reglab/housing_qa huggingface dataset:
MD. Insurance Code Ann. §  23-405 (2021)
2021 Maryland Statutes|Insurance|Title 23 - Premium Financing|Subtitle 4 - Cancellation of Insurance Contract Under Power of Attorney|Section 23-405 - Return of Premium After Cancellation

    (a)    (1)    Notwithstanding any other provision of this article, when an insurance contract is canceled, whether by a premium finance company, an insurer, or an insured, the insurer shall return any gross unearned premiums that are due under the insurance contract, computed pro rata, and excluding any expense constant, administrative fee, or any nonrefundable charge filed with and approved by the Commissioner, to the premium finance company for the account of the insured within a reasonable time not exceeding 45 days after:            (i)    receipt by the insurer of a notice of cancellation from the premium finance company or the insured;            (ii)    the date the insurer cancels the insurance contract; or            (iii)    with respect to commercial automobile, fire, or liability insurance, completion of any audit necessary to determine the amount of premium earned while the insurance contract was in force.        (2)    An audit under paragraph (1)(iii) of this subsection shall be performed within 45 days after the insurer receives the notice of cancellation.    (b)    (1)    After the insurer returns to the premium finance company any gross unearned premiums that are due under the insurance contract, the premium finance company shall refund to the insured the amount of unearned premium that exceeds any amount due under the premium finance agreement.        (2)    A premium finance company need not make a refund to the insured if the amount of the refund would be less than $5.    (c)    Whenever an insurer, after receiving notice of the existence of a premium finance agreement, returns any unearned premiums to a person other than the premium finance company named in the premium finance agreement, the insurer shall be directly responsible to the premium finance company for all unearned premiums arising from the cancellation of the premium finance agreement.    (d)    (1)    An insurer that fails to return any premium required under this section shall pay interest of 1% per month on the unearned premium that has not been returned until the unearned premium is returned.        (2)    Any payment under this subsection to the premium finance company shall be credited to the account of the insured.    (e)    An insurer may not deduct from any return premium any amount owed to the insurer by the insured under any other insurance contract.    (f)    An insurance producer shall return any gross unearned commissions, calculated as provided in subsection (a)(1) of this section, to an insurer within a reasonable period of time as required by the insurer.
MD. Insurance Code Ann. §  23-406 (2021)
2021 Maryland Statutes|Insurance|Title 23 - Premium Financing|Subtitle 4 - Cancellation of Insurance Contract Under Power of Attorney|Section 23-406 - Limitation on Collection After Cancellation

    Whenever an insurance contract is canceled in accordance with this subtitle, the premium finance company may not collect from an insured an amount due under the premium finance agreement that is less than $5.
MD. Insurance Code Ann. §  23-501 (2021)
2021 Maryland Statutes|Insurance|Title 23 - Premium Financing|Subtitle 5 - Prohibited Acts; Penalties|Section 23-501 - Maif Add-on Coverage as Condition of Financing Premium

    A premium finance company, or an insurance producer, if applicable, may not require an insured or prospective insured to purchase or finance add-on coverage, as defined in § 20-504 of this article, as a condition of financing the premium for an insurance contract issued by the Maryland Automobile Insurance Fund.
MD. Insurance Code Ann. §  23-501.1 (2021)
2021 Maryland Statutes|Insurance|Title 23 - Premium Financing|Subtitle 5 - Prohibited Acts; Penalties|Section 23-501.1 - Finance or Other Charge or Cancellation Related to Motor Club Service Contracts Prohibited

    (a)    A premium finance company may not impose any finance charge or other charge on any payment for the purchase price of a motor club service contract.    (b)    A premium finance company may not cancel an insurance contract if any payment under the premium finance agreement:        (1)    is sufficient to pay the installment due under the premium finance agreement that is related to the insurance contract obligation; but        (2)    is not sufficient to cover the amount of the monthly payment for the motor club service contract.
MD. Insurance Code Ann. §  23-502 (2021)
2021 Maryland Statutes|Insurance|Title 23 - Premium Financing|Subtitle 5 - Prohibited Acts; Penalties|Section 23-502 - Splitting Fees

    (a)    A person may not pay any part of an initial service fee or any other fee or charge to an insurance producer, employee of an insurance producer, or to any other person as an inducement to financing an insurance contract with a premium financing company.    (b)    An insurance producer, employee of an insurance producer, or any other person may not accept, directly or indirectly, any valuable consideration as an inducement to facilitate an agreement to finance an insurance premium that contains an assignment of or is otherwise secured by the unearned premium or refund obtainable from an insurer on cancellation of an insurance contract.
MD. Insurance Code Ann. §  23-503 (2021)
2021 Maryland Statutes|Insurance|Title 23 - Premium Financing|Subtitle 5 - Prohibited Acts; Penalties|Section 23-503 - Inducement to Obtain Multiple Initial Service Fees

    A premium finance company may not induce an insured to enter into more than one premium finance agreement in order to obtain more than one initial service fee.
MD. Insurance Code Ann. §  23-504 (2021)
2021 Maryland Statutes|Insurance|Title 23 - Premium Financing|Subtitle 5 - Prohibited Acts; Penalties|Section 23-504 - Excess Charges

    Unless otherwise authorized by law, a person may not charge, take, receive from, reserve, or impose on an insured or prospective insured greater charges than those allowed by this title.
MD. Insurance Code Ann. §  23-505 (2021)
2021 Maryland Statutes|Insurance|Title 23 - Premium Financing|Subtitle 5 - Prohibited Acts; Penalties|Section 23-505 - Failure to Pay Delinquency and Collection Charge

    The holder of a power of attorney may not cancel an insurance contract because a delinquency and collection charge under § 23-306 of this title has not been paid.
MD. Insurance Code Ann. §  23-505.1 (2021)
2021 Maryland Statutes|Insurance|Title 23 - Premium Financing|Subtitle 5 - Prohibited Acts; Penalties|Section 23-505.1 - Commercial Automobile, Fire, or Liability Insurance -- Discrimination Against Premium Finance Company

    An insurer that markets through independent insurance producers as defined in this article may not:         (1)    refuse to issue or deny the issuance of a policy because premiums have been advanced by a registered premium finance company not affiliated with the insurer; or        (2)    require an insured to use a particular premium finance company or other installment plan.
MD. Insurance Code Ann. §  23-505.2 (2021)
2021 Maryland Statutes|Insurance|Title 23 - Premium Financing|Subtitle 5 - Prohibited Acts; Penalties|Section 23-505.2 - Commercial Automobile, Fire, or Liability Insurance -- Discrimination Against Premium Financing; Disclosure of Interest in Motor Club

    (a)    An insurer that markets through independent insurance producers as defined in this article may not discriminate, intimidate, or retaliate against an insurance producer or insured that uses premium financing by denying the insurance producer or insured the same rights accorded to insurance producers or insureds who pay premiums in a different manner.    (b)    With respect to personal lines automobile insurance, an insurance producer, who directly or indirectly has an ownership interest in a premium finance company, shall provide a disclosure to be signed by the insured comparing the costs and terms of premium financing with the insurer’s alternative payment plan.    (c)    The disclosure required by subsection (b) of this section shall:        (1)    state the total amount to be paid by the insured under the premium finance agreement during the policy term, including premium, any down payment, and all interest, fees, and charges incident to the premium finance agreement and resulting extension of credit; and        (2)    state the total amount to be paid by the insured under the insurer’s alternative payment plan during the policy term, including premium, any down payment, and all fees and charges incident to the alternative payment plan.    (d)    An insurance producer, or an employee or agent of the insurance producer, who directly or indirectly has an ownership interest in a motor club shall provide a disclosure to be signed by the insured informing the insured of the insurance producer’s or the insurance producer’s employee’s or agent’s interest in the motor club.
MD. Insurance Code Ann. §  23-506 (2021)
2021 Maryland Statutes|Insurance|Title 23 - Premium Financing|Subtitle 5 - Prohibited Acts; Penalties|Section 23-506 - Criminal Penalty

    In addition to any other applicable administrative or civil penalty, a premium finance company, insurer, or insurance producer that willfully and knowingly violates any provision of this title is guilty of a misdemeanor and on conviction is subject to a fine not exceeding $1,000 or imprisonment not exceeding 1 year or both.
MD. Insurance Code Ann. §  24-201 (2021)
2021 Maryland Statutes|Insurance|Title 24 - State Created Mutual Societies and Other Entities|Subtitle 2 - Medical Mutual Liability Insurance Society of Maryland|Section 24-201 - Definitions

    (a)    In this subtitle the following words have the meanings indicated.    (b)    “Health care facility” has the meaning stated in § 19–114 of the Health – General Article.    (c)    “Health care provider” means a person licensed or authorized to practice a health occupation.    (d)    “Physician” means an individual who:        (1)    is licensed to practice medicine in the State; or        (2)    lawfully practices medicine without a license under § 14–302 (a)(1) through (4) of the Health Occupations Article.    (e)    “Practice medicine” has the meaning stated in § 14–101 of the Health Occupations Article.    (f)    “Society” means the Medical Mutual Liability Insurance Society of Maryland.    (g)    “Surplus” does not include debt of the Society incurred in accordance with § 3–116(a)(1) of this article to enable it to comply with a surplus requirement.
MD. Insurance Code Ann. §  24-202 (2021)
2021 Maryland Statutes|Insurance|Title 24 - State Created Mutual Societies and Other Entities|Subtitle 2 - Medical Mutual Liability Insurance Society of Maryland|Section 24-202 - Legislative Policy

    Subject to the limitations and immunities of this subtitle, the purpose of this subtitle is to provide:         (1)    for the payment of indemnities to persons that suffer injuries arising out of the rendering of or failure to render professional services by physicians or other health care providers;        (2)    a means for physicians or other health care providers to obtain insurance against liability for injuries arising out of the rendering of or failure to render professional services; and        (3)    property insurance and casualty insurance related to the provision of health care or to health care facilities used by physicians or other health care providers.
MD. Insurance Code Ann. §  24-203 (2021)
2021 Maryland Statutes|Insurance|Title 24 - State Created Mutual Societies and Other Entities|Subtitle 2 - Medical Mutual Liability Insurance Society of Maryland|Section 24-203 - Medical Mutual Liability Insurance Society of Maryland

    (a)    (1)    There is a Medical Mutual Liability Insurance Society of Maryland.        (2)    The Society is a nonstock corporation.    (b)    Except as otherwise provided in this subtitle, the Society has the powers, privileges, and immunities granted by and is subject to the provisions imposed on mutual insurers by this article and by the applicable provisions of the Corporations and Associations Article.    (c)    The Society is a member of the Joint Insurance Association and the Property and Casualty Insurance Guaranty Corporation.    (d)    (1)    The Society is not and may not be deemed a department, unit, agency, or instrumentality of the State for any purpose.        (2)    All debts, claims, obligations, and liabilities of the Society, whenever incurred, shall be the debts, claims, obligations, and liabilities of the Society only and not of the State or the State’s agencies, instrumentalities, officers, or employees.    (e)    (1)    The money of the Society is not part of the General Fund of the State.        (2)    The State may not budget for or provide General Fund appropriations to the Society.        (3)    The debts, claims, obligations, and liabilities of the Society are not a debt of the State or a pledge of the credit of the State.
MD. Insurance Code Ann. §  24-204 (2021)
2021 Maryland Statutes|Insurance|Title 24 - State Created Mutual Societies and Other Entities|Subtitle 2 - Medical Mutual Liability Insurance Society of Maryland|Section 24-204 - Board of Directors

    (a)    There is a Board of Directors of the Society.    (b)    (1)    There shall be at least 11 directors on the Board.        (2)    The directors shall be elected by the members of the Society in accordance with the articles of incorporation and bylaws of the Society.        (3)    The bylaws of the Society shall provide that:            (i)    not more than five directors may be licensed physicians;            (ii)    at least two directors must have had substantial experience as an officer or employee of an insurer;            (iii)    at least two directors must be officers and employees of the Society who are responsible for the daily management of the Society; and            (iv)    the Board of Directors must consist of individuals who live in different geographical areas of the State.    (c)    The Board of Directors governs the Society and exercises the corporate powers of the Society.
MD. Insurance Code Ann. §  24-205 (2021)
2021 Maryland Statutes|Insurance|Title 24 - State Created Mutual Societies and Other Entities|Subtitle 2 - Medical Mutual Liability Insurance Society of Maryland|Section 24-205 - Administration of Society by Licensed Insurer

    (a)    (1)    If the Board of Directors determines that the affairs of the Society may be administered suitably and efficiently, the Society may enter into a contract with a licensed insurer or licensed nonprofit health service plan to administer the affairs of the Society, subject to the continuing direction of the Board of Directors specified in the articles of incorporation and bylaws of the Society and the contract.        (2)    A contract may not exceed 5 years.    (b)    (1)    On execution of the contract, the Society promptly shall file a true copy of the contract with the Commissioner.        (2)    The contract is effective 30 days after the date of filing unless, before the effective date, the Commissioner disapproves the contract as contrary to law or public policy or as unduly onerous and states the reasons for the disapproval.
MD. Insurance Code Ann. §  24-206 (2021)
2021 Maryland Statutes|Insurance|Title 24 - State Created Mutual Societies and Other Entities|Subtitle 2 - Medical Mutual Liability Insurance Society of Maryland|Section 24-206 - Scope of Certificate of Authority

    On approval of the application for a certificate of authority, the Commissioner shall issue to the Society a certificate of authority that authorizes the Society to issue:         (1)    the following policies of casualty insurance:            (i)    insurance against the liability of physicians or other health care providers for injury arising out of the rendering of or failure to render professional services by the insured;            (ii)    insurance against the liability of a person for whose acts or omissions a physician or other health care provider is responsible under item (i) of this item or with whom the physician or other health care provider is associated, including partners, employees, employers, associates, consultants, or a professional service corporation whose stock the insured owns; and            (iii)    insurance against other liability for injury by persons employed in, by property used in, or by activities incidental to, practicing medicine or practicing another health occupation by the named insured, when issued as incidental coverage with or supplemental to insurance specified in item (i) of this item; and        (2)    policies of property insurance and casualty insurance that are related to the provision of health care or to health care facilities that physicians or other health care providers use where health care is practiced on a regular basis.
MD. Insurance Code Ann. §  24-207 (2021)
2021 Maryland Statutes|Insurance|Title 24 - State Created Mutual Societies and Other Entities|Subtitle 2 - Medical Mutual Liability Insurance Society of Maryland|Section 24-207 - Assessments; Nonassessable Policies

    (a)    Each policyholder is subject to assessment as provided in §§ 3-110, 3-111, and 3-112 of this article.    (b)    Notwithstanding subsection (a) of this section, if the Society meets all applicable requirements of this article about the sale of nonassessable policies, including the requirements of §§ 4-104, 4-105, and 4-106 of this article, the Society may issue nonassessable policies subject to:        (1)    § 3-113 of this article;        (2)    all other applicable provisions of this article; and        (3)    the Corporations and Associations Article.
MD. Insurance Code Ann. §  24-208 (2021)
2021 Maryland Statutes|Insurance|Title 24 - State Created Mutual Societies and Other Entities|Subtitle 2 - Medical Mutual Liability Insurance Society of Maryland|Section 24-208 - Membership Fees

    (a)    The directors of the Society may establish membership fees in amounts they consider reasonable, to be paid by the members of the Society.    (b)    Each physician who paid the special one-time tax imposed by former Article 48A, § 552(b) of the Code shall be credited with the amount of the tax paid against the liability of the physician for the membership fee.    (c)    On payment of the membership fee, a physician or other health care provider may be insured by the Society for any and all hazards customarily insured by the Society, subject to any coverage limitations specified by the Society in accordance with policy limitations, exclusions, conditions, deductibles, and loss-sharing requirements.
MD. Insurance Code Ann. §  24-209 (2021)
2021 Maryland Statutes|Insurance|Title 24 - State Created Mutual Societies and Other Entities|Subtitle 2 - Medical Mutual Liability Insurance Society of Maryland|Section 24-209 - Policy Terms and Conditions of Coverage

    (a)    Policies that the Society issues to each class of physicians and other health care providers shall be essentially uniform in terms and conditions of coverage.    (b)    Notwithstanding subsection (a) of this section, the Society may:        (1)    establish reasonable classifications of physicians and other health care providers, insured activities, and exposures based on a good faith determination of relative exposures and hazards among classifications;        (2)    vary the limits, coverages, exclusions, conditions, and loss-sharing provisions among classifications; and        (3)    establish, for an individual physician or other health care provider within a classification, reasonable variations in the terms of coverage, including deductibles and loss-sharing provisions, based on the insured’s prior loss experience and current professional training and capability.    (c)    (1)    In this subsection, “nursing facility” has the meaning stated in § 19-301 of the Health - General Article.        (2)    The Society may not deny, cancel, or refuse to renew medical professional liability insurance coverage for a physician, based solely on the physician’s:            (i)    employment by, or provision of health care services at, an assisted living or nursing facility;            (ii)    provision of mammography services; or            (iii)    provision of services in an emergency room.
MD. Insurance Code Ann. §  24-210 (2021)
2021 Maryland Statutes|Insurance|Title 24 - State Created Mutual Societies and Other Entities|Subtitle 2 - Medical Mutual Liability Insurance Society of Maryland|Section 24-210 - Subsidiaries

    (a)    Notwithstanding any other provision of this subtitle, the Society may establish, own, or control a subsidiary for any business purpose.    (b)    A subsidiary that is established, owned, or controlled by the Society is not subject to this subtitle.    (c)    (1)    A subsidiary of the Society is not and may not be deemed a department, unit, agency, or instrumentality of the State for any purpose.        (2)    The State may not be held in any way liable or responsible for any of the debts, claims, obligations, or liabilities of a subsidiary of the Society or the Society.    (d)    Without the prior approval of the Board of Directors, including at least 80% of the physician members of the Board of Directors, the Society may not directly or indirectly capitalize, transfer moneys to, or purchase stock in an insurance subsidiary beyond the $3,250,000 used by the Society before December 31, 1989, to capitalize the insurance subsidiaries.
MD. Insurance Code Ann. §  24-211 (2021)
2021 Maryland Statutes|Insurance|Title 24 - State Created Mutual Societies and Other Entities|Subtitle 2 - Medical Mutual Liability Insurance Society of Maryland|Section 24-211 - Financial Reporting and Analysis

    (a)    (1)    Not later than June 30 of each year, the Society shall report to the Commissioner and to the General Assembly:            (i)    salaries and other compensation paid to officers, executives, and directors for the preceding calendar year;            (ii)    a summary and detailed financial statement for the four preceding calendar years indicating amounts for and changes in:                1.    insurance reserves and losses;                2.    assets and liabilities;                3.    income and expenses; and                4.    return on invested surplus; and            (iii)    management’s evaluation of the financial position of the Society.        (2)    The evaluation under paragraph (1)(iii) of this subsection shall include an analysis indicating whether sufficient resources exist to justify providing a dividend or similar distribution to members in the current year and, if not, how the current circumstances vary from prior years in which such distributions have been made.    (b)    Any rate filing by the Society shall include the information required under subsection (a) of this section.    (c)    (1)    Before the Society may pay to its members a dividend or similar distribution, the Society shall provide to the Commissioner, using a methodology prescribed by the Commissioner, an analysis indicating the extent to which the distribution results from any excess of premiums collected over accumulated losses for incidents arising in any premium year during which the State provided financial assistance.        (2)    (i)    To the extent the analysis required under paragraph (1) of this subsection determines that funds available for distribution are attributed to a year in which financial assistance is provided, the Commissioner shall order the Society to pay a portion of the distribution to the State.            (ii)    The amount paid to the State shall be determined based on the ratio of State expenditures for financial assistance to total premiums earned for each premium year for which State financial assistance was made.