reglab/housing_qa huggingface dataset:
ID Code § 6-904 (2021)
2021 Idaho Code|Title 6 - ACTIONS IN PARTICULAR CASES|Chapter 9 - TORT CLAIMS AGAINST GOVERNMENTAL ENTITIES|Section 6-904 - EXCEPTIONS TO GOVERNMENTAL LIABILITY.

6-904. EXCEPTIONS TO GOVERNMENTAL LIABILITY. A governmental entity and its employees while acting within the course and scope of their employment and without malice or criminal intent shall not be liable for any claim which: 1. Arises out of any act or omission of an employee of the governmental entity exercising ordinary care, in reliance upon or the execution or performance of a statutory or regulatory function, whether or not the statute or regulation be valid, or based upon the exercise or performance or the failure to exercise or perform a discretionary function or duty on the part of a governmental entity or employee thereof, whether or not the discretion be abused. 2. Arises out of the imposition or establishment of a quarantine by a governmental entity, whether such quarantine relates to persons or property. 3. Arises out of assault, battery, false imprisonment, false arrest, malicious prosecution, abuse of process, libel, slander, misrepresentation, deceit, or interference with contract rights. 4. Arises out of the activities of the Idaho national guard when engaged in training or duty under sections 316, 502, 503, 504, 505 or 709, title 32, United States Code. 5. Arises out of the activities of the Idaho national guard when engaged in combatant activities during a time of war. 6. Arises out of or results from riots, unlawful assemblies, public demonstrations, mob violence or civil disturbances. 7. Arises out of a plan or design for construction or improvement to the highways, roads, streets, bridges, or other public property where such plan or design is prepared in substantial conformance with engineering or design standards in effect at the time of preparation of the plan or design or approved in advance of the construction by the legislative body of the governmental entity or by some other body or administrative agency, exercising discretion by authority to give such approval.  History: [6-904, added 1971, ch. 150, sec. 4, p. 743; am. 1974, ch. 167, sec. 1, p. 1423; am. 1978, ch. 272, sec. 3, p. 632; am. 1987, ch. 106, sec. 1, p. 218; am. 1987, ch. 361, sec. 4, p. 799; am. 1988, ch. 324, sec. 1, p. 983.]
ID Code § 6-904A (2021)
2021 Idaho Code|Title 6 - ACTIONS IN PARTICULAR CASES|Chapter 9 - TORT CLAIMS AGAINST GOVERNMENTAL ENTITIES|Section 6-904A - EXCEPTIONS TO GOVERNMENTAL LIABILITY.

6-904A. EXCEPTIONS TO GOVERNMENTAL LIABILITY. A governmental entity and its employees while acting within the course and scope of their employment and without malice or criminal intent and without reckless, willful and wanton conduct as defined in section 6-904C, Idaho Code, shall not be liable for any claim which: 1. Arises out of the assessment or collection of any tax or fee. 2. Arises out of injury to a person or property by a person under supervision, custody or care of a governmental entity or by or to a person who is on probation, or parole, or who is being supervised as part of a court imposed drug court program, or any work-release program, or by or to a person receiving services from a mental health center, hospital or similar facility.  History: [6-904A, added 1988, ch. 324, sec. 2, p. 984; am. 2004, ch. 227, sec. 1, p. 670.]
ID Code § 6-904B (2021)
2021 Idaho Code|Title 6 - ACTIONS IN PARTICULAR CASES|Chapter 9 - TORT CLAIMS AGAINST GOVERNMENTAL ENTITIES|Section 6-904B - EXCEPTIONS TO GOVERNMENTAL LIABILITY.

6-904B. EXCEPTIONS TO GOVERNMENTAL LIABILITY. A governmental entity and its employees while acting within the course and scope of their employment and without malice or criminal intent and without gross negligence or reckless, willful and wanton conduct as defined in section 6-904C, Idaho Code, shall not be liable for any claim which: 1. Arises out of the detention of any goods or merchandise by any law enforcement officer. 2. Arises out of the cancellation or rescission, or the failure to cancel or rescind, any motor vehicle registration and license plates for failure of the owner to verify or maintain motor vehicle liability insurance coverage. 3. Arises out of the issuance, denial, suspension or revocation of, or failure or refusal to issue, deny, suspend, or revoke a permit, license, certificate, approval, order or similar authorization. 4. Arises out of the failure to make an inspection, or the making of an inadequate inspection of any property, real or personal, other than the property of the governmental entity performing the inspection. 5. Arises out of any act or omission providing or failing to provide medical care to a prisoner or person in the custody of any city, county or state jail, detention center or correctional facility. 6. Arises out of a decision of the state commission of pardons and parole or its executive director when carrying out the business of the commission. 7. Arises out of a decision, act or omission of a city, county, the Idaho board of correction or Idaho department of correction when carrying out duties and responsibilities as set forth in chapter 8, title 20, Idaho Code. 8. Arises out of the operation of a sport shooting range as defined in section 6-2701, Idaho Code.  History: [6-904B, added 1988, ch. 324, sec. 3, p. 984; am. 1998, ch. 327, sec. 3, p. 1057; am. 2001, ch. 335, sec. 10, p. 1191; am. 2009, ch. 195, sec. 2, p. 630.]
ID Code § 6-904C (2021)
2021 Idaho Code|Title 6 - ACTIONS IN PARTICULAR CASES|Chapter 9 - TORT CLAIMS AGAINST GOVERNMENTAL ENTITIES|Section 6-904C - DEFINITIONS.

6-904C. DEFINITIONS. For the purposes of this chapter, and this chapter only, the following words and phrases shall be defined as follows: 1. "Gross negligence" is the doing or failing to do an act which a reasonable person in a similar situation and of similar responsibility would, with a minimum of contemplation, be inescapably drawn to recognize his or her duty to do or not do such act and that failing that duty shows deliberate indifference to the harmful consequences to others. 2. "Reckless, willful and wanton conduct" is present only when a person intentionally and knowingly does or fails to do an act creating unreasonable risk of harm to another, and which involves a high degree of probability that such harm will result.  History: [6-904C, added 1988, ch. 324, sec. 4, p. 985.]
ID Code § 6-905 (2021)
2021 Idaho Code|Title 6 - ACTIONS IN PARTICULAR CASES|Chapter 9 - TORT CLAIMS AGAINST GOVERNMENTAL ENTITIES|Section 6-905 - FILING CLAIMS AGAINST STATE OR EMPLOYEE — TIME.

6-905. FILING CLAIMS AGAINST STATE OR EMPLOYEE — TIME. All claims against the state arising under the provisions of this act and all claims against an employee of the state for any act or omission of the employee within the course or scope of his employment shall be presented to and filed with the secretary of state within one hundred eighty (180) days from the date the claim arose or reasonably should have been discovered, whichever is later.  History: [6-905, added 1971, ch. 150, sec. 5, p. 743; am. 1976, ch. 309, sec. 5, p. 1065; am. 1985, ch. 136, sec. 1, p. 373.]
ID Code § 6-906 (2021)
2021 Idaho Code|Title 6 - ACTIONS IN PARTICULAR CASES|Chapter 9 - TORT CLAIMS AGAINST GOVERNMENTAL ENTITIES|Section 6-906 - FILING CLAIMS AGAINST POLITICAL SUBDIVISION OR EMPLOYEE — TIME.

6-906. FILING CLAIMS AGAINST POLITICAL SUBDIVISION OR EMPLOYEE — TIME. All claims against a political subdivison [subdivision] arising under the provisions of this act and all claims against an employee of a political subdivision for any act or omission of the employee within the course or scope of his employment shall be presented to and filed with the clerk or secretary of the political subdivision within one hundred eighty (180) days from the date the claim arose or reasonably should have been discovered, whichever is later.  History: [6-906, added 1971, ch. 150, sec. 6, p. 743; am. 1976, ch. 309, sec. 6, p. 1065; am. 1985, ch. 136, sec. 2, p. 373.]
ID Code § 6-906A (2021)
2021 Idaho Code|Title 6 - ACTIONS IN PARTICULAR CASES|Chapter 9 - TORT CLAIMS AGAINST GOVERNMENTAL ENTITIES|Section 6-906A - TIME FOR FILING CLAIMS BY MINORS.

6-906A. TIME FOR FILING CLAIMS BY MINORS. No person who is a minor shall be required to present and file a claim against a governmental entity or its employee under this chapter until one hundred eighty (180) days after said person reaches the age of majority or six (6) years from the date the claim arose or should reasonably have been discovered, whichever is earlier.  History: [6-906A, added 1985, ch. 77, sec. 1, p. 151; am. 1994, ch. 349, sec. 1, p. 1110.]
ID Code § 6-907 (2021)
2021 Idaho Code|Title 6 - ACTIONS IN PARTICULAR CASES|Chapter 9 - TORT CLAIMS AGAINST GOVERNMENTAL ENTITIES|Section 6-907 - CONTENTS OF CLAIMS — FILING BY AGENT OR ATTORNEY — EFFECT OF INACCURACIES.

6-907. CONTENTS OF CLAIMS — FILING BY AGENT OR ATTORNEY — EFFECT OF INACCURACIES. All claims presented to and filed with a governmental entity shall accurately describe the conduct and circumstances which brought about the injury or damage, describe the injury or damage, state the time and place the injury or damage occurred, state the names of all persons involved, if known, and shall contain the amount of damages claimed, together with a statement of the actual residence of the claimant at the time of presenting and filing the claim and for a period of six (6) months immediately prior to the time the claim arose. If the claimant is incapacitated from presenting and filing his claim within the time prescribed or if the claimant is a minor or if the claimant is a nonresident of the state and is absent during the time within which his claim is required to be filed, the claim may be presented and filed on behalf of the claimant by any relative, attorney or agent representing the claimant. A claim filed under the provisions of this section shall not be held invalid or insufficient by reason of an inaccuracy in stating the time, place, nature or cause of the claim, or otherwise, unless it is shown that the governmental entity was in fact misled to its injury thereby.  History: [6-907, added 1971, ch. 150, sec. 7, p. 743.]
ID Code § 6-908 (2021)
2021 Idaho Code|Title 6 - ACTIONS IN PARTICULAR CASES|Chapter 9 - TORT CLAIMS AGAINST GOVERNMENTAL ENTITIES|Section 6-908 - RESTRICTION ON ALLOWANCE OF CLAIMS.

6-908. RESTRICTION ON ALLOWANCE OF CLAIMS. No claim or action shall be allowed against a governmental entity or its employee unless the claim has been presented and filed within the time limits prescribed by this act.  History: [6-908, added 1971, ch. 150, sec. 8, p. 743; am. 1976, ch. 309, sec. 7, p. 1065.]
ID Code § 6-909 (2021)
2021 Idaho Code|Title 6 - ACTIONS IN PARTICULAR CASES|Chapter 9 - TORT CLAIMS AGAINST GOVERNMENTAL ENTITIES|Section 6-909 - TIME FOR ALLOWANCE OR DENIAL OF CLAIMS — EFFECT OF FAILURE TO ACT.

6-909. TIME FOR ALLOWANCE OR DENIAL OF CLAIMS — EFFECT OF FAILURE TO ACT. Within ninety (90) days after the filing of the claim against the governmental entity or its employee, the governmental entity shall act thereon and notify the claimant in writing of its approval or denial. A claim shall be deemed to have been denied if at the end of the ninety (90) day period the governmental entity has failed to approve or deny the claim.  History: [6-909, added 1971, ch. 150, sec. 9, p. 743; am. 1976, ch. 309, sec. 8, p. 1066; am. 1978, ch. 272, sec. 4, p. 633.]
ID Code § 6-910 (2021)
2021 Idaho Code|Title 6 - ACTIONS IN PARTICULAR CASES|Chapter 9 - TORT CLAIMS AGAINST GOVERNMENTAL ENTITIES|Section 6-910 - SUIT ON DENIED CLAIMS PERMITTED.

6-910. SUIT ON DENIED CLAIMS PERMITTED. If the claim is denied, a claimant may institute an action in the district court against the governmental entity or its employee in those circumstances where an action is permitted by this act.  History: [6-910, added 1971, ch. 150, sec. 10, p. 743; am. 1976, ch. 309, sec. 9, p. 1066.]
ID Code § 6-911 (2021)
2021 Idaho Code|Title 6 - ACTIONS IN PARTICULAR CASES|Chapter 9 - TORT CLAIMS AGAINST GOVERNMENTAL ENTITIES|Section 6-911 - LIMITATION OF ACTIONS.

6-911. LIMITATION OF ACTIONS. Every claim against a governmental entity permitted under the provisions of this act or against an employee of a governmental entity shall be forever barred, unless an action is begun within two (2) years after the date the claim arose or reasonably should have been discovered, whichever is later.  History: [6-911, added 1971, ch. 150, sec. 11, p. 743; am. 1976, ch. 309, sec. 10, p. 1066; am. 1985, ch. 136, sec. 3, p. 373.]
ID Code § 6-912 (2021)
2021 Idaho Code|Title 6 - ACTIONS IN PARTICULAR CASES|Chapter 9 - TORT CLAIMS AGAINST GOVERNMENTAL ENTITIES|Section 6-912 - COMPROMISE AND SETTLEMENT BY GOVERNING BODY.

6-912. COMPROMISE AND SETTLEMENT BY GOVERNING BODY. The governing body of each political subdivision, after conferring with its legal officer or counsel, may compromise and settle any claim allowed by this act, subject to the terms of the insurance, if any.  History: [6-912, added 1971, ch. 150, sec. 12, p. 743.]
ID Code § 6-913 (2021)
2021 Idaho Code|Title 6 - ACTIONS IN PARTICULAR CASES|Chapter 9 - TORT CLAIMS AGAINST GOVERNMENTAL ENTITIES|Section 6-913 - COMPROMISE AND SETTLEMENT BY BOARD OF EXAMINERS.

6-913. COMPROMISE AND SETTLEMENT BY BOARD OF EXAMINERS. The board of examiners may compromise and settle any claim allowed by this act, subject to the terms of the insurance, if any.  History: [6-913, added 1971, ch. 150, sec. 13, p. 743.]
ID Code § 6-914 (2021)
2021 Idaho Code|Title 6 - ACTIONS IN PARTICULAR CASES|Chapter 9 - TORT CLAIMS AGAINST GOVERNMENTAL ENTITIES|Section 6-914 - JURISDICTION — RULES OF PROCEDURE.

6-914. JURISDICTION — RULES OF PROCEDURE. The district court shall have jurisdiction over any action brought under this act and such actions shall be governed by the Idaho rules of civil procedure insofar as they are consistent with this act.  History: [6-914, added 1971, ch. 150, sec. 14, p. 743.]
ID Code § 6-915 (2021)
2021 Idaho Code|Title 6 - ACTIONS IN PARTICULAR CASES|Chapter 9 - TORT CLAIMS AGAINST GOVERNMENTAL ENTITIES|Section 6-915 - VENUE.

6-915. VENUE. Actions against the state or its employee shall be brought in the county in which the cause of action arose or in Ada County. In addition, a resident of the state of Idaho may bring an action in the county of his residence. Actions against a political subdivision or its employee shall be brought in the county in which the cause of action arose or in any county where the political subdivision is located.  History: [6-915, added 1971, ch. 150, sec. 15, p. 743; am. 1976, ch. 309, sec. 11, p. 1066.]
ID Code § 6-916 (2021)
2021 Idaho Code|Title 6 - ACTIONS IN PARTICULAR CASES|Chapter 9 - TORT CLAIMS AGAINST GOVERNMENTAL ENTITIES|Section 6-916 - SERVICE OF SUMMONS.

6-916. SERVICE OF SUMMONS. In all actions under this act against the state or its employee the summons and complaint shall be served on the secretary of state with a copy to the attorney general. This section shall not be construed to release the party making service of process from serving any named defendant other than the governmental entity in compliance with other applicable statutes or rules of civil proceeding. In all actions under this act against any employee wherein it is alleged that such employee was acting within the course and scope of his employment, a copy of the summons and complaint shall be served upon the governmental entity which is his employer.  History: [6-916, added 1971, ch. 150, sec. 16, p. 743; am. 1976, ch. 309, sec. 12, p. 1067; am. 1978, ch. 272, sec. 5, p. 633.]
ID Code § 6-917 (2021)
2021 Idaho Code|Title 6 - ACTIONS IN PARTICULAR CASES|Chapter 9 - TORT CLAIMS AGAINST GOVERNMENTAL ENTITIES|Section 6-917 - RECOVERY AGAINST GOVERNMENTAL ENTITY BAR TO ACTION AGAINST EMPLOYEE.

6-917. RECOVERY AGAINST GOVERNMENTAL ENTITY BAR TO ACTION AGAINST EMPLOYEE. Recovery against a governmental entity under the provisions of this act shall constitute a complete bar to any action by the claimant, by reason of the same subject matter, against the employee whose negligence or wrongful act or omission gave rise to the claim.  History: [6-917, added 1971, ch. 150, sec. 17, p. 743.]
ID Code § 6-918 (2021)
2021 Idaho Code|Title 6 - ACTIONS IN PARTICULAR CASES|Chapter 9 - TORT CLAIMS AGAINST GOVERNMENTAL ENTITIES|Section 6-918 - NO PUNITIVE DAMAGES.

6-918. NO PUNITIVE DAMAGES. Governmental entities and their employees shall not be liable for punitive damages on any claim allowed under the provisions of this act.  History: [6-918, added 1971, ch. 150, sec. 18, p. 743; am. 1976, ch. 309, sec. 13, p. 1067.]
ID Code § 6-918A (2021)
2021 Idaho Code|Title 6 - ACTIONS IN PARTICULAR CASES|Chapter 9 - TORT CLAIMS AGAINST GOVERNMENTAL ENTITIES|Section 6-918A - ATTORNEYS’ FEES.

6-918A. ATTORNEYS’ FEES. At the time and in the manner provided for fixing costs in civil actions, and at the discretion of the trial court, appropriate and reasonable attorney fees may be awarded to the claimant, the governmental entity or the employee of such governmental entity, as costs, in actions under this act, upon petition therefor and a showing, by clear and convincing evidence, that the party against whom or which such award is sought was guilty of bad faith in the commencement, conduct, maintenance or defense of the action. In no case shall such attorney fee award or any combination or total of such awards, together with other costs and money judgment or judgments for damages exceed, in the aggregate, the limitations on liability fixed by section 6-926, Idaho Code. The right to recover attorney fees in legal actions for money damages that come within the purview of this act shall be governed exclusively by the provisions of this act and not by any other statute or rule of court, except as may be hereafter expressly and specifically provided or authorized by duly enacted statute of the state of Idaho.  History: [6-918A, added 1978, ch. 272, sec. 6, p. 633.]
ID Code § 6-919 (2021)
2021 Idaho Code|Title 6 - ACTIONS IN PARTICULAR CASES|Chapter 9 - TORT CLAIMS AGAINST GOVERNMENTAL ENTITIES|Section 6-919 - LIABILITY INSURANCE FOR STATE — COMPREHENSIVE PLAN BY DIVISION OF INSURANCE MANAGEMENT.

6-919. LIABILITY INSURANCE FOR STATE — COMPREHENSIVE PLAN BY DIVISION OF INSURANCE MANAGEMENT. The administrator of the division of insurance management in the department of administration shall provide a comprehensive liability plan which will cover and protect the state and its employees from claims and civil lawsuits. He shall be responsible for the acquisition and administration of all liability insurance of the state or for the use of the retained risk account provided in section 67-5776, Idaho Code, to meet the obligations of the comprehensive liability plan. The administrator shall, after consultation with the departments, agencies, commissions, and other instrumentalities of the state, provide a comprehensive liability plan for the state providing liability coverage to the state and its employees in amounts not less than the minimum specified in section 6-924, Idaho Code. He shall have the authority to use the retained risk account provided in section 67-5776, Idaho Code, or to purchase, renew, cancel and modify all policies according to the comprehensive liability plan.  History: [6-919, added 1971, ch. 150, sec. 19, p. 743; am. 1974, ch. 34, sec. 9, p. 988; am. 1974, ch. 252, sec. 7, p. 1674; am. 1976, ch. 310, sec. 1, p. 1069; am. 1980, ch. 106, sec. 1, p. 231.]
ID Code § 6-920 (2021)
2021 Idaho Code|Title 6 - ACTIONS IN PARTICULAR CASES|Chapter 9 - TORT CLAIMS AGAINST GOVERNMENTAL ENTITIES|Section 6-920 - LIABILITY INSURANCE FOR STATE PROCURED BY DIVISION OF INSURANCE MANAGEMENT.

6-920. LIABILITY INSURANCE FOR STATE PROCURED BY DIVISION OF INSURANCE MANAGEMENT. No state agency or institution other than the administrator of the division of insurance management in the department of administration may procure liability insurance under this act. All state agencies and institutions shall comply with this act and the comprehensive liability plan developed by the administrator of the division.  History: [6-920, added 1971, ch. 150, sec. 20, p. 743; am. 1974, ch. 34, sec. 10, p. 988; am. 1974, ch. 252, sec. 8, p. 1674; am. 1976, ch. 310, sec. 2, p. 1070; am. 1980, ch. 106, sec. 2, p. 232.]
ID Code § 6-921 (2021)
2021 Idaho Code|Title 6 - ACTIONS IN PARTICULAR CASES|Chapter 9 - TORT CLAIMS AGAINST GOVERNMENTAL ENTITIES|Section 6-921 - APPORTIONMENT OF COST OF STATE PLAN.

6-921. APPORTIONMENT OF COST OF STATE PLAN. The administrator of the division of insurance management in the department of administration shall apportion the cost of the comprehensive liability plan under this act to the individual agencies and institutions and the costs shall be paid to the departments.  History: [6-921, added 1971, ch. 150, sec. 21, p. 743; am. 1974, ch. 34, sec. 11, p. 988; am. 1974, ch. 252, sec. 9, p. 1674; am. 1976, ch. 310, sec. 3, p. 1070; am. 1980, ch. 106, sec. 3, p. 232.]
ID Code § 6-922 (2021)
2021 Idaho Code|Title 6 - ACTIONS IN PARTICULAR CASES|Chapter 9 - TORT CLAIMS AGAINST GOVERNMENTAL ENTITIES|Section 6-922 - PAYMENT BY STATE OF CLAIMS OR JUDGMENTS WHEN NO INSURANCE.

6-922. PAYMENT BY STATE OF CLAIMS OR JUDGMENTS WHEN NO INSURANCE. In the event no insurance has been procured by the state to pay a claim or judgment arising under the provisions of this act, the claim or judgment shall be paid from the next appropriation of the state instrumentality whose tortious conduct gave rise to the claim.  History: [6-922, added 1971, ch. 150, sec. 22, p. 743.]
ID Code § 6-923 (2021)
2021 Idaho Code|Title 6 - ACTIONS IN PARTICULAR CASES|Chapter 9 - TORT CLAIMS AGAINST GOVERNMENTAL ENTITIES|Section 6-923 - AUTHORITY OF POLITICAL SUBDIVISIONS TO PURCHASE INSURANCE.

6-923. AUTHORITY OF POLITICAL SUBDIVISIONS TO PURCHASE INSURANCE. All political subdivisions of the state shall have the authority to purchase the necessary liability insurance for themselves and their employees.  History: [6-923, added 1971, ch. 150, sec. 23, p. 743; am. 1976, ch. 310, sec. 4, p. 1070.]
ID Code § 6-924 (2021)
2021 Idaho Code|Title 6 - ACTIONS IN PARTICULAR CASES|Chapter 9 - TORT CLAIMS AGAINST GOVERNMENTAL ENTITIES|Section 6-924 - POLICY LIMITS — MINIMUM REQUIREMENTS.

6-924. POLICY LIMITS — MINIMUM REQUIREMENTS. Every policy or contract of insurance or comprehensive liability plan of a governmental entity as permitted under the provisions of this chapter shall provide that the insurance carrier pay on behalf of the insured governmental entity or its employee to a limit of not less than five hundred thousand dollars ($500,000) for bodily or personal injury, death, or property damage or loss as the result of any one (1) occurrence or accident, regardless of the number of persons injured or the number of claimants.  History: [6-924, added 1971, ch. 150, sec. 24, p. 743; am. 1976, ch. 309, sec. 14, p. 1067; am. 1976, ch. 310, sec. 5, p. 1070; am. 1984, ch. 96, sec. 1, p. 221.]
ID Code § 6-925 (2021)
2021 Idaho Code|Title 6 - ACTIONS IN PARTICULAR CASES|Chapter 9 - TORT CLAIMS AGAINST GOVERNMENTAL ENTITIES|Section 6-925 - POLICY TERMS NOT COMPLYING WITH ACT — CONSTRUCTION — EXCEPTION.

6-925. POLICY TERMS NOT COMPLYING WITH ACT — CONSTRUCTION — EXCEPTION. Any insurance policy, rider or indorsement hereafter issued and purchased to insure against any risk which may arise as a result of the application of this act, which contains any condition or provision not in compliance with the requirements of the act, shall not be rendered invalid thereby, but shall be construed and applied in accordance with such conditions and provisions as would have applied had such policy, rider or indorsement been in full compliance with this act, provided the policy is otherwise valid. The section shall not be construed to prohibit any such insurance policy, rider or indorsements from containing standard and customary exclusions of coverages which the insurance commissioner deems to be reasonable and prudent upon considering the availability and the cost of such insurance coverages.  History: [6-925, added 1971, ch. 150, sec. 25, p. 743.]