reglab/housing_qa huggingface dataset:
V.I. Code tit. 22, § 859 (2019)
2019 US Virgin Islands Code|Title 22 - Insurance|Chapter 35 - Disability Insurance|§ 859. —No. 5, notice of claim

 There shall be a provision as follows: “Notice of claim: Written notice of claim must be given to the insurer within twenty days after the occurrence or commencement of any loss covered by the policy, or as soon thereafter as is reasonably possible. Notice given by or on behalf of the insured or the beneficiary to the insurer at ____ (insert the location of such office as the insurer may designate for the purpose), or to any authorized agent of the insurer, with information sufficient to identify the insured, shall be deemed notice to the insurer.” (In a policy providing a loss-of-time benefit which may be payable for at least two years, an insurer may at its option insert the following between the first and second sentences of the above provision: “Subject to the qualifications set forth below, if the insured suffers loss of time on account of disability for which indemnity may be payable for at least two years, he shall at least once in every six months after having given notice of claim, give to the insurer notice of continuance of said disability, except in the event of legal incapacity. The period of six months following any filing of proof by the insured or any payment by the insurer on account of such claim or any denial of liability in whole or in part by the insurer shall be excluded in applying this provision. Delay in the giving of such notice shall not impair the insured's right to any indemnity which would otherwise have accrued during the period of six months preceding the date on which such notice is actually given.”)
V.I. Code tit. 22, § 860 (2019)
2019 US Virgin Islands Code|Title 22 - Insurance|Chapter 35 - Disability Insurance|§ 860. —No. 6, claim forms

 There shall be a provision as follows: “Claim forms: The insurer, upon receipt of a notice of claim, will furnish to the claimant such forms as are usually furnished by it for filing proofs of loss. If such forms are not furnished within fifteen days after the giving of such notice the claimant shall be deemed to have complied with the requirements of this policy as to proof of loss upon submitting, within the time fixed in the policy for filing proofs of loss written proof covering the occurrence, the character and the extent of the loss for which claim is made.”
V.I. Code tit. 22, § 861 (2019)
2019 US Virgin Islands Code|Title 22 - Insurance|Chapter 35 - Disability Insurance|§ 861. —No. 7, proofs of loss

 There shall be a provision as follows: “Proofs of loss: Written proof of loss must be furnished to the insurer at its said office in case of claim for loss for which this policy provides any periodic payment contingent upon continuing loss within ninety days after the termination of the period for which the insurer is liable and in case of claim for any other loss within ninety days after the date of such loss. Failure to furnish such proof within the time required shall not invalidate nor reduce any claim if it was not reasonably possible to give proof within such time, provided such proof is furnished as soon as reasonably possible and in no event, except in the absence of legal capacity, later than one year from the time proof is otherwise required.”
V.I. Code tit. 22, § 862 (2019)
2019 US Virgin Islands Code|Title 22 - Insurance|Chapter 35 - Disability Insurance|§ 862. —No. 8, time of payment of claims

 There shall be a provision as follows: “Time of payment of claims: Indemnities payable under this policy for any loss other than loss for which this policy provides any periodic payment will be paid immediately upon receipt of due written proof of such loss. Subject to due written proof of loss, all accrued indemnities for loss for which this policy provides periodic payment will be paid ____ (insert period for payment which must not be less frequently than monthly) and any balance remaining unpaid upon the termination of liability will be paid immediately upon receipt of due written proof.”
V.I. Code tit. 22, § 863 (2019)
2019 US Virgin Islands Code|Title 22 - Insurance|Chapter 35 - Disability Insurance|§ 863. —No. 9, payment of claims

 (a) There shall be a provision as follows: “Payment of claims: Indemnity for loss of life will be payable in accordance with the beneficiary designation and the provisions respecting such payment which may be prescribed herein and effective at the time of payment. If no such designation or provision is then effective, such indemnity shall be payable to the estate of the insured. Any other accrued indemnities unpaid at the insured's death may, at the option of the insurer, be paid either to such beneficiary or to such estate. All other indemnities will be payable to the insured.” (b) The following provisions, or either of them, may be included with the foregoing provision at the option of the insurer: (1) “If any indemnity of this policy shall be payable to the estate of the insured, or to an insured or beneficiary who is a minor or otherwise not competent to give a valid release, the insurer may pay such indemnity, up to an amount not exceeding $  ____(insert an amount which shall not exceed $1000), to any relative by blood or connection by marriage of the insured or beneficiary who is deemed by the insurer to be equitably entitled thereto. Any payment made by the insurer in good faith pursuant to this provision shall fully discharge the insurer to the extent of such payment.” (2) “Subject to any written direction of the insured in the application or otherwise all or a portion of any indemnities provided by this policy on account of hospital, nursing, medical, or surgical services may, at the insurer's option and unless the insured requests otherwise in writing not later than the time of filing proofs of such loss, be paid directly to the hospital or person rendering such services; but it is not required that the service be rendered by a particular hospital or person.”
V.I. Code tit. 22, § 864 (2019)
2019 US Virgin Islands Code|Title 22 - Insurance|Chapter 35 - Disability Insurance|§ 864. —No. 10, physical examination and autopsy

 There shall be a provision as follows: “Physical examinations and autopsy: The insurer at its own expense shall have the right and opportunity to examine the person of the insured when and as often as it may reasonably require during the pendency of a claim hereunder and to make an autopsy in case of death where it is not forbidden by law.”
V.I. Code tit. 22, § 865 (2019)
2019 US Virgin Islands Code|Title 22 - Insurance|Chapter 35 - Disability Insurance|§ 865. —No. 11, legal actions

 There shall be a provision as follows: “Legal actions: No action at law or in equity shall be brought to recover on this policy prior to the expiration of sixty days after written proof of loss has been furnished in accordance with the requirements of this policy. No such action shall be brought after the expiration of three years after the time written proof of loss is required to be furnished.”
V.I. Code tit. 22, § 866 (2019)
2019 US Virgin Islands Code|Title 22 - Insurance|Chapter 35 - Disability Insurance|§ 866. —No. 12, change of beneficiary

 There shall be a provision as follows: “Change of beneficiary: Unless the insured makes an irrevocable designation of beneficiary, the right to change of beneficiary is reserved to the insured and the consent of the beneficiary or beneficiaries shall not be requisite to surrender or assignment of this policy or to any change of beneficiary or beneficiaries, or to any other changes in this policy.” (The first clause of this provision, relating to the irrevocable designation of beneficiary, may be omitted at the insurer's option.)
V.I. Code tit. 22, § 867 (2019)
2019 US Virgin Islands Code|Title 22 - Insurance|Chapter 35 - Disability Insurance|§ 867. Optional standard provisions

 Except as provided in section 813 of this title, no such policy delivered or issued for delivery to any person in this territory shall contain provisions respecting the matters set forth in sections 868–878, inclusive, of this title, unless such provisions are in the words in which the same appear in the applicable section; except, that the insurer may, at its option, use in lieu of any such provision a corresponding provision of different wording approved by the Commissioner which is not less favorable in any respect to the insured or the beneficiary. Any such provision contained in the policy shall be preceded individually by the appropriate caption or, at the insurer's option, by such appropriate individual or group caption or subcaption as the Commissioner may approve.
V.I. Code tit. 22, § 868 (2019)
2019 US Virgin Islands Code|Title 22 - Insurance|Chapter 35 - Disability Insurance|§ 868. Optional standard provision No. 13, change of occupation

 There may be a provision as follows: “Change of occupation: If the insured be injured or contract sickness after having changed his occupation to one classified by the insurer as more hazardous than that stated in this policy or while doing for compensation anything pertaining to an occupation so classified, the insurer will pay only such portion of the indemnities provided in this policy as the premium paid would have purchased at the rates and within the limits fixed by the insurer for such more hazardous occupation. If the insured changes his occupation to one classified by the insurer as less hazardous than that stated in this policy, the insurer, upon receipt of proof of such change of occupation, will reduce the premium rate accordingly, and will return the excess pro rata unearned premium from the date of change of occupation or from the policy anniversary date immediately preceding receipt of such proof, whichever is the more recent. In applying this provision, the classification of occupational risk and the premium rates shall be such as have been last filed by the insurer prior to the occurrence of the loss for which the insurer is liable or prior to date of proof of change in occupation with the government official having supervision of insurance in the jurisdiction where the insured resided at the time this policy was issued; but if such filing was not required, then the classification of occupational risk and the premium rates shall be those last made effective by the insurer in such state prior to the occurrence of the loss or prior to the date of proof of change in occupation.”
V.I. Code tit. 22, § 869 (2019)
2019 US Virgin Islands Code|Title 22 - Insurance|Chapter 35 - Disability Insurance|§ 869. —No. 14, misstatement of age

 There may be a provision as follows: “Misstatement of age: If the age of the insured has been misstated, all amounts payable under this policy shall be such as the premium paid would have purchased at the correct age.”
V.I. Code tit. 22, § 870 (2019)
2019 US Virgin Islands Code|Title 22 - Insurance|Chapter 35 - Disability Insurance|§ 870. —No. 15, other insurance in this insurer

 There may be a provision as follows: (1) “Other insurance in this insurer: If an accident or sickness or accident and sickness policy or policies previously issued by the insurer to the insured be in force concurrently herewith, making the aggregate indemnity for ____ (insert type of coverage or coverages) in excess of $   ____ (insert maximum limit of indemnity or indemnities) the excess insurance shall be void and all premiums paid for such excess shall be returned to the insured or to his estate.”; (2) Or, in lieu thereof, under the same caption: “Insurance effective at any one time on the insured under a like policy or policies in this insurer is limited to the one such policy elected by the insured, his beneficiary or his estate, as the case may be, and the insurer will return all premiums paid for all other such policies.”
V.I. Code tit. 22, § 871 (2019)
2019 US Virgin Islands Code|Title 22 - Insurance|Chapter 35 - Disability Insurance|§ 871. —No. 16, insurance with other insurers (provision of service or expense incurred basis)

 (a) There may be a provision as follows: “Insurance with other insurers: If there be other valid coverage, not with this insurer, providing benefits for the same loss on a provision of service basis or on an expense incurred basis and of which this insurer has not been given written notice prior to the occurrence or commencement of loss, the only liability under any expense incurred coverage of this policy shall be for such proportion of the loss as the amount which would otherwise have been payable hereunder plus the total of the like amounts under all such other valid coverages for the same loss of which this insurer had notice bears to the total like amounts under all valid coverages for such loss, and for the return of such portion of the premiums paid as shall exceed the pro rata portion for the amount so determined. For the purpose of applying this provision when other coverage is on a provision of service basis, the ‘like amount’ of such other coverage shall be taken as the amount which the services rendered would have cost in the absence of such coverage.” (b) If the foregoing policy provision is included in a policy which also contains the policy provision set out in section 872 of this title, there shall be added to the caption of the foregoing provision the phrase “____ expense incurred benefits.” The insurer may, at its option, include in this provision a definition of “other valid coverage,” approved as to form by the Commissioner, which definition shall be limited in subject matter to coverage provided by organizations subject to regulation by insurance law or by insurance authorities of this territory or any state of the United States or any province of Canada, and by hospital or medical service organizations, and to any other coverage the inclusion of which may be approved by the Commissioner. In the absence of such definition such term shall not include group insurance, automobile medical payments insurance, or coverage provided by hospital or medical service organizations or by union welfare plans or employer or employee benefit organizations. For the purpose of applying the foregoing policy provision with respect to any insured, any amount of benefit provided for such insured pursuant to any compulsory benefit statute (including any Workers' Compensation Administration or employer's liability statute) whether provided by a governmental agency or otherwise shall in all cases be deemed to be “other valid coverage” of which the insurer has had notice. In applying the foregoing policy provision no third party liability coverage shall be included as “other valid coverage.”
V.I. Code tit. 22, § 872 (2019)
2019 US Virgin Islands Code|Title 22 - Insurance|Chapter 35 - Disability Insurance|§ 872. —No. 17, insurance with other insurers

 (a) There may be a provision as follows: “Insurance with other insurers: If there be other valid coverage, not with this insurer, providing benefits for the same loss on other than an expense incurred basis and of which this insurer has not been given written notice prior to the occurrence or commencement of loss, the only liability for such benefits under this policy shall be for such proportion of the indemnities otherwise provided hereunder for such loss as the like indemnities of which the insurer had notice (including the indemnities under this policy) bear to the total amount of all like indemnities for such loss, and for the return of such portion of the premium paid as shall exceed the pro rata portion for the indemnities thus determined.” (b) If the foregoing policy provision is included in a policy which also contains the policy provision set out in section 871 of this title, there shall be added to the caption of the foregoing provision the phrase “____ other benefits.” The insurer may, at its option, include in the provision a definition of “other valid coverage,” approved as to form by the Commissioner, which definition shall be limited in subject matter to coverage provided by organizations subject to regulation by insurance law or by insurance authorities in this territory or any other state of the United States or any province of Canada, and to any other coverage the inclusion of which may be approved by the Commissioner. In the absence of such definition such term shall not include group insurance, or benefits provided by union welfare plans or by employer or employee benefit organizations. For the purpose of applying the foregoing policy provision with respect to any insured, any amount of benefit provided for such insured pursuant to any compulsory benefit statute (including any Workers' Compensation Administration or employer's liability statute) whether provided by a governmental agency or otherwise shall in all cases be deemed to be “other valid coverage” of which the insurer has had notice. In applying the foregoing policy provision no third party liability coverage shall be included as “other valid coverage.”
V.I. Code tit. 22, § 873 (2019)
2019 US Virgin Islands Code|Title 22 - Insurance|Chapter 35 - Disability Insurance|§ 873. —No. 18, relation of earnings to insurance

 (a) There may be a provision as follows: “Relation of earnings to insurance: If the total monthly amount of loss of time benefits promised for the same loss under all valid loss of time coverage upon the insured, whether payable on a weekly or monthly basis, shall exceed the monthly earnings of the insured at the time disability commenced or his average monthly earnings for the period of two years immediately preceding a disability for which claim is made, whichever is the greater, the insurer will be liable only for such proportionate amount of such benefits under this policy as the amount of such monthly earnings of the insured bears to the total amount of monthly benefits for the same loss under all such coverage upon the insured at the time such disability commences and for the return of such part of the premiums paid during such two years as shall exceed the pro rata amount of the premiums for the benefits actually paid hereunder; but this shall not operate to reduce the total monthly amount of benefits payable under all such coverage upon the insured below the sum of two hundred dollars or the sum of the monthly benefits specified in such coverages, whichever is the lesser, nor shall it operate to reduce benefits other than those payable for loss of time.” (b) The foregoing policy provision may be inserted only in a policy which the insured has the right to continue in force subject to its terms by the timely payment of premiums (i) until at least age 50 or, (ii) in the case of a policy issued after age 44, for at least five years from its date of issue. The insurer may, at its option, include in the provision a definition of “valid loss of time coverage,” approved as to form by the Commissioner, which definition shall be limited in subject matter to coverage provided by governmental agencies or by organizations subject to regulation by insurance law or by insurance authorities of this territory or any state of the United States or any province of Canada, or to any other coverage the inclusion of which may be approved by the Commissioner or any combination of such coverages. In the absence of such definition such term shall not include any coverage provided for such insured pursuant to any compulsory benefit statute (including any Workers' Compensation Administration or employer's liability statute), or benefits provided by union welfare plans or by employer or employee benefit organizations.
V.I. Code tit. 22, § 874 (2019)
2019 US Virgin Islands Code|Title 22 - Insurance|Chapter 35 - Disability Insurance|§ 874. —No. 19, unpaid premium

 There may be a provision as follows: “Unpaid premium: Upon the payment of a claim under this policy, any premium then due and unpaid or covered by any note or written order may be deducted therefrom.”
V.I. Code tit. 22, § 875 (2019)
2019 US Virgin Islands Code|Title 22 - Insurance|Chapter 35 - Disability Insurance|§ 875. —No. 20, cancellation

 There may be a provision as follows: “Cancellation: The insurer may cancel this policy at any time by written notice delivered to the insured, or mailed to his last address as shown by the records of the insurer, stating when, not less than five days thereafter, such cancellation shall be effective; and after the policy has been continued beyond its original term the insured may cancel this policy at any time by written notice delivered or mailed to the insurer, effective upon receipt or on such later date as may be specified in such notice. In the event of cancellation, the insurer will return promptly the unearned portion of any premium paid. If the insured cancels, the earned premium shall be computed by the use of short-rate table last filed with the government official having supervision of insurance in the territory or state where the insured resided when the policy was issued. If the insurer cancels, the earned premium shall be computed pro rata. Cancellation shall be without prejudice to any claim originating prior to the effective date of cancellation.”
V.I. Code tit. 22, § 876 (2019)
2019 US Virgin Islands Code|Title 22 - Insurance|Chapter 35 - Disability Insurance|§ 876. —No. 21, conformity with statutes

 There may be a provision as follows: “Conformity with statutes: Any provision of this policy which, on its effective date, is in conflict with the statutes of the territory or state in which the insured resides on such date is hereby amended to conform to the minimum requirements of such statutes.”
V.I. Code tit. 22, § 877 (2019)
2019 US Virgin Islands Code|Title 22 - Insurance|Chapter 35 - Disability Insurance|§ 877. —No. 22, illegal occupation

 There may be a provision as follows: “Illegal occupation: The insurer shall not be liable for any loss to which a contributing cause was the insured's commission of or attempt to commit a felony or to which a contributing cause was the insured's being engaged in an illegal occupation.”
V.I. Code tit. 22, § 878 (2019)
2019 US Virgin Islands Code|Title 22 - Insurance|Chapter 35 - Disability Insurance|§ 878. —No. 23, intoxicants and narcotics

 There may be a provision as follows: “Intoxicants and narcotics: The insurer shall not be liable for any loss sustained or contracted in consequence of the insured's being intoxicated or under the influence of any narcotic unless administered on the advice of a physician.”
V.I. Code tit. 22, § 879 (2019)
2019 US Virgin Islands Code|Title 22 - Insurance|Chapter 35 - Disability Insurance|§ 879. Order of certain policy provisions

 The provisions which are the subject of sections 855–878, inclusive, of this title, or any corresponding provisions which are used in lieu thereof in accordance with such sections, shall be printed in the consecutive order of the provisions in such sections or, at the insurer's option, any such provision may appear as a unit in any part of the policy, with other provisions to which it may be logically related, provided the resulting policy shall not be in whole or in part unintelligible, uncertain, ambiguous, abstruse, or likely to mislead a person to whom the policy is offered, delivered or issued.
V.I. Code tit. 22, § 880 (2019)
2019 US Virgin Islands Code|Title 22 - Insurance|Chapter 35 - Disability Insurance|§ 880. Third party ownership

 The word “insured,” as used in this chapter, shall not be construed as preventing a person other than the insured with a proper insurable interest from making application for and owning a policy covering the insured or from being entitled under such a policy to any indemnities, benefits and rights provided therein.