Vehicles|Chapter 49 - Abandoned Motor Vehicles|§ 745. Petitions for disposal of motor vehicles abandoned on private property

 (a) Any person, firm, corporation, department of the Government or other legal entity, upon whose property or in whose possession is found an abandoned motor vehicle, may apply to the U.S. Virgin Islands Police Department (V.I.P.D.) for permission to have custody of such abandoned motor vehicle taken by said Department. (b) The petition shall set forth the name and address of the applicant; the year, make, model and serial number of the vehicle, unless the same cannot be ascertained, together with any other identifying information; and shall contain a concise statement of facts surrounding the abandonment, together with an affidavit executed by the petitioner stating that the facts therein contained are true and that no material fact has been withheld. (c) If the U.S. Virgin Islands Police Department (V.I.P.D.) finds that the petition is executed in proper form and establishes that the motor vehicle has been abandoned on petitioner's property, the U.S. Virgin Islands Police Department (V.I.P.D.) shall take and deliver to the Department of Property and Procurement custody of such abandoned motor vehicle and shall give notice in accordance with the provisions of section 743 hereof. (d) If any such abandoned motor vehicle is not reclaimed in the manner and within the time hereinbefore prescribed, the Department of Property and Procurement shall acquire title thereto as provided in section 744 of this chapter.
V.I. Code tit. 20, § 746 (2019)
2019 US Virgin Islands Code|Title 20 - Highways and Motor Vehicles|Part II - Motor Vehicles|Chapter 49 - Abandoned Motor Vehicles|§ 746. Duties of Department of Property and Procurement relating to abandoned motor vehicles

 (a) The Department of Property and Procurement shall provide such storage space as shall be required to adequately store abandoned vehicles coming into its possession pursuant to this chapter and shall be empowered to store, use, sell or otherwise dispose of such abandoned vehicles in any manner and at any time deemed by the Department to be in the best interests of the Government of the Virgin Islands. (b) The Department of Property and Procurement shall keep an accurate and complete record of all such abandoned vehicles received by it, which record shall contain, where possible, the make, model, year, serial number and engine number of such vehicles. Such record shall be maintained for not less than one (1) year. (c) All charges collected for the towing, preservation, storage, sale and/or disposal of abandoned vehicles, as provided under this chapter, shall be deposited into the Antilitter and Beautification Fund established under title 33, section 3079 of this code, and shall be used for carrying out the purposes of this chapter. (d) The Commissioner of Property and Procurement shall establish and promulgate such rules and regulations as may be reasonably necessary to effectuate the end sought to be attained by this chapter.
V.I. Code tit. 20, § 747 (2019)
2019 US Virgin Islands Code|Title 20 - Highways and Motor Vehicles|Part II - Motor Vehicles|Chapter 49 - Abandoned Motor Vehicles|§ 747. Penalties

 (a) Whoever abandons a motor vehicle under the provisions of this chapter shall be fined not less than $1,000 nor more than $2,500 for each abandoned vehicle and may also be prohibited from registering or licensing a vehicle or renewing his driver's license. (b) The penalty established in subsection (a) is separate from any other penalty under the law.
V.I. Code tit. 22, § 502 (2019)
2019 US Virgin Islands Code|Title 22 - Insurance|Chapter 21 - Assets and Liabilities|Subchapter I - General Provisions|§ 502. Nonallowable assets

 In addition to assets impliedly excluded under section 501 of this title the following expressly shall not be allowed as assets in any determination of the financial condition of an insurer: (1) goodwill, trade names, agency plants and other like intangible assets; (2) prepaid or deferred charges for expenses and commissions paid by the insurer; (3) advances to officers (other than policy loans or loans made pursuant to section 312 of this title whether secured or not, and advances to employees, agents and other persons on personal security only); (4) stock of such insurer, owned by it, or any equity therein or loans secured thereby, or any proportionate interest in such stock through the ownership by such insurer of an interest in another firm, corporation or business unit; (5) furniture, furnishings, fixtures, safes, equipment, vehicles, library, stationery, literature, and supplies except, such personal property as the insurer is permitted to hold pursuant to paragraph (5) of subsection (b) of section 566 of this title or which is acquired through foreclosure or chattel mortgages acquired pursuant to section 565 of this title or which is reasonably necessary for the maintenance and operation of real estate lawfully acquired and held by the insurer other than real estate used by it for home office, branch office, and similar purposes; (6) the amount, if any, by which the aggregate book value of investments as carried in the ledger assets of the insurer exceeds the aggregate value thereof as determined under this title.
V.I. Code tit. 22, § 503 (2019)
2019 US Virgin Islands Code|Title 22 - Insurance|Chapter 21 - Assets and Liabilities|Subchapter I - General Provisions|§ 503. Liabilities

 In any determination of the financial condition of an insurer, liabilities to be charged against its assets shall include— (1) the amount of its capital stock outstanding, if any; (2) the amount, estimated consistent with the provisions of this chapter, necessary to pay all of its unpaid losses and claims incurred on or prior to the date of statement, whether reported or unreported, together with the expense of adjustment or settlement thereof; and (3) with reference to life and disability insurance, and annuity contracts: (A) the amount of reserves on life insurance policies and annuity contracts in force, valued according to the tables of mortality, rates of interest, and methods adopted pursuant to this chapter which are applicable thereto; (B) reserves for disability benefits, for both active and disabled lives; (C) reserves for accidental death benefits; and (D) any additional reserves which may be required by the Commissioner, consistent with practice formulated or approved by the National Association of Insurance Commissioners, on account of such insurances; (4) with reference to insurances other than those specified in paragraph (3) of this section, and other than title insurance, the amount of reserves equal to the unearned portions of the gross premiums charged on policies in force, computed in accordance with this chapter; (5) taxes, expenses, and other obligations accrued at the date of the statement; and (6) any additional reserve set up by the insurer for a specific liability purpose or required by the Commissioner consistent with practices adopted or approved by the National Association of Insurance Commissioners.
V.I. Code tit. 22, § 504 (2019)
2019 US Virgin Islands Code|Title 22 - Insurance|Chapter 21 - Assets and Liabilities|Subchapter I - General Provisions|§ 504. Unearned premium reserve, property, casualty, disability and surety insurance

 (a) With reference to insurances against loss or damage to property, except as provided in section 505 of this title and with reference to all general casualty insurances, disability insurance except as provided in section 506 of this title and surety insurance, every insurer shall maintain an unearned premium reserve on all policies in force. (b) The Commissioner may require that such reserve shall be equal to the unearned portions of the gross premiums in force after deducting authorized reinsurance, as computed on each respective risk from the policy's date of issue. If the Commissioner does not so require, the portions of the gross premiums in force, less authorized reinsurance, to be held as a premium reserve, shall be computed according to the following table:Term for which policy was writtenReserve for unearned premiumOne year, or less ½Two yearsFirst year¾ Second year¼Three yearsFirst year⅚ Second year½ Third year⅙Four yearsFirst year⅞ Second year⅝ Third year⅜ Fourth year⅛Five yearsFirst year9⁄10 Second year7⁄10 Third year½ Fourth year3⁄10 Fifth year1⁄10Over five yearsPro rata  (c) In lieu of computation according to such table, all of such reserves may be computed, at the insurer's option, on a monthly pro rata basis. (d) After adopting any one of the methods for computing such reserve an insurer shall not change methods without the Commission's approval.
V.I. Code tit. 22, § 505 (2019)
2019 US Virgin Islands Code|Title 22 - Insurance|Chapter 21 - Assets and Liabilities|Subchapter I - General Provisions|§ 505. Unearned premium reserve, marine and transportation insurance

 With reference to marine and transportation insurance, premiums on trip risks not terminated shall be deemed unearned and the Commissioner may require the insurer to carry a reserve thereon equal to 100 percent on trip risks written during the month ended as of the date of statement and computed upon a pro rata basis or, with the Commissioner's consent, in accordance with the alternative methods provided in section 504 of this title for all other risks.
V.I. Code tit. 22, § 506 (2019)
2019 US Virgin Islands Code|Title 22 - Insurance|Chapter 21 - Assets and Liabilities|Subchapter I - General Provisions|§ 506. Noncancellable disability insurance reserve

 (a) The legal minimum standard for computing the active life reserve, including the unearned premium reserve of noncancellable disability policies shall be based on Conference Modification of Class III Disability Experience with interest at not to exceed 3 ½ percent per annum on the full preliminary term basis. (b) For policies with a waiting period of less than three months or providing benefits at ages beyond the limits of Conference Modification of Class III Disability Experience, the table shall be extended to cover the provisions of such policies on such basis as the Commissioner may approve. (c) The reserve for losses under noncancellable disability policies shall be based on Conference Modification of Class III Disability Experience, except that for claims of less than 27 months duration the reserve may be taken as equivalent to the prospective claim payments for three and one-half times the elapsed period of disability; but in no case shall the reserve be less than the equivalent of seven weeks claim payments. (d) The Commissioner shall modify the application of the tables and requirements prescribed in this section to policies or to claims arising under policies in accordance with the waiting period contained in such policies and in accordance with any limitation as to the time for which indemnity is payable.
V.I. Code tit. 22, § 507 (2019)
2019 US Virgin Islands Code|Title 22 - Insurance|Chapter 21 - Assets and Liabilities|Subchapter I - General Provisions|§ 507. Loss records

 An insurer shall maintain a complete and itemized record showing all losses and claims as to which it has received notice, including with regard to property, casualty, surety, and marine and transportation insurances, all notices received of the occurrence of any event which may result in a loss.