reglab/housing_qa huggingface dataset:
RI Gen L § 27-6-34 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-6 - Fire and Marine Insurance Rating|Section 27-6-34 - Documents filed by advisory organizations.

§ 27-6-34. Documents filed by advisory organizations.Every advisory organization shall file with the commissioner:(1) A copy of its constitution, its articles of agreement or association or its certificate of incorporation, and its bylaws, rules, and regulations governing its activities;(2) A list of its members;(3) The name and address of a resident of this state upon whom notices or orders of the commissioner or process issued at the commissioner's direction may be served; and(4) An agreement that the commissioner may examine that advisory organization in accordance with the provisions of §§ 27-6-39 and 27-6-40.History of Section.P.L. 1948, ch. 2088, § 9; G.L. 1956, § 27-6-34.
RI Gen L § 27-6-35 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-6 - Fire and Marine Insurance Rating|Section 27-6-35 - Unlawful practices of advisory organizations.

§ 27-6-35. Unlawful practices of advisory organizations.If, after a hearing, the commissioner finds that the furnishing of any information or assistance by a rating organization involves any act or practice which is unfair or unreasonable or inconsistent with the provisions of this chapter, the commissioner may issue a written order specifying in what respects that act or practice is unfair or unreasonable or otherwise inconsistent with the provisions of this chapter, and requiring the discontinuance of that act or practice.History of Section.P.L. 1948, ch. 2088, § 9; G.L. 1956, § 27-6-36.
RI Gen L § 27-6-36 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-6 - Fire and Marine Insurance Rating|Section 27-6-36 - Use of information from noncomplying advisory organization.

§ 27-6-36. Use of information from noncomplying advisory organization.No insurer which makes its own filings or any rating organization shall support its filings by statistics, or adopt rate making recommendations, furnished to it by an advisory organization which has not complied with §§ 27-6-33 — 27-6-35, or with an order of the commissioner involving those statistics or recommendations issued under § 27-6-35. If the commissioner finds any insurer or rating organization to be in violation of this section the commissioner may issue an order requiring the discontinuance of that violation.History of Section.P.L. 1948, ch. 2088, § 9; G.L. 1956, § 27-6-36.
RI Gen L § 27-6-37 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-6 - Fire and Marine Insurance Rating|Section 27-6-37 - Provisions applicable to joint underwriting and reinsurance.

§ 27-6-37. Provisions applicable to joint underwriting and reinsurance.Every group, association, or other organization of insurers which engages in joint underwriting or joint reinsurance shall be subject to regulation with respect to it as provided in § 27-6-38, subject, with respect to joint underwriting, to all other provisions of this chapter and, with respect to joint reinsurance, to §§ 27-6-39, 27-6-40, and 27-6-46 — 27-6-52.History of Section.P.L. 1948, ch. 2088, § 10; G.L. 1956, § 27-6-37.
RI Gen L § 27-6-38 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-6 - Fire and Marine Insurance Rating|Section 27-6-38 - Unlawful practices of joint underwriters or reinsurers.

§ 27-6-38. Unlawful practices of joint underwriters or reinsurers.If, after a hearing, the commissioner finds that any activity or practice of any group, association, or other organization of joint underwriters or insurers is unfair or unreasonable or inconsistent with the provisions of this chapter, the commissioner may issue a written order specifying in what respects that activity or practice is unfair or unreasonable or inconsistent with the provisions of this chapter, and requiring the discontinuance of that activity or practice.History of Section.P.L. 1948, ch. 2088, § 10; G.L. 1956, § 27-6-38.
RI Gen L § 27-6-39 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-6 - Fire and Marine Insurance Rating|Section 27-6-39 - Examination of rating and advisory organizations and underwriting and reinsurance groups.

§ 27-6-39. Examination of rating and advisory organizations and underwriting and reinsurance groups.The commissioner shall, at least once in five (5) years, make or cause to be made an examination of each rating organization licensed in this state as provided in § 27-6-23 and the commissioner may, as often as he or she may deem it expedient, make or cause to be made an examination of each advisory organization referred to in § 27-6-33 and of each group, association, or other organization referred to in § 27-6-37. The total cost of those examinations shall be borne by the examined organization and shall be one hundred fifty percent (150%) of the total salaries paid to the examining personnel of the banking and insurance division engaged in those examinations less any salary reimbursements and shall be paid to the insurance commissioner to and for the use of the state. This assessment shall be in addition to any taxes and fees payable to the state. The officers, manager, agents, and employees of the rating organization, advisory organization, or group, association, or other organization 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 commissioner may accept the report of an examination made by the insurance supervisory official of another state, pursuant to the laws of that state.History of Section.P.L. 1948, ch. 2088, § 11; G.L. 1956, § 27-6-39; P.L. 1960, ch. 71, art. 1, § 3; P.L. 2008, ch. 371, § 2.
RI Gen L § 27-6-40 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-6 - Fire and Marine Insurance Rating|Section 27-6-40 - Reports on examinations - Hearing and filing.

§ 27-6-40. Reports on examinations — Hearing and filing.The commissioner shall prepare a report of any examination held pursuant to § 27-6-39 and shall, within a reasonable time following completion of that report, furnish each rating organization, group, association, or other organization examined with a copy of it. Any rating organization, advisory organization, group, association, or other organization may, within thirty (30) days after the receipt of a copy of the report, request the commissioner for a hearing on the report, which shall be held by the commissioner upon ten (10) days written notice to the rating organization, advisory organization, group, association, or other organization. Following that hearing the commissioner may affirm, modify, or withdraw the report. Any report or modification of the report shall be filed in the office of the commissioner as a public record, or if no hearing is requested within the period of thirty (30) days, the report shall be filed at the expiration of that period.History of Section.P.L. 1948, ch. 2088, § 11; G.L. 1956, § 27-6-40.
RI Gen L § 27-6-41 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-6 - Fire and Marine Insurance Rating|Section 27-6-41 - Collection and compilation of experience statistics.

§ 27-6-41. Collection and compilation of experience statistics.The commissioner shall promulgate reasonable rules and statistical plans, reasonably adapted to each of the rating systems on file with the commissioner, which may be modified and which shall be used by each insurer in the recording and reporting of its loss and countrywide 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 him or her in determining whether rating systems comply with the standards set forth in §§ 27-6-4 — 27-6-7. Those rules and plans may also provide for the recording and reporting of expense experience items that are specially applicable to this state and are not susceptible of determination by a prorating of countrywide expense experience. In promulgating those rules and plans, the commissioner shall give due consideration to the rating systems on file with the commissioner and, in order that those rules and plans may be as uniform as is practicable among the several states, to the rules and to the form of the plans used for the rating systems in other states. No insurer shall be required to record or report its loss experience on a classification basis that is inconsistent with the rating system filed by it. The commissioner may designate one or more rating organizations or other agencies to assist him or her in gathering that experience and making compilations of the experience, and those compilations shall be made available, subject to reasonable rules promulgated by the commissioner, to insurers and rating organizations.History of Section.P.L. 1948, ch. 2088, § 12; G.L. 1956, § 27-6-41.
RI Gen L § 27-6-42 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-6 - Fire and Marine Insurance Rating|Section 27-6-42 - Interchange of rating plan data.

§ 27-6-42. Interchange of rating plan data.Reasonable rules and plans may be promulgated by the commissioner for the interchange of data necessary for the application of rating plans.History of Section.P.L. 1948, ch. 2088, § 12; G.L. 1956, § 27-6-42.
RI Gen L § 27-6-43 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-6 - Fire and Marine Insurance Rating|Section 27-6-43 - Cooperation with other states.

§ 27-6-43. Cooperation with other states.In order to further uniform administration of rate regulatory laws, the commissioner and every insurer and rating organization may exchange information and experience data with insurance supervisory officials, insurers, and rating organizations in other states and may consult with them with respect to rate making and the application of rating systems.History of Section.P.L. 1948, ch. 2088, § 12; G.L. 1956, § 27-6-43.
RI Gen L § 27-6-44 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-6 - Fire and Marine Insurance Rating|Section 27-6-44 - Rules and regulations.

§ 27-6-44. Rules and regulations.The commissioner may make reasonable rules and regulations necessary to effect the purposes of this chapter.History of Section.P.L. 1948, ch. 2088, § 12; G.L. 1956, § 27-6-44.
RI Gen L § 27-6-45 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-6 - Fire and Marine Insurance Rating|Section 27-6-45 - False or misleading information.

§ 27-6-45. False or misleading information.No person or organization shall willfully withhold information from, or knowingly give false or misleading information to, the commissioner, any statistical agency designated by the commissioner, any rating organization, or any insurer, which will affect the rates or premiums chargeable under this chapter. A violation of this section shall subject the one guilty of that violation to the penalties provided in §§ 27-6-47 and 27-6-48.History of Section.P.L. 1948, ch. 2088, § 13; G.L. 1956, § 27-6-45.
RI Gen L § 27-6-47 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-6 - Fire and Marine Insurance Rating|Section 27-6-47 - Penalty for violations.

§ 27-6-47. Penalty for violations.Any person or organization willfully violating any provision of this chapter shall, upon conviction, be fined not less than one hundred dollars ($100) and not more than five hundred dollars ($500) for each violation. That penalty may be in addition to any other penalty provided by law.History of Section.P.L. 1948, ch. 2088, § 15; G.L. 1956, § 27-6-47.
RI Gen L § 27-6-48 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-6 - Fire and Marine Insurance Rating|Section 27-6-48 - Suspension or revocation of licenses.

§ 27-6-48. Suspension or revocation of licenses.(a) The commissioner may suspend the license of any rating organization or insurer which fails to comply with an order of the commissioner within the time limited by the order, or any extension which the commissioner may grant. The commissioner shall not suspend the license of any rating organization or insurer for failure to comply with an order until the time prescribed for an appeal has expired or, if an appeal has been taken, until the order has been affirmed.(b) The commissioner may determine when a suspension of a license shall become effective, and it shall remain in effect for the period fixed by the commissioner, unless he or she modifies or rescinds that suspension, or until the order upon which that suspension is based is modified, rescinded, or reversed.(c) No license shall be suspended or revoked except upon a written order of the commissioner, stating the commissioner's findings made after a hearing held upon not less than ten (10) days' written notice to the person or organization specifying the alleged violation.History of Section.P.L. 1948, ch. 2088, § 15; G.L. 1956, § 27-6-48.
RI Gen L § 27-6-49 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-6 - Fire and Marine Insurance Rating|Section 27-6-49 - Hearings on decisions of commissioner.

§ 27-6-49. Hearings on decisions of commissioner.Any insurer or rating organization aggrieved by any order or decision of the commissioner or by any rule or regulation adopted and promulgated by the commissioner may within thirty (30) days after notice to the insurer or organization make a written request to the commissioner for a hearing, except that a hearing provided for by §§ 27-6-17 — 27-6-22 shall be held as provided in those sections. Within twenty (20) days after receipt of that written request, the commissioner shall hear the party or parties and shall give not less than ten (10) days written notice of the time and place of the hearing. Within fifteen (15) days after the hearing, the commissioner shall affirm, reverse, or modify his or her previous action, specifying his or her reasons. Pending the hearing and decision, the commissioner may suspend or postpone the effective date of his or her previous action.History of Section.P.L. 1948, ch. 2088, § 16; G.L. 1956, § 27-6-49.
RI Gen L § 27-6-50 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-6 - Fire and Marine Insurance Rating|Section 27-6-50 - Pleadings and evidence at hearings.

§ 27-6-50. Pleadings and evidence at hearings.At any hearing before the commissioner, observance of formal rules of pleading or evidence shall not be required.History of Section.P.L. 1948, ch. 2088, § 16; G.L. 1956, § 27-6-50.
RI Gen L § 27-6-51 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-6 - Fire and Marine Insurance Rating|Section 27-6-51 - Judicial review of orders and decisions.

§ 27-6-51. Judicial review of orders and decisions.(a) Any final order or decision of the commissioner, including any order made after a hearing under the provisions of §§ 27-6-17 — 27-6-22 or § 27-6-49, shall be subject to review by a petition filed within twenty (20) days after notice of it at the instance of any party in interest in the superior court for the counties of Providence and Bristol, and the matter shall be heard de novo in the superior court and decisions on issues of fact shall be in accordance with the preponderance of the evidence presented there.(b) The court shall determine whether the order or decision of the commissioner shall be stayed pending review. The court may, in disposing of the issue before it, modify, affirm, or reverse the order or decision of the commissioner in whole or in part.(c) An appeal may be taken from the decision of the superior court to the supreme court, and that appeal shall follow the course of equity.History of Section.P.L. 1948, ch. 2088, § 16; G.L. 1956, § 27-6-51.
RI Gen L § 27-6-52 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-6 - Fire and Marine Insurance Rating|Section 27-6-52 - Severability.

§ 27-6-52. Severability.If any section, subsection, subdivision, paragraph, sentence, or clause of this chapter is held invalid or unconstitutional, that decision shall not affect the remaining portions of this chapter.History of Section.P.L. 1948, ch. 2088, § 18; G.L. 1956, § 27-6-52.
RI Gen L § 27-7-1 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-7 - Liability Insurance|Section 27-7-1 - Direct liability of insurer to person injured.

§ 27-7-1. Direct liability of insurer to person injured.Every policy written insuring against liability for property damage or personal injuries or both, and every policy written indemnifying any person by reason of that liability, other than the payment of compensation under chapters 29 — 38 of title 28, shall contain provisions to the effect that the insurer shall be directly liable to the injured party and, in the event of that party's death, to the party entitled to sue for that death, to pay that party the amount of damages for which the insured is liable.History of Section.P.L. 1921, ch. 2094, § 1; G.L. 1923, ch. 258, § 7; P.L. 1936, ch. 2422, § 1; G.L. 1938, ch. 155, § 1; G.L. 1956, § 27-7-1.
RI Gen L § 27-7-2 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-7 - Liability Insurance|Section 27-7-2 - Remedies of injured party against insurer.

§ 27-7-2. Remedies of injured party against insurer.An injured party, or, in the event of that party's death, the party entitled to sue for that death, in his or her suit against the insured, shall not join the insurer as a defendant. If the officer serving any process against the insured shall return that process "non est inventus," or where before suit has been brought and probate proceedings have not been initiated the insured has died, or where a suit is pending against an insured in his or her own name and the insured died prior to judgment, or where a nonresident had been involved in an automobile accident in Rhode Island as an operator or owner and died before suit has been brought, the injured party, and, in the event of that party's death, the party entitled to sue for that death, may proceed directly against the insurer. The injured party, or, in the event of that party's death, the party entitled to sue for that death, after having obtained judgment against the insured alone, may proceed on that judgment in a separate action against the insurer; provided, the payment in whole or in part of the liability by either the insured or the insurer shall, to the extent of the payment, be a bar to recovery against the other of the amount paid. The time limitations for filing such actions shall be governed by the provisions of § 9-1-14 as appropriate, including, but not limited to, any extension of the statute of limitations for injuries to the person provided by § 9-1-14(c).History of Section.P.L. 1921, ch. 2094, § 1; G.L. 1923, ch. 258, § 7; P.L. 1936, ch. 2422, § 1; G.L. 1938, ch. 155, § 1; G.L. 1956, § 27-7-2; P.L. 1972, ch. 188, § 1; P.L. 1973, ch. 205, § 1; P.L. 2009, ch. 123, § 2; P.L. 2009, ch. 142, § 2.
RI Gen L § 27-7-2.2 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-7 - Liability Insurance|Section 27-7-2.2 - Interest on judgment - Payment by insurer.

§ 27-7-2.2. Interest on judgment — Payment by insurer.In any civil action in which the defendant is covered by liability insurance and in which the plaintiff makes a written offer to the defendant's insurer to settle the action in an amount equal to or less than the coverage limits on the liability policy in force at the time the action accrues, and the offer is rejected by the defendant's insurer, then the defendant's insurer shall be liable for all interest due on the judgment entered by the court even if the payment of the judgment and interest totals a sum in excess of the policy coverage limitation. This written offer shall be presumed to have been rejected if the insurer does not respond in writing within a period of thirty (30) days.History of Section.P.L. 1981, ch. 55, § 1; P.L. 1993, ch. 255, § 2.
RI Gen L § 27-7-2.3 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-7 - Liability Insurance|Section 27-7-2.3 - Insurance rate adjustment.

§ 27-7-2.3. Insurance rate adjustment.The insurer shall be responsible for maintaining records of all judgments entered by the court that require the insurer to pay an amount in excess of a policy coverage limitation due to the failure of the insurer to settle a civil action in accordance with the provisions of § 27-7-2.2. No payments made by the insurer in excess of a policy coverage limitation shall be incorporated or used by the insurer in any subsequent rate adjustment on affected liability lines of insurance.History of Section.P.L. 1981, ch. 55, § 1.
RI Gen L § 27-7-2.4 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-7 - Liability Insurance|Section 27-7-2.4 - Direct action against insurer upon filing for bankruptcy.

§ 27-7-2.4. Direct action against insurer upon filing for bankruptcy.Any person, having a claim because of damages of any kind caused by the tort of any other person, may file a complaint directly against the liability insurer of the alleged tortfeasor seeking compensation by way of a judgment for money damages whenever the alleged tortfeasor files for bankruptcy, involving a chapter 7 liquidation, a chapter 11 reorganization for the benefit of creditors or a chapter 13 wage earner plan, provided that the complaining party shall not recover an amount in excess of the insurance coverage available for the tort complained of.History of Section.P.L. 1983, ch. 169, § 1; P.L. 1989, ch. 542, § 75; P.L. 1994, ch. 134, § 11; P.L. 1998, ch. 230, § 1.
RI Gen L § 27-7-2.5 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-7 - Liability Insurance|Section 27-7-2.5 - Minimum coverage - Medical payments.

§ 27-7-2.5. Minimum coverage — Medical payments.(a) No policy insuring against loss resulting from liability imposed by law, or for injuries caused by a motor vehicle collision or for injuries arising out of the ownership, maintenance, or use of a motor vehicle, shall be delivered or issued in this state unless coverage is provided in the policy for medical payments in an amount of not less than twenty-five hundred dollars ($2,500) for each individual and five thousand dollars ($5,000) aggregate for the protection of persons injured regardless of the fault of the injured person; provided, that the named insured shall have the right to reject that coverage in writing.(b) The insurer or any affiliated insurer shall be required to notify the policy holder in any renewal policy as to the availability of medical payments coverage. Unless the insured named in the policy requests medical payments coverage in writing, that coverage need not be provided in any subsequent policy issued by the same insurer or any affiliate for motor vehicles owned by the named insured, including, but not limited to, renewal, reinstatement, substitute, amended, modified, transfer, or replacement policies where the named insured has rejected the coverage in connection with the policy previously issued to the insured by the same insurer or an affiliate.History of Section.P.L. 1985, ch. 424, § 1; P.L. 1987, ch. 573, § 1; P.L. 2009, ch. 303, § 3; P.L. 2009, ch. 304, § 3.
RI Gen L § 27-7-3 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-7 - Liability Insurance|Section 27-7-3 - Applicability.

§ 27-7-3. Applicability.All policies described in this chapter shall be deemed to be made subject to the provisions of this chapter, and all provisions of policies inconsistent with this chapter shall be void.History of Section.P.L. 1921, ch. 2094, § 1; G.L. 1923, ch. 258, § 7; P.L. 1936, ch. 2422, § 1; G.L. 1938, ch. 155, § 1; G.L. 1956, § 27-7-3.
RI Gen L § 27-7-4 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-7 - Liability Insurance|Section 27-7-4 - Information to policyholder.

§ 27-7-4. Information to policyholder.Whenever an insurer pays a property damage or personal injury claim under the provisions of policies written pursuant to this chapter, the insurer upon the request of the policyholder must notify the policy holder of the amount of the claim paid.History of Section.P.L. 1986, ch. 62, § 1.