reglab/housing_qa huggingface dataset:
ID Code § 41-2215 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 22 - GROUP AND BLANKET DISABILITY INSURANCE|Section 41-2215 - POLICY STANDARDS — REPLACEMENT CONTRACTS.

41-2215. POLICY STANDARDS — REPLACEMENT CONTRACTS. (1) Any carrier providing replacement coverage with respect to hospital, medical or surgical expense benefits within a period of sixty (60) days from the date of discontinuance of a prior policy providing such hospital, medical or surgical expense benefits shall immediately cover all employees and dependents validly covered under the previous policy at the date of discontinuance who are within the definitions of eligibility and who would otherwise be eligible for coverage under the succeeding carrier’s policy, regardless of any limitations or exclusions relating to active employment or nonconfinement. (2) With respect to an employee or dependent who was totally disabled on the date of discontinuance of the prior carrier’s policy and required to be covered under subsection (1) of this section, the succeeding carrier shall be entitled to deduct from any benefits becoming payable under its policy the amount of benefits payable by the prior carrier pursuant to an extension of benefits provision. (3) An employee or dependent entitled to coverage under a succeeding carrier’s policy pursuant to subsection (1) or (2) of this section shall continue to be covered by the succeeding carrier until the earlier of the following: (a) The date coverage would terminate for an employee or dependent in accordance with the provisions of the succeeding carrier’s policy; or (b) In the case of an employee or dependent who was totally disabled on the date of discontinuance of the prior carrier’s policy and entitled to an extension of benefits pursuant to subsection (2) of section 41-2213, the date the period of extension of benefits terminates or, if the prior carrier’s policy is not subject to this act, the date to which benefits would have been extended had the prior carrier’s policy been subject to this act. (4) No provision in a succeeding carrier’s policy of replacement coverage which would operate to reduce or exclude benefits on the basis that the condition giving rise to benefits preexisted the effective date of the succeeding carrier’s policy shall be applied with respect to those employees and dependents validly insured under the prior carrier’s policy on the date of discontinuance, if benefits for such condition would have been payable under the prior carrier’s policy. (5) In a situation where a determination of the prior carrier’s benefit is required by the succeeding carrier, at the succeeding carrier’s request, the prior carrier shall furnish a statement of benefits available or pertinent information, sufficient to permit verification of the benefit determination by the succeeding carrier, at no cost.  History: [41-2215, added 1975, ch. 204, sec. 6, p. 565; am. 2003, ch. 307, sec. 1, p. 843.]
ID Code § 41-2216 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 22 - GROUP AND BLANKET DISABILITY INSURANCE|Section 41-2216 - COORDINATION OF BENEFITS — COORDINATION WITH SOCIAL SECURITY BENEFITS.

41-2216. COORDINATION OF BENEFITS — COORDINATION WITH SOCIAL SECURITY BENEFITS. (1) Under the authority of this section and section 41-2141, Idaho Code, the director shall promulgate rules that are in accordance with the model regulations of the national association of insurance commissioners relating to coordination of benefits provisions in group and individual disability insurance policies. This section shall apply to all policies of group disability insurance or coverage issued in this state pursuant to the provisions of chapters 22, 34, 39 and 47, title 41, Idaho Code. These rules shall establish uniformity in the permissive use of provisions governing the coordination of benefits between group disability policies and between group disability policies and individual disability policies in order to avoid claim delays and misunderstandings that otherwise result from the use of inconsistent or incompatible provisions. (2) Any provision contained in a policy of group or blanket disability insurance providing for a reduction of benefits payable under the policy during a policy benefit period due to an increase in benefits payable under the federal social security act, as amended, shall be null and void with respect to any such increase which occurs on or after the effective date of this act.  History: [41-2216, added 1978, ch. 10, sec. 2, p. 20; am. 1989, ch. 143, sec. 1, p. 348; am. 1997, ch. 319, sec. 2, p. 943.]
ID Code § 41-2217 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 22 - GROUP AND BLANKET DISABILITY INSURANCE|Section 41-2217 - SERVICES PROVIDED BY GOVERNMENTAL ENTITIES.

41-2217. SERVICES PROVIDED BY GOVERNMENTAL ENTITIES. (1) From and after July 1, 1990, no group or blanket disability insurance policy shall be issued in Idaho which excludes from coverage services rendered the insured while a resident in an Idaho state institution, provided the services to the insured would be covered by the policy if rendered to him outside an Idaho state institution. (2) From and after July 1, 1990, no group or blanket disability insurance policy may contain any provision denying or reducing benefits otherwise provided under the policy for the reason that the person insured is receiving health or mental health care or developmental services provided by the department of health and welfare, whether or not the department of health and welfare bases its charges for such services on the recipient’s ability to pay. Provided, nothing in this section shall prevent the issuance of a policy which excludes or reduces benefits where the charge level or amount of the charge levied by a governmental entity for such services would vary or be affected in any way by the existence of insurance coverage.  History: [41-2217, added 1990, ch. 300, sec. 2, p. 828.]
ID Code § 41-2218 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 22 - GROUP AND BLANKET DISABILITY INSURANCE|Section 41-2218 - MAMMOGRAPHY COVERAGE.

41-2218. MAMMOGRAPHY COVERAGE. (1) From and after July 1, 1992, all group or blanket disability insurance policies which provide coverage for the surgical procedure known as a mastectomy which are delivered, issued for delivery, continued or renewed in this state shall provide minimum mammography examination or equivalent examination coverage. Such coverage shall include at least the following benefits: (a) One (1) baseline mammogram for any woman who is thirty-five (35) through thirty-nine (39) years of age. (b) A mammogram every two (2) years for any woman who is forty (40) through forty-nine (49) years of age, or more frequently if recommended by the woman’s physician. (c) A mammogram every year for any woman who is fifty (50) years of age or older. (d) A mammogram for any woman desiring a mammogram for medical cause. Such coverage shall not exceed the cost of the examination. (2) As used in this section, "mastectomy" means the removal of all or part of the breast for medically necessary reasons as determined by a licensed physician. (3) Nothing in this section shall apply to specified accident, specified disease, hospital indemnity, medicare supplement, long-term care or other limited benefit health insurance policies.  History: [41-2218, added 1992, ch. 132, sec. 2, p. 414; am. 1993, ch. 113, sec. 2, p. 289.]
ID Code § 41-2301 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 23 - CREDIT LIFE AND CREDIT DISABILITY INSURANCE|Section 41-2301 - DECLARATION OF PURPOSE.

41-2301. DECLARATION OF PURPOSE. The purpose of this chapter is to promote the public welfare by regulating credit life insurance and credit disability insurance. Nothing in this chapter is intended to prohibit or discharge or discourage reasonable competition. The provisions of this chapter shall be liberally construed.  History: [41-2301, added 1961, ch. 330, sec. 536, p. 645.]
ID Code § 41-2302 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 23 - CREDIT LIFE AND CREDIT DISABILITY INSURANCE|Section 41-2302 - SHORT TITLE.

41-2302. SHORT TITLE. This chapter may be cited as "the model law for the regulation of credit life insurance and credit disability insurance".  History: [41-2302, added 1961, ch. 330, sec. 537, p. 645.]
ID Code § 41-2303 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 23 - CREDIT LIFE AND CREDIT DISABILITY INSURANCE|Section 41-2303 - SCOPE OF CHAPTER.

41-2303. SCOPE OF CHAPTER. All life insurance and all disability insurance in connection with loans or other credit transactions shall be subject to the provisions of this chapter; except, that insurance in connection with a loan or other credit transaction of more than fifteen (15) years duration shall not be subject to this chapter, nor shall insurance be subject to this chapter where the issuance of such insurance is an isolated transaction on the part of the insurer not related to an agreement or a plan for insuring debtors of the creditor.  History: [41-2303, added 1961, ch. 330, sec. 538, p. 645; am. 1972, ch. 369, sec. 11, p. 1072; am. 1974, ch. 152, sec. 3, p. 1375; am. 1993, ch. 48, sec. 1, p. 125.]
ID Code § 41-2304 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 23 - CREDIT LIFE AND CREDIT DISABILITY INSURANCE|Section 41-2304 - DEFINITIONS.

41-2304. DEFINITIONS. For the purposes of this chapter: (1) "Credit life insurance" means insurance on the life of a debtor pursuant to or in connection with a specific loan or other credit transaction. (2) "Credit disability insurance" means insurance on a debtor to provide indemnity for payments becoming due on a specific loan or other credit transaction while the debtor is disabled as defined in the policy. (3) "Creditor" means the lender of money or vendor of goods, services or property, including a lessor under a lease intended as a security, rights or privileges, for which payment is arranged through a credit transaction, or any successor to the right, title or interest of any such lender or vendor, and an affiliate, associate or subsidiary of any of them or any director, officer or employee of any of them or any other person in any way associated with any of them. (4) "Debtor" means a borrower of money or a purchaser or lessee of goods, services, property, rights or privileges for which payment is arranged through a credit transaction. (5) "Indebtedness" means the total amount payable by a debtor to a creditor in connection with a loan or other credit transaction.  History: [41-2304, added 1961, ch. 330, sec. 539, p. 645.]
ID Code § 41-2305 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 23 - CREDIT LIFE AND CREDIT DISABILITY INSURANCE|Section 41-2305 - FORMS OF CREDIT LIFE INSURANCE AND CREDIT DISABILITY INSURANCE.

41-2305. FORMS OF CREDIT LIFE INSURANCE AND CREDIT DISABILITY INSURANCE. Credit life insurance and credit disability insurance shall be issued only in the following forms: (1) Individual policies of life insurance issued to debtors on the term plan. (2) Individual policies of disability insurance issued to debtors on a term plan, or disability benefit provisions in individual policies of credit life insurance. (3) Group policies of life insurance issued to creditors providing insurance upon the lives of debtors on the term plan. (4) Group policies of disability insurance issued to creditors on a term plan insuring debtors, or disability benefit provisions in group credit life insurance policies to provide such coverage.  History: [41-2305, added 1961, ch. 330, sec. 540, p. 645.]
ID Code § 41-2306 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 23 - CREDIT LIFE AND CREDIT DISABILITY INSURANCE|Section 41-2306 - AMOUNT OF INSURANCE.

41-2306. AMOUNT OF INSURANCE. (1) Credit life insurance: (a) The amount of credit life insurance shall not exceed the initial indebtedness, however the indebtedness may be repayable. (b) In cases where an indebtedness is repayable in substantially equal instalments, the amount of insurance shall at no time exceed the scheduled or actual amount of unpaid indebtedness, whichever is greater. (c) Notwithstanding the provisions of (a) or (b) above, insurance on agricultural credit transactions not exceeding one year in duration may be written up to the amount of the loan commitment on a nondecreasing or level term plan. (d) Except, that the amount of insurance provided under a group insurance contract shall be subject to section 41-2005(4) (debtor groups). (2) Credit disability insurance: The total amount of indemnity payable by credit disability insurance in the event of disability, as defined in the policy, shall not exceed the aggregate of the periodic scheduled unpaid instalments of the indebtedness; and the amount of each periodic indemnity payment shall not exceed the original indebtedness divided by the number of periodic instalments.  History: [41-2306, added 1961, ch. 330, sec. 541, p. 645.]
ID Code § 41-2307 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 23 - CREDIT LIFE AND CREDIT DISABILITY INSURANCE|Section 41-2307 - TERM OF CREDIT LIFE INSURANCE AND CREDIT DISABILITY INSURANCE.

41-2307. TERM OF CREDIT LIFE INSURANCE AND CREDIT DISABILITY INSURANCE. The term of any credit life insurance or credit disability insurance shall, subject to acceptance by the insurer, commence on the date when the debtor becomes obligated to the creditor, except that, where a group policy provides coverage with respect to existing obligations, the insurance on a debtor with respect to such indebtedness shall commence on the effective date of the policy. Where evidence of insurability is required and such evidence is furnished more than thirty (30) days after the date when the debtor becomes obligated to the creditor, the term of the insurance may commence on the date on which the insurer determines the evidence to be satisfactory, and in such event there shall be an appropriate refund or adjustment of any charge to the debtor for insurance. The term of such insurance shall not extend more than fifteen (15) days beyond the scheduled maturity date of the indebtedness except when extended without additional cost to the debtor. If the indebtedness is discharged due to renewal or refinancing prior to the scheduled maturity date, the insurance in force shall be terminated before any new insurance may be issued in connection with the renewed or refinanced indebtedness. In all cases of termination prior to scheduled maturity, a refund shall be paid or credited as provided in section 41-2310.  History: [41-2307, added 1961, ch. 330, sec. 542, p. 645.]
ID Code § 41-2310 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 23 - CREDIT LIFE AND CREDIT DISABILITY INSURANCE|Section 41-2310 - PREMIUMS AND REFUNDS.

41-2310. PREMIUMS AND REFUNDS. (1) Any insurer may revise its schedules of premium rates from time to time, and shall file such revised schedules with the director. No insurer shall issue any credit life insurance or credit disability insurance policy for which the premium rate exceeds that determined by the schedules of such insurer as then on file with the director. (2) Each individual policy or group certificate shall provide that in the event of termination of the insurance prior to the scheduled maturity date of the indebtedness, any refund of an amount paid by the debtor for insurance shall be paid or credited promptly to the person entitled thereto; provided, however, that the director shall prescribe a minimum refund and no refund which would be less than such minimum need be made. The formula to be used in computing such refund shall be filed with and approved by the director. (3) If a creditor requires a debtor to make any payment for credit life insurance or credit disability insurance and an individual policy or group certificate of insurance is not issued, the creditor shall immediately give written notice to such debtor and shall promptly make an appropriate credit to the account. (4) The amount charged to a debtor for any credit life or credit disability insurance shall not exceed the premiums charged by the insurer, as computed at the time the charge to the debtor is determined. (5) Nothing in this chapter shall be construed to authorize any payments for insurance now prohibited under any statute, or rule thereunder, governing credit transactions.  History: [41-2310, added 1961, ch. 330, sec. 545, p. 645.]
ID Code § 41-2311 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 23 - CREDIT LIFE AND CREDIT DISABILITY INSURANCE|Section 41-2311 - ISSUANCE OF POLICIES.

41-2311. ISSUANCE OF POLICIES. All policies of credit life insurance and credit disability insurance shall be delivered or issued for delivery in this state only by an insurer authorized to do an insurance business therein, and shall be issued only through holders of licenses or authorizations issued by the director.  History: [41-2311, added 1961, ch. 330, sec. 546, p. 645.]
ID Code § 41-2312 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 23 - CREDIT LIFE AND CREDIT DISABILITY INSURANCE|Section 41-2312 - CLAIMS.

41-2312. CLAIMS. (1) All claims shall be promptly reported to the insurer or its designated claim representative, and the insurer shall maintain adequate claim files. All claims shall be settled as soon as possible and in accordance with the terms of the insurance contract. (2) All claims shall be paid either by draft drawn upon the insurer or by check of the insurer to the order of the claimant to whom payment of the claim is due pursuant to the policy provisions, or upon direction of such claimant to one specified. (3) No plan or arrangement shall be used whereby any person, firm or corporation other than the insurer or its designated claim representative shall be authorized to settle or adjust claims. The creditor shall not be designated as claim representative for the insurer in adjusting claims; provided, that a group policyholder may, by arrangement with the group insurer, draw drafts or checks in payment of claims due to the group policyholder subject to audit and review by the insurer.  History: [41-2312, added 1961, ch. 330, sec. 547, p. 645.]
ID Code § 41-2313 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 23 - CREDIT LIFE AND CREDIT DISABILITY INSURANCE|Section 41-2313 - EXISTING INSURANCE — CHOICE OF INSURER.

41-2313. EXISTING INSURANCE — CHOICE OF INSURER. When credit life insurance or credit disability insurance is required as additional security for any indebtedness, the debtor shall, upon request to the creditor, have the option of furnishing the required amount of insurance through existing policies of insurance owned or controlled by him or of procuring and furnishing the required coverage through any insurer authorized to transact an insurance business within this state.  History: [41-2313, added 1961, ch. 330, sec. 548, p. 645.]
ID Code § 41-2314 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 23 - CREDIT LIFE AND CREDIT DISABILITY INSURANCE|Section 41-2314 - ENFORCEMENT.

41-2314. ENFORCEMENT. The director may, after notice and hearing, issue such rules and regulations as he deems appropriate for the supervision of this chapter. Whenever the director finds that there has been a violation of this chapter or any rules or regulations issued pursuant thereto, and after written notice thereof and hearing given to the insurer or other person authorized or licensed by the director, he shall set forth the details of his findings together with an order for compliance by a specified date. Such order shall be binding on the insurer and other person authorized or licensed by the director on the date specified unless sooner withdrawn by the director or a stay thereof has been ordered by a court of competent jurisdiction.  History: [41-2314, added 1961, ch. 330, sec. 549, p. 645.]
ID Code § 41-2316 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 23 - CREDIT LIFE AND CREDIT DISABILITY INSURANCE|Section 41-2316 - PENALTIES.

41-2316. PENALTIES. In addition to any other penalty provided by law, any person who violates an order of the director after it has become final, and while such order is in effect, shall, upon proof thereof to the satisfaction of the court, forfeit and pay to the state of Idaho a sum not to exceed two hundred fifty dollars ($250) which may be recovered in a civil action, except that if such violation is found to be willful, the amount of such penalty shall be a sum not to exceed one thousand dollars ($1,000). The director, in his discretion, may revoke or suspend the license or certificate of authority of the person guilty of such violation. Such order for suspension or revocation shall be upon notice and hearing, and shall be subject to judicial review as provided in chapter 52, title 67, Idaho Code.  History: [41-2316, added 1961, ch. 330, sec. 551, p. 645; am. 1977, ch. 142, sec. 8, p. 310; am. 2005, ch. 77, sec. 26, p. 271.]
ID Code § 41-2501 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 25 - CASUALTY INSURANCE CONTRACTS|Section 41-2501 - CONTRACTS ARE SUBJECT TO GENERAL PROVISIONS.

41-2501. CONTRACTS ARE SUBJECT TO GENERAL PROVISIONS. All contracts of casualty insurance covering subjects of insurance resident, located, or to be performed in this state are subject to the applicable provisions of chapter 18 (the insurance contract), and to the other applicable provisions of this code.  History: [41-2501, added 1961, ch. 330, sec. 553, p. 645.]
ID Code § 41-2502 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 25 - CASUALTY INSURANCE CONTRACTS|Section 41-2502 - UNINSURED MOTORIST AND UNDERINSURED MOTORIST COVERAGE FOR AUTOMOBILE INSURANCE — EXCEPTIONS.

41-2502. UNINSURED MOTORIST AND UNDERINSURED MOTORIST COVERAGE FOR AUTOMOBILE INSURANCE — EXCEPTIONS. (1) Except as otherwise provided in subsection (2) of this section, no owner’s or operator’s policy of motor vehicle liability insurance that is subject to the requirements of section 49-1212(1) or (2), Idaho Code, shall be delivered or issued for delivery in this state with respect to any motor vehicle registered or principally garaged in this state unless coverage is provided therein or supplemental thereto, in limits for bodily injury or death as set forth in section 49-117, Idaho Code, as amended from time to time, under provisions approved by the director of the department of insurance, for the protection of persons insured thereunder who are legally entitled to recover damages from owners or operators of uninsured and underinsured motor vehicles because of bodily injury, sickness or disease, including death, resulting therefrom. (2) A named insured shall have the right to reject either or both uninsured motorist coverage or underinsured motorist coverage, which rejection must be in writing or in an electronic record as authorized by the uniform electronic transactions act, chapter 50, title 28, Idaho Code, and such rejection shall be effective as to all other insureds and named insureds; and after which such rejected coverage need not be provided in or supplemental to a renewal or replacement policy issued by the same insurer or an affiliate of that insurer. (3) Prior to the issuance of any new policy or the first renewal or replacement of any existing policy of motor vehicle liability insurance with an effective date on or after January 1, 2009, a named insured shall be provided a standard statement approved by the director of the department of insurance, explaining in summary form, both uninsured and underinsured motorist coverage, and the different forms of underinsured motorist coverage that might be available from insurers in Idaho.  (4) The provisions of this section shall not apply to policies of motor vehicle liability insurance for coverage on all-terrain vehicles, utility type vehicles, specialty off-highway vehicles or motorbikes as those terms are defined in section 67-7101, Idaho Code.  History: [41-2502, as added by 1967, ch. 61, sec. 1, p. 124; am. 1988, ch. 265, sec. 572, p. 870; am. 2008, ch. 69, sec. 1, p. 183; am. 2009, ch. 157, sec. 1, p. 458.]