reglab/housing_qa huggingface dataset:
V.I. Code tit. 22, § 812 (2019)
2019 US Virgin Islands Code|Title 22 - Insurance|Chapter 33 - The Insurance Contract|§ 812. Standard forms

 (a) The standard insurance policy of the State of Washington or the State of New York, or The Standard Foreign Policy (English Foreign Form) as authorized and on file in the Office of the Commissioner of Insurance of the State of Washington or of New York on January 1, 1952, together with subsequent changes, is established as the standard form of insurance policies for the Virgin Islands; Provided, That the Commissioner may, after hearing, from time to time promulgate such rules and regulations as may be necessary to effect reasonable uniformity in all basic contracts of fire insurance which are commonly known as the standard form fire policies and may be so referred to in this title, and in the usual supplemental coverages, riders, or endorsements thereon or thereto, to the end that there be a reasonable concurrency of contract where two or more insurers insure the same subject and risk. All such forms heretofore approved by the Commissioner and for use as of immediately prior to the effective date of this title may continue to be so used until the further order the Commissioner made pursuant to this subsection or pursuant to any other provision of this title. (b) The Commissioner may from time to time, after hearing, promulgate such rules and regulations as he deems necessary to establish reasonable minimum standard conditions and terminology for basic benefits to be provided by disability insurance contracts which are subject to chapters 35 and 37 of this title, for the purpose of expediting his approval of such contracts pursuant to this title. No such promulgation shall be inconsistent with standard provisions as required pursuant to section 813 of this title, nor contain requirements inconsistent with requirements relative to the same benefit provision as formulated or approved by the National Association of Insurance Commissioners.
V.I. Code tit. 22, § 813 (2019)
2019 US Virgin Islands Code|Title 22 - Insurance|Chapter 33 - The Insurance Contract|§ 813. Standard provisions

 (a) Insurance contracts shall contain such standard provisions as are required by the applicable chapters of this title pertaining to contracts of particular kinds of insurance. The Commissioner may waive the required use of a particular standard provision in a particular insurance contract form if— (1) he finds such provision unnecessary for the protection of the insured, and inconsistent with the purposes of the contract; and (2) the contract is otherwise approved by him. (b) No insurance contract shall contain any provision inconsistent with or contradictory to any such standard provision used or required to be used, but the Commissioner may, except as to the standard provisions of individual disability insurance contracts as required under chapter 35 of this title, approve any provision which is in his opinion more favorable to the insured than the standard provision or optional standard provision otherwise required. No endorsement, rider, or other documents attached to such contract shall vary, extend, or in any respect conflict with any such standard provision, or with any modification thereof so approved by the Commissioner as being more favorable to the insured. (c) In lieu of the standard provisions required by this title for contracts for particular kinds of insurance, substantially similar standard provisions required by the law of a foreign or alien insurer's domicile may be used when approved by the Commissioner.
V.I. Code tit. 22, § 814 (2019)
2019 US Virgin Islands Code|Title 22 - Insurance|Chapter 33 - The Insurance Contract|§ 814. Content of policies in general

 (a) The written instrument, in which a contract of insurance is set forth, is the policy. (b) A policy shall specify— (1) the name of the parties to the contract, the insurer's name and type of organization shall be clearly shown in the policy; (2) the subject of the insurance; (3) the risks insured against; (4) the time at which the insurance thereunder takes effect and the period during which the insurance is to continue; (5) a statement of the premium, other than as to surety bonds, and if other than life, disability, or title insurance, the premium rate; and (6) the conditions pertaining to the insurance. (c) If under the contract the exact amount of premiums is determinable only at termination of the contract, a statement of the basis and rates upon which the final premium is to be determined and paid shall be furnished the Commissioner or the insured upon request. (d) This section shall not apply to surety insurance contracts.
V.I. Code tit. 22, § 815 (2019)
2019 US Virgin Islands Code|Title 22 - Insurance|Chapter 33 - The Insurance Contract|§ 815. Additional contents

 (a) A policy may contain additional provisions, which are not inconsistent with this title, and which are— (1) required to be so inserted by the laws of the insurer's domicile; or (2) necessary, on account of the manner in which the insurer is constituted or operated, to state the rights and obligations of the parties to the contract. (b) Punitive damages shall not be covered by any insurance policy, regardless of the language therein, unless the policy contains a provision which specifically states: “PUNITIVE DAMAGES ARE EXPLICITLY COVERED BY THE TERMS OF THIS POLICY AS AGREED UPON BY THE PARTIES HERETO AND FOR WHICH AN ADDITIONAL PREMIUM HAS BEEN PAID.” For the purposes of this subsection “punitive damages” means an award over and above general and special damages, where there has been a showing by clear and convincing evidence that the tortfeasor personally and intentionally acted out of circumstances occasioned by violence, oppression, malice, fraud, or wanton or wicked conduct. Gross negligence shall be an insufficient standard of proof to support an award of punitive damages.
V.I. Code tit. 22, § 816 (2019)
2019 US Virgin Islands Code|Title 22 - Insurance|Chapter 33 - The Insurance Contract|§ 816. Charter or bylaw provisions

 No policy shall contain any provision purporting to make any portion of the charter, bylaws, or other constituent document of the 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.
V.I. Code tit. 22, § 817 (2019)
2019 US Virgin Islands Code|Title 22 - Insurance|Chapter 33 - The Insurance Contract|§ 817. Premium defined

 “Premium” as used in this title means all sums charged, received, or deposited as consideration for an insurance contract or the continuance thereof. Any assessment, or any “membership”, “policy”, “survey”, “inspection”, “service” or similar fee or charge made by the insurer in consideration for an insurance contract is deemed part of the premium.
V.I. Code tit. 22, § 818 (2019)
2019 US Virgin Islands Code|Title 22 - Insurance|Chapter 33 - The Insurance Contract|§ 818. Stated premium must include all charges

 (a) The premium stated in the policy shall be inclusive of all fees, charges, premiums, or other consideration charged for the insurance or for the procurement thereof. (b) No insurer or its officer, employee, agent, solicitor, or other representative shall charge or receive any fee, compensation, or consideration for insurance which is not included in the premium specified in the policy. However, any amount due with respect to gross receipts taxes may be stated separately in the policy or on an invoice for such policy. (c) Each violation of this section is a gross misdemeanor.
V.I. Code tit. 22, § 819 (2019)
2019 US Virgin Islands Code|Title 22 - Insurance|Chapter 33 - The Insurance Contract|§ 819. Policy must contain entire contract

 No agreement in conflict with, modifying, or extending any contract of insurance shall be valid unless in writing and made a part of the policy.
V.I. Code tit. 22, § 820 (2019)
2019 US Virgin Islands Code|Title 22 - Insurance|Chapter 33 - The Insurance Contract|§ 820. Limiting actions, jurisdiction

 (a) No insurance contract delivered or issued for delivery in this territory and covering subjects located, resident, or to be performed in this territory, shall contain any condition, stipulation, or agreement which— (1) requires it to be construed according to the laws of any other territory, state or country except as necessary to meet the requirements of the motor vehicle financial responsibility laws of such other territory, state or country; (2) deprives the courts of this territory of the jurisdiction of action against the insurer; or (3) limits right of action against the insurer to a period of less than one year from the time when the cause of action accrues in connection with all insurances other than property and marine and transportation insurances. In contracts of property insurance, or of marine and transportation insurance, such limitation shall not be to a period of less than one year from the date of the loss. (b) Any such condition, stipulation, or agreement in violation of this section shall be void, but such voiding shall not affect the validity of the other provisions of the contract.
V.I. Code tit. 22, § 821 (2019)
2019 US Virgin Islands Code|Title 22 - Insurance|Chapter 33 - The Insurance Contract|§ 821. Execution of policies

 (a) Every insurance contract shall be executed in the name of and on behalf of the insurer by its officer, employee, or representative duly authorized by the insurer. (b) A facsimile signature of any such executing officer, employee or representative may be used in lieu of an original signature. (c) 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 any individual not authorized so to execute as of the date of the policy, if the policy is countersigned with the original signature of an individual then so authorized to countersign.
V.I. Code tit. 22, § 822 (2019)
2019 US Virgin Islands Code|Title 22 - Insurance|Chapter 33 - The Insurance Contract|§ 822. Binders—Duration

 (a) A “binder” is used to bind insurance temporarily pending the issuance of the policy. Upon the sale of an insurance policy, a binder shall be issued immediately to the insured. No binder shall be valid beyond the issuance of the policy as to which it was given, or beyond 90 days from its effective date, whichever period is the shorter. (b) If the policy has not been issued a binder may be extended or renewed beyond such 90 days upon the Commissioner's written approval, or in accordance with such rules and regulations relative thereto as the Commissioner may promulgate.
V.I. Code tit. 22, § 823 (2019)
2019 US Virgin Islands Code|Title 22 - Insurance|Chapter 33 - The Insurance Contract|§ 823. —Agent's liability

 (a) The Commissioner may suspend or revoke the license of any agent issuing or purporting to issue any binder as to any insurer named therein as to which he is not then authorized so to bind. (b) In addition to any penalties which may be imposed by the Commissioner, any agent who issues a false, fraudulent, counterfeit or otherwise invalid binder shall be fined, for each binder issued, not less than $500.00 nor more than $2,000.00, and may be imprisoned not more than two (2) years.
V.I. Code tit. 22, § 824 (2019)
2019 US Virgin Islands Code|Title 22 - Insurance|Chapter 33 - The Insurance Contract|§ 824. Underwriters' and combination policies

 (a) Two or more authorized insurers may jointly issue, and shall be jointly and severally liable on, an underwriter's policy bearing their names. Any one insurer may issue policies in the name of an underwriter's department and such policies shall plainly show the true name of the insurer. (b) Two or more authorized insurers may, with the Commissioner's approval, issue a combination policy which shall contain provisions substantially as follows: (1) 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 (2) 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. (c) This section shall not apply to co-surety obligations.
V.I. Code tit. 22, § 825 (2019)
2019 US Virgin Islands Code|Title 22 - Insurance|Chapter 33 - The Insurance Contract|§ 825. Delivery of policy

 (a) Subject to the insurer's requirements as to payment of premium, every policy shall be delivered to the insured or to the person entitled thereto within a reasonable period of time after its issuance, but a policy of automobile or homeowners insurance shall be issued not more than 90 days after the payment of the premium. (b) 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 or aircraft, and in which policy any interest of the vendee, mortgagor, or pledgor in or with reference to such vehicle or aircraft is insured, a duplicate of such policy, or memorandum thereof setting forth the type of coverage, limits of liability, premiums for the respective coverages, and duration of the policy, 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, a conspicuous statement of such fact shall be printed, written, or stamped on the face of such duplicate policy or memorandum.
V.I. Code tit. 22, § 826 (2019)
2019 US Virgin Islands Code|Title 22 - Insurance|Chapter 33 - The Insurance Contract|§ 826. Renewal of policy

 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 a certificate or by endorsement of the policy, and without requiring the issuance of a new policy.
V.I. Code tit. 22, § 827 (2019)
2019 US Virgin Islands Code|Title 22 - Insurance|Chapter 33 - The Insurance Contract|§ 827. Cancellation by insurer

 (a) Cancellation by the insurer of any policy which by its terms is cancellable at the option of the insurer, or of any binder based on such policy, may be effected as to any interest only upon compliance with the following: (1) written notice of such cancellation must be actually delivered or mailed by certified mail to the insured or to his representative in charge of the subject of the insurance (i) not less than fifteen days prior to the effective date of cancellation resulting from— (A) non-payment of premium; (B) discovery of fraud or material misrepresentation in obtaining the policy or in the presentation of a claim thereunder; or (C) suspension or revocation during the required policy period of the driver's license of the named insured or any other person who customarily operates the automobile insured under the policy; and (ii) not less than thirty days prior to the effective date of cancellation for any other cancellable terms of the policy as well as nonrenewal thereof; and (2) like notice must also be so delivered or mailed by certified mail to each mortgagee, pledgee, or other person shown by the policy to have an interest in any loss which may occur thereunder. (b) The mailing of any such notice shall be effected by certified mail by depositing it in a sealed envelope, directed to the addressee at his last address as known to the insurer or as shown by the insurer's records, with proper prepaid postage affixed, in a letter depository of the United States post office. The insurer shall retain in its records any such item so mailed together with its envelope, which was returned by the post office upon failure to find, or deliver the mailing, to the addressee. (c) The certificate of service signed by the insured or his representative or the envelope returned by the Post Office upon failure to find or deliver the mailing to the addressee shall constitute prima facie evidence of such facts of the mailing. (d) The portion of any premium paid to the insurer on account of the policy, unearned because of the cancellation and in an amount as computed on the pro rata basis, must be actually paid to the insured or other person entitled thereto as shown by the policy or by any endorsement thereon, or be mailed to the insured or such person within thirty days following such cancellation. Any such payment may be made by cash, or by check, bank draft, or money order. (e) This section shall not apply to contracts of life or disability insurance without provision for cancellation prior to the date to which premiums have been paid.
V.I. Code tit. 22, § 828 (2019)
2019 US Virgin Islands Code|Title 22 - Insurance|Chapter 33 - The Insurance Contract|§ 828. Cancellation by insured

 (a) Cancellation by the insured of any policy which by its terms is cancellable at the insured's option or of any binder based on such policy may be effected by written notice thereof to the insurer and surrender of the policy or binder for cancellation prior to or on the effective date of such cancellation. In event the policy or binder has been lost or destroyed and cannot be so surrendered, the insurer may in lieu of such surrender accept and in good faith rely upon the insured's written statement setting forth the fact of such loss or destruction. (b) As soon as practicable following such cancellation the insurer shall pay to the insured or to the person entitled thereto as shown by the insurer's records, any unearned portion of any premium paid on the policy as computed on the customary short rate or as otherwise specified in the policy. If no premium has been paid on the policy, the insured shall be liable to the insurer for premium for the period during which the policy was in force. (c) The surrender of a policy to the insurer for any cause by any person named therein as having an interest insured thereunder shall create a presumption that such surrender is concurred in by all persons so named. (d) This section shall not apply to life insurance policies or to annuity contracts.
V.I. Code tit. 22, § 829 (2019)
2019 US Virgin Islands Code|Title 22 - Insurance|Chapter 33 - The Insurance Contract|§ 829. Cancellation by Commissioner

 The Commissioner may order the immediate cancellation of any policy the procuring or effectuation of which was accomplished through or accompanied by a violation of this title, except in cases where the policy by its terms is not cancellable by the insurer and the insured did not knowingly participate in any such violation.
V.I. Code tit. 22, § 830 (2019)
2019 US Virgin Islands Code|Title 22 - Insurance|Chapter 33 - The Insurance Contract|§ 830. Annulment of liability policies

 No insurance contract insuring against loss or damage through legal liability for the bodily injury or death by accident of any individual, or for damage to the property of any person, shall be retroactively annulled by any agreement between the insurer and insured after the occurrence of any such injury, death, or damage for which the insured may be liable, and any such annulment attempted shall be void.
V.I. Code tit. 22, § 831 (2019)
2019 US Virgin Islands Code|Title 22 - Insurance|Chapter 33 - The Insurance Contract|§ 831. Dividends payable to real party in interest

 (a) Every insurer issuing participating policies shall pay dividends, unused premiums refunds or savings distributed on account of any such policy, only to the real party in interest entitled thereto as shown by the insurer's records, or to any person to whom the right thereto has been assigned in writing of record with the insurer, or given in the policy by such real party in interest. (b) Any person who is shown by the insurer's records to have paid for his own account, or to have been ultimately charged for, the premium for insurance provided by a policy in which another person is the nominal insured shall be deemed such real party in interest proportionate to premium so paid or so charged. This subsection shall not apply as to any such dividend, refund, or distribution which would amount to less than one dollar. (c) This section shall not apply to contracts of group life insurance, group annuities, or group disability insurance.
V.I. Code tit. 22, § 832 (2019)
2019 US Virgin Islands Code|Title 22 - Insurance|Chapter 33 - The Insurance Contract|§ 832. Breach of warranty prior to loss; effect

 If any breach of a warranty or condition in any insurance contract occurs prior to a loss under the contract, such breach shall not avoid the contract nor avail the insurer to avoid liability, unless the breach exists at the time of loss.
V.I. Code tit. 22, § 833 (2019)
2019 US Virgin Islands Code|Title 22 - Insurance|Chapter 33 - The Insurance Contract|§ 833. Assignment of policies; life and disability

 Subject to the terms of the policy relating to its assignment, life insurance policies, other than industrial or group life insurance policies, and disability policies providing benefits for accidental death, whether such policies were heretofore or are hereafter issued, and under the terms of which the beneficiary may be changed upon the sole request of the insured, may be assigned either by pledge or transfer of title, by an assignment executed by the insured alone and delivered to the insurer, whether or not the pledgee or assignee is the insurer. Industrial life insurance policies may be made assignable only to a bank or trust company. 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 by or on behalf of some other person claiming some interest in the policy in conflict with the assignment.
V.I. Code tit. 22, § 833a (2019)
2019 US Virgin Islands Code|Title 22 - Insurance|Chapter 33 - The Insurance Contract|§ 833a. Assignability of insurance payments

 Whenever, in any health insurance claim form, an insured specifically authorizes payment of benefits directly to any recognized hospital, licensed ambulance provider, physician, dentist, or other person who provided the services in accordance with the provisions of the policy, the insurer shall make such payment to the designated provider of such services. The insurance contract may not prohibit, and claims forms must provide an option for the payment of benefits directly to a licensed hospital, licensed ambulance provider, physician, or dentist, or other person who provided the services in accordance with the provisions of the policy for care provided. The insurer may require written attestation of assignment of benefits. Payment to the provider from the insurer may not be more than the amount that the insurer would otherwise have paid without the assignment.
V.I. Code tit. 22, § 834 (2019)
2019 US Virgin Islands Code|Title 22 - Insurance|Chapter 33 - The Insurance Contract|§ 834. Payment discharges life and disability insurer

 Whenever the proceeds of, or payments under, a life or disability insurance policy, heretofore or hereafter issued, become payable and the insurer makes payment thereof in accordance with the terms of the policy, or in accordance with any written assignment thereof pursuant to section 833 of this title, the person then designated in the policy 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 payment shall fully discharge the insurer from all claims under the policy 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.