reglab/housing_qa huggingface dataset:
HI Rev Stat § 431:9N-103 (2021)
2021 Hawaii Revised Statutes|Title 24. Insurance|431. Insurance Code|431:9N-103 Fiduciary responsibilities.

 §431:9N-103 Fiduciary responsibilities.  (a) In addition to the requirements of section 431:9A-123.5, bail agents shall have the responsibilities of a trustee for all premium, return premium funds, and collateral or security received or collected under this article.  (b) All premiums received, less commissions if authorized, shall be remitted to the insurer on or before the contractual due date or, if there is no contractual due date, within forty-five days after receipt.  (c) All returned premiums received from or credited by insurers to the account of the bail agent shall be remitted to or credited to the account of the person entitled thereto within thirty days after the receipt or credit.  (d) An insurer having knowledge that a bail agent has failed to account for any collected premium to the insurer more than forty-five days after the contractual due date or, if there is no contractual due date, more than ninety days after receipt, shall promptly report the failure to the commissioner in writing.  (e) Every insurer shall remit unearned premium funds to the person entitled thereto or shall otherwise credit the account of the bail agent as soon as is practicable after entitlement to the premium funds has been established, but in no event more than forty-five days after the effective date of any cancellation or termination effected by the insurer or after the date of entitlement thereto, as established by notification of cancellation or of termination or as otherwise established. A bail agent having knowledge of a failure on the part of any insurer to comply with this subsection shall promptly report the failure to the commissioner in writing.  (f) No bail agent shall commingle premiums belonging to insurers and return premiums received or held by the bail agent or persons entitled to such funds with the bail agent's personal funds or with any other funds except those directly connected with the bail agent's bail business. [L 2008, c 134, pt of §1]
HI Rev Stat § 431:9N-104 (2021)
2021 Hawaii Revised Statutes|Title 24. Insurance|431. Insurance Code|431:9N-104 Bail agent not to act as attorney.

 §431:9N-104 Bail agent not to act as attorney.  A bail agent who is also an attorney shall not represent a person to whom the attorney has furnished bail for compensation in any proceeding for which the attorney has furnished bail. The commissioner may place on probation, suspend, revoke, or refuse to renew a bail agent's license and may levy a civil fine or penalty in accordance with articles 2 and 9A, or any combination of these actions, for violation of this section. [L 2008, c 134, pt of §1]
HI Rev Stat § 431:10-101 (2021)
2021 Hawaii Revised Statutes|Title 24. Insurance|431. Insurance Code|431:10-101 Scope; effective dates.

  §431:10-101 Scope; effective dates. This part shall apply to all contracts filed after June 30, 1983. No contract shall be delivered or issued for delivery in this State after June 30, 1984, unless the contract meets the requirements of this part or has been approved by the commissioner. Any contract approved or permitted to be issued prior to July 1, 1984, is exempt from refiling for approval and may continue to be lawfully delivered or issued for delivery in this State provided a list of such contracts identified by contract number and accompanied by a signed certificate in the manner prescribed by section 431:10-107 is filed with the commissioner. [L 1987, c 347, pt of §2]
HI Rev Stat § 431:10-102 (2021)
2021 Hawaii Revised Statutes|Title 24. Insurance|431. Insurance Code|431:10-102 Definitions.

  §431:10-102 Definitions. As used in this part:  "Contract" means any policy of life, accident and health or sickness, credit life, credit disability, homeowners, and motor vehicle insurance covering personally owned or personally leased private passenger motor vehicles prepared for delivery by an insurer.  "Flesch reading ease test" means the test set forth in section 431:10-106.  "Insurer" means any company, corporation, exchange, society, or association organized on the stock, mutual, assessment, or fraternal plan of insurance and authorized under the insurance laws of this State to issue life, disability, credit life, credit disability, homeowners, and motor vehicle insurance, including but not limited to fraternal benefit societies, nonprofit health service corporations, nonprofit hospital service corporations, health maintenance organizations, and mutual benefit societies.  "Text" includes all printed material in the contract except:  (1) The insurer's name and address;  (2) The name, number, or title of the contract;  (3) The table of contents or index;  (4) Any captions or subcaptions;  (5) Any specification pages, schedules, or tables;  (6) Any language required by federal law, regulation, or agency interpretation or any written certification to exclude such language;  (7) Any language required by any collective bargaining agreement;  (8) Any medical terminology; and  (9) Any definitions. [L 1987, c 347, pt of §2; am L 1997, c 251, §11; am L 2015, c 63, §7]
HI Rev Stat § 431:10-103 (2021)
2021 Hawaii Revised Statutes|Title 24. Insurance|431. Insurance Code|431:10-103 Exemptions of certain contracts.

  §431:10-103 Exemptions of certain contracts. The provisions of this part shall not apply to:  (1) Any contract which is a security subject to federal jurisdiction;  (2) Any group contract covering a group of one thousand or more lives at date of issue, other than a group credit life or credit disability contract, except that any individual certificate issued under a group contract delivered or issued for delivery in this State shall not be exempt;  (3) Any group annuity contract which funds a pension, profit sharing, or deferred compensation plan;  (4) Any form used in connection with, as a conversion from, as an addition to, or in exchange under a contractual provision for a contract delivered or issued for delivery on a form approved or permitted to be issued prior to July 1, 1984; or  (5) The renewal of a contract delivered or issued for delivery prior to July 1, 1984. [L 1987, c 347, pt of §2]
HI Rev Stat § 431:10-104 (2021)
2021 Hawaii Revised Statutes|Title 24. Insurance|431. Insurance Code|431:10-104 General readability requirements.

  §431:10-104 General readability requirements. In addition to any other requirements of law, no contract shall be delivered or issued for delivery in this State unless:  (1) The text is in plain language and achieves a minimum score of forty on the Flesch reading ease test or an equivalent score on any other comparable test prescribed by the commissioner under section 431:10-105(a);  (2) The contract is printed, except for specification pages, schedules, and tables, in not less than ten-point type;  (3) The style, arrangement, and general appearance of the contract give no undue prominence to any endorsements, riders, or other portions of the text; and  (4) A table of contents or an index of principal sections is provided with the contract when the text consists of more than three thousand words printed on three or less pages or when the text has more than three pages, regardless of the total number of printed words. [L 1987, c 347, pt of §2; am L 2016, c 141, §5; am L 2019, c 70, §14]
HI Rev Stat § 431:10-105 (2021)
2021 Hawaii Revised Statutes|Title 24. Insurance|431. Insurance Code|431:10-105 Required reading test; authorization and availability.

  §431:10-105 Required reading test; authorization and availability. (a) Every insurer shall use the Flesch reading ease test to determine the readability of any contract. Whenever the commissioner determines that the Flesch reading ease test is inappropriate for the purposes of determining readability, the commissioner shall prescribe an alternative test comparable in result to the Flesch reading ease test to be used by the insurer.  (b) The commissioner shall provide each insurer with a copy of the Flesch reading ease test. Whenever an alternative test is prescribed, the commissioner shall provide a copy of the test to each insurer, accompanied by a set of instructions explaining the manner in which such test shall be conducted. [L 1987, c 347, pt of §2]
HI Rev Stat § 431:10-106 (2021)
2021 Hawaii Revised Statutes|Title 24. Insurance|431. Insurance Code|431:10-106 Flesch reading ease test; procedures.

  §431:10-106 Flesch reading ease test; procedures. (a) Whenever the Flesch reading ease test is used, its reading score shall be computed as follows:  (1) The number of words and sentences in the text shall be counted and the total number of words divided by the total number of sentences; and  (2) The resulting figure shall be multiplied by a factor of 1.015; then  (3) The total number of syllables shall be counted and then divided by the total number of words; and  (4) The resulting figure shall be multiplied by a factor of 84.6; then  (5) The figures computed in items (2) and (4) shall be added together and the resulting sum subtracted from 206.835 to yield the Flesch reading ease score.  (b) For the purposes of subsection (a), the following procedures shall be used:  (1) Each contract consisting of ten thousand words or less shall be analyzed in its entirety by the method prescribed in subsection (a);  (2) Each contract consisting of more than ten thousand words may be analyzed by applying the method prescribed in subsection (a) to two, two hundred word samples separated by a minimum of ten printed lines on each page of the contract;  (3) All riders, endorsements, applications, and other forms may be scored with the contract or scored as separate forms;  (4) Numbers and letters, when separated by spaces, a contraction, or a hyphenated word shall be counted as one word;  (5) A unit of words ending with a period, semicolon, or colon, excluding headings and captions, shall be counted as one sentence; and  (6) Whenever an accepted dictionary indicates that a word has two or more acceptable pronunciations, the pronunciation having the fewer number of syllables may be used. Syllable, as used in this paragraph, means a unit of spoken language consisting of one or more letters of a word as divided by an accepted dictionary. [L 1987, c 347, pt of §2]
HI Rev Stat § 431:10-107 (2021)
2021 Hawaii Revised Statutes|Title 24. Insurance|431. Insurance Code|431:10-107 Filing of certificate.

  §431:10-107 Filing of certificate. (a) Every insurer shall file with the commissioner a certificate signed by an officer of the insurer stating that the contract meets the minimum Flesch reading ease score required in section 431:10-104(1).  (b) Whenever the score is lower than the minimum allowed under section 431:10-104(1), the insurer shall file the certificate indicating the lower score and requesting the contract be approved under section 431:10-108. The insurer shall file with the certificate a copy of the contract and additional information necessary to support its request. Each filing requesting an approval pursuant to section 431:10-108 shall be accompanied by a $20 fee payable to the commissioner, which fee shall be deposited in the commissioner's education and training fund.  (c) In determining the accuracy of any certificate, the commissioner may require the insurer to submit a copy of the contract and any additional information. [L 1987, c 347, pt of §2; am L 1989, c 207, §10] Cross References  Commissioner's education and training fund, see §431:2-214.
HI Rev Stat § 431:10-108 (2021)
2021 Hawaii Revised Statutes|Title 24. Insurance|431. Insurance Code|431:10-108 Flesch reading ease score; lower score authorized; when.

  §431:10-108 Flesch reading ease score; lower score authorized; when. The commissioner may authorize a score lower than the minimum Flesch reading ease score required in section 431:10-104(1) when the commissioner determines that the lower score:  (1) Will provide a more accurate indication of the readability of the contract;  (2) Is warranted by the nature of a particular contract form, type or class of contract forms; or  (3) Is the result of any language required by state law, regulation or agency interpretation. [L 1987, c 347, pt of §2]
HI Rev Stat § 431:10-109 (2021)
2021 Hawaii Revised Statutes|Title 24. Insurance|431. Insurance Code|431:10-109 Disclosure of health care coverage and benefits.

  §431:10-109 Disclosure of health care coverage and benefits. In order to ensure that all individuals understand their health care options and are able to make informed decisions, all insurers shall provide current and prospective insureds with written disclosure of coverages and benefits, including information on coverage principles and any exclusions or restrictions on coverage.  The information provided shall be current, understandable, and available prior to the issuance of a policy, and upon request after the policy has been issued. [L 1996, c 274, §1]
HI Rev Stat § 431:10-201 (2021)
2021 Hawaii Revised Statutes|Title 24. Insurance|431. Insurance Code|431:10-201 Scope.

  §431:10-201 Scope. The provisions of this part shall apply to all classes or lines of insurance except:  (1) Ocean marine insurance as defined in section 431:1-211,  (2) Surplus line insurance, as defined in section [431:8-102], and  (3) Life insurance, or accident and health or sickness insurance; provided the contracts are neither issued for delivery in this State nor delivered in this State. [L 1987, c 347, pt of §2; am L 2002, c 155, §38]
HI Rev Stat § 431:10-202 (2021)
2021 Hawaii Revised Statutes|Title 24. Insurance|431. Insurance Code|431:10-202 Definitions.

  §431:10-202 Definitions. For purposes of this part:  "Insurable interest" includes only interests as follows:  (1) In the case of individuals related closely by blood or by law, a substantial interest engendered by love and affection.  (2) In the case of other persons, a lawful and substantial economic interest in having the life, health, or bodily safety of the individual insured continue, as distinguished from an interest which would arise only by, or would be enhanced in value by, the death, disablement, or injury of the individual insured.  (3) An individual party to a contract or option for the purchase or sale of an interest in a business partnership or firm, or of shares of stock of a close corporation or of an interest in such shares, has an insurable interest in the life of each individual party to the contract and for the purposes of the contract only, in addition to any insurable interest which may otherwise exist as to the life of the individual.  (4) A charitable organization as defined in section 467B-1 has an insurable interest in the life of each proposed insured who joins with said organization in applying for a life insurance policy naming said organization as owner and irrevocable beneficiary.  "Policy" means the written instrument in which a contract of insurance and any endorsement or addendum thereto is set forth. [L 1987, c 347, pt of §2; am L 1988, c 49, §1; am L 2005, c 22, §25]
HI Rev Stat § 431:10-203 (2021)
2021 Hawaii Revised Statutes|Title 24. Insurance|431. Insurance Code|431:10-203 Power to contract.

  §431:10-203 Power to contract. (a) Any person of competent legal capacity may contract for insurance.  (b) A minor of the age of fifteen years or more, as determined by the nearest birthday, shall be deemed to be competent to:  (1) Contract for any form of life insurance or accident and health or sickness insurance on the minor's own life or body, for the minor's own benefit or for the benefit of the minor's father, mother, spouse, child, brother, sister, or grandparent;  (2) Surrender, make loans upon, or assign any insurance issued at any time upon the minor's life or body, subject to the provisions of the policy;  (3) Give a valid discharge for any benefit accruing or for any money payable under the contract; and  (4) Exercise any of the rights or privileges reserved to the insured in and by any such policy of insurance; except that such minor, not otherwise emancipated, shall not be bound by any unperformed agreement to pay, by a promissory note or otherwise, any premium on any such insurance contract.  (c) Where any form of life insurance or accident and health or sickness insurance is issued at any time upon the life or body of a minor, unless the policy shall otherwise provide, or unless all of the premiums on the policy are paid by the minor, then until the minor has reached the age of eighteen years, either or both parents of the minor, or in the event of the death of one parent or the divorce of the parents and the custody of the minor being awarded to one parent, then the surviving parent or the custodial parent of the minor shall be authorized to:  (1) Surrender, make loans upon, or assign such insurance;  (2) Give a valid discharge for any benefit accruing or for money payable under the contract; and  (3) Exercise any of the rights or privileges reserved to the insured in and by any such policy of insurance without the order or intervention of any court, or the appointment of a legal guardian.  No insurer shall have any responsibility for or be required to see to the application of the proceeds paid in accordance with this section.  (d) The ownership of or property interest of the insured in any policy of life insurance issued on the life of any minor shall be deemed to be in the minor and shall continue in the minor except if:  (1) The policy shall have lapsed or shall have been surrendered, assigned, or otherwise acted upon in accordance with the provisions of this section while the minor is under the age of eighteen years;  (2) After the insured shall have reached the age of eighteen years, the policy shall have lapsed or shall have been surrendered, assigned, or otherwise acted upon by the insured; or  (3) At the time of issuance, the policy of insurance shall provide otherwise. [L 1987, c 347, pt of §2; am L 2002, c 155, §39]
HI Rev Stat § 431:10-204 (2021)
2021 Hawaii Revised Statutes|Title 24. Insurance|431. Insurance Code|431:10-204 Insurable interest required; personal insurances.

  §431:10-204 Insurable interest required; personal insurances. (a) Any individual of competent legal capacity may procure or effect an insurance contract upon the individual's own life or body for the benefit of any person.  (b) No person shall procure or cause to be procured any insurance contract upon the life or body of another individual unless the benefits under the contract are payable to the individual insured or the insured's personal representatives, or to a person having, at the time the contract was made, an insurable interest in the individual insured.  (c) If the beneficiary, assignee or other payee under any contract made in violation of this section receives from the insurer any benefits under the contract accruing upon the death, disablement or injury of the individual insured, the individual insured or the insured's personal representative may maintain an action to recover the benefits from the person so receiving them. [L 1987, c 347, pt of §2]
HI Rev Stat § 431:10-205 (2021)
2021 Hawaii Revised Statutes|Title 24. Insurance|431. Insurance Code|431:10-205 Interest of the insured.

  §431:10-205 Interest of the insured. When the name of a person intended to be insured is specified in the policy, the insurance can be applied only to the person's own proper interest. This section shall not apply to life insurance or accident and health or sickness insurance. [L 1987, c 347, pt of §2; am L 2002, c 155, §40]
HI Rev Stat § 431:10-206 (2021)
2021 Hawaii Revised Statutes|Title 24. Insurance|431. Insurance Code|431:10-206 Application for insurance: consent of insured required.

  §431:10-206 Application for insurance: consent of insured required. No life insurance or accident and health or sickness insurance contract upon an individual shall be made or effectuated unless at the time of the making of the contract the individual insured, being of competent legal capacity to contract, applies for or consents to the insurance in writing, except in the following cases:  (1) A spouse may effectuate such insurance upon the other spouse.  (2) Any person having an insurable interest in the life of a minor, or any person upon whom a minor is dependent for support and maintenance, may effectuate insurance upon the life of or pertaining to the minor. This section shall not apply to contracts of group life insurance or of group or blanket disability insurance as defined in this code. [L 1987, c 347, pt of §2; am L 2002, c 155, §41]
HI Rev Stat § 431:10-207 (2021)
2021 Hawaii Revised Statutes|Title 24. Insurance|431. Insurance Code|431:10-207 Alteration of application.

  §431:10-207 Alteration of application. (a) Any written application for insurance which is attached to and made a part of the insurance contract shall be altered solely by the applicant or with the applicant's written consent, except that insertions may be made by the insurer for administrative purposes in such manner as to indicate clearly that the insertions are not to be ascribed to the applicant.  (b) No person shall falsify or cause to be falsified any answer to a question set forth in an insurance application. Except as provided in subsection (a), no person shall insert or cause to be inserted in the application any statement other than the statement made by the applicant.  (c) Any insurer issuing an insurance contract upon an application which has been unlawfully altered by its officer, employee, producer, or agent shall not have available, in any action arising out of the contract, any defense which is based upon the fact of such alteration, or as to any item in the application which was so altered. [L 1987, c 347, pt of §2; am L 2002, c 155, §42]
HI Rev Stat § 431:10-208 (2021)
2021 Hawaii Revised Statutes|Title 24. Insurance|431. Insurance Code|431:10-208 Limitations on use of application as evidence.

  §431:10-208 Limitations on use of application as evidence. (a) No application for the issuance of any life insurance contract shall be admissible in evidence in any action relative to such contract, unless a true copy of the application was attached to or made a part of the policy when issued and delivered. A copy or reproduction of the application or medical examination, if any, may be used if clearly legible. This subsection shall not apply to contracts of industrial life insurance.  (b) If any policy of life insurance or accident and health or sickness insurance delivered in this State is reinstated or renewed, and the insured or the beneficiary or assignee of the policy makes written request to the insurer for a copy of the application for reinstatement or renewal, within thirty days of receipt of such request at any of its offices, the insurer shall deliver or mail a copy of the application to the person making the request. If the copy is not so delivered or mailed, the insurer shall be precluded from introducing the application as evidence in any action or proceeding based upon or involving the policy or its reinstatement or renewal.  (c) No application for insurance signed by the insurer shall be admissible in evidence in any action between the insured and the insurer arising out of the policy applied for, if the insurer fails to furnish the insured a copy of the application, reproduced by any legible means, within thirty days after receipt by the insurer of insured's written demand for a copy. This subsection also applies in instances when the application is signed on behalf of the insured and the reproduction request is made on behalf of the insured. This subsection shall not apply to life insurance contracts. [L 1987, c 347, pt of §2; am L 2002, c 155, §43]