reglab/housing_qa huggingface dataset:
UT Code § 31A-19a-405 (2021)
2021 Utah Code|Title 31A - Insurance Code|Chapter 19a - Utah Rate Regulation Act|Part 4 - Workers' Compensation Rates|Section 405 - Filing of rates and other rating information.

 Effective 5/12/2020  31A-19a-405. Filing of rates and other rating information.    (1)   (a) All workers' compensation rates, supplementary rate information, and supporting information shall be filed at least 30 days before the effective date of the rate or information.     (b) Notwithstanding Subsection (1)(a), on application by the filer, the commissioner may authorize an earlier effective date.       (2) The loss and loss adjustment expense factors included in the rates filed under Subsection (1) shall be:   (a) the advisory loss costs filed by the designated rate service organization under Section 31A-19a-406; or     (b) a percent modification of the advisory loss costs filed by the designated rate service organization under Section 31A-19a-406.       (3) A modification filed under Subsection (2)(b) shall be accompanied by adequate support as required by Part 2, General Rate Regulation.    Amended by Chapter 32, 2020 General Session
UT Code § 31A-19a-406 (2021)
2021 Utah Code|Title 31A - Insurance Code|Chapter 19a - Utah Rate Regulation Act|Part 4 - Workers' Compensation Rates|Section 406 - Filing requirements for designated rate service organization.

 Effective 5/12/2020  31A-19a-406. Filing requirements for designated rate service organization.    (1) The rate service organization designated under Section 31A-19a-404 shall file with the commissioner the following items proposed for use in this state at least 30 calendar days before the day on which the items are distributed to members, subscribers, or others:   (a) each advisory loss cost with its supporting information;     (b) the uniform classification plan and rating manual;     (c) the uniform experience rating plan manual;     (d) the uniform statistical plan manual; and     (e) each change, amendment, or modification of any of the items listed in Subsections (1)(a) through (d).       (2)   (a) If the commissioner believes that advisory loss costs filed violate the excessive, inadequate, or unfair discriminatory standard in Section 31A-19a-201 or any other applicable requirement of this part, the commissioner may require that the rate service organization file additional supporting information.     (b) If, after reviewing the supporting information, the commissioner determines that the advisory loss costs violate these requirements, the commissioner may:   (i) require that adjustments to the advisory loss costs be made; or     (ii) call a hearing for any purpose regarding the filing.        Amended by Chapter 32, 2020 General Session
UT Code § 31A-19a-407 (2021)
2021 Utah Code|Title 31A - Insurance Code|Chapter 19a - Utah Rate Regulation Act|Part 4 - Workers' Compensation Rates|Section 407 - Cooperation among rating organizations and insurers

31A-19a-407. Cooperation among rating organizations and insurers    (1) Notwithstanding Section 31A-19a-305, rate service organizations and insurers may cooperate with each other in rate-making or in other matters within the scope of this part.     (2)   (a) The commissioner may review the cooperative activities and practices permitted under Subsection (1).     (b) If, after a hearing, the commissioner finds any of the cooperative activities or practices permitted under Subsection (1) to be unfair, unreasonable, or otherwise inconsistent with the law, the commissioner may issue an order:   (i) specifying in what respects the activity or practice is unfair, unreasonable, or otherwise inconsistent with the law; and     (ii) requiring the persons or entities involved to discontinue the activity or practice.        Enacted by Chapter 130, 1999 General Session
UT Code § 31A-19a-408 (2021)
2021 Utah Code|Title 31A - Insurance Code|Chapter 19a - Utah Rate Regulation Act|Part 4 - Workers' Compensation Rates|Section 408 - Procedures for workers' compensation tiered rate filings.

31A-19a-408. Procedures for workers' compensation tiered rate filings.    (1) Notwithstanding Section 31A-19a-214 and subject to the other provisions of this section, a workers' compensation insurer may file with the commissioner a rate filing for workers' compensation insurance that provides for a plan with more than one rate tier for a single insurer or an insurer group with common ownership if the filing shows that:   (a) each tier is established on underwriting rules that are based on criteria that would lead to a logical distinguishing of potential risk; and     (b) supporting actuarial analysis or other information that shows a clear distinction between the following for each tier:   (i) expected losses and expenses; and     (ii) actual losses and expenses.         (2) A workers' compensation insurer shall file with the commissioner an update of the actuarial analysis or other information required under Subsection (1)(b) at least every three years.     (3) A workers' compensation insurer may apply underwriting expertise and judgment in the tier placement process, except that underwriting expertise and judgment shall:   (a) be applied in a prudent manner; and     (b) when applied, be fair, reasonable, and fully documented.      Enacted by Chapter 242, 2011 General Session
UT Code § 31A-21-101 (2021)
2021 Utah Code|Title 31A - Insurance Code|Chapter 21 - Insurance Contracts in General|Part 1 - General Rules|Section 101 - Scope of Chapters 21 and 22.

 Effective 5/5/2021  31A-21-101. Scope of Chapters 21 and 22.    (1) Except as provided in Subsections (2) through (6), this chapter and Chapter 22, Contracts in Specific Lines, apply to all insurance policies, applications, and certificates:   (a) delivered or issued for delivery in this state;     (b) on property ordinarily located in this state;     (c) on persons residing in this state when the policy is issued; or     (d) on business operations in this state.       (2) This chapter and Chapter 22, Contracts in Specific Lines, do not apply to:   (a) an exemption provided in Section 31A-1-103;     (b) an insurance policy procured under Sections 31A-15-103 and 31A-15-104;     (c) an insurance policy on business operations in this state:   (i) if:   (A) the contract is negotiated primarily outside this state; and     (B) the operations in this state are incidental or subordinate to operations outside this state; and       (ii) except that insurance required by a Utah statute shall conform to the statutory requirements; or       (d) other exemptions provided in this title.       (3)   (a) Sections 31A-21-102, 31A-21-103, 31A-21-104, Subsections 31A-21-107(1) and (3), and Sections 31A-21-306, 31A-21-308, 31A-21-312, and 31A-21-314 apply to ocean marine and inland marine insurance.     (b) Section 31A-21-201 applies to inland marine insurance that is written according to manual rules or rating plans.     (c) Inland marine insurance that includes accident and health insurance is subject to Chapter 22, Contracts in Specific Lines.       (4) A group insurance policy or a blanket insurance policy is subject to this chapter and Chapter 22, Contracts in Specific Lines, except:   (a) a group insurance policy outside the scope of this title under Subsection 31A-1-103(3)(h);     (b) a blanket insurance policy outside the scope of this title under Subsection 31A-1-103(3)(h); and     (c) other exemptions provided under Subsection (5).       (5) The commissioner may by rule exempt any class of insurance contract or class of insurer from any or all of the provisions of this chapter and Chapter 22, Contracts in Specific Lines, if the interests of the Utah insureds, creditors, or the public would not be harmed by the exemption.     (6) Workers' compensation insurance is subject to this chapter and Chapter 22, Contracts in Specific Lines.     (7) Unless clearly inapplicable, any provision of this chapter or Chapter 22, Contracts in Specific Lines, applicable to either a policy or a contract is applicable to both.    Amended by Chapter 252, 2021 General Session
UT Code § 31A-21-102 (2021)
2021 Utah Code|Title 31A - Insurance Code|Chapter 21 - Insurance Contracts in General|Part 1 - General Rules|Section 102 - Oral contracts of insurance and binders.

31A-21-102. Oral contracts of insurance and binders.    (1) "Binder" means a writing which describes the subject and amount of insurance and temporarily binds insurance coverage pending the issuance of an insurance policy. "Binder" does not include conditional receipts by life insurance companies under which issuance of the policy or coverage under the policy is contingent upon the acceptability of the risk to the insurer.     (2) Binding oral contracts of insurance may only be made as to casualty insurance, liability insurance, property insurance, vehicle liability insurance, workers' compensation insurance, and as to combinations of these coverages. The insurer shall issue a policy or binder as soon as reasonably possible after negotiation of any oral contract under this subsection.     (3) No binder is valid beyond the issuance of the policy as to which the binder was given, or beyond 150 days from the binder's effective date, whichever occurs first.     (4) If a policy has not been issued as to a binder, the binder may be extended or renewed beyond 150 days, but only upon the commissioner's written approval, or under rules adopted by the commissioner.     (5) A binder may be cancelled by the insurer prior to its expiration date only in the same manner as and subject to the same restrictions that apply to insurance policies under Section 31A-21-303.    Amended by Chapter 261, 1989 General Session
UT Code § 31A-21-103 (2021)
2021 Utah Code|Title 31A - Insurance Code|Chapter 21 - Insurance Contracts in General|Part 1 - General Rules|Section 103 - Capacity to contract.

31A-21-103. Capacity to contract.  Any person 16 years of age or older who is otherwise competent to contract under Utah law, and who is not subject to any legal disability, may contract for insurance. If there is a conservator appointed under Title 75, Utah Uniform Probate Code, the conservator, rather than the person whose property is subject to the conservatorship, may contract for insurance to protect the property under conservatorship. In the case of a conservatorship over the person or property of a person under 16 years of age, the conservator may invest funds of the estate in life or accident and health insurance or annuity contracts, but only with the approval of the court having jurisdiction over the conservatorship.  Amended by Chapter 116, 2001 General Session
UT Code § 31A-21-106 (2021)
2021 Utah Code|Title 31A - Insurance Code|Chapter 21 - Insurance Contracts in General|Part 1 - General Rules|Section 106 - Incorporation by reference.

 Effective 5/9/2017  31A-21-106. Incorporation by reference.    (1)   (a) Except as provided in Subsection (1)(b), an insurance policy may not contain any agreement or incorporate any provision not fully set forth in the policy or in an application or other document attached to and made a part of the policy at the time of its delivery, unless the policy, application, or agreement accurately reflects the terms of the incorporated agreement, provision, or attached document.     (b)   (i) A policy may by reference incorporate rate schedules and classifications of risks and short-rate tables filed with the commissioner.     (ii) By rule or order, the commissioner may authorize incorporation by reference of provisions for:   (A) administrative arrangements;     (B) premium schedules; and     (C) payment procedures for complex contracts.         (c)   (i) A policy of title insurance insuring the mortgage or deed of trust of an institutional lender may, if requested by an institutional lender, incorporate by reference generally applicable policy terms that are contained in a specifically identified policy that has been filed with the commissioner.     (ii) As used in Subsection (1)(c)(i), "institutional lender" means a person that regularly engages in the business of making loans secured by real estate.       (d) A policy may incorporate by reference the following by citing in the policy:   (i) a federal law or regulation;     (ii) a state law or rule; or     (iii) a public directive of a federal or state agency.         (2) A purported modification of a contract during the term of the policy may not affect the obligations of a party to the contract:   (a) unless the modification is:   (i) in writing; and     (ii) agreed to by the party against whose interest the modification operates; and       (b) except:   (i) as provided in:   (A) Subsection (3) or (4);     (B) Subsection 31A-22-618.6(8); or     (C) Subsection 31A-22-618.7(4); or       (ii) as otherwise mandated by law.         (3) Subsection (2) does not prevent a change in coverage under group contracts resulting from:   (a) provisions of an employer eligibility rule;     (b) the terms of a collective bargaining agreement; or     (c) provisions in federal Employee Retirement Income Security Act plan documents.       (4) Subsection (2) does not prevent a premium increase at any renewal date that is applicable uniformly to all comparable persons.    Amended by Chapter 292, 2017 General Session
UT Code § 31A-21-107 (2021)
2021 Utah Code|Title 31A - Insurance Code|Chapter 21 - Insurance Contracts in General|Part 1 - General Rules|Section 107 - Contract rights under noncomplying policies.

31A-21-107. Contract rights under noncomplying policies.    (1) Except as otherwise specifically provided by this title, a policy is enforceable against the insurer according to its terms, even if it exceeds the authority of the insurer.     (2) Any insurance policy, rider, or endorsement issued after July 1, 1986, and which is otherwise valid, which contains any condition or provision not in compliance with the requirements of this title, is not rendered invalid by this title. However, those conditions and provisions shall be construed and applied as if the policy, rider, or endorsement was in full compliance with this title.     (3) Upon written request of the policyholder or an insured whose rights under the policy are continuing and not transitory, an insurer shall reform and reissue or amend by a clearly stated rider its written policy to comply with the requirements of the law existing at the date of issuance of the policy. Subject to this section and Section 31A-21-102, a person seeking to reform a written insurance agreement by complaint or petition to a judicial authority shall show by clear and convincing evidence the existence of facts establishing the reformation.    Amended by Chapter 204, 1986 General Session
UT Code § 31A-21-108 (2021)
2021 Utah Code|Title 31A - Insurance Code|Chapter 21 - Insurance Contracts in General|Part 1 - General Rules|Section 108 - Subrogation actions.

31A-21-108. Subrogation actions.  Subrogation actions may be brought by the insurer in the name of its insured.  Enacted by Chapter 204, 1986 General Session
UT Code § 31A-21-110 (2021)
2021 Utah Code|Title 31A - Insurance Code|Chapter 21 - Insurance Contracts in General|Part 1 - General Rules|Section 110 - Prohibition against certain use of Social Security number -- Exceptions -- Applicability of section.

31A-21-110. Prohibition against certain use of Social Security number -- Exceptions -- Applicability of section.    (1) As used in this section "publicly display or publicly post" means to intentionally communicate or otherwise make available to the general public.     (2) An insurer not subject to Section 31A-22-634 may not do any of the following:   (a) publicly display or publicly post in any manner an individual's Social Security number; or     (b) print an individual's Social Security number on any card required for the individual to access products or services provided or covered by the insurer.       (3) This section does not prevent:   (a) the collection, use, or release of a Social Security number as required by state or federal law;     (b) the use of a Social Security number for internal verification or administrative purposes; or     (c) the release of a Social Security number:   (i) for claims administration purposes; or     (ii) as part of the verification, eligibility, or payment process.         (4)   (a) An insurer shall comply with this section by July 1, 2005.     (b) An insurer may obtain an extension for compliance with this section in accordance with this Subsection (4)(b).   (i) The request for extension shall:   (A) be in writing to the department prior to July 1, 2005; and     (B) provide an explanation as to why the insurer cannot comply.       (ii) The commissioner shall grant a request for extension:   (A) for a period of time not to exceed March 1, 2006; and     (B) if the commissioner finds that the explanation provided under Subsection (4)(b)(i) is a reasonable explanation.          Enacted by Chapter 2, 2004 General Session
UT Code § 31A-21-111 (2021)
2021 Utah Code|Title 31A - Insurance Code|Chapter 21 - Insurance Contracts in General|Part 1 - General Rules|Section 111 - Insurers to follow terms of policy.

31A-21-111. Insurers to follow terms of policy.  Unless otherwise provided by this title, an insurer shall follow the terms of an insurance policy issued or assumed by the insurer.  Enacted by Chapter 197, 2006 General Session
UT Code § 31A-21-112 (2021)
2021 Utah Code|Title 31A - Insurance Code|Chapter 21 - Insurance Contracts in General|Part 1 - General Rules|Section 112 - Language other than English.

31A-21-112. Language other than English.    (1) An insurer may conduct a transaction in a language other than English through an employee or agent acting as interpreter or through an interpreter provided by the customer.     (2) An insurer may provide a customer an insurance policy, endorsement, rider, or explanatory or advertising material in a language other than English. If there is a dispute or complaint regarding the insurance policy, endorsement, rider, or explanatory or advertising material, the English language version of the insurance coverage shall control the resolution of the dispute or complaint.     (3) A non-English language policy delivered or issued for delivery in this state is considered to be in compliance with this title if the insurer certifies that the policy is translated from an English language policy that complies with this title.     (4) If an insurance policy, endorsement, or rider is provided in a language other than English, it shall be accompanied by:   (a) the corresponding English language version; and     (b) a disclaimer in both English and the other language that states that the foreign language version is provided only as an accommodation or courtesy to the customer and the English language version shall control the resolution of any dispute or complaint.      Enacted by Chapter 443, 2013 General Session
UT Code § 31A-21-202 (2021)
2021 Utah Code|Title 31A - Insurance Code|Chapter 21 - Insurance Contracts in General|Part 2 - Approval of Forms|Section 202 - Explicit approval required.

31A-21-202. Explicit approval required.    (1) The following clauses are disapproved unless the commissioner gives them explicit approval:   (a) clauses requiring more expeditious notice of loss or proof of loss than is required by Section 31A-21-312 or rules adopted under that section; and     (b) a schedule of reinstatement fees under Section 31A-22-608, if made a part of the policy. This type of schedule need not be included in the policy but may be given approval as a separate document specifically made applicable to particular classes of policies and incorporated in the policy by reference.       (2) If an insurer fails to obtain explicit approval from the commissioner for the clauses specified in Subsection (1), the clauses are void.    Amended by Chapter 204, 1986 General Session
UT Code § 31A-21-203 (2021)
2021 Utah Code|Title 31A - Insurance Code|Chapter 21 - Insurance Contracts in General|Part 2 - Approval of Forms|Section 203 - Authorized clauses for insurance forms.

31A-21-203. Authorized clauses for insurance forms.    (1) The commissioner may not adopt mandatory uniform clauses. However, the commissioner may adopt authorized clauses by rule upon a finding that:   (a) price or coverage competition is ineffective because diversity in language or content makes comparison difficult;     (b) provision of language, content, or form of specific clauses is necessary to provide certainty of meaning to those clauses;     (c) regulation of policy forms would be more effective or litigation would be substantially reduced if there were increased standardization of certain clauses; or     (d) reasonable minimum standards of insurance protection are needed for policies to serve a useful purpose.       (2) Any rule creating an authorized clause may prescribe that to be treated as an authorized clause there shall be verbatim or substantial adherence to prescribed language, that certain standards or criteria shall be met, or that certain drafting principles shall be followed. The rules may also permit liberalization of prescribed language. A rule may prescribe verbatim adherence only after the commissioner has made a finding that substantial adherence to the prescribed language is not sufficient and that liberalization of prescribed language will frustrate the purposes of the prescription. If an insurer uses authorized clauses as part of filed forms, the commissioner may only disapprove those clauses under Section 31A-21-201 upon a finding that improper combination of clauses makes them violate the criteria of Section 31A-21-201.    Enacted by Chapter 242, 1985 General Session
UT Code § 31A-21-301 (2021)
2021 Utah Code|Title 31A - Insurance Code|Chapter 21 - Insurance Contracts in General|Part 3 - Specific Clauses in Contracts|Section 301 - Clauses required to be in a prominent position.

 Effective 5/12/2020  31A-21-301. Clauses required to be in a prominent position.    (1) The following portions of insurance policies shall appear conspicuously in the policy:   (a) as required by Subsections 31A-21-201(3)(a)(iii) and (iv):   (i) the exact name of the insurer;     (ii) the state of domicile of the insurer; and     (iii) for life insurance and annuity policies only, the address of the administrative office of the insurer;       (b) information that two or more insurers under Subsection (1)(a) undertake only several liability, as required by Section 31A-21-306;     (c) if a policy is assessable, a statement of that;     (d) a statement that benefits are variable, as required by Section 31A-22-411; however, the methods of calculation need not be in a prominent position;     (e) the right to return a life or accident and health insurance policy under Sections 31A-22-423 and 31A-22-606; and     (f) the beginning and ending dates of insurance protection.       (2) Each clause listed in Subsection (1) shall be displayed conspicuously and separately from any other clause.    Amended by Chapter 32, 2020 General Session