reglab/housing_qa huggingface dataset:
RI Gen L § 27-7-5 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-7 - Liability Insurance|Section 27-7-5 - Information to injured party.

§ 27-7-5. Information to injured party.Any insurance company doing business in this state shall reveal to an injured party making a claim against an insured the amount of the limits of liability coverage upon receiving a request in writing for that information from the injured party or his or her attorney. A reply shall be made within fourteen (14) days of receiving the request.History of Section.P.L. 1989, ch. 215, § 1.
RI Gen L § 27-7-6 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-7 - Liability Insurance|Section 27-7-6 - Rental vehicle coverage.

§ 27-7-6. Rental vehicle coverage.(a) For liability assumed under a written contract, coverage shall be provided under the property damage liability section of an insured's private passenger automobile insurance policy. Property damage coverage shall extend to a rented motor vehicle, under ten thousand pounds (10,000 lbs.), without regard to negligence for a period not to exceed sixty (60) consecutive days.(b) Coverage pursuant to subsection (a) shall apply to all collision and comprehensive type losses.History of Section.P.L. 2004, ch. 54, § 1; P.L. 2004, ch. 59, § 1; P.L. 2021, ch. 260, § 1, effective July 14, 2021; P.L. 2021, ch. 265, § 1, effective July 14, 2021.
RI Gen L § 27-7-7 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-7 - Liability Insurance|Section 27-7-7 - Written notice to claimants of payment of claim in settlements.

§ 27-7-7. Written notice to claimants of payment of claim in settlements.Upon payment of five thousand dollars ($5,000) or more in settlement of any liability claim, the insurer shall cause written notice of the payment to be mailed to the claimant, at the same time payment is made by the insurer or its representative, including the insurer's attorney, to the claimant's attorney or other representative of the claimant by draft, check, or otherwise.History of Section.P.L. 2005, ch. 69, § 3; P.L. 2005, ch. 79, § 3.
RI Gen L § 27-7.1-1 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-7.1 - Workers' Compensation Insurance|Section 27-7.1-1 - Applicability.

§ 27-7.1-1. Applicability.The provisions set forth in this chapter shall apply to approval of insurance policies and rates by the director of the department of business regulation, referred to in this chapter as "the director."History of Section.P.L. 1985, ch. 365, § 18.
RI Gen L § 27-7.1-2 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-7.1 - Workers' Compensation Insurance|Section 27-7.1-2 - Approval of policies.

§ 27-7.1-2. Approval of policies.(a) Every insurance company issuing workers' compensation insurance policies covering the payment of compensation and benefits provided for in this chapter shall file with the director:(1) A copy of the form of the policies. A policy may not be issued until the director has approved the form; and(2) Its classification of risks and their premium rates and any subsequent proposed classifications and premium rates, which may not take effect until the expiration of sixty (60) days from the date the director has approved them.(b) Premium rates less than those approved may be used and filed with the director. If the director has reason to believe that the filing produces rates that are inadequate or unfairly discriminatory, the director may disapprove them.(c) Any policy forms, subject to this chapter and filed by an insurer or rating organization on behalf of its members or subscribers with the director, shall be deemed public information at the time of the filing; and the director shall furnish the policy forms and all pertinent information as to the policy forms, upon written request, to any insured, to any authorized representative of an insured, to any insurance company trade association, or to any trade association of insurance producers.History of Section.P.L. 1985, ch. 365, § 18; P.L. 1990, ch. 500, § 1; P.L. 1992, ch. 267, § 1; P.L. 1998, ch. 148, § 2.
RI Gen L § 27-7.1-3, 27-7.1-4 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-7.1 - Workers' Compensation Insurance|Section 27-7.1-3, 27-7.1-4 - Repealed.

§ 27-7.1-3, 27-7.1-4. Repealed.
RI Gen L § 27-7.1-4.1 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-7.1 - Workers' Compensation Insurance|Section 27-7.1-4.1 - Standards for approval of rates.

§ 27-7.1-4.1. Standards for approval of rates.The director shall apply the following standards in making rates:(1) Rates shall not be excessive, inadequate, or unfairly discriminatory.(2) Due consideration shall be given to: (i) past and prospective loss experience within and outside the state; (ii) a reasonable margin for profits and contingencies; (iii) dividends, savings, or unabsorbed premium deposits allowed or returned by insurers to their policyholders, members, or subscribers; (iv) past and prospective expenses both countrywide and those specifically applicable to this state; (v) provisions for special assessments; and (vi) all other relevant factors within and outside this state. In determining the reasonableness of the profit, consideration shall be given to investment income.(3) Risks may be grouped by classifications for the establishment of rates and minimum premiums. Classification rates may be modified to produce rates for individual risks in accordance with rating plans that establish standards for measuring variations in hazards or expense provisions, or both. These standards may measure any differences among risks that can be demonstrated to have a probable effect upon losses or expenses.History of Section.P.L. 1998, ch. 148, § 3.
RI Gen L § 27-7.1-5 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-7.1 - Workers' Compensation Insurance|Section 27-7.1-5 - Repealed.

§ 27-7.1-5. Repealed.
RI Gen L § 27-7.1-6 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-7.1 - Workers' Compensation Insurance|Section 27-7.1-6 - Repealed.

§ 27-7.1-6. Repealed.
RI Gen L § 27-7.1-6.1 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-7.1 - Workers' Compensation Insurance|Section 27-7.1-6.1 - Disapproval of rates.

§ 27-7.1-6.1. Disapproval of rates.(a) If within the waiting period or any extension of the waiting period as provided in § 27-7.1-5.1(c) the director finds that a filing does not meet the requirements of this chapter, a written order of disapproval shall be sent to the insurer or advisory organization, specifying in the order the reasons the filing fails to meet the requirements of this chapter and stating that the filing shall not become effective. If a filing is disapproved by the director, the insurer or advisory organization may request a hearing on the disapproval within thirty (30) days of the date of the order of disapproval and the director shall schedule the hearing within thirty (30) days of the receipt of the request. The insurer bears the burden of proving compliance with the standards established by this chapter.(b) If at any time after a rate has been approved, the director finds that the rate no longer meets the requirements of this chapter, the director may order the discontinuance of use of that rate. The order of discontinuance may be issued after a hearing with at least thirty (30) days prior notice to all insurers affected by the order. The order must be in writing and state the grounds for the order. The order shall also specify when, within a reasonable time after this, the filing will be deemed no longer effective. The order shall not affect any contract or policy made or issued prior to the expiration of the period set forth in the order. The director's order may include a provision for a premium adjustment for contracts or policies made or issued after the effective date of the order.History of Section.P.L. 1998, ch. 148, § 3.
RI Gen L § 27-7.1-6.2 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-7.1 - Workers' Compensation Insurance|Section 27-7.1-6.2 - Consent to rate.

§ 27-7.1-6.2. Consent to rate.Notwithstanding any other provision of this chapter, upon the written consent of the insured, filed with the director, a rate in excess of the rate determined in accordance with the other provisions of this chapter may be used on any specific risk.History of Section.P.L. 1998, ch. 148, § 3.
RI Gen L § 27-7.1-7 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-7.1 - Workers' Compensation Insurance|Section 27-7.1-7 - Repealed.

§ 27-7.1-7. Repealed.
RI Gen L § 27-7.1-7.1 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-7.1 - Workers' Compensation Insurance|Section 27-7.1-7.1 - Information to be furnished insureds.

§ 27-7.1-7.1. Information to be furnished insureds.Every advisory organization and every insurer shall, within a reasonable time after receiving a written request, furnish to any insured affected by a rate made by the insurer, or the authorized representative of the insured, all pertinent information as to that rate.History of Section.P.L. 1998, ch. 148, § 3.
RI Gen L § 27-7.1-7.2 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-7.1 - Workers' Compensation Insurance|Section 27-7.1-7.2 - Repealed.

§ 27-7.1-7.2. Repealed.History of Section.P.L. 1992, ch. 31, § 25; Repealed by P.L. 2011, ch. 158, § 3, effective June 30, 2011; P.L. 2011, ch. 274, § 3, effective July 12, 2011.
RI Gen L § 27-7.1-8 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-7.1 - Workers' Compensation Insurance|Section 27-7.1-8 - Repealed.

§ 27-7.1-8. Repealed.
RI Gen L § 27-7.1-8.1 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-7.1 - Workers' Compensation Insurance|Section 27-7.1-8.1 - Services of advisory organizations.

§ 27-7.1-8.1. Services of advisory organizations.(a) No advisory organization shall provide any service relating to the rates subject to this chapter, and no insurer shall utilize the services of that organization for those purposes, unless the organization has obtained a license pursuant to § 27-9-22.(b) No advisory organization shall refuse to supply any services for which it is licensed in this state to any insurer authorized to do business in this state and offering to pay the fair and usual compensation for the services.History of Section.P.L. 1998, ch. 148, § 3.
RI Gen L § 27-7.1-9 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-7.1 - Workers' Compensation Insurance|Section 27-7.1-9 - Repealed.

§ 27-7.1-9. Repealed.
RI Gen L § 27-7.1-9.1 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-7.1 - Workers' Compensation Insurance|Section 27-7.1-9.1 - Membership in rating organization.

§ 27-7.1-9.1. Membership in rating organization.(a) The director shall appoint one or more advisory organizations licensed in accordance with § 27-9-22 to assist the director in gathering, compiling, and reporting relevant statistical information. Every workers' compensation insurer shall record and report its workers' compensation experience to the advisory organization as set forth in the uniform statistical plans submitted by the advisory organization to the director.(b) Except for corporations organized under chapter 7.2 of this title, each workers' compensation insurer shall be a member of an advisory organization. Each workers' compensation insurer may adhere to the policy terms filed by the advisory organization.(c) Every workers' compensation insurer shall adhere to the uniform classification system and uniform experience rating plan as submitted to the director and which is presently in effect. The experience rating plan shall be the exclusive means of providing prospective premium adjustments based upon measurement of the loss-producing characteristics of an individual insured.(d) Subject to the approval of the director, the advisory organization shall develop and file rules reasonably related to the recording and reporting of data pursuant to the uniform statistical plan, uniform experience rating plan, and the uniform classification system.(e) The advisory organization shall not adopt any rule that would prohibit or regulate the payment of dividends, savings, or unabsorbed premium deposits allowed or returned by insurers to their policyholders, members, or subscribers. A plan for the payment of dividends, savings, or unabsorbed premium deposits allowed or returned by insurers to their policyholders is not considered a rating plan or system.History of Section.P.L. 1998, ch. 148, § 3.
RI Gen L § 27-7.1-10 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-7.1 - Workers' Compensation Insurance|Section 27-7.1-10 - Repealed.

§ 27-7.1-10. Repealed.
RI Gen L § 27-7.1-10.1 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-7.1 - Workers' Compensation Insurance|Section 27-7.1-10.1 - Procedural rules - Rate administration - Consultation with other states.

§ 27-7.1-10.1. Procedural rules — Rate administration — Consultation with other states.(a) Subject to the applicable requirements of the Administrative Procedures Act, chapter 35 of title 42, the director may adopt rules and regulations for:(1) The administration of this chapter, including, but not limited to, procedures governing submission of petitions for intervenor status, prefiling of testimony and exhibits, information requests, subpoenas, prehearing conferences, and the conduct of hearings;(2) Use by insurers to record and report to the director their rates;(3) Use by insurers in the recording and reporting of loss and expense experience, in order that the experience of all insurers may be made available at least annually in the form and detail necessary to aid in determining whether rating systems comply with the standards set forth in § 27-7.1-4. The director may designate an advisory organization or other entity to assist in gathering that experience and making compilations of it, and the compilations shall be public records;(4) The interchange of data necessary for the application of rating plans;(b) In order to further the administration of this chapter, the director and every insurer and advisory organization may exchange information and experience data with insurance supervisor officials, insurers, and advisory organizations in other states and may consult with them with respect to the application of rating systems.(c) Cooperation among advisory organizations or among advisory organizations and insurers in ratemaking or in other matters within the scope of this chapter is authorized, but the filings resulting from that cooperation are subject to all the provisions of this chapter. The director may review these cooperative activities and practices and if, after a hearing, any activity or practice is found to violate the provisions of this chapter, a written order may be issued specifying that the activity or practice violates the provisions of this chapter and requiring the discontinuance of the activity.History of Section.P.L. 1998, ch. 148, § 3.
RI Gen L § 27-7.1-11 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-7.1 - Workers' Compensation Insurance|Section 27-7.1-11 - Repealed.

§ 27-7.1-11. Repealed.
RI Gen L § 27-7.1-11.1 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-7.1 - Workers' Compensation Insurance|Section 27-7.1-11.1 - Challenge and review of application of rating system.

§ 27-7.1-11.1. Challenge and review of application of rating system.(a) An advisory organization and every insurer subject to this chapter which makes its own rate shall provide within this state reasonable means where any person aggrieved by the application of its rating system may upon that person's written request be heard in person or by the person's authorized representative to review the manner in which the rating system has been applied in connection with the insurance afforded the aggrieved person.(b) Any party affected by the action of an advisory organization or the insurer may, within thirty (30) days after written notice of that action, make application, in writing, for an appeal to the director, setting forth the basis for the appeal and the grounds to be relied upon by the applicant. If the advisory organization or insurer fails to grant or reject the request within thirty (30) days after it is made, the applicant may proceed in the same manner as if the application has been rejected.(c) The director shall review the application and, if the director finds that the application is made in good faith and that it sets forth on its face grounds which reasonably justify holding a hearing, the director shall conduct a hearing held not less than ten (10) days after written notice to the applicant and to an advisory organization or insurer. The director, after a hearing, shall affirm or reverse the action of an advisory organization or insurer.(d) If, after a hearing held under this section, it is determined that the rates charged by an insurer are in excess of the appropriate rate, the overcharge shall be refunded to the insured.History of Section.P.L. 1998, ch. 148, § 3.
RI Gen L § 27-7.1-12 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-7.1 - Workers' Compensation Insurance|Section 27-7.1-12 - Repealed.

§ 27-7.1-12. Repealed.
RI Gen L § 27-7.1-12.1 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-7.1 - Workers' Compensation Insurance|Section 27-7.1-12.1 - Acts reducing competition prohibited.

§ 27-7.1-12.1. Acts reducing competition prohibited.(a) In this section, "insurer" includes two (2) or more affiliated insurers: (1) under common management; or (2) under common controlling ownership or under common effective legal control and in fact engaged in joint or cooperative underwriting, investment management, marketing, servicing, or administration of their business and affairs as insurers.(b) Neither the advisory organization nor any insurer may:(1) Monopolize, attempt to monopolize, or combine or conspire with any other person or persons to monopolize the business of insurance of any kind, subdivision, or class;(2) Agree with any other insurer or the advisory organization to charge or adhere to any rate or rating plan other than the uniform experience rating plan or rating rule except as needed to comply with the requirements of § 27-7.1-10 [Repealed];(3) Make an agreement with any other insurer, the advisory organization, or other person to unreasonably restrain trade or substantially lessen competition in the business of insurance of any kind, subdivision, or class; or(4) Make any agreement with any other insurer or the advisory organization to refuse to deal with any person in connection with the sale of insurance.(c) The fact that two (2) or more insurers, whether or not members or subscribers to the advisory organization, use consistently or intermittently the same rules rating plans, rating schedules, rating rules, policy forms, rate classification, underwriting rules, surveys, inspections, or similar materials is not sufficient in itself to support a finding that an agreement exists.(d) The advisory organization and any member or subscriber of it may not interfere with the right of any insurer to make its rates independently of the advisory organization.(e) Except as required by § 27-7.1-10 [Repealed], the advisory organization may not have or adopt any rule or exact any agreement or formulate or engage in any program which would require any member, subscriber, or other insurer to:(1) Utilize some or all of its service;(2) Adhere to its rates, rating plan, rating systems, or underwriting rules; or(3) Prevent any insurer from acting independently.History of Section.P.L. 1998, ch. 148, § 3; P.L. 2008, ch. 475, § 77.
RI Gen L § 27-7.1-13 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-7.1 - Workers' Compensation Insurance|Section 27-7.1-13 - Costs.

§ 27-7.1-13. Costs.For the purpose of determining whether the filing meets the requirements of this chapter, the director may employ staff personnel and outside consultants including, but not limited to, those authorized under § 27-9-52. The reasonable costs related to the review of workers' compensation rate filings, including the conduct of the hearing, shall be borne by the rating organizations or insurers making the filing.History of Section.P.L. 1985, ch. 365, § 18.
RI Gen L § 27-7.1-13.1 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-7.1 - Workers' Compensation Insurance|Section 27-7.1-13.1 - False or misleading information.

§ 27-7.1-13.1. False or misleading information.No person, firm, corporation, association, or organization shall willfully withhold information that will affect the rates or premiums chargeable under this chapter or knowingly give false or misleading information to the director, any statistical agency or advisory organization designed by the director or any insurer.History of Section.P.L. 1998, ch. 148, § 3.
RI Gen L § 27-7.1-13.2 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-7.1 - Workers' Compensation Insurance|Section 27-7.1-13.2 - Group workers' compensation insurance.

§ 27-7.1-13.2. Group workers' compensation insurance.Nothing contained in this title shall be interpreted as preventing insurance companies, authorized to do business within this state, from offering workers' compensation and employers' liability insurance coverage to groups of employer beneficiaries.History of Section.P.L. 2005, ch. 175, § 2.
RI Gen L § 27-7.1-14 - 27-7.1-17 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-7.1 - Workers' Compensation Insurance|Section 27-7.1-14 - 27-7.1-17 - Repealed.

§ 27-7.1-14 — 27-7.1-17. Repealed.
RI Gen L § 27-7.1-18 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-7.1 - Workers' Compensation Insurance|Section 27-7.1-18 - Examination of rating and advisory organizations and underwriting and reinsurance groups.

§ 27-7.1-18. Examination of rating and advisory organizations and underwriting and reinsurance groups.(a) The director may, as often as he or she may deem it necessary, make or cause to be made an examination of each rating organization licensed in this state as provided in § 27-9-22 and may also examine every group, association, or other organization of insurers, including any workers' compensation assigned risk servicing carrier or carriers. The officers, managers, agents, and employees of each rating organization, group, association, or other organization of insurers, including workers' compensation assigned risk servicing carrier or carriers, may be examined at any time under oath and shall exhibit all books, records, accounts, documents, or agreements governing its method of operation. In lieu of any examination, the director may accept the report of any examination made by the insurance supervisory official of another state, pursuant to the laws of that state.(b) The expenses of examinations under this section shall be assessed against the organization being examined. The total cost of the examination shall be borne by the examined organization and shall be in the same amount as provided for in § 27-13-1 and shall be paid to the director to and for the use of the state. This assessment for expenses shall be in addition to any taxes and fees payable to the state. In instances where the examination is performed by outside accountants, the expenses of the examination shall be borne by the examined organization.History of Section.P.L. 1992, ch. 31, § 25.