reglab/housing_qa huggingface dataset:
MN Stat § 72B.06 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 72B — Insurance Adjusters|Section 72B.06 — Catastrophe Or Emergency Situations.

72B.06 CATASTROPHE OR EMERGENCY SITUATIONS. (a) For purposes of this chapter, a catastrophe exists when, due to a specific, infrequent, and sudden natural or man-made disaster or phenomenon, there have arisen losses to property in Minnesota that are covered by insurance, and the losses are so numerous and severe that resolution of claims related to such covered property losses will not occur expeditiously without the licensing of emergency independent adjusters due to the magnitude of the catastrophic damage. A failure of claims to be resolved expeditiously shall exist upon an insurer's filing with the department a written statement that one of the following conditions exists: (1) the insurer expects to incur at least 500 claims as a result of the event; or (2) the magnitude of the event is expected to generate twice the mean number of claims for one month for the affected area. Such written statement may be sent electronically to the commissioner. An insurer must notify the commissioner via registration of each independent adjuster not already licensed in Minnesota, that will act as an emergency independent adjuster on behalf of the insurer pursuant to paragraph (b). (b) A person who is otherwise qualified to adjust claims, but not already licensed in Minnesota, may act as an emergency independent adjuster and adjust claims, if, within five days of deployment to adjust claims arising from the catastrophe, the insurer or the independent adjuster's employer, in the notification required by paragraph (a), notifies the commissioner by providing the following information in a format prescribed by the commissioner: (1) the name of the individual; (2) the Social Security number of the individual; (3) the name of the insurer the independent adjuster will represent; (4) the effective date of the contract between the insurer and independent adjuster or the independent adjuster's employer; (5) the catastrophe loss control number; (6) the catastrophe name; and (7) other information the commissioner deems necessary. (c) An emergency independent adjuster's license or registration remains in force for 180 days; such license or registration shall be effective for all catastrophes described in paragraph (a), clauses (1) and (2). Such license or registration may be extended for 180 days. The commissioner may summarily suspend or revoke the right of any person adjusting in this state under the authority of this section to continue to adjust in this state, if the commissioner finds that that person has engaged in any of the practices forbidden to a licensed adjuster under sections 72B.01 to 72B.14. Notice of such suspension or revocation may be given personally or by mail sent to the temporary address stated in the registration and to the insurer or independent adjusting company who submitted the independent adjuster information. History:  1971 c 704 s 6; 1986 c 444; 2009 c 63 s 48,78; 2010 c 384 s 39
MN Stat § 72B.091 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 72B — Insurance Adjusters|Section 72B.091 — Damage Appraisals; Adjustments; Duties Of Appraisers, Adjusters, And Insurers.

72B.091 DAMAGE APPRAISALS; ADJUSTMENTS; DUTIES OF APPRAISERS, ADJUSTERS, AND INSURERS. Subdivision 1. Appraiser's identification. Each appraiser while engaged in appraisal duties shall carry appraiser identification and shall display it upon request to an owner whose vehicle is being inspected, to the repair shop representative involved, or to any commissioner of commerce's representative. Subd. 2. Appraisal; copies and content. The appraiser shall provide one legible copy of the appraisal to the vehicle owner and one legible copy of the appraisal to the repair shop designated by the owner if requested by the repair shop. The motor vehicle repair shop shall provide the vehicle owner and the insurance company or companies involved in the loss one legible copy of the appraisal. This appraisal shall include an itemized listing of those parts to be repaired and those parts to be replaced by new, used, rebuilt, reconditioned or replated parts. The appraisal shall contain the name of the insurance company ordering it, if any, the insurance company's address and telephone number, its file number, the appraiser's name, telephone number, and the proper identification of the vehicle being inspected. The appraisal shall indicate all significant old and unrelated damages and shall include an itemized listing of all damages, specifying those parts to be repaired and those parts to be replaced by new, used, rebuilt, reconditioned, or replated parts. The appraisal must disclose to the vehicle owner any parts to be used, other than window glass, which are not original equipment parts or which are not covered by the manufacturer's warranty on such parts. Subd. 3. No specified repairer. No appraiser, adjuster, or that person's employer shall require that repairs be made in any specified repair facility. Subd. 4. Reinspections. Each appraiser shall promptly reinspect damaged vehicles when supplementary allowances are requested by the repair shop or when the amount or extent of damages is in dispute. Reinspection of any damage on a damaged vehicle may be waived if authorized by the insurer by any oral or written communication. Subd. 5. Auto salvage. No appraiser or adjuster for personal gain shall receive or trade in auto salvage if the salvage is obtained as a result of that person's appraisals. History:  1980 c 456 s 2; 1983 c 289 s 114 subd 1; 1984 c 655 art 1 s 92; 1986 c 444; 1987 c 64 s 2
MN Stat § 72B.092 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 72B — Insurance Adjusters|Section 72B.092 — Motor Vehicle Insurance Adjustments; Prohibitions.

72B.092 MOTOR VEHICLE INSURANCE ADJUSTMENTS; PROHIBITIONS. Subdivision 1. Prohibitions on insurer. No adjuster or insurer, director, officer, broker, agent, attorney-in-fact, employee, or other representative of an insurer shall in collision cases: (1) limit the freedom of an insured or claimant to choose the shop; (2) require that an insured or claimant present the claim or the automobile for loss adjustment or inspection at a "drive-in" claim center or any other similar facility solely under the control of the insurer; (3) engage in boycotts, intimidation or coercive tactics in negotiating repairs to damaged motor vehicles which they insure or are liable to claimants to have repaired; (4) attempt to secure, except in an emergency, the insured's or claimant's signature authorizing the party securing the signature to act in behalf of the insured or claimant in selection of a repair shop facility; (5) adjust a damage appraisal of a repair shop when the extent of damage is in dispute without conducting a physical inspection of the vehicle; (6) specify the use of a particular vendor for the procurement of parts or other materials necessary for the satisfactory repair of the vehicle. This clause does not require the insurer to pay more than a reasonable market price for parts of like kind and quality in adjusting a claim; or (7) unilaterally and arbitrarily disregard a repair operation or cost identified by an estimating system, which an insurer and collision repair facility have agreed to utilize in determining the cost of repair. Subd. 2. Boycotts. No motor vehicle repair shop shall in any way coerce, or intimidate a motor vehicle owner to boycott an insurer's "drive-in" claim center or similar facility. Subd. 3. Owner's signature. No motor vehicle repair shop shall attempt to secure, except in an emergency, the vehicle owner's signature authorizing the party securing the signature to act in behalf of the owner in selection of a repair shop. Subd. 4. Access to repair shop. An insurer's representative shall not be unreasonably denied access to a motor vehicle repair shop during normal business hours for the purpose of inspecting or reinspecting damaged vehicles. Subd. 5. Storage and towing charges. When a damaged vehicle is towed to a motor vehicle repair shop, the storage and towing charges shall not exceed the usual and customary charges for the towing and storage of undamaged vehicles in the area except if the vehicle, due to its damaged condition, requires special handling in the towing or storage, an added charge may be made. History:  1980 c 456 s 3; 1986 c 444; 2007 c 80 s 1; 2008 c 284 s 1
MN Stat § 72B.10 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 72B — Insurance Adjusters|Section 72B.10 — Staff Adjusters.

72B.10 STAFF ADJUSTERS. A staff adjuster who adjusts losses or claims in this state shall not be subject to the application, licensing, or examination requirements or other qualifications set forth in sections 72B.01 to 72B.14. Such a staff adjuster shall not, however, engage in any of the practices forbidden to a licensee under section 72B.08, subdivision 1, clauses (3) through (15). If the commissioner has information, which if true, would establish that a staff adjuster has engaged or is engaging in any such prohibited practices, the commissioner may issue an order for a hearing to determine the facts involved. The order shall fix the time and place for hearing. The staff adjuster and one or more representatives of the insurer or insurers employing the staff adjuster shall make an appearance at the hearing unless the commissioner expressly waives the appearance of one or more such parties. If, following the hearing, the commissioner determines that the staff adjuster has engaged or is engaging in any prohibited practices, the commissioner may impose a fine, not in excess of $500, on the staff adjuster or on the employing insurer or insurers, or on both such parties. In addition, the commissioner may order the employing insurer to suspend the staff adjuster from all duties for such period as the commissioner may deem appropriate. Any final order of the commissioner shall be subject to judicial review. Any hearing or judicial review under this section shall be in accordance with the contested case provisions of chapter 14. History:  1971 c 704 s 10; 1979 c 141 s 8; 1982 c 424 s 130; 1986 c 444; 2013 c 135 art 1 s 2
MN Stat § 72B.105 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 72B — Insurance Adjusters|Section 72B.105 — Records Of Independent Adjusters To Be Retained.

72B.105 RECORDS OF INDEPENDENT ADJUSTERS TO BE RETAINED. An independent adjuster must maintain a copy of each contract between the independent adjuster and the insurer or self-insurer and comply with the record retention policy as agreed to in that contract. History:   2009 c 63 s 52,78
MN Stat § 72B.106 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 72B — Insurance Adjusters|Section 72B.106 — Standards Of Conduct Of Independent Adjusters.

72B.106 STANDARDS OF CONDUCT OF INDEPENDENT ADJUSTERS. (a) An independent adjuster must be honest and fair in all communications with the insured, the insurer, and the public. (b) An independent adjuster must give policyholders and claimants prompt, knowledgeable service and courteous, fair, and objective treatment at all times. (c) An independent adjuster must not give legal advice and must not deal directly with any policyholder or claimant who is represented by legal counsel without the consent for the legal counsel involved. (d) An independent adjuster must comply with all local, state, and federal privacy and information security laws, if applicable. (e) An independent adjuster must identify as an independent adjuster and, if applicable, identify the independent adjuster's employer when dealing with any policyholder or claimant. (f) An independent adjuster must not have any financial interest in any adjustment or acquire for the independent adjuster or any person any interest or title in salvage, without first receiving written authority from the principal. History:   2009 c 63 s 53,78
MN Stat § 72B.107 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 72B — Insurance Adjusters|Section 72B.107 — Reporting Of Actions Of Adjuster.

72B.107 REPORTING OF ACTIONS OF ADJUSTER. (a) An adjuster must report to the commissioner any administrative action taken against the adjuster in another jurisdiction or by another governmental agency in this state within 30 days of the final disposition of the matter. The report must include a copy of the order or consent order and any other relevant legal documents. (b) An adjuster must report to the commissioner any criminal action taken against the adjuster in this or any jurisdiction within 30 days of the final disposition of the criminal matter. The report must include a copy of the initial complaint filed, the final order issued by the court, and any other relevant legal documents. History:  2009 c 63 s 54,78
MN Stat § 72B.11 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 72B — Insurance Adjusters|Section 72B.11 — Production Of Records.

72B.11 PRODUCTION OF RECORDS. The commissioner may, by order, require any licensee or permit holder to produce any records relating to activities under that person's license or permit, and may examine persons under oath to determine questions arising under a person's status as a licensee or permit holder. History:  1971 c 704 s 11; 1986 c 444
MN Stat § 72B.12 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 72B — Insurance Adjusters|Section 72B.12 — Rules.

72B.12 RULES. The commissioner may promulgate rules to carry out the purpose of sections 72B.01 to 72B.14, pursuant to chapter 14. History:  1971 c 704 s 12; 1982 c 424 s 130; 1985 c 248 s 70
MN Stat § 72B.13 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 72B — Insurance Adjusters|Section 72B.13 — Acting Within Contract And Law.

72B.13 ACTING WITHIN CONTRACT AND LAW. Every adjuster shall investigate or adjust every claim, damage or loss made or occurring under an insurance contract in accordance with the terms and conditions of the contract and of the applicable laws of this state. History:   1971 c 704 s 13
MN Stat § 72B.136 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 72B — Insurance Adjusters|Section 72B.136 — Escrow Or Trust Accounts.

72B.136 ESCROW OR TRUST ACCOUNTS. A public adjuster who receives, accepts, or holds any funds on behalf of an insured, towards the settlement of a claim for loss or damage, shall deposit the funds in a non-interest-bearing escrow or trust account in a financial institution that is insured by an agency of the federal government in the public adjuster's home state or where the loss occurred. History:  2009 c 63 s 58,78
MN Stat § 72C.01 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 72C — Readability Of Insurance Policies|Section 72C.01 — Citation.

72C.01 CITATION. Sections 72C.01 to 72C.13 may be cited as the "Readability of Insurance Policies Act." History:   1977 c 345 s 1
MN Stat § 72C.02 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 72C — Readability Of Insurance Policies|Section 72C.02 — Purpose.

72C.02 PURPOSE. The purpose of sections 72C.01 to 72C.13 is to provide that insurance policies and contracts be readable and understandable to a person of average intelligence, experience, and education. All insurers shall be required by sections 72C.01 to 72C.13 to use policy and contract forms which are written in simple and commonly used language, which are logically and clearly arranged, which are printed in a legible format, and which are generally understandable. It is not the intent of sections 72C.01 to 72C.13 to mandate, require or allow alteration of the legal effect of any provision of any insurance policy or contract. History:   1977 c 345 s 2
MN Stat § 72C.03 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 72C — Readability Of Insurance Policies|Section 72C.03 — Scope.

72C.03 SCOPE. Except as otherwise specifically provided, sections 72C.01 to 72C.13 shall apply to all policies or contracts of direct insurance, issued by persons authorized at any time to transact insurance in this state and including nonprofit health service plan corporations under chapter 62C, health maintenance organizations under chapter 62D, and fraternal benefit societies under chapter 64B. Sections 72C.01 to 72C.13 shall not apply to insurance as described in the master contract for any policy of group insurance when the group consists of ten or more persons. Sections 72C.01 to 72C.13 shall not apply to policies or contracts issued prior to July 1, 1980, under which there is no unilateral right of the insurer to cancel, nonrenew, amend or change in any way, unless the policy or contract is amended or changed by mutual agreement of the parties. Sections 72C.01 to 72C.13 shall not apply to an insurance policy or contract which is a security subject to federal jurisdiction, nor shall they apply to a new policy or contract written in language other than English. History:  1977 c 345 s 3; 1980 c 353 s 1; 1985 c 49 s 41; 1992 c 564 art 1 s 54; 1995 c 186 s 18; 1996 c 305 art 1 s 25
MN Stat § 72C.04 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 72C — Readability Of Insurance Policies|Section 72C.04 — Definitions.

72C.04 DEFINITIONS. Subdivision 1. Scope. For purposes of sections 72C.01 to 72C.13, the following terms shall have the meanings given them. Subd. 2. Commissioner. "Commissioner" means the commissioner of commerce or a designated agent. Subd. 3. Flesch scale analysis readability score. "Flesch scale analysis readability score" means a measurement of the ease of readability of a policy or contract made pursuant to the procedures prescribed in section 72C.09. Subd. 4. Insurance policy or contract; policy. "Insurance policy or contract" or "policy" means any written agreement within the scope of sections 72C.01 to 72C.13 whereby one person, for consideration, undertakes to indemnify another person or persons to a specified amount against loss or damages from specified causes, or to do some act of value to the insured in case of specified loss or damage. The agreements specifically include a nonprofit health service plan subscriber contract under chapter 62C, a health maintenance contract under chapter 62D, and a membership certificate in a fraternal benefit society under chapter 64B. Subd. 5. Insurer. "Insurer" means every person entering insurance policies or contracts as a principal. Subd. 6. Legible type. "Legible type" means a type face at least as large as ten-point modern type, one point leaded. Subd. 7. Person. "Person" means any individual, corporation, partnership, association, business trust or voluntary organization. History:  1977 c 345 s 4; 1983 c 289 s 114 subd 1; 1984 c 655 art 1 s 92; 1985 c 49 s 41; 1986 c 444; 1992 c 564 art 1 s 54; 1995 c 186 s 19
MN Stat § 72C.05 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 72C — Readability Of Insurance Policies|Section 72C.05 — Cover Sheet.

72C.05 COVER SHEET. Subdivision 1. Requirement. All insurance policies or contracts described in section 72C.11, clauses (a) and (b) issued, amended or renewed after July 1, 1978 and before the filing requirements of section 72C.10 take effect shall contain as the first page or first page of text, if it is preceded by a title page or pages, a cover sheet or sheets as provided in this section. Subd. 2. Form and content. The cover sheet or sheets shall be printed in legible type and readable language, as provided in section 72C.06, and shall contain at least the following: (a) A brief statement that the policy is a legal contract between the policy owner and the company; (b) The statement "READ YOUR POLICY CAREFULLY. This cover sheet provides only a brief outline of some of the important features of your policy. This is not the insurance contract and only the actual policy provisions will control. The policy itself sets forth, in detail, the rights and obligations of both you and your insurance company. IT IS THEREFORE IMPORTANT THAT YOU READ YOUR POLICY CAREFULLY."; and (c) An index of the major provisions of the policy or contract and the pages on which they are found which may include the following items: (1) the person or persons insured by the policy; (2) the applicable events, occurrences, conditions, losses or damages covered by the policy; (3) the limitations or conditions on the coverage of the policy; (4) definitional sections of the policy; (5) provisions governing the procedure for filing a claim under the policy; (6) provisions governing cancellation, renewal, or amendment of the policy by either the insurer or the policy owner; (7) any options under the policy; and (8) provisions governing the insurer's duties and powers in the event that suit is filed against the insured. Subd. 3. Coverage summary. The cover sheet may include, either as part of the index or as a separate section, a brief summary of the extent and types of coverage in the policy. Subd. 4. Filing and approval. No cover sheet shall be used unless it has been filed with and approved by the commissioner. The cover sheet shall be deemed approved 30 days after filing unless disapproved by the commissioner within the 30-day period, subject to a reasonable extension of time as the commissioner may require by notice given within the 30-day period. The commissioner shall disapprove any cover sheet which does not meet the requirements of this section. Any disapproval shall be delivered to the insurer in writing, stating the grounds therefor. Subd. 5. Alternative compliance. In lieu of the cover sheet required by this section, the insurer may file a policy or contract with the commissioner under the provisions of sections 72C.06 to 72C.08. History:   1977 c 345 s 5
MN Stat § 72C.06 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 72C — Readability Of Insurance Policies|Section 72C.06 — Readability.

72C.06 READABILITY. Subdivision 1. Requirement. All insurance policies filed with the commissioner pursuant to section 72C.11 shall be written in language easily readable and understandable by a person of average intelligence and education. Subd. 2. Compliance factors. In determining whether a policy or contract is readable within the meaning of this section the commissioner shall consider, at least, the following factors: (a) the simplicity of the sentence structure and the shortness of the sentences used; (b) the extent to which commonly used and understood words are employed; (c) the extent to which legal terms are avoided; (d) the extent to which references to other sections or provisions of the contract are minimized; (e) the extent to which definitional provisions are incorporated in the text of the policy or contract; and (f) any additional factors relevant to the readability or understandability of an insurance policy or contract which the commissioner may prescribe by rule. History:   1977 c 345 s 6
MN Stat § 72C.07 (2021)
2021 Minnesota Statutes|Chapters 59A - 79A — Insurance|Chapter 72C — Readability Of Insurance Policies|Section 72C.07 — Legibility.

72C.07 LEGIBILITY. Subdivision 1. Requirement. All insurance policies covered by section 72C.11 shall be printed in legible type and in a type face style approved by the commissioner. Subd. 2. Compliance factors. In determining whether a policy or contract is legible the commissioner shall consider, in addition to the requirements of subdivision 1 relating to type face size and style, the following factors: (a) margin size; (b) contrast and legibility of the color of the ink and paper; (c) the amount and use of space to separate sections of the policy; (d) the use of contrasting titles or headings for sections or similar aids; and (e) any additional factors relevant to legibility which the commissioner may prescribe by rule. History:  1977 c 345 s 7; 1986 c 444; 1996 c 305 art 2 s 8