reglab/housing_qa huggingface dataset:
NC Gen Stat § 58-44-120 (2021)
2021 North Carolina General Statutes|Chapter 58 - Insurance|Article 44 - Property Insurance Policies.|§ 58-44-120 - Relation to Administrative Procedure Act.

 58-44-120. Relation to Administrative Procedure Act.The applicable provisions of Chapter 150B of the General Statutes shall govern issues relating to mediation that are not addressed in this Part. The provisions of this Part shall govern in the event of any conflict with Chapter 150B of the General Statutes. (2006-145, s. 1.)
NC Gen Stat § 58-44A-1 (2021)
2021 North Carolina General Statutes|Chapter 58 - Insurance|Article 44A - Portable Electronics Insurance.|§ 58-44A-1 - Definitions.

 58-44A-1. Definitions.As used in this Article, the following definitions apply:(1) Customer. - A person who purchases portable electronics or services.(2) Enrolled customer. - A customer who elects coverage under a portable electronics insurance policy issued to a vendor of portable electronics.(3) Location. - Any physical location in the State of North Carolina or any Web site, call center site, or similar location directed to residents of the State of North Carolina.(4) Portable electronics. - Electronic devices that are portable in nature, their accessories, and services related to the use of the device.(5) Portable electronics insurance. - Insurance providing coverage for the repair or replacement of portable electronics which may provide coverage for portable electronics against any one or more of the following causes of loss: (i) loss, (ii) theft, and (iii) inoperability due to mechanical failure, malfunction, damage, or other similar causes of loss. The term does not include the following:a. A service contract or extended warranty providing coverage limited to the repair, replacement, or maintenance of property for the operational or structural failure of the property due to a defect in materials, workmanship, accidental damage from handling, power surges, or normal wear and tear.b. A policy of insurance covering a seller's or a manufacturer's obligations under a warranty.c. A homeowner's, renter's, private passenger automobile, commercial multiperil, or similar policy.(6) Portable electronics transaction. - Either of the following:a. The sale or lease of portable electronics by a vendor to a customer.b. The sale of a service related to the use of portable electronics by a vendor to a customer.(7) Supervising entity. - A business entity that is a licensed insurer or insurance producer.(8) Vendor. - A person in the business of engaging in portable electronics transactions directly or indirectly.  (2011-225, s. 1.)
NC Gen Stat § 58-44A-5 (2021)
2021 North Carolina General Statutes|Chapter 58 - Insurance|Article 44A - Portable Electronics Insurance.|§ 58-44A-5 - Licensure of vendors.

 58-44A-5. Licensure of vendors.(a) A vendor is required to hold a limited lines license to sell or offer coverage under a policy of portable electronics insurance.(b) A limited lines license issued under this section shall authorize any employee or authorized representative of the vendor to sell or offer coverage under a policy of portable electronics insurance to a customer at each location at which the vendor engages in portable electronics transactions.(c) Notwithstanding any other provision of law, a license issued pursuant to this section shall authorize the licensee and its employees or authorized representatives to engage in those activities that are permitted in this section.  (2011-225, s. 1.)
NC Gen Stat § 58-44A-10 (2021)
2021 North Carolina General Statutes|Chapter 58 - Insurance|Article 44A - Portable Electronics Insurance.|§ 58-44A-10 - Requirements for sale of portable electronics insurance.

 58-44A-10. Requirements for sale of portable electronics insurance.(a) At every location where portable electronics insurance is offered to customers, brochures or other written materials shall be made available to a prospective customer. Those materials shall do the following:(1) Disclose that portable electronics insurance may provide a duplication of coverage already provided by a customer's homeowner's insurance policy, renter's insurance policy, or other source of coverage.(2) State that the enrollment by the customer in a portable electronics insurance program is not required in order to purchase or lease portable electronics or services.(3) Summarize the material terms of the insurance coverage, including:a. The identity of the insurer.b. The identity of the supervising entity.c. The amount of any applicable deductible and how it is to be paid.d. Benefits of the coverage.e. Key terms and conditions of coverage, such as whether portable electronics may be repaired or replaced with similar make and model reconditioned or nonoriginal manufacturer parts or equipment.(4) Summarize the process for filing a claim, including a description of how to return portable electronics and the maximum fee applicable in the event the enrolled customer fails to comply with any equipment return requirements.(5) State that the enrolled customer may cancel enrollment for coverage under a portable electronics insurance policy at any time and the person paying the premium shall receive a refund of any applicable unearned premium.(b) Portable electronics insurance may be offered on a month-to-month or other periodic basis as a group or master commercial inland marine policy issued to a vendor of portable electronics for its enrolled customers.(c) Eligibility and underwriting standards for customers electing to enroll in coverage shall be established for each portable electronics insurance program.(d) The terms of the termination or modification of coverage under a policy of portable electronic insurance offered in compliance with this section shall be as set forth in the policy.(e) Notices and correspondence may be sent either by mail or by electronic means as set forth in this subsection. The consumer may provide an electronic mail address to the insurer or vendor of portable electronics which shall be considered to be the consumer's consent to receive notices and correspondence by electronic means so long as a disclosure to that effect is provided to the consumer within 30 days following the purchase of the portable electronics insurance.  (2011-225, s. 1; 2018-120, s. 4.5.)
NC Gen Stat § 58-44A-15 (2021)
2021 North Carolina General Statutes|Chapter 58 - Insurance|Article 44A - Portable Electronics Insurance.|§ 58-44A-15 - Authority of vendors of portable electronics.

 58-44A-15. Authority of vendors of portable electronics.(a) The employees and authorized representatives of vendors may sell or offer portable electronics insurance to customers and shall not be subject to licensure as an insurance producer under this Chapter provided that the following are true:(1) The vendor obtains a limited lines license to authorize its employees or authorized representatives to sell or offer portable electronics insurance pursuant to this section.(2) The insurer issuing the portable electronics insurance either directly supervises or appoints a supervising entity to supervise the administration of the program, including development of a training program for employees and authorized representatives of the vendors. The training required by this subdivision shall comply with the following:a. The training shall be delivered to employees and authorized representatives of a vendor who are directly engaged in the activity of selling or offering portable electronics insurance.b. The training may be provided in electronic form. If conducted in an electronic form, the supervising entity shall implement a supplemental education program regarding portable electronics insurance that is conducted and overseen by licensed employees of the supervising entity.c. Each employee and authorized representative shall receive basic instruction about the portable electronics insurance offered to customers and the disclosures required under G.S. 58-44A-10.(3) No employee or authorized representative of a vendor of portable electronics shall advertise, represent, or otherwise hold himself or herself out as a non-limited lines licensed insurance producer.(b) The charges for portable electronics insurance coverage may be billed and collected by the vendor of portable electronics. Any charge to the enrolled customer for coverage that is not included in the cost associated with the purchase or lease of portable electronics or related services shall be separately itemized on the enrolled customer's bill. If the portable electronics insurance coverage is included with the purchase or lease of portable electronics or related services, the vendor shall clearly and conspicuously disclose to the enrolled customer that the portable electronics insurance coverage is included with the portable electronics or related services. Vendors billing and collecting such charges shall not be required to maintain such funds in a segregated account, provided that the vendor is authorized by the insurer to hold such funds in an alternative manner and remits such amounts to the supervising entity within 60 days of receipt. All funds received by a vendor from an enrolled customer for the sale of portable electronics insurance shall be considered funds held in trust by the vendor in a fiduciary capacity for the benefit of the insurer. Vendors may receive compensation for billing and collection services in accordance with G.S. 58-33-85.  (2011-225, s. 1.)
NC Gen Stat § 58-44A-20 (2021)
2021 North Carolina General Statutes|Chapter 58 - Insurance|Article 44A - Portable Electronics Insurance.|§ 58-44A-20 - Suspension or revocation of license.

 58-44A-20. Suspension or revocation of license.If a vendor of portable electronics or its employee or authorized representative violates any provision of this section, the Commissioner may do any of the following:(1) Revoke or suspend a limited lines license issued under this Part [Article] in accordance with the provisions of G.S. 58-33-46.(2) After notice and hearing, impose other penalties, including suspending the transaction of insurance at specific locations where violations of this Article have occurred, as the Commissioner deems necessary and reasonable to carry out the purpose of this Article.  (2011-225, s. 1.)
NC Gen Stat § 58-44A-25 (2021)
2021 North Carolina General Statutes|Chapter 58 - Insurance|Article 44A - Portable Electronics Insurance.|§ 58-44A-25 - Application for license.

 58-44A-25. Application for license.The prerequisites for issuance of a limited lines license under this Article are the filing with the Commissioner of the following:(1) A license application, signed by an officer of the applicant, for the limited lines license in such form or forms, and supplements thereto, and containing such information, as the Commissioner may prescribe.(2) A certificate by the insurer that is to be named in such limited lines license, stating that it has satisfied itself that the named applicant is trustworthy and competent to act as its insurance agent for this limited purpose and that the insurer will appoint such applicant to act as the agent in reference to the kinds of insurance as are permitted by this section, if the limited lines license applied for is issued by the Commissioner. Such certificate shall be subscribed to by an officer or managing agent of such insurer and affirmed as true under the penalties of perjury.  (2011-225, s. 1.)
NC Gen Stat § 58-44B-1 (2021)
2021 North Carolina General Statutes|Chapter 58 - Insurance|Article 44B - Travel Insurance.|§ 58-44B-1 - Scope and purpose.

 58-44B-1. Scope and purpose.(a) The purpose of this Article is to create a comprehensive legal framework within which travel insurance may be sold in this State.(b) The requirements of this Article shall apply to travel insurance which covers any resident of this State and is sold, solicited, negotiated, or offered in this State and where policies and certificates are delivered or issued for delivery in this State. It shall not apply to cancellation fee waivers and travel assistance services, except as expressly provided herein.(c) All other applicable provisions of this Chapter shall continue to apply to travel insurance except that (i) the specific provisions of this Article shall supersede any general provisions of law that would otherwise be applicable to travel insurance and (ii) in the event of a conflict between this Article and other provisions of this Chapter regarding the sale and marketing of travel insurance and travel protection plans, the provisions of this Article shall control.  (2019-128, s. 2.)
NC Gen Stat § 58-44B-10 (2021)
2021 North Carolina General Statutes|Chapter 58 - Insurance|Article 44B - Travel Insurance.|§ 58-44B-10 - Premium tax.

 58-44B-10. Premium tax.(a) A travel insurer shall pay premium tax, as provided in G.S. 105-228.5, on travel insurance premiums paid by any of the following:(1) An individual primary policyholder who is a resident of this State.(2) A primary certificate holder who is a resident of this State who elects coverage under a group travel insurance policy.(3) A blanket travel insurance policyholder that is a resident in, or has its principal place of business or the principal place of business of an affiliate or subsidiary that has purchased blanket travel insurance in, this State for eligible blanket group members, subject to any apportionment rules which apply to the insurer across multiple taxing jurisdictions or that permits the insurer to allocate premium on an apportioned basis in a reasonable and equitable manner in those jurisdictions.(b) A travel insurer shall do all of the following:(1) Document the state of residence or principal place of business of the policyholder or certificate holder, as required in subsection (a) of this section.(2) Report as premium only the amount allocable to travel insurance and not any amounts received for travel assistance services or cancellation fee waivers.  (2019-128, s. 2.)
NC Gen Stat § 58-44B-15 (2021)
2021 North Carolina General Statutes|Chapter 58 - Insurance|Article 44B - Travel Insurance.|§ 58-44B-15 - Travel protection plans.

 58-44B-15. Travel protection plans.Travel protection plans may be offered for one price for the combined permitted features as defined in G.S. 58-44B-5 if the plan meets all of the following requirements:(1) The travel protection plan clearly discloses to the consumer at or prior to the time of purchase that it includes travel insurance, travel assistance services, and cancellation fee waivers as applicable, and provides information and an opportunity at or prior to the time of purchase for the consumer to obtain additional information regarding the features and pricing of each.(2) The fulfillment materials:a. Describe and delineate the travel insurance, travel assistance services, and cancellation fee waivers in the travel protection plan.b. Include the travel insurance disclosures and the contact information for persons providing travel assistance services and cancellation fee waivers, as applicable.  (2019-128, s. 2.)
NC Gen Stat § 58-44B-25 (2021)
2021 North Carolina General Statutes|Chapter 58 - Insurance|Article 44B - Travel Insurance.|§ 58-44B-25 - Travel administrators.

 58-44B-25. Travel administrators.(a) Notwithstanding any other provisions of this Chapter, no person shall act or represent himself or herself as a travel administrator for travel insurance in this State unless that person:(1) Is a licensed property and casualty insurance producer in this State for activities permitted under that producer license.(2) Holds a valid managing general agent license in this State.(3) Holds a valid third-party administrator license in this State.(b) A travel administrator and his or her employees are exempt from the licensing requirements of G.S. 58-33-19 for travel insurance he or she administers.(c) An insurer is responsible for the acts of a travel administrator administering travel insurance underwritten by the insurer and is responsible for ensuring that the travel administrator maintains all books and records relevant to the insurer to be made available by the travel administrator to the Commissioner upon request.  (2019-128, s. 2.)
NC Gen Stat § 58-44B-30 (2021)
2021 North Carolina General Statutes|Chapter 58 - Insurance|Article 44B - Travel Insurance.|§ 58-44B-30 - Policy.

 58-44B-30. Policy.(a) Notwithstanding any other provision of this Chapter, travel insurance shall be classified and filed for purposes of rates and forms under an inland marine line of insurance, provided, however, that travel insurance that provides coverage for sickness, accident, disability, or death occurring during travel, either exclusively or in conjunction with related coverages of emergency evacuation, repatriation of remains, or incidental limited property and casualty benefits such as baggage or trip cancellation, may be filed by an authorized insurer under either an accident and health line of insurance or an inland marine line of insurance.(b) Eligibility and underwriting standards for travel insurance may be developed and provided based on travel protection plans designed for individual or identified marketing or distribution channels, provided those standards also meet the State's underwriting standards for inland marine.(c) Travel insurance may be provided in the form of an individual, group, or blanket policy.  (2019-128, s. 2.)
NC Gen Stat § 58-44B-35 (2021)
2021 North Carolina General Statutes|Chapter 58 - Insurance|Article 44B - Travel Insurance.|§ 58-44B-35 - Rule-making authority.

 58-44B-35. Rule-making authority.The Commissioner may issue rules to implement the provisions of this Article.  (2019-128, s. 2.)
NC Gen Stat § 58-45-1 (2021)
2021 North Carolina General Statutes|Chapter 58 - Insurance|Article 45 - Essential Property Insurance for Beach Area Property.|§ 58-45-1 - Declarations and purpose of Article.

 58-45-1. Declarations and purpose of Article.(a) It is hereby declared by the General Assembly of North Carolina that an adequate market for essential property insurance is necessary to the economic welfare of the beach and coastal areas of the State of North Carolina and that without such insurance the orderly growth and development of those areas would be severely impeded; that furthermore, adequate insurance upon property in the beach and coastal areas is necessary to enable homeowners and commercial owners to obtain financing for the purchase and improvement of their property; and that while the need for such insurance is increasing, the market for such insurance is not adequate and is likely to become less adequate in the future; and that the present plans to provide adequate insurance on property in the beach and coastal areas, while deserving praise, have not been sufficient to meet the needs of this area. It is further declared that the State has an obligation to provide an equitable method whereby every licensed insurer writing essential property insurance in North Carolina is required to meet its public responsibility instead of shifting the burden to a few willing and public-spirited insurers. It is the purpose of this Article to accept this obligation and to provide a mandatory program to assure an adequate market for essential property insurance in the beach and coastal areas of North Carolina.(b) The General Assembly further declares that it is its intent in creating and, from time to time, amending this Article that the market provided by this Article not be the first market of choice, but the market of last resort.(c) It is the intent of the General Assembly that except for North Carolina gross premium taxes and the fire and lightning tax, the activities of the Association be exempt from State and federal taxation to the fullest extent permitted by law.  (1967, c. 1111, s. 1; 1969, c. 249; 1979, c. 601, s. 1; 1997-498, s. 9; 2009-472, s. 1.)
NC Gen Stat § 58-45-6 (2021)
2021 North Carolina General Statutes|Chapter 58 - Insurance|Article 45 - Essential Property Insurance for Beach Area Property.|§ 58-45-6 - Persons who can be insured by the Association.

 58-45-6. Persons who can be insured by the Association.As used in this Article, "person" includes the State of North Carolina and any county, city, or other political subdivision of the State of North Carolina. (2000-122, s. 5; 2002-187, s. 1.4.)
NC Gen Stat § 58-45-10 (2021)
2021 North Carolina General Statutes|Chapter 58 - Insurance|Article 45 - Essential Property Insurance for Beach Area Property.|§ 58-45-10 - North Carolina Insurance Underwriting Association created.

 58-45-10. North Carolina Insurance Underwriting Association created.There is hereby created the North Carolina Insurance Underwriting Association, consisting of all insurers authorized to write and engage in writing within this State, on a direct basis, essential property insurance, except town and county mutual insurance associations and assessable mutual companies as authorized by G.S. 58-7-75(5)b, 58-7-75(5)d, and 58-7-75(7)b and except an insurer who only writes insurance in this State on property exempted from taxation by the provisions of G.S. 105-278.1 through G.S. 105-278.8. Every such insurer shall be a member of the Association and shall remain a member of the Association so long as the Association is in existence as a condition of its authority to continue to transact the business of insurance in this State. (1967, c. 1111, s. 1; 1969, c. 249; 1971, c. 1067, s. 2; 1987 (Reg. Sess., 1988), c. 975, s. 20; 1998-211, s. 6.)
NC Gen Stat § 58-45-15 (2021)
2021 North Carolina General Statutes|Chapter 58 - Insurance|Article 45 - Essential Property Insurance for Beach Area Property.|§ 58-45-15 - Powers and duties of Association.

 58-45-15. Powers and duties of Association.The Association shall, pursuant to the provisions of this Article and the plan of operation, and with respect to the insurance coverages authorized in this Article, have the power on behalf of its members:(1) To cause to be issued policies of insurance to applicants.(2) To assume reinsurance from its members.(3) To cede reinsurance to its members and to purchase reinsurance in behalf of its members.(4) To pledge the proceeds of assessments, projected reinsurance recoveries, other recoverables, and any other funds available to the Association as the source of revenue for and to secure lines of credit or other borrowings or financing arrangements necessary to fund any actual, projected, or future deficits of the Association, including borrowing from member companies.(5) To publish in the North Carolina Register all homeowners' rate filings with the Department of Insurance.  (1967, c. 1111, s. 1; 1969, c. 249; 1999-114, s. 7; 2009-472, s. 1.)
NC Gen Stat § 58-45-20 (2021)
2021 North Carolina General Statutes|Chapter 58 - Insurance|Article 45 - Essential Property Insurance for Beach Area Property.|§ 58-45-20 - Temporary directors of Association.

 58-45-20. Temporary directors of Association.Within 10 days after April 17, 1969, the Commissioner shall appoint a temporary board of directors of this Association, which shall consist of 11 representatives of members of the Association. Such temporary board of directors shall prepare and submit a plan of operation in accordance with G.S. 58-45-30 and shall serve until the permanent board of directors shall take office in accordance with said plan of operation. (1967, c. 1111, s. 1; 1969, c. 249.)
NC Gen Stat § 58-45-36 (2021)
2021 North Carolina General Statutes|Chapter 58 - Insurance|Article 45 - Essential Property Insurance for Beach Area Property.|§ 58-45-36 - Temporary contracts of insurance.

 58-45-36. Temporary contracts of insurance.Consistent with G.S. 58-45-35(d), the Association shall be temporarily bound by a written temporary binder of insurance issued by any duly licensed insurance agent or broker. Coverage shall be effective upon payment to the agent or broker of the entire premium or part of the premium, as prescribed by the Association's plan of operation. Nothing in this section shall impair or restrict the rights of the Association under G.S. 58-45-35(b) to decline to issue a policy based upon a lack of insurability as determined by the Association or the existence of an unpaid premium due from the applicant. (2002-185, s. 4.2.)