reglab/housing_qa huggingface dataset:
AK Stat § 21.36.096 (2021)
2021 Alaska Statutes|Title 21. Insurance|Chapter 36. Trade Practices and Frauds|Article 1. Trade Practices in General.|Sec. 21.36.096. Prohibited denial of claim for causation.

An insurer may not deny a claim if a risk, hazard, or contingency insured against is the dominant cause of a loss and the denial occurs because an excluded risk, hazard, or contingency is also in a chain of causes but operates on a secondary basis.
AK Stat § 21.36.100 (2021)
2021 Alaska Statutes|Title 21. Insurance|Chapter 36. Trade Practices and Frauds|Article 1. Trade Practices in General.|Sec. 21.36.100. Rebates.

Except as otherwise expressly provided by law, a person may not knowingly permit or offer to make or make a contract of life insurance, life annuity or health insurance, or agreement under the contract other than as plainly expressed in the contract, or pay, allow, give or offer to pay, allow, or give, directly or indirectly, as inducement to the insurance, or annuity, a rebate of premiums payable on the contract, or a special favor or advantage in the dividends or other benefits, or paid employment or contract for services of any kind, or any valuable consideration or inducement whatever not specified in the contract; or directly or indirectly give, sell, purchase or offer to agree to give, sell, purchase, or allow as inducement to the insurance or annuity or in connection therewith, whether or not to be specified in the policy or contract, an agreement of any form or nature promising returns, profits, stocks, bonds, or other securities, or interest present or contingent in the contract or as measured by the contract, of an insurance company or other corporation, association, or partnership, or dividends or profits accrued or to accrue under the contract; or offer, promise, or give anything of value that is not specified in the contract.
AK Stat § 21.36.110 (2021)
2021 Alaska Statutes|Title 21. Insurance|Chapter 36. Trade Practices and Frauds|Article 1. Trade Practices in General.|Sec. 21.36.110. Exceptions to discrimination and rebates.

Nothing in AS 21.36.090, 21.36.100, and AS 21.54.100 may be construed as including within the definition of discrimination or rebates any of the following practices: (1) in the case of a contract of life insurance or life annuity, paying bonuses to policyholders or otherwise abating their premiums in whole or in part out of surplus accumulated from nonparticipating insurance, if the bonuses or abatement of premiums is fair and equitable to policyholders and for the best interests of the insurer; (2) in the case of a life insurance policy issued on industrial debit, preauthorized check, bank draft, or similar plans, making allowance to policyholders who have made premium payments directly to an office of the insurer or by preauthorized debit, check, bank draft, or similar plan, in an amount that fairly represents the saving in collection expense; (3) readjustment of the rate of premium for a group insurance policy based on the loss or expense experience thereunder, at the end of the first or a subsequent policy year of insurance thereunder, which may be made retroactive only for that policy year; (4) issuance of life or health insurance policies or annuity contracts at rates less than the usual rates of premiums for the policies or contracts, or modification of premium or rate based on amount of insurance; but the issuance or modification may not result in reduction in premium or rate in excess of savings in administration and issuance expenses reasonably attributable to the policies or contracts; (5) a reward under a wellness program established under a health care plan that favors an individual if the wellness program meets the following requirements: (A) the wellness program is reasonably designed to promote health or prevent disease; (B) an individual has an opportunity to qualify for the reward at least once a year; (C) the reward is available for all similarly situated individuals; (D) the wellness program has alternative standards for individuals who are unable to obtain the reward because of a health factor; (E) alternative standards are available for an individual who is unable to participate in a reward program because of a health condition; (F) the insurer provides information explaining the standard for achieving the reward and discloses the alternative standards; and (G) the total rewards for all wellness programs under the health insurance policy do not exceed 20 percent of the cost of coverage.
AK Stat § 21.36.120 (2021)
2021 Alaska Statutes|Title 21. Insurance|Chapter 36. Trade Practices and Frauds|Article 1. Trade Practices in General.|Sec. 21.36.120. Unfair discrimination and rebates prohibited in property and casualty insurance.

(a) A property, casualty, or surety insurer or its employee or representative, or an agent, or solicitor may not pay, allow, give, or offer to pay, allow, or give, directly or indirectly, as an inducement to insurance or after insurance has been effected, a rebate, discount, abatement, credit, or reduction of the premium named in the policy of insurance, or a special favor or advantage in the dividends or other benefits to accrue thereon, or any valuable consideration or inducement, not specified in the policy, except to the extent provided for in an applicable filing with the director as provided by law. (b) An insured named in a policy, or an employee of the insured may not knowingly receive or accept directly or indirectly, a rebate, discount, abatement, credit, or reduction of premium, or special favor or advantage or valuable consideration or inducement. (c) An insurer may not make or permit an unfair discrimination between insureds or property having like insuring or risk characteristics, in the premium or rates charged for insurance, or in the dividends or other benefits payable thereon, or in any other of the terms and conditions of the insurance. (d) Nothing in this section may be construed as prohibiting the payment of commissions or other compensation to persons duly transacting business under AS 21.27, or as prohibiting an insurer from allowing or returning to its participating policyholders, members, or subscribers, lawful dividends, savings, or unabsorbed premium deposits.
AK Stat § 21.36.125 (2021)
2021 Alaska Statutes|Title 21. Insurance|Chapter 36. Trade Practices and Frauds|Article 1. Trade Practices in General.|Sec. 21.36.125. Unfair claim settlement practices.

(a) A person may not commit any of the following acts or practices: (1) misrepresent facts or policy provisions relating to coverage of an insurance policy; (2) fail to acknowledge and act promptly upon communications regarding a claim arising under an insurance policy; (3) fail to adopt and implement reasonable standards for prompt investigation of claims; (4) refuse to pay a claim without a reasonable investigation of all of the available information and an explanation of the basis for denial of the claim or for an offer of compromise settlement; (5) fail to affirm or deny coverage of claims within a reasonable time of the completion of proof-of-loss statements; (6) fail to attempt in good faith to make prompt and equitable settlement of claims in which liability is reasonably clear; (7) engage in a pattern or practice of compelling insureds to litigate for recovery of amounts due under insurance policies by offering substantially less than the amounts ultimately recovered in actions brought by those insureds; (8) compel an insured or third-party claimant in a case in which liability is clear to litigate for recovery of an amount due under an insurance policy by offering an amount that does not have an objectively reasonable basis in law and fact and that has not been documented in the insurer's file; (9) attempt to make an unreasonably low settlement by reference to printed advertising matter accompanying or included in an application; (10) attempt to settle a claim on the basis of an application that has been altered without the consent of the insured; (11) make a claims payment without including a statement of the coverage under which the payment is made; (12) make known to an insured or third-party claimant a policy of appealing from an arbitration award in favor of an insured or third-party claimant for the purpose of compelling the insured or third-party claimant to accept a settlement or compromise less than the amount awarded in arbitration; (13) delay investigation or payment of claims by requiring submission of unnecessary or substantially repetitive claims reports and proof-of-loss forms; (14) fail to promptly settle claims under one portion of a policy for the purpose of influencing settlements under other portions of the policy; (15) fail to promptly provide a reasonable explanation of the basis in the insurance policy in relation to the facts or applicable law for denial of a claim or for the offer of a compromise settlement; or (16) offer a form of settlement or pay a judgment in any manner prohibited by AS 21.96.030; (17) violate a provision contained in AS 21.07. (b) The provisions of this section do not create or imply a private cause of action for a violation of this section. (c) The director of insurance shall adopt regulations to implement, define, and enforce this section.
AK Stat § 21.36.130 (2021)
2021 Alaska Statutes|Title 21. Insurance|Chapter 36. Trade Practices and Frauds|Article 1. Trade Practices in General.|Sec. 21.36.130. Stock operations and advisory board contracts.

A person may not issue or deliver or permit its agents, officers, or employees to issue or deliver, agency company stock or other capital stock, or benefit certificates or shares in a common law corporation, or securities, or an advisory board contract or other similar contract of any kind promising returns and profits as an inducement to insurance.
AK Stat § 21.36.160 (2021)
2021 Alaska Statutes|Title 21. Insurance|Chapter 36. Trade Practices and Frauds|Article 1. Trade Practices in General.|Sec. 21.36.160. Right of debtor or borrower to select insurance producer and insurer.

If property insurance is required in connection with a debt or loan, the debtor or borrower has the reasonable right to select the insurance producer and insurer through whom the insurance is to be placed if (1) the insurance is provided for the protection of the creditor's or lender's interest in the property at the commencement of the risk; or (2) in the case of renewal of insurance, the renewal policy is delivered to the creditor or lender no later than 30 days before the renewal date.
AK Stat § 21.36.170 (2021)
2021 Alaska Statutes|Title 21. Insurance|Chapter 36. Trade Practices and Frauds|Article 1. Trade Practices in General.|Sec. 21.36.170. Interlocking ownership, management.

(a) An insurer may retain, invest in, or acquire the whole or a part of the capital stock of another insurer or insurers, or have a common management with another insurer or insurers, unless the retention, investment, acquisition, or common management is inconsistent with a provision of this title, or unless by reason thereof the business of the insurers with the public is conducted in a manner that substantially lessens competition generally in the insurance business or tends to create a monopoly. (b) A person otherwise qualified may be director of two or more insurers that are competitors, unless the effect is to lessen substantially competition between insurers generally or tends materially to create a monopoly.
AK Stat § 21.36.185 (2021)
2021 Alaska Statutes|Title 21. Insurance|Chapter 36. Trade Practices and Frauds|Article 1. Trade Practices in General.|Sec. 21.36.185. Maintenance of complaint handling records.

Except for records subject to health carrier grievance reporting and record keeping requirements established under AS 21.07.005, an insurer shall maintain a complete record of all the complaints received by the insurer since the date of the insurer's last market conduct examination under AS 21.06.120 or for four years, whichever occurs first. This record must indicate the total number of complaints, the classification of each complaint by line of insurance, the nature of each complaint, the disposition of each complaint, and the time it took to process each complaint. For purposes of this section, “complaint” means any written communication primarily expressing a grievance.
AK Stat § 21.36.190 (2021)
2021 Alaska Statutes|Title 21. Insurance|Chapter 36. Trade Practices and Frauds|Article 1. Trade Practices in General.|Sec. 21.36.190. Fictitious groups.

(a) An insurer, whether an authorized or unauthorized insurer, may not make available through a rating plan or form, property, casualty, or surety insurance to a firm, corporation, or association of individuals, a preferred rate or premium based upon a fictitious group of the firm, corporation, or association of individuals. (b) A form or plan of insurance covering a group or combination of persons or risks may not be written or delivered inside or outside this state to cover persons or risks in this state at a preferred rate or on a form other than that offered to persons not in the group or combination and to the public generally, unless the form, plan of insurance, and the rates or premiums to be charged have been submitted to and approved by the director as being not unfairly discriminatory and not otherwise in conflict with (a) of this section or with AS 21.39 to the extent that AS 21.39 is, by its terms, applicable to it. (c) This section does not apply to mortgage guaranty insurance, life insurance, health insurance, or annuity contracts. (d) This section does not apply to workers' compensation insurance when issued to an association of employers formed for purposes other than the purchase of insurance and that (1) has a constitution and bylaws; (2) incorporates a safety program; (3) as a group has preferred characteristics over similar risks written on an individual basis; and (4) has filed and received approval from the director for the rating program to be applied to the group. (e) This section does not apply to insurance coverage under a joint insurance arrangement authorized by AS 21.76. (f) Except as provided in AS 21.36.475, an insurer, whether authorized or unauthorized, may not underwrite an owner controlled insurance program or contractor controlled insurance program. In this subsection, “owner controlled insurance program” and “contractor controlled insurance program” have the meanings given in AS 21.36.475.
AK Stat § 21.36.195 (2021)
2021 Alaska Statutes|Title 21. Insurance|Chapter 36. Trade Practices and Frauds|Article 1. Trade Practices in General.|Sec. 21.36.195. Surplus lines brokers and insurance producers; prohibited acts.

A surplus lines broker or an insurance producer may not fail to provide evidence of insurance, filings, or reports, or fail to maintain the records, or fail to pay the taxes and fees, required under AS 21.34.
AK Stat § 21.36.210 (2021)
2021 Alaska Statutes|Title 21. Insurance|Chapter 36. Trade Practices and Frauds|Article 2. Cancellations and Renewals.|Sec. 21.36.210. Limits on cancellation.

(a) An insurer may not exercise its right to cancel a policy of personal automobile insurance except for the following reasons: (1) nonpayment of premium; or (2) the driver's license or motor vehicle registration of either the named insured or of an operator who resides in the same household as the named insured or who customarily operates a motor vehicle insured under the policy has been under suspension or revocation during the policy period or, if the policy is a renewal, during its policy period or the 180 days immediately preceding its effective date. (b) During the policy period, a modification of automobile physical damage coverage, except coverage for loss caused by collision, whereby provision is made for the application of a deductible amount not exceeding $100 is not a cancellation of the coverage or of the policy. (c) [Repealed, § 47 ch 29 SLA 1987.] (d) This section does not apply to (1) the failure to renew a policy, except as to coverage in force for less than 12 months; (2) a policy that has been in effect less than 60 days at the time notice of cancellation is mailed or delivered by the insurer, unless it is a renewal policy. (e) [Repealed, § 47 ch 29 SLA 1987.] (f) An insurer may not exercise its right to cancel a policy of personal insurance other than personal automobile insurance, except for the following reasons: (1) nonpayment of premiums, including nonpayment of additional premiums, calculated in accordance with the current rating manual of the insurer, justified by a physical change in the insured property or a change in its occupancy or use; (2) conviction of the insured of a crime having as one of its necessary elements an act increasing a hazard insured against; (3) discovery of fraud or material misrepresentation made by the insured or a representative of the insured in obtaining the insurance or by the insured in pursuing a claim under the policy; (4) discovery of a grossly negligent act or omission by the insured that substantially increases the hazards insured against; (5) physical changes in the insured property that result in the property becoming uninsurable; or (6) entire abandonment of the property that increases a hazard insured against; if a policy is cancelled under this paragraph, in addition to the notice required under AS 21.36.220, the insurer shall give notice of cancellation of the policy to a lender on file with the insurer at the time of the cancellation; in this paragraph, “entire abandonment” means the property is no longer occupied by the insured as defined by the policy and does not have contents of substantial utility; however, property is not entirely abandoned if the insured or an agent for the insured demonstrates that the property is being reasonably maintained and monitored for a condition that might cause damage to the property.
AK Stat § 21.36.225 (2021)
2021 Alaska Statutes|Title 21. Insurance|Chapter 36. Trade Practices and Frauds|Article 2. Cancellations and Renewals.|Sec. 21.36.225. Notice of health insurance coverage cancellation, coverage change, or premium change.

(a) Except for a health care insurance policy subject to AS 21.51.400 or AS 21.54.130, an insurer may not cancel a health insurance policy unless the insurer provides written notice to a policyholder at least 45 days before the effective date of the cancellation. (b) An insurer shall provide written notice to a policyholder of the specific changes in coverage or the exact change in premium at least 45 days before the effective date of the change in coverage or premium.
AK Stat § 21.36.235 (2021)
2021 Alaska Statutes|Title 21. Insurance|Chapter 36. Trade Practices and Frauds|Article 2. Cancellations and Renewals.|Sec. 21.36.235. Notice of premium or coverage changes upon renewal.

(a) Except as provided in AS 21.36.305, if the renewal premium is increased more than 10 percent for a reason other than an increase in coverage or exposure base, or if after renewal there will be a material restriction or reduction in coverage not specifically requested by the insured, written notice shall be mailed to the insured and to the agent or broker of record as required by AS 21.36.260 (1) at least 20 days before expiration of a personal insurance policy; or (2) at least 45 days before expiration of a business or commercial policy. (b) If notice before expiration of the policy is not given as required by (a) of this section, the existing policy shall continue until the insurer provides notice for the time period required by (a) of this section for that policy. (c) This section does not apply to workers' compensation insurance or to business or commercial policies issued under AS 21.34.
AK Stat § 21.36.240 (2021)
2021 Alaska Statutes|Title 21. Insurance|Chapter 36. Trade Practices and Frauds|Article 2. Cancellations and Renewals.|Sec. 21.36.240. Failure to renew.

(a) An insurer may only fail to renew a personal insurance policy on the policy's annual anniversary. An insurer may not fail to renew a policy unless a written notice of nonrenewal is mailed to the named insured under AS 21.36.260 at least 20 days for a personal insurance policy, and at least 45 days for a business or commercial insurance policy, before the date the policy expires or the anniversary date of a policy written for a term longer than one year or with no fixed expiration date. (b) In addition to the requirements in (a) of this section, an insurer may not fail to renew a homeowner's insurance policy based solely on the earliest claim made by the insured within the three-year period immediately preceding the policy's annual anniversary if the claim arises from a criminal act committed by a third party. In this subsection, “homeowner's insurance” includes coverage described in AS 21.36.460(i)(7)(B) and (C). (c) If notice of nonrenewal is not given as required by this section, the existing policy shall continue until the insurer provides notice for the period required by this section for the policy. (d) This section does not apply (1) if the insurer has in good faith manifested its willingness to renew; (2) in case of nonpayment of premium for the expiring policy; (3) if the insured fails to pay the premium as required by the insurer for renewal; or (4) to business or commercial policies placed under AS 21.34.
AK Stat § 21.36.250 (2021)
2021 Alaska Statutes|Title 21. Insurance|Chapter 36. Trade Practices and Frauds|Article 2. Cancellations and Renewals.|Sec. 21.36.250. Cancellation or nonrenewal of automobile insurance.

When a policy of automobile liability insurance is cancelled, other than for nonpayment of premium, or is not renewed in accordance with AS 21.36.240, the insurer shall notify the named insured of possible eligibility for automobile insurance through the automobile assigned risk plan, or automobile insurance plan. The notification must accompany or be included in the notice of cancellation or nonrenewal required by AS 21.36.220 and 21.36.240.
AK Stat § 21.36.255 (2021)
2021 Alaska Statutes|Title 21. Insurance|Chapter 36. Trade Practices and Frauds|Article 2. Cancellations and Renewals.|Sec. 21.36.255. Premium return or credit.

(a) If an insurance policy is cancelled, rejected, or rescinded by the (1) insurer, the insurer shall return or credit any unearned premium paid to the agent or broker of record, or directly to the insured or premium finance company, if applicable; or (2) insured, the insurer shall return or credit any unearned premium to the agent or broker of record or directly to the insured or premium finance company, if applicable, less a cancellation fee not to exceed 7.5 percent of the unearned premium; a cancellation fee may not be charged unless the fee is clearly stated in the policy; the insurer shall return or credit the unearned premium less a lawful cancellation fee (A) within 45 days of receipt of the request for cancellation or the effective date of cancellation, whichever is later; or (B) if the policy is selected for audit, within 45 days of completion of an audit; the insurer shall perform and complete an audit within 45 days of receipt of the request for cancellation or the effective date of cancellation, whichever is later. (b) Notwithstanding (a) of this section, if the insurer clearly indicates one or more of the following features in the policy, an insurer may issue a policy (1) whose premium is earned at a varying rate due to seasonality of exposure; (2) that contains a minimum earned premium; or (3) with a fluctuating premium base.
AK Stat § 21.36.260 (2021)
2021 Alaska Statutes|Title 21. Insurance|Chapter 36. Trade Practices and Frauds|Article 2. Cancellations and Renewals.|Sec. 21.36.260. Proof and method of mailing notice.

If a notice is required from an insurer under this chapter, the insurer shall (1) mail the notice by first class mail to the last known address of the insured andobtain a certificate of mailing from the United States Postal Service; or (2) transmit the notice by electronic means, to the last known electronic address of the intended recipient, if the insurer can obtain an electronic confirmation of receipt by the intended recipient.