reglab/housing_qa huggingface dataset:
MT Code § 33-15-315 (2021)
2021 Montana Code Annotated|Title 33. Insurance and Insurance Companies|Chapter 15. The Insurance Contract|Part 3. Policy Provisions|33-15-315. Validity of noncomplying forms

  33-15-315. Validity of noncomplying forms. Any insurance policy, rider, or endorsement hereafter issued and otherwise valid which contains any condition or provision not in compliance with the requirements of this code shall not be thereby rendered invalid but shall be construed and applied in accordance with such conditions and provisions as would have applied had such policy, rider, or endorsement been in full compliance with this code.   History: En. Sec. 281, Ch. 286, L. 1959; R.C.M. 1947, 40-3724.
MT Code § 33-15-316 (2021)
2021 Montana Code Annotated|Title 33. Insurance and Insurance Companies|Chapter 15. The Insurance Contract|Part 3. Policy Provisions|33-15-316. Construction of policies

  33-15-316. Construction of policies. Every insurance contract shall be construed according to the entirety of its terms and conditions as set forth in the policy and as amplified, extended, or modified by any rider, endorsement, or application which is a part of the policy.   History: En. Sec. 282, Ch. 286, L. 1959; R.C.M. 1947, 40-3725.
MT Code § 33-15-317 (2021)
2021 Montana Code Annotated|Title 33. Insurance and Insurance Companies|Chapter 15. The Insurance Contract|Part 3. Policy Provisions|33-15-317. Insurance coverage of punitive damages

  33-15-317. Insurance coverage of punitive damages. (1) Insurance coverage does not extend to punitive or exemplary damages unless expressly included by the contract of insurance.   (2) Prior to renewal of any policy in effect on October 1, 1987, the insurer shall provide the insured with notice of nonrenewal of coverage of punitive or exemplary damages in the same manner as required by the commissioner of insurance for the renewal of policies with altered terms.   History: En. Sec. 3, Ch. 627, L. 1987.
MT Code § 33-15-318 (2021)
2021 Montana Code Annotated|Title 33. Insurance and Insurance Companies|Chapter 15. The Insurance Contract|Part 3. Policy Provisions|33-15-318. Safety program requirement in workers' compensation policies

  33-15-318. Safety program requirement in workers' compensation policies. A policy, contract, or agreement to insure an employer against a workers' compensation or occupational disease risk must require each insured employer to implement a safety program, as provided in 39-71-1507, as part of the policy, contract, or agreement to provide workers' compensation or occupational disease insurance coverage.   History: En. Sec. 11, Ch. 295, L. 1993.
MT Code § 33-15-319 (2021)
2021 Montana Code Annotated|Title 33. Insurance and Insurance Companies|Chapter 15. The Insurance Contract|Part 3. Policy Provisions|33-15-319. and 33-15-320 reserved

  33-15-319 and 33-15-320 reserved.
MT Code § 33-15-321 (2021)
2021 Montana Code Annotated|Title 33. Insurance and Insurance Companies|Chapter 15. The Insurance Contract|Part 3. Policy Provisions|33-15-321. Life and disability insurance policy language simplification

  33-15-321. Life and disability insurance policy language simplification. Sections 33-15-321 through 33-15-329 may be cited as the "Life and Disability Insurance Policy Language Simplification Act".   History: En. Sec. 1, Ch. 302, L. 1981.
MT Code § 33-15-322 (2021)
2021 Montana Code Annotated|Title 33. Insurance and Insurance Companies|Chapter 15. The Insurance Contract|Part 3. Policy Provisions|33-15-322. Purpose

  33-15-322. Purpose. (1) The purpose of 33-15-321 through 33-15-329 is to establish minimum standards for language used in policies, contracts, and certificates of life, disability, credit life, and credit disability insurance delivered or issued for delivery in this state to facilitate ease of reading by insureds.   (2) Sections 33-15-321 through 33-15-329 are not intended to increase the risk assumed by insurance companies or other entities subject to 33-15-321 through 33-15-329 or to supersede their obligation to comply with the substance of other insurance legislation applicable to life, disability, credit life, or credit disability insurance policies. Sections 33-15-321 through 33-15-329 are not intended to impede flexibility and innovation in the development of policy forms or content or to lead to the standardization of policy forms or content.   History: En. Sec. 2, Ch. 302, L. 1981.
MT Code § 33-15-323 (2021)
2021 Montana Code Annotated|Title 33. Insurance and Insurance Companies|Chapter 15. The Insurance Contract|Part 3. Policy Provisions|33-15-323. Definitions

  33-15-323. Definitions. As used in 33-15-321 through 33-15-329, the following definitions apply:   (1) "Company" or "insurer" means any life or disability insurance company, fraternal benefit society, nonprofit health service corporation, nonprofit hospital service corporation, nonprofit medical service corporation, prepaid health plan, dental care plan, vision care plan, pharmaceutical plan, health maintenance organization, and all similar types of organizations.   (2) "Policy" or "policy form" means any:   (a) policy, contract, plan, or agreement of life or disability insurance, including credit life and credit disability insurance, delivered or issued for delivery in this state by any company subject to 33-15-321 through 33-15-329;   (b) certificate, contract, or policy issued by a fraternal benefit society; and   (c) certificate issued pursuant to a group insurance policy delivered or issued for delivery in this state.   History: En. Sec. 3, Ch. 302, L. 1981.
MT Code § 33-15-324 (2021)
2021 Montana Code Annotated|Title 33. Insurance and Insurance Companies|Chapter 15. The Insurance Contract|Part 3. Policy Provisions|33-15-324. Application -- exceptions

  33-15-324. Application -- exceptions. (1) Sections 33-15-321 through 33-15-329 apply to all policies delivered or issued for delivery in this state by any company on or after the date such forms must be approved under 33-15-321 through 33-15-329, but nothing in 33-15-321 through 33-15-329 applies to:   (a) a policy which is a security subject to federal jurisdiction;   (b) a group policy covering a group of 1,000 or more lives at date of issue, other than a group credit life insurance policy or a group credit disability insurance policy, but a certificate issued pursuant to a group policy delivered or issued for delivery in this state is not exempt;   (c) a group annuity contract which serves as a funding vehicle for pension, profit-sharing, or deferred compensation plans;   (d) a form used in connection with, as a conversion from, as an addition to, or in exchange pursuant to a contractual provision for a policy delivered or issued for delivery on a form approved or permitted to be issued prior to the dates such forms must be approved under 33-15-321 through 33-15-329; or   (e) the renewal of a policy delivered or issued for delivery prior to the dates such forms must be approved under 33-15-321 through 33-15-329.   (2) Sections 33-15-321 through 33-15-329 provide the exclusive manner for determining language simplification standards for any policy forms.   (3) A non-English language policy delivered or issued for delivery in this state is in compliance with 33-15-325(1)(a) if the insurer certifies that the policy is translated from an English language policy which complies with 33-15-325(1)(a).   History: En. Sec. 4, Ch. 302, L. 1981.
MT Code § 33-15-326 (2021)
2021 Montana Code Annotated|Title 33. Insurance and Insurance Companies|Chapter 15. The Insurance Contract|Part 3. Policy Provisions|33-15-326. Construction -- time period

  33-15-326. Construction -- time period. Nothing in 33-15-321 through 33-15-329 may be construed to negate any law of this state permitting the issuance of any policy form after it has been on file for the time period specified.   History: En. Sec. 6, Ch. 302, L. 1981.
MT Code § 33-15-327 (2021)
2021 Montana Code Annotated|Title 33. Insurance and Insurance Companies|Chapter 15. The Insurance Contract|Part 3. Policy Provisions|33-15-327. Powers of the commissioner

  33-15-327. Powers of the commissioner. The commissioner may authorize a lower score than the Flesch reading ease score required in 33-15-325(1)(a) whenever, in in the commissioner's sole discretion, the commissioner finds that a lower score:   (1) will provide a more accurate reflection of the readability of a policy form;   (2) is warranted by the nature of a particular policy form or type or class of policy forms; or   (3) is caused by certain policy language that is drafted to conform to the requirements of any state law, regulation, or agency interpretation.   History: En. Sec. 7, Ch. 302, L. 1981; amd. Sec. 1187, Ch. 56, L. 2009.
MT Code § 33-15-328 (2021)
2021 Montana Code Annotated|Title 33. Insurance and Insurance Companies|Chapter 15. The Insurance Contract|Part 3. Policy Provisions|33-15-328. Approval of forms

  33-15-328. Approval of forms. A policy form meeting the requirements of 33-15-325(1)(a) may be approved by the commissioner notwithstanding the provisions of other laws that specify content of policies if the approved policy form provides policyholders and claimants protection not less favorable than they would be entitled to under such laws.   History: En. Sec. 8, Ch. 302, L. 1981.
MT Code § 33-15-329 (2021)
2021 Montana Code Annotated|Title 33. Insurance and Insurance Companies|Chapter 15. The Insurance Contract|Part 3. Policy Provisions|33-15-329. Applicability schedule

  33-15-329. Applicability schedule. (1) Except as provided in 33-15-324, the provisions of 33-15-321 through 33-15-329 apply to all policy forms filed on or after July 1, 1983. A policy form may not be delivered or issued for delivery in this state on or after July 1, 1986, unless approved by the commissioner or permitted to be issued under 33-15-321 through 33-15-329. Any policy form that has been approved or permitted to be issued prior to July 1, 1986, and that meets the standards set by 33-15-321 through 33-15-329 is not required to be refiled for approval but may continue to be lawfully delivered or issued for delivery in this state upon the filing with the commissioner of a list of the forms identified by form number and accompanied by a certificate as to each form in the manner provided in 33-15-325(4).   (2) The commissioner may extend the dates in subsection (1).   History: En. Sec. 10, Ch. 302, L. 1981; amd. Sec. 1188, Ch. 56, L. 2009.
MT Code § 33-15-330 (2021)
2021 Montana Code Annotated|Title 33. Insurance and Insurance Companies|Chapter 15. The Insurance Contract|Part 3. Policy Provisions|33-15-330. through 33-15-332 reserved

  33-15-330 through 33-15-332 reserved.
MT Code § 33-15-333 (2021)
2021 Montana Code Annotated|Title 33. Insurance and Insurance Companies|Chapter 15. The Insurance Contract|Part 3. Policy Provisions|33-15-333. Short title

  33-15-333. Short title. Sections 33-15-333 through 33-15-340 may be cited as the "Property and Casualty Insurance Policy Language Simplification Act".   History: En. Sec. 1, Ch. 416, L. 1993.
MT Code § 33-15-334 (2021)
2021 Montana Code Annotated|Title 33. Insurance and Insurance Companies|Chapter 15. The Insurance Contract|Part 3. Policy Provisions|33-15-334. Purpose

  33-15-334. Purpose. (1) The purpose of 33-15-333 through 33-15-340 is to establish minimum language and format standards to make property and casualty policies easier to read.   (2) Sections 33-15-333 through 33-15-340 are not intended to increase the risk assumed under policies subject to 33-15-333 through 33-15-340. Sections 33-15-333 through 33-15-340 are not intended to impede flexibility and innovation in the development of policy forms or content. Sections 33-15-333 through 33-15-340 do not grant authority to the commissioner to mandate the standardization of policy forms or content.   History: En. Sec. 2, Ch. 416, L. 1993.
MT Code § 33-15-335 (2021)
2021 Montana Code Annotated|Title 33. Insurance and Insurance Companies|Chapter 15. The Insurance Contract|Part 3. Policy Provisions|33-15-335. Definitions

  33-15-335. Definitions. As used in 33-15-333 through 33-15-340, the following definitions apply:   (1) "Casualty insurance" does not include accident and health or disability insurance.   (2) "Policy" or "policy form" means any written contract of property or casualty insurance delivered or issued for delivery in this state by or on behalf of any insurer licensed in this state.   History: En. Sec. 3, Ch. 416, L. 1993.
MT Code § 33-15-336 (2021)
2021 Montana Code Annotated|Title 33. Insurance and Insurance Companies|Chapter 15. The Insurance Contract|Part 3. Policy Provisions|33-15-336. Applicability

  33-15-336. Applicability. (1) Other statutes of this state setting simplification standards for language or format do not apply to property and casualty policies.   (2) Sections 33-15-333 through 33-15-340 do not apply to policies in manuscript form or to the following kinds of insurance:   (a) ocean marine;   (b) surety and financial institution bonds;   (c) reinsurance;   (d) commercial aviation; or   (e) large commercial risks whose aggregate annual premiums for insurance on all risks totals at least $100,000.   (3) A non-English policy is considered in compliance with 33-15-337 if it was translated from an English policy that complies with 33-15-337.   History: En. Sec. 4, Ch. 416, L. 1993; amd. Sec. 25, Ch. 472, L. 1999.
MT Code § 33-15-338 (2021)
2021 Montana Code Annotated|Title 33. Insurance and Insurance Companies|Chapter 15. The Insurance Contract|Part 3. Policy Provisions|33-15-338. Powers of commissioner

  33-15-338. Powers of commissioner. (1) At the commissioner's discretion, the commissioner may extend any dates under 33-15-333 through 33-15-340.   (2) The commissioner has sole authority to enforce the provisions of 33-15-333 through 33-15-340 or to seek remedies for its violation.   (3) The commissioner may authorize a lower score than the Flesch reading ease score required in 33-15-337 when, in the commissioner's discretion, a lower score:   (a) will provide a more accurate reflection of the readability of a policy;   (b) is warranted by the nature of a particular policy or type or class of policy; or   (c) is caused by certain policy language that is drafted to conform to the requirements of any state law, regulation, or agency interpretation.   History: En. Sec. 6, Ch. 416, L. 1993.
MT Code § 33-15-339 (2021)
2021 Montana Code Annotated|Title 33. Insurance and Insurance Companies|Chapter 15. The Insurance Contract|Part 3. Policy Provisions|33-15-339. Compliance with other statutorily required language

  33-15-339. Compliance with other statutorily required language. The requirements of any other laws that specify the language or content of a policy may be met by a policy complying with the provisions of 33-15-337. However, the policy must provide protection that, considered as a whole, is not less favorable to the insured than is required by the other laws.   History: En. Sec. 7, Ch. 416, L. 1993.
MT Code § 33-15-340 (2021)
2021 Montana Code Annotated|Title 33. Insurance and Insurance Companies|Chapter 15. The Insurance Contract|Part 3. Policy Provisions|33-15-340. Liability and coverage not imputed

  33-15-340. Liability and coverage not imputed. The existence or nonexistence of coverage or liability under a policy may not be construed from policy approval by the commissioner.   History: En. Sec. 8, Ch. 416, L. 1993.
MT Code § 33-15-401 (2021)
2021 Montana Code Annotated|Title 33. Insurance and Insurance Companies|Chapter 15. The Insurance Contract|Part 4. Application, Issuance, Renewal, Assignment, and Return|33-15-401. Application required -- life and disability insurance

  33-15-401. Application required -- life and disability insurance. No life or disability insurance contract upon an individual, except a contract of group life insurance or of group or blanket disability insurance, shall be made or effectuated unless at the time of the making of the contract the individual insured, being of competent legal capacity to contract, applies therefor or has consented thereto in writing, except in the following cases:   (1) A spouse may effectuate such insurance upon the other spouse.   (2) Any person having an insurable interest in the life of a minor or any person upon whom a minor is dependent for support and maintenance may effectuate insurance upon the life of or pertaining to such minor.   (3) Family policies insuring any two or more members of a family may be issued on an application signed by either parent, a stepparent, or by a husband or wife.   History: En. Sec. 268, Ch. 286, L. 1959; R.C.M. 1947, 40-3711.
MT Code § 33-15-402 (2021)
2021 Montana Code Annotated|Title 33. Insurance and Insurance Companies|Chapter 15. The Insurance Contract|Part 4. Application, Issuance, Renewal, Assignment, and Return|33-15-402. Application as evidence -- copy to insured -- alteration

  33-15-402. Application as evidence -- copy to insured -- alteration. (1) An application for the issuance of any life or disability insurance policy or annuity contract may not be admissible in evidence in any action relative to the policy or contract unless a true copy of the application was attached to or otherwise made a part of the policy or contract when issued. This provision does not apply to industrial life insurance policies.   (2) If any policy of life or disability insurance delivered in this state is reinstated or renewed and the insured or the beneficiary or assignee of the policy makes written request to the insurer for a copy of the application, if any, for reinstatement or renewal, the insurer shall, within 30 days after receipt of the request at its home office or at any of its branch offices, deliver or mail to the person making the request a copy of the application. If the copy is not delivered or mailed after having been requested, the insurer is precluded from introducing the application in evidence in any action or proceeding based upon or involving the policy or its reinstatement or renewal. In the case of a request from a beneficiary, the time within which the insurer is required to furnish a copy of the application may not begin to run until after receipt of evidence satisfactory to the insurer of the beneficiary's vested interest in the policy or contract.   (3) As to kinds of insurance other than life or disability insurance, an application for insurance signed by or on behalf of the insured may not be admissible in evidence in any action between the insured and the insurer arising out of the policy applied for if the insurer has failed, at expiration of 30 days after receipt by the insurer of written demand by or on behalf of the insured, to furnish to the insured a copy of the application reproduced by any legible means.   (4) An alteration of any written application for any life or disability insurance policy may not be made by any person other than the applicant without the applicant's written consent, except that insertions may be made by the insurer, for administrative purposes only, in a manner that clearly indicates that the insertions are not to be ascribed to the applicant.   History: En. Sec. 269, Ch. 286, L. 1959; R.C.M. 1947, 40-3712; amd. Sec. 1189, Ch. 56, L. 2009.
MT Code § 33-15-403 (2021)
2021 Montana Code Annotated|Title 33. Insurance and Insurance Companies|Chapter 15. The Insurance Contract|Part 4. Application, Issuance, Renewal, Assignment, and Return|33-15-403. Representations in applications -- benefit precluded and rescission allowed if fraudulent or material

  33-15-403. Representations in applications -- benefit precluded and rescission allowed if fraudulent or material. (1) All statements and descriptions in any application for an insurance policy or annuity contract or in negotiations for an insurance policy or annuity contract by or on behalf of the insured or annuitant are considered representations and not warranties.   (2) Misrepresentations, omissions, concealment of facts, and incorrect statements preclude a benefit and allow rescission under the policy or contract if:   (a) the representations are fraudulent;   (b) the representations are material either to the acceptance of the risk or to the hazard assumed by the insurer; or   (c) the insurer in good faith would either not have issued the policy or contract or would not have issued a policy or contract in as large an amount or at the same premium or rate or would not have provided coverage with respect to the hazard resulting in the loss if the true facts had been made known to the insurer as required either by the application for the policy or contract or otherwise; and   (d) the questions in the application are sufficiently specific so that a reasonable person would understand the requirement to provide the particular facts and that the applicant's response was material to the insurer's decision to provide coverage or to determine the premium or rate to be charged for the coverage.   (3) Subsection (2)(c) does not apply to nonrenewal or discontinuation of group health insurance offered in connection with a group health plan in the small group market or large group market, as those terms are defined in 33-22-140.   (4) If the parties to an insurance policy disagree regarding the propriety of rescission of a policy or a contract under this section, the district courts of this state have jurisdiction to determine the relative rights of the parties under the Uniform Declaratory Judgments Act in Title 27, chapter 8.   (5) This section may not be construed to limit or impair the powers and authority of the commissioner under this title.   History: En. Sec. 270, Ch. 286, L. 1959; R.C.M. 1947, 40-3713; amd. Sec. 1, Ch. 416, L. 1997; amd. Sec. 1, Ch. 315, L. 2019.
MT Code § 33-15-404 (2021)
2021 Montana Code Annotated|Title 33. Insurance and Insurance Companies|Chapter 15. The Insurance Contract|Part 4. Application, Issuance, Renewal, Assignment, and Return|33-15-404. through 33-15-410 reserved

  33-15-404 through 33-15-410 reserved.
MT Code § 33-15-411 (2021)
2021 Montana Code Annotated|Title 33. Insurance and Insurance Companies|Chapter 15. The Insurance Contract|Part 4. Application, Issuance, Renewal, Assignment, and Return|33-15-411. Binders for temporary insurance

  33-15-411. Binders for temporary insurance. (1) Binders or other contracts for temporary insurance may be made orally or in writing and shall be deemed to include all the usual terms of the policy as to which the binder was given, together with such applicable endorsements as are designated in the binder, except as superseded by the clear and express terms of the binder.   (2) No binder shall be valid beyond the issuance of the policy with respect to which it was given or beyond 90 days from its effective date, whichever period is the shorter.   (3) If the policy has not been issued, a binder may be extended or renewed beyond such 90 days with the written approval of the insurer.   (4) This section shall not apply to life or disability insurance.   History: En. Sec. 283, Ch. 286, L. 1959; R.C.M. 1947, 40-3726.