reglab/housing_qa huggingface dataset:
MD. Insurance Code Ann. §  19-302 (2021)
2021 Maryland Statutes|Insurance|Title 19 - Property and Casualty Insurance|Subtitle 3 - Fire Insurance Application Act|Section 19-302 - Purpose and Scope of Subtitle

    (a)    The purpose of this subtitle is to promote the public welfare by reducing fire damage to property and loss of life that is caused by the crime of arson by requiring insurers to secure antiarson applications that contain information to control the incidence of arson fraud from applicants for new policies of property insurance.    (b)    This subtitle does not apply to a renewal of an existing property insurance policy or contract.
MD. Insurance Code Ann. §  19-303 (2021)
2021 Maryland Statutes|Insurance|Title 19 - Property and Casualty Insurance|Subtitle 3 - Fire Insurance Application Act|Section 19-303 - Regulations

    The Commissioner may adopt regulations to carry out this subtitle.
MD. Insurance Code Ann. §  19-304 (2021)
2021 Maryland Statutes|Insurance|Title 19 - Property and Casualty Insurance|Subtitle 3 - Fire Insurance Application Act|Section 19-304 - Antiarson Application Required

    (a)    If, after a public hearing, the Commissioner finds that there is an abnormally high incidence of arson in properties that are insured through commercial monoline fire policies, have a certain type of occupancy, or are located in a certain geographic area of the State, the Commissioner shall require that an antiarson application be used to obtain property insurance covering the peril of fire for property that is insured through that type of policy, has that type of occupancy, or is located in that geographic area of the State.    (b)    The Commissioner shall require that an antiarson application be completed when a property insurance policy or contract covering the peril of fire is assigned because of the transfer of a major financial interest in the insured real property, if an antiarson application otherwise would be required under this subtitle.    (c)    If, after a public hearing, the Commissioner finds that properties that are insured through a type of policy other than a commercial monoline fire policy have an abnormally high incidence of arson, the Commissioner may extend the application of this subtitle to properties insured through that other type of policy.    (d)    (1)    The Commissioner may not require the use of any application for property insurance covering the peril of fire other than an antiarson application.        (2)    Paragraph (1) of this subsection does not prohibit the Commissioner from requiring the use of alternative antiarson applications in accordance with § 19-306 of this subtitle.
MD. Insurance Code Ann. §  19-305 (2021)
2021 Maryland Statutes|Insurance|Title 19 - Property and Casualty Insurance|Subtitle 3 - Fire Insurance Application Act|Section 19-305 - Antiarson Application Form

    (a)    (1)    The Commissioner shall adopt a two-tier antiarson application form that requires an applicant to complete a second-tier supplementary application if the initial first-tier application elicits certain predesignated answers.        (2)    In adopting the antiarson application form, the Commissioner shall consider generally recognized two-tier application forms.    (b)    An antiarson application shall include:        (1)    the name and address of the applicant, any mortgagee, and any other party with an ownership interest in the property to be insured;        (2)    the amount of insurance requested and the method of valuation used to establish that amount;        (3)    the dates and selling prices of the property to be insured in all real estate transactions involving the property during the 3-year period immediately preceding the date of the antiarson application;        (4)    the applicant’s history of losses during the 5-year period immediately preceding the date of the antiarson application with regard to any property:            (i)    in which the applicant held an interest, including a partnership or mortgage interest, that is substantial; and            (ii)    that sustained a fire loss exceeding 25% of the insured value;        (5)    all taxes that are unpaid or overdue for 1 or more years; and        (6)    the present occupancy of the property to be insured.
MD. Insurance Code Ann. §  19-306 (2021)
2021 Maryland Statutes|Insurance|Title 19 - Property and Casualty Insurance|Subtitle 3 - Fire Insurance Application Act|Section 19-306 - Alternative Antiarson Applications

    (a)    The Commissioner may require the use of an alternative antiarson application if, after a public hearing, the Commissioner finds that:        (1)    there is an abnormally high incidence of arson in properties that are insured through a certain type of policy, are in a certain class of property, or are located in a certain geographic area of the State; and        (2)    in accordance with this subtitle, the antiarson application described in § 19-305 of this subtitle was implemented with respect to that type of policy, class of property, or geographic area of the State.    (b)    An alternative antiarson application may be mandated only for the types of policies, types of occupancies, and geographic areas of the State that otherwise would require the use of an antiarson application under this subtitle.
MD. Insurance Code Ann. §  19-307 (2021)
2021 Maryland Statutes|Insurance|Title 19 - Property and Casualty Insurance|Subtitle 3 - Fire Insurance Application Act|Section 19-307 - Antiarson Application as Part of Policy; Notice of Changes

    (a)    (1)    An antiarson application required under this subtitle is a material part of the policy to which the application pertains.        (2)    A material misrepresentation in an antiarson application is grounds to rescind the policy.    (b)    (1)    Within a reasonable time as specified by the Commissioner, a policyholder shall notify the policyholder’s insurer in writing of any change in the information contained in an antiarson application.        (2)    A material failure to give the notice required in paragraph (1) of this subsection, or a material misrepresentation in a notification, is grounds to rescind the policy.
MD. Insurance Code Ann. §  19-308 (2021)
2021 Maryland Statutes|Insurance|Title 19 - Property and Casualty Insurance|Subtitle 3 - Fire Insurance Application Act|Section 19-308 - Limitations on Insurer

    (a)    (1)    This subsection does not apply to a contract to insure an owner-occupied dwelling for one to four families.        (2)    If an antiarson application is required under this subtitle with regard to a building, an insurer may not enter into a contract to be issued after July 1, 1982, to insure the building against the peril of fire unless the insurer first receives an antiarson application signed and affirmed by the insured.    (b)    The designation of any geographic area of the State by the Commissioner under this subtitle is not a valid reason for an insurer to refuse to issue or renew or to terminate any policy or insurance contract.
MD. Insurance Code Ann. §  19-309 (2021)
2021 Maryland Statutes|Insurance|Title 19 - Property and Casualty Insurance|Subtitle 3 - Fire Insurance Application Act|Section 19-309 - Termination of Policy or Contract Issued Under Antiarson Application

    (a)    Notwithstanding any other law to the contrary, an insurer, for any reason not prohibited by law, may terminate any policy or insurance contract for which an antiarson application or alternative antiarson application is required under this subtitle at any time within 90 days after the insurer accepts the antiarson application or alternative antiarson application.    (b)    An insurer shall state the specific reasons for terminating a policy or insurance contract in the notice of termination to the insured.
MD. Insurance Code Ann. §  19-402 (2021)
2021 Maryland Statutes|Insurance|Title 19 - Property and Casualty Insurance|Subtitle 4 - Workers' Compensation Insurance|Section 19-402 - Requirements

    (a)    An insurer may not issue a workers’ compensation insurance policy unless the State Workers’ Compensation Commission has approved the form of the policy.    (b)    Each policy of workers’ compensation insurance shall include the following provisions:        (1)    the State Workers’ Compensation Commission, in the name of the State and for the benefit of a person entitled to compensation under the policy, may enforce the liability of the insurer for payment of compensation by:            (i)    making the insurer a party to the original claim application; or            (ii)    filing a separate claim application;        (2)    the bankruptcy or insolvency of an employer does not relieve the insurer from payment of compensation for injury or death of a covered employee occurring during the life of the policy;        (3)    as between the employee and the insurer, if the employer receives notice or has knowledge of the occurrence of an accidental injury, occupational disease, hernia, or hearing loss, the insurer is deemed also to have received the notice or have the knowledge;        (4)    for the purposes of Titles 9 and 10 of the Labor and Employment Article, the insurer is subject to the same jurisdiction as the employer; and        (5)    each award, decision, finding, or order against the employer for payment of compensation under Titles 9 and 10 of the Labor and Employment Article also is binding on the insurer.    (c)    (1)    A person that violates subsection (a) of this section is guilty of a misdemeanor and on conviction is subject to a fine not exceeding $1,000.        (2)    The Commissioner may revoke the certificate of authority of a person that is convicted under this section.
MD. Insurance Code Ann. §  19-403 (2021)
2021 Maryland Statutes|Insurance|Title 19 - Property and Casualty Insurance|Subtitle 4 - Workers' Compensation Insurance|Section 19-403 - Setting Premium Rates

    (a)    The Commissioner may:        (1)    determine whether the premium rates of an insurer adequately cover the risks applicable to a workers’ compensation insurance policy under Titles 9 and 10 of the Labor and Employment Article; and        (2)    require the insurer to set premium rates that are adequate to cover those risks.    (b)    Each insurer shall set premium rates for workers’ compensation insurance in accordance with the requirements of the Commissioner under subsection (a) of this section.    (c)    (1)    A person that violates subsection (b) of this section is guilty of a misdemeanor and on conviction is subject to a fine not exceeding $1,000.        (2)    The Commissioner may revoke the certificate of authority of a person that is convicted under this section.
MD. Insurance Code Ann. §  19-404 (2021)
2021 Maryland Statutes|Insurance|Title 19 - Property and Casualty Insurance|Subtitle 4 - Workers' Compensation Insurance|Section 19-404 - Deductibles

    (a)    A workers’ compensation insurance policy issued or delivered in the State may provide for deductibles.    (b)    When a claim is payable under a workers’ compensation insurance policy with deductibles:        (1)    the insurer shall pay the claim including any applicable deductible; and        (2)    the employer shall reimburse the insurer for any amount paid up to the limit of any applicable deductible.
MD. Insurance Code Ann. §  19-405 (2021)
2021 Maryland Statutes|Insurance|Title 19 - Property and Casualty Insurance|Subtitle 4 - Workers' Compensation Insurance|Section 19-405 - Renewals

    When a workers’ compensation insurance policy is renewed, the insurer shall give the employer a conspicuous written notice that:         (1)    the employer must have a work permit for each minor employee as required by Title 3, Subtitle 2 of the Labor and Employment Article; and        (2)    if the employer does not have a work permit for a minor employee:            (i)    the State Workers’ Compensation Commission may award twice the compensation and death benefits otherwise allowed under Title 9, Subtitle 6 of the Labor and Employment Article in a claim by that employee or that employee’s dependent; and            (ii)    the employer is solely liable for any increase in compensation or death benefits in a claim by that employee or that employee’s dependent.
MD. Insurance Code Ann. §  19-406 (2021)
2021 Maryland Statutes|Insurance|Title 19 - Property and Casualty Insurance|Subtitle 4 - Workers' Compensation Insurance|Section 19-406 - Cancellations by Insurer

    (a)    This section does not apply to the cancellation of a policy or binder of workers’ compensation insurance by an insurer during the 45–day underwriting period in accordance with § 12–106 of this article.    (b)    Except for a cancellation for nonpayment of premium, an insurer may not cancel or refuse to renew a workers’ compensation insurance policy before its expiration unless, at least 45 days before the date of cancellation or nonrenewal, the insurer:        (1)    serves on the employer, by personal service or certified mail addressed to the last known address of the employer, a notice of intention to cancel or nonrenew the policy; and        (2)    files a copy of the notice with the State Workers’ Compensation Commission’s designee.    (c)    Notice under this section may be given:        (1)    if the employer is a corporation, to an agent or officer of the corporation on whom legal process may be served; and        (2)    if the employer is a partnership, to a partner.    (d)    Notice under this section shall state when the cancellation or nonrenewal takes effect.    (e)    Whenever an employer receives a notice under this section, the employer immediately shall secure coverage in accordance with § 9–402 of the Labor and Employment Article that will be in effect when the cancellation takes effect.    (f)    (1)    The notice shall state the insurer’s actual reason for proposing the cancellation or nonrenewal of the policy.        (2)    The Commissioner may not disallow a proposed action of an insurer because the statement of actual reason contains:            (i)    grammatical, typographical, or other errors, if the errors are not material to the proposed action and are not misleading;            (ii)    surplus information, if the surplus information is not misleading; or            (iii)    erroneous information, if in the absence of the erroneous information there is a sufficient basis to support the proposed action.    (g)    (1)    At least 10 days before the date of cancellation of a workers’ compensation insurance policy for nonpayment of premium, the insurer shall send to the employer, by certificate of mail, a written notice of the intention to cancel for nonpayment of premium.        (2)    An insurer shall file a copy of the notice sent under paragraph (1) of this subsection with the State Workers’ Compensation Commission’s designee.
MD. Insurance Code Ann. §  19-501 (2021)
2021 Maryland Statutes|Insurance|Title 19 - Property and Casualty Insurance|Subtitle 5 - Motor Vehicle Insurance -- Primary Coverage|Section 19-501 - Definitions

    (a)    In this subtitle the following words have the meanings indicated.    (b)    (1)    “Motor vehicle” means a vehicle, including a trailer, that is operated or designed for operation on a public road by any power other than animal or muscular power.        (2)    “Motor vehicle” does not include:            (i)    a bus as defined in § 11-105 of the Transportation Article; or            (ii)    a taxicab as defined in § 11-165 of the Transportation Article.    (c)    (1)    “Motor vehicle accident” means an occurrence involving a motor vehicle that results in damage to property or injury to a person.        (2)    “Motor vehicle accident” does not include an occurrence that is caused intentionally by or at the direction of the insured.    (d)    “Named insured” means the person denominated in the declarations in a motor vehicle liability insurance policy.
MD. Insurance Code Ann. §  19-502 (2021)
2021 Maryland Statutes|Insurance|Title 19 - Property and Casualty Insurance|Subtitle 5 - Motor Vehicle Insurance -- Primary Coverage|Section 19-502 - Effects of Subtitle

    (a)    This subtitle does not affect Title 17 of the Transportation Article.    (b)    Neither this subtitle nor Title 17 of the Transportation Article prevents an insurer from issuing, selling, or delivering motor vehicle liability insurance policies that provide liability coverage in excess of the requirements of the Maryland Vehicle Law.    (c)    (1)    This subtitle does not prohibit an insurer from providing benefits for Christian Science care and treatment.        (2)    Expenses for Christian Science care and treatment constitute economic loss for purposes of this subtitle.    (d)    This subtitle does not affect the right of a person to claim and sue for damages or losses that the person sustains as the result of a motor vehicle accident.
MD. Insurance Code Ann. §  19-503 (2021)
2021 Maryland Statutes|Insurance|Title 19 - Property and Casualty Insurance|Subtitle 5 - Motor Vehicle Insurance -- Primary Coverage|Section 19-503 - Administration

    (a)    The Commissioner may adopt regulations to carry out this subtitle.    (b)    The Commissioner may review any motor vehicle liability insurance policy issued, sold, or delivered in the State to determine whether it complies with this subtitle and regulations adopted under this subtitle.
MD. Insurance Code Ann. §  19-503.1 (2021)
2021 Maryland Statutes|Insurance|Title 19 - Property and Casualty Insurance|Subtitle 5 - Motor Vehicle Insurance -- Primary Coverage|Section 19-503.1 - Insurance Identification Card

    (a)    In this section, “insurance identification card” means a card issued by or on behalf of an insurer, in a form that the Commissioner prescribes or approves, as an indication that the insurer has issued a motor vehicle liability insurance policy meeting the requirements of this subtitle.    (b)    (1)    An insurer that issues, sells, or delivers a motor vehicle liability insurance policy in the State shall provide to an insured at the time the motor vehicle liability insurance policy is initially issued and at each renewal an insurance identification card that indicates:            (i)    the first named insured on the motor vehicle liability insurance policy;            (ii)    the motor vehicle covered under the motor vehicle liability insurance policy; and            (iii)    the period for which coverage under the motor vehicle liability insurance policy is in effect.        (2)    (i)    If an insured and an insurer both consent, an insurance identification card may be produced in electronic format.            (ii)    Acceptable electronic formats include display of electronic images on a cellular phone or any other type of portable electronic device.        (3)    (i)    Except as provided in subparagraphs (ii) and (iii) of this paragraph, an insurance identification card shall be valid only for the period for which motor vehicle liability insurance coverage has been paid by the insured.            (ii)    If the insured is on an insurer–sponsored payment plan or has financed premiums through a premium finance company, the insurance identification card may be issued for periods of 6 months even if the payment by the insured is for a period of less than 6 months.            (iii)    For a 12–month commercial motor vehicle liability insurance policy covering three or more vehicles, the insurance identification card may be issued for a period of 12 months even if the payment by the insured is for a period of less than 12 months.
MD. Insurance Code Ann. §  19-504 (2021)
2021 Maryland Statutes|Insurance|Title 19 - Property and Casualty Insurance|Subtitle 5 - Motor Vehicle Insurance -- Primary Coverage|Section 19-504 - Minimum Liability Coverage Required

    Each motor vehicle liability insurance policy issued, sold, or delivered in the State shall provide the minimum liability coverage specified in Title 17 of the Transportation Article.
MD. Insurance Code Ann. §  19-504.1 (2021)
2021 Maryland Statutes|Insurance|Title 19 - Property and Casualty Insurance|Subtitle 5 - Motor Vehicle Insurance -- Primary Coverage|Section 19-504.1 - Coverage for Claims of Family Members

    (a)    This section applies only when the liability coverage under a policy or binder of private passenger motor vehicle liability insurance exceeds the amount required under § 17-103 of the Transportation Article.    (b)    An insurer shall offer to the first named insured under a policy or binder of private passenger motor vehicle liability insurance liability coverage for claims made by a family member in the same amount as the liability coverage for claims made by a nonfamily member under the policy or binder.    (c)    (1)    An offer made under this section shall be made on the form that the Commissioner requires.        (2)    The form may be part of the insurance application, policy, contract, or binder.        (3)    The form shall clearly and concisely explain in 10 point boldface type:            (i)    the nature, extent, benefit, and cost of the amount of liability coverage for claims made by family members that is available to the first named insured; and            (ii)    that an insurer may not refuse to underwrite a first named insured because the first named insured requests or elects the liability coverage for claims made by family members in an amount equal to the coverage provided for claims made by nonfamily members.    (d)    (1)    An insurer may not refuse to underwrite a first named insured because the first named insured requests or elects the liability coverage for claims made by family members in an amount equal to the coverage provided for claims made by nonfamily members.        (2)    An insurer that violates this subsection is subject to the penalties provided in §§ 4-113 and 4-114 of this article.
MD. Insurance Code Ann. §  19-507 (2021)
2021 Maryland Statutes|Insurance|Title 19 - Property and Casualty Insurance|Subtitle 5 - Motor Vehicle Insurance -- Primary Coverage|Section 19-507 - Personal Injury Protection Coverage -- When Benefits Payable; Coordination of Policies; Premium Increase; Subrogation

    (a)    The benefits described in § 19–505 of this subtitle shall be payable without regard to:        (1)    the fault or nonfault of the named insured or the recipient of benefits in causing or contributing to the motor vehicle accident; and        (2)    any collateral source of medical, hospital, or wage continuation benefits.    (b)    (1)    Subject to paragraph (2) of this subsection, if the insured has both coverage for the benefits described in § 19–505 of this subtitle and a collateral source of medical, hospital, or wage continuation benefits, the insurer or insurers may coordinate the policies to provide for nonduplication of benefits, subject to appropriate reductions in premiums for one or both of the policies approved by the Commissioner.        (2)    The named insured may:            (i)    elect to coordinate the policies by indicating in writing which policy is to be the primary policy; or            (ii)    reject the coordination of policies and nonduplication of benefits.    (c)    (1)    In this subsection, “increase the premium” includes an increase in total premium for a policy due to:            (i)    a surcharge;            (ii)    retiering or other reclassification of the policy; or            (iii)    removal or reduction of a discount.        (2)    An insurer that issues a policy that contains the coverage described in § 19–505 of this subtitle:            (i)    may not increase the premium on the policy due to a claim or payment made under that coverage; and            (ii)    at the time the policy is issued, shall notify the policyholder in writing that the insurer may not increase the premium on the policy due to a claim or payment made under that coverage.    (d)    An insurer that provides the benefits described in § 19–505 of this subtitle does not have a right of subrogation and does not have a claim against any other person or insurer to recover any benefits paid because of the alleged fault of the other person in causing or contributing to a motor vehicle accident.