reglab/housing_qa huggingface dataset:
AR Code § 23-85-136 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 85 - Accident and Health Insurance|§ 23-85-136. Standard claim form required

 (a) All accident and health insurers transacting business in this state shall use Form HCFA 1500 and Form UB-92/HCFA 1450, or the claim format required by the Health Insurance Portability and Accountability Act of 1996, Pub. L. No. 104-191, as the standard claim forms until and unless the Insurance Commissioner prescribes otherwise.  (b) Pursuant to the applicable provisions of the Arkansas Insurance Code, the commissioner may suspend or revoke the certificate of authority of any insurance company that refuses to use and accept the standard claim form required by this section, or the commissioner may utilize any remedy provided in § 23-66-210.
AR Code § 23-85-137 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 85 - Accident and Health Insurance|§ 23-85-137. In vitro fertilization coverage required

 (a) All accident and health insurance companies doing business in this state shall include, as a covered expense, in vitro fertilization.  (b) Pursuant to the applicable provisions of the Arkansas Insurance Code, the Insurance Commissioner may suspend or revoke the certificate of authority of any insurance company failing to comply with the provisions of this section.  (c) After conducting appropriate studies and public hearings, the commissioner shall establish minimum and maximum levels of coverage to be provided by the accident and health insurance companies.  (d) Coverage required under this section shall include services and procedures performed at a medical facility licensed or certified by the Department of Health or another state health department that conform to the guidelines and minimum standards of the:  (1) American College of Obstetricians and Gynecologists for in vitro fertilization clinics; or  (2) American Society for Reproductive Medicine for programs of in vitro fertilization.    (e) Continued certification shall require that the facility is achieving a reasonable success rate with both fertilization and births.  (f) Appropriate laboratory facilities must be provided by the entity requesting certification.
AR Code § 23-85-139 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 85 - Accident and Health Insurance|§ 23-85-139. Written notice for premium payments made

 (a) No insurer issuing or renewing policies pursuant to this chapter or conversion policies issued pursuant to § 23-86-115 shall unilaterally change the premium payment mode for the policyholder or payor unless the insurer provides written notice of the effective date of the premium payment mode change to the policyholder or payor at least sixty (60) days prior to the change.  (b) This section shall not apply when an insurer unilaterally changes the premium payment mode solely due to a policyholder's or payor's nonpayment of premium.
AR Code § 23-85-140 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 85 - Accident and Health Insurance|§ 23-85-140. Nonparticipation in maintenance of licensure or maintenance of certification — Insurer prohibited from denying reimbursement or discriminating in reimbursement levels — Definitions

 (a) As used in this section:  (1) “Maintenance of certification” means any process requiring periodic recertification examinations or other activities to maintain specialty medical certification; and  (2) “Specialty medical board certification” means a certification by a board that:  (A) Specializes in one (1) particular area of medicine; and  (B) Typically requires examinations that are in addition to the requirements of the Arkansas State Medical Board to practice medicine.      (b) An insurer shall not:  (1) Deny reimbursement to or prevent a physician from participating in any provider network based solely on a decision of the physician not to participate in any form of maintenance of certification; or  (2) Discriminate with respect to reimbursement levels based solely on a decision of the physician not to participate in any form of maintenance of certification.
AR Code § 23-87-101 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 87 - Model Act for the Regulation of Credit Life Insurance and Credit Disability Insurance|§ 23-87-101. Title

 This chapter may be cited as the “Model Act for the Regulation of Credit Life Insurance and Credit Disability Insurance”.
AR Code § 23-87-102 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 87 - Model Act for the Regulation of Credit Life Insurance and Credit Disability Insurance|§ 23-87-102. Purpose

 The purpose of this chapter is to promote the public welfare by regulating credit life insurance and credit disability insurance.
AR Code § 23-87-103 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 87 - Model Act for the Regulation of Credit Life Insurance and Credit Disability Insurance|§ 23-87-103. Definitions

 For the purpose of this chapter, unless the context otherwise requires:   (1) “Credit disability insurance” means insurance on a debtor to provide indemnity for payments becoming due on a specific loan or other credit transaction while the debtor is disabled as defined in the policy;  (2) “Credit life insurance” means insurance on the life of a debtor pursuant to or in connection with a specific loan or other credit transaction for a period of time not to exceed ten (10) years;  (3) “Creditor” means the lender of money or vendor or lessor of goods, services, property, rights, or privileges for which payment is arranged through a credit transaction, or any successor to the right, title, or interest of the lender, vendor, or lessor;  (4) “Debtor” means a borrower of money or a purchaser or lessee of goods, services, property, rights, or privileges for which payment is arranged through a credit transaction; and  (5) “Indebtedness” means the total amount payable by a debtor to a creditor in connection with a loan or other credit transaction.
AR Code § 23-87-104 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 87 - Model Act for the Regulation of Credit Life Insurance and Credit Disability Insurance|§ 23-87-104. Scope

 All life insurance and all disability insurance sold in connection with loans or other credit transactions shall be subject to the provisions of this chapter, except insurance sold in connection with a loan or other credit transaction of more than ten (10) years' duration.
AR Code § 23-87-105 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 87 - Model Act for the Regulation of Credit Life Insurance and Credit Disability Insurance|§ 23-87-105. Construction

 (a) Nothing in this chapter is intended to prohibit or discourage reasonable competition.  (b) The provisions of this chapter shall be liberally construed.
AR Code § 23-87-106 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 87 - Model Act for the Regulation of Credit Life Insurance and Credit Disability Insurance|§ 23-87-106. Penalties

 (a) In addition to any penalty provided by law, any person who violates an order of the Insurance Commissioner after it has become final, and while the order is in effect, shall, upon proof thereof to the satisfaction of the court, forfeit and pay to the State of Arkansas a sum not to exceed two hundred fifty dollars ($250) which may be recovered in a civil action. However, if the violation is found to be willful, the amount of the penalty shall be a sum not to exceed one thousand dollars ($1,000).  (b)  (1) In the commissioner's discretion, the commissioner may also revoke or suspend the license or certificate of authority of the person guilty of any violation as set out in subsection (a) of this section.  (2) The order for suspension or revocation shall be subject to judicial review as provided in § 23-61-307.
AR Code § 23-87-107 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 87 - Model Act for the Regulation of Credit Life Insurance and Credit Disability Insurance|§ 23-87-107. Policy forms

 Credit life insurance and credit disability insurance shall be issued only in the following forms:   (1) Individual policies of life insurance issued to debtors on the term plan;  (2) Individual policies of disability insurance issued to debtors on a term plan, or disability provisions in individual life policies to provide coverage;  (3) Group policies of life insurance issued to creditors providing insurance upon the lives of debtors on the term plan; and  (4) Group policies of disability insurance issued to creditors on a term plan insuring debtors, or disability provisions in group life policies to provide coverage.
AR Code § 23-87-108 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 87 - Model Act for the Regulation of Credit Life Insurance and Credit Disability Insurance|§ 23-87-108. Amount

 (a) Credit Life Insurance. The amount of credit life insurance shall not exceed the original amount of the indebtedness and any interest included therein.  (b) Credit Disability Insurance. The amount of periodic indemnity payable by credit disability insurance in the event of disability, as defined in the policy, shall not exceed the aggregate of the periodic scheduled unpaid installments of indebtedness and shall not exceed the original indebtedness and any interest included therein divided by the number of periodic installments.
AR Code § 23-87-109 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 87 - Model Act for the Regulation of Credit Life Insurance and Credit Disability Insurance|§ 23-87-109. Term

 (a)  (1) Subject to acceptance by the insurer, the term of any credit life insurance or credit disability insurance shall commence on the date when the debtor becomes obligated to the creditor.  (2) However, when a group policy provides coverage with respect to existing obligations, the insurance on a debtor with respect to that indebtedness shall commence on the effective date of the policy.    (b) The term of the insurance shall not extend more than fifteen (15) days beyond the scheduled maturity date of the indebtedness except when extended without additional cost to the debtor.  (c) If the indebtedness is discharged due to renewal or refinancing prior to the scheduled maturity date, the insurance in force shall be terminated before any new insurance may be issued in connection with the renewed or refinanced indebtedness.  (d) In all cases of termination prior to scheduled maturity, a refund shall be paid or credited as provided in § 23-87-113.
AR Code § 23-87-111 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 87 - Model Act for the Regulation of Credit Life Insurance and Credit Disability Insurance|§ 23-87-111. Delivery of policy or certificate

 (a) The individual policy or group certificate of insurance shall be delivered to the insured debtor at the time the indebtedness is incurred except as provided in subsection (b) of this section.  (b)  (1) If the individual policy or group certificate of insurance is not delivered to the debtor at the time the indebtedness is incurred, a copy of the application for the policy or a notice of proposed insurance signed by the debtor and setting forth the name and home office address of the insurer, the name or names of the debtor, the amount of payment by the debtor separately in connection with credit life insurance and credit disability insurance coverage, and a brief description of the coverage provided or to be provided shall be delivered to the debtor at the time the indebtedness is incurred.  (2) The copy of the application for or notice of proposed insurance shall refer exclusively to insurance coverage and shall be separate and apart from the loan, sale, or other credit statement of account, instrument, or agreement unless the information required by this section is prominently set forth therein.  (3) Upon approval of the application, if any, or acceptance of the insurance and within thirty (30) days of the date upon which the indebtedness is incurred, the insurer shall cause the individual policy or group certificate of insurance to be delivered to the debtor.  (4) The application or notice of proposed insurance shall state that upon acceptance by the insurer, the insurance shall become effective as of the date the indebtedness is incurred.  (5) The insurer may rely upon the representations in the application regarding the health and employment of the applicant without further investigation or examination of the debtor.  (6) If credit life insurance or credit disability insurance is rescinded due to material misrepresentation on the part of the insured, the insured shall be entitled to a full refund of the premium paid.
AR Code § 23-87-112 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 87 - Model Act for the Regulation of Credit Life Insurance and Credit Disability Insurance|§ 23-87-112. Filing, approval, and withdrawal of policies, certificates, notices, etc

 (a) All policies, certificates of insurance, notices of proposed insurance, applications for insurance, binders, endorsements, and riders shall be filed with the insurance commissioner in the state in which the policy is issued.  (b) Within thirty (30) days after the filing of all policies, certificates of insurance, notices of proposed insurance, applications for insurance, binders, endorsements, and riders, in addition to other requirements of law, the commissioner may disapprove the form if the table of premium rates charged or to be charged appears by reasonable assumptions to be excessive in relation to benefits or if it contains provisions that are unjust, unfair, inequitable, misleading, or deceptive or encourage misrepresentation of the policy.  (c)  (1) If the commissioner notifies the insurer that the form does not comply with this section, it is unlawful thereafter for the insurer to issue or use the form.  (2) In the notice, the commissioner shall specify the reason for his or her disapproval and state that a hearing will be granted within twenty (20) days after request in writing by the insurer.  (3) No policy, certificate of insurance, notice of proposed insurance and no application, binder, endorsement, or rider shall be issued or used until the expiration of thirty (30) days after it has been so filed unless the commissioner gives his or her prior written approval thereto.    (d) At any time after a hearing, of which not less than twenty (20) days' written notice was given to the insurer, the commissioner may withdraw his or her approval of any form on any such grounds.  (e) It is not lawful for the insurer to issue the forms or use them after the effective date of the withdrawal of approval.  (f) Any order or final determination of the commissioner under the provisions of this section shall be subject to judicial review.
AR Code § 23-87-114 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 87 - Model Act for the Regulation of Credit Life Insurance and Credit Disability Insurance|§ 23-87-114. Issuance of policies

 All policies of credit life insurance and credit disability insurance shall be delivered or issued for delivery in this state only by an insurer authorized to do an insurance business therein and shall be issued only through holders of licenses issued by the Insurance Commissioner.
AR Code § 23-87-115 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 87 - Model Act for the Regulation of Credit Life Insurance and Credit Disability Insurance|§ 23-87-115. Claims

 (a) All claims shall be promptly reported to the insurer or its designated claim representative, and the insurer shall maintain adequate claim files. All claims shall be settled as soon as possible and in accordance with the terms of the insurance contract.  (b) All claims shall be paid by check or draft of the insurer to the order of the claimant to whom payment of the claim is due pursuant to the policy provisions, or upon direction of the claimant, to one specified.  (c) No plan or arrangement shall be used whereby any person, firm, or corporation other than the insurer or its designated claim representative shall be authorized to settle or adjust claims. The creditor shall not be designated as claim representative for the insurer in adjusting claims, except that a group policyholder, by arrangement with the group insurer, may draw drafts or checks in payment of claims due to the group policyholder subject to audit and review by the insurer.
AR Code § 23-87-116 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 87 - Model Act for the Regulation of Credit Life Insurance and Credit Disability Insurance|§ 23-87-116. Debtor's choice of insurer as additional security

 When credit life insurance or credit disability insurance is required as additional security for any indebtedness, the debtor shall, upon request to the creditor, have the option of furnishing the required amount of insurance through existing policies of insurance owned or controlled by him or her or of procuring and furnishing the required coverage through any insurer authorized to transact an insurance business within this state.
AR Code § 23-87-117 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 87 - Model Act for the Regulation of Credit Life Insurance and Credit Disability Insurance|§ 23-87-117. Compensation limited

 (a)  (1) In order to assure that the premium rates charged or to be charged for credit life insurance or credit disability insurance are reasonable in relation to benefits provided, the Insurance Commissioner, after due notice and hearing, may issue rules establishing the maximum compensation payable to an agent, a broker, or a creditor or any affiliate, associate, subsidiary, director, officer, employee, or other representative of or for the creditor for writing or handling the insurance, including commission, dividends, premium adjustments, policy writing fees, underwriting gain, or any compensation or remuneration in whatever form.  (2) An insurer may disclose the amount of commission or compensation payable to an agent, broker, or creditor under this section.    (b) Provided, the term “compensation” as defined and used in this section shall not be deemed to include reinsurance premiums paid to, or underwriting profits generated by, an insurer or reinsurer owned by, controlled by, or under common control with a credit insurer, an agent, broker, creditor, group of creditors, or any affiliate, associate, subsidiary, director, officer, employee, or other representative of, or for such a credit insurer, creditor, or group of creditors, on accounts in existence with such an insurer or reinsurer on January 17, 1989, that have been registered with the commissioner within twenty (20) days of July 3, 1989, in accordance with pertinent rules promulgated by the commissioner.  (c) Provided further, any and all payments to all direct and indirect successors in interests whether through purchase, gift, devise, or otherwise, related to all accounts registered under this section shall also not be deemed compensation.
AR Code § 23-87-118 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 87 - Model Act for the Regulation of Credit Life Insurance and Credit Disability Insurance|§ 23-87-118. Enforcement

 (a) After notice and hearing, the Insurance Commissioner may issue such rules as the commissioner deems appropriate for the supervision of this chapter.  (b)  (1) Whenever the commissioner finds that there has been a violation of this chapter or any rules issued pursuant thereto, and after written notice thereof and hearing given to the insurer or other person licensed by the commissioner, the commissioner shall set forth the details of his or her findings together with an order for compliance by a specified date.  (2) The order shall be binding on the insurer and other person licensed by the commissioner on the date specified unless sooner withdrawn by the commissioner or a stay thereof has been ordered by a court of competent jurisdiction.
AR Code § 23-87-119 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 87 - Model Act for the Regulation of Credit Life Insurance and Credit Disability Insurance|§ 23-87-119. Judicial review

 Any party to the proceeding affected by an order of the Insurance Commissioner shall be entitled to judicial review by following the procedure set forth in § 23-61-307.
AR Code § 23-90-101 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 90 - Arkansas Property And Casualty Insurance Guaranty Act|§ 23-90-101. Title

 This chapter shall be known and may be cited as the “Arkansas Property and Casualty Insurance Guaranty Act”.
AR Code § 23-90-102 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 90 - Arkansas Property And Casualty Insurance Guaranty Act|§ 23-90-102. Purpose

 This chapter is for the purpose of providing funds in addition to assets of insolvent insurers for the protection of the holders of covered claims as defined in § 23-90-103 through payment and through contracts of reinsurance or assumption of liabilities or of substitution or otherwise.
AR Code § 23-90-104 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 90 - Arkansas Property And Casualty Insurance Guaranty Act|§ 23-90-104. Applicability — Exceptions

 This chapter shall apply to all kinds of direct insurance written by insurers licensed to transact insurance in this state but shall not be applicable to the following:   (1) Life, annuity, health, or accident and health insurance;  (2) Mortgage guaranty, financial guaranty, or other form of insurance offering protection against investment risks;  (3) Bail bonds or appearance bonds as defined in or otherwise referenced in § 17-19-101 et seq.;  (4) Credit insurance;  (5) Insurance of warranties or service contracts;  (6) Title insurance;  (7) Ocean marine insurance; and  (8) Any transaction or combination of transactions between a person, including affiliates of the person, and an insurer, including affiliates of the insurer, which involves the transfer of investment or credit risk unaccompanied by transfer of insurance risk.
AR Code § 23-90-105 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 90 - Arkansas Property And Casualty Insurance Guaranty Act|§ 23-90-105. Construction

 This chapter shall be liberally construed to effect the purpose under § 23-90-102 which shall constitute an aid and guide to interpretation.