reglab/housing_qa huggingface dataset:
24-A ME Rev Stat § 2268 (2021)
2021 Maine Revised Statutes|TITLE 24-A: MAINE INSURANCE CODE|Chapter 24-B: MAINE INSURANCE DATA SECURITY ACT|24-A §2268. Confidentiality (WHOLE SECTION TEXT EFFECTIVE 1/1/22 by T. 24-A, §2272)

 §2268. Confidentiality (CONTAINS TEXT WITH VARYING EFFECTIVE DATES)(WHOLE SECTION TEXT EFFECTIVE 1/1/22 by T. 24-A, §2272)1.  Materials held confidential.  Documents, materials and other information in the control or possession of the bureau that are furnished by a licensee or an employee or agent acting on behalf of the licensee pursuant to section 2264, subsection 9 or section 2266, subsection 2, paragraph B, C, D, E, H, J or K or that are obtained by the superintendent in an investigation or examination pursuant to section 2267 are confidential by law and privileged, are not subject to Title 1, chapter 13, subchapter 1, are not subject to subpoena and are not subject to discovery or admissible in evidence in any private civil action; however, the superintendent is authorized to use the documents, materials and other information in the furtherance of any regulatory or legal action brought as a part of the superintendent's duties and to share them on a confidential basis in accordance with section 216, subsection 5.   [PL 2021, c. 24, §1 (NEW).] 2.  Private civil action.  Neither the superintendent nor any person who received documents, materials or other information while acting under the authority of the superintendent may be permitted or required to testify in any private civil action concerning any confidential documents, materials or other information subject to subsection 1.   [PL 2021, c. 24, §1 (NEW).] 3.  Disclosure not waiver.  Disclosure of information to the superintendent under this section or as a result of sharing as authorized in section 216, subsection 5 does not constitute a waiver of any applicable privilege or claim of confidentiality regarding the documents, materials or other information.   [PL 2021, c. 24, §1 (NEW).] 4.  Final actions.  This chapter may not be construed to prohibit the superintendent from releasing final, adjudicated actions that are open to public inspection pursuant to Title 1, chapter 13, subchapter 1 to a database or other clearinghouse service maintained by the National Association of Insurance Commissioners, its affiliates or subsidiaries or any successor organization.   [PL 2021, c. 24, §1 (NEW).] SECTION HISTORY PL 2021, c. 24, §1 (NEW).
24-A ME Rev Stat § 2270 (2021)
2021 Maine Revised Statutes|TITLE 24-A: MAINE INSURANCE CODE|Chapter 24-B: MAINE INSURANCE DATA SECURITY ACT|24-A §2270. Penalties (WHOLE SECTION TEXT EFFECTIVE 1/1/22 by T. 24-A, §2272)

 §2270. Penalties (CONTAINS TEXT WITH VARYING EFFECTIVE DATES)(WHOLE SECTION TEXT EFFECTIVE 1/1/22 by T. 24-A, §2272)The superintendent may take any enforcement action permitted under section 12-A against any person that violates any provision of this chapter.   [PL 2021, c. 24, §1 (NEW).]SECTION HISTORY PL 2021, c. 24, §1 (NEW).
24-A ME Rev Stat § 2271 (2021)
2021 Maine Revised Statutes|TITLE 24-A: MAINE INSURANCE CODE|Chapter 24-B: MAINE INSURANCE DATA SECURITY ACT|24-A §2271. Rules (WHOLE SECTION TEXT EFFECTIVE 1/1/22 by T. 24-A, §2272)

 §2271. Rules (CONTAINS TEXT WITH VARYING EFFECTIVE DATES)(WHOLE SECTION TEXT EFFECTIVE 1/1/22 by T. 24-A, §2272)The superintendent may adopt rules necessary to carry out the provisions of this chapter. Rules adopted pursuant to this section are routine technical rules as defined by Title 5, chapter 375, subchapter 2-A.   [PL 2021, c. 24, §1 (NEW).]SECTION HISTORY PL 2021, c. 24, §1 (NEW).
24-A ME Rev Stat § 2272 (2021)
2021 Maine Revised Statutes|TITLE 24-A: MAINE INSURANCE CODE|Chapter 24-B: MAINE INSURANCE DATA SECURITY ACT|24-A §2272. Effective date; implementation (WHOLE SECTION TEXT EFFECTIVE 1/1/22 by T. 24-A, §2272)

 §2272. Effective date; implementation (CONTAINS TEXT WITH VARYING EFFECTIVE DATES)(WHOLE SECTION TEXT EFFECTIVE 1/1/22 by T. 24-A, §2272)This chapter takes effect January 1, 2022. A licensee must comply with section 2264 no later than January 1, 2022, except that a licensee must comply with section 2264, subsection 6 no later than January 1, 2023.   [PL 2021, c. 24, §1 (NEW).]SECTION HISTORY PL 2021, c. 24, §1 (NEW).
24-A ME Rev Stat § 2391 (2021)
2021 Maine Revised Statutes|TITLE 24-A: MAINE INSURANCE CODE|Chapter 26: THE WORKERS' COMPENSATION RESIDUAL MARKET DEFICIT RESOLUTION AND RECOVERY ACT|24-A §2391. Title and scope of chapter

 §2391. Title and scope of chapter 1.  Title.  This chapter may be known and cited as "The Workers' Compensation Residual Market Deficit Resolution and Recovery Act."   [PL 1995, c. 289, §11 (NEW).] 2.  Scope.  This chapter establishes an efficient and effective mechanism for funding the obligations of the residual market mechanism in the State arising from workers' compensation insurance policies with initial effective dates or renewal dates between January 1, 1988 and December 31, 1992.   [PL 1995, c. 289, §11 (NEW).] SECTION HISTORY PL 1995, c. 289, §11 (NEW).
24-A ME Rev Stat § 2396 (2021)
2021 Maine Revised Statutes|TITLE 24-A: MAINE INSURANCE CODE|Chapter 26: THE WORKERS' COMPENSATION RESIDUAL MARKET DEFICIT RESOLUTION AND RECOVERY ACT|24-A §2396. Coordination of law

 §2396. Coordination of law 1.  Causes of action extinguished; exception.  Notwithstanding Title 1, section 302, a cause of action or administrative proceeding that could have been asserted or instituted, whether or not pending, prior to or on the effective date of this Act arising out of or relating to sections 2386 and 2386-A and their predecessor statutes, sections 2366 and 2367 or due to an insurer's performance as a servicing carrier or other participation in the residual market mechanism may not exist or be brought against the pool, the board or an insurer that has timely paid to the pool in full at least the allocated share pursuant to section 2393, subsection 1. This subsection does not apply to: claims by servicing carriers for quarterly reimbursement from the pool; claims arising from a written agreement among any of the major insurers and the pool relating to payment of the allocated share of a delinquent insurer pursuant to section 2393, subsection 1; claims by an individual policyholder against its insurer; or claims by employees for benefits under residual market policies.   [PL 1995, c. 289, §11 (NEW).] 2.  Repeal of chapter 720.  The Bureau of Insurance Rules, chapter 720, is repealed effective July 1, 1995. The collection procedures set forth in section 2393, subsection 2, paragraph D, subparagraph (2) apply to surcharges assessed under chapter 720 prior to the effective date of this chapter.   [PL 1995, c. 289, §11 (NEW).] 3.  Vacation of orders.  All orders of the superintendent relating to surcharges and assessments arising out of section 2386‑A are vacated except to the extent that they establish the amount and method of calculation of surcharges paid or to be paid by employers on policies issued or renewed with effective dates on or before June 30, 1995, and self-insurance plan years beginning on or before June 30, 1995. All other decisions, orders and rules issued and adopted by the superintendent relating to workers' compensation insurance are invalid to the extent that they are inconsistent with this chapter.   [PL 1995, c. 289, §11 (NEW).] SECTION HISTORY PL 1995, c. 289, §11 (NEW).
24-A ME Rev Stat § 2401 (2021)
2021 Maine Revised Statutes|TITLE 24-A: MAINE INSURANCE CODE|Chapter 27: THE INSURANCE CONTRACT|24-A §2401. Scope of chapter

 §2401. Scope of chapter This chapter applies as to all insurance contracts and annuity contracts, other than:   [PL 1969, c. 132, §1 (NEW).]1.  Reinsurance.   [PL 1969, c. 132, §1 (NEW).] 2.  Unless otherwise specifically indicated, policies or contracts not issued for delivery in this State nor delivered in this State; and   [PL 1993, c. 171, Pt. C, §1 (AMD).] 3.  Wet marine and transportation insurance.   [PL 1969, c. 132, §1 (NEW).] SECTION HISTORY PL 1969, c. 132, §1 (NEW). PL 1993, c. 171, §C1 (AMD).
24-A ME Rev Stat § 2402 (2021)
2021 Maine Revised Statutes|TITLE 24-A: MAINE INSURANCE CODE|Chapter 27: THE INSURANCE CONTRACT|24-A §2402. "Policy" defined

 §2402. "Policy" defined "Policy" means the written contract of or written agreement for or effecting insurance, by whatever name called, and includes all clauses, riders, endorsements and papers which are a part thereof.   [PL 1969, c. 132, §1 (NEW).]SECTION HISTORY PL 1969, c. 132, §1 (NEW).
24-A ME Rev Stat § 2403 (2021)
2021 Maine Revised Statutes|TITLE 24-A: MAINE INSURANCE CODE|Chapter 27: THE INSURANCE CONTRACT|24-A §2403. "Premium" defined

 §2403. "Premium" defined "Premium" is the consideration for insurance, by whatever name called. Any "assessment", or any "membership", "policy", "survey", "inspection", "service" or similar fee or other charge in consideration for an insurance contract is deemed part of the premium.   [PL 1969, c. 132, §1 (NEW).]SECTION HISTORY PL 1969, c. 132, §1 (NEW).
24-A ME Rev Stat § 2405 (2021)
2021 Maine Revised Statutes|TITLE 24-A: MAINE INSURANCE CODE|Chapter 27: THE INSURANCE CONTRACT|24-A §2405. Insurable interest -- exception when certain institutions designated beneficiary

 §2405. Insurable interest -- exception when certain institutions designated beneficiary 1.  Life insurance contracts may be entered into in which the person, trust or trustee paying the consideration for the insurance has no insurable interest in the life of the individual insured, where charitable, benevolent, educational or religious institutions, or their agencies, are designated irrevocably as the beneficiaries thereof.   [PL 1993, c. 320, §3 (AMD); PL 1993, c. 320, §5 (AFF).] 2.  In making such contracts, the person paying the premium shall make and sign the application therefor as owner or as settlor of a trust, and shall designate a charitable, benevolent, educational or religious institution, or any agency thereof, irrevocably as the beneficiary or beneficiaries of such contract. The application must be signed also by the individual whose life is to be insured.   [PL 1993, c. 320, §3 (AMD); PL 1993, c. 320, §5 (AFF).] 3.  Nothing in this section shall be deemed to prohibit any combination of the applicant, premium payer, owner, and beneficiary from being the same person.   [PL 1969, c. 132, §1 (NEW).] 4.  Such a contract shall be valid and binding among the parties thereto, notwithstanding the absence otherwise of an insurable interest in the life of the individual insured.   [PL 1969, c. 132, §1 (NEW).] SECTION HISTORY PL 1969, c. 132, §1 (NEW). PL 1993, c. 320, §3 (AMD). PL 1993, c. 320, §5 (AFF).
24-A ME Rev Stat § 2406 (2021)
2021 Maine Revised Statutes|TITLE 24-A: MAINE INSURANCE CODE|Chapter 27: THE INSURANCE CONTRACT|24-A §2406. Insurable interest, property

 §2406. Insurable interest, property 1.  No contract of insurance of property or of any interest in property or arising from property shall be enforceable as to the insurance except for the benefit of persons having an insurable interest in the things insured as at the time of the loss.   [PL 1969, c. 132, §1 (NEW).] 2.  "Insurable interest" as used in this section means any actual, lawful, and substantial economic interest in the safety or preservation of the subject of the insurance free from loss, destruction, or pecuniary damage or impairment.   [PL 1969, c. 132, §1 (NEW).] SECTION HISTORY PL 1969, c. 132, §1 (NEW).
24-A ME Rev Stat § 2407 (2021)
2021 Maine Revised Statutes|TITLE 24-A: MAINE INSURANCE CODE|Chapter 27: THE INSURANCE CONTRACT|24-A §2407. Power to contract -- purchase of insurance and annuities by minors

 §2407. Power to contract -- purchase of insurance and annuities by minors 1.  Any person of competent legal capacity may contract for insurance.   [PL 1969, c. 132, §1 (NEW).] 2.  Any minor not less than 15 years of age, nearest birthday, may, notwithstanding the minor's minority, contract for or own annuities, or insurance, or affirm by novation or otherwise preexisting contracts for annuities or insurance upon the minor's own life, body, health, property, liabilities or other interests, or on the persons of another in whom the minor has an insurable interest. Such a minor must, notwithstanding such minority, be deemed competent to exercise all rights and powers with respect to or under any contract for annuity or for insurance upon the minor's own life, body or health, or any contract such minor effected upon the minor's own property, liabilities or other interests, or any contract effected or owned by the minor on the person of another, as might be exercised by a person of full legal age, and may at any time surrender the minor's interest in any such contracts and give valid discharge for any benefit accruing or money payable thereunder. Such a minor may not, by reason of the minor's minority, be entitled to rescind, avoid or repudiate the contract, nor to rescind, avoid or repudiate any exercise of a right or privilege thereunder, except that such a minor not otherwise emancipated may not be bound by any unperformed agreement to pay by promissory note or otherwise, any premium on any such annuity or insurance contract.   [RR 2021, c. 1, Pt. B, §209 (COR).] 3.  Any annuity contract or policy of life or health insurance procured by or for a minor under subsection 2 must be made payable either to the minor or the minor's estate or to a person having an insurable interest in the life of the minor.   [RR 2021, c. 1, Pt. B, §210 (COR).] SECTION HISTORY PL 1969, c. 132, §1 (NEW). RR 2021, c. 1, Pt. B, §§209, 210 (COR).
24-A ME Rev Stat § 2408 (2021)
2021 Maine Revised Statutes|TITLE 24-A: MAINE INSURANCE CODE|Chapter 27: THE INSURANCE CONTRACT|24-A §2408. Consent of insured for health and life insurance

 §2408. Consent of insured for health and life insurance 1.  No life or health insurance contract upon an individual, including contracts which may arise under section 2404, subsection 3, paragraph D, may be made or effectuated, unless at the time of the making of the contract the individual insured, being of competent legal capacity to contract, applies for coverage or has provided written consent, except under the following circumstances.   A. A spouse may effectuate insurance upon the other spouse.   [PL 1989, c. 353, §3 (NEW).]B. Any person having an insurable interest in the life of a minor, or any person upon whom a minor is dependent for support and maintenance, may effectuate insurance upon the life of the minor.   [PL 1989, c. 353, §3 (NEW).]C. Family policies may be issued insuring 2 or more members of a family on an application signed by either parent, a stepparent or a spouse.   [PL 1989, c. 353, §3 (NEW).][PL 1989, c. 353, §3 (RPR).] 2.  This section does not apply to:   A. Group life insurance contracts other than group contracts which may arise under section 2404, subsection 3, paragraph D;   [PL 1989, c. 353, §3 (NEW).]B. Group annuity contracts; or   [PL 1989, c. 353, §3 (NEW).]C. Group or blanket health insurance contracts.   [PL 1989, c. 353, §3 (NEW).][PL 1989, c. 353, §3 (RPR).] SECTION HISTORY PL 1969, c. 132, §1 (NEW). PL 1989, c. 353, §3 (RPR).
24-A ME Rev Stat § 2409 (2021)
2021 Maine Revised Statutes|TITLE 24-A: MAINE INSURANCE CODE|Chapter 27: THE INSURANCE CONTRACT|24-A §2409. Alteration of application, life and health insurance

 §2409. Alteration of application, life and health insurance An alteration of any written application for any life or health insurance policy or annuity contract may not be made by any person other than the applicant without the applicant's written consent, except that insertions may be made by the insurer, for administrative purposes only, in such manner as to indicate clearly that such insertions are not to be ascribed to the applicant.   [RR 2021, c. 1, Pt. B, §211 (COR).]SECTION HISTORY PL 1969, c. 132, §1 (NEW). RR 2021, c. 1, Pt. B, §211 (COR).
24-A ME Rev Stat § 2410 (2021)
2021 Maine Revised Statutes|TITLE 24-A: MAINE INSURANCE CODE|Chapter 27: THE INSURANCE CONTRACT|24-A §2410. Application; statements; as evidence

 §2410. Application; statements; as evidence 1.  The insured shall not be bound by any statement made in an application for an individual life or health insurance policy or annuity contract, and the application shall not be admissible in evidence in any action relative to such policy or contract, unless a true copy of the application was attached to or endorsed on the policy or contract when issued as a part thereof. This provision shall not apply to industrial life insurance policies or to group life or group health insurance policies.   [PL 1969, c. 132, §1 (NEW).] 2.  If any policy of life or health insurance delivered in this State is reinstated or renewed, and the insured or the beneficiary or assignee of the policy makes written request to the insurer for a copy of the application, if any, for such reinstatement or renewal, the insurer shall within 30 days after receipt of such request at its home office, or branch office, deliver or mail to the person making such request a copy of such application reproduced by any legible means. If such copy is not so delivered or mailed after having been so requested, the insurer shall be precluded from introducing the application in evidence in any action or proceeding based upon or involving the policy or its reinstatement or renewal. In the case of such a request from a beneficiary or assignee, the time within which the insurer is required to furnish a copy of such application shall not begin to run until after receipt of evidence satisfactory to the insurer of the beneficiary's or assignee's vested interest in the policy or contract.   [PL 1969, c. 132, §1 (NEW).] 3.  As to kinds of insurance other than individual life or health insurance, no application for insurance signed by or on behalf of the insured shall be admissible in evidence in any action between the insured and the insurer arising out of the policy so applied for, if the insurer has failed, at the expiration of 30 days after receipt by the insurer of written demand therefor by or on behalf of the insured, to furnish to the insured a copy of such application reproduced by any legible means.   [PL 1969, c. 132, §1 (NEW).] SECTION HISTORY PL 1969, c. 132, §1 (NEW).
24-A ME Rev Stat § 2411 (2021)
2021 Maine Revised Statutes|TITLE 24-A: MAINE INSURANCE CODE|Chapter 27: THE INSURANCE CONTRACT|24-A §2411. Representations in applications

 §2411. Representations in applications All statements and descriptions in any application for insurance or for an annuity contract, by or in behalf of the insured or annuitant, are deemed to be representations and not warranties. Misrepresentations, omissions, concealment of facts and incorrect statements may not prevent a recovery under the policy or contract unless either:   [PL 1999, c. 223, §1 (AMD).]1.  Fraudulent; or   [PL 1969, c. 132, §1 (NEW).] 2.  Material either to the acceptance of the risk, or to the hazard assumed by the insurer, such that the insurer in good faith would either not have issued the insurance or contract, or would not have issued it at the same premium rate, or would not have issued insurance in as large an amount, or would not have provided coverage with respect to the hazard resulting in the loss, if the true facts had been made known to the insurer as required either by the application for the policy or contract or otherwise.   [PL 1999, c. 223, §1 (AMD).] 3.   [PL 1999, c. 223, §1 (RP).] To prevent a recovery under this section for any application for life, credit life, disability, long-term care, accidental injury, specified disease, hospital indemnity or credit or accident insurance, an insurer need only prove one of the acts described in this section, not an act under subsections 1 and 2.   [PL 1999, c. 223, §1 (NEW).]SECTION HISTORY PL 1969, c. 132, §1 (NEW). PL 1999, c. 223, §1 (AMD).
24-A ME Rev Stat § 2411-A (2021)
2021 Maine Revised Statutes|TITLE 24-A: MAINE INSURANCE CODE|Chapter 27: THE INSURANCE CONTRACT|24-A §2411-A. Payment of fees for filings

 §2411-A. Payment of fees for filings The superintendent may require insurers to pay filing fees for form and rate approval on a quarterly, biannual or annual basis.   [PL 1997, c. 457, §42 (NEW).]SECTION HISTORY PL 1997, c. 457, §42 (NEW).
24-A ME Rev Stat § 2414 (2021)
2021 Maine Revised Statutes|TITLE 24-A: MAINE INSURANCE CODE|Chapter 27: THE INSURANCE CONTRACT|24-A §2414. Standard provisions, in general

 §2414. Standard provisions, in general 1.  Insurance contracts shall contain such standard or uniform provisions as are required by the applicable provisions of this Title pertaining to contracts of particular kinds of insurance. The superintendent may waive the required use of a particular provision in a particular insurance policy form if:   A. The superintendent finds such provision unnecessary for or unrelated to the protection of the insured and inconsistent with the purposes of the policy; and   [RR 2021, c. 1, Pt. B, §213 (COR).]B. The policy is otherwise approved by the superintendent.   [RR 2021, c. 1, Pt. B, §214 (COR).][RR 2021, c. 1, Pt. B, §§213, 214 (COR).] 2.  A policy may not contain any provision inconsistent with or contradictory to any standard or uniform provision used or required to be used, but the superintendent may approve any substitute provision which is, in the superintendent's opinion, not less favorable in any particular to the insured or beneficiary than the provisions otherwise required.   [RR 2021, c. 1, Pt. B, §215 (COR).] 3.  In lieu of the provisions required by this Title for contracts for particular kinds of insurance, substantially similar provisions required by the law of the domicile of a foreign or alien insurer may be used when approved by the superintendent.   [PL 1973, c. 585, §12 (AMD).] 4.  A policy issued by a domestic insurer for delivery in another jurisdiction may contain or omit any provisions as required or permitted by the laws of such jurisdiction.   [PL 1969, c. 132, §1 (NEW).] 5.  This section does not apply as to the standard fire policy.   [PL 1969, c. 132, §1 (NEW).] SECTION HISTORY PL 1969, c. 132, §1 (NEW). PL 1973, c. 585, §12 (AMD). RR 2021, c. 1, Pt. B, §§213-215 (COR).
24-A ME Rev Stat § 2415 (2021)
2021 Maine Revised Statutes|TITLE 24-A: MAINE INSURANCE CODE|Chapter 27: THE INSURANCE CONTRACT|24-A §2415. Charter, bylaw provisions

 §2415. Charter, bylaw provisions No policy shall contain any provision purporting to make any portion of the charter, bylaws or other constituent document of the insurer (other than the subscriber's agreement or power of attorney of a reciprocal insurer) a part of the contract unless such portion is set forth in full in the policy. Any policy provision in violation of this section shall be invalid.   [PL 1969, c. 132, §1 (NEW).]SECTION HISTORY PL 1969, c. 132, §1 (NEW).
24-A ME Rev Stat § 2416 (2021)
2021 Maine Revised Statutes|TITLE 24-A: MAINE INSURANCE CODE|Chapter 27: THE INSURANCE CONTRACT|24-A §2416. Execution of policies

 §2416. Execution of policies 1.  Every insurance policy shall be executed in the name of and on behalf of the insurer by its officer, attorney in fact, employee, or representative duly authorized by the insurer.   [PL 1969, c. 132, §1 (NEW).] 2.  A facsimile signature of any such executing individual may be used in lieu of an original signature.   [PL 1969, c. 132, §1 (NEW).] 3.  No insurance contract heretofore or hereafter issued and which is otherwise valid shall be rendered invalid by reason of the apparent execution thereof on behalf of the insurer by the imprinted facsimile signature of an individual not authorized so to execute as of the date of the policy.   [PL 1969, c. 132, §1 (NEW).] SECTION HISTORY PL 1969, c. 132, §1 (NEW). PL 1973, c. 585, §12 (AMD).