reglab/housing_qa huggingface dataset:
HI Rev Stat § 431:10D-653 (2021)
2021 Hawaii Revised Statutes|Title 24. Insurance|431. Insurance Code|431:10D-653 Definitions.

  §431:10D-653 Definitions. As used in this part, the following definitions apply:  "Contract" means an annuity contract; provided that the term "contract" shall not include an annuity used to fund an employment-based retirement plan or program where:  (1) The insurer does not perform the record keeping services; or  (2) The insurer is not committed by terms of the annuity contract to pay death benefits to the beneficiaries of specific plan participants.  "Death master file" means the United States Social Security Administration's death master file or any other database or service that is at least as comprehensive as the United States Social Security Administration's death master file for determining that a person has reportedly died.  "Death master file match" means a search of the death master file that results in a match of the social security number or the name and date of birth of an insured, annuity owner, or retained asset account holder.  "Knowledge of death" means:  (1) Receipt of an original or valid copy of a certified death certificate; or  (2) A death master file match validated by the insurer in accordance with section 431:10D-654(a)(1)(A).  "Policy" means any policy or certificate of life insurance that provides a death benefit; provided that the term "policy" shall not include:  (1) Any policy or certificate of life insurance that provides a death benefit under an employee benefit plan:  (A) Subject to the federal Employee Retirement Income Security Act of 1974 (29 U.S.C. 1001, et. seq.), as periodically amended; or  (B) Under any federal employee benefit program;  (2) Any policy or certificate of life insurance that is used to fund a pre-need funeral contract or prearrangement;  (3) Any policy or certificate of credit life or accidental death insurance; or  (4) Any policy issued to a group master policyholder for which the insurer does not provide record keeping services.  "Record keeping services" means those circumstances under which the insurer has agreed with a group policy or contract customer to be responsible for obtaining, maintaining, and administering in its own or its agents' systems information about each individual insured under an insured's group insurance contract, or a line of coverage thereunder, at least the following information:  (1) Social security number or name and date of birth;  (2) Beneficiary designation information;  (3) Coverage eligibility;  (4) Benefit amount; and  (5) Premium payment status.  "Retained asset account" means any mechanism whereby the settlement of proceeds payable under a policy or contract is accomplished by the insurer or an entity acting on behalf of the insurer depositing the proceeds into an account with check or draft writing privileges, where those proceeds are retained by the insurer or its agent, pursuant to a supplementary contract not involving annuity benefits other than death benefits. [L 2018, c 202, pt of §1]
HI Rev Stat § 431:10E-101 (2021)
2021 Hawaii Revised Statutes|Title 24. Insurance|431. Insurance Code|431:10E-101 Insurable interest in property required.

Note Sections 431:10E-101 to 431:10E-103 designated as Part I by L 2012, c 80, §2.   §431:10E-101 Insurable interest in property required. No contract of insurance on property or of any interest therein or arising therefrom shall be enforceable except for the benefit of persons having an insurable interest in the property insured. Insurable interest means any lawful and substantial economic interest in the safety or preservation of the subject of the insurance free from loss, destruction, or pecuniary damage. [L 1987, c 347, pt of §2]
HI Rev Stat § 431:10E-102 (2021)
2021 Hawaii Revised Statutes|Title 24. Insurance|431. Insurance Code|431:10E-102 Over-insurance prohibited; exceptions.

  §431:10E-102 Over-insurance prohibited; exceptions. (a) Over-insurance shall be deemed to exist if property or an insurable interest in the property is insured by one or more insurance contracts against the same hazard in any amount in excess of the actual cash value of the property or of such interest, as determined as of the effective date of the insurance or of any renewal thereof.  (b) For the purposes of this section only, the term actual cash value means the cost of replacement less such depreciation as is properly applicable to the subject insured.  (c) No person shall knowingly sell, solicit, negotiate, or make any contract for insurance which would result in over-insurance of the property or interest therein proposed to be insured, except as is provided in section 431:10E-103.  (d) Each violation of this section shall subject the violator to the penalties provided by this code. [L 1987, c 347, pt of §2; am L 2002, c 155, §74]
HI Rev Stat § 431:10E-103 (2021)
2021 Hawaii Revised Statutes|Title 24. Insurance|431. Insurance Code|431:10E-103 Exceptions.

  §431:10E-103 Exceptions. Section 431:10E-102 does not apply to:  (1) Insurance on buildings and building service equipment pertaining thereto and part thereof, and machinery, tools, and other equipment appurtenant to or used in connection with any trade, business, manufacturing process, governmental operations, or public and private institutions, and household furniture and furnishings in dwelling houses, with respect to the difference between the actual value of the insured property at the time any loss or damage occurs and the cost of repairing, rebuilding, or replacing with new materials of like size, kind and quality, such property as has been damaged or destroyed by fire or other peril insured against.  (2) Insurance against the cost of demolition or reconstruction, or both, of any portion of the insured premises which has not suffered damage, and the additional cost of repair or reconstruction, or both, of portions of the insured premises which have suffered damage, necessary to comply with applicable laws or ordinances. [L 1987, c 347, pt of §2]
HI Rev Stat § 431:10E-121 (2021)
2021 Hawaii Revised Statutes|Title 24. Insurance|431. Insurance Code|431:10E-121 Purpose.

  §431:10E-121 Purpose. The purpose of this part is to regulate the use of claims history information for homeowners insurance and provide certain consumer protections with respect to the use of this information. [L 2012, c 80 pt of §1]
HI Rev Stat § 431:10E-122 (2021)
2021 Hawaii Revised Statutes|Title 24. Insurance|431. Insurance Code|431:10E-122 Scope; effective dates.

  §431:10E-122 Scope; effective dates. This part shall apply to all homeowners insurance policies delivered or issued for delivery in this State after July 31, 2012. [L 2012, c 80, pt of §1]
HI Rev Stat § 431:10E-123 (2021)
2021 Hawaii Revised Statutes|Title 24. Insurance|431. Insurance Code|431:10E-123 Definitions.

  §431:10E-123 Definitions. As used in this part, "inquiry" means a telephone call or other communication made to an insurer regarding the terms, conditions, or coverage afforded under an insurance policy that does not result in a claim, including questions concerning whether a policy will cover a loss or the process for filing a claim. The term shall not constitute a claim for purposes of section 431:13-103(a)(11). [L 2012, c 80, pt of §1]
HI Rev Stat § 431:10E-124 (2021)
2021 Hawaii Revised Statutes|Title 24. Insurance|431. Insurance Code|431:10E-124 Use of inquiries and other information.

  §431:10E-124 Use of inquiries and other information. An insurer shall not refuse to issue, refuse to renew, or cancel a homeowners insurance policy, or establish rates for coverage based in whole or in part on inquiries made by any consumer to an insurer, unless the inquiry provides information not previously disclosed by the insured. [L 2012, c 80, pt of §1]
HI Rev Stat § 431:10E-141 (2021)
2021 Hawaii Revised Statutes|Title 24. Insurance|431. Insurance Code|431:10E-141 Lava zone defined.

Revision Note Part heading added by revisor pursuant to §23G-15.  §431:10E-141 Lava zone defined. As used in this article, "lava zone" means a volcanic hazard zone identified by the United States Geological Survey on the island of Hawaii. [L 2015, c 32, pt of §2]
HI Rev Stat § 431:10E-142 (2021)
2021 Hawaii Revised Statutes|Title 24. Insurance|431. Insurance Code|431:10E-142 Provisions for properties in lava zones in the county of Hawaii.

  §431:10E-142 Provisions for properties in lava zones in the county of Hawaii. (a) Where the mayor of the county of Hawaii has issued a proclamation declaring the existence of a state of emergency due to the threat of imminent disaster from a lava flow in a lava zone, the total number (rounded to the nearest whole number) of property insurance policies that an insurer may non-renew in a lava zone shall be limited for each calendar year to five per cent of the total number of covered policies of the insurer in force in that lava zone.  (b) Notwithstanding subsection (a), an insurer may cancel or non-renew a property insurance policy where:  (1) Premium payments for the policy are not made after reasonable demand therefor; or  (2) The commissioner determines the financial soundness of the insurer would be impaired. [L 2015, c 32, pt of §2] Cross References  Hawaii property insurance association, issuance of new policies on properties in lava zones, see §431:21-119.
HI Rev Stat § 431:10E-151 (2021)
2021 Hawaii Revised Statutes|Title 24. Insurance|431. Insurance Code|431:10E-151 Notice requirement.

 §431:10E-151 Notice requirement. Thirteen months prior to discontinuation of writing property insurance coverage, an insurer shall file an affidavit with the commissioner stating the reasons for the discontinuation. [L 2016, c 141, pt of §1]
HI Rev Stat § 431:10E-152 (2021)
2021 Hawaii Revised Statutes|Title 24. Insurance|431. Insurance Code|431:10E-152 Extended coverage.

  §431:10E-152 Extended coverage. Insurers seeking to provide multi-peril coverage for residential property after July 1, 2016, shall submit to the commissioner a written request for permission to write the coverage. The commissioner may disapprove the request. If the request is disapproved, the insurer shall not write the coverage. [L 2016, c 141, pt of §1]
HI Rev Stat § 431:10F-101 (2021)
2021 Hawaii Revised Statutes|Title 24. Insurance|431. Insurance Code|431:10F-101 Requirements deemed met by surety insurer.

Cross References Bail agents; sureties, see article 9N.  §431:10F-101 Requirements deemed met by surety insurer. Whenever by law or by rule of any court, public official, or public body, a surety bond is required or is permitted to be given, provided the bond is otherwise proper and its conditions are guaranteed by an authorized surety insurer or by an unauthorized surety insurer pursuant to article 8, part II, the bond shall be approved and accepted and shall be deemed to fulfill all requirements as to number of sureties, residence or status of sureties, and other similar requirements, and no justification by the surety shall be necessary. For the purpose of this section, surety bond shall also include a recognizance, obligation, stipulation or undertaking. [L 1987, c 347, pt of §2]
HI Rev Stat § 431:10F-102 (2021)
2021 Hawaii Revised Statutes|Title 24. Insurance|431. Insurance Code|431:10F-102 Fiduciary bonds, expense.

  §431:10F-102 Fiduciary bonds, expense. Any fiduciary required by law to give bonds, may include, as part of the fiduciary's lawful expense to be allowed by the court or official by whom the fiduciary was appointed, the reasonable amount paid as premium for the bonds to the surety insurer who issued or guaranteed the bonds. [L 1987, c 347, pt of §2]
HI Rev Stat § 431:10F-103 (2021)
2021 Hawaii Revised Statutes|Title 24. Insurance|431. Insurance Code|431:10F-103 Court bonds, costs.

  §431:10F-103 Court bonds, costs. In any proceeding, the party entitled to recover costs may include in the costs such reasonable sum as was paid to the surety insurer as premium for any bond or undertaking required therein, and as may be allowed by the court having jurisdiction of the proceeding. [L 1987, c 347, pt of §2]
HI Rev Stat § 431:10F-104 (2021)
2021 Hawaii Revised Statutes|Title 24. Insurance|431. Insurance Code|431:10F-104 Release from liability.

  §431:10F-104 Release from liability. A surety insurer may be released from its liability on the same terms and conditions as are provided by law for the release of individuals as sureties. [L 1987, c 347, pt of §2]
HI Rev Stat § 431:10F-105 (2021)
2021 Hawaii Revised Statutes|Title 24. Insurance|431. Insurance Code|431:10F-105 Directed suretyship; coercion of contractors.

  §431:10F-105 Directed suretyship; coercion of contractors. (a) No person may require as a condition precedent to the granting, awarding, or issuing a contract for the construction or renovation of improvements to real property, that the person whose obligation under such contract is to provide, construct, or renovate improvements to real property is to acquire or negotiate a surety bond or other contract guaranteeing completion of such improvements through a particular surety insurer or group of surety insurers, or a particular producer or group of producers.  (b) The commissioner may examine and investigate the insurance related activities of any person whom the commissioner believes may be in violation of this section. Any person may submit to the commissioner a complaint or any material pertinent to the enforcement of this section.  (c) Nothing in this section shall prevent a person who grants, awards, or issues contracts for the construction or renovation of improvements to real property from requiring a person to acquire or negotiate a surety bond or other contract guaranteeing completion of the improvements through authorized surety insurers or producers licensed to do business in the State or both. [L 2007, c 251, §1]
HI Rev Stat § 431:10G-101 (2021)
2021 Hawaii Revised Statutes|Title 24. Insurance|431. Insurance Code|431:10G-101 Definitions.

Case Notes The plain language of this chapter as well as its legislative history disqualified plaintiff, who was injured by someone operating a motorcycle, from no-fault benefits. 91 H. 299 (App.), 983 P.2d 200 (1999). PART I. GENERAL PROVISIONS  §431:10G-101 Definitions. As used in this article:  "Accidental harm" means bodily injury, death, sickness, or disease caused by a motorcycle or motor scooter accident to a person.  "Injury" means accidental harm not resulting in death.  "Motorcycle" has the meaning prescribed by section 286-2.  "Motorcycle accident" means an accident arising out of the operation, maintenance, or use of a motorcycle, but not involving a motor vehicle.  "Motor scooter" has the meaning prescribed by section 286-2.  "Motor scooter accident" means an accident arising out of the operation, maintenance, or use of a motor scooter, but not involving a motor vehicle.  "Owner" means a person who holds the legal title to a motorcycle or motor scooter; except that when a motorcycle or motor scooter is the subject of a security agreement or lease with a term of not less than one year, with the debtor or lessee having the right of possession, the term owner shall mean the debtor or lessee. Whenever transfer of title to a motorcycle or motor scooter occurs, the seller shall be considered the owner until delivery of the executed title to the buyer. Upon delivery of the executed title, the buyer holding the equitable title shall be considered the owner.  "Person" means, when appropriate to the context, not only individuals, but corporations, firms, associations, and societies. [L 1989, c 208, pt of §1]
HI Rev Stat § 431:10G-102 (2021)
2021 Hawaii Revised Statutes|Title 24. Insurance|431. Insurance Code|431:10G-102 Conditions of operation and registration of motorcycles and motor scooters.

  §431:10G-102 Conditions of operation and registration of motorcycles and motor scooters. No person shall drive a motorcycle or motor scooter upon any public street, road, or highway of this State at any time unless such motorcycle or motor scooter is insured at all times under a liability policy as provided in section 431:10G-301; provided that this article shall not apply to any antique motorcycle or motor scooter as defined in section 249-1. [L 1989, c 208, pt of §1; am L 1996, c 56, §3]
HI Rev Stat § 431:10G-103 (2021)
2021 Hawaii Revised Statutes|Title 24. Insurance|431. Insurance Code|431:10G-103 Motorcycle or motor scooter self-insurance.

  §431:10G-103 Motorcycle or motor scooter self-insurance. The motorcycle or motor scooter insurance required by section 431:10G-102 may be satisfied by any owner of a motorcycle or motor scooter if:  (1) Such owner provides proof of qualifications as a self-insurer, and a surety bond or other securities affording security substantially equivalent to that afforded under a policy meeting the requirements of section 431:10G-301 and providing coverage at all times for the entire motorcycle or motor scooter registration period, as determined and approved by the commissioner under rules; and  (2) The commissioner is satisfied that in case of injury, death, or property damage, any claimant would have the same rights against such owner as the claimant would have had if a policy meeting the requirements of section 431:10G-301 had been applicable to such motorcycle or motor scooter. [L 1989, c 208, pt of §1]
HI Rev Stat § 431:10G-104 (2021)
2021 Hawaii Revised Statutes|Title 24. Insurance|431. Insurance Code|431:10G-104 Prerequisites for obtaining coverage.

  §431:10G-104 Prerequisites for obtaining coverage. (a) Any person seeking to obtain the liability coverage required by this part after June 7, 1989, shall first:  (1) Have obtained a valid motorcycle or motor scooter license; or  (2) Have obtained a valid motorcycle or motor scooter learner's permit and have taken and passed a motorcycle education course approved by the department of transportation.  (b) A temporary insurance binder covering a period of not more than ninety days may be issued to a person who has a valid motorcycle or motor scooter learner's permit. To obtain a temporary binder, a person shall submit proof to the insurer of the person's enrollment in an approved motorcycle education course. The temporary insurance binder shall be subject to cancellation should the person fail to take, complete, and pass the course for which proof was submitted to the insurer. [L 1989, c 208, pt of §1; am L 1990, c 241, §1; am L 1991, c 174, §1]
HI Rev Stat § 431:10G-105 (2021)
2021 Hawaii Revised Statutes|Title 24. Insurance|431. Insurance Code|431:10G-105 Tort liability.

  §431:10G-105 Tort liability. (a) With respect to accidental harm incurred in or arising out of a motorcycle accident or motor scooter accident, tort liability is not abolished.  (b) Any owner or operator of a motorcycle or motor scooter involved in a motor vehicle accident as defined in section 431:10C-103 and who incurs accidental harm as defined in section 431:10C-103, including such person's representative or legal guardian, shall have a cause of action in tort as provided in section 431:10C-306. [L 1989, c 208, pt of §1; am L 1997, c 251, §54]
HI Rev Stat § 431:10G-106 (2021)
2021 Hawaii Revised Statutes|Title 24. Insurance|431. Insurance Code|431:10G-106 Verification of insurance.

  §431:10G-106 Verification of insurance. Every insurer shall issue to each of its insureds a paper or electronic proof of insurance card for each motorcycle or motor scooter for which a liability policy under this article is written. The electronic proof of insurance card may be accessed directly through the licensed insurer's website, application, or database. The proof of insurance card shall show the following:  (1) Name, make, year, and factory or serial number of the motorcycle or motor scooter; provided that insurers of five or more motorcycles or motor scooters that are under common registered ownership and used in the regular course of business shall not be required to indicate the name, make, year, and the factory or serial number of each motorcycle or motor scooter;  (2) Policy number;  (3) Names of the insured and the insurer; and  (4) Effective dates of coverage including the expiration date. The proof of insurance card shall be carried on, or accessible on a mobile electronic device, as defined in section 291C-137, by the person operating the insured motorcycle or motor scooter at all times and shall be exhibited to a law enforcement officer upon demand. [L 1989, c 208, pt of §1; am L 2004, c 122, §59; am L 2016, c 82, §4]
HI Rev Stat § 431:10G-107 (2021)
2021 Hawaii Revised Statutes|Title 24. Insurance|431. Insurance Code|431:10G-107 Drivers education fund underwriters fee; motorcycle and motor scooter operators education fund.

  §431:10G-107 Drivers education fund underwriters fee; motorcycle and motor scooter operators education fund. (a) The commissioner shall assess and levy upon each insurer, and self-insurer, a drivers education fund underwriters fee of $2 a year on each motorcycle or motor scooter insured by each insurer or self-insurer. This fee shall be due and payable on an annual basis by means and at a time to be determined by the commissioner.  (b) There is created in the treasury of the State a special fund to be known as the motorcycle and motor scooter operators education fund. The commissioner shall deposit the fees collected under this section into the motorcycle and motor scooter operators education fund.  (c) The fees deposited for each fiscal year into the motorcycle and motor scooter operators education fund, when appropriated, shall be available to the department of transportation for the administration of a drivers education program for operators of motorcycles or motor scooters. The department of transportation may spend the amount collected from these fees for the purposes of this section. [L 1989, c 208, pt of §1; am L 1997, c 184, §1; am L 2002, c 121, §2]
HI Rev Stat § 431:10G-108 (2021)
2021 Hawaii Revised Statutes|Title 24. Insurance|431. Insurance Code|431:10G-108 Penalties.

  §431:10G-108 Penalties. Any person who violates this article shall be subject to a citation by the police and shall be subject to a nonsuspendable fine of not less than $100 nor more than $1,000, thirty days imprisonment, a one year driver's license suspension, or any combination thereof, for each violation.  Any person cited under this section shall have an opportunity to present a good faith defense, including but not limited to lack of knowledge or proof of insurance. The general penalty provision of this section shall not apply to:  (1) Any operator of a motorcycle or motor scooter owned by another person if the operator's own insurance covers such driving;  (2) Any operator of a motorcycle or motor scooter owned by that person's employer during the normal scope of that person's employment; or  (3) Any operator of a borrowed motorcycle or motor scooter if the operator holds a reasonable belief that the subject vehicle is insured. [L 1989, c 208, pt of §1; am L 2000, c 64, §1]
HI Rev Stat § 431:10G-109 (2021)
2021 Hawaii Revised Statutes|Title 24. Insurance|431. Insurance Code|431:10G-109 Rules.

  §431:10G-109 Rules. The commissioner may adopt rules pursuant to chapter 91 necessary for the purposes of this article. [L 1989, c 208, pt of §1]
HI Rev Stat § 431:10H-101 (2021)
2021 Hawaii Revised Statutes|Title 24. Insurance|431. Insurance Code|431:10H-101 Purpose.

Note See table at end of this Article for derivation of HRS sections from the National Association of Insurance Commissioners 1998 Model Act or Regulations. Cross References Long-term care financing, see chapter 346C. PART I. LONG-TERM CARE INSURANCE MODEL ACT  §431:10H-101 Purpose. The purpose of this article is to promote the public interest, to promote the availability of long-term care insurance policies, to protect applicants for long-term care insurance, as defined, from unfair or deceptive sales or enrollment practices, to establish standards for long-term care insurance, to facilitate public understanding and comparison of long-term care insurance policies, and to facilitate flexibility and innovation in the development of long-term care insurance coverage. [L 1999, c 93, pt of §2]