reglab/housing_qa huggingface dataset:
AR Code § 23-88-405 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 88 - Property Insurance|Subchapter 4 - Fire Loss Reporting Act of 2003|§ 23-88-405. Rules

 The Insurance Commissioner may adopt reasonable rules to enforce the provisions of this subchapter.
AR Code § 23-88-501 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 88 - Property Insurance|Subchapter 5 - Portable Electronics Insurance|§ 23-88-501. Definitions

 As used in this subchapter:   (1) “Customer” means a person who purchases portable electronics or services;  (2) “Enrolled customer” means a customer who elects to have coverage under a portable electronics insurance policy issued by a vendor;  (3) “Location” means, as directed to residents of the State of Arkansas:  (A) A physical location in this state;  (B) A website; or  (C) A call center site or similar location;    (4) “Portable electronics” means electronic devices that are portable in nature, including the accessories and services related to the use of the electronic device;  (5)  (A) “Portable electronics insurance” means insurance for the repair or replacement of portable electronics that includes the following causes of loss:  (i) Loss;  (ii) Theft; and  (iii) Inoperability due to mechanical failure, malfunction, damage, or other similar causes of loss.    (B) “Portable electronics insurance” does not include a service contract governed by the Service Contracts Act, § 4-114-101 et seq.;    (6) “Portable electronics transaction” means:  (A) The sale or lease to a customer of portable electronics by a vendor; or  (B) The sale of a service related to the use of portable electronics to a customer by a vendor;    (7) “Supervising entity” means a business entity that is an insurer or insurance producer licensed under the insurance laws of this state; and  (8) “Vendor” means a person that engages in the business of portable electronics transactions.
AR Code § 23-88-502 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 88 - Property Insurance|Subchapter 5 - Portable Electronics Insurance|§ 23-88-502. Licensure of vendors

 (a) A vendor is required to hold a limited lines license to sell or offer coverage under a portable electronics insurance policy.  (b) A limited lines license issued under this subchapter shall authorize an employee or authorized representative of the licensee to sell or offer coverage under a policy of portable electronics insurance to a customer at locations the vendor engages in the business of portable electronics transactions.  (c) A supervising entity shall:  (1) Maintain a registry of vendor locations that are authorized to offer coverage for portable electronics in this state; and  (2) Produce the registry for inspection and examination during its regular business hours upon receipt of a ten-day notice from the Insurance Commissioner.    (d) A license issued under this subchapter authorizes the licensee and its employees or authorized representatives to engage in the activities authorized by this subchapter.
AR Code § 23-88-503 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 88 - Property Insurance|Subchapter 5 - Portable Electronics Insurance|§ 23-88-503. Requirements for sale of portable electronics insurance

 (a) At a location where portable electronics insurance coverage is offered to customers, a prospective customer shall receive written disclosure that states:  (1) Portable electronics insurance may provide duplication of coverage provided by a customer's homeowner's insurance policy, renter's insurance policy, or other source of coverage;  (2) The enrollment by the customer for portable electronics insurance coverage is not required in order to purchase or lease portable electronics devices or services;  (3) The material terms of the insurance coverage, to include:  (A) The identity of the insurer;  (B) The identity of the supervising entity;  (C) The amount of an applicable deductible;  (D) An explanation of the individual that is responsible for the applicable deductible;  (E) Benefits of the coverage; and  (F) Key terms and conditions of coverage, including without limitation whether or not portable electronics may be repaired or replaced with similar make and model reconditioned or nonoriginal manufacturer parts or equipment;    (4) The process for filing a claim, including:  (A) A description of how to return portable electronics; and  (B) The maximum fee if the customer fails to comply with requirements for returning the portable electronics; and    (5)  (A) An enrolled customer may cancel a portable electronics insurance policy at any time.  (B) The person paying the premium shall receive a refund of the unearned premium.      (b) A vendor that has been issued a group or master commercial inland marine policy may offer portable electronics insurance on a month-to-month basis or other periodic basis for its enrolled customers.  (c) Eligibility and underwriting standards for customers to enroll in coverage are to be established by the supervising entity for a portable electronics insurance policy before offering the portable electronics insurance to a customer.
AR Code § 23-88-505 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 88 - Property Insurance|Subchapter 5 - Portable Electronics Insurance|§ 23-88-505. Suspension or revocation of license

 If a vendor, its employee, or its authorized representative violates a provision of this subchapter, the Insurance Commissioner may after notice and a hearing impose on the vendor:   (1) Fines not to exceed five hundred dollars ($500) per violation or five thousand dollars ($5,000) in the aggregate; and  (2) Other penalties that the commissioner deems necessary and reasonable to carry out the purpose of this subchapter, including without limitation:  (A) Suspending the privilege of transacting portable electronics insurance at specific business locations where violations have occurred; and  (B) Suspending or revoking the ability of individual employees or authorized representatives of the vendor to act under a license issued under this subchapter.
AR Code § 23-88-507 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 88 - Property Insurance|Subchapter 5 - Portable Electronics Insurance|§ 23-88-507. Application for license and fees

 (a)  (1) An application for licensure under this subchapter shall be made to and filed with the Insurance Commissioner on forms prescribed and furnished by the State Insurance Department.  (2) The application for licensure under this subchapter shall:  (A)  (i) Provide the name, residence address, and other information required by the commissioner for an employee or authorized representative of the vendor designated by the applicant as the person responsible for the vendor's compliance with the requirements of this subchapter.  (ii) If the vendor derives more than fifty percent (50%) of its revenue from the sale of portable electronics insurance, the information required in subdivision (a)(2)(A)(i) of this section shall be provided for all officers, directors, and shareholders of record that have beneficial ownership of ten percent (10%) or more of any class of securities registered under the federal securities law;    (B)  (i) Appoint the commissioner as authorized to receive service on behalf of the applicant for any legal process issued against it in a civil action or proceeding in this state brought in connection with portable electronics insurance coverage and agree that process of the commissioner shall be valid and binding against the applicant.  (ii) The appointment under subdivision (a)(2)(B)(i) of this section shall:  (a) Be irrevocable;  (b) Bind the applicant and any successor in interest as to the assets or liabilities of the applicant; and  (c) Remain in effect as long as the applicant's licensure remains in force in this state; and      (C) Provide the location of the applicant's principal place of business or home office.      (b) Applications for licensure under this subchapter shall be submitted within ninety (90) days of the application forms' being made available by the commissioner.  (c) An initial license issued under this subchapter shall be valid for a period of twenty-four (24) months.  (d)  (1) A vendor of portable electronics applying for a limited lines license under this subchapter shall pay to the commissioner:  (A) A nonrefundable application and license fee of one thousand dollars ($1,000); and  (B) A renewal license fee of five hundred dollars ($500).    (2) However, a vendor that is engaged in portable electronics transactions at ten (10) or fewer locations in the state applying for a limited lines license under this subchapter shall pay to the commissioner:  (A) A nonrefundable application and license fee not to exceed one hundred dollars ($100); and  (B) A renewal license fee not to exceed one hundred dollars ($100).
AR Code § 23-89-101 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 89 - Casualty Insurance|Subchapter 1 - General Provisions|§ 23-89-101. Subrogation of injured person to right of insured

 (a) Any policy of insurance issued or delivered in this state indemnifying any person against any actual money loss sustained by the person for damages inflicted upon the property or person of another shall contain a provision that the injured person, or his or her personal representative, shall be subrogated to the right of the insured named in the policy.  (b) The policy shall also contain a provision that the injured person, or his or her personal representative, whether the provision is actually inserted in the policy or not, may maintain a direct cause of action against the insurer issuing the policy for the amount of the judgment rendered against the insured, not exceeding the amount of the policy, provided the judgment remains unsatisfied at the expiration of thirty (30) days from the serving of notice of entry of judgment upon the attorney for the insured or upon the insured or upon the insurer.
AR Code § 23-89-102 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 89 - Casualty Insurance|Subchapter 1 - General Provisions|§ 23-89-102. Insolvency of insured does not release liability insurer

 (a) No policy of insurance against loss or damage resulting from accident to or injury suffered by an employee or other person and for which the person insured is liable or against loss or damage to property caused by horses or by any vehicles drawn, propelled, or operated by any motive power and for which loss or damage the person insured is liable shall be issued or delivered to any person in this state unless the policy contains a provision that the insolvency or bankruptcy of the person insured shall not release the insurer from the payment of damages for injury sustained or loss occasioned during the life of the policy.  (b) The policy must also state that in case execution against the insured is returned unsatisfied because of the insolvency or bankruptcy, in an action brought by the injured or his or her personal representative in case death results from the accident, then an action may be maintained by the injured person or his or her personal representative against the insurer under the terms of the policy for the amount of the judgment in the action not exceeding the amount of the policy.
AR Code § 23-89-201 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 89 - Casualty Insurance|Subchapter 2 - Automobile Liability Insurance Generally|§ 23-89-201. Broader-than-minimum benefits not prohibited

 Nothing contained in this subchapter shall be construed to prevent an insurer from providing broader benefits than the minimum benefits enumerated in § 23-89-202.
AR Code § 23-89-202 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 89 - Casualty Insurance|Subchapter 2 - Automobile Liability Insurance Generally|§ 23-89-202. Required first party coverage

 Every automobile liability insurance policy covering any private passenger motor vehicle issued or delivered in this state shall provide minimum medical and hospital benefits, income disability, and accidental death benefits under policy provisions and on forms approved by the Insurance Commissioner to the named insured and members of his or her family residing in the same household injured in a motor vehicle accident, to passengers injured while occupying the insured motor vehicle, and to persons other than those occupying another vehicle struck by the insured motor vehicle, without regard to fault, as follows:   (1) Medical and Hospital Benefits. All reasonable and necessary expenses for medical, hospital, nursing, dental, surgical, ambulance, funeral expenses, and prosthetic services incurred within twenty-four (24) months after the automobile accident, up to an aggregate of five thousand dollars ($5,000) per person, and may include any nonmedical remedial care and treatment rendered in accordance with a recognized religious method of healing. Expenses for hospital room charges may be limited to semiprivate accommodations;  (2) Income Disability Benefits. Seventy percent (70%) of the loss of income from work during a period commencing eight (8) days after the date of the accident, and not to exceed fifty-two (52) weeks, but subject to a maximum of one hundred forty dollars ($140) per week. In the case of a nonincome earner, the benefits shall consist of expenses not to exceed seventy dollars ($70.00) per week, or any fractional part of a week, which are reasonably incurred for essential services in lieu of those the injured person would have performed without income during a period commencing eight (8) days after the date of the accident and not to exceed fifty-two (52) weeks; and  (3) Accidental Death Benefits. The sum of five thousand dollars ($5,000), to be paid to the personal representative of the insured, should injury, sickness, or disease resulting from an automobile accident cause death within one (1) year from the date of the accident.
AR Code § 23-89-203 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 89 - Casualty Insurance|Subchapter 2 - Automobile Liability Insurance Generally|§ 23-89-203. Rejection of coverage

 (a) The named insured shall have the right to reject in writing all or any one (1) or more of the coverages enumerated in § 23-89-202.  (b) After a named insured or applicant for insurance rejects this coverage, the insurer or any of its affiliates shall not be required to notify any insured in any renewal, reinstatement, substitute, amended, or replacement policy as to the availability of such coverage.
AR Code § 23-89-204 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 89 - Casualty Insurance|Subchapter 2 - Automobile Liability Insurance Generally|§ 23-89-204. Coverage for passengers and persons struck by insured vehicle

 (a) The coverages provided in § 23-89-202 shall apply only to occupants of the insured vehicle and to persons struck by the insured vehicle, including pedestrians, bicyclists, motorcyclists, persons in a horse-drawn wagon or cart, and persons riding on an animal, and to none other.  (b) However, the coverages shall not be applicable or payable if the prescribed minimum coverages are afforded to those occupants and to persons struck by the insured vehicle, either as a named insured or additional insured under another valid and collectible automobile insurance policy.
AR Code § 23-89-205 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 89 - Casualty Insurance|Subchapter 2 - Automobile Liability Insurance Generally|§ 23-89-205. Exclusion of benefits

 An insurer may exclude benefits to any insured, or to his or her personal representative, under a policy required by § 23-89-202, when the insured's conduct contributed to the injury he or she sustained in any of the following ways:   (1) Causing injury to himself or herself intentionally; or  (2) Causing injury while in the commission of a felony or while seeking to elude lawful apprehension or arrest by a law enforcement official.
AR Code § 23-89-206 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 89 - Casualty Insurance|Subchapter 2 - Automobile Liability Insurance Generally|§ 23-89-206. Retention of tort liability

 Tort liability arising from the ownership, maintenance, or use of a motor vehicle within this state is retained.
AR Code § 23-89-207 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 89 - Casualty Insurance|Subchapter 2 - Automobile Liability Insurance Generally|§ 23-89-207. Insurer's right of reimbursement

 (a) Whenever a recipient of benefits under § 23-89-202(1) and (2) recovers in tort for injury, either by settlement or judgment, the insurer paying the benefits has a right of reimbursement and credit out of the tort recovery or settlement, less the cost of collection, as defined.  (b) All cost of collection thereof shall be assessed against the insurer and insured in the proportion each benefits from the recovery.  (c) The insurer shall have a lien upon the recovery to the extent of its benefit payments.  (d) The insurer for the party who is liable in damages to the injured party shall not condition settlement or payment of a judgment in favor of the injured party upon issuing a single check jointly to the injured party and the injured party's insurance company.
AR Code § 23-89-208 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 89 - Casualty Insurance|Subchapter 2 - Automobile Liability Insurance Generally|§ 23-89-208. Payments

 (a) Payment under the coverages enumerated in § 23-89-202(1) and (2) shall be made on a monthly basis as benefits accrue.  (b) Benefits for any period are overdue if not paid within thirty (30) days after the insurer received reasonable proof of the amount of all benefits accruing during that period.  (c) If reasonable proof is not supplied as to all benefits accrued, the portion supported by reasonable proof is overdue if not paid within thirty (30) days after the proof is received by the insurer.  (d) Any part or all of the remainder of the benefits that is later supported by reasonable proof is overdue if not paid within thirty (30) days after the proof is received by the insurer.  (e) In the event the insurer fails to pay the benefits when due, the person entitled to the benefits may bring an action in contract to recover them.  (f) In the event the insurer is required by the action to pay the overdue benefits, the insurer shall, in addition to the benefits received, be required to pay the reasonable attorney's fees incurred by the other party, plus twelve percent (12%) penalty, plus interest thereon from the date these sums became overdue.
AR Code § 23-89-210 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 89 - Casualty Insurance|Subchapter 2 - Automobile Liability Insurance Generally|§ 23-89-210. Premium reduction for college graduates

 (a) Any schedule of rates or rating plan for automobile liability and physical damage insurance submitted to or filed with the Insurance Commissioner shall provide for an appropriate reduction in premium charges for those insured under twenty-five (25) years of age who have graduated from a college or university, and whose cumulative scholastic records show that the insured attained one (1) of the following:  (1) If letter grades are used, a grade average of “B” or higher; or  (2) At least a 3-point average on a 4-point scale (or equivalent).    (b) All insurance companies writing automobile liability and physical damage insurance in Arkansas shall allow an appropriate reduction in premium charges to all eligible persons subject to this section.  (c) This reduction in premium charges shall not apply to those insureds who qualify for a premium reduction due to marriage.
AR Code § 23-89-211 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 89 - Casualty Insurance|Subchapter 2 - Automobile Liability Insurance Generally|§ 23-89-211. Total loss settlements

 (a) If an insurer settles a claim for damages to an automobile as a total loss to its own insured or a person having a claim against its insured, the insurer shall include with the payment for the loss:  (1) All applicable taxes, including sales taxes and fees as required under Rule and Regulation 43 of the State Insurance Department; and  (2) An itemized list stating the amount of the claim attributable to the value of the automobile and attributable to the sales tax on an automobile of that value.    (b) When settling a claim against an insured for damages to an automobile as a total loss, the insurer will take into consideration all applicable taxes, license fees, and other fees.  (c) An insurer may not abandon salvage to a towing or storage facility in lieu of payment of towing and storage fees without the consent of the facility and the insured.  (d) The failure of an insurer to comply with the requirements of subsections (a)-(c) of this section shall be considered an unfair claims settlement practice under § 23-66-206(13).
AR Code § 23-89-212 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 89 - Casualty Insurance|Subchapter 2 - Automobile Liability Insurance Generally|§ 23-89-212. Motor vehicle liability insurance — Extraterritorial provision

 (a)  (1) Motor vehicle liability insurance applies to the amounts which the owner is legally obligated to pay as damages because of accidental bodily injury and accidental property damage arising out of the ownership or operation of a motor vehicle if the accident occurs in the United States, its possessions, or Canada.  (2) Motor vehicle liability insurance must afford limits of liability not less than those required under the financial responsibility laws of this state.    (b) If the accident occurs outside this state but in the United States, its possessions, or Canada and if the limits of liability of the financial responsibility or compulsory insurance laws of the applicable jurisdiction exceed the limits of liability of the financial responsibility laws of this state, the motor vehicle liability insurance is deemed to comply with the limits of liability of the laws of the applicable jurisdiction.  (c) For purposes of this section, “motor vehicle” is defined as provided in § 27-14-104.