reglab/housing_qa huggingface dataset:
ID Code § 41-1309 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 13 - TRADE PRACTICES AND FRAUDS|Section 41-1309 - BOYCOTT, COERCION AND INTIMIDATION.

41-1309. BOYCOTT, COERCION AND INTIMIDATION. No person or persons shall enter into any agreement to commit, or by any concerted action commit, any act of boycott, coercion or intimidation resulting in or tending to result in unreasonable restraint of, or monopoly in, the business of insurance.  History: [41-1309, added 1961, ch. 330, sec. 287, p. 645.]
ID Code § 41-1310 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 13 - TRADE PRACTICES AND FRAUDS|Section 41-1310 - PERSON FINANCING PURCHASE OF PROPERTY NOT TO FAVOR INSURER OR AGENT.

41-1310. PERSON FINANCING PURCHASE OF PROPERTY NOT TO FAVOR INSURER OR AGENT. No person engaged in the business of financing the purchase of real or personal property and no trustee, director, officer, agent or other employee of any such person shall require, as a condition to financing the purchase of such property or to loaning money upon the security of a mortgage thereon, or, as a condition for the renewal or extension of any such loan or mortgage or for the performance of any other act in connection therewith, that the person for whom such purchase is to be financed or to whom the money is to be loaned or for whom such extension, renewal or other act is to be granted or performed, purchase or place fire, property damage, theft, collision or personal injury insurance which is required to be maintained by him on the mortgaged property, from or through any particular insurance agent or agents, broker or brokers, or insurer or insurers.  History: [41-1310, added 1961, ch. 330, sec. 288, p. 645.]
ID Code § 41-1311 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 13 - TRADE PRACTICES AND FRAUDS|Section 41-1311 - SELLER OF PROPERTY NOT TO FAVOR INSURER OR AGENT.

41-1311. SELLER OF PROPERTY NOT TO FAVOR INSURER OR AGENT. No seller of real or personal property, and no person engaged in the business of selling real or personal property, and no trustee, director, officer, agent or other employee of any such seller or such other person shall require, as a condition to the selling of such property, or for the performance of any other act in connection therewith, that the person to whom such property is to be sold, purchase or place any fire, property damage, theft, collision or personal injury insurance covering such property, from any particular insurance agent or agents, broker or brokers, or insurer or insurers.  History: [41-1311, added 1961, ch. 330, sec. 289, p. 645.]
ID Code § 41-1312 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 13 - TRADE PRACTICES AND FRAUDS|Section 41-1312 - RIGHTS WITH RESPECT TO INSURANCE ON PROPERTY SOLD OR PURCHASED.

41-1312. RIGHTS WITH RESPECT TO INSURANCE ON PROPERTY SOLD OR PURCHASED. Sections 41-1310 or 41-1311 shall not prevent: (1) The reasonable exercise by any person engaged in any such business of his right to approve or disapprove the insurance or the insurer selected to write the insurance, on reasonable grounds related to the risk selection or underwriting practices of the insurer, the adequacy and terms of the coverage with respect to the interest of such person to be insured thereunder, the quality of service rendered by the insurer or its representative in connection with the insurance, and the financial standards to be met by the insurer; nor of his right to furnish such insurance or to renew any insurance required by the contract of sale or mortgage, trust deed or other loan agreement if the borrower or purchaser has failed to furnish the insurance or renewal thereof within such reasonable time or form as may be specified in the sale or loan agreement. The lender or vendor shall not refuse to accept insurance provided by an acceptable insurer on the ground that such insurance provides more coverage than is required in the sale or loan agreement, unless the additional coverage consists of life or disability insurance. (2) The free choice of insurance agent or broker by any borrower or purchaser at any time, and he may revoke any designation of insurance agent or broker at any time irrespective of the provisions of any loan or purchase agreement, mortgage, or trust deed. (3) The exercise by any person engaged in such business of his right to furnish such insurance or to renew such insurance, and to charge the account of the borrower or purchaser with the costs thereof, if the borrower or purchaser fails to deliver to the lender or vendor such insurance at least thirty (30) days prior to expiration of the existing policy. If an insurance policy procured by the borrower or purchaser is subsequently substituted for that then in force, the lender or vendor may impose a reasonable service charge as determined by the director for the transaction, and payment of such charge by the agent or broker shall not be a violation of any other provision of this code. No service charge shall be imposed for normal insurance changes made during the term of the policy. (4) The director may adopt a uniform statewide schedule of permissive maximum charges for the substitution of policies authorized in subdivision (3) above.  History: [41-1312, added 1961, ch. 330, sec. 290, p. 645.]
ID Code § 41-1313 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 13 - TRADE PRACTICES AND FRAUDS|Section 41-1313 - UNFAIR DISCRIMINATION — LIFE INSURANCE, ANNUITIES, AND DISABILITY INSURANCE.

41-1313. UNFAIR DISCRIMINATION — LIFE INSURANCE, ANNUITIES, AND DISABILITY INSURANCE. (1) No person shall make or permit any unfair discrimination between individuals of the same class and equal expectation of life in the rates charged for any contract of life insurance or of life annuity or in the dividends or other benefits payable thereon, or in any other of the terms and conditions of such contract. (2) No person shall make or permit any unfair discrimination between individuals of the same class and of essentially the same hazard in the amount of premium, policy fees, or rates charged for any policy or contract of disability insurance or in the benefits payable thereunder, or in any of the terms or conditions of such contract, or in any other manner whatever. (3) No person shall discriminate on the basis of a genetic test or private genetic information, as those terms are defined in section 39-8302, Idaho Code, in the issuance of coverage, or the fixing of rates, terms or conditions, for any policy or contract of disability insurance or any health benefit plan.  History: [41-1313, added 1961, ch. 330, sec. 291, p. 645; am. 2006, ch. 293, sec. 2, p. 906.]
ID Code § 41-1314 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 13 - TRADE PRACTICES AND FRAUDS|Section 41-1314 - REBATES — ILLEGAL INDUCEMENTS.

41-1314. REBATES — ILLEGAL INDUCEMENTS. (1) Except as otherwise expressly provided by law, no person shall knowingly make, permit to be made, or offer to make any contract of insurance, or of annuity, or agreement as to such contract, other than as plainly expressed in the contract issued thereon, or pay or allow, or give or offer to pay, allow, or give, directly or indirectly, as inducement to such insurance or annuity or in connection therewith, any rebate of premiums payable on the contract, or of any producer’s commission related thereto, or any special favor or advantage in the dividends or other benefits thereon, or any paid employment or contract for services of any kind, or any valuable consideration or inducement whatever not specified in the contract; or directly or indirectly give, or sell, or purchase or offer or agree to give, sell, purchase, or allow as inducement to such insurance or annuity or in connection therewith, and whether or not specified or to be specified in the policy or contract, any agreement of any form or nature promising returns and profits, or any stocks, bonds, or other securities, or interest present or contingent therein or as measured thereby, of any insurer or other person, or any dividends or profits accrued or to accrue thereon; or offer, promise or give anything of value whatsoever not specified in the contract. Nor shall any insured, annuitant, or policyholder or employee thereof, or prospective insured, annuitant or policyholder, or employee thereof, knowingly accept or receive, directly or indirectly, any such prohibited contract, agreement, rebate, advantage, employment, or other inducement. (2) Nothing in this section shall be construed as prohibiting the payment of commissions or other compensation to duly licensed producers, or as prohibiting any insurer from allowing or returning to its participating policyholders, members or subscribers, the usual and ordinary dividends, savings, or unabsorbed premium deposits. (3) Nothing in this section shall be construed as prohibiting a life insurer, disability insurer, property insurer or casualty insurer, or producers who are marketing life insurance, disability insurance, property insurance or casualty insurance, from providing to a policyholder or prospective policyholder of life, disability, property or casualty insurance, any prizes, goods, wares, merchandise, articles or property of an aggregate value not to exceed two hundred dollars ($200) in a calendar year. (4) Extension of credit for the payment of premium beyond the customary premium payment period without charging and collecting interest at a reasonable rate per annum on the amount of credit so extended and for the duration of such credit is prohibited under this section.  History: [41-1314, added 1961, ch. 330, sec. 292, p. 645; am. 1969, ch. 214, sec. 46, p. 625; am. 2006, ch. 212, sec. 1, p. 643; am. 2011, ch. 259, sec. 1, p. 704.]
ID Code § 41-1315 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 13 - TRADE PRACTICES AND FRAUDS|Section 41-1315 - EXCEPTIONS TO DISCRIMINATION OR REBATE PROVISION — LIFE OR DISABILITY POLICIES, AND ANNUITY CONTRACTS.

41-1315. EXCEPTIONS TO DISCRIMINATION OR REBATE PROVISION — LIFE OR DISABILITY POLICIES, AND ANNUITY CONTRACTS. Nothing in sections 41-1313 and 41-1314[, Idaho Code,] shall be construed as including within the definition of discrimination or rebates or illegal inducements any of the following practices: (1) In the case of any contract of life insurance or life annuity, paying bonuses to policy holders or otherwise abating their premiums in whole or in part out of surplus accumulated from nonparticipating insurance, provided that any such bonuses or abatement of premiums shall be fair and equitable to policy holders. (2) In the case of life insurance policies issued on the debit plan, making allowance to policy holders who have continuously for a specified period made premium payments directly to an office of the insurer in an amount which fairly represents the saving in collection expense. (3) Readjustment of the rate of premium for a group insurance policy based on the loss or expense experience thereunder, at the end of the first or any subsequent policy year of insurance thereunder, which may be made retroactive only for such policy year. (4) Issuing life or disability insurance policies on a salary savings, bank draft, preauthorized check or payroll deduction plan or other similar plan at a reduced rate reasonably related to the savings made by use of such plan. (5) Issuance of life or disability insurance policies or annuity contracts at rates less than the usual rates of premiums for such policies or contracts, or modification of premium or rate based on amount of insurance; but any such issuance or modification shall not result in reduction in premium or rate in excess of savings in administration and issuance expenses reasonably attributable to such policies or contracts.  History: [41-1315, added 1961, ch. 330, sec. 293, p. 645.]
ID Code § 41-1315A (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 13 - TRADE PRACTICES AND FRAUDS|Section 41-1315A - DISCOUNTS TO EMPLOYEES.

41-1315A. DISCOUNTS TO EMPLOYEES. No provision of title 41, Idaho Code, shall be deemed to prohibit allowance by an insurer, agent, or broker to the insurer’s or licensee’s bona fide full-time salaried employee of a discount from the premium otherwise payable for insurance on the employee’s life or health or those of his dependents, or on the employee’s property or risks other than property or risks used or involved in business operations of the employee other than as an employee of the insurer, agent, or broker. The amount of discount shall in no event exceed the amount of the agent’s commission that the employer insurer may otherwise pay or the amount of commission to be received by the employer agent or broker, with respect to the insurance. Title insurers and title insurance agents may provide reimbursements or discounts of escrow fees or title insurance premiums in accordance with chapter 27, title 41, Idaho Code.  History: [41-1315A, added 1972, ch. 369, sec. 9, p. 1072; am. 2001, ch. 296, sec. 6, p. 1063; am. 2018, ch. 213, sec. 1, p. 481.]
ID Code § 41-1316 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 13 - TRADE PRACTICES AND FRAUDS|Section 41-1316 - STOCK OPERATIONS AND ADVISORY BOARD CONTRACTS.

41-1316. STOCK OPERATIONS AND ADVISORY BOARD CONTRACTS. No person shall issue or deliver or permit its agents, officers, or employees to issue or deliver, agency company stock or other capital stock, or benefit certificates or shares in any common-law corporation, or any advisory board contract or other contract of any kind promising returns and profits as an inducement to insurance.  History: [41-1316, added 1961, ch. 330, sec. 294, p. 645.]
ID Code § 41-1317 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 13 - TRADE PRACTICES AND FRAUDS|Section 41-1317 - FICTITIOUS GROUPS.

41-1317. FICTITIOUS GROUPS. (1) No insurer, whether an authorized insurer or an unauthorized insurer, shall make available through any rating plan or form, property, casualty or surety insurance to any firm, corporation, or association of individuals, any preferred rate or premium based upon any fictitious grouping of such firm, corporation, or individuals. For the purposes of this section a "fictitious" group is one in which members of such group do not have a common insurable interest as to the subject of the insurance and the risk or risks insured or to be insured. (2) No form or plan of insurance covering any group or combination of persons or risks shall be written or delivered within or outside of Idaho to cover Idaho persons or risks at any preferred rate or form other than that offered to persons not in such group and the public generally, unless such form, plan or policy and the rates or premiums to be charged therefor have been submitted to and approved by the director as not in conflict with subsection (1) above, and section 41-1405 (rate standards), Idaho Code. (3) Nothing in this section shall apply to workmen’s compensation, life or disability insurance or to annuity contracts; nor to any insurer which restricts its insurance coverages to members of a particular association or organization with which the insurer is directly affiliated; nor to credit unemployment insurance indemnifying a creditor for installment or other periodic payments on indebtedness becoming due while a debtor has suffered loss of income resulting from involuntary unemployment; nor to municipal corporations, governmental employers or governmental entities; nor to group casualty or liability coverage when the director has determined that an affinity of interest legitimately exists between or among the members of the group.  History: [41-1317, added 1961, ch. 330, sec. 295, p. 645; am. 1969, ch. 214, sec. 47, p. 625; am. 1972, ch. 360, sec. 1, p. 1065; am. 1977, ch. 241, sec. 1, p. 718; am. 1979, ch. 315, sec. 2, p. 849.]
ID Code § 41-1318 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 13 - TRADE PRACTICES AND FRAUDS|Section 41-1318 - INTERLOCKING OWNERSHIP OR MANAGEMENT.

41-1318. INTERLOCKING OWNERSHIP OR MANAGEMENT. (1) Any insurer may retain, invest in or acquire the whole or any part of the capital stock of any other insurer or insurers, or have a common management with any other insurer or insurers, unless such retention, investment, acquisition or common management is inconsistent with any other provision of this code, or unless by reason thereof the business of such insurers with the public is conducted in a manner which substantially lessens competition generally in the insurance business or tends to create a monopoly therein. (2) Any person otherwise qualified may be a director of two or more insurers which are competitors, unless the effect thereof is to lessen substantially competition between insurers generally or tends materially to create a monopoly.  History: [41-1318, added 1961, ch. 330, sec. 296, p. 645.]
ID Code § 41-1321 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 13 - TRADE PRACTICES AND FRAUDS|Section 41-1321 - PROCEDURES AS TO UNDEFINED PRACTICES.

41-1321. PROCEDURES AS TO UNDEFINED PRACTICES. [(1)] Whenever the director has reason to believe that any person engaged in the business of insurance is engaging in this state in any method of competition or in any act or practice in the conduct of such business which is not expressly prohibited or defined in this chapter, that such method of competition is unfair or that such act or practice is unfair or deceptive and that a proceeding by him in respect thereto would be to the interest of the public, he may issue and serve upon such person a statement of the charges in that respect and a notice of a hearing thereon as provided for in chapter 2, title 41, Idaho Code, or seek any other relief authorized by title 41, Idaho Code.  History: [41-1321, added 1961, ch. 330, sec. 299, p. 645; am. 2005, ch. 77, sec. 8, p. 261.]
ID Code § 41-1323 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 13 - TRADE PRACTICES AND FRAUDS|Section 41-1323 - ILLEGAL DEALING IN PREMIUMS — EXCESS CHARGES FOR INSURANCE.

41-1323. ILLEGAL DEALING IN PREMIUMS — EXCESS CHARGES FOR INSURANCE. (1) No person shall wilfully collect any sum as premium or charge for insurance, which insurance is not then provided or is not in due course to be provided (subject to acceptance of the risk by the insurer) by an insurance policy issued by an insurer as authorized by this code. (2) No person shall wilfully collect as premium or charge for insurance any sum in excess of the premium or charge applicable to such insurance, and as specified in the policy, in accordance with the applicable classifications and rates as filed with and approved by the director; or, in cases where classifications, premiums, or rates are not required by this code to be so filed and approved, such premiums and charges shall not be in excess of those specified in the policy and as fixed by the insurer. This provision shall not be deemed to prohibit the charging and collection, by surplus line brokers licensed under chapter 12 of this code, of the amount of applicable state and federal taxes in addition to the premium required by the insurer. Nor shall it be deemed to prohibit the charging and collection, by a life insurer, of amounts actually to be expended for medical examination of an applicant for life insurance or for reinstatement of a life insurance policy. (3) Each violation of this section shall be punishable under section 41-117 (general penalty).  History: [41-1323, added 1961, ch. 330, sec. 301, p. 645.]
ID Code § 41-1324 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 13 - TRADE PRACTICES AND FRAUDS|Section 41-1324 - REPORT OF EXACT CONSIDERATION TO INSURER.

41-1324. REPORT OF EXACT CONSIDERATION TO INSURER. Every agent, broker or other insurance representative shall report to the insurer the exact consideration charged for any insurance policy or contract. If any policy, contract or certificate of insurance is issued by the agent, broker or representative, such exact consideration shall also be shown therein. This provision shall not apply as to certificates or other evidence of insurance issued to individuals as to coverage under group life or group disability insurance or group annuity contracts; nor as to any form of insurance contract lawfully authorized by the insurer and under which the amount of the premium is to be determined subsequent to the issuance of the contract.  History: [41-1324, added 1961, ch. 330, sec. 302, p. 645.]
ID Code § 41-1325 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 13 - TRADE PRACTICES AND FRAUDS|Section 41-1325 - BORROWING MONEY FROM CLIENTS.

41-1325. BORROWING MONEY FROM CLIENTS. (1) An insurance producer who borrows money, securities or anything of value from a client or customer, unless the client or customer is a person engaged in the business of loaning funds or is an immediate family member of the insurance producer, shall complete a written loan agreement that sets forth the parties to the loan, the purpose of the loan, the amount of the loan and the terms of the loan. All parties to the loan must sign the loan agreement acknowledging the transaction and must receive a copy of the loan agreement. The insurance producer shall keep a record of the loan transaction until the loan is paid back in full. Any release of the debt shall be in writing and signed by all parties to the release. (2) As used in this section, the term "immediate family member" means a parent, mother-in-law, father-in-law, husband, wife, sister, brother, brother-in-law, sister-in-law, son-in-law, daughter-in-law, or a son or daughter.  History: [41-1325, added 2005, ch. 73, sec. 1, p. 250.]
ID Code § 41-1327 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 13 - TRADE PRACTICES AND FRAUDS|Section 41-1327 - VIOLATIONS — PENALTY.

41-1327. VIOLATIONS — PENALTY. Any person who violates any provision of this chapter as to which a penalty is not expressly provided, or who violates a cease and desist order issued by the director under section 41-213, Idaho Code, after such order has become final, shall be subject to penalties as prescribed by or referred to in section 41-117, Idaho Code (general penalty).  History: [41-1327, added 1961, ch. 330, sec. 305, p. 645; am. 2005, ch. 78, sec. 4, p. 273.]
ID Code § 41-1328 (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 13 - TRADE PRACTICES AND FRAUDS|Section 41-1328 - PAYMENT OF CLAIMS BY INSURERS.

41-1328. PAYMENT OF CLAIMS BY INSURERS. Every insurer issuing a motor vehicle insurance policy, as defined in chapter 5, title 41, Idaho Code, shall, in the event of damage to a covered motor vehicle by collision and the election by the insurer to have such motor vehicle repaired, make payment by check or draft, payable to the repairer or to the named insured and the repairer, jointly, no later than twenty (20) days subsequent to receipt of an itemized bill or invoice covering repairs authorized by the insurer which have been satisfactorily completed.  History: [I.C., sec. 41-1328, as added by 1974, ch. 159, sec. 1, p. 1393.]
ID Code § 41-1328A (2021)
2021 Idaho Code|Title 41 - INSURANCE|Chapter 13 - TRADE PRACTICES AND FRAUDS|Section 41-1328A - REPAIR OF MOTOR VEHICLES.

41-1328A. REPAIR OF MOTOR VEHICLES. The purpose of sections 41-1328A through 41-1328D, Idaho Code, is to regulate the use of aftermarket crash parts by requiring disclosure by the repair facility when any use is proposed of an aftermarket, nonoriginal equipment manufacturer’s crash part, and by requiring that the manufacturers of such aftermarket crash parts identify their products.  History: [41-1328A, added 1990, ch. 156, sec. 1, p. 342.]