reglab/housing_qa huggingface dataset:
ID Code § 41-1812 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 18 - THE INSURANCE CONTRACT|Section 41-1812 - FILING, USE AND DISAPPROVAL OF FORMS.

41-1812. FILING, USE AND DISAPPROVAL OF FORMS. (1) No basic insurance policy or annuity contract form, or application form where written application is required and is to be made a part of the policy or contract, or printed rider or endorsement form or form of renewal certificate, shall be delivered, or issued for delivery in this state, unless the form has been filed with the director. This provision shall not apply to surety bonds, or to specially rated inland marine risks, nor to policies, riders, endorsements, or forms of unique character designed for and used with relation to insurance upon a particular subject, or which relate to the manner of distribution of benefits or to the reservation of rights and benefits under life or disability insurance policies and are used at the request of the individual policyholder, contract holder, or certificate holder. As to group insurance policies effectuated and delivered outside this state but covering persons resident in this state, the group certificates to be delivered or issued for delivery in this state shall be filed with the director. As to forms for use in property, marine (other than wet marine and transportation insurance), casualty and surety insurance coverages the filing required by this subsection may be made by rating organizations on behalf of its members and subscribers; but this provision shall not be deemed to prohibit any such member or subscriber from filing any such forms on its own behalf. (2) Every such filing shall be submitted with a certification, in such form as may be determined by the director, by an officer of the insurer that each policy, form, endorsement, or rider in use complies with Idaho law. The director shall have the power to examine such filings to determine whether the policies, forms, endorsements, and riders, as filed, comply with the certification of the insurer and with Idaho law relating to the content of such documents. Upon a determination that any document filed in accordance with this section does not comply with Idaho law, the director shall, in accordance with the Idaho administrative procedure act, prohibit the use of such policy, form, endorsement, rider or other document. (3) The director may, by order, exempt from the requirements of this section for so long as he deems proper any insurance document or form or type thereof as specified in such order, to which, in his opinion, this section may not practicably be applied, or the filing and approval of which are, in his opinion, not desirable or necessary for the protection of the public.  History: [41-1812, added 1961, ch. 330, sec. 404, p. 645; am. 1982, ch. 148, sec. 1, p. 412; am. 1995, ch. 137, sec. 1, p. 591; am. 1997, ch. 344, sec. 1, p. 1027.]
ID Code § 41-1813 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 18 - THE INSURANCE CONTRACT|Section 41-1813 - GROUNDS FOR DISAPPROVAL.

41-1813. GROUNDS FOR DISAPPROVAL. The director shall disapprove any form filed under section 41-1812, [Idaho Code,] or withdraw any previous approval thereof, only on one or more of the following grounds: (1) Is in any respect in violation of or does not comply with this code. (2) Contains or incorporates by reference, where such incorporation is otherwise permissible, any inconsistent, ambiguous, or misleading clauses, or exceptions and conditions which deceptively affect the risk purported to be assumed in the general coverage of the contract, or which are unfairly prejudicial to the policy holder. (3) Has any title, heading, or other indication of its provisions which is misleading. (4) Is printed or otherwise reproduced in such manner as to render any provision of the form substantially illegible.  History: [41-1813, added 1961, ch. 330, sec. 405, p. 645; am. 1969, ch. 214, sec. 48, p. 625.]
ID Code § 41-1814 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 18 - THE INSURANCE CONTRACT|Section 41-1814 - STANDARD PROVISIONS IN GENERAL.

41-1814. STANDARD PROVISIONS IN GENERAL. (1) Insurance contracts shall contain such standard or uniform provisions as are required by the applicable provisions of this code pertaining to contracts of particular kinds of insurance. The director may waive the required use of a particular provision in a particular insurance policy form if: (a) He finds such provision unnecessary for the protection of the insured and inconsistent with the purposes of the policy, and (b) The policy is otherwise approved by him. (2) No policy shall contain any provision inconsistent with or contradictory to any standard or uniform provision used or required to be used, but the director may approve any substitute provision which is, in his opinion, not less favorable in any particular to the insured or beneficiary than the provisions otherwise required. (3) In lieu of the provisions required by this code for contracts for particular kinds of insurance, substantially similar provisions required by the law of the domicile of a foreign or alien insurer may be used when approved by the director.  History: [41-1814, added 1961, ch. 330, sec. 406, p. 645.]
ID Code § 41-1815 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 18 - THE INSURANCE CONTRACT|Section 41-1815 - CONTENTS OF POLICIES IN GENERAL.

41-1815. CONTENTS OF POLICIES IN GENERAL. (1) Every policy shall specify: (a) The names of the parties to the contract. (b) The subject of the insurance. (c) The risks insured against. (d) The time when the insurance thereunder takes effect and the period during which the insurance is to continue. (e) The premium. (f) The conditions pertaining to the insurance. (2) If under the policy the exact amount of premium is determinable only at stated intervals or termination of the contract, a statement of the basis and rates upon which the premium is to be determined and paid shall be included. (3) Subsections (1) and (2) above shall not apply as to surety contracts, or to group insurance policies.  History: [41-1815, added 1961, ch. 330, sec. 407, p. 645; am. 1987, ch. 278, sec. 14, p. 584; am. 1990, ch. 240, sec. 1, p. 683.]
ID Code § 41-1816 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 18 - THE INSURANCE CONTRACT|Section 41-1816 - ASSESSMENT POLICIES — SPECIAL CONTENTS.

41-1816. ASSESSMENT POLICIES — SPECIAL CONTENTS. Every policy delivered or issued for delivery in this state by an insurer otherwise than authorized under other express provisions of this code to transact such insurance in this state on the assessment plan, together with the form of any application for such a policy to be signed by the applicant, shall have conspicuously printed near the top on the face thereof in boldface type of a size not less than the largest type used for any heading or caption in the policy or application, as applicable, the words "issued on the assessment plan" or "assessment plan".  History: [41-1816, added 1961, ch. 330, sec. 408, p. 645.]
ID Code § 41-1817 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 18 - THE INSURANCE CONTRACT|Section 41-1817 - ADDITIONAL POLICY CONTENTS.

41-1817. ADDITIONAL POLICY CONTENTS. A policy may contain additional provisions not inconsistent with this code and which are: (1) Required to be inserted by the laws of the insurer’s domicile; (2) Necessary, on account of the manner in which the insurer is constituted or operated, in order to state the rights and obligations of the parties to the contract, or (3) Desired by the insurer and neither prohibited by law nor in conflict with any provisions required to be included therein.  History: [41-1817, added 1961, ch. 330, sec. 409, p. 645.]
ID Code § 41-1818 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 18 - THE INSURANCE CONTRACT|Section 41-1818 - CHARTER AND BY-LAW PROVISIONS.

41-1818. CHARTER AND BY-LAW PROVISIONS. No policy shall contain any provision purporting to make any portion of the charter, by-laws or other constituent document of the insurer (other than the subscriber’s agreement or power of attorney of a reciprocal insurer) a part of the contract unless such portion is set forth in full in the policy. Any policy provision in violation of this section shall be invalid.  History: [41-1818, added 1961, ch. 330, sec. 410, p. 645.]
ID Code § 41-1819 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 18 - THE INSURANCE CONTRACT|Section 41-1819 - EXECUTION OF POLICIES.

41-1819. EXECUTION OF POLICIES. (1) Every insurance policy shall be executed in the name of and on behalf of the insurer by its officer, attorney in fact, employee, or representative duly authorized by the insurer. (2) A facsimile signature of any such executing individual may be used in lieu of an original signature. (3) No insurance contract heretofore or hereafter issued and which is otherwise valid shall be rendered invalid by reason of the apparent execution thereof on behalf of the insurer by the imprinted facsimile signature of an individual not authorized so to execute as of the date of the policy.  History: [41-1819, added 1961, ch. 330, sec. 411, p. 645.]
ID Code § 41-1820 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 18 - THE INSURANCE CONTRACT|Section 41-1820 - UNDERWRITERS’ AND COMBINATION POLICIES.

41-1820. UNDERWRITERS’ AND COMBINATION POLICIES. (1) Two (2) or more authorized insurers may jointly issue, and shall be jointly and severally liable on, an underwriters’ policy bearing their names. Any one (1) insurer may issue policies in the name of an underwriter’s department and such policy shall plainly show the true name of the insurer. (2) Two (2) or more insurers may, with the approval of the director, issue a combination policy which shall contain provisions substantially as follows: (a) That the insurers executing the policy shall be severally liable for the full amount of any loss or damage, according to the terms of the policy, or for specified percentages or amounts thereof, aggregating the full amount of insurance under the policy, and (b) That service of process, or of any notice or proof of loss required by such policy, upon any of the insurers executing the policy, shall constitute service upon all such insurers. (3) This section shall not apply to cosurety obligations.  History: [41-1820, added 1961, ch. 330, sec. 412, p. 645.]
ID Code § 41-1821 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 18 - THE INSURANCE CONTRACT|Section 41-1821 - VALIDITY AND CONSTRUCTION OF NONCOMPLYING FORMS.

41-1821. VALIDITY AND CONSTRUCTION OF NONCOMPLYING FORMS. (1) A policy hereafter delivered or issued for delivery to any person in this state in violation of this code, but otherwise binding on the insurer, shall be held valid, but shall be construed as provided in this code. (2) Any insurance policy, rider, or endorsement hereafter issued and otherwise valid which contains any condition, omission 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: [41-1821, added 1961, ch. 330, sec. 413, p. 645.]
ID Code § 41-1822 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 18 - THE INSURANCE CONTRACT|Section 41-1822 - CONSTRUCTION OF POLICIES.

41-1822. 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 lawfully made a part of the policy.  History: [41-1822, added 1961, ch. 330, sec. 414, p. 645.]
ID Code § 41-1823 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 18 - THE INSURANCE CONTRACT|Section 41-1823 - BINDERS.

41-1823. BINDERS. (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 supplemental information and 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, or the endorsement, or the policy expiration, whichever is shortest, with respect to which it was given. (3) This section shall not apply to life or disability insurances.  History: [41-1823, added 1961, ch. 330, sec. 415, p. 645; am. 2012, ch. 314, sec. 2, p. 865.]
ID Code § 41-1824 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 18 - THE INSURANCE CONTRACT|Section 41-1824 - DELIVERY OF POLICY.

41-1824. DELIVERY OF POLICY. (1) Subject to the insurer’s requirements as to payment of premium, every policy shall be mailed or delivered to the insured or to the person entitled thereto within a reasonable period of time after its issuance except where a condition required by the insurer has not been met by the insured. (2) In event the original policy is delivered or is so required to be delivered to or for deposit with any vendor, mortgagee, or pledgee of any motor vehicle, and in which policy any interest of the vendee, mortgagor, of pledgor in or with reference to such vehicle is insured, a duplicate of such policy setting forth the name and address of the insurer, insurance classification of vehicle, type of coverage, limits of liability, premiums for the respective coverages, and duration of the policy, or memorandum thereof containing the same such information, shall be delivered by the vendor, mortgagee, or pledgee to each such vendee, mortgagor, or pledgor named in the policy or coming within the group of persons designated in the policy to be so included. If the policy does not provide coverage of legal liability for injury to persons or damage to the property of third parties, adequate notice including, but not limited to, a printed, written, or stamped statement of such fact located conspicuously on the face of such duplicate policy or memorandum shall be provided to the insured, pursuant to rules and regulations adopted by the director of the department of insurance. The director shall prescribe a form, which must be signed by the insured stating that he has received notification as required herein, and by the vendor stating that he has supplied the notification as required herein. This subsection does not apply to inland marine floater policies.  History: [41-1824, added 1961, ch. 330, sec. 416, p. 645; am. 1971, ch. 165, sec. 1, p. 787.]
ID Code § 41-1825 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 18 - THE INSURANCE CONTRACT|Section 41-1825 - RENEWAL BY CERTIFICATE.

41-1825. RENEWAL BY CERTIFICATE. Any insurance policy terminating by its terms at a specified expiration date and not otherwise renewable, may be renewed or extended at the option of the insurer and upon a currently authorized policy form and at the premium rate then required therefor, for a specific additional period or periods by certificate or by endorsement of the policy, and without requiring the issuance of a new policy.  History: [41-1825, added 1961, ch. 330, sec. 417, p. 645.]
ID Code § 41-1826 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 18 - THE INSURANCE CONTRACT|Section 41-1826 - ASSIGNMENT OF POLICIES.

41-1826. ASSIGNMENT OF POLICIES. A policy may be assignable or not assignable, as provided by its terms. Subject to its terms relating to assignability, any life or disability policy, whether heretofore or hereafter issued, under the terms of which the beneficiary may be changed upon the sole request of the insured or owner, may be assigned either by pledge or transfer of title, by an assignment executed by the insured or owner alone and delivered to the insurer, whether or not the pledgee or assignee is the insurer. Any such assignment shall entitle the insurer to deal with the assignee as the owner or pledgee of the policy in accordance with the terms of the assignment, until the insurer has received at its home office written notice of termination of the assignment or pledge, or written notice by or on behalf of some other person claiming some interest in the policy in conflict with the assignment.  History: [41-1826, added 1961, ch. 330, sec. 418, p. 645.]
ID Code § 41-1827 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 18 - THE INSURANCE CONTRACT|Section 41-1827 - RIGHT TO INSPECT POLICIES IN FORCE.

41-1827. RIGHT TO INSPECT POLICIES IN FORCE. The director shall have the right to inspect any policy covering any risk in this state, and every policyholder shall produce and exhibit any policy in his possession or control when required for such inspection. Any person who violates this section shall be guilty of a misdemeanor and upon conviction thereof shall be punishable by a fine of not exceeding five hundred dollars ($500).  History: [41-1827, added 1961, ch. 330, sec. 419, p. 645.]
ID Code § 41-1828 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 18 - THE INSURANCE CONTRACT|Section 41-1828 - PAYMENT DISCHARGES INSURER — PAYMENT TO MARITAL COMMUNITY.

41-1828. PAYMENT DISCHARGES INSURER — PAYMENT TO MARITAL COMMUNITY. (1) Whenever the proceeds of or payments under a life or disability insurance policy or annuity contract heretofore or hereafter issued become payable in accordance with the terms of such policy or contract, or the exercise of any right or privilege thereunder, and the insurer makes payment thereof in accordance with the terms of the policy or contract or in accordance with any written assignment thereof, the person then designated in the policy or contract or by such assignment as being entitled thereto shall be entitled to receive such proceeds or payments and to give full acquittance therefor, and such payments shall fully discharge the insurer from all claims under the policy or contract unless, before payment is made, the insurer has received at its home office written notice by or on behalf of some other person that such other person claims to be entitled to such payment or some interest in the policy or contract. (2) Where the person designated in the policy or contract or by assignment as being entitled thereto is a member of a marital community, whether husband or wife, and the policy or contract is upon the life or disability of either, he or she may receive payment, and shall be and is constituted agent of the marital community with authority to give full acquittance therefor; and such payment to the marital community agent so designated shall fully discharge the insurer from all claims under the policy or contract, but no rights of either member of the marital community, as between themselves, to accounting or division shall be impaired or affected by such payment.  History: [41-1828, added 1961, ch. 330, sec. 420, p. 645.]
ID Code § 41-1830 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 18 - THE INSURANCE CONTRACT|Section 41-1830 - NOTICE OF LAPSE OR TERMINATION OF INDIVIDUAL LIFE INSURANCE.

41-1830. NOTICE OF LAPSE OR TERMINATION OF INDIVIDUAL LIFE INSURANCE. (1) Notwithstanding the provisions of section 41-1927, Idaho Code, an individual life insurance policy shall not be issued or delivered in this state until the applicant has been afforded the option of designating one (1) person, in addition to the applicant, to receive notice of lapse or termination of a policy for nonpayment of premium. (2) A designation made pursuant to subsection (1) of this section shall be on a form provided by the insurer. The applicant shall, on such form, provide the full name, address and telephone number of the person designated to receive notice of lapse or termination of the policy for nonpayment of premium. (3) The insurer shall annually notify a policy owner of the right to: (a) Make a designation pursuant to subsection (1) of this section; (b) Change the designee; and (c) Update the contact information of the designee. (4) The policy owner may, at the policy owner’s discretion, change the designee or change the contact information of the designee more often than annually, and the insurer shall make available the form for such changes at the policy owner’s request. (5) No individual life insurance policy shall lapse or be terminated for nonpayment of premium unless the insurer, at least fourteen (14) days prior to the effective date of the lapse or termination, sends notice by first-class United States mail to the policy owner and to the policy owner’s designee, if a designation has been made pursuant to this section, of the lapse or termination, at the address or addresses provided by the policy owner for purposes of receiving such notice.  (6) The provisions of this section shall apply to any individual life insurance policy issued or in force on or after January 1, 2018. Provided however, that the provisions of this section do not apply to any life insurance policy under which premiums are payable monthly or more frequently.  History: [41-1830, added 2017, ch. 265, sec. 1, p. 660.]
ID Code § 41-1831 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 18 - THE INSURANCE CONTRACT|Section 41-1831 - FORMS FOR PROOF OF LOSS TO BE FURNISHED.

41-1831. FORMS FOR PROOF OF LOSS TO BE FURNISHED. An insurer shall furnish, upon written request of any person claiming to have a loss under an insurance contract issued by such insurer, forms of proof of loss for completion by such person, but such insurer shall not, by reason of the requirement so to furnish forms, have any responsibility for or with reference to the completion of such proof or the manner of any such completion or attempted completion.  History: [41-1831, added 1961, ch. 330, sec. 423, p. 645.]
ID Code § 41-1832 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 18 - THE INSURANCE CONTRACT|Section 41-1832 - CLAIMS ADMINISTRATION NOT WAIVER.

41-1832. CLAIMS ADMINISTRATION NOT WAIVER. Without limitation of any right or defense of an insurer otherwise, none of the following acts by or on behalf of an insurer shall be deemed to constitute a waiver of any provision of a policy or of any defense of the insurer thereunder: (1) Acknowledgment of the receipt of notice of loss or claim under the policy. (2) Furnishing forms for reporting a loss or claim, for giving information relative thereto, or for making proof of loss, or receiving or acknowledging receipt of any such forms or proofs completed or uncompleted. (3) Investigating any loss or claim under any policy or engaging in negotiations looking toward a possible settlement of any such loss or claim.  History: [41-1832, added 1961, ch. 330, sec. 424, p. 645.]