reglab/housing_qa huggingface dataset:
AK Stat § 21.36.270 (2021)
2021 Alaska Statutes|Title 21. Insurance|Chapter 36. Trade Practices and Frauds|Article 2. Cancellations and Renewals.|Sec. 21.36.270. Effect of failure to comply.

Notwithstanding the failure of an insurer to comply with AS 21.36.210 - 21.36.310, termination of coverage under the policy either by cancellation or nonrenewal is effective on the effective date of any other policy providing similar coverage on the same risk or motor vehicle or a replacement of it.
AK Stat § 21.36.280 (2021)
2021 Alaska Statutes|Title 21. Insurance|Chapter 36. Trade Practices and Frauds|Article 2. Cancellations and Renewals.|Sec. 21.36.280. Immunity of insurer, director, and informer.

There is no liability on the part of, and a cause of action of any nature may not arise against, the director of insurance or against an insurer, its authorized representatives, agents, or employees, or a person furnishing to the insurer information as to reasons for cancellation, for any statement made by any of them in a written notice of cancellation, or in any other communication, oral or written, specifying the reasons for cancellation, or the providing of information pertaining to a cancellation or for statements made or evidence submitted at a hearing conducted in connection with a cancellation. However, this immunity from liability does not apply when the information furnished or statement made is untrue and the person furnishing the information or making the statement knew of the lack of truth or was grossly negligent in ascertaining the truth.
AK Stat § 21.36.290 (2021)
2021 Alaska Statutes|Title 21. Insurance|Chapter 36. Trade Practices and Frauds|Article 2. Cancellations and Renewals.|Sec. 21.36.290. Policy period.

(a) A policy with a policy period or term longer than one year or a policy with no fixed expiration date shall be considered to be written for successive policy periods or terms of one year, and termination by an insurer effective on an anniversary date of the policy shall be considered a failure to renew. (b) The rate for a personal automobile insurance policy may not be changed more frequently than once every six months.
AK Stat § 21.36.305 (2021)
2021 Alaska Statutes|Title 21. Insurance|Chapter 36. Trade Practices and Frauds|Article 2. Cancellations and Renewals.|Sec. 21.36.305. Premium increases on personal automobile insurance policies.

(a) An insurer may not increase the premium on a personal automobile insurance policy unless the increase applies to all insureds of the same class. (b) An insurer may not increase the premium or add a surcharge to a personal automobile insurance policy because of the issuance of a citation for a moving traffic violation unless the insured or another person who resides in the insured's household and is covered by the policy has been convicted of the violation or has entered a plea of no contest to the violation. (c) The director shall adopt regulations to determine circumstances under which an insurer may increase the premium or add a surcharge to a personal automobile insurance policy. (d) An insurer that increases the premium or adds a surcharge to a personal automobile insurance policy may only make the increase or surcharge effective on the renewal date of the policy. (e) An insurer that increases the premium or adds a surcharge to a personal automobile insurance policy shall give written notice of the increase or surcharge at least 20 days before it takes effect, stating the reason for the change and the right of appeal under AS 21.39.090. This subsection does not apply to (1) premium increase resulting from a change requested by an insured, if the insured is notified at the time the request is made that the amount of the insured's premium will change as a result of the requested policy change; or (2) rate approved by the director if the insurer gives written notice of a premium increase to the insured at least 20 days before the renewal date of the affected policy.
AK Stat § 21.36.307 (2021)
2021 Alaska Statutes|Title 21. Insurance|Chapter 36. Trade Practices and Frauds|Article 2. Cancellations and Renewals.|Sec. 21.36.307. Effect of overweight vehicle offenses on personal automobile insurance.

(a) An insurer may not take adverse action relating to the personal automobile insurance of a driver who commits one or more violations related to an overweight vehicle under AS 45.75.380(a)(10) or (11). (b) In this section, “adverse action” means the cancellation, refusal to insure, denial or failure to renew, increase in premiums, placement with an affiliate that charges higher premiums or offers less favorable policy terms, or any other action that increases the cost or decreases the extent of coverage or availability of personal automobile insurance to the driver.
AK Stat § 21.36.310 (2021)
2021 Alaska Statutes|Title 21. Insurance|Chapter 36. Trade Practices and Frauds|Article 2. Cancellations and Renewals.|Sec. 21.36.310. Definitions.

In AS 21.36.210 - 21.36.310, (1) “business or commercial insurance” means insurance other than personal insurance, reinsurance, life insurance, health insurance, fidelity and surety insurance, title insurance, or an annuity contract; (2) “nonpayment of premium” means failure of the named insured to discharge when due any obligations of the named insured in connection with the payment of premium 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; (3) “personal automobile insurance” means insurance not related to business or commercial activities, covering automobile liability, uninsured or underinsured motorists, automobile medical payments, or automobile physical damage, that is delivered or issued for delivery in this state, and under which the insured vehicles are of the following types only: (A) a motor vehicle of the private passenger or station wagon type that is not used as a public or livery conveyance, nor rented to others; or (B) any other four-wheel motor vehicle with a load capacity of 1,500 pounds or less that is not used in the occupation, profession, or business of the insured, nor used as a public or livery conveyance, nor rented to others; (4) “personal insurance” has the meaning given in AS 21.36.460(i); (5) “renewal” or “renew” means (A) the issuance and delivery of an insurance policy at the end of the policy period, that replaces a policy previously issued and delivered by the same insurer; (B) the issuance and delivery of a certificate or notice extending the term of a policy beyond its policy period or term; or (C) the extension of the term of a policy beyond its policy period or term under a provision for extending the policy by payment of a continuation premium.
AK Stat § 21.36.317 (2021)
2021 Alaska Statutes|Title 21. Insurance|Chapter 36. Trade Practices and Frauds|Article 3. Financial Institutions; Loans; Credit.|Sec. 21.36.317. Licensing of persons in a financial institution.

A financial institution may not allow a person to transact insurance in an office of the institution or on behalf of the institution, unless the person is licensed as required under AS 21.27.
AK Stat § 21.36.319 (2021)
2021 Alaska Statutes|Title 21. Insurance|Chapter 36. Trade Practices and Frauds|Article 3. Financial Institutions; Loans; Credit.|Sec. 21.36.319. Anticoercion and antitying.

(a) A person may not (1) require, as a condition to the lending of money or extension of credit, or a renewal of the loan or extension of credit, that the obligee of the money or credit negotiate a policy or contract of insurance through any particular person or group of persons; (2) disapprove the insurance policy provided by a borrower for the protection of property securing credit or a loan if disapproval is based on other than reasonable standards uniformly applied and relating to the extent of coverage required and the financial soundness and the services of the insurer; the standards may not discriminate against a particular type of insurer or call for the disapproval of a policy containing coverage in addition to that required; (3) unless charges are required when the person handling the insurance transaction is a licensee, require a consumer, insurer, broker, or agent to pay a separate charge for handling an insurance policy required as security for a loan on real property, or to pay a separate charge to substitute the insurance policy of one insurer for that of another, except that interest may be charged on premium loans or premium advancements in accordance with the security instrument. (b) A person shall (1) use separate documents for an insurance transaction, other than credit insurance or flood insurance, and for a credit transaction; and (2) maintain separate and distinct records relating to insurance transactions, including consumer complaint information, and make the records available to the director for inspection upon notice. (c) A person may not include insurance premiums in a primary credit transaction without the consent of the consumer. (d) Nothing in this section prohibits a person from informing a consumer or prospective consumer that insurance is required in order to obtain a loan or credit, that loan or credit approval is contingent on the procurement of acceptable insurance by the consumer, or that insurance is available from the person.
AK Stat § 21.36.321 (2021)
2021 Alaska Statutes|Title 21. Insurance|Chapter 36. Trade Practices and Frauds|Article 3. Financial Institutions; Loans; Credit.|Sec. 21.36.321. Misrepresentation in financial institution sales.

In the sale of insurance by a financial institution, a person may not engage in any practice or use an advertisement that may tend to mislead or deceive a consumer or cause a consumer to erroneously believe that (1) the insurance is backed by or a return on the insurance is guaranteed by the state, the federal government, the person, or the Federal Deposit Insurance Corporation; (2) the state or federal government (A) will pay a claim under an insurance contract that is an obligation of or was sold by the person; (B) is responsible for the insurance sales activities of the person; or (C) guarantees the credit of the person; (3) for insurance that contains investment risk, the insurance does not contain investment risk, the principal may not be lost, or the value of the insurance may not decline; (4) the lending of money, extension of credit, or a renewal of a loan is conditioned on the purchase of insurance from the person and that insurance may not be purchased from another source.
AK Stat § 21.36.323 (2021)
2021 Alaska Statutes|Title 21. Insurance|Chapter 36. Trade Practices and Frauds|Article 3. Financial Institutions; Loans; Credit.|Sec. 21.36.323. Disclosures required in financial institution sales.

(a) In the sale of insurance by a financial institution, a person shall disclose both orally and in writing to a consumer before the initial purchase of insurance that (1) the insurance is not a deposit or other obligation of the person; (2) the insurance is not guaranteed by the person or the person soliciting insurance; (3) the insurance is not insured by the Federal Deposit Insurance Corporation or other agency of the United States, the financial institution, or the person; (4) if the insurance contains risk, the insurance contains investment risk and the insurance may lose value; (5) the consumer is not required to negotiate a policy or contract of insurance through any particular person or group of persons as a condition to the lending of money or extension of credit, or a renewal of the loan or extension of credit, except that the person may impose reasonable requirements uniformly applied and relating to the extent of coverage required and the financial soundness and the services of the insurer and that the standards may not discriminate against a particular type of insurer or require disapproval of a policy containing coverage in addition to that required. (b) A person shall also provide the disclosures required in (a) of this section to a consumer both orally and in writing at the time of application for an extension of credit. (c) If an application for insurance is made by telephone, written disclosure as required in (a) of this section must be mailed to the consumer within three working days. (d) A person may provide the disclosures required in (a) of this section electronically, if (1) the consumer affirmatively consents to electronic disclosure; and (2) the disclosures are provided in a format that the consumer is able to access at a later time by a method such as through printing or storing the disclosures electronically. (e) A person shall provide the disclosures required in (a) of this section in a meaningful form and in a conspicuous, simple, direct, and understandable manner that is designed to call attention to the information provided. (f) A person shall obtain a written acknowledgment or, in the case of an electronic disclosure provided in compliance with (d) of this section, a written or electronic acknowledgment, by the consumer that the consumer received the disclosures as required in this section. (g) This section does not require that a person provide the disclosures required in this section in advertisements that are of a general nature or that describe or list the services or products offered by a financial institution or on behalf of a financial institution. (h) In this section, “meaningful form” means (1) for other than an electronic form, a form of disclosure that is provided to a consumer orally and in writing; (2) for an electronic form, a disclosure that a consumer cannot electronically bypass before purchasing insurance.
AK Stat § 21.36.325 (2021)
2021 Alaska Statutes|Title 21. Insurance|Chapter 36. Trade Practices and Frauds|Article 3. Financial Institutions; Loans; Credit.|Sec. 21.36.325. Definitions for AS 21.36.317 - 21.36.325.

In AS 21.36.317 - 21.36.325, unless the context otherwise requires, (1) “consumer” means a person who obtains, applies to obtain, or is solicited to obtain insurance from or on behalf of a financial institution; (2) “financial institution” means a bank holding company under 12 U.S.C. 1841 (Bank Holding Company Act of 1956); a credit union under 12 U.S.C. 1752 (Federal Credit Union Act); a bank, savings bank, savings and loan association, or trust company, or any depository institution under 12 U.S.C. 1813(c)(1); and any other person authorized to take federally insured deposits and make loans in the state; “financial institution” includes any employee or agent of a financial institution and any nondepository affiliate or subsidiary of a financial institution but only in the instances when the nondepository affiliate or subsidiary is soliciting the sale or purchase of insurance recommended or sponsored by, on the premises of, or in connection with a product offering of the financial institution; “financial institution” does not include an insurer.
AK Stat § 21.36.355 (2021)
2021 Alaska Statutes|Title 21. Insurance|Chapter 36. Trade Practices and Frauds|Article 4. Fraud, Crimes, and Investigations.|Sec. 21.36.355. Felony convictions involving dishonesty or breach of trust.

(a) A person who has a conviction for a felony involving dishonesty or a breach of trust may not engage or participate in the business of insurance without receiving prior written consent by the director or by the insurance regulatory official of the person's home state as required under 18 U.S.C. 1033 and 1034 (Violent Crime Control and Law Enforcement Act of 1994). (b) A person who fails to seek prior written consent from the director under (a) of this section is in violation of this chapter. (c) A person who is engaged in the business of insurance may not knowingly permit the participation in the business of insurance by a person who has been convicted of a felony involving dishonesty or breach of trust except as allowed under (a) of this section.
AK Stat § 21.36.365 (2021)
2021 Alaska Statutes|Title 21. Insurance|Chapter 36. Trade Practices and Frauds|Article 4. Fraud, Crimes, and Investigations.|Sec. 21.36.365. Immunity for reports on fraud.

(a) A person is not liable for civil damages for filing a report with or furnishing other information whether written or oral, concerning suspected, anticipated, or completed fraudulent acts to (1) law enforcement officials, their agents, and employees; (2) the National Association of Insurance Commissioners, the division of insurance, an agency in a state that regulates insurance, or an organization established to detect and prevent fraudulent insurance acts, their agents, employees, or designees; (3) a person involved in the prevention and detection of fraudulent insurance acts or that person's employees, agents, or representatives. (b) This section does not preclude liability for civil damages as a result of reckless, wilful, or intentional misconduct.
AK Stat § 21.36.380 (2021)
2021 Alaska Statutes|Title 21. Insurance|Chapter 36. Trade Practices and Frauds|Article 4. Fraud, Crimes, and Investigations.|Sec. 21.36.380. Notice on claim form.

A claim form must contain a statement that states in substance the following: “A person who knowingly and with intent to injure, defraud, or deceive an insurance company files a claim containing false, incomplete, or misleading information may be prosecuted under state law.” A lack of the statement on a claim form does not constitute a defense to prosecution under this title.
AK Stat § 21.36.390 (2021)
2021 Alaska Statutes|Title 21. Insurance|Chapter 36. Trade Practices and Frauds|Article 4. Fraud, Crimes, and Investigations.|Sec. 21.36.390. Notice to director.

(a) An insurer or licensee that has reason to believe that a fraudulent claim has been made against it shall send the director a report disclosing information that the director may require. (b) An insurer or licensee that has reason to believe that an insurance producer with which it is doing business is involved in a defalcation, embezzlement, or violation of the provisions of AS 21.36.030, 21.36.050, or 21.36.360 shall immediately send the director a report disclosing the basis for that belief and any other information that the director may require. (c) An insurer or licensee, its employee or agent, or another person acting in good faith is not civilly liable for damages resulting from the filing of the report or the furnishing of information required by this section or by the director. (d) The director shall investigate facts reported under this section and shall refer facts indicating a violation of law to the appropriate prosecutor or agency.
AK Stat § 21.36.400 (2021)
2021 Alaska Statutes|Title 21. Insurance|Chapter 36. Trade Practices and Frauds|Article 4. Fraud, Crimes, and Investigations.|Sec. 21.36.400. Confidentiality.

(a) The papers, reports, documents, and evidence received under AS 21.36.390 or an investigation arising out of information received under AS 21.36.390 are not subject to public inspection for so long as the director considers confidentiality to be in the public interest or reasonably necessary to complete an investigation or protect the person investigated from unwarranted injury. Papers, reports, documents, and evidence relative to an investigation under this section are confidential and not subject to subpoena unless, after notice to the director and a hearing, a court determines the director would not be unduly hindered by public inspection. (b) An investigator of the director is not subject to subpoena in a civil action by a court of this state to testify concerning a matter that the investigator has knowledge of under a pending insurance fraud investigation by the director.
AK Stat § 21.36.410 (2021)
2021 Alaska Statutes|Title 21. Insurance|Chapter 36. Trade Practices and Frauds|Article 4. Fraud, Crimes, and Investigations.|Sec. 21.36.410. Out-of-state investigations.

(a) If material the director seeks to obtain is located outside the state, the material may be made available to the director to examine at the place where the material is located. The director may designate representatives, including officials of the state in which the material is located, to inspect the material on behalf of the director. (b) The director may respond to a request from an official of another state under procedures established in (a) of this section.
AK Stat § 21.36.430 (2021)
2021 Alaska Statutes|Title 21. Insurance|Chapter 36. Trade Practices and Frauds|Article 5. Specific Acts and Types of Insurance.|Sec. 21.36.430. Insurance for domestic violence victims and providers of services to victims; records.

(a) A person transacting insurance in this state may not (1) refuse to issue or renew insurance coverage; (2) limit the scope of insurance coverage; (3) cancel an existing policy of insurance; (4) deny a covered claim; or (5) increase the premium on an insurance policy if the refusal, cancellation, denial, or increase results only from the fact that the person was a victim of domestic violence or a provider of services to victims of domestic violence. (b) The provisions of (a) of this section may not prevent an insurer from underwriting or rating (1) for a medical condition, including a medical condition resulting from domestic violence, in the same manner as it would for a person who is not a victim of domestic violence; or (2) a person based on known frequency of losses in the same manner the insurer would for a person who is not a victim of domestic violence. (c) In this section, “domestic violence” means the occurrence of one or more of the following by a current or former family member, household member, intimate partner, or caretaker: (1) attempting to cause, causing, or threatening another person with physical harm, severe emotional distress, psychological trauma, rape, or sexual assault; (2) engaging in a course of conduct or repeatedly committing acts toward another person, including following the person without proper authority, under circumstances that place the person in reasonable fear of bodily injury or physical harm; (3) subjecting another person to false imprisonment; or (4) attempting to cause or causing damage to property so as to intimidate or attempt to control the behavior of another person.
AK Stat § 21.36.440 (2021)
2021 Alaska Statutes|Title 21. Insurance|Chapter 36. Trade Practices and Frauds|Article 5. Specific Acts and Types of Insurance.|Sec. 21.36.440. Required disclosure for failure to provide coverage to an applicant.

An insurer who refuses to provide insurance coverage to an applicant initially applying for insurance shall (1) inform the applicant that the applicant has a right to know the reason for the refusal; and (2) upon receipt of a written request from the applicant, provide a written explanation of the refusal to the applicant.
AK Stat § 21.36.450 (2021)
2021 Alaska Statutes|Title 21. Insurance|Chapter 36. Trade Practices and Frauds|Article 5. Specific Acts and Types of Insurance.|Sec. 21.36.450. Definition of insurer for AS 21.36.430 - 21.36.440.

In AS 21.36.430 - 21.36.440, “insurer” includes (1) an insurer, as defined in AS 21.97.900; (2) a group health plan, as defined in 29 U.S.C. 1167(1) (Employee Retirement Income Security Act of 1974); (3) a health maintenance organization, as defined in AS 21.86.900; (4) a hospital service corporation or medical service corporation, as defined in AS 21.87.330; (5) the Comprehensive Health Insurance Association, established in AS 21.55.010; and (6) an entity offering a service benefit plan, as referred to in 42 U.S.C. 1396g-1.