reglab/housing_qa huggingface dataset:
AR Code § 23-79-210 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 79 - Insurance Policies Generally|Subchapter 2 - Suits Against Insurers|§ 23-79-210. Direct cause of action against liability insurer when insured not subject to tort suit

 (a)  (1) When liability insurance is carried by any cooperative nonprofit corporation, association, or organization, or by any municipality, agency, or subdivision of a municipality, or of the state, or by any improvement district or school district, or by any other organization or association of any kind or character and not subject to suit for tort, and if any person, firm, or corporation suffers injury or damage to person or property on account of the negligence or wrongful conduct of the organization, association, municipality, or subdivision, its servants, agents, or employees acting within the scope of their employment or agency, then the person, firm, or corporation so injured or damaged shall have a direct cause of action against the insurer with which the liability insurance is carried to the extent of the amounts provided for in the insurance policy as would ordinarily be paid under the terms of the policy.  (2) Any self-insurance fund, pooled liability fund, or similar fund maintained by a medical care provider for the payment or indemnification of the medical care provider's liabilities for medical injuries under § 16-114-201 et seq. shall be deemed to be liability insurance susceptible to direct action under this section.  (3) The insurer shall be directly liable to the injured person, firm, or corporation for damages to the extent of the coverage in the liability insurance policy, and the plaintiff may proceed directly against the insurer regardless of the fact that the actual tortfeasor may not be sued under the laws of the state.    (b) Any of the organizations or entities not subject to suit for tort described in subsection (a) of this section and the officers of those organizations or entities upon the request of any person so injured or damaged shall disclose the existence of any liability insurance, the name of the insurer, and the terms, amounts, and limits provided by the policy or policies.  (c)  (1) Nothing in this section shall be deemed to require the organization or entity not subject to suit for tort to carry liability insurance. This section provides only for a direct action against the insurer by the injured or damaged person in the event liability insurance is so carried.  (2) The substance of this section shall by operation of law be a part of any liability insurance policy so carried, notwithstanding the terms of the policy itself, and any limitation in any policy restricting the right to recover to a judgment's first being obtained against a tortfeasor shall be void.
AR Code § 23-79-301 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 79 - Insurance Policies Generally|Subchapter 3 - Minimum Standards — Commercial Property and Casualty Insurance Policies|§ 23-79-301. Purpose

 The purpose of this subchapter is to provide minimum standards for commercial lines property and casualty insurance policies or contracts. These minimum standards are designed to minimize restrictions in coverage and to assure minimum standards for these commercial policies or contracts for the protection of the public. This subchapter is not intended to impede flexibility and innovation in the development of commercial property and casualty insurance policy or contract form or content. This subchapter is not intended to conflict with the provisions concerning insurance contracts in the Arkansas Insurance Code and, in particular, the provisions of § 23-60-105. This subchapter is not intended to conflict with nor apply to insurance policies and contracts of surplus lines insurers operating in this state in compliance with § 23-65-310.
AR Code § 23-79-302 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 79 - Insurance Policies Generally|Subchapter 3 - Minimum Standards — Commercial Property and Casualty Insurance Policies|§ 23-79-302. Definition

 For purposes of this subchapter, a claims-made policy as referenced in § 23-79-306 means a policy which provides coverage if a claim for damages is first made during the policy period.
AR Code § 23-79-303 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 79 - Insurance Policies Generally|Subchapter 3 - Minimum Standards — Commercial Property and Casualty Insurance Policies|§ 23-79-303. Applicability — Exceptions

 (a) This subchapter applies to property and casualty insurance on commercial risks in this state, except:  (1) Reinsurance;  (2) Insurance against loss of or damage to aircraft or their hulls, accessories, and equipment or against liability arising out of the ownership, maintenance, or use of aircraft;  (3) Ocean marine or foreign trade insurance;  (4) Title insurance;  (5) Surety or fidelity insurance;  (6) Credit insurance;  (7) Workers' compensation or employers' liability insurance; and  (8) Large commercial risks.    (b) Section 23-79-307(5)(A), § 23-79-311, and § 23-79-312 do not apply to medical malpractice insurance.
AR Code § 23-79-304 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 79 - Insurance Policies Generally|Subchapter 3 - Minimum Standards — Commercial Property and Casualty Insurance Policies|§ 23-79-304. Construction

 This subchapter shall be deemed cumulative of prior laws. No prior law or part of a law shall be deemed to be in conflict with this subchapter unless failure to so determine would prevent giving effect to an explicit provision of this subchapter.
AR Code § 23-79-305 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 79 - Insurance Policies Generally|Subchapter 3 - Minimum Standards — Commercial Property and Casualty Insurance Policies|§ 23-79-305. Violations — Order

 (a) Whenever the Insurance Commissioner shall have reason to believe that any person has violated any provision of this subchapter, the commissioner shall issue and serve upon the person a statement of the alleged violations and a notice of hearing as provided by § 23-79-309.  (b) If, after a hearing, the commissioner determines that the person has violated a provision of this subchapter, the commissioner shall issue a written order which, in the commissioner's discretion, may do one (1) or more of the following:  (1) Revoke the certificate of authority of the insurer or the license of the rate service organization;  (2) Suspend the certificate of authority of the insurer or the license of the rate service organization; and  (3) Require the payment of a monetary penalty of not more than one thousand dollars ($1,000) for each violation or, if the commissioner has found willful violations, a penalty of not more than ten thousand dollars ($10,000) for each violation.
AR Code § 23-79-308 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 79 - Insurance Policies Generally|Subchapter 3 - Minimum Standards — Commercial Property and Casualty Insurance Policies|§ 23-79-308. Noncomplying provisions

 Any commercial property and casualty insurance policy, contract, rider, or endorsement issued after March 13, 1987, and otherwise valid that contains any condition or provision not in compliance with the requirements of this subchapter shall be construed and applied in accordance with the provisions of this subchapter.
AR Code § 23-79-309 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 79 - Insurance Policies Generally|Subchapter 3 - Minimum Standards — Commercial Property and Casualty Insurance Policies|§ 23-79-309. Administrative procedures — Appeals

 (a) Administrative procedures exercised by the Insurance Commissioner under this subchapter shall be in accordance with §§ 23-61-303 — 23-61-306.  (b) Appeals from orders of the commissioner made under this subchapter shall be made in accordance with § 23-61-307.
AR Code § 23-79-310 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 79 - Insurance Policies Generally|Subchapter 3 - Minimum Standards — Commercial Property and Casualty Insurance Policies|§ 23-79-310. Rules

 The Insurance Commissioner may promulgate such reasonable rules as are necessary to carry out the provisions of this subchapter.
AR Code § 23-79-311 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 79 - Insurance Policies Generally|Subchapter 3 - Minimum Standards — Commercial Property and Casualty Insurance Policies|§ 23-79-311. Motor vehicle liability insurance — Extraterritorial provision

 (a)  (1) Motor vehicle liability insurance applies to the amounts that the owner is legally obligated to pay as damages because of accidental bodily injury and accidental property damage arising out of the ownership or operation of a motor vehicle if the accident occurs in the United States, its possessions, or Canada.  (2) Motor vehicle liability insurance must afford limits of liability not less than those required under the financial responsibility laws of the jurisdiction of this state.    (b) If the accident occurs outside this state but in the United States, its possessions, or Canada and if the limits of liability of the financial responsibility or compulsory insurance laws of the applicable jurisdiction exceed the limits of liability of the financial responsibility laws of this state, the motor vehicle liability insurance is deemed to comply with the limits of liability of the laws of the applicable jurisdiction.  (c) For purposes of this section, “motor vehicle” is defined as provided in § 27-14-104.
AR Code § 23-79-312 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 79 - Insurance Policies Generally|Subchapter 3 - Minimum Standards — Commercial Property and Casualty Insurance Policies|§ 23-79-312. 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 § 23-79-401 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 79 - Insurance Policies Generally|Subchapter 4 - Medicare Supplement Insurance Minimum Standards Act|§ 23-79-401. Title

 This subchapter shall be known and cited as the “Medicare Supplement Insurance Minimum Standards Act”.
AR Code § 23-79-402 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 79 - Insurance Policies Generally|Subchapter 4 - Medicare Supplement Insurance Minimum Standards Act|§ 23-79-402. Applicability and scope

 (a) Except as otherwise specifically provided in § 23-79-405, this subchapter shall apply to:  (1) All Medicare supplement policies delivered or issued for delivery in this state on or after March 20, 1992; and  (2) All certificates issued under group Medicare supplement policies, which certificates have been delivered or issued for delivery in this state.    (b) This subchapter shall not apply to a policy of one (1) or more employers or labor organizations, or of the trustees of a fund established by one (1) or more employers or labor organizations, or combination thereof, for employees or former employees or a combination thereof, or for members or former members, or a combination thereof, of the labor organizations.  (c) The provisions of this subchapter are not intended to prohibit or apply to insurance policies or healthcare benefit plans, including group conversion policies, provided to Medicare-eligible persons, which policies are not marketed or held to be Medicare supplement policies or benefit plans.
AR Code § 23-79-403 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 79 - Insurance Policies Generally|Subchapter 4 - Medicare Supplement Insurance Minimum Standards Act|§ 23-79-403. Definitions

 As used in this subchapter:   (1) “Applicant” means:  (A) In the case of an individual Medicare supplement policy, the person who seeks to contract for insurance benefits; and  (B) In the case of a group Medicare supplement policy, the proposed certificate holder;    (2) “Certificate” means any certificate delivered or issued for delivery in this state under a group Medicare supplement policy;  (3) “Certificate form” means the form on which the certificate is delivered or issued for delivery by the issuer;  (4) “Commissioner” means the Insurance Commissioner;  (5) “Issuer” includes insurance companies, fraternal benefit societies, healthcare service plans, health maintenance organizations, and any other entity delivering or issuing for delivery in this state Medicare supplement policies or certificates;  (6) “Medicare” means the Health Insurance for the Aged Act, Title XVIII of the Social Security Amendments of 1965, as then constituted or later amended;  (7) “Medicare supplement policy” means a group or individual policy of accident and health insurance, a subscriber contract of a hospital and medical service corporation or health maintenance organization other than a policy issued pursuant to a contract under section 1876 or section 1833 of the Social Security Act, or an issued policy under a demonstration project authorized pursuant to amendments to the federal Social Security Act that is advertised, marketed, or designed primarily as a supplement to reimbursements under Medicare for the hospital, medical, or surgical expenses of persons eligible for Medicare; and  (8) “Policy form” means the form on which the policy is delivered or issued for delivery by the issuer.
AR Code § 23-79-405 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 79 - Insurance Policies Generally|Subchapter 4 - Medicare Supplement Insurance Minimum Standards Act|§ 23-79-405. Loss ratio standards

 Medicare supplement policies shall return to policyholders benefits which are reasonable in relation to the premiums charged. The Insurance Commissioner shall issue reasonable rules to establish minimum standards for loss ratios of Medicare supplement policies on the basis of incurred claims experience, or incurred healthcare expenses when coverage is provided by a health maintenance organization on a service rather than reimbursement basis, and earned premiums in accordance with accepted actuarial principles and practices.
AR Code § 23-79-406 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 79 - Insurance Policies Generally|Subchapter 4 - Medicare Supplement Insurance Minimum Standards Act|§ 23-79-406. Disclosure standards — Definition

 (a) In order to provide for full and fair disclosure in the sale of Medicare supplement policies, no Medicare supplement policy or certificate shall be delivered in this state unless an outline of coverage is delivered to the applicant at the time application is made.  (b) The Insurance Commissioner shall prescribe the format and content of the outline of coverage required by subsection (a) of this section. For purposes of this section, “format” means style, arrangements, and overall appearance, including such items as the size, color, and prominence of type, and arrangement of text and captions. The outline of coverage shall include:  (1) A description of the principal benefits and coverage provided in the Medicare supplement policy;  (2) A statement of the renewal provisions, including any reservation by the issuer of a right to change premiums, and disclosure of the existence of any automatic renewal premium increases based on the policyholder's age; and  (3) A statement that the outline of coverage is a summary of the Medicare supplement policy issued or applied for and that the Medicare supplement policy should be consulted to determine governing contractual provisions.    (c)  (1) The commissioner may prescribe by rule a standard form and the contents of an informational brochure for persons eligible for Medicare which is intended to improve the buyer's ability to select the most appropriate coverage and improve the buyer's understanding of Medicare.  (2) Except in the case of direct response insurance policies, the commissioner may require by rule that the informational brochure be provided to any prospective insureds eligible for Medicare concurrently with delivery of the outline of coverage.  (3) With respect to direct response insurance policies, the commissioner may require by rule that the prescribed brochure be provided upon request to any prospective insureds eligible for Medicare, but in no event later than the time of policy delivery.    (d) The commissioner may adopt rules for captions or notice requirements determined to be in the public interest and designed to inform prospective insureds that particular insurance coverages are not Medicare supplement coverages for all accident and health insurance policies sold to persons eligible for Medicare by reason of age, other than:  (1) Medicare supplement policies;  (2) Disability income policies;  (3) Basic, catastrophic, or major medical expense policies; or  (4) Single premium, nonrenewable policies.    (e) The commissioner may adopt reasonable rules to govern the full and fair disclosure of the information in connection with the replacement of accident and health policies, subscriber contracts, or certificates by persons eligible for Medicare.
AR Code § 23-79-407 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 79 - Insurance Policies Generally|Subchapter 4 - Medicare Supplement Insurance Minimum Standards Act|§ 23-79-407. Notice of free examination

 Medicare supplement policies and certificates shall have a notice prominently printed on the first page of the Medicare supplement policy or certificate or attached thereto stating in substance that the applicant shall have the right to return the policy or certificate within thirty (30) days of its delivery and to have the premium refunded if, after examination of the Medicare supplement policy or certificate, the applicant is not satisfied for any reason. Any refund made pursuant to this section shall be paid directly to the applicant by the issuer in a timely manner.
AR Code § 23-79-408 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 79 - Insurance Policies Generally|Subchapter 4 - Medicare Supplement Insurance Minimum Standards Act|§ 23-79-408. Filing requirements for advertising

 Every issuer of Medicare supplement policies or certificates in this state shall provide a copy of any Medicare supplement advertising intended for use in this state whether through written, radio, or television medium to the Insurance Commissioner for review and approval prior to its use in this state.
AR Code § 23-79-409 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 79 - Insurance Policies Generally|Subchapter 4 - Medicare Supplement Insurance Minimum Standards Act|§ 23-79-409. Administrative procedures

 Rules adopted pursuant to this subchapter shall be subject to the provisions of § 23-61-108 and to the provisions of the Arkansas Administrative Procedure Act, § 25-15-201 et seq.
AR Code § 23-79-410 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 79 - Insurance Policies Generally|Subchapter 4 - Medicare Supplement Insurance Minimum Standards Act|§ 23-79-410. Penalties

 In addition to any other applicable penalties for violations of the Arkansas Insurance Code, the Insurance Commissioner may require issuers violating any provisions of this subchapter or rules promulgated pursuant to this subchapter to cease marketing any Medicare supplement policy or certificate in this state which is related directly or indirectly to a violation or may require the issuer to take such actions as are necessary to comply with the provisions of this subchapter, or both.
AR Code § 23-79-501 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 79 - Insurance Policies Generally|Subchapter 5 - Comprehensive Health Insurance Pool Act|§ 23-79-501. Purpose

 (a)  (1) Acts 1995, No. 1339, established the Arkansas Comprehensive Health Insurance Pool as a state program that was intended to provide an alternate market for health insurance for certain uninsurable Arkansas residents, and further this subchapter is intended to provide for the successor entity that will provide the acceptable alternative mechanism as described in the Health Insurance Portability and Accountability Act of 1996 for providing portable and accessible individual health insurance coverage for federally eligible individuals as defined in this subchapter.  (2) This subchapter further is intended to provide a health insurance coverage option for persons eligible for a federal income tax credit under section 35 of the Internal Revenue Code, as created by the Trade Adjustment Assistance Reform Act of 2002 or as subsequently amended.    (b) The General Assembly declares that it intends for this program to provide portable and accessible individual health insurance coverage for every individual who qualifies for coverage in accordance with § 23-79-509(b) as a federally eligible individual or as a qualified trade adjustment assistance eligible person but does not intend for every eligible person who qualifies for pool coverage in accordance with § 23-79-509 to be guaranteed a right to be issued a policy under this pool as a matter of entitlement.
AR Code § 23-79-502 (2020)
2020 Arkansas Code|Title 23 - Public Utilities and Regulated Industries|Subtitle 3 - Insurance|Chapter 79 - Insurance Policies Generally|Subchapter 5 - Comprehensive Health Insurance Pool Act|§ 23-79-502. Short title

 This subchapter may be cited as the “Comprehensive Health Insurance Pool Act”, and is amendatory to the Arkansas Insurance Code and the provisions of the Arkansas Insurance Code which are not in conflict with this subchapter are applicable to this subchapter.