reglab/housing_qa huggingface dataset:
IN Code § 27-1-25-12.3 (2021)
2021 Indiana Code|Title 27. Insurance|Article 1. Department of Insurance|Chapter 25. Insurance Administrators|27-1-25-12.3. Resident Administrator Annual Filings

Sec. 12.3. (a) An administrator that is licensed under section 11.1 of this chapter shall, not later than July 1 of each year unless the commissioner grants an extension of time for good cause, file a report for the previous calendar year that complies with the following:(1) The report must contain financial information reflecting a positive net worth prepared in accordance with section 11.1(b)(4) of this chapter.(2) The report must be in the form and contain matters prescribed by the commissioner.(3) The report must be verified by at least two (2) officers of the administrator.(4) The report must include the complete names and addresses of insurers with which the administrator had a written agreement during the preceding fiscal year.(5) The report must be accompanied by a filing fee in an amount determined by the commissioner.The commissioner shall collect a filing fee paid under subdivision (5) and deposit the fee into the department of insurance fund established by IC 27-1-3-28.(b) The commissioner shall review a report filed under subsection (a) not later than September 1 of the year in which the report is filed. Upon completion of the review, the commissioner shall:(1) issue a certification to the administrator:(A) indicating that:(i) the financial statement reflects a positive net worth; and(ii) the administrator is currently licensed and in good standing; or(B) noting deficiencies found in the report; or(2) update the centralized insurance producer license registry described in IC 27-1-15.6-7:(A) indicating that the administrator is solvent and in compliance with this chapter; or(B) noting deficiencies found in the report.As added by P.L.160-2003, SEC.17. Amended by P.L.173-2007, SEC.18; P.L.234-2007, SEC.192; P.L.11-2011, SEC.21; P.L.124-2018, SEC.50.
IN Code § 27-1-25-13 (2021)
2021 Indiana Code|Title 27. Insurance|Article 1. Department of Insurance|Chapter 25. Insurance Administrators|27-1-25-13. Public Documents; Confidentiality; Financial Information

Sec. 13. (a) Except as provided by section 4(b) of this chapter, and except that all provisions of the written agreement between the administrator and an insurer shall be treated by the commissioner as confidential and shall not be open to any member of the public for inspection or copying, all documents submitted to the commissioner under this chapter are public documents:(1) when filed by the commissioner; or(2) thirty (30) days after their receipt by the department.(b) Any financial information concerning an administrator submitted by an administrator to the commissioner must remain confidential and is not open to any member of the public for inspection or copying. However, the commissioner may use the financial information in a proceeding under section 12.4 of this chapter.As added by Acts 1980, P.L.168, SEC.2. Amended by Acts 1982, P.L.165, SEC.7; P.L.192-1991, SEC.2; P.L.160-2003, SEC.19.
IN Code § 27-1-25-14 (2021)
2021 Indiana Code|Title 27. Insurance|Article 1. Department of Insurance|Chapter 25. Insurance Administrators|27-1-25-14. Regulations

Sec. 14. The commissioner may, under IC 4-22-2, adopt regulations necessary to implement this chapter.As added by Acts 1980, P.L.168, SEC.2.
IN Code § 27-1-25-15 (2021)
2021 Indiana Code|Title 27. Insurance|Article 1. Department of Insurance|Chapter 25. Insurance Administrators|27-1-25-15. Violations; Offense; Notice

Sec. 15. (a) An administrator acting without a license issued under this chapter commits a Class C infraction.(b) The commissioner shall notify the prosecuting attorney or the attorney general of Indiana of violations under subsection (a).As added by Acts 1980, P.L.168, SEC.2. Amended by P.L.160-2003, SEC.20.
IN Code § 27-1-25-16 (2021)
2021 Indiana Code|Title 27. Insurance|Article 1. Department of Insurance|Chapter 25. Insurance Administrators|27-1-25-16. Presumption of Control

Sec. 16. (a) A presumption of control arising under section 1(e) of this chapter may be rebutted by a showing made in the manner provided under IC 27-1-23-3(k) that control does not exist in fact.(b) In the absence of a presumption that control exists in fact, the commissioner may determine that control exists in fact after:(1) providing notice and an opportunity to be heard under IC 4-21.5 to all interested parties; and(2) making specific findings of fact to support the determination.As added by P.L.160-2003, SEC.21.
IN Code § 27-1-25.1-1 (2021)
2021 Indiana Code|Title 27. Insurance|Article 1. Department of Insurance|Chapter 25.1. Certain Insurer Responsibilities|27-1-25.1-1. "Affiliate"

Sec. 1. As used in this chapter, "affiliate" has the meaning set forth in IC 27-1-25-1(b).As added by P.L.160-2003, SEC.22.
IN Code § 27-1-25.1-2 (2021)
2021 Indiana Code|Title 27. Insurance|Article 1. Department of Insurance|Chapter 25.1. Certain Insurer Responsibilities|27-1-25.1-2. "Insurer"

Sec. 2. As used in this chapter, "insurer" has the meaning set forth in IC 27-1-25-1(l).As added by P.L.160-2003, SEC.22.
IN Code § 27-1-25.1-3 (2021)
2021 Indiana Code|Title 27. Insurance|Article 1. Department of Insurance|Chapter 25.1. Certain Insurer Responsibilities|27-1-25.1-3. "Person"

Sec. 3. As used in this chapter, "person" refers to a person described in IC 27-1-25-1(a)(15).As added by P.L.160-2003, SEC.22.
IN Code § 27-1-25.1-4 (2021)
2021 Indiana Code|Title 27. Insurance|Article 1. Department of Insurance|Chapter 25.1. Certain Insurer Responsibilities|27-1-25.1-4. Insurer Responsibility for Actions of Affiliate

Sec. 4. The insurer with which a person is affiliated is responsible for:(1) the acts of the person; and(2) providing the person's books and records to the commissioner.As added by P.L.160-2003, SEC.22.
IN Code § 27-1-26-1 (2021)
2021 Indiana Code|Title 27. Insurance|Article 1. Department of Insurance|Chapter 26. Policy Language Simplification|27-1-26-1. Definitions

Sec. 1. As used in this chapter:(a) "Commissioner" refers to the insurance commissioner.(b) "Company" or "insurer" means a life or health insurance company, fraternal benefit society, prepaid health plan, dental care plan, vision care plan, pharmaceutical plan, health maintenance organization, and all similar type organizations.(c) "Department" refers to the insurance department.(d) "Policy" or "policy form" means:(1) Any policy, contract, plan, or agreement of life or health insurance, including credit life insurance and credit health insurance, to be issued in Indiana by a company subject to this chapter.(2) Any certificate, contract, or policy issued by a fraternal benefit society.(3) Any certificate issued under a group insurance policy to be issued for delivery in Indiana.(e) "Text" means all printed matter except the following:(1) The name and address of the insurer.(2) The name, number, or title of the policy.(3) The table of contents or index.(4) Captions and subcaptions.(5) Specification pages.(6) Schedules or tables.(7) Language that is drafted to conform to the requirements of federal law, regulation, or federal agency interpretation.(8) Language required by a collectively bargained agreement.(9) Medical terminology.(10) Words that are defined in the policy.As added by Acts 1981, P.L.245, SEC.1.
IN Code § 27-1-26-2 (2021)
2021 Indiana Code|Title 27. Insurance|Article 1. Department of Insurance|Chapter 26. Policy Language Simplification|27-1-26-2. Policies and Forms Not Subject to Chapter

Sec. 2. (a) This chapter does not apply to:(1) A policy that is security subject to federal jurisdiction.(2) A group policy, other than a group credit life insurance policy or a group credit health insurance policy.(3) A group annuity contract that serves as a funding vehicle for pension, profit-sharing, or deferred compensation plans.(4) A form used in connection with a policy issued for delivery on a form approved or permitted to be issued for delivery in Indiana.As added by Acts 1981, P.L.245, SEC.1.
IN Code § 27-1-26-3 (2021)
2021 Indiana Code|Title 27. Insurance|Article 1. Department of Insurance|Chapter 26. Policy Language Simplification|27-1-26-3. Minimum Requirements

Sec. 3. Except as otherwise provided in this chapter, a policy issued for delivery in Indiana must meet the following minimum requirements:(1) The text achieves a minimum score of forty (40) on the Flesch reading ease test or an equivalent score on a comparable test approved by the commissioner as provided by section 6 of this chapter.(2) It is printed, except for specification pages, schedules, and tables, in not less than ten (10) point type, one (1) point leaded.(3) The style, arrangement, and overall appearance of the policy give no undue prominence to any portion of the text of the policy or to any endorsements or riders.(4) It must contain a table of contents or an index of the principal sections of the policy if:(A) the policy has three thousand (3,000) or more words; or(B) the policy has three (3) or more pages.As added by Acts 1981, P.L.245, SEC.1.
IN Code § 27-1-26-4 (2021)
2021 Indiana Code|Title 27. Insurance|Article 1. Department of Insurance|Chapter 26. Policy Language Simplification|27-1-26-4. Non-English Language Policies

Sec. 4. A non-English language policy that is issued for delivery in Indiana is in compliance with this chapter if the insurer issuing the policy certifies that the policy if translated into English would comply with section 3 of this chapter.As added by Acts 1981, P.L.245, SEC.1.
IN Code § 27-1-26-5 (2021)
2021 Indiana Code|Title 27. Insurance|Article 1. Department of Insurance|Chapter 26. Policy Language Simplification|27-1-26-5. Flesch Reading Ease Score; Procedure to Determine; Rules of Construction

Sec. 5. (a) The following procedure shall be used in determining the Flesch reading ease score:(1) First, a sample of the text of the policy shall be chosen for analysis:(A) For policy forms containing ten thousand (10,000) or less words of text, the entire policy form shall be analyzed.(B) For policy forms containing ten thousand and one (10,001) or more words of text, two (2) samples of two hundred (200) words from each page, with each sample separated by at least twenty (20) lines, may be analyzed instead of the entire form.(2) Second, the number of words and sentences in the text shall be counted and the total number of words shall be divided by the total number of sentences. The figure obtained shall be multiplied by a factor of one and fifteen thousandths (1.015).(3) Third, the total number of syllables shall be counted and divided by the total number of words. The figure obtained shall be multiplied by a factor of eighty-four and six tenths (84.6).(4) Fourth, the sum of the figures computed under subdivisions (2) and (3) when subtracted from two hundred six and eight hundred thirty-five thousandths (206.835) equals the Flesch reading ease score for the policy form.(b) For the purposes of subsections (a)(2) through (4), the following rules of construction shall be used:(1) A contraction, hyphenated word, or numbers and letters, when separated by spaces, shall be treated as one (1) word.(2) A unit of words ending with a period, semicolon, or colon, but excluding headings and captions, shall be counted as a sentence.(3) The term "syllable" means a unit of spoken language consisting of one (1) or more letters of a word as divided by a dictionary approved by the commissioner.(4) When a dictionary approved by the commissioner shows two (2) or more equally acceptable pronunciations of a word, the pronunciation containing fewer syllables may be used.As added by Acts 1981, P.L.245, SEC.1.
IN Code § 27-1-26-6 (2021)
2021 Indiana Code|Title 27. Insurance|Article 1. Department of Insurance|Chapter 26. Policy Language Simplification|27-1-26-6. Reading Ease; Alternative Tests

Sec. 6. The commissioner may approve the use of any other reading ease test as an alternative to the Flesch reading ease test if it is comparable in result to the Flesch reading ease test.As added by Acts 1981, P.L.245, SEC.1.
IN Code § 27-1-26-7 (2021)
2021 Indiana Code|Title 27. Insurance|Article 1. Department of Insurance|Chapter 26. Policy Language Simplification|27-1-26-7. Certificate of Insurer to Accompany Policy Filed With Department; Contents; Additional Information

Sec. 7. (a) A policy filed with the department must be accompanied by a certificate signed by an officer of the insurer stating that:(1) the policy meets the minimum reading ease score on the test used; or(2) the score for the policy is lower than the minimum required but should be approved in accordance with section 9 of this chapter.(b) To confirm the accuracy of a certification under subsection (a), the commissioner may require the submission of additional information to verify the certification.As added by Acts 1981, P.L.245, SEC.1.
IN Code § 27-1-26-8 (2021)
2021 Indiana Code|Title 27. Insurance|Article 1. Department of Insurance|Chapter 26. Policy Language Simplification|27-1-26-8. Separate Test Scores Permitted for Riders, Endorsements, Applications, and Other Forms

Sec. 8. At the option of an insurer, riders, endorsements, applications, and other forms made a part of the policy may be scored separately.As added by Acts 1981, P.L.245, SEC.1.
IN Code § 27-1-26-9 (2021)
2021 Indiana Code|Title 27. Insurance|Article 1. Department of Insurance|Chapter 26. Policy Language Simplification|27-1-26-9. Policies With Failing Scores; Issuance for Delivery Authorized Upon Certain Findings

Sec. 9. The commissioner may authorize a policy to be issued for delivery in Indiana with a score lower than the score required by section 3 of this chapter if he finds that the lower score:(1) will provide a more accurate reflection of the readability of a policy form;(2) is necessary because of the nature of a particular policy form or type or class of policy forms; or(3) is caused by policy language that is drafted to conform to the requirements of Indiana law, regulation, or agency interpretation.As added by Acts 1981, P.L.245, SEC.1.
IN Code § 27-1-26-10 (2021)
2021 Indiana Code|Title 27. Insurance|Article 1. Department of Insurance|Chapter 26. Policy Language Simplification|27-1-26-10. Compliance With Other Laws

Sec. 10. A policy form meeting the requirements of this chapter shall be approved notwithstanding the requirements of any other law that specifies the contents of policies, only if the policy form provides the policyholders and claimants with protection as favorable as they are entitled to under that law.As added by Acts 1981, P.L.245, SEC.1.
IN Code § 27-1-26-11 (2021)
2021 Indiana Code|Title 27. Insurance|Article 1. Department of Insurance|Chapter 26. Policy Language Simplification|27-1-26-11. Regulations

Sec. 11. The commissioner may adopt regulations under IC 4-22-2 necessary to administer this chapter.As added by Acts 1981, P.L.245, SEC.1.
IN Code § 27-1-26-12 (2021)
2021 Indiana Code|Title 27. Insurance|Article 1. Department of Insurance|Chapter 26. Policy Language Simplification|27-1-26-12. Application of Chapter

Sec. 12. This chapter applies to all policy forms filed after June 30, 1982. A policy may not be issued for delivery in Indiana after June 30, 1985, unless approved by the commissioner or permitted to be issued under this chapter. A policy that has been approved or permitted to be issued under this chapter before July 1, 1985, and that meets the standards of this chapter does not need to be refiled for approval on July 1, 1985, but may continue being issued in Indiana upon filing with the commissioner a list of those forms, identified by form number, and accompanied by a certificate for each form as provided by section 7 of this chapter.As added by Acts 1981, P.L.245, SEC.1.
IN Code § 27-1-27-1 (2021)
2021 Indiana Code|Title 27. Insurance|Article 1. Department of Insurance|Chapter 27. Public Adjusters|27-1-27-1. "Public Adjuster" Defined

Sec. 1. (a) The term "public adjuster" shall include every individual or corporation who, or which, for compensation or reward, renders advice or assistance to the insured in the adjustment of a claim or claims for loss or damages under any policy of insurance covering real or personal property and any person or corporation who, or which, advertises, solicits business, or holds itself out to the public as an adjuster of such claims. However, no public adjuster shall:(1) act in any manner in relation to claims for personal injury or automobile property damage; or(2) bind the insured in the settlement of claims.(b) This chapter does not apply to, and the following are not included in the term "public adjuster":(1) An attorney at law admitted to practice in the state of Indiana who adjusts insurance losses in the course of the practice of the attorney's profession.(2) An officer, regular salaried employee, or other representative of an insurer or of an attorney in fact of any reciprocal insurer of Lloyd's underwriter licensed to do business in Indiana who adjusts losses arising under an employer's or principal's own policies.(3) An adjustment bureau or association owned and maintained by insurers to adjust or investigate losses of such insurers, or any regular salaried employee who devotes substantially all the employee's time to the business of such bureau or association.(4) Any licensed insurance producer or an authorized insurer or officer or employee of the same who adjusts losses for such insurer, and any insurance producer or representative of a farm mutual insurance company operating under the farm mutual insurance laws of this state on behalf of an insurer.(5) Any independent adjuster representing an insurer.As added by P.L.257-1983, SEC.1. Amended by P.L.129-2003, SEC.6; P.L.178-2003, SEC.28.
IN Code § 27-1-27-2 (2021)
2021 Indiana Code|Title 27. Insurance|Article 1. Department of Insurance|Chapter 27. Public Adjusters|27-1-27-2. Certification Requirement

Sec. 2. (a) No individual or corporation shall act within Indiana as a public adjuster, or receive, directly or indirectly, compensation or reward for services rendered in the adjustment of any claim or claims under the types of insurance policies set forth in section 1(a) of this chapter, unless he, or it, is the holder of a certificate of authority to act as such public adjuster issued by the commissioner of insurance of the state of Indiana pursuant to this chapter.(b) Any individual or corporation who, or which, shall have received from the commissioner of insurance a public adjuster's certificate of authority shall be styled and be known as a "Certified Public Adjuster".As added by P.L.257-1983, SEC.1.
IN Code § 27-1-27-3 (2021)
2021 Indiana Code|Title 27. Insurance|Article 1. Department of Insurance|Chapter 27. Public Adjusters|27-1-27-3. Certificates of Authority; Issuance; Prerequisites

Sec. 3. (a) The commissioner of insurance shall issue resident and nonresident public adjusters' certificates of authority to each person who:(1) has complied with the requirements of this chapter, including the payment of fees, the completion of the examination, and, in the case of a nonresident applicant, the service of process designation;(2) is at least eighteen (18) years of age; and(3) has not been convicted of:(A) an act which would constitute a ground for disciplinary sanction under section 7.1 of this chapter; or(B) a felony that has a direct bearing on his ability to practice competently.A certificate of authority may be issued to a corporation that has one (1) or more officers, directors, or employees who have been issued public adjusters' certificates of authority. However, a corporation may practice public adjusting only through its officers, directors, or employees who have been issued certificates under this chapter.(b) The commissioner of insurance may issue a resident certificate of authority only to an applicant who is a bona fide resident of Indiana.(c) The commissioner may issue a nonresident certificate of authority only to a nonresident of Indiana who holds an equivalent resident certificate of authority or a license issued under the laws of any other state, any territorial possession of the United States, or any foreign country.As added by P.L.257-1983, SEC.1. Amended by P.L.146-2015, SEC.25.
IN Code § 27-1-27-4 (2021)
2021 Indiana Code|Title 27. Insurance|Article 1. Department of Insurance|Chapter 27. Public Adjusters|27-1-27-4. Certificates of Authority; Application; Renewal; Surety Bond

Sec. 4. (a) Each applicant for a certificate of authority as a public adjuster shall file with the commissioner of insurance an application therefor on forms furnished by the commissioner of insurance, which application shall set forth:(1) the name and address of the applicant, and if the applicant be a corporation, the name and address of each of its officers and directors;(2) whether the person is applying as a resident or nonresident;(3) whether any license or certificate of authority as insurance producer, broker, public adjuster, or independent adjuster has been issued previously by the commissioner of insurance of the state of Indiana or by the insurance department of any other state, any territorial possession of the United States, or any foreign country to the applicant; and(4) the business or employment in which the applicant has been engaged for the five (5) years next preceding the date of the application, and the name and address of such business and the name or names and addresses of the applicant's employer or employers.(b) An application for any certificate of authority must be signed and verified under oath by the applicant.(c) An annual fee of fifty dollars ($50) is to be paid to the commissioner of insurance by the applicant for such public adjuster's certificate of authority before the application or annual renewal thereof is granted. However, the commissioner may, by rule adopted under IC 4-22-2, change the amount of the fee to an amount necessary to pay all of the direct and indirect costs of administering this chapter. Fees collected shall be used by the department to administer this chapter.(d) Every public adjuster's certificate of authority shall expire on December 31 of the calendar year in which the same shall have been issued, but if an application for the renewal of such certificate shall have been filed with the commissioner of insurance before January 1 of any year, the certificate of authority sought to be renewed shall continue in full force and effect until the issuance by the commissioner of insurance of the new certificate applied for or until five (5) days after the commissioner of insurance shall have refused to issue such new certificate and shall have served notice of such refusal on the applicant therefor. Service of such notice shall be made by registered mail directed to the applicant at the place of business specified in the application.(e) The applicant shall file with the commissioner of insurance a surety bond in a sum equal to ten thousand dollars ($10,000) payable to the state of Indiana and conditioned on the principal's faithful performance and discharge of the principal's duties under this title and under any rule of the department of insurance. The bond must be renewed annually.As added by P.L.257-1983, SEC.1. Amended by P.L.178-2003, SEC.29.