reglab/housing_qa huggingface dataset:
CT Gen Stat § 38a-372. (Formerly Sec. 38-328) (2020)
2020 Connecticut General Statutes|Title 38a - Insurance|Chapter 700 - Property and Casualty Insurance|Section 38a-372. (Formerly Sec. 38-328) - Insurers required to declare that policies deemed to provide required security.

 Every insurance company authorized to transact the business of private passenger motor vehicle liability insurance in this state shall file with the Insurance Commissioner as a condition of its continued transaction of such business within this state a form approved by the commissioner declaring that its policies shall be deemed to provide the security required by section 38a-371. Any nonadmitted insurer may file such a form.(1972, P.A. 273, S. 10; P.A. 77-369; 77-614, S. 163, 610; P.A. 80-482, S. 324, 348; P.A. 92-60, S. 9; P.A. 93-297, S. 13, 29.)History: P.A. 77-369 added Subsec. (c) re physical examination of insured; P.A. 77-614 placed insurance commissioner within the department of business regulation and made insurance department a division within that department, effective January 1, 1979; P.A. 80-482 restored insurance commissioner and division to prior independent status and abolished the department of business regulation; Sec. 38-328 transferred to Sec. 38a-372 in 1991; P.A. 92-60 made technical corrections for statutory consistency; P.A. 93-297 deleted Subsec. (a) re when a policy is deemed to include all coverages required by Secs. 38a-363 to 38a-388, inclusive, replaced “the security required by sections 38a-363 to 38a-388, inclusive” with “the security required by section 38a-371” and deleted Subsec. (c) re physical examination of insured, effective January 1, 1994, and applicable to acts or omissions occurring on or after said date.Annotations to former section 38-328:Cited. 169 C. 267; 186 C. 507.Cited. 3 CA 432.
CT Gen Stat § 38a-379. (Formerly Sec. 38-335) (2020)
2020 Connecticut General Statutes|Title 38a - Insurance|Chapter 700 - Property and Casualty Insurance|Section 38a-379. (Formerly Sec. 38-335) - Civil action to enforce rights and obligations.

 Except as otherwise provided in sections 38a-363 to 38a-388, inclusive, any right or obligation provided by said sections is enforceable by civil action. Actions under said sections shall be brought within the periods allowed under section 52-584 or section 52-555, respectively for the commencement of actions for injury to the person or death.(1972, P.A. 273, S. 17; P.A. 92-60, S. 11; P.A. 93-297, S. 14, 29.)History: Sec. 38-335 transferred to Sec. 38a-379 in 1991; P.A. 92-60 made technical corrections for statutory consistency; P.A. 93-297 replaced “Actions for benefits payable under said sections” with “Actions under said sections”, effective January 1, 1994, and applicable to acts or omissions occurring on or after said date.Annotations to former section 38-335:Cited. 169 C. 267; 186 C. 507.Cited. 38 CS 318.
CT Gen Stat § 38a-385. (Formerly Sec. 38-341) (2020)
2020 Connecticut General Statutes|Title 38a - Insurance|Chapter 700 - Property and Casualty Insurance|Section 38a-385. (Formerly Sec. 38-341) - Assigned risk plan.

 The Insurance Commissioner shall require that the plan established pursuant to section 38a-329 with respect to automobile liability insurance shall apply to residual liability insurance required by sections 38a-363 to 38a-388, inclusive, so that such insurance will be available to all applicants who are in good faith entitled to but unable to procure such insurance through ordinary methods.(1972, P.A. 273, S. 23; P.A. 77-614, S. 163, 610; P.A. 80-482, S. 327, 348; P.A. 92-60, S. 14; P.A. 93-297, S. 15, 29.)History: P.A. 77-614 placed insurance commissioner within the department of business regulation and made insurance department a division within that department, effective January 1, 1979; P.A. 80-482 restored insurance commissioner and division to prior independent status and abolished the department of business regulation; Sec. 38-341 transferred to Sec. 38a-385 in 1991; P.A. 92-60 made technical corrections for statutory consistency; P.A. 93-297 deleted requirement that plan apply to basic and added reparations, effective January 1, 1994, and applicable to acts or omissions occurring on or after said date.Annotations to former section 38-341:Cited. 169 C. 267; 186 C. 507.
CT Gen Stat § 38a-386. (Formerly Sec. 38-342) (2020)
2020 Connecticut General Statutes|Title 38a - Insurance|Chapter 700 - Property and Casualty Insurance|Section 38a-386. (Formerly Sec. 38-342) - Submission of data to commissioner. Plan for allocation and compilation of claims and loss experience data.

 Section 38a-386 is repealed, effective January 1, 1994.(1972, P.A. 273, S. 24; P.A. 77-614, S. 163, 610; P.A. 80-482, S. 328, 348; P.A. 82-353, S. 12, 26; P.A. 92-60, S. 15; P.A. 93-297, S. 28, 29.)
CT Gen Stat § 38a-387. (Formerly Sec. 38-344) (2020)
2020 Connecticut General Statutes|Title 38a - Insurance|Chapter 700 - Property and Casualty Insurance|Section 38a-387. (Formerly Sec. 38-344) - Special surety or guaranty filings. Order to suspend or modify filing requirements.

 (a) Any special filing with respect to a surety or guaranty bond required by law or by court or executive order or by order, rule or regulation of a public body, not covered by a previous filing, shall become effective when filed and shall be deemed to meet the requirements of sections 38a-363 to 38a-388, inclusive, until such time as the commissioner reviews the filing and so long thereafter as the filing remains in effect.(b) If, within forty-five days after a special surety or guaranty filing subject to subsection (a) of this section has become effective, the commissioner finds that such filing does not meet the requirements of sections 38a-363 to 38a-388, inclusive, he shall send to the insurer which made such filing written notice of disapproval, specifying therein in what respects he finds such filing fails to meet the requirements of said sections and stating, within a reasonable period thereafter, when such filing shall be deemed no longer effective. Such disapproval shall not affect any contract made or issued prior to the expiration of the period set forth in such notice.(c) Under such regulations as he adopts the commissioner may, by written order, suspend or modify the requirement of filing as to any kind of insurance, subdivision or combination thereof, or as to classes of risks, the rates for which cannot practicably be filed before they are used. Such orders and regulations shall be made known to such insurers.(d) Upon the written application of the insured, stating his reasons therefor, filed with and approved by the commissioner, a rate in excess of that provided by a filing otherwise applicable may be used on any specific risk.(1972, P.A. 273, S. 26; P.A. 82-353, S. 14, 26; P.A. 92-60, S. 16.)History: P.A. 82-353 eliminated the provisions re filing of manual of classifications, rules, rates, rating plans and modifications, review of filings and the waiting period and added a provision re disapproval of special surety or guaranty filings, effective July 1, 1983; Sec. 38-344 transferred to Sec. 38a-387 in 1991; P.A. 92-60 made technical corrections for statutory consistency.See Secs. 38a-676 and 38a-688 re review of rates for commercial risk insurance and personal risk insurance.Annotations to former section 38-344:Cited. 169 C. 267; 186 C. 507.
CT Gen Stat § 38a-388. (Formerly Sec. 38-350) (2020)
2020 Connecticut General Statutes|Title 38a - Insurance|Chapter 700 - Property and Casualty Insurance|Section 38a-388. (Formerly Sec. 38-350) - Conflict with chapters 246, 247, 248.

 The provisions of sections 38a-363 to 38a-388, inclusive, shall be construed to be supplementary and not as a substitute for the provisions of chapters 246, 247 and 248. In the event of any conflict between the provisions of said sections and the provisions of chapters 246, 247 and 248, then the provisions of said chapters shall prevail.(1972, P.A. 273, S. 35; P.A. 92-60, S. 17.)History: Sec. 38-350 transferred to Sec. 38a-388 in 1991; P.A. 92-60 made technical corrections for statutory consistency.Annotations to former section 38-350:Cited. 169 C. 267; 186 C. 507.
CT Gen Stat § 38a-389 (2020)
2020 Connecticut General Statutes|Title 38a - Insurance|Chapter 700 - Property and Casualty Insurance|Section 38a-389 - Filing of rates to reflect premium savings. Prior rate approval.

 (a) The General Assembly finds and concludes that the system of bodily injury liability, basic and added reparations benefits and uninsured and underinsured motorist insurance, as amended by the provisions of public act 93-297*, will generate premium savings for policyholders with such coverages.(b) Each insurer licensed to sell private passenger automobile insurance in this state shall refile, with the Insurance Commissioner, its base rates for such coverages to reflect the elimination of mandatory basic and added reparations benefits pursuant to public act 93-297* and any additional premium savings attributable to said act. Such rates shall be refiled, as soon as practicable, for use with policies effective on or after January 1, 1994.(c) Upon receipt of the initial base rate filing made under this section, the Insurance Commissioner, before permitting such filing to become effective, shall consult with an independent actuary for the purpose of assuring that such rates reflect both (1) the insurer's rates on file on May 1, 1993, adjusted for cost trends from the date of filing to January 1, 1994; and (2) the elimination of mandatory basic and added reparations benefits pursuant to public act 93-297* and any additional premium savings attributable to said act. Such revised rates shall be applicable to all new and renewal policies effective on or after January 1, 1994.(d) The base rates for bodily injury liability coverage and uninsured and underinsured motorist coverage that are filed subsequent to the initial filing of base rates pursuant to this section shall be subject to prior rate approval in the same manner as in a noncompetitive market pursuant to subdivision (2) of subsection (a) of section 38a-688.(P.A. 93-297, S. 27, 29; P.A. 97-303.)*Note: Public act 93-297 is entitled “An Act Concerning Automobile Insurance Reform”. (See Reference Table captioned “Public Acts of 1993” in Volume 16 which lists the sections amended, created or repealed by the act.)History: P.A. 93-297 effective July 1, 1993; P.A. 97-303 made a technical change in Subsec. (b) and amended Subsec. (d) to eliminate sunset provision ending December 31, 1997.
CT Gen Stat § 38a-393. (Formerly Sec. 38-370a) (2020)
2020 Connecticut General Statutes|Title 38a - Insurance|Chapter 700 - Property and Casualty Insurance|Section 38a-393. (Formerly Sec. 38-370a) - Record of cancellation of professional liability policies. Regulations.

 (a) Each insurance company doing business in this state shall, annually, on or before the first day of March, render to the Insurance Commissioner a true record of the number, according to classification, of cancellations of and refusals to renew professional liability insurance policies for the year ending on the thirty-first day of December next preceding.(b) For purposes of sections 38a-393 to 38a-395, inclusive, “professional liability insurance” means professional liability contracts for: (1) Physicians and surgeons, (2) hospitals, (3) lawyers, (4) dentists, (5) architects and engineers, (6) chiropractors, (7) licensed naturopaths, (8) podiatrists, (9) advanced practice registered nurses, (10) physical therapists, and (11) massage therapists and such other categories as the Insurance Commissioner, in the commissioner's discretion, shall adopt by regulations in accordance with chapter 54.(P.A. 76-61; P.A. 77-614, S. 163, 610; P.A. 80-482, S. 330, 348; P.A. 84-208; P.A. 90-90, S. 2; P.A. 94-71, S. 6; P.A. 99-102, S. 44; 99-168, S. 7; P.A. 06-195, S. 85; P.A. 18-168, S. 66.)History: P.A. 77-614 placed insurance commissioner within the department of business regulation and made insurance department a division within that department, effective January 1, 1979; P.A. 80-482 restored insurance commissioner and division to prior independent status and abolished the department of business regulation; P.A. 84-208 added Subsec. (b) requiring the insurance commissioner to adopt regulations defining the word “professional” for purposes of this chapter; P.A. 90-90 amended Subsec. (b) to define “professional liability insurance”, replacing prior provision which had authorized commissioner to adopt regulations defining “professional”; Sec. 38-370a transferred to Sec. 38a-393 in 1991; P.A. 94-71 amended Subsec. (b) by adding references to “osteopathic physicians”, “chiropractors”, “licensed naturopaths” and “podiatrists” in definition of “professional liability insurance”; P.A. 99-102 amended Subsec. (b) by deleting former Subdiv. (6) re obsolete reference to osteopathic physicians, renumbering the remaining Subdivs. and making a technical change; P.A. 99-168 amended Subsec. (b) by adding advanced practice registered nurses and making a technical change; P.A. 06-195 added Subsec. (b)(10) to include physical therapists in definition of “professional liability insurance”; P.A. 18-168 amended Subsec. (b) by adding Subdiv. (11) re massage therapists, and making a conforming change, effective October 1, 2019.See Sec. 20-73d re professional liability insurance requirements for physical therapists.
CT Gen Stat § 38a-400 (2020)
2020 Connecticut General Statutes|Title 38a - Insurance|Chapter 700a - Title Insurance|Section 38a-400 - Short title: Connecticut Title Insurance Act. Purpose.

 (a) Sections 38a-400 to 38a-425, inclusive, shall be known and may be cited as the “Connecticut Title Insurance Act”.(b) The purpose of said sections is to provide the state of Connecticut with a comprehensive body of law for the effective regulation and supervision of title insurance business transacted within this state in response to the McCarran-Ferguson Act, 15 USC Sections 1011 to 1015, inclusive, as from time to time amended.(P.A. 90-218, S. 1.)
CT Gen Stat § 38a-401 (2020)
2020 Connecticut General Statutes|Title 38a - Insurance|Chapter 700a - Title Insurance|Section 38a-401 - Application of act and construction with other laws.

 (a) Sections 38a-400 to 38a-425, inclusive, shall apply to all title insurers, title insurance rating organizations, title agents, applicants for title insurance, title insurance policyholders and all persons engaged in title insurance transactions in this state.(b) Except as otherwise expressly provided in sections 38a-400 to 38a-425, inclusive, and except where the context otherwise requires, all provisions of this title applicable to insurance and insurance companies generally shall apply to title insurance and title insurance companies.(c) Nothing in sections 38a-400 to 38a-425, inclusive, shall be construed to authorize the practice of law by any person who is not duly admitted to practice law in this state nor shall it be construed to authorize the commissioner to regulate the practice of law.(P.A. 90-218, S. 2; P.A. 19-196, S. 4.)History: P.A. 19-196 made a technical change in Subsec. (b).
CT Gen Stat § 38a-403 (2020)
2020 Connecticut General Statutes|Title 38a - Insurance|Chapter 700a - Title Insurance|Section 38a-403 - Title insurers' authorized activities.

 Each title insurer may (1) engage in the title insurance business in this state if licensed to do so by the commissioner, (2) conduct its operations on a direct basis through a branch office.(P.A. 90-218, S. 4.)
CT Gen Stat § 38a-404 (2020)
2020 Connecticut General Statutes|Title 38a - Insurance|Chapter 700a - Title Insurance|Section 38a-404 - Limitations on powers.

 No person subject to sections 38a-400 to 38a-425, inclusive, shall engage in activities prohibited to corporations under section 38a-45, except that such persons may guarantee the obligations of their agents in the normal course of business by issuing closing protection letters.(P.A. 90-218, S. 5.)
CT Gen Stat § 38a-405 (2020)
2020 Connecticut General Statutes|Title 38a - Insurance|Chapter 700a - Title Insurance|Section 38a-405 - Capital and surplus requirements.

 A title insurer shall have such minimum capital and surplus as is required by section 38a-72.(P.A. 90-218, S. 6.)
CT Gen Stat § 38a-406 (2020)
2020 Connecticut General Statutes|Title 38a - Insurance|Chapter 700a - Title Insurance|Section 38a-406 - Single risk limitation.

 (a) The net retained liability of a title insurer for a single risk on property located in this state, whether assumed directly or as reinsurance, may not exceed fifty per cent of the sum of its total surplus to policyholders and reserve, less the value assigned to title plants, as shown in the most recent annual statement of the insurer on file in the office of the commissioner.(b) The commissioner may waive the limitation of this section for a particular risk upon application of the insurer and for good cause shown.(P.A. 90-218, S. 7.)
CT Gen Stat § 38a-407 (2020)
2020 Connecticut General Statutes|Title 38a - Insurance|Chapter 700a - Title Insurance|Section 38a-407 - Underwriting standards and record retention.

 No title insurance policy may be written unless and until the title insurer or its title agent has caused to be conducted a reasonable search and examination of the title and has caused to be made a determination of insurability of title in accordance with sound underwriting practices. Evidence of the examination of title and determination of insurability shall be preserved and retained in the files of the title insurer or its title agent for a period of not less than ten years after the title insurance policy has been issued. Instead of retaining the original evidence, the title insurer or title agent may in the regular course of business establish a system whereby all or part of the evidence is recorded, copied, or reproduced by any process that accurately and legibly reproduces or forms a durable medium for reproducing the contents of the original. This section shall not apply to: (1) A title insurer assuming liability through a contract of reinsurance or (2) a title insurer acting as coinsurer if one of the other coinsuring title insurers has complied with this section. In causing to be conducted a reasonable search and examination of title and determination of insurability of title, a title insurer or its agent may rely upon a policy of title insurance previously issued by a title insurer authorized to do business in this state when such policy was issued.(P.A. 90-218, S. 8; May Sp. Sess. P.A. 92-11, S. 41, 70.)History: May Sp. Sess. P.A. 92-11 made a technical change.
CT Gen Stat § 38a-408 (2020)
2020 Connecticut General Statutes|Title 38a - Insurance|Chapter 700a - Title Insurance|Section 38a-408 - Unearned premium reserve.

 (a) A domestic title insurer shall establish and maintain a reserve, computed in accordance with this section, and all sums attributed to such reserve shall at all times and for all purposes be considered and constitute unearned portions of the original premiums. This reserve shall be reported as a liability of the title insurer in its financial statements.(b) The reserve shall be maintained by the title insurer for the protection of holders of title insurance policies. Except as provided in this section, assets equal in value to the reserve are not subject to distribution among creditors or owners of the title insurer until all claims of policyholders or claims under reinsurance contracts have been paid in full and all liability on the policies or reinsurance contracts has been paid in full and discharged or lawfully reinsured.(c) A foreign or alien title insurance company licensed to transact title insurance business in this state shall maintain at least the same reserves on title insurance policies issued on properties located in this state as are required of domestic title insurance companies, unless the laws of jurisdiction of domicile of the foreign or alien title insurance company require a higher amount.(d) The reserve shall consist of (1) the amount of the reserve on October 1, 1990, and (2) a sum equal to fifteen cents for each one thousand dollars of net retained liability under each title insurance policy on a single risk written on properties located in this state written after October 1, 1990.(e) Amounts placed in the reserve in any year in accordance with subdivision (2) of subsection (d) of this section shall be deducted in determining the net profit of the title insurer for that year.(f) A title insurer shall release from the reserve a sum equal to ten per cent of the amount added to the reserve during a calendar year on July first of each of the five years following the year in which the sum was added, and shall release from the reserve a sum equal to three and one-third per cent of the amount added to the reserve during that year on each succeeding July first until the entire amount for that year has been released. The amount of the reserve or similar unearned premium reserve maintained before October 1, 1990, shall be released in accordance with the law in effect before October 1, 1990.(P.A. 90-218, S. 9.)
CT Gen Stat § 38a-409 (2020)
2020 Connecticut General Statutes|Title 38a - Insurance|Chapter 700a - Title Insurance|Section 38a-409 - Use of reserve on liquidation, dissolution or insolvency.

 (a) If a domestic title insurer becomes insolvent, is in the process of liquidation or dissolution or is in the possession of the commissioner:(1) Such amount of the assets of such title insurance company equal to the reserve then remaining may be used by or with the written approval of the commissioner to pay for reinsurance of the liability of such title insurer upon all outstanding title insurance policies or reinsurance agreements to the extent for which claims for losses by the holders thereof are not then pending. The balance of such assets, if any, equal to the reserve may then be transferred to the general assets of the title insurer.(2) The assets net of the reserve shall be available to pay claims for losses sustained by holders of title insurance policies then pending or arising up to the time reinsurance is effected. If claims for losses exceed such other assets of the title insurer such claims, when established, shall be paid pro rata out of the surplus assets attributable to the reserve, to the extent of such surplus, if any.(b) If reinsurance is not obtained, assets equal to the reserve and assets constituting minimum capital, or so much as remains thereof after outstanding claims have been paid, shall constitute a trust fund to be held and invested by the commissioner for twenty years, out of which claims of policyholders shall be paid as they arise. The balance, if any, of the trust fund shall, at the expiration of twenty years, revert to the general assets of the title insurer.(P.A. 90-218, S. 10.)
CT Gen Stat § 38a-410 (2020)
2020 Connecticut General Statutes|Title 38a - Insurance|Chapter 700a - Title Insurance|Section 38a-410 - Loss and loss expense reserve.

 (a) All title insurers licensed in this state shall establish and maintain reserves against unpaid losses and loss expenses.(b) Upon receiving written notice from or on behalf of the insured of a title defect in or lien or adverse claim against the title of the insured that may result in a loss or cause expense to be incurred in the proper disposition of the claim, the title insurer shall determine the amount to be added to the reserve, which amount shall reflect a careful estimate of the loss or loss expense likely to result by reason of the claim.(c) Reserves required under this section may be revised from time to time and shall be redetermined at least once each year.(P.A. 90-218, S. 11.)