reglab/housing_qa huggingface dataset:
OR Rev Stat § 742.466 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 742 - Insurance Policies Generally; Property and Casualty Policies|Section 742.466 - Disputes over coverage for physical damage; independent appraisal; rules.

(1) In the event of a dispute between the insurer and insured under a motor vehicle liability policy concerning coverage for physical damage, if the policy contains a provision authorizing the insured to obtain an independent appraisal by a competent and disinterested person of the physical damage, that provision shall apply. An independent appraisal conducted under this section shall be performed by a person who has been issued a vehicle appraiser certificate under ORS 819.480 or a person who has been issued a vehicle appraiser certificate or license by another state or government body. (2) When a motor vehicle liability policy contains a provision for resolving a dispute through appraisal of a motor vehicle insured under the policy, the insurer shall reimburse the insured for the reasonable appraisal costs if the final appraisal decision under the policy provision is greater than the amount of the insurer’s last offer prior to the incurrence of the appraisal costs. (3) If a motor vehicle liability policy does not contain a provision described in subsection (1) of this section, then notwithstanding any other provision of the policy, any resolution of the dispute shall be subject to rules adopted by the Director of the Department of Consumer and Business Services. [Formerly 743.840; 2009 c.65 §4; 2011 c.134 §1]
OR Rev Stat § 742.468 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 742 - Insurance Policies Generally; Property and Casualty Policies|Section 742.468 - Certain policies not considered motor vehicle liability policies.

For purposes of statutes mandating kinds or amounts of coverage that motor vehicle liability policies must contain, the following shall not be considered motor vehicle liability policies: (1) Comprehensive general liability policies. (2) Excess liability policies. (3) Umbrella liability policies. [1993 c.709 §10]
OR Rev Stat § 742.480 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 742 - Insurance Policies Generally; Property and Casualty Policies|Section 742.480 - Appropriate premium charge reduction for certain motorcycle insurance policies.

(1) A rate, rating plan or rating system filed with the Director of the Department of Consumer and Business Services for a motor vehicle insurance policy offering liability, personal injury protection or collision coverage shall provide an appropriate reduction in premium charges for such coverage if: (a) The principal operator of a covered motorcycle has successfully completed a motorcycle rider education course established under ORS 802.320. The course must be completed no more than three years prior to the beginning of the policy period for which the discounted rate applies. (b) The motorcycle is not classified, for underwriting purposes, as used for a business. (2) If the person qualifying for a premium reduction under subsection (1) of this section is the principal operator of two or more motorcycles, the premium discount applies to only one motorcycle. No more than one premium discount may be applied to one motorcycle. (3) If a motor vehicle insurance policy insures motorcycles and other vehicles, the appropriate reduction in premium charges applies only to the motorcycle portion of the policy. [2009 c.771 §2] Note: 742.480 to 742.486 were added to and made a part of the Insurance Code by legislative action but were not added to ORS chapter 742 or any series therein. See Preface to Oregon Revised Statutes for further explanation.
OR Rev Stat § 742.483 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 742 - Insurance Policies Generally; Property and Casualty Policies|Section 742.483 - Effective period for premium reduction.

Except as otherwise provided in this section, the premium reduction required under ORS 742.480 shall be effective for an insured for a three-year period after successful completion of the approved course. [2009 c.771 §3] Note: See note under 742.480.
OR Rev Stat § 742.486 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 742 - Insurance Policies Generally; Property and Casualty Policies|Section 742.486 - Issuance and presentation of certificates for motorcycle rider education course.

An organization offering a motorcycle rider education course established under ORS 802.320 shall issue a certificate to each person who successfully completes the course. The person shall present the certificate to an insurer to qualify for the premium reduction required under ORS 742.480. [2009 c.771 §4] Note: See note under 742.480.
OR Rev Stat § 742.490 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 742 - Insurance Policies Generally; Property and Casualty Policies|Section 742.490 - Premium reduction; conditions; application.

(1) Any rate, rating plan or rating system filed with the Director of the Department of Consumer and Business Services for a motor vehicle insurance policy offering liability, personal injury protection or collision coverage, shall provide an appropriate reduction in premium charges for such coverage if: (a) The principal operator of the covered vehicle is an insured 55 years of age or older. (b) The principal operator of the covered vehicle has successfully completed, within the appropriate time as specified in this subsection, a motor vehicle accident prevention course approved by the Department of Transportation. To meet the requirements of this subsection, a course must be completed no more than three years prior to the beginning of the policy period for which the discounted rate applies if the person is less than 70 years of age at the time of taking the course or no more than two years prior to the beginning of the policy period for which the discounted rate applies if the person is 70 years of age or more at the time of taking the course. (c) There are no persons under 25 years of age who regularly operate the vehicle. (d) The vehicle is not classified for underwriting purposes as used for a business. (2) If the person qualifying for a premium reduction under subsection (1) of this section is the principal operator of two or more vehicles, the premium discount shall apply to only one vehicle. No more than one premium discount may be applied to one vehicle. [1989 c.379 §§2,4]
OR Rev Stat § 742.492 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 742 - Insurance Policies Generally; Property and Casualty Policies|Section 742.492 - Duration of reduction.

Except as otherwise provided in this section, the premium reduction required by ORS 742.490 (1) shall be effective for an insured for a three-year period after successful completion of the approved course if the person is less than 70 years of age at the time of taking the course or for a two-year period after successful completion of an approved course if the person is 70 years of age or more at the time of taking the course. An insurer may require, as a condition of maintaining the discount, that the insured: (1) Not be involved in an accident for which the insured is at fault; and (2) Not be convicted of or plead guilty or nolo contendere to a moving traffic violation. [1989 c.379 §3]
OR Rev Stat § 742.494 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 742 - Insurance Policies Generally; Property and Casualty Policies|Section 742.494 - Certification of completion of course.

Any organization offering a motor vehicle accident prevention course approved by the Department of Transportation shall issue a certificate to each person who successfully completes the course. The person shall present the certificate to an insurer to qualify for the premium discount required under ORS 742.490 (1). [1989 c.379 §5]
OR Rev Stat § 742.496 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 742 - Insurance Policies Generally; Property and Casualty Policies|Section 742.496 - Limitation on qualification for discount.

No person shall receive a discount under ORS 742.490 to 742.494 if the person takes the approved course as a punishment, specified by a court or other government entity, for a moving traffic violation. [1989 c.379 §6]
OR Rev Stat § 742.500 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 742 - Insurance Policies Generally; Property and Casualty Policies|Section 742.500 - Definitions for ORS 742.500 to 742.506.

As used in ORS 742.500 to 742.506: (1) "Bodily injury" has the meaning given that term in ORS 742.504. (2) "Insured" has the meaning given that term in ORS 742.504. (3)(a) "Motor vehicle" means every self-propelled device in, upon or by which any person or property is or may be transported or drawn upon a public highway. (b) "Motor vehicle" does not include: (A) A device used exclusively on stationary rails or tracks; (B) Motor trucks, as defined in ORS 801.355, that have a registration weight, as defined in ORS 803.430, of more than 8,000 pounds, if the insured has employees that operate the trucks and a workers’ compensation law, a disability benefits law or a similar law covers the employees; or (C) Farm-type tractors or self-propelled equipment designed for use principally off public highways. (4) "Sums that the insured or the heirs or legal representative of the insured is legally entitled to recover as damages" has the meaning given that term in ORS 742.504. (5) "Uninsured motorist coverage" means coverage within the terms and conditions specified in ORS 742.504 that insures the insured or the heirs or legal representative of the insured for all sums that the insured or the heirs or legal representative is legally entitled to recover as damages for bodily injury or death that is caused by accident and that arises from owning, maintaining or using an uninsured vehicle in amounts or limits not less than the amounts or limits prescribed for bodily injury or death under ORS 806.070. (6) "Uninsured vehicle" has the meaning given that term in ORS 742.504. [Formerly 743.786; 2015 c.5 §1]
OR Rev Stat § 742.505 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 742 - Insurance Policies Generally; Property and Casualty Policies|Section 742.505 - Arbitration procedures under ORS 742.504.

Unless the parties agree otherwise, arbitration proceedings under ORS 742.504 shall be conducted as follows: (1) Parties to an arbitration proceeding shall submit the dispute to arbitration by a panel of three arbitrators. The panel shall consist of one arbitrator chosen by each party and one arbitrator chosen by the two arbitrators previously chosen to sit on the panel. (2) An arbitration proceeding shall be conducted under local court rules in the county where the arbitration is held. [2007 c.328 §2] Note: 742.505 was added to and made a part of ORS chapter 742 by legislative action but was not added to any smaller series therein. See Preface to Oregon Revised Statutes for further explanation.
OR Rev Stat § 742.506 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 742 - Insurance Policies Generally; Property and Casualty Policies|Section 742.506 - Allocation of responsibility among insurers.

Notwithstanding the contrary provisions of any policy, the provisions of ORS 742.504 (9) shall control allocation of responsibility between insurers, except that if all policies potentially involved expressly allocate responsibility between insurers, or self-insurers, without repugnancy, then the terms of the policies shall control. [Formerly 743.795; 2015 c.5 §6]
OR Rev Stat § 742.510 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 742 - Insurance Policies Generally; Property and Casualty Policies|Section 742.510 - Property damage coverage for damage to vehicle caused by uninsured vehicle.

(1) Every insurer issuing motor vehicle liability insurance policies on private passenger motor vehicles or on self-propelled mobile homes for delivery in this state shall have for sale coverage for property damage to a vehicle of the insured caused by an uninsured vehicle. Coverage offered under this section shall be at least the amount prescribed to meet the requirements of ORS 806.070 for insurance for injury to or destruction of the property of others in any one accident. (2) A policy with the coverage described in this section does not cover the first $300 of property damage to the covered motor vehicle as the result of an accident with a hit-and-run vehicle or phantom vehicle. In all other cases the first $200 damage is not covered. (3) Coverage for property damage described in this section: (a) Applies only to the amount of damages the insured may be legally entitled to recover. (b) Does not include coverage for loss of use of the covered vehicle. [Formerly 743.797; 1991 c.768 §5] Note: See note under 742.508.
OR Rev Stat § 742.521 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 742 - Insurance Policies Generally; Property and Casualty Policies|Section 742.521 - Conditions applicable to arbitration proceedings.

(1) Arbitration proceedings under ORS 742.520 shall be conducted under local court rules in the county where the arbitration is held. (2) Findings and awards made in an arbitration proceeding under this section: (a) Are binding on the parties to the arbitration proceeding; (b) Are not binding on any other party; and (c) May not be used for the purpose of collateral estoppel. [2007 c.328 §3] Note: 742.521 was added to and made a part of ORS chapter 742 by legislative action but was not added to any smaller series therein. See Preface to Oregon Revised Statutes for further explanation.
OR Rev Stat § 742.522 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 742 - Insurance Policies Generally; Property and Casualty Policies|Section 742.522 - Binding arbitration under ORS 742.520; costs.

(1) Costs to the insured of the arbitration proceeding under ORS 742.520 (6) shall not exceed $100 and all other costs of arbitration shall be borne by the insurer. (2) As used in this section, "costs" does not include attorney fees or expenses incurred in the production of evidence or witnesses or the making of transcripts of the arbitration proceedings. [Formerly 743.802; 2007 c.328 §9]
OR Rev Stat § 742.525 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 742 - Insurance Policies Generally; Property and Casualty Policies|Section 742.525 - Provider charges.

(1) Except as provided in subsection (2) of this section, a provider shall charge a person who receives personal injury protection benefits or that person’s insurer the lesser of: (a) An amount that does not exceed the amount the provider charges the general public; or (b) An amount that does not exceed the fee schedules for medical services published pursuant to ORS 656.248 for expenses of medical, hospital, dental, surgical and prosthetic services. (2) For expenses of hospital services that are subject to the adjusted cost-to-charge ratio specified for a hospital in the hospital fee schedule published pursuant to ORS 656.248, a provider of hospital services shall charge a person who receives personal injury protection benefits or that person’s insurer the greater of: (a) The amount of the hospital charges multiplied by the adjusted cost-to-charge ratio specified for the hospital; or (b) Ninety percent of the hospital charges. [2003 c.813 §4; 2005 c.341 §4; 2011 c.707 §1]
OR Rev Stat § 742.526 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 742 - Insurance Policies Generally; Property and Casualty Policies|Section 742.526 - Primary nature of benefits.

(1) The personal injury protection benefits with respect to: (a) The insured and members of the family of the insured residing in the same household injured while occupying the insured motor vehicle shall be primary. (b) Passengers injured while occupying the insured motor vehicle shall be primary. (c) The insured and members of family residing in the same household injured as pedestrians shall be primary. (d) The insured and members of family residing in the same household injured while occupying a motor vehicle not insured under the policy shall be excess. (e) Pedestrians injured by the insured motor vehicle, other than the insured and members of family residing in the same household, shall be excess over any other collateral benefits to which the injured person is entitled, including but not limited to insurance benefits, governmental benefits or gratuitous benefits. (2) The personal injury protection benefits may be reduced or eliminated, if it is so provided in the policy, when the injured person is entitled to receive, under the laws of this state or any other state or the United States, workers’ compensation benefits or any other similar medical or disability benefits. [Formerly 743.810]
OR Rev Stat § 742.528 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 742 - Insurance Policies Generally; Property and Casualty Policies|Section 742.528 - Notice of denial of payment of benefits.

An insurer who denies payment of personal injury protection benefits to or on behalf of an insured shall: (1) Provide written notice of the denial, within 60 calendar days of receiving a claim from the provider, to the insured, stating the reason for the denial and informing the insured of the method for contesting the denial; and (2) Provide a copy of the notice of the denial, within 60 calendar days of receiving a claim from the provider, to a provider of services under ORS 742.524 (1)(a). [Formerly 743.812; 1993 c.265 §1]
OR Rev Stat § 742.529 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 742 - Insurance Policies Generally; Property and Casualty Policies|Section 742.529 - Payment based on incorrect determination of responsibility; notice; repayment.

If personal injury protection benefits are paid based on information that appeared to establish proof of loss and the insurer paying the benefits later determines the insurer was not responsible for the payment, the insurer shall give notice and explanation to the provider that the payment was incorrectly issued. Immediately after receiving the notice and explanation the provider shall promptly repay the insurer. [2007 c.692 §3]
OR Rev Stat § 742.530 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 742 - Insurance Policies Generally; Property and Casualty Policies|Section 742.530 - Exclusions from coverage.

(1) The insurer may exclude from the coverage for personal injury protection benefits any injured person who: (a) Intentionally causes self-injury; (b) Is participating in any prearranged or organized racing or speed contest or practice or preparation for any such contest; or (c) Willfully conceals or misrepresents any material fact in connection with a claim for personal injury protection benefits. (2) The insurer may exclude from the coverage for the benefits required by ORS 742.524 (1)(b) and (c) any person injured as a pedestrian in an accident outside this state, other than the insured person or a member of that person’s family residing in the same household. [Formerly 743.815; 2005 c.341 §2]
OR Rev Stat § 742.532 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 742 - Insurance Policies Generally; Property and Casualty Policies|Section 742.532 - Benefits may be more favorable than those required by ORS 742.520, 742.524 and 742.530.

Nothing in ORS 742.518 to 742.542 is intended to prevent an insurer from providing more favorable benefits than the personal injury protection benefits described in ORS 742.520, 742.524 and 742.530. [Formerly 743.820]
OR Rev Stat § 742.534 (2021)
2021 Oregon Revised Statutes|Volume : 18 - Financial Institutions, Insurance|Chapter 742 - Insurance Policies Generally; Property and Casualty Policies|Section 742.534 - Reimbursement of other insurers paying benefits; arbitrating issues of liability and amount of reimbursement.

(1) Except as provided in ORS 742.544, every authorized motor vehicle liability insurer whose insured is or would be held legally liable for damages for injuries sustained in a motor vehicle accident by a person for whom personal injury protection benefits have been furnished by another such insurer, or for whom benefits have been furnished by an authorized health insurer, shall reimburse such other insurer for the benefits it has so furnished if it has requested such reimbursement, has not given notice as provided in ORS 742.536 that it elects recovery by lien in accordance with that section and is entitled to reimbursement under this section by the terms of its policy. Reimbursement under this subsection, together with the amount paid to injured persons by the liability insurer, shall not exceed the limits of the policy issued by the insurer. (2) In calculating such reimbursement, the amount of benefits so furnished shall be diminished in proportion to the amount of negligence attributable to the person for whom benefits have been so furnished, and the reimbursement shall not exceed the amount of damages legally recoverable by the person. (3) Disputes between insurers as to such issues of liability and the amount of reimbursement required by this section shall be decided by arbitration. (4) Findings and awards made in such an arbitration proceeding are not admissible in any action at law or suit in equity. (5) If an insurer does not request reimbursement under this section for recovery of personal injury protection payments, then the insurer may only recover personal injury protection payments under the provisions of ORS 742.536 or 742.538. [Formerly 743.825; 1993 c.709 §7; 2007 c.392 §1]