reglab/housing_qa huggingface dataset:
215 ILCS 5/143.10a
2021 Illinois Compiled Statutes|Chapter 215 - INSURANCE|215 ILCS 5/ - Illinois Insurance Code.|Article IX - Provisions Applicable To All Companies

 (from Ch. 73, par. 755.10a)Sec. 143.10a.     Loss Information.(1) All companies issuing policies to  which Section 143.11 of this Code applies, except for those defined in  subsections (a), (b) and (c) of  Section 143.13 of this Code and to which subsection (o) of Section 19 of  the Workers' Compensation Act applies, shall on or after January 1, 1987,  provide the following loss information for the 3 previous policy years to  the first named insured within 30 days of the insured's request.  At the  written request of the insured, the company shall send the loss information  directly to the insured's producer.  In  addition, the company shall also send the loss information at the  same time as any notice of cancellation or nonrenewal, except where the  policy has been cancelled for nonpayment of premium, material  misrepresentations or fraud on the part of the insured:(a) On closed claims, date and description of     occurrence, and total amounts of payments;(b) On open claims, date and description of     occurrence, total amount of payments and total reserves, if any; and(c) For any occurrence not included in (a) or (b) of     this subsection (1), the date and description of occurrence and total reserves, if any.(2) Should a named insured be required by a prospective insurer to  provide detailed loss information in addition to that required under  subsection (1) of this Section, the named insured may mail  or deliver a written request to the insurer for such additional  information, including specific loss reserves. No prospective insurer shall  request, however, more detailed information than required by it to  underwrite the same line or class of insurance. The insurer shall provide  such information to the first named insured as soon as possible, but in no  event later than 20 days of receipt of such request.  Coverage under the existing policy  shall automatically be extended at the same terms and conditions by the  same number of days it takes the insurer to provide the insured with this  additional information.(3) The Director may promulgate regulations to exclude the automatic  providing of the loss information at the time of cancellation or renewal as  outlined in subsection (1) of this Section for any line or class of  insurance where it can be shown that the information is not needed for that  line or class of insurance.(4) If a company fails to provide the information as required by this  Section with such frequency so as to indicate a practice of refusing to  provide such information, such failure shall constitute an unfair trade  practice as defined in Section 424 and subject to those hearing and penalty  provisions as set forth in Sections 425 through 434.(5) Information provided under subsection (2) of this Section shall not  be subject to discovery by any party other than the insured, the insurer,  and the prospective insurer.    (Source: P.A. 93-155, eff. 7-10-03.)
215 ILCS 5/143.10b
2021 Illinois Compiled Statutes|Chapter 215 - INSURANCE|215 ILCS 5/ - Illinois Insurance Code.|Article IX - Provisions Applicable To All Companies

 (from Ch. 73, par. 755.10b)Sec. 143.10b.     Loss information, private passenger automobile.(1) All companies issuing a "policy of automobile insurance" as defined  in paragraph (a) of Section 143.13 of this Code shall, on or after January 1,  1990, provide the following loss information for the 5 previous  policy years to the named insured within 30 days of the insured's written  request:(a) on closed claims, date and description of     occurrence, and total amount of payments;(b) on open claims, date and description of     occurrence and total amount of payments;(c) for any occurrence not included in (a) or (b) of     this subsection, the date and description of occurrence.(2) If a company fails to provide the information as required by this  Section with such frequency so as to indicate a practice of refusing to  provide such information, such failure shall constitute an unfair trade  practice as defined in Section 424 and subject to those hearing and penalty  provisions as set forth in Sections 425 through 434 of this Code.    (Source: P.A. 90-196, eff. 1-1-98.)
215 ILCS 5/143.10c
2021 Illinois Compiled Statutes|Chapter 215 - INSURANCE|215 ILCS 5/ - Illinois Insurance Code.|Article IX - Provisions Applicable To All Companies

 (from Ch. 73, par. 755.10c)Sec. 143.10c.         No insurance company that is authorized to do business  in this State and which issues policies for personal multiperil property  coverage, commonly known as homeowners insurance, may refuse to issue or  renew a homeowners insurance policy to the owner or tenant of any single  family dwelling, or to any owner of or tenant residing in a multi-unit  residential dwelling which contains from 2 to 4 units in a single building,  solely on the grounds that a space heater is being used inside the dwelling.For purposes of this Section space heater means a heat radiating  device used to warm rooms of  a house or apartment and which is approved by Underwriters' Laboratories  and uses gas, electricity or oil as its primary source of energy.    (Source: P.A. 86-174; 86-1028.)
215 ILCS 5/143.10d
2021 Illinois Compiled Statutes|Chapter 215 - INSURANCE|215 ILCS 5/ - Illinois Insurance Code.|Article IX - Provisions Applicable To All Companies

Sec. 143.10d. Claim information for a dog-related incident.(a)     An insurance company offering homeowner's insurance coverage or renter's insurance coverage that issues a policy or contract insuring against liability for injury to a person or injury to or destruction of property arising out of the ownership, lease, or rental of residential property shall, to the best of their ability, for any claim involving a dog-related incident, record circumstances relating to the incident, including, but not limited to:(1)   the breed of dog, and, if the breed was made by     visual identification, who made the identification: the adjuster, the owner, or the insured;(2)   where the owner or insured obtained the dog     from: a pet store, a breeder, an animal shelter or rescue, a friend or acquaintance, or found the dog as a stray;(3)   the sex of the dog and whether the dog was     spayed or neutered;(4)   whether the person injured by the dog was     observed engaging in teasing, tormenting, battering, assaulting, injuring, or otherwise provoking the dog;(5)   the type of injury sustained by the victim,     such as a bite or fall;(6)   whether the incident occurred on the insured's     property or another location; and(7)   any obedience training or previous claims or     past complaints against the dog.(b)    This information shall be collected for a 2-year period beginning on January 1, 2022 and shall be reported annually to the Department. The Department shall make the information available on the Department's website by July 1, 2023 and shall update the information each July 1 through July 1, 2024. The information or data collected by the Department shall not be released or published in any way that violates the confidentiality or proprietary status or nature of the data.  (Source: P.A. 102-328, eff. 1-1-22.)
215 ILCS 5/143.11
2021 Illinois Compiled Statutes|Chapter 215 - INSURANCE|215 ILCS 5/ - Illinois Insurance Code.|Article IX - Provisions Applicable To All Companies

 (from Ch. 73, par. 755.11)Sec. 143.11.     Cancellation Provisions.     All companies authorized to  transact in this State the kinds of business enumerated in Section 4 of  the "Illinois Insurance Code" shall include in their policies, except  life, accident and health, fidelity and surety, and ocean marine policies,  a cancellation provision setting out the manner in which such policies may be  cancelled.  However, nothing contained in Section 143.12 through Section  143.24 shall apply to contracts of reinsurance or to contracts procured  by agents under the authority of Section 445.    (Source: P.A. 80-1365.)
215 ILCS 5/143.11a
2021 Illinois Compiled Statutes|Chapter 215 - INSURANCE|215 ILCS 5/ - Illinois Insurance Code.|Article IX - Provisions Applicable To All Companies

 (from Ch. 73, par. 755.11a)Sec. 143.11a.     Termination of Lines of Business.     No company  authorized to transact, in this State, the kinds of business enumerated in  Section 4 of this Code, except life, accident and  health, fidelity and surety, and ocean marine policies, may terminate any  line of insurance without notifying the Director of the action as well as  reasons for the action, 90 days before termination of any policy is  effective.  The notice shall include all data relied upon by the company as  the basis for such action and shall disclose whether the company offers and  will continue to offer such kinds of insurance in any other State. For the  purposes of  this Section, termination of a line of  insurance shall mean cancellation or non-renewal of a substantial portion  of any type of business for the purpose of withdrawing from the market.    (Source: P.A. 84-1431.)
215 ILCS 5/143.11b
2021 Illinois Compiled Statutes|Chapter 215 - INSURANCE|215 ILCS 5/ - Illinois Insurance Code.|Article IX - Provisions Applicable To All Companies

Sec. 143.11b. Assignment or transfer of property and casualty policies. An assignment or transfer of a policy of insurance to which Section 143.11  applies among or between insurers within an insurance holding company system or  insurers under common management or control, or as a result of a merger,  acquisition,  or restructuring of an insurance company, is not a nonrenewal  for purposes of the notification requirements under Sections 143.12 through  143.24.  However,  in the event of an increase in the renewal premium of 30% or more, change in  deductibles or change in coverage that materially alters any policy to which  subsection b of Section 143.17a applies, the company shall adhere to the  provisions set forth in  subsection b of Section 143.17a.  A company making an assignment or transfer of  a policy among or between insurers within an insurance holding company system  or insurers under common management or control, or as a result of a merger,  acquisition, or restructuring of an insurance company, shall  have delivered to the named insured notice of such assignment or transfer at  least 60 days prior to the renewal date.  An exact and unaltered copy of the  notice shall also be sent to the insured's producer, if known, and agent of  record.  The assignment or transfer of a policy or policies of insurance among  or between  insurers shall not occur without the producer or agent of record, or both,  having a signed agency contract with the entity to  which the policy or policies are to be assigned or transferred.  If there is  not a signed agency contract, all of the notice requirements of Sections 143.17  and 143.17a shall apply.  Nothing in  this Section shall contravene any existing producer and company contract  rights. For purposes of this Section, the insured's producer, if known, and agent of record may opt to accept notification of assignment or transfer of policies electronically.       (Source: P.A. 93-713, eff. 1-1-05.)
215 ILCS 5/143.12
2021 Illinois Compiled Statutes|Chapter 215 - INSURANCE|215 ILCS 5/ - Illinois Insurance Code.|Article IX - Provisions Applicable To All Companies

 (from Ch. 73, par. 755.12)Sec. 143.12.     "Short rate" cancellation.     Notice required.  No agent, broker or other representative or employee of any insurance  company shall recommend, advise, suggest or require the  cancellation of  any insurance policy of the insurer which he represents, or of any other  insurer at any time other than the policy anniversary or expiration  date, unless he informs the insured in writing of the additional cost of  such cancellation before the insured is requested or required to take  action to cancel or terminate the policy which is then in force.    (Source: P.A. 79-686.)
215 ILCS 5/143.12a
2021 Illinois Compiled Statutes|Chapter 215 - INSURANCE|215 ILCS 5/ - Illinois Insurance Code.|Article IX - Provisions Applicable To All Companies

 (from Ch. 73, par. 755.12a)Sec. 143.12a.     Automobile insurance; pro rata refund of unearned premium.(a) In the event of the cancellation of a policy of automobile  insurance, as defined in Section 143.13, by either the company or the  policyholder, the company shall refund the unearned premium pro rated to  the date of cancellation.  In no event may the refund of unearned premium  be computed by use of a short rate table.  Refund of the premium shall be  without prejudice to any claim arising  prior to the cancellation.(b) The refund shall be made by the company within 30 days from the  following:(1) the date of the notice of cancellation by the     company; or(2) the date the company receives the request for     cancellation from the policyholder.   (Source: P.A. 86-1408.)
215 ILCS 5/143.13a
2021 Illinois Compiled Statutes|Chapter 215 - INSURANCE|215 ILCS 5/ - Illinois Insurance Code.|Article IX - Provisions Applicable To All Companies

Sec. 143.13a. Coverage for permissive drivers. Any policy of private passenger automobile insurance must provide the same limits of bodily injury liability, property damage liability, uninsured and underinsured motorist bodily injury, and medical payments coverage to all persons insured under that policy, whether or not an insured person is a named insured or  permissive user under the policy.  If the policy insures more than one private passenger automobile, the limits available to the permissive user shall be the limits associated with the vehicle used by the permissive user when the loss occurs.  (Source: P.A. 95-395, eff. 1-1-08.)
215 ILCS 5/143.15
2021 Illinois Compiled Statutes|Chapter 215 - INSURANCE|215 ILCS 5/ - Illinois Insurance Code.|Article IX - Provisions Applicable To All Companies

 (from Ch. 73, par. 755.15)Sec. 143.15. Mailing of cancellation notice. All notices of  cancellation of insurance as  defined in subsections (a), (b) and (c) of Section 143.13 must  be mailed at least 30 days prior to the effective date of  cancellation to the named insured; however, if  cancellation is for nonpayment of premium, the notice of cancellation must be mailed at least 10 days before the effective date of the cancellation to the last mailing address known to the company.  All  notices of cancellation to the named insured shall include a specific explanation of  the reason or reasons for cancellation. For purposes of this Section, the mortgagee or lien holder, if known, may opt to accept notification electronically.    (Source: P.A. 100-475, eff. 1-1-18.)
215 ILCS 5/143.16
2021 Illinois Compiled Statutes|Chapter 215 - INSURANCE|215 ILCS 5/ - Illinois Insurance Code.|Article IX - Provisions Applicable To All Companies

 (from Ch. 73, par. 755.16)Sec. 143.16. Mailing of cancellation notice. All notices of  cancellation of insurance to which Section  143.11 applies, except for those defined in subsections (a), (b) and (c) of  Section 143.13 must be mailed at least 30 days prior to the effective date  of cancellation during the first 60 days of coverage.  After the coverage  has been effective for 61 days or more, all notices must be mailed at least  60 days prior to the effective date of cancellation. However, where cancellation is for nonpayment of premium, the notice of cancellation must be mailed at least 10 days before the effective date of the cancellation. All such notices shall  include a specific explanation of  the reason or reasons for cancellation  and shall be mailed to the named insured at the last mailing address known to the company. For purposes of this Section, the mortgagee or lien holder, if known, may opt to accept notification electronically.    (Source: P.A. 100-475, eff. 1-1-18.)
215 ILCS 5/143.16a
2021 Illinois Compiled Statutes|Chapter 215 - INSURANCE|215 ILCS 5/ - Illinois Insurance Code.|Article IX - Provisions Applicable To All Companies

 (from Ch. 73, par. 755.16a)Sec. 143.16a.     Cancellation of Casualty policies.     No policy  to which Section 143.11 applies, except for those defined in subsection (a)  or (b) of Section 143.13, that has been in  effect for 60 days may be cancelled except for one  of the following reasons:(a) Nonpayment of premium;(b) The policy was obtained through a material misrepresentation;(c) Any insured violated any of the terms and conditions of the policy;(d) The risk originally accepted has measurably increased;(e) Certification to the Director of the loss of reinsurance by the  insurer which provided coverage to the  insurer for all or a substantial part of the underlying risk insured; or(f) A determination by the Director that the continuation of the policy  could place the insurer in violation of the insurance laws of this State.    (Source: P.A. 84-1005.)
215 ILCS 5/143.16b
2021 Illinois Compiled Statutes|Chapter 215 - INSURANCE|215 ILCS 5/ - Illinois Insurance Code.|Article IX - Provisions Applicable To All Companies

 (from Ch. 73, par. 755.16b)Sec. 143.16b.     Premium Refunds for Drought Insurance.     Whenever a person  has submitted payment of premium for the purchase of drought insurance  described in clause (b) of Class 3 of Section 4 of this Code to an insurer  or one of its subsidiaries, employees, agents, or producers, the insurer  shall have a duty, within 10 business days of receipt of such premium  payment, to either:(a) refund the premium payment in full; or(b) accept the premium payment, and provide to the person who has offered  such payment policy coverage in full conformity with representations of any  application, declaration, binder, or contract of policy coverage issued by  the insurer or one of its subsidiaries, employees, agents or producers.This Section shall not apply to insurance provided, guaranteed or  reinsured pursuant to the Federal Crop Insurance Program.    (Source: P.A. 86-285.)
215 ILCS 5/143.17
2021 Illinois Compiled Statutes|Chapter 215 - INSURANCE|215 ILCS 5/ - Illinois Insurance Code.|Article IX - Provisions Applicable To All Companies

 (from Ch. 73, par. 755.17)Sec. 143.17. Notice of intention not to renew.a. No company shall fail  to renew any policy of insurance, as defined in subsections (a), (b),  (c), and (h) of Section 143.13, to which Section 143.11 applies, unless it  shall  send by mail to the named insured at least 30 days advance notice of its  intention not to renew.  The company shall maintain proof of mailing of  such notice on a recognized U.S. Post Office form or a form acceptable to  the U. S. Post Office or other commercial mail delivery service. The nonrenewal shall not become effective until at least 30 days from the proof of mailing date of the notice to the name insured. Notification shall also be sent to the insured's  broker, if known, or the agent of record, if known, and to the last known mortgagee or lien  holder. For purposes of this Section, the mortgagee or lien holder, insured's broker, or the agent of record may opt to accept notification electronically. However, where  cancellation is for nonpayment of premium, the notice  of  cancellation must be mailed at least 10 days before the  effective date of the cancellation.b. This Section does not apply if the company has manifested its  willingness to renew directly to the named insured.  Such written notice shall specify the premium amount payable, including  any premium payment plan available, and the name of any person or persons,  if any, authorized to receive payment on behalf of the company.  If no  person is so authorized, the premium notice shall so state.b-5. This Section does not apply if the company manifested its  willingness to renew directly to the named insured.  However, no company may  impose changes in deductibles or coverage for any policy forms applicable to an  entire line of business enumerated in subsections (a), (b), (c), and (h) of  Section 143.13 to which Section 143.11 applies unless the company mails to the  named insured written notice of the change in deductible or coverage at least  60 days prior to the renewal or anniversary date. Notice shall also be sent to the insured's broker, if known, or the  agent of record.c. Should a company fail to comply with (a) or (b) of this Section,  the policy shall terminate only on the effective date of any similar  insurance procured by the insured with respect to the same subject or  location designated in both policies.d. Renewal of a policy does not constitute a waiver or estoppel with  respect to grounds for cancellation which existed before the effective  date of such renewal.e. In all notices of intention not to renew any policy of insurance,  as defined in Section 143.11 the company shall provide the named insured a specific  explanation of the reasons for nonrenewal.f. For purposes of this Section, the insured's broker, if known, or the agent of record and the mortgagee or lien holder may opt to accept notification electronically.  (Source: P.A. 100-475, eff. 1-1-18.)
215 ILCS 5/143.18
2021 Illinois Compiled Statutes|Chapter 215 - INSURANCE|215 ILCS 5/ - Illinois Insurance Code.|Article IX - Provisions Applicable To All Companies

 (from Ch. 73, par. 755.18)Sec. 143.18.         Liability of Company or Agents Regarding Statements  Made In Notices Or Information.  There shall be no liability on the part of and no cause of action of  any nature shall arise against any company, its authorized  representative, its agents, its employees, or any firm, person or  corporation furnishing to the company information as to reasons for  cancellation, or nonrenewal, for any statement made by any of them in  any written notice of cancellation or nonrenewal, or any other  communications, oral or written, specifying the reasons for cancellation  or nonrenewal, or for the providing of information pertaining thereto.    (Source: P.A. 79-686.)
215 ILCS 5/143.19.2
2021 Illinois Compiled Statutes|Chapter 215 - INSURANCE|215 ILCS 5/ - Illinois Insurance Code.|Article IX - Provisions Applicable To All Companies

Sec. 143.19.2. Volunteer driver protection.(a) For the purpose of this Section, "volunteer driver" means a person who transports by vehicle individuals or goods without compensation above reimbursement for expenses, where the driving services are performed for a nationally affiliated charitable nonprofit organization operating in Area Agencies on Aging areas number 3 or 12, as designated by the Department on Aging, that allows older individuals to transfer their automobiles to the organization in exchange for personal transportation services.(b) An insurer may not refuse to issue vehicle insurance to a person solely because the applicant is a volunteer driver.  An insurer may not impose a surcharge or otherwise increase the rate for a vehicle policy solely on the basis that the named insured or any member of the insured's household or a person who customarily operates the insured's vehicle is a volunteer driver.  This Section shall not prohibit an insurer from taking any actions upon factors other than the volunteer status of the insured driver.   (Source: P.A. 97-285, eff. 8-9-11.)
215 ILCS 5/143.19.3
2021 Illinois Compiled Statutes|Chapter 215 - INSURANCE|215 ILCS 5/ - Illinois Insurance Code.|Article IX - Provisions Applicable To All Companies

Sec. 143.19.3. Prohibition of rate increase for persons involved in emergency use of vehicles.(a) No insurer authorized to transact or transacting business in this State, or controlling or controlled by or under common control by or with an insurer authorized to transact or transacting business in this State, that sells a personal policy of automobile insurance in this State shall increase the policy premium, cancel the policy, or refuse to renew the policy solely because the insured or any other person who customarily operates an automobile covered by the policy has had an accident while operating an automobile in response to an emergency when the insured was responding to a call to duty as a volunteer EMS provider, as defined in Section 1-220 of the Illinois Vehicle Code.(b) The provisions of subsection (a) also apply to all personal umbrella policies.   (Source: P.A. 100-657, eff. 8-1-18.)