reglab/housing_qa huggingface dataset:
MA Gen L ch 175 § 186 (2021)
2021 Massachusetts General Laws|Part I - Administration of the Government|Title XXII - Corporations|Chapter 175 - Insurance|Section 186 - Misrepresentation or Warranty by Insured; Effect

Section 186. (a) No oral or written misrepresentation or warranty made in the negotiation of a policy of insurance by the insured or in his behalf shall be deemed material or defeat or avoid the policy or prevent its attaching unless such misrepresentation or warranty is made with actual intent to deceive, or unless the matter misrepresented or made a warranty increased the risk of loss.  (b) No oral or written misrepresentation or warranty as to the physical condition or health risks to the physical condition of the insured made in the negotiation of any policy of life or endowment insurance or annuity contract by the insured or on his behalf shall defeat or avoid the policy or prevent its attaching unless such misrepresentation or warranty is material and is made with actual intent to deceive or increased the risk of loss. For the purposes of this paragraph, a misrepresentation or warranty shall be deemed material if knowledge or ignorance of it would otherwise have influenced the insurer in making the contract at all, or in estimating the degree and character of the risk, or in fixing the rate of the premium.
MA Gen L ch 175 § 186a (2021)
2021 Massachusetts General Laws|Part I - Administration of the Government|Title XXII - Corporations|Chapter 175 - Insurance|Section 186a - Delivery of Policy; Presumptions

Section 186A. The delivery of any policy of life or endowment insurance or annuity contract shall create a presumption that any conditions precedent, other than a condition requiring prepayment of the initial premium, to the attaching of the policy or contract have been performed. In any court action based on a life insurance policy in which the good health of the insured at the time the policy becomes effective is at issue, there shall be a presumption that the insured was in good health if the insurer delivered the policy.
MA Gen L ch 175 § 186b (2021)
2021 Massachusetts General Laws|Part I - Administration of the Government|Title XXII - Corporations|Chapter 175 - Insurance|Section 186b - Effect of Lack of Sworn Statement of Loss; Laws Applicable

Section 186B. The provisions of section one hundred and two, relative to certain rights of an insured who has failed to render a sworn statement of loss, shall apply in case of claims for loss or damage from any hazard insured against under any policy of insurance issued in the commonwealth.
MA Gen L ch 175 § 187 (2021)
2021 Massachusetts General Laws|Part I - Administration of the Government|Title XXII - Corporations|Chapter 175 - Insurance|Section 187 - Foreign Companies; Contents of Policies

Section 187. Policies of life or endowment insurance, group life insurance or insurance against accidental injury or disease issued by a foreign company in this commonwealth may, with the approval of the commissioner, contain any provision required by the law of the state, territory or district of the United States under which the company is organized, which is not contrary to the laws of this commonwealth; and such policies of a domestic company issued in any other state, territory, district or country may contain any provision required by the laws of the state, territory, district or country in which the same are issued.
MA Gen L ch 175 § 187a (2021)
2021 Massachusetts General Laws|Part I - Administration of the Government|Title XXII - Corporations|Chapter 175 - Insurance|Section 187a - Actions on Policies; Limitation

Section 187A. If a suit or action on a policy of insurance, duly commenced within the time limited by any valid clause of such policy for commencing suits or actions against the company, shall be enjoined or abated, suit or action may be commenced at any time within one year after the dissolution of such injunction or the abatement of such suit or action, to the same extent as if there were no limitation of time provided in the policy for the bringing of such suit or action.
MA Gen L ch 175 § 187b (2021)
2021 Massachusetts General Laws|Part I - Administration of the Government|Title XXII - Corporations|Chapter 175 - Insurance|Section 187b - Cancellation of Policy; Failure to Return Premium; Penalties

Section 187B. A company, or any officer, agent or employee thereof, having actual knowledge that the insured under any policy of insurance has paid the premium thereon to the company, or to its agent who issued the policy, or to the duly licensed insurance broker who negotiated it or its continuance or renewal, who cancels or offers or attempts to cancel any such policy, which provides for cancellation by the company upon giving written notice and paying or tendering to the insured a return premium, without paying or tendering to him with said notice the full return premium thereunder according to its terms without any deductions, or who refuses to pay or tender to the insured the full return premium according to its terms without any deductions upon demand after cancellation by the insured of any such policy which provides for cancellation by the insured and for the payment to him of a return premium, or who refuses to pay or tender to the insured the full return premium according to the terms of the policy without any deductions, upon demand after the full return premium has been ascertained, in the case of such a policy which provides for cancellation by the company upon written notice without paying or tendering the return premium until it has been ascertained, or upon demand after cancellation in the case of such a policy which provides for cancellation by the company upon giving written notice and for the payment of the return premium upon demand after cancellation, shall be punished for the first offence by a fine of not less than fifty nor more than two hundred dollars and for each subsequent offence by a fine of not less than one hundred nor more than five hundred dollars and by imprisonment for not more than six months. An insurance agent may offset funds due an insured for return premiums on any policy against amounts due him from the same insured for any due and unpaid premiums on any other policy issued by the same insurer. An insurer may pay return premiums to any agent for such purpose. An insurer whose return premiums are used by an insurance agent to offset funds due him shall be held to have discharged its obligations to its insured for such return premiums. This section shall not invalidate an assignment of return premium made concurrently with policy insurance as security for financing such premium, nor the right of the assignee, or his assign, to enforce such assignment as a prior claim.
MA Gen L ch 175 § 187c (2021)
2021 Massachusetts General Laws|Part I - Administration of the Government|Title XXII - Corporations|Chapter 175 - Insurance|Section 187c - Cancellation of Policy; Procedure

Section 187C. A company issuing any policy of insurance which is subject to cancellation by the company shall effect cancellation by serving the notice thereof provided by the policy and by paying or tendering, except as provided in this and the following section, the full return premium due thereunder in accordance with its terms without any deductions. Such notice and return premium, if any, shall be delivered in hand to the named insured, or be left at his last address as shown by the company's records or, if its records contain no such address, at his last business, residence or other address known to the company, or be forwarded to said address by first class mail, postage prepaid, and a notice left or forwarded, as aforesaid, shall be deemed a sufficient notice. No written notice of cancellation shall be deemed effective when mailed by the company unless the company obtains a certificate of mailing receipt from the United States Postal Service showing the name and address of the insured stated in the policy. A check of the company or its duly authorized agent shall be deemed a sufficient tender. The affidavit of any officer, agent or employee of the company, duly authorized for that purpose, that such notice has been served and such return premium, if any, has been paid or tendered, as provided in this section, shall be prima facie evidence that cancellation has been duly effected.  If a policy is made payable to a mortgagee or any person other than the insured, notice shall be given as above provided to the payee as well as to the insured.  Policies subject to cancellation by the insured upon giving notice to the company may be cancelled by serving such notice in the manner herein provided upon the company or upon its agent who issued the policy.  Whoever knowingly and wilfully makes a false affidavit under this section shall be punished by a fine of not less than one hundred nor more than one thousand dollars or by imprisonment for not more than one year.  This section shall not apply to nor be deemed to prevent the termination of any policy by mutual consent of the parties, nor shall it require the payment or tender of a return premium upon the cancellation of a policy which provides for the payment of a return premium when ascertained or upon demand after cancellation.
MA Gen L ch 175 § 187d (2021)
2021 Massachusetts General Laws|Part I - Administration of the Government|Title XXII - Corporations|Chapter 175 - Insurance|Section 187d - Cancellation of Policy; Non-Payment of Premium

Section 187D. A company issuing any policy of insurance which provides for cancellation by the company upon giving written notice to the insured and for the payment or tender to the insured of a return premium at any time either before, at or after cancellation, may cancel such policy by giving the notice provided therein in the manner prescribed by section one hundred and eighty-seven C without tendering or paying at any time or in any case any return premium thereon, if the insured has not prior to the date of such notice, actually paid the premium thereon either to the company, or to its agent who issued the policy, or to the duly licensed insurance broker who negotiated it or its continuance or renewal.
MA Gen L ch 175 § 187e (2021)
2021 Massachusetts General Laws|Part I - Administration of the Government|Title XXII - Corporations|Chapter 175 - Insurance|Section 187e - Small Claims; Payments to Heirs of Decedents

Section 187E. A company which upon the death of an individual residing in the commonwealth owes his estate an aggregate sum not exceeding ten thousand dollars under any policy or policies of life, endowment, or accident or health insurance, or any annuity or pure endowment contract or contracts, may, at any time not less than sixty days thereafter, upon satisfactory proof, pay such sum to his surviving spouse, or, if none, to one or more of his heirs under section three of chapter one hundred and ninety; provided, that at the time of such payment no written claim for such sum has been received at the company's home office from any executor, administrator or special administrator of the estate of such individual. Any payment made under any such policy or contract under authority of this section to a person eighteen years of age or older shall constitute a full discharge of the company from all liability thereunder.
MA Gen L ch 175 § 187f (2021)
2021 Massachusetts General Laws|Part I - Administration of the Government|Title XXII - Corporations|Chapter 175 - Insurance|Section 187f - Cancellation of Policies During Strike of Insurance Agents

Section 187F. 1. No life insurance policy, non-cancellable disability insurance contract, hospital expense or hospital and surgical expense contract, now or hereafter in force in the commonwealth, premiums for which are normally collected by insurance agents employed by the insurer, shall terminate or lapse by reason of default in payment of any premium, installment or interest on any policy loan payable to said insurer during the period that said insurer's agents are on strike.  2. The insured or premium payer of any policy or contract of insurance set forth in paragraph 1, shall be entitled to a grace period of thirty-one days immediately following the authorized termination of such strike, within which the payment of any premium, installment or interest on any policy loan may be made, during which period of grace the policy or contract of insurance shall continue in full force and effect.  3. If a claim arises under the policy or contract of insurance during a strike period as set forth in paragraph 1, or during the grace period as set forth in paragraph 2, before the overdue premium, or installment or interest on a policy loan, if any, are paid, the amount of such overdue premium or installment together with interest not to exceed six per cent per annum and the amount of any loan with interest due, may be deducted from the amount payable under the policy or contract in settlement.
MA Gen L ch 175 § 187g (2021)
2021 Massachusetts General Laws|Part I - Administration of the Government|Title XXII - Corporations|Chapter 175 - Insurance|Section 187g - Lapse of Certain Life Insurance Policies During Strike of Agents; Reinstatement

Section 187G. Any life insurance policy having nonforfeiture values, which is ineligible for an automatic premium loan or does not have an authorization for an automatic premium loan, that is now or hereafter in force and for which policy premiums are normally collected by insurance agents employed by the insurer, which lapses during the time such insurance agents are on an authorized strike, shall be entitled to reinstatement without evidence of insurability within thirty-one days of the authorized termination of the strike, and the provisions of such policy shall also provide for the manner of repayment of premiums due by such insured plus interest, if any.
MA Gen L ch 175 § 187h (2021)
2021 Massachusetts General Laws|Part I - Administration of the Government|Title XXII - Corporations|Chapter 175 - Insurance|Section 187h - Owner's Right to Cancel Policy; Notice; Refund of Prepaid Premiums

Section 187H. No policy of individual life insurance with a face amount of less than twenty-five thousand dollars shall be delivered or issued for delivery in the commonwealth unless it shall have printed thereon or attached thereto a notice stating in substance that the owner of the policy shall be permitted to cancel said policy within ten days of its delivery by the insurer if, after examination of the policy, the owner is not satisfied with it for any reason. If the owner, pursuant to such notice, surrenders the policy to the insurer by delivering it to the home office or branch office of said insurer, or to the agent through whom it was purchased, any premium paid shall be refunded and the policy shall upon such delivery be deemed void from the beginning.
MA Gen L ch 175 § 188 (2021)
2021 Massachusetts General Laws|Part I - Administration of the Government|Title XXII - Corporations|Chapter 175 - Insurance|Section 188 - Unlawful Use of Proxy; Penalty

Section 188. A paid officer of a domestic mutual company who asks for, receives or procures to be obtained or uses a proxy to vote in violation of any provision of section seventy-six or ninety-four shall be punished by a fine of not less than one hundred nor more than three hundred dollars.
MA Gen L ch 175 § 189 (2021)
2021 Massachusetts General Laws|Part I - Administration of the Government|Title XXII - Corporations|Chapter 175 - Insurance|Section 189 - Policies in Violation of This Chapter; Penalty

Section 189. A company or any officer or agent thereof who makes, issues or delivers a policy of insurance or an annuity or pure endowment contract in violation of this chapter shall, except as otherwise provided, forfeit not less than fifty nor more than five hundred dollars.
MA Gen L ch 175 § 190a (2021)
2021 Massachusetts General Laws|Part I - Administration of the Government|Title XXII - Corporations|Chapter 175 - Insurance|Section 190a - Definitions Applicable to This Section and Secs. 190b and 190c

Section 190A. The following words and phrases for the purposes of this section and the following two sections, shall have the following meanings:— ''Mass marketed life or health insurance'', the insurance under any individual, franchise, group or blanket policy of life or health insurance which is offered by means of direct response solicitation through a sponsoring organization or through the mails or other mass communications media and under which the person insured pays all or substantially all of the cost of his insurance.  ''Direct response solicitation'', any offer by an insurer to persons in the commonwealth, either directly or through a third party, to effect life or health insurance coverage which enables the individual to apply or enroll for the insurance on the basis of the offer. It shall not include solicitations for insurance through an ''employee benefit plan'' as defined by an act of congress entitled the Employee Retirement Income Security Act of 1974, Public Law 93–406 nor shall it include such a solicitation through the individual's creditor with respect to credit life or credit health insurance.
MA Gen L ch 175 § 190b (2021)
2021 Massachusetts General Laws|Part I - Administration of the Government|Title XXII - Corporations|Chapter 175 - Insurance|Section 190b - Mass Marketed Life or Health Insurance; Reasonableness of Charges; Findings; Orders; Review

Section 190B. No mass marketed life or health insurance may continue to be sold or offered to persons in the commonwealth if the commissioner finds that the total charges for the insurance to the persons insured are unreasonable in relation to the benefits provided. Any such finding shall be made after hearing after not less than thirty days' written notice to the insurer. The commissioner shall make findings in writing, including the reasons therefore, and may issue an order directing the insurer to cease selling or offering to sell such insurance. Such order shall continue in effect until the total charges for the insurance are found to be reasonable in relation to the benefits. Any person or company aggrieved by any order of the commissioner under this paragraph may, within twenty days from the filing of a memorandum thereof in his office, file a petition in the supreme judicial court for Suffolk county for a review of such order. The order of the commissioner shall remain in full force and effect pending the final decision of the court unless the court or a justice thereof after notice to the commissioner shall by a special order otherwise direct. The court shall have jurisdiction to annul or affirm such order and shall review all questions in accordance with the standards for review provided in paragraph (7) of section fourteen of chapter thirty A and may make any appropriate order or decree.
MA Gen L ch 175 § 190c (2021)
2021 Massachusetts General Laws|Part I - Administration of the Government|Title XXII - Corporations|Chapter 175 - Insurance|Section 190c - Mass Marketed Life or Health Insurance; Nonresident Insurers; Compliance With State Laws

Section 190C. Any insurer extending mass marketed life or health insurance under a group or blanket policy issued outside the commonwealth to residents of the commonwealth shall:  (1) comply with respect to such insurance with the requirements of the commonwealth relating to advertising and to claims settlement practices; and  (2) shall, upon request of the commissioner, make available for the purpose of determining compliance with the provisions of this section, copies of any such policy or certificates or both issued thereunder, and any advertising material used within the commonwealth in connection with such insurance.
MA Gen L ch 175 § 191 (2021)
2021 Massachusetts General Laws|Part I - Administration of the Government|Title XXII - Corporations|Chapter 175 - Insurance|Section 191 - Commissioner; Power to Require Submission of Policies and Circulars for Inspection; Penalty

Section 191. The commissioner may require a company to submit for his inspection copies of any policy form used by the company; a form of any rider, endorsement or application used in connection therewith, and copies of any circular or other advertising matter issued by it in the commonwealth. A company, or any officer or agent thereof who, within thirty days after receipt of a written request therefor, neglects or refuses to comply with this section shall be punished by a fine of not less than one hundred nor more than five hundred dollars.
MA Gen L ch 175 § 191a (2021)
2021 Massachusetts General Laws|Part I - Administration of the Government|Title XXII - Corporations|Chapter 175 - Insurance|Section 191a - Property Damage to Insured's Motor Vehicle; Notice of Losses; Arbitration Clause

Section 191A. No company shall issue a policy or contract which insures against physical damage to a motor vehicle of the insured unless said policy contains in substance the following provisions:—  In case of any loss or damage insured against under the policy, the named insured shall give notice thereof as soon as practicable to the company or any of its authorized agents and also, in the event of larceny, robbery or pilferage, to the police, and within sixty days after filing proof of loss the company shall pay the amount of loss as provided in the policy.  If the named insured and the company fail to agree as to the amount of loss, each shall, on the written demand of either, made within sixty days after receipt of proof of loss by the company, select a competent and disinterested appraiser, and the appraisal shall be made at a reasonable time and place. The appraisers shall first select a competent and disinterested umpire, and failing for fifteen days to agree upon such umpire, then, on the request of the named insured or the company, such umpire shall be selected by a judge of a court of record in the county and state in which such appraisal is pending. The appraisers shall then appraise the loss, stating separately the actual cash value at the time of loss and the amount of loss, and failing to agree shall submit their differences to the umpire. An award in writing of any two shall determine the amount of loss. The named insured and the company shall each pay his or its chosen appraiser and shall bear equally the other expenses of the appraisal and umpire.  The company shall not be held to have waived any of its rights by any act relating to appraisal.
MA Gen L ch 175 § 192 (2021)
2021 Massachusetts General Laws|Part I - Administration of the Government|Title XXII - Corporations|Chapter 175 - Insurance|Section 192 - Riders and Endorsements; Commissioner's Approval

Section 192. All provisions of law relative to the filing of policy forms with, and the approval of such forms by, the commissioner shall also apply to all forms of riders, endorsements and applications designed to be attached to such policy forms and when so attached to constitute a part of the contract; provided, that riders or endorsements used at the request of individual policyholders in connection with policies of life or endowment insurance relative to the distribution of benefits payable under their policies or to the reservation of rights or benefits thereunder, and riders or endorsements used under the ninth clause of section ninety-nine in connection with policies of fire insurance issued under section one hundred and two A, may be used, so far as consistent with law, without such approval. All such provisions of law shall also apply to all forms of riders or endorsements, designed to be attached to motor vehicle liability policies as defined in section thirty-four A of chapter ninety, providing for additional coverage permitted by section one hundred and eleven C.