reglab/housing_qa huggingface dataset:
MD. Insurance Code Ann. §  27-405 (2021)
2021 Maryland Statutes|Insurance|Title 27 - Unfair Trade Practices and Other Prohibited Practices|Subtitle 4 - Fraudulent Insurance Acts|Section 27-405 - Representations to Public by Unlicensed Persons

    (a)    It is a fraudulent insurance act for a person to act as or represent to the public that the person is:        (1)    an insurance producer or a public adjuster in the State if the person has not received the appropriate license under or otherwise complied with Title 10 of this article;        (2)    a navigator of the Small Business Health Options Program of the Maryland Health Benefit Exchange if the person has not received the appropriate license under or otherwise complied with § 31–112 of this article;        (3)    a navigator of the Individual Exchange of the Maryland Health Benefit Exchange if the person has not received the appropriate certification under or otherwise complied with § 31–113 of this article; or        (4)    an application counselor certified by the Individual Exchange of the Maryland Health Benefit Exchange if the person has not received the appropriate certification under or otherwise complied with § 31–113(r) of this article.    (b)    It is a fraudulent insurance act for an insurance producer:        (1)    to solicit or take application for, procure, or place for others insurance for which the insurance producer has not obtained an appropriate license;        (2)    knowingly to violate § 10–130 of this article; or        (3)    intentionally to fail to report to an insurer the exact amount of consideration charged as a premium for an insurance contract, if different from the policy premium, and to fail to maintain records that show that information.
MD. Insurance Code Ann. §  27-406 (2021)
2021 Maryland Statutes|Insurance|Title 27 - Unfair Trade Practices and Other Prohibited Practices|Subtitle 4 - Fraudulent Insurance Acts|Section 27-406 - False Applications and Statements; Unregulated Insurers

    It is a fraudulent insurance act for a person:         (1)    knowingly or willfully to make a false or fraudulent statement or representation in or with reference to an application for insurance;        (2)    to place insurance with an unauthorized insurer not regulated by the Commissioner and refuse to obey an order of the Commissioner to produce for examination all policies and other documents that evidence the insurance and the amount of premiums paid or agreed to be paid for the insurance;        (3)    if a certificate of authority is required, to operate an insurer or conduct an insurance business without obtaining a certificate of authority issued by the Commissioner;        (4)    to make a false sworn statement that the person does not believe to be true about matter material to an examination, investigation, or hearing conducted by the Commissioner; or        (5)    with intent to deceive, knowingly to exhibit a false account, document, or advertisement about the affairs of an insurer.
MD. Insurance Code Ann. §  27-406.1 (2021)
2021 Maryland Statutes|Insurance|Title 27 - Unfair Trade Practices and Other Prohibited Practices|Subtitle 4 - Fraudulent Insurance Acts|Section 27-406.1 - Fraudulent Insurance Acts of Individual Sureties

    (a)    In this section, “individual surety” means a person that:        (1)    issues surety bonds or contracts of surety insurance; and        (2)    does not have a certificate of authority issued by the Commissioner.    (b)    It is a fraudulent insurance act for an individual surety to solicit or issue a surety bond or contract of surety insurance except as provided in:        (1)    §§ 13–207 and 17–104 of the State Finance and Procurement Article; and        (2)    for an uncompensated person, §§ 5–203 and 5–204 of the Criminal Procedure Article.
MD. Insurance Code Ann. §  27-407 (2021)
2021 Maryland Statutes|Insurance|Title 27 - Unfair Trade Practices and Other Prohibited Practices|Subtitle 4 - Fraudulent Insurance Acts|Section 27-407 - Solicitation

    (a)    It is a fraudulent insurance act for:        (1)    a person, for personal gain, to solicit an individual injured by or in a motor vehicle to sue or retain a lawyer to represent that individual in a lawsuit;        (2)    a person, for personal gain, to solicit an individual injured by or in a motor vehicle to seek care from a health care practitioner; and        (3)    a lawyer or health care practitioner to employ, directly or indirectly, or in any way compensate a person for the purpose of having that person solicit or attempt to solicit clients for the lawyer or health care practitioner.    (b)    This section does not prohibit public communications or activity allowed by applicable rules of professional conduct or activity protected under the State or federal Constitution.
MD. Insurance Code Ann. §  27-407.1 (2021)
2021 Maryland Statutes|Insurance|Title 27 - Unfair Trade Practices and Other Prohibited Practices|Subtitle 4 - Fraudulent Insurance Acts|Section 27-407.1 - Intentional Motor Vehicle Accident

    It is a fraudulent insurance act for a person, with the purpose of submitting a claim under a policy of motor vehicle insurance, to organize, plan, or knowingly participate in:        (1)    an intentional motor vehicle accident; or        (2)    a scheme to create documentation of a motor vehicle accident that did not occur.
MD. Insurance Code Ann. §  27-407.2 (2021)
2021 Maryland Statutes|Insurance|Title 27 - Unfair Trade Practices and Other Prohibited Practices|Subtitle 4 - Fraudulent Insurance Acts|Section 27-407.2 - Compensation for Deductible

    It is a fraudulent insurance act for a contractor offering home repair or remodeling services for damages to a private residence caused by weather, to directly or indirectly pay or otherwise compensate an insured, or offer or promise to pay or compensate an insured, with the intent to defraud an insurer, for any part of the insured’s deductible under the insured’s property or casualty insurance policy, if payment for the services will be made from the proceeds of the policy.
MD. Insurance Code Ann. §  27-504 (2021)
2021 Maryland Statutes|Insurance|Title 27 - Unfair Trade Practices and Other Prohibited Practices|Subtitle 5 - Discrimination|Section 27-504 - Discrimination Based on Domestic Violence

    (a)    (1)    In this section the following words have the meanings indicated.        (2)    “Abuse” has the meaning stated in § 4–501 of the Family Law Article.        (3)    “Cohabitant” means an individual who has had a sexual relationship with another individual with whom the individual has resided for a period of at least 90 days.        (4)    “Victim of domestic violence” means an individual who:            (i)    has received deliberate, severe, and demonstrable physical injury from a current or former spouse or current or former cohabitant; or            (ii)    is in fear of imminent deliberate, severe, and demonstrable physical injury from a current or former spouse or current or former cohabitant.    (b)    Except as otherwise provided in this article, if an individual is a victim of domestic violence or subject to abuse, an insurer, nonprofit health service plan, or health maintenance organization may not use information about abuse or the individual’s status as a victim of domestic violence to:        (1)    cancel, refuse to underwrite or renew, or refuse to issue a policy of life insurance or health insurance or a health benefits plan;        (2)    refuse to pay a claim, cancel, or otherwise terminate a policy of life insurance or health insurance or a health benefits plan;        (3)    increase rates for life insurance, health insurance, or a health benefits plan; or        (4)    for policies of life insurance or health benefits plans, add a surcharge, apply a rating factor, or use any other underwriting practice that adversely takes the information into account.    (c)    If an insurer acts in good faith, the insurer is not subject to tort liability for a cause of action arising from the insurer’s lawful issuance of and lawful compliance with a policy of life insurance on an insured who subsequently suffers abuse or is a victim of domestic violence.    (d)    This section does not require an insurer:        (1)    to make a payment to an individual who willfully caused an injury that gave rise to a loss under a policy of life insurance; or        (2)    to issue, without the consent of the proposed insured, life insurance or disability income insurance to an applicant known to have abused the proposed insured.    (e)    This section may not be interpreted to preclude an insurer or a health maintenance organization from using mental or physical medical conditions, regardless of cause, in determining the eligibility, rate, or underwriting classification of the applicant, insured, member, or subscriber.
MD. Insurance Code Ann. §  27-504.1 (2021)
2021 Maryland Statutes|Insurance|Title 27 - Unfair Trade Practices and Other Prohibited Practices|Subtitle 5 - Discrimination|Section 27-504.1 - Prohibition Against Discrimination Against Victims of Crimes of Violence

    (a)    (1)    In this section the following words have the meanings indicated.        (2)    “Crime of violence” has the meaning stated in § 14–101 of the Criminal Law Article.        (3)    “Victim” means a policyholder or claimant who suffers personal injury, death, or property loss as a result of a crime of violence.    (b)    Except as otherwise provided in this article, if an individual is a victim of a crime of violence, an insurer may not, based solely on information about the individual’s status as a victim of a crime of violence:        (1)    cancel, refuse to underwrite or renew, or refuse to issue a policy of homeowner’s insurance;        (2)    refuse to pay a claim under a policy of homeowner’s insurance; or        (3)    for a policy of homeowner’s insurance, increase a premium, add a surcharge, apply a rating factor, retier a policy, remove a discount, or take any other adverse underwriting or rating action.    (c)    (1)    If a policy of homeowner’s insurance excludes property coverage for intentional acts, the insurer may not deny payment for a loss to a victim who:            (i)    is an innocent coinsured;            (ii)    did not commit, cause to be committed, or direct the crime of violence leading to the loss; and            (iii)    cooperates in any criminal investigation, including the filing of an official police report, and if undertaken, any prosecution of the perpetrator.        (2)    Payment to the innocent coinsured may be limited to the amount of the loss up to the homeowner’s insurance policy limits, less any applicable deductible and coinsurance and any payment to any secured party.        (3)    An insurer may exclude property owned solely by the perpetrator from coverage under the policy of homeowner’s insurance.        (4)    An insurer making payment to the innocent coinsured under this section shall have the right of subrogation against the perpetrator who committed, caused to be committed, or directed the crime of violence leading to the loss.    (d)    This section does not:        (1)    require payment in excess of a homeowner’s insurance policy limits;        (2)    prohibit an insurer from applying reasonable standards of proof of a claim; or        (3)    prohibit an insurer or insurance producer from:            (i)    asking an applicant, a policyholder, or a claimant about a claim under this section; or            (ii)    using information obtained by investigation to evaluate a claim and exercise the insurer’s rights and perform its duties.
MD. Insurance Code Ann. §  27-505 (2021)
2021 Maryland Statutes|Insurance|Title 27 - Unfair Trade Practices and Other Prohibited Practices|Subtitle 5 - Discrimination|Section 27-505 - Violations; Judicial Review

    (a)    (1)    If the Commissioner finds that an insurer has violated § 27–501, § 27–503, § 27–504, or § 27–504.1 of this subtitle, the Commissioner, in addition to any other power granted by this article, may order the insurer to accept the risk, or accept the business, as appropriate.        (2)    (i)    With respect to medical professional liability insurance, the Commissioner shall issue a finding within 90 days after receiving a request to review the cancellation or refusal to renew a policy under § 27–501(f) of this subtitle.            (ii)    A medical professional liability insurer may terminate the policy if:                1.    the Commissioner fails to issue a finding within 90 days after receiving a request to review the cancellation or refusal to renew; or                2.    the Commissioner finds that the policy may be canceled or not renewed and issued the finding within 90 days after receiving a request to review the cancellation or refusal to renew.            (iii)    If a medical professional liability insurer terminates the policy under subparagraph (ii)1 of this paragraph and the Commissioner subsequently issues a finding that the insurer may not cancel or refuse to renew the policy:                1.    the insurer immediately shall reinstate the policy; and                2.    the reinstatement shall be retroactive to the date that the policy was terminated.    (b)    A party to a hearing or proceeding under this subtitle may appeal from the hearing, proceeding, or a decision of the Commissioner in accordance with § 2-215 of this article.
MD. Insurance Code Ann. §  27-601 (2021)
2021 Maryland Statutes|Insurance|Title 27 - Unfair Trade Practices and Other Prohibited Practices|Subtitle 6 - Cancellations, Nonrenewals, Premium Increases, and Reductions in Coverage|Section 27-601 - Definitions

    (a)    In this subtitle the following words have the meanings indicated.    (b)    (1)    “Commercial insurance” means property insurance or casualty insurance issued to an individual, a sole proprietor, partnership, corporation, limited liability company, or similar entity and intended to insure against loss arising from the business pursuits of the insured entity.        (2)    “Commercial insurance” does not include:            (i)    policies issued by the Maryland Automobile Insurance Fund;            (ii)    policies issued by the Joint Insurance Association;            (iii)    workers’ compensation insurance; or            (iv)    title insurance.    (c)    (1)    “Personal insurance” means property insurance or casualty insurance issued to an individual, trust, estate, or similar entity that is intended to insure against loss arising principally from the personal, noncommercial activities of the insured.        (2)    “Personal insurance” does not include:            (i)    motor vehicle liability insurance policies subject to § 27-613 of this subtitle;            (ii)    policies issued by the Maryland Automobile Insurance Fund;            (iii)    policies issued by the Joint Insurance Association; or            (iv)    surety insurance.
MD. Insurance Code Ann. §  27-601.1 (2021)
2021 Maryland Statutes|Insurance|Title 27 - Unfair Trade Practices and Other Prohibited Practices|Subtitle 6 - Cancellations, Nonrenewals, Premium Increases, and Reductions in Coverage|Section 27-601.1 - Transfers of Policy Holders Between Insurers Within Same Insurance Holding Company System as Renewal

    (a)    For purposes of this subtitle, with respect to policies of personal insurance, private passenger motor vehicle liability insurance, commercial insurance, and workers’ compensation insurance, the issuance by an insurer of a new policy to replace an expiring policy issued by that insurer is a renewal.    (b)    For purposes of this subtitle, with respect to policies of personal insurance, private passenger motor vehicle liability insurance, commercial insurance, and workers’ compensation insurance, the issuance by an insurer of a new policy to replace an expiring policy issued by another admitted insurer within the same insurance holding company system, as defined in § 7–101 of this article, is a renewal if:        (1)    the policyholder’s premium does not increase; and        (2)    the policyholder does not experience a reduction in coverage.
MD. Insurance Code Ann. §  27-604 (2021)
2021 Maryland Statutes|Insurance|Title 27 - Unfair Trade Practices and Other Prohibited Practices|Subtitle 6 - Cancellations, Nonrenewals, Premium Increases, and Reductions in Coverage|Section 27-604 - Statement of Actual Reason for Cancellation of or Refusal to Renew Policy

    (a)    (1)    This section applies only to policies of personal insurance and insurance issued under the Maryland Property Insurance Availability Act or any similar act instituted to ensure the availability of insurance.        (2)    This section does not apply to policies in effect for 45 days or less, as provided in § 12-106 of this article.    (b)    (1)    Whenever an insurer cancels or refuses to renew a policy subject to this section, the insurer must provide to the named insured a statement of the actual reason for the cancellation or refusal to renew.        (2)    The Commissioner may not disallow a proposed action of an insurer because the statement of actual reason contains:            (i)    grammatical, typographical, or other errors, if the errors are not material to the proposed action and are not misleading;            (ii)    surplus information, if the surplus information is not misleading; or            (iii)    erroneous information, if in the absence of the erroneous information there is a sufficient basis to support the proposed action.    (c)    A statement of actual reason is privileged and does not constitute grounds for an action against the insurer, its representatives, or another person that in good faith provides to the insurer information on which the statement is based.    (d)    (1)    The reason given in the statement of actual reason shall be clear and specific.        (2)    The use of generalized terms such as “personal habits”, “physical handicap or disability”, “living conditions”, “poor morals”, or “violation or accident record” does not meet the requirement of this subsection.
MD. Insurance Code Ann. §  27-605 (2021)
2021 Maryland Statutes|Insurance|Title 27 - Unfair Trade Practices and Other Prohibited Practices|Subtitle 6 - Cancellations, Nonrenewals, Premium Increases, and Reductions in Coverage|Section 27-605 - Statement of Actual Reason for Cancellation or Refusal to Renew Commercial Insurance Policy

    (a)    (1)    This section applies only to policies of commercial insurance.        (2)    This section does not apply to:            (i)    policies in effect for 45 days or less, as provided in § 12–106 of this article; or            (ii)    policies issued to exempt commercial policyholders under § 11–206 of this article, if the policies provide for written notice of not less than 30 days of the insurer’s intent to cancel or nonrenew.    (b)    (1)    Whenever an insurer cancels or refuses to renew a policy subject to this section for a reason other than nonpayment of premium, the insurer must provide to the named insured a written statement of the actual reason for the cancellation or refusal to renew.        (2)    The reason given in the statement of actual reason shall be clear and specific.        (3)    The statement shall include the insurer’s offer to provide additional information in support of the proposed action upon the written request of the insured and an address for the insured to submit the request.        (4)    A written request for information under this subsection shall be sent not more than 30 days from the date of the notice containing the actual reason.        (5)    On receiving a written request from an insured for additional information under this subsection and prior to the effective date of the proposed action, an insurer shall respond in writing within 15 days.        (6)    Except as provided in § 27–501 of this title, a request for additional information under this section does not stay the proposed action.    (c)    The Commissioner may not disallow a proposed action of an insurer because the statement of actual reason contains:        (1)    grammatical, typographical, or other errors, if the errors are not material to the proposed action and are not misleading;        (2)    surplus information, if the surplus information is not misleading; or        (3)    erroneous information, if in the absence of the erroneous information there is a sufficient basis to support the proposed action.    (d)    Information concerning the actual reason is privileged and does not constitute grounds for an action against the insurer, the insurer’s representatives, an insurance producer, or any other person that in good faith provides information on which the statement is based.
MD. Insurance Code Ann. §  27-607 (2021)
2021 Maryland Statutes|Insurance|Title 27 - Unfair Trade Practices and Other Prohibited Practices|Subtitle 6 - Cancellations, Nonrenewals, Premium Increases, and Reductions in Coverage|Section 27-607 - Notice of Amount of Renewal and Expiring Policy Premiums

    (a)    This section applies only to policies of personal insurance and insurance issued under the Maryland Property Insurance Availability Act or any similar act instituted to ensure the availability of property insurance.    (b)    At least 45 days prior to the renewal date of a policy subject to this section, the insurer shall send a notice to the named insured and the insurance producer, if any, by first-class mail stating both the amount of the renewal policy premium and the amount of the expiring policy premium.
MD. Insurance Code Ann. §  27-608.1 (2021)
2021 Maryland Statutes|Insurance|Title 27 - Unfair Trade Practices and Other Prohibited Practices|Subtitle 6 - Cancellations, Nonrenewals, Premium Increases, and Reductions in Coverage|Section 27-608.1 - Transfer of Policyholder Between Insurers

    (a)    This section applies to policies of commercial insurance and policies of workers’ compensation insurance.    (b)    (1)    If a policyholder is being transferred between admitted insurers within the same insurance holding company system, as defined in § 7–101 of this article, the insurer providing the new policy shall provide notice of the transfer to the policyholder.        (2)    An insurer shall be considered to have met the notice requirement of this section if the insurer has sent to the named insured a renewal policy that includes a notice of transfer, or a notice on the declaration page of the renewal policy, notifying the insured that the policy has been transferred from the prior named insurer to the new or renewing named insurer.