reglab/housing_qa huggingface dataset:
36 OK Stat § 36-937 (2021)
2021 Oklahoma Statutes|Title 36. Insurance|§36-937. Hearing on order or decision by Commission made without a hearing - Appeal to Supreme Court.

|A. Any insurer or advisory organization aggrieved by any order or decision of the Insurance Commissioner, made without a hearing, may, within thirty (30) days after notice of the order to the insurer or organization, make written request to the Commissioner for a hearing thereon. The Commissioner shall hear such party or parties within twenty (20) days after receipt of such request and shall give not less than ten (10) days' written notice of the time and place of the hearing. Within fifteen (15) days after such hearing, the Commissioner shall affirm, reverse or modify the previous action of the Commissioner, specifying its reasons therefor. Pending such hearing and decision thereon, the Commissioner may suspend or postpone the effective date of the previous action of the Commissioner. |B. Nothing contained in this act shall require the observance at any hearing, of formal rules of pleading or evidence.C. Except as otherwise provided in this act, any order or decision of the Commissioner made pursuant to this act shall be subject to review by appeal to the Supreme Court of Oklahoma at the instance of any party in interest. Such party in interest may appeal from such order or decision by filing with the Clerk of the Supreme Court, within thirty (30) days from the date of such order or decision, a petition in error with a copy of the order or decision appealed from. The time limit prescribed herein for filing the petition in error may not be extended. The Supreme Court shall prescribe, by rule, the manner in which the record of the proceedings, sought to be reviewed, shall be perfected and the time for its completion. The appeal shall not stay the execution of any order or decision of the Commissioner unless the Supreme Court shall, for cause shown, order that said decision or order be stayed pending such appeal, in which event the Court shall determine the terms and conditions upon which the same shall be stayed; provided, premiums collected prior to the effective date of the order of the Court imposing a stay shall be retained by the insurer unless the Court finds that such premiums were obtained by fraud, or unless otherwise ordered by the Court.The Court may, in disposing of the issue before it, determine all issues of law and fact, and may modify, affirm or reverse the order or decisions of the Commissioner in whole or in part.Added by Laws 1980, c. 322, § 31, eff. Jan. 1, 1981. Amended by Laws 1988, c. 28, § 1, eff. Nov. 1, 1988; Laws 2006, c. 264, § 25, eff. July 1, 2006.
36 OK Stat § 36-940 (2021)
2021 Oklahoma Statutes|Title 36. Insurance|§36-940. Inquiry regarding making claim – Prohibited acts.

|No insurer that issues any type of property or casualty insurance policy in this state shall increase premium rates, cancel a policy, or refuse to issue or renew a policy solely on the basis of a policyholder inquiring about making a claim, if the policyholder does not in fact submit a claim. |Added by Laws 2004, c. 32, § 1, eff. Nov. 1, 2004.
36 OK Stat § 36-941 (2021)
2021 Oklahoma Statutes|Title 36. Insurance|§36-941. Certain cancellation, refusal to renew or increase of premium rate for motor vehicle liability or collision insurance policies prohibited - Exemptions.

|A. No insurance carrier who issues motor vehicle insurance policies in this state shall assign driving record points, cancel, refuse to issue or renew, or charge a higher premium rate for any motor vehicle liability or collision insurance policy for the reason that the insured has been involved in a motor vehicle collision and was not at fault. |B. No insurance carrier who issues motor vehicle insurance policies in this state shall cancel, refuse to issue or renew, or charge a higher premium for any motor vehicle liability or collision insurance policy for the reason that the insured had lower liability limits with a previous insurer without actuarial justification. This prohibition includes using prior limits for company or tier placement unless the insurer provides actuarial justification.C. This section shall not apply to an insured who has been convicted of:1. Homicide or assault arising out of the operation of any motor vehicle; or2. A violation of Section 11-902 or 761 of Title 47 of the Oklahoma Statutes as being impaired by or under the influence of alcohol or intoxicating liquor or who was under the influence of any substance included in the Uniform Controlled Dangerous Substances Act.Added by Laws 1980, c. 99, § 1, eff. Oct. 1, 1980. Amended by Laws 1984, c. 254, § 4, eff. Nov. 1, 1984; Laws 1988, c. 27, § 1, eff. Nov. 1, 1988. Renumbered from § 7-508 of Title 47 by Laws 1988, c. 27, § 4, eff. Nov. 1, 1988. Amended by Laws 2001, c. 363, § 10, eff. July 1, 2001; Laws 2004, c. 519, § 10, eff. Nov. 1, 2004; Laws 2005, c. 1, § 38, emerg. eff. March 15, 2005.NOTE: Laws 2004, c. 96, § 1 repealed by Laws 2005, c. 1, § 39, emerg. eff. March 15, 2005.
36 OK Stat § 36-941.2 (2021)
2021 Oklahoma Statutes|Title 36. Insurance|§36-941.2. Motor vehicle liability policies – Provision relating to financial responsibility limits of another state or province.

|Every motor vehicle liability insurance policy approved by the Insurance Commissioner shall include a provision providing that the financial responsibility limits of another state or province shall be met if so required by the other state and if the financial responsibility limits of the other state or province are higher than those required by the state where the motor vehicle is principally garaged. The policy does not have to contain the exact wording of this section or any other exact wording. Language which is substantially similar to this section shall be considered to be in compliance with this section. |Added by Laws 2004, c. 96, § 2, eff. Nov. 1, 2004.
36 OK Stat § 36-942 (2021)
2021 Oklahoma Statutes|Title 36. Insurance|§36-942. Motor vehicle liability or collision policies - Traffic record as basis of determination - Penalties.

|Any insurance carrier that issues motor vehicle liability or collision insurance policies in this state shall not establish or apply premium rates, increase premium rates, cancel a policy, or refuse to issue or renew a policy, based on any traffic record maintained by the Department of Public Safety which covers a period of time more than three (3) years prior to the date the insurance carrier makes a determination to take any such action; provided however, those offenses that are provided for in subsection C of Section 941 of this title and the offense of reckless driving as provided for in Section 11-901 of Title 47 of the Oklahoma Statutes may be considered by an insurance carrier for a period of not more than five (5) years. |Added by Laws 1988, c. 27, § 2, eff. Nov. 1, 1988. Amended by Laws 2004, c. 519, § 11, eff. Nov. 1, 2004; Laws 2006, c. 322, § 3, eff. July 1, 2006.
36 OK Stat § 36-943 (2021)
2021 Oklahoma Statutes|Title 36. Insurance|§36-943. Motor vehicle policies - Insurers prohibited from canceling, increasing premium rates or refusing to issue or renew policy based on traffic charges under certain circumstances.

|A. No insurance carrier who issues motor vehicle policies in this state shall use traffic complaints, traffic citations or other legal forms of traffic charges as a basis for cancellation of a motor vehicle insurance policy, increasing premium rates for a motor vehicle insurance policy or refusing to issue or renew a motor vehicle insurance policy, where: |1. the insured was acquitted of the charge;2. the insured was arrested and no charges were filed; or3. the insured was arrested and the charges were dismissed.B. The Insurance Commissioner may suspend or revoke, after notice and hearing, the certificate of authority to transact insurance business in this state of any insurance carrier violating the provisions of this section or may censure the insurer or impose a fine.Added by Laws 1990, c. 81, § 1, eff. Sept. 1, 1990.
36 OK Stat § 36-944 (2021)
2021 Oklahoma Statutes|Title 36. Insurance|§36-944. Motor vehicle policies - Restriction on cancellation or increasing rates.

|No insurer shall, directly or indirectly, use traffic tickets or convictions for traffic offenses as a basis for cancellation of automobile insurance policies or increasing insurance premium rates for automobile insurance policies where such ticket or conviction is for exceeding the speed limit specified in Article 8 of Chapter 11 of Title 47 of the Oklahoma Statutes, but not exceeding the speed limit previously in force where the violation occurred; nor shall any insurer in any way penalize or adversely affect any insured for any such violation or conviction. |Added by Laws 1974, c. 3, § 2, operative March 4, 1974. Amended by Laws 1987, c. 25, § 2, emerg. eff. April 15, 1987. Renumbered from § 11-801b of Title 47 by Laws 2002, c. 397, § 35, eff. Nov. 1, 2002. Amended by Laws 2005, c. 129, § 6, eff. Nov. 1, 2005.
36 OK Stat § 36-950 (2021)
2021 Oklahoma Statutes|Title 36. Insurance|§36-950. Short title.

|This act shall be known and may be cited as the “Use of Credit Information in Personal Insurance Act”. |Added by Laws 2003, c. 127, § 1, eff. Nov. 1, 2003.
36 OK Stat § 36-951 (2021)
2021 Oklahoma Statutes|Title 36. Insurance|§36-951. Application of act.

|This act shall apply to personal insurance and not to commercial insurance. This act shall apply to personal insurance policies either written to be effective or renewed on or after nine (9) months following the effective date of this act. |Added by Laws 2003, c. 127, § 2, eff. Nov. 1, 2003.
36 OK Stat § 36-952 (2021)
2021 Oklahoma Statutes|Title 36. Insurance|§36-952. Definitions.

|As used in this act: |1. “Adverse action” means a denial or cancellation of, an increase in any charge for, or a reduction or other adverse or unfavorable change in the terms of coverage or amount of, any insurance, existing or applied for, in connection with the underwriting of personal insurance;2. “Affiliate” means any company that controls, is controlled by, or is under common control with another company;3. “Applicant” means an individual who has applied to be covered by a personal insurance policy with an insurer;4. “Consumer” means an insured whose credit information is used or whose insurance score is calculated in the underwriting or rating of a personal insurance policy or an applicant for such a policy;5. “Consumer reporting agency” means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties;6. “Credit information” means any credit-related information derived from a credit report, found on a credit report itself, or provided on an application for personal insurance. Information that is not credit-related shall not be considered "credit information”, regardless of whether it is contained in a credit report or in an application, or is used to calculate an insurance score;7. “Credit report” means any written, oral, or other communication of information by a consumer reporting agency bearing on a consumer’s credit worthiness, credit standing or credit capacity which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor to determine personal insurance premiums, eligibility for coverage, or tier placement;8. “Insurance score” means a number or rating that is derived from an algorithm, computer application, model, or other process that is based in whole or in part on credit information for the purposes of predicting the future insurance loss exposure of an individual applicant or insured; and9. “Personal insurance” means private passenger automobile, homeowners, motorcycle, mobile-homeowners and noncommercial dwelling fire insurance policies and boat, personal watercraft, snowmobile and recreational vehicle policies. Such policies must be individually underwritten for personal, family or household use. No other type of insurance shall be included as personal insurance for the purpose of this act.Added by Laws 2003, c. 127, § 3, eff. Nov. 1, 2003.
36 OK Stat § 36-953.1 (2021)
2021 Oklahoma Statutes|Title 36. Insurance|§36-953.1. Exceptions by insurers to certain events influencing credit information – Request by insured or applicant.

|A. Notwithstanding any other law or regulation, an insurer that uses credit information shall, upon written request from an applicant for insurance coverage or an insured upon a form provided by the Insurance Commissioner, provide reasonable exceptions to the rate of the insurer, rating classifications, company or tier placement or underwriting rules or guidelines for a consumer who has experienced and whose credit information has been directly influenced by any of the following events: |1. Catastrophic event declared by the federal or state government;2. Serious illness or injury, or serious illness or injury to an immediate family member;3. Death of an immediate family member;4. Divorce or involuntary interruption of legally owed alimony or support payments;5. Identity theft;6. Temporary loss of employment for a period of three (3) months or more, if it results from involuntary termination;7. Military deployment overseas; and8. Other events, as determined by the Insurance Commissioner.B. If an applicant or insured submits a request for an exception as provided in subsection A of this section, an insurer may, in its sole discretion:1. Require the consumer to provide reasonable written and independently verifiable documentation of the event;2. Require the consumer to demonstrate that the event had direct and meaningful impact on the credit information of the consumer;3. Require the request be made no more than sixty (60) days from the date of the application for insurance or the policy renewal;4. Grant an exception despite the consumer not providing the initial request for an exception in writing; or5. Grant an exception to requiring a written request where the consumer asks for a consideration of repeated events or the insurer has considered this event previously.C. An insurer is in compliance with any other provision of law or Insurance Department rule relating to underwriting, rating or rate filing notwithstanding the granting an exception under this section. Nothing in this section shall be construed to provide a consumer or other insured with a cause of action that does not exist in the absence of this section.D. The insurer shall provide notice to consumers, either at the time of acceptance of an insurance application or at policy renewal, that reasonable exceptions are available and information about how the consumer may inquire further.Added by Laws 2021, c. 478, § 3, emerg. eff. May 12, 2021.
36 OK Stat § 36-954 (2021)
2021 Oklahoma Statutes|Title 36. Insurance|§36-954. Reunderwriting and rerating of insured - Refund of overpayment.

|If it is determined through the dispute resolution process set forth in the federal Fair Credit Reporting Act, 15 USC 1681i(a)(5), that the credit information of a current insured was incorrect or incomplete and if the insurer receives notice of such determination from either the consumer reporting agency or from the insured, the insurer shall reunderwrite and rerate the consumer within thirty (30) days of receiving the notice. After reunderwriting or rerating the insured, the insurer shall make any adjustments necessary, consistent with its underwriting and rating guidelines. If an insurer determines that the insured has overpaid premium, the insurer shall refund to the insured the amount of overpayment calculated back to the shorter of either the last twelve (12) months of coverage or the actual policy period. |Added by Laws 2003, c. 127, § 5, eff. Nov. 1, 2003.
36 OK Stat § 36-955 (2021)
2021 Oklahoma Statutes|Title 36. Insurance|§36-955. Disclosure statement.

|A. If an insurer writing personal insurance uses credit information in underwriting or rating a consumer, the insurer or its agent shall disclose, either on the insurance application or at the time the insurance application is taken, that it may obtain credit information in connection with such application. Such disclosure shall be either written or provided to an applicant in the same medium as the application for insurance. The insurer need not provide the disclosure statement required under this section to any insured on a renewal policy, if such consumer has previously been provided a disclosure statement. |B. Use of the following example disclosure statement constitutes compliance with this section: “In connection with this application for insurance, we may review your credit report or obtain or use a credit-based insurance score based on the information contained in that credit report. We may use a third party in connection with the development of your insurance score”.Added by Laws 2003, c. 127, § 6, eff. Nov. 1, 2003.
36 OK Stat § 36-956 (2021)
2021 Oklahoma Statutes|Title 36. Insurance|§36-956. Adverse action based upon credit information - Notification to consumer.

|If an insurer takes an adverse action based upon credit information, the insurer shall: |1. Provide notification to the consumer that an adverse action has been taken, in accordance with the requirements of the federal Fair Credit Reporting Act, 15 USC 1681m(a); and2. Provide notification to the consumer explaining the reason for the adverse action. The reasons must be provided in sufficiently clear and specific language so that a person can identify the basis for the insurer’s decision to take an adverse action. Such notification shall include a description of up to four factors that were the primary influences of the adverse action. The use of generalized terms such as “poor credit history”, “poor credit rating”, or “poor insurance score” does not meet the explanation requirements of this subsection. Standardized credit explanations provided by consumer reporting agencies or other third-party vendors are deemed to comply with this section.Added by Laws 2003, c. 127, § 7, eff. Nov. 1, 2003.
36 OK Stat § 36-957 (2021)
2021 Oklahoma Statutes|Title 36. Insurance|§36-957. Filing of scoring models or other scoring processes.

|A. Insurers that use insurance scores to underwrite and rate risks must file their scoring models or other scoring processes with the Insurance Department. A third party may file scoring models on behalf of insurers. A filing that includes insurance scoring may include loss experience justifying the use of credit information. |B. Any filing relating to credit information is considered trade secret under Section 85 et seq. of Title 78 of the Oklahoma Statutes.Added by Laws 2003, c. 127, § 8, eff. Nov. 1, 2003.
36 OK Stat § 36-958 (2021)
2021 Oklahoma Statutes|Title 36. Insurance|§36-958. Indemnification of agents.

|An insurer shall indemnify, defend, and hold agents harmless from and against all liability, fees, and costs arising out of or relating to the actions, errors, or omissions of an agent who obtains or uses credit information or insurance scores for an insurer, provided the agent follows the instructions of or procedures established by the insurer and complies with any applicable law or regulation. Nothing in this section shall be construed to provide a consumer or other insured with a cause of action that does not exist in the absence of this section. |Added by Laws 2003, c. 127, § 9, eff. Nov. 1, 2003.
36 OK Stat § 36-959 (2021)
2021 Oklahoma Statutes|Title 36. Insurance|§36-959. Sale of data or lists by consumer reporting agencies.

|A. No consumer reporting agency shall provide or sell data or lists that include any information that in whole or in part was submitted in conjunction with an insurance inquiry about a consumer’s credit information or a request for a credit report or insurance score. Such information includes, but is not limited to, the expiration dates of an insurance policy or any other information that may identify time periods during which a consumer’s insurance may expire and the terms and conditions of the consumer’s insurance coverage. |B. The restrictions provided in subsection A of this section do not apply to data or lists the consumer reporting agency supplies to the insurance agent from whom information was received, the insurer on whose behalf such agent acted, or such insurer’s affiliates or holding companies.C. Nothing in this section shall be construed to restrict any insurer from being able to obtain a claims history report or a motor vehicle report.Added by Laws 2003, c. 127, § 10, eff. Nov. 1, 2003.
36 OK Stat § 36-963 (2021)
2021 Oklahoma Statutes|Title 36. Insurance|§36-963. Insurable property defined.

|For the purposes of this act, the term "insurable property" includes single-family residential property. Insurable property also includes modular homes satisfying the codes, standards or techniques as provided in Section 1 or 2 of this act. Manufactured homes or mobile homes are excluded, except as expressly provided in subsection B of Section 2 of this act. |Added by Laws 2017, c. 349, § 3, eff. Nov. 1, 2017.
36 OK Stat § 36-964 (2021)
2021 Oklahoma Statutes|Title 36. Insurance|§36-964. Applicability date.

|This act shall only apply to new insurance policies written, or existing policies renewed, on or after April 1, 2018. |Added by Laws 2017, c. 349, § 4, eff. Nov. 1, 2017.
36 OK Stat § 36-965 (2021)
2021 Oklahoma Statutes|Title 36. Insurance|§36-965. Promulgation of rules to implement and administer the act.

|The Insurance Commissioner shall promulgate such rules as are necessary to implement and administer this act; however, the Commissioner shall not suggest, set or otherwise impose any standard discount amount, target or benchmark under this act. |Added by Laws 2017, c. 349, § 5, eff. Nov. 1, 2017.
36 OK Stat § 36-981 (2021)
2021 Oklahoma Statutes|Title 36. Insurance|§36-981. Short title and purposes of act.

|Short Title and Purposes of Act. |A. Sections 981 through 998 of this title and Sections 22, 23 and 24 of this act shall constitute a part of the Oklahoma Insurance Code and shall be known and may be cited as the "Property and Casualty Competitive Loss Cost Rating Act".B. The purposes of the Property and Casualty Competitive Loss Cost Rating Act are:1. To promote price competition among insurers so as to provide rates that are responsive to competitive market conditions;2. To protect policyholders and the public against the adverse effects of excessive, inadequate or unfairly discriminatory rates;3. To prohibit unlawful price-fixing agreements and other anticompetitive behavior by insurers;4. To provide regulatory procedures for the maintenance of appropriate data reporting systems;5. To provide regulatory controls in the absence of a competitive marketplace; and6. To authorize essential cooperative action among insurers in the ratemaking process and to regulate such activity to prevent practices that substantially lessen competition or create a monopoly.Added by Laws 1999, c. 83, § 1, eff. Nov. 1, 1999. Amended by Laws 2004, c. 591, § 12, eff. Nov. 1, 2004.
36 OK Stat § 36-983 (2021)
2021 Oklahoma Statutes|Title 36. Insurance|§36-983. Scope of act.

|The Property and Casualty Competitive Loss Cost Rating Act applies to all forms of property and casualty insurance written in this state by insurers licensed in this state. The Property and Casualty Competitive Loss Cost Rating Act shall not apply to: |1. Reinsurance;2. Life insurance;3. Accident and health insurance;4. Insurance of vessels or craft, their cargoes, marine builders' risks, marine protection and indemnity, or other risks commonly insured under marine, excluding inland marine, insurance as determined by the Commissioner; and5. Title insurance.Added by Laws 1999, c. 83, § 3, eff. Nov. 1, 1999. Amended by Laws 2004, c. 519, § 14, eff. Nov. 1, 2004; Laws 2005, 1st Ex.Sess., c. 1, § 3, eff. July 1, 2005.