reglab/housing_qa huggingface dataset:
MA Gen L ch 175 § 22a (2021)
2021 Massachusetts General Laws|Part I - Administration of the Government|Title XXII - Corporations|Chapter 175 - Insurance|Section 22a - Combination of Hazards; Approval

Section 22A. No company shall issue any policy of insurance which provides coverage against loss or damage caused by hazards specified in more than one of the clauses of section forty-seven, or which provides coverage against loss or damage to, or loss of use of, motor vehicles resulting from collision, fire, lightning, any larceny, pilferage, theft, malicious mischief, vandalism or any other perils usually insured against, or which insures any person against legal liability for loss or damage on account of the bodily injury or death of any other person or on account of any damages to property of another, arising out of the ownership, maintenance, control or use of motor vehicles, until a copy of the form of the policy has been on file for thirty days with the commissioner, unless before the expiration of said thirty days he shall have approved the form of the policy in writing; nor if the commissioner notifies the company in writing within said thirty days that the form of the policy does not comply with the laws of the commonwealth, specifying his reasons therefor, provided that the opinion of the commissioner shall be subject to review by the supreme judicial court; but nothing in the foregoing provisions of this section shall permit the incorporation in any policy issued under section one hundred and eleven A or one hundred and seventeen A, or any policy subject to section one hundred and eight or one hundred and thirteen A or one hundred and thirty-two, of any coverage not otherwise permitted by this chapter to be incorporated therein. The provisions of this paragraph shall not apply to policies authorized by section fifty-four D. Nothing in this section shall prohibit combining the following coverages, by rider or otherwise, within a single policy or contract: (a) life or endowment insurance or annuity, survivorship annuity or pure endowment insurance subject to section 132 and (b) any form of accident and sickness insurance subject to section 108.
MA Gen L ch 175 § 22b (2021)
2021 Massachusetts General Laws|Part I - Administration of the Government|Title XXII - Corporations|Chapter 175 - Insurance|Section 22b - Waivers of Provisions of This Chapter; Prohibition; Penalty

Section 22B. No company and no officer, agent or employee thereof, and no insurance broker, shall make, issue or deliver any policy of insurance or any annuity or pure endowment contract, or make or procure the making of, solicit or accept any oral or written agreement, containing a waiver or a provision for a waiver by an applicant for, or the insured under or holder of, any such policy or contract, of any provision of this chapter, except as expressly authorized thereby. Any such agreement, waiver or provision shall be void. Whoever violates this section shall forfeit not less than one hundred nor more than five hundred dollars.
MA Gen L ch 175 § 22d (2021)
2021 Massachusetts General Laws|Part I - Administration of the Government|Title XXII - Corporations|Chapter 175 - Insurance|Section 22d - Statement of Reasons for Cancellation; Liability

Section 22D. There shall be no liability on the part of and no cause of action of any nature shall arise against the commissioner of insurance, employees of the division of insurance, the board of appeal established by section eight A of chapter twenty-six, any of its employees or against any insurer, its authorized representative, its agents, its employees, or any firm, person or corporation furnishing to the insurer information as to reasons for cancellation, for any statement made by any of them in any written notice of cancellation, or in any other communication, oral or written specifying the reasons for cancellation, or the providing of information pertaining thereto, or for statements made or evidence submitted at any hearings conducted in connection therewith.
MA Gen L ch 175 § 22e (2021)
2021 Massachusetts General Laws|Part I - Administration of the Government|Title XXII - Corporations|Chapter 175 - Insurance|Section 22e - Refusal to Issue, Renew or Execute Motor Vehicle Liability Policy or Bond

Section 22E. No insurance company, and no officer or agent thereof in its behalf, shall refuse to issue, renew or execute as surety a motor vehicle liability policy or bond, or any other insurance based on the ownership or operation of a motor vehicle because of age, sex, race, occupation, marital status, or principal place of garaging of the vehicle. A particular company may make a general reduction in volume of automobile insurance in the commonwealth if such a reduction is determined by the commissioner not to be an attempt to circumvent the purposes of this section and that the company's refusal to write motor vehicle liability policies or bonds is not contrary to the public interest by disrupting the market for said insurance in the commonwealth. Any company which does not intend to issue a renewal policy shall give written notice of its intent not to issue a policy for the ensuing policy period in accordance with the provisions of section one hundred and thirteen F and such notice shall specify the reasons for such nonrenewal.
MA Gen L ch 175 § 22h (2021)
2021 Massachusetts General Laws|Part I - Administration of the Government|Title XXII - Corporations|Chapter 175 - Insurance|Section 22h - Refusal to Issue or Renew Motor Vehicle Liability Policies or Bonds; Suspension of License; Public Hearings; Definitions

Section 22H. If any company refuses to issue motor vehicle liability policies or bonds as set forth in sections thirty-four A and thirty-four O of chapter ninety without a written determination by the commissioner that such refusal, which may be a refusal in whole or in part, is justifiably required to protect the solvency of the refusing company, the commissioner shall hold a public hearing at which the company may appeal the commissioner's initial determination concerning solvency and at which shall be considered whether the company's refusal to write motor vehicle liability policies or bonds is contrary to the public interest by disrupting the market for said insurance in the commonwealth. If the commissioner finds, on the basis of said public hearing, that the company's refusal is not justified by the protection of solvency and is contrary to the public interest, he shall suspend such company's licenses to issue or sell any other form of insurance within the commonwealth until such company resumes the issuance or renewal of motor vehicle liability policies or bonds in compliance with the laws and rules and regulations prescribed by the commissioner. For purposes of this section, a refusal to issue motor vehicle liability policies or bonds shall be sufficiently evidenced by a single notice of cancellation or non-renewal for grounds other than those specifically permitted in the general laws. For purposes of this section, the commissioner may at his discretion treat all insurers who by virtue of their business associations or common ownerships represent themselves to be or are customarily known as an ''insurance company group'', or similar insurance trade designation, as a single insurer. The provisions of this section shall not invalidate any insurance policy issued or renewed by an insurance company suspended pursuant to the authorization contained in this section prior to such suspension.
MA Gen L ch 175 § 22i (2021)
2021 Massachusetts General Laws|Part I - Administration of the Government|Title XXII - Corporations|Chapter 175 - Insurance|Section 22i - Amounts Received in Settlement of Claims Retained for Unpaid Premiums

Section 22I. Any insurance company, broker or agent may retain an amount equal to any unpaid premium due on the policy under which a claim is being presented, when settling any such claim for an insured; provided, however, that the unpaid premium remains unpaid sixty days after the effective day of such policy or the date of the original billing thereof, whichever later occurs; provided further, that such unpaid premium shall be retained as against any loss payee or mortgagee named in said policy up to the amount of the unpaid balance owed to such loss payee or mortgagee on the date the loss occurred which gave rise to said claim until the premium payment is made to said insurance company, broker, or agent by the insured, loss payee or mortgagee; and provided, further, that this section shall not be applicable to a health insurance policy.
MA Gen L ch 175 § 23 (2021)
2021 Massachusetts General Laws|Part I - Administration of the Government|Title XXII - Corporations|Chapter 175 - Insurance|Section 23 - Life Company; Impairment of Funds; Issuance of Policies; Penalty

Section 23. No life company whose actual funds, exclusive of its capital, are not of a net cash value equal to its liabilities, including the net value of its policies, computed by the rules of valuation established by sections nine and eleven, shall issue new policies of life or endowment insurance or annuity or pure endowment contracts until its funds have become equal to its liabilities, and it has obtained from the commissioner a certificate to that effect with authority to resume business. A company or any officer or agent thereof who issues any such policy or contract in violation of this section shall forfeit not more than one thousand dollars.
MA Gen L ch 175 § 23a (2021)
2021 Massachusetts General Laws|Part I - Administration of the Government|Title XXII - Corporations|Chapter 175 - Insurance|Section 23a - Certain Occurrences Affecting Insurance Companies; Notice to Commissioner

Section 23A. Every stock company, every foreign company described in section one hundred and fifty-five and every mutual company having a guaranty capital or guaranty fund, other than a life company, shall forthwith notify the commissioner in writing in such form and detail as he may require of any impairment of its capital stock or deposit or guaranty capital or guaranty fund, respectively, on the basis fixed by sections ten to twelve, inclusive. Every company whose license or authority to transact business in any other state or country is suspended or revoked or otherwise terminated, every foreign company against which receivership or liquidation proceedings are instituted in the state or country under whose laws it is organized, every foreign mutual company, other than life, whose net cash assets or contingent assets become less than the amount required of said company by section one hundred and fifty-one, every domestic mutual company whose amount of insurance or premiums in force or number of risks on its books become less than the amount or number required of said company by section seventy-four, ninety A, ninety-two, ninety-three, ninety-three A or ninety-three B, every mutual company which levies an assessment on its members, and every life company whose actual funds, exclusive of its capital, if any, are not of a net cash value equal to its liabilities, including the net value of its policies, computed by the rules of valuation established by sections nine to twelve, inclusive, shall forthwith notify the commissioner in writing as aforesaid to that effect. Every foreign company shall forthwith notify the commissioner in writing as aforesaid of any change of its corporate name, of the location of its home or principal office or of the amount of its paid-up capital stock or guaranty or deposit capital, and of any amendments to its charter or articles of incorporation relative to the classes of business it may transact and, in case of a foreign company described in section one hundred and fifty-five, of any change of its resident manager in the United States, or of the trustees, if any, appointed under section one hundred and fifty-six, or of the location of his or their principal office. Every foreign company shall, within thirty days after the filing of any such notice, or within such further time as the commissioner may allow, file with him duly certified documents executed and authenticated in a manner satisfactory to the commissioner setting forth any such change or amendment, other than a change of the location of its office or that of its resident manager or trustees.
MA Gen L ch 175 § 24 (2021)
2021 Massachusetts General Laws|Part I - Administration of the Government|Title XXII - Corporations|Chapter 175 - Insurance|Section 24 - Life Insurance Policies; Accidental Death, Disability Benefits; Approval

Section 24. Any life company, whether or not it is authorized to transact accident and health insurance under clause sixth of section forty-seven, may provide in its policies of life, group life or endowment insurance, issued in compliance with this chapter, for the payment of an accidental death benefit consisting of a larger amount if death is caused by accident than if it results from other causes, and may incorporate therein or in its annuity or pure endowment contracts, issued in like compliance, provisions for the waiver of premiums or for the granting of special benefits in the event that the insured, or either of them, or the holder, as the case may be, becomes totally and permanently disabled from any cause. Such provisions shall state the special benefits to be granted thereunder, the cost thereof to the insured or to the holder and shall define what shall constitute total and permanent disability. The consideration for any benefits granted under this section shall be stated separately in the policy or contract. For the purposes of this section, the word ''holder'' shall include any person other than the insured who is the owner of a policy insuring the life of a minor. Any such company may, in conjunction with and supplementary to any policy of life, group life or endowment insurance or annuity or pure endowment contract, issue a separate policy providing solely for any or all of the benefits permitted by this section. No such separate policy shall be issued or delivered in the commonwealth until a copy of the form thereof has been on file for thirty days with the commissioner, unless before the expiration of said thirty days he shall have approved the form of the policy in writing; nor if the commissioner notifies the company in writing, within said thirty days, that in his opinion the form of the policy does not comply with the laws of the commonwealth, specifying his reasons therefor; provided that such action of the commissioner shall be subject to review by the supreme judicial court. The provisions of section one hundred and eight shall not apply to any policy of life, group life or endowment insurance or annuity or pure endowment contract or separate policy or contract providing for any or all of the benefits permitted by this section.
MA Gen L ch 175 § 24a (2021)
2021 Massachusetts General Laws|Part I - Administration of the Government|Title XXII - Corporations|Chapter 175 - Insurance|Section 24a - Refusal to Issue Policy or Limits on Coverages Based on Sex of Insured; Prohibition

Section 24A. No company authorized to issue policies of accident or sickness insurance, policies providing coverage against disability from injury or disease, or policies of life or endowment insurance shall refuse to issue such a policy or limit the coverages normally contained therein with respect to the risk of such loss solely because of the sex of the insured.
MA Gen L ch 175 § 24b (2021)
2021 Massachusetts General Laws|Part I - Administration of the Government|Title XXII - Corporations|Chapter 175 - Insurance|Section 24b - Modification in Covered Services or Payments; Prior Notice of Modification; Contents of Notices

Section 24B. The commissioner shall require that a policy, contract, agreement, plan or certificate of insurance for coverage of health care services, including any self-insured sickness, health or welfare plan issued within or without the commonwealth and including, but not limited to, those of a non-profit hospital service corporation organized pursuant to chapter one hundred and seventy-six A, a nonprofit medical service corporation organized pursuant to chapter one hundred and seventy-six B, an insurance company licensed pursuant to this chapter, a health maintenance organization organized pursuant to chapter one hundred and seventy-six G and any preferred provider organization organized pursuant to chapter one hundred and seventy-six I, shall provide, the following: (i) to the policyholder, subscriber or, in the case of a group policy, the group representative, prior notice of modifications in covered services under the policy and an annual notice listing all preferred or selective providers of health care services, if applicable; (ii) prior notice to providers of health care services which or who have been regularly paid for services to policyholders or subscribers of such companies of modifications in payments to such providers or modifications in covered services that will be in effect and the effective date of such modifications. Such notices shall include any changes in clinical review criteria, as such term is defined in section 1 of chapter 176O, and a statement of the effect of such changes on the personal liability of the policyholder or subscriber for the cost of any such changes. All notices required by this section shall be provided 60 days before the effective date of such modification. The commissioner shall promulgate regulations to enforce the provisions of this section.
MA Gen L ch 175 § 25a (2021)
2021 Massachusetts General Laws|Part I - Administration of the Government|Title XXII - Corporations|Chapter 175 - Insurance|Section 25a - Workers' Compensation Providers; Annual Reports; Contents

Section 25A. The commissioner of insurance shall provide by regulation for an annual report to be filed by each insurer writing workers' compensation insurance in the commonwealth. Such regulations shall require the reporting of litigation expenses incurred by insurers, including the payments made for claimants' attorneys' fees, defense counsel fees, medical testimony, and any other information deemed relevant by the commissioner. Insurers shall also be required to specify the number of claims and portion of their indemnity benefits paid out periodically, and the number of claims and portion of indemnity benefits paid out as lump sum settlements. The commissioner shall also order the rating bureau created under the provisions of section eight E of chapter twenty-six to perform closed claim studies regarding losses and expenses related to vocational rehabilitation, physical therapy, chiropractic services, safety programs or such other matters as he deems appropriate.
MA Gen L ch 175 § 26 (2021)
2021 Massachusetts General Laws|Part I - Administration of the Government|Title XXII - Corporations|Chapter 175 - Insurance|Section 26 - Failure to Make and File Annual Statements; Penalty

Section 26. A company neglecting to make and file its annual statement or the materials required by the commissioner to be filed with the National Association of Insurance Commissioners under the provisions of section twenty-five in the form and within the time provided by the preceding section shall forfeit one hundred dollars for each day during which such neglect continues, and, upon notice by the commissioner to that effect, its authority to do new business shall cease while such default continues without any proceedings under section five or six.
MA Gen L ch 175 § 27 (2021)
2021 Massachusetts General Laws|Part I - Administration of the Government|Title XXII - Corporations|Chapter 175 - Insurance|Section 27 - Annual Statements; Inclusion of Schedule of Claims Made Subject of Suits

Section 27. Every company shall include in its annual statement under section twenty-five a schedule of all claims under policies issued by it to persons in the commonwealth which, during the year covered by the statement, have been made the subject of suits and also of those which at the time of making the statement are in suit. Such schedule shall be in such detail as the commissioner shall prescribe.
MA Gen L ch 175 § 28 (2021)
2021 Massachusetts General Laws|Part I - Administration of the Government|Title XXII - Corporations|Chapter 175 - Insurance|Section 28 - Undue Delay or Litigation of Claims; Commissioner's Report to General Court

Section 28. If, upon inspection of a schedule specified in the preceding section or upon any examination or investigation under section four, the commissioner is satisfied that a company is making a practice of unduly engaging in litigation or of unreasonably and unfairly delaying the adjustment or payment of legally valid claims, he may, after a hearing to the company, make a special report of his findings thereon to the general court. Nothing in this section shall affect the provisions of sections five or six or the right of the commissioner to proceed thereunder.
MA Gen L ch 175 § 29 (2021)
2021 Massachusetts General Laws|Part I - Administration of the Government|Title XXII - Corporations|Chapter 175 - Insurance|Section 29 - Companies Subject to This Chapter

Section 29. All companies now or hereafter incorporated or formed by authority of any general or special law of the commonwealth shall, except as provided in section one hundred and fourteen and in chapter one hundred and seventy-six, be subject to this chapter. Trade unions and other associations of wage workers whose principal objects are to deal with the relations between employers and employees relative to wages, hours of labor and other conditions of employment, and trusts complying with the requirements of subsections (a) and (b) of section 186c–5 of Title 29, U.S.Code and athletic and other school organizations formed for administering a plan for the payment of benefits to school pupils injured while participating in school athletics, commonly known as the school athletic accident-benefit plan, shall not be subject to this chapter, except as hereinafter provided, or to chapter one hundred and seventy-six. The president and the treasurer of such an athletic or other school organization shall, within thirty days after a written request therefor by the commissioner, file with him a financial statement, in such form and detail and of such date as he may prescribe, signed and sworn to by them.