reglab/housing_qa huggingface dataset:
ID Code § 41-2521 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 25 - CASUALTY INSURANCE CONTRACTS|Section 41-2521 - AUTOMOBILE INSURANCE.

41-2521. AUTOMOBILE INSURANCE. (1) Insurers that write automobile insurance in this state may exclude or continue to exclude any and all coverage afforded under the owner’s insurance policy for any loss or injury that occurs while a driver is logged on to a transportation network company’s digital network or while a driver provides a prearranged ride. This right to exclude all coverage may apply to any coverage included in an automobile insurance policy including, but not limited to: (a) Liability coverage for bodily injury and property damage; (b) Personal injury protection coverage; (c) Uninsured and underinsured motorist coverage; (d) Medical payments coverage; (e) Comprehensive physical damage coverage; and (f) Collision physical damage coverage. Such exclusions shall apply notwithstanding any requirement under chapter 12, title 49, Idaho Code. Nothing in this section implies or requires that a personal automobile insurance policy provide coverage while the driver is logged on to the transportation network company’s digital network, while the driver is engaged in a prearranged ride or while the driver otherwise uses a vehicle to transport passengers for compensation. Nothing shall be deemed to preclude an insurer from providing coverage for the transportation network company driver’s vehicle, if it so chose to do so by contract or endorsement. (2) Automobile insurers that exclude the coverage described in section 41-2519, Idaho Code, shall have no duty to defend or indemnify any claim expressly excluded thereunder. Nothing in this act shall be deemed to invalidate or limit an exclusion contained in a policy, including any policy sold or approved for sale in Idaho prior to the enactment of this act. An automobile insurer that defends or indemnifies a claim against a driver that is excluded under the terms of its policy shall have a right of contribution against other insurers that provide automobile insurance to the same driver in satisfaction of the coverage requirements of section 41-2519, Idaho Code, at the time of loss. (3) In a claims coverage investigation, transportation network companies and any insurer potentially providing coverage under section 41-2519, Idaho Code, shall cooperate to facilitate the exchange of relevant information with directly involved parties and any insurer of the transportation network company driver, if applicable, including the precise times that a transportation network company driver logged on and off of the transportation network company’s digital network in the twelve (12) hour period immediately preceding and in the twelve (12) hour period immediately following the accident and disclose to one another a clear description of the coverage, exclusions and limits provided under any automobile insurance maintained under section 41-2519, Idaho Code.  History: [41-2521, added 2015, ch. 316, sec. 1, p. 1234.]
ID Code § 41-2603 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 26 - SURETY INSURANCE CONTRACTS|Section 41-2603 - JUSTIFICATION OF SURETY — DIRECTOR’S CERTIFICATE AS EVIDENCE.

41-2603. JUSTIFICATION OF SURETY — DIRECTOR’S CERTIFICATE AS EVIDENCE. (1) The director is authorized to issue to any person applying therefor, a certificate showing that any surety insurer that has complied with the laws of the state of Idaho is qualified to do a surety business in this state, and stating the general terms of the risks authorized to be so written. (2) Any such certificate or any certified copy of any uncanceled certificate, shall be received in evidence as a sufficient justification of such surety and its authority to do business in this state: provided, however, that the certificate of the county recorder to any such certified copy, or any certificate furnished directly by the director to an applicant therefor, must bear a date the same as, or later than the date of the bond, undertaking or obligation upon which justification is being made.  History: [41-2603, added 1961, ch. 330, sec. 556, p. 645.]
ID Code § 41-2604 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 26 - SURETY INSURANCE CONTRACTS|Section 41-2604 - MAY BE SOLE SURETY ON BONDS.

41-2604. MAY BE SOLE SURETY ON BONDS. Whenever any bond, undertaking, recognizance or other obligation is by law, or by the charter, ordinances, rules or regulations of any municipality, board, body, organization, court, judge or public officer, required or permitted to be made, given, tendered or filed with surety or sureties, and whenever the performance of any act, duty or obligation, or the refraining from any act is required or permitted to be guaranteed, such bond, undertaking, obligation, recognizance or guaranty may be executed by a surety insurer qualified as in this code provided. Execution by such insurer of such bond, undertaking, obligation, recognizance or guaranty shall be in all respects a full and complete compliance with every requirement of every law, charter, ordinance, rule or regulation that such bond, undertaking, obligation, recognizance or guaranty shall be executed by one surety or by one or more sureties, or that such sureties shall be residents or householders, or freeholders, or either or both, or possess any other qualifications. All courts, judges, heads of departments, boards, bodies, municipalities and public officers of every character shall accept and treat such bond, undertaking, obligation, recognizance or guaranty, when so executed by such insurer, as conforming to, and fully and completely complying with every such requirement of every such law, charter, ordinance, rule or regulation.  History: [41-2604, added 1961, ch. 330, sec. 557, p. 645.]
ID Code § 41-2605 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 26 - SURETY INSURANCE CONTRACTS|Section 41-2605 - CERTIFICATE AS EVIDENCE OF AUTHORITY TO BE SOLE SURETY.

41-2605. CERTIFICATE AS EVIDENCE OF AUTHORITY TO BE SOLE SURETY. The certificate of authority of a surety insurer, issued as provided under this code, shall be evidence of the authority of the insurer to become and to be accepted as sole surety on all private bonds and contracts, and on all bonds, undertakings, recognizances and obligations required or permitted by law or the charter, ordinances, rules or regulations of any municipality, board, body, organization or public officer and of the solvency and credit of such insurer for all authorized purposes and its sufficiency as such surety.  History: [41-2605, added 1961, ch. 330, sec. 558, p. 645.]
ID Code § 41-2606 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 26 - SURETY INSURANCE CONTRACTS|Section 41-2606 - PREMIUMS ON BONDS — ALLOWANCE AS EXPENSE COSTS — LIMIT AS TO AMOUNT.

41-2606. PREMIUMS ON BONDS — ALLOWANCE AS EXPENSE COSTS — LIMIT AS TO AMOUNT. (1) Any assignee, receiver, trustee, committee, guardian, curator, executor, administrator or other fiduciary required as such by law or the order of any court or judge to give bond or undertaking, may include as a part of the lawful expense of executing his trust such sum, paid to a surety insurer or to surety insurers authorized under the laws of this state to do so for becoming his surety on such bond or undertaking, as may be allowed by the court in which, or a judge before whom, he is required to account; and such court or judge shall allow in the settlement of the account of any such fiduciary the premium or premiums so paid to any such insurer or insurers, but not to exceed the premium for such bond or undertaking filed by such insurer or insurers with the director. (2) In all other cases where, by the provisions of law, a corporate surety or guarantor is given or required as to an official bond except as to notaries public, the premium to be paid to any such insurer or insurers for becoming such surety or guarantor shall be paid out of the general funds of the divisions of government by or for which the person or persons covered by such bond or undertaking was appointed or elected, but the premiums shall in no case exceed the premiums filed by such insurer or insurers with the director for the individual, schedule or blanket bonds given or required.  History: [41-2606, added 1961, ch. 330, sec. 559, p. 645.]
ID Code § 41-2607 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 26 - SURETY INSURANCE CONTRACTS|Section 41-2607 - BOND PREMIUMS AS PART OF COSTS IN ACTIONS AND PROCEEDINGS.

41-2607. BOND PREMIUMS AS PART OF COSTS IN ACTIONS AND PROCEEDINGS. In all actions and proceedings a party entitled to recover disbursements therein shall be allowed and may tax and recover such sum paid a surety insurer authorized under the laws of this state to do so for executing any bond, recognizance, undertaking, stipulation or other obligation therein, not exceeding, however, one percent (1%) on the amount of the liability upon such bond, recognizance, undertaking, stipulation, or other obligation during each year the same has been in force.  History: [41-2607, added 1961, ch. 330, sec. 560, p. 645.]
ID Code § 41-2608 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 26 - SURETY INSURANCE CONTRACTS|Section 41-2608 - DEPOSIT FOR PROTECTION OF SURETY.

41-2608. DEPOSIT FOR PROTECTION OF SURETY. It shall be lawful for any party of whom a bond, undertaking or other obligation is required to agree with his surety or sureties for the deposit of any or all moneys and assets for which such surety or sureties are or may be held responsible with a bank, savings bank, safe deposit or trust company authorized by law to do business as such, or other depository approved by the court or a judge thereof, if such deposit is otherwise proper, for the safe keeping thereof and in such manner as to prevent the withdrawal of such moneys and assets or any part thereof without the written consent of such surety or sureties or an order of the court or a judge thereof, made on such notice to such surety or sureties as such court or judge may direct.  History: [41-2608, added 1961, ch. 330, sec. 561, p. 645.]
ID Code § 41-2609 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 26 - SURETY INSURANCE CONTRACTS|Section 41-2609 - RELEASE OF SURETY ON CERTAIN OFFICIAL BONDS.

41-2609. RELEASE OF SURETY ON CERTAIN OFFICIAL BONDS. (1) The surety or the representative of any surety, upon the bond of any trustee, committee, guardian, assignee, receiver, executor or administrator, or other fiduciary, may apply by petition to the court wherein such bond is directed to be filed, or which may have jurisdiction of such trustee, committee, guardian, assignee, receiver, executor or administrator, praying to be relieved from further liability as such surety, for the acts or omissions of the trustee, committee, guardian, assignee, receiver, executor or administrator or other fiduciary, which may occur after the date of the order relieving such surety to be granted as herein provided for, and to require such trustee, committee, guardian, assignee, receiver, executor or administrator, or other fiduciary, to show cause why he should not account and said surety be relieved from such further liability as aforesaid, and said principal be required to give a new bond. (2) Upon the filing of such petition, the court shall issue such order returnable at such time and place and to be served in such manner as the court shall direct, and may restrain such trustee, committee, guardian, assignee, receiver, executor or administrator or other fiduciary from acting except in such manner as it may direct to preserve the trust estate. (3) Upon the return of the order to show cause, if the principal in the bond accounts in due form of law and files a new bond duly approved, then the court must make an order releasing the surety filing the petition as aforesaid, from liability upon the bond for any subsequent act or default of the principal. In default of the principal thus accounting and filing the new bond, the court shall make an order directing such trustee, committee, guardian, assignee, receiver, executor or administrator, or fiduciary to account in due form of law within thirty (30) days, and that if the trust fund or estate shall be found or made good and paid over or properly secured, such surety shall be discharged from any and all further liability as such for the subsequent acts or omissions of the trustee, committee, guardian, assignee, receiver, executor, or administrator, or fiduciary, after the date of the surety being so relieved or discharged and discharging such trustee, committee, guardian, assignee, receiver, executor or administrator, or fiduciary.  History: [41-2609, added 1961, ch. 330, sec. 562, p. 645.]
ID Code § 41-2610 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 26 - SURETY INSURANCE CONTRACTS|Section 41-2610 - ESTOPPEL TO DENY CORPORATE POWER.

41-2610. ESTOPPEL TO DENY CORPORATE POWER. Any insurer giving any bond or recognizance referred to in sections 41-2604 through 41-2608 shall be estopped, in any proceeding to enforce the liability which it has assumed to incur, to deny its corporate power to execute such instrument or assume such liability.  History: [41-2610, added 1961, ch. 330, sec. 563, p. 645.]
ID Code § 41-2611 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 26 - SURETY INSURANCE CONTRACTS|Section 41-2611 - DEDUCTION OF BOND PREMIUM FROM WAGES OF EMPLOYEES.

41-2611. DEDUCTION OF BOND PREMIUM FROM WAGES OF EMPLOYEES. No firm, individual, railroad or other corporation doing business within this state shall collect or retain from the wages of the persons in their employ the cost of any guaranty or security furnished the said firm, individual or railroad or other corporation, covering the said employees, unless such employees shall have agreed to pay the premium on such guaranty or security.  History: [41-2611, added 1961, ch. 330, sec. 564, p. 645.]
ID Code § 41-2612 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 26 - SURETY INSURANCE CONTRACTS|Section 41-2612 - RELEASE OF SURETY ON BOND OF LICENSEE OR PERMITTEE.

41-2612. RELEASE OF SURETY ON BOND OF LICENSEE OR PERMITTEE. (1) The surety or the representative of any surety upon any bond given on behalf or for the use and benefit of any person, firm, copartnership, association or corporation as a licensee or permittee under any law of the state of Idaho, or any municipality thereof, desiring to be released from subsequent liability and responsibility on such bond, shall serve a written notice upon the principal of such bond that on and after twenty (20) days from the date of service of such notice, the surety will withdraw as surety on such bond, and a copy of such notice shall forthwith be served upon the official with whom such bond is filed. (2) Such notice shall be served personally upon the principal if found within the state of Idaho, and if not, by registered mail directed to the principal at his last known address. If the principal cannot be served either personally or by registered mail, service shall be made by publication of the notice in a newspaper of general circulation in the county of the residence or principal place of business of the principal, once a week for a period of two consecutive weeks. Service upon the principal shall be complete one week from the date of the last publication. The affidavit of the persons so serving such notice, with the registered return receipt card attached thereto, if such service has been made by mail, or the affidavit of the publisher of the newspaper, shall be sufficient proof of service of such notice. (3) Proof of such service shall be filed with the official having custody of the bond and the liability of the surety shall cease after a period of twenty (20) days from the date of the service of such notice on the principal. If the principal fails within such twenty (20) day period to file with the proper official a new bond the permit or license shall be canceled and terminated.  History: [41-2612, added 1961, ch. 330, sec. 565, p. 645.]
ID Code § 41-2650 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 26A - MORTGAGE GUARANTY INSURANCE|Section 41-2650 - SHORT TITLE.

41-2650. SHORT TITLE. This chapter may be cited as the mortgage guaranty insurance act.  History: [I.C., sec. 41-2650, as added by 1972, ch. 79, sec. 1, p. 159.]
ID Code § 41-2652 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 26A - MORTGAGE GUARANTY INSURANCE|Section 41-2652 - AUTHORITY TO TRANSACT BUSINESS.

41-2652. AUTHORITY TO TRANSACT BUSINESS. Mortgage guaranty insurance may be transacted only by a stock insurer while possessing and maintaining paid-in capital stock of not less than one million five hundred thousand dollars ($1,500,000) and surplus of not less than one million five hundred thousand dollars ($1,500,000) and duly authorized to transact insurance in this state. The insurer shall not transact in any jurisdiction any kind of insurance other than mortgage guaranty insurance.  History: [I.C., sec. 41-2652, as added by 1972, ch. 79, sec. 1, p. 159; am. 1994, ch. 240, sec. 6, p. 755.]
ID Code § 41-2653 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 26A - MORTGAGE GUARANTY INSURANCE|Section 41-2653 - LIMITS OF RISK.

41-2653. LIMITS OF RISK. (1) The insurer shall not retain risk as to any one (1) loan, or as to all loans secured by properties in a single housing tract or a contiguous tract, in an amount in excess of ten percent (10%) of the insurer’s policyholders’ surplus. In determining the amount of risk retained, applicable reinsurance in an assuming insurer authorized to transact insurance in this state or approved by the director shall be deducted from the total direct risk insured. For the purposes of this section "contiguous" means not separated by more than one-half (1/2) of a mile. (2) The insurer shall not at any time have outstanding aggregate risk liability, net of applicable reinsurance, under mortgage guaranty insurance in amount in excess of twenty-five (25) times its policyholders’ surplus. (3) The director may waive the requirement of subsection (2) of this section upon a written request of the insurer and finding that the insurer is in compliance with any requirements or conditions imposed by the insurer’s state of domicile and the insurer’s policyholder surplus is reasonable in relationship to the insurer’s aggregate insured risk and adequate to its financial needs. In reviewing a written request for approval to exceed the twenty-five (25) times its policyholders’ surplus limitation, the director may retain outside experts to assist in the review. The insurer shall bear the cost of outside experts retained for the review. (4) If at any time the insurer’s outstanding risk liability as to mortgage guaranty insurance exceeds the limitations stated in subsection (2) of this section and the insurer has not received a written waiver from the director, the insurer shall accept no new mortgage guaranty insurance risks while such excess exists. (5) The director may suspend or revoke the certificate of authority of an insurer which violates the provisions of this section.  History: [41-2653, added 1972, ch. 79, sec. 1, p. 159; am. 2010, ch. 131, sec. 1, p. 280; am. 2015, ch. 127, sec. 1, p. 321.]
ID Code § 41-2654 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 26A - MORTGAGE GUARANTY INSURANCE|Section 41-2654 - RESERVES.

41-2654. RESERVES. The insurer shall, as to mortgage guaranty insurance written by it, maintain unearned premium, contingency, and loss reserves as required by chapter 6, title 41, Idaho Code, except the unearned premium reserve for those policies covering a risk period of more than five (5) years shall be computed in accordance with formulae filed by the insurer and approved by the director.  History: [I.C., sec. 41-2654, as added by 1972, ch. 79, sec. 1, p. 159.]
ID Code § 41-2655 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 26A - MORTGAGE GUARANTY INSURANCE|Section 41-2655 - SCHEDULE OF PREMIUM CHARGES.

41-2655. SCHEDULE OF PREMIUM CHARGES. The insurer shall adopt, print and make available to persons desiring the same, a schedule of premium charges for mortgage guaranty insurance policies. The schedule shall show the entire amount of premium charge for each type of mortgage guaranty insurance policy issued by the insurer. The insurer shall not quote any premium charge to any person which is less than that currently available to others in this state for the same type of mortgage guaranty insurance policy. The amount by which any premium charge is less than that called for in the current schedule of premium charges is an unlawful rebate.  History: [I.C., sec. 41-2655, as added by 1972, ch. 79, sec. 1, p. 159.]
ID Code § 41-2656 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 26A - MORTGAGE GUARANTY INSURANCE|Section 41-2656 - ADVERTISING.

41-2656. ADVERTISING. No lending institution or lender, any of whose authorized real property securities are insured by mortgage guaranty insurance pursuant to this chapter, shall state in any form of advertising that the real property loans of the institution or lender are "insured loans" unless the advertising also clearly states that the loans are insured by private insurers named in the advertising; and no such advertising shall be published for dissemination in this state unless the insurer so advertised is authorized to transact such insurance by this state.  History: [I.C., sec. 41-2656, as added by 1972, ch. 79, sec. 1, p. 159.]
ID Code § 41-2701 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 27 - TITLE INSURANCE|Section 41-2701 - SCOPE OF CHAPTER.

41-2701. SCOPE OF CHAPTER. This chapter applies only as to title insurance, as defined in section 41-508.  History: [41-2701, added 1961, ch. 330, sec. 566, p. 645.]
ID Code § 41-2702 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 27 - TITLE INSURANCE|Section 41-2702 - COUNTERSIGNATURE OF POLICIES.

41-2702. COUNTERSIGNATURE OF POLICIES. A title insurer shall not issue a policy of title insurance or guaranteed certificate of title or other guaranty of title covering any property located within Idaho unless countersigned by a person, partnership, corporation or agency owning and maintaining a complete set of tract indexes or abstract records of the county in which such property is located; excepting, that any title insurer may issue such policies, guaranties or certificates directly and without such countersignature covering property in any county where it owns and maintains such indexes and records, or where no such indexes and records are owned and maintained.  History: [41-2702, added 1961, ch. 330, sec. 567, p. 645.]
ID Code § 41-2703 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 27 - TITLE INSURANCE|Section 41-2703 - OTHER PROVISIONS ESPECIALLY APPLICABLE.

41-2703. OTHER PROVISIONS ESPECIALLY APPLICABLE. The following other provisions of this code are, among other provisions, especially applicable as to title insurers: (1) Insuring powers, sections 41-312(3) and 41-508. (2) Capital funds required, section 41-313. (3) Deposit of title insurer, sections 41-316 and 41-316A. (4) Premium tax, section 41-402. (5) Definition of "title insurance", section 41-508. (6) Reserve for losses, unearned premiums, section 41-611. (7) Special investments by title insurer, section 41-726. (8) Levy upon deposit of the insurer, section 41-810.  History: [41-2703, added 1961, ch. 330, sec. 568, p. 645; am. 1994, ch. 240, sec. 11, p. 758.]