reglab/housing_qa huggingface dataset:
AR Code § 23-89-213 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 89 - Casualty Insurance|Subchapter 2 - Automobile Liability Insurance Generally|§ 23-89-213. Proof of insurance

 (a) All insurance companies authorized to do business in this state and issuing automobile liability insurance policies in this state shall furnish to the insured a proof-of-insurance card.  (b) The proof-of-insurance card or any temporary proof of insurance issued by the insurance company shall contain the following information:  (1) The name, address, telephone number, and National Association of Insurance Commissioners' code number of the insurer;  (2) The name and telephone number of the local agent through whom the policy was issued, if any, or a blank space where a local agent's name may be stamped or filled in;  (3) The policy number;  (4) The effective date of the insurance policy coverage and the expiration date of the insurance policy coverage;  (5) The vehicle identification number and a brief description of the insured vehicle, except that an insurance card for fleet vehicles is not required to list a separate vehicle identification number for each vehicle in the fleet;  (6) The name and address of the insured person; and  (7) The designation “Excluded Driver(s)” if a person or persons are excluded from coverage under the insurance policy.    (c) At the discretion of the Insurance Commissioner, any person or insurance company that violates this section may be subject to the following penalties:  (1) Suspension or revocation of the person's or insurer's certificate of authority to transact insurance in this state under § 23-63-213; or  (2) A monetary penalty in lieu of revocation or suspension as provided under § 23-63-213.
AR Code § 23-89-214 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 89 - Casualty Insurance|Subchapter 2 - Automobile Liability Insurance Generally|§ 23-89-214. Motor vehicle liability insurance — Prohibition regarding step-downs

 No motor vehicle liability insurance policy issued or delivered in this state shall contain a provision that converts the limits for bodily injury or property damage to lower limits in the event that the insured motor vehicle is involved in an accident while it is being driven by a driver other than the insured.
AR Code § 23-89-215 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 89 - Casualty Insurance|Subchapter 2 - Automobile Liability Insurance Generally|§ 23-89-215. Priority of primary motor vehicle liability insurance coverage

 The liability insurance policy covering a motor vehicle is primary when the motor vehicle is driven by:   (1) An insured; or  (2) Any other person:  (A) Not excluded from coverage under the policy;  (B) With the permission of an insured; and  (C) When the use of the motor vehicle is within the scope of the permission granted by an insured.
AR Code § 23-89-216 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 89 - Casualty Insurance|Subchapter 2 - Automobile Liability Insurance Generally|§ 23-89-216. Notice concerning use of insurance proceeds

 (a) When making payment to a third party on a claim under a motor vehicle insurance policy for damage to a motor vehicle, a motor vehicle liability insurer shall provide a written notice to the third-party claimant in substantially the following form:  (b) The written notice required by subsection (a) of this section may be provided by including the written notice on each written loss estimate prepared in connection with the claim.    “Failure to use the insurance proceeds in accordance with a security agreement between you and a lienholder, if any, may constitute the criminal offense of defrauding a secured creditor in violation of Arkansas Code § 5-37-203. If you have any questions, contact your lienholder.”
AR Code § 23-89-301 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 89 - Casualty Insurance|Subchapter 3 - Automobile Liability Insurance — Cancellation and Nonrenewal|§ 23-89-301. Definitions

 As used in this subchapter:   (1) “Automobile collision coverage” includes all coverage of loss or damage to an automobile insured under the policy resulting from collision or upset;  (2) “Automobile liability coverage” includes only coverage of bodily injury and property damage liability, medical payments, and uninsured motorists coverage;  (3) “Automobile physical damage coverage” includes all coverage of loss or damage to an automobile insured under the policy except loss or damage resulting from collision or upset;  (4) “Nonpayment of premium” means failure of the named insured to discharge when due any of his or her obligations in connection with the payment of premiums on a policy, or any installment of the premium, whether the premium is payable directly to the insurer or its agent or indirectly under any premium finance plan or extension of credit;  (5) “Policy” means an automobile liability, automobile physical damage, or automobile collision policy, or any combination thereof, delivered or issued for delivery in this state; and  (6)  (A) “Renewal” or “to renew” means the issuance and delivery by an insurer of a:  (i) Policy superseding a policy previously issued and delivered by:  (a) The same insurer; or  (b) An affiliate or subsidiary, as defined in § 23-63-503, that has a financial strength rating that is:  (1) Issued by an industry-recognized independent insurance rating company; and  (2) At least as good as the insurer issuing the superseded policy; or      (ii) Certificate or notice extending the term of a policy beyond its policy period or term.    (B) However, for the purposes of this subchapter:  (i) Any policy with a policy period or term of less than six (6) months shall be considered as if written for a policy period or term of six (6) months; and  (ii) Any policy written for a term longer than one (1) year or any policy with no fixed expiration date shall be considered as if written for successive policy periods or terms of one (1) year, and the policy may be terminated at the expiration of any annual period upon giving twenty (20) days' notice of cancellation prior to the anniversary date. This cancellation shall not be subject to any other provisions of this subchapter.    (C) This section does not repeal or supersede any requirements of the Insurance Holding Company Regulatory Act, § 23-63-501 et seq., including without limitation the provisions of § 23-63-515 that are applicable to material transactions between an insurer and an insurer's affiliates.
AR Code § 23-89-302 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 89 - Casualty Insurance|Subchapter 3 - Automobile Liability Insurance — Cancellation and Nonrenewal|§ 23-89-302. Consideration of railroad accident prohibited

 No automobile insurer shall use a railroad accident occurring while the insured engineer, conductor, fireman, or brakeman was performing his or her duties as an engineer, conductor, fireman, or brakeman of a railroad in determining the rates or cancelling the automobile liability coverage, the automobile collision coverage, or the automobile physical damage coverage of the insured engineer, conductor, fireman, or brakeman, as those types of coverage are defined in § 23-89-301, where the insurance covers and protects the insured and any motor vehicle registered or principally garaged in this state.
AR Code § 23-89-303 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 89 - Casualty Insurance|Subchapter 3 - Automobile Liability Insurance — Cancellation and Nonrenewal|§ 23-89-303. Grounds for cancellation

 (a) A notice of cancellation of a policy shall be effective only if it is based on one (1) or more of the following reasons:  (1) Nonpayment of premium;  (2) The named insured or any driver of the insured vehicle shall be convicted of:  (A) Driving while intoxicated;  (B) Homicide or assault arising out of the use of a motor vehicle; or  (C) Three (3) separate convictions of speeding or reckless driving, or any combination of the two (2) during the policy period, including three (3) months prior to the effective date of the policy;    (3) The driver's license or motor vehicle registration of the named insured or of any other operator who either resides in the same household or customarily operates an automobile insured under this policy has been under suspension or revocation during the policy period or, if the policy is a renewal, during its policy period or the one hundred eighty (180) days immediately preceding its effective date;  (4) Fraud or misrepresentation of a material fact, the knowledge of which would have caused the insurer to decline to issue a policy; or  (5) Nonpayment of membership dues when they are a requirement in the bylaws, agreements, or other legal instruments of a company before issuance and maintenance of a policy under this subchapter.    (b) This section shall not apply to any policy or coverage which has been in effect less than sixty (60) days at the time notice of cancellation is mailed or delivered by the insurer, unless it is a renewal policy.  (c) This section shall not apply to nonrenewal.  (d)  (1) However, an insurer shall not be able to rescind bodily injury or property damage liability coverage under an insurance policy for fraud or misrepresentation with respect to any injury to a third party when suffered as a result of the insured's negligent operation of a motor vehicle.  (2) Nothing in this subsection is intended to negate an insurer's right to rescind other coverages in the insurance policy purchased by the insured.
AR Code § 23-89-304 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 89 - Casualty Insurance|Subchapter 3 - Automobile Liability Insurance — Cancellation and Nonrenewal|§ 23-89-304. Time for notice of cancellation

 (a)  (1) No notice of cancellation of a policy to which § 23-89-303 applies and no notice of cancellation of a policy which has been in effect less than sixty (60) days at the time notice of cancellation is mailed or delivered shall be effective unless mailed or delivered by the insurer to the named insured.  (2) No notice of cancellation to any named insured shall be effective unless mailed or delivered at least twenty (20) days prior to the effective date of cancellation, provided that when cancellation is for nonpayment of premium, at least ten (10) days' notice of cancellation accompanied by the reason therefor shall be given.    (b) No notice of cancellation to any person or entity shown on the policy and having a lien on the insured's automobile shall be effective unless mailed or delivered by the insurer:  (1) To the person or entity; and  (2)  (A) At least twenty (20) days prior to the termination of the insurance protecting the interest of the person or entity.  (B) However, when cancellation is for nonpayment of premium, at least ten (10) days' notice of cancellation accompanied by the reason for the cancellation shall be given.      (c) Failure to properly notify a named insured or failure to properly notify a person or entity shown on the policy and having a lien on the insured's automobile shall have no effect on a party properly notified.  (d) This section shall not apply to nonrenewals.
AR Code § 23-89-305 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 89 - Casualty Insurance|Subchapter 3 - Automobile Liability Insurance — Cancellation and Nonrenewal|§ 23-89-305. Notice required before renewal or nonrenewal — Inapplicability to commercial policies

 (a)  (1) Except as provided in subsection (e) of this section, the insurer shall give either a written notice of nonrenewal or an offer of renewal at least thirty (30) days before the expiration of the policy's existing term.  (2)  (A) The insurer shall send the insured a written notice and the insurance producer written or electronic notice of the offer of renewal under subdivision (a)(1) of this section.  (B) The notice required under subdivision (a)(2)(A) of this section shall:  (i) State the new premium for the renewal policy; and  (ii) Provide a description of any change in deductible or policy provisions in the renewal policy.        (b)  (1) This section does not apply in case of nonpayment of premium.  (2) However, notwithstanding the failure of an insurer to comply with this section, the policy shall terminate on the effective date of any other insurance policy with respect to any automobile designated in both policies.    (c) Unless a statement of the grounds for nonrenewal accompanies or is included in the notice of nonrenewal, the notice of nonrenewal shall state or be accompanied by a statement that the insurer shall specify the grounds for the nonrenewal upon written request of the named insured if the request is mailed or delivered to the insurer not less than fifteen (15) days before the effective date of the nonrenewal.  (d) Renewal of a policy does not constitute a waiver or estoppel with respect to grounds for cancellation that existed before the effective date of the renewal.  (e) This section does not apply to the sixty-day notice requirement for the renewal or nonrenewal of a commercial policy governed by § 23-79-307(7).
AR Code § 23-89-306 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 89 - Casualty Insurance|Subchapter 3 - Automobile Liability Insurance — Cancellation and Nonrenewal|§ 23-89-306. Proof of mailing of notices

 Proof of mailing of notice of cancellation, or of intention not to renew, or of grounds for cancellation to the named insured at the address shown in the policy shall be sufficient proof of notice.
AR Code § 23-89-307 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 89 - Casualty Insurance|Subchapter 3 - Automobile Liability Insurance — Cancellation and Nonrenewal|§ 23-89-307. Eligibility for automobile liability assigned risk plan

 (a) When a policy of automobile liability insurance is cancelled, other than for nonpayment of premium, or in the event of failure to renew a policy of automobile liability insurance to which § 23-89-305 applies, the insurer shall notify the named insured of his or her possible eligibility for automobile liability insurance through the automobile liability assigned risk plan.  (b) The notice shall accompany or be included in the notice of cancellation or the notice of intent not to renew.
AR Code § 23-89-308 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 89 - Casualty Insurance|Subchapter 3 - Automobile Liability Insurance — Cancellation and Nonrenewal|§ 23-89-308. Nonliability of commissioner and insurer

 There shall be no liability on the part of and no cause of action of any nature shall arise against the Insurance Commissioner or against any insurer, its authorized representative, its agents, its employees, or any firm, person, or corporation furnishing to the insurer information as to the grounds for cancellation or nonrenewal, for any statement made by any of them in any written notice of cancellation or nonrenewal, or in any other communication, oral or written, specifying the grounds for cancellation or nonrenewal, or the providing of information pertaining thereto, or for statements made or evidence submitted at any hearings conducted in connection therewith.
AR Code § 23-89-401 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 89 - Casualty Insurance|Subchapter 4 - Uninsured Motorist Coverage|§ 23-89-401. Definition

 For the purposes of automobile liability insurance, covering liability arising out of the ownership, maintenance, or use of any motor vehicle registered or principally garaged in this state, unless the context otherwise requires, “uninsured motor vehicle” shall be deemed to include, subject to the terms and conditions of the coverage, an insured motor vehicle when the liability insurer thereof is unable to make payment with respect to the legal liability of its insured with the limits specified therein because of insolvency.
AR Code § 23-89-402 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 89 - Casualty Insurance|Subchapter 4 - Uninsured Motorist Coverage|§ 23-89-402. Applicability of insurer's insolvency protection

 (a) An insurer's insolvency protection shall be applicable only to accidents occurring during a policy period in which its insured's uninsured motorist coverage is in effect when the liability insurer of the tortfeasor becomes insolvent within one (1) year after an accident.  (b) Nothing in this section shall be construed to prevent any insurer from affording insolvency protection under terms and conditions more favorable to its insureds than is provided in this subchapter.
AR Code § 23-89-403 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 89 - Casualty Insurance|Subchapter 4 - Uninsured Motorist Coverage|§ 23-89-403. Bodily injury coverage required

 (a)  (1) No automobile liability insurance covering liability arising out of the ownership, maintenance, or use of any motor vehicle shall be delivered or issued for delivery in this state with respect to any motor vehicle registered or principally garaged in this state unless coverage is provided therein or supplemental thereto and is not less than limits described in § 27-19-605, under provisions filed with and approved by the Insurance Commissioner, for the protection of persons insured thereunder who are legally entitled to recover damages from owners or operators of uninsured motor vehicles because of bodily injury, sickness, or disease, including death, resulting therefrom.  (2) However, the coverage required to be provided under this section shall not be applicable when any insured named in the policy has rejected the coverage in writing, and this rejection shall continue until withdrawn in writing by the insured.  (3)  (A) Should a named insured or applicant purchase third-party liability coverage in greater limits than the minimum provided in § 27-19-605, the insurer shall have available and the agent shall offer a named insured or applicant coverage required under this section in limits up to his or her third-party liability limits.  (B) No insurer shall be required to offer, provide, or make available coverage conforming to this section in connection with an excess policy, umbrella policy, or any other policy which does not provide primary motor vehicle insurance for liabilities arising out of the ownership, maintenance, or use of a specifically identified motor vehicle.  (C)  (i) An insured or applicant not desiring to purchase higher limits shall reject the increased limits in writing on the application for insurance coverage, although agents must offer the increased limits to all new applicants for insurance on and after the passage of this act.  (ii) The requirement for written rejection shall be applicable to new business written on and after January 1, 2000.  (iii) For an existing business, insurers shall provide at the next two (2) renewals after the passage of this act notice that such increased limits are available.    (D) When an existing-named insured has coverage under this section less than the insured's third-party liability limits, that coverage shall not change on July 30, 1999, unless a named insured requests in writing to purchase the higher limits.      (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 § 23-89-404 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 89 - Casualty Insurance|Subchapter 4 - Uninsured Motorist Coverage|§ 23-89-404. Uninsured motorist property damage coverage

 (a) Every insured purchasing uninsured motorist bodily injury coverage shall be provided an opportunity to include uninsured motorist property damage coverage, subject to provisions filed with and approved by the Insurance Commissioner, applicable to losses in excess of two hundred dollars ($200). However, the deductible of two hundred dollars ($200) shall not apply if:  (1) The vehicle involved in the accident is insured by the same insurer for both collision and uninsured motorist property damage coverage; and  (2) The operator of the other vehicle has been positively identified and is solely at fault.    (b) No insurer shall be required to offer limits of uninsured motorist property damage coverage greater in amount than the property damage liability limits purchased by the insured.  (c)  (1) After the uninsured motorist property damage coverage has been made available to an insured one (1) time and has been rejected in writing, it need not again be made available in any continuation, renewal, reinstatement, or replacement of the policy or the transfer of vehicles insured under the policy, unless the insured makes a written request for the coverage.  (2) However, whenever a new application is submitted in connection with any renewal, reinstatement, or replacement transaction, the provisions of this section shall apply in the same manner as when a new policy is being issued.    (d) As used in this section, “property damage” means damage to the insured vehicle, plus a reasonable allowance for loss of use of the vehicle.
AR Code § 23-89-405 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 89 - Casualty Insurance|Subchapter 4 - Uninsured Motorist Coverage|§ 23-89-405. Subrogation of insurer making payment

 In the event of payment to any person under the coverage required by this subchapter and subject to the terms and conditions of the coverage, the insurer making the payment shall, to the extent thereof, be entitled to the proceeds of any settlement or judgment resulting from the exercise of any rights of recovery of the person against any person or organization legally responsible for the bodily injury for which the payment is made, including the proceeds recoverable from the assets of the insolvent insurer.
AR Code § 23-89-501 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 89 - Casualty Insurance|Subchapter 5 - Amusement Ride and Amusement Attraction Safety Insurance Act|§ 23-89-501. Title

 This subchapter shall be known and may be cited as the “Amusement Ride and Amusement Attraction Safety Insurance Act”.