reglab/housing_qa huggingface dataset:
MT Code § 33-15-604 (2021)
2021 Montana Code Annotated|Title 33. Insurance and Insurance Companies|Chapter 15. The Insurance Contract|Part 6. Electronic Delivery of Insurance Notices or Documents|33-15-604. Withdrawal of consent to electronic delivery

  33-15-604. Withdrawal of consent to electronic delivery. (1) Withdrawal of consent to electronic delivery does not affect the legal effectiveness, validity, or enforceability of a notice or a document that is delivered by electronic means to a party before the withdrawal of consent is effective.   (2) (a) Except as provided in subsection (2)(b), withdrawal of consent by a party becomes effective 15 days after the insurer receives notice of the withdrawal pursuant to the insurer's noticed procedures.   (b) Except as provided in 33-15-603(2) or if a party updates contact information pursuant to the insurer's noticed procedures, a withdrawal becomes effective immediately upon the insurer learning that the electronic delivery method currently used is no longer an effective delivery mechanism with respect to the party.   (3) Failure by an insurer to comply with 33-15-603(2) may be treated, at the election of the party, as a withdrawal of consent, but the party shall communicate the withdrawal pursuant to the insurer's noticed procedures.   History: En. Sec. 4, Ch. 369, L. 2015.
MT Code § 33-15-605 (2021)
2021 Montana Code Annotated|Title 33. Insurance and Insurance Companies|Chapter 15. The Insurance Contract|Part 6. Electronic Delivery of Insurance Notices or Documents|33-15-605. Protection of information

  33-15-605. Protection of information. An insurer delivering a notice or a document by electronic means shall take appropriate and necessary measures reasonably calculated to ensure that the system for furnishing the notices or documents:   (1) results in actual receipt of transmitted information; and   (2) protects the confidentiality of personal information as defined in 33-19-104.   History: En. Sec. 5, Ch. 369, L. 2015.
MT Code § 33-15-606 (2021)
2021 Montana Code Annotated|Title 33. Insurance and Insurance Companies|Chapter 15. The Insurance Contract|Part 6. Electronic Delivery of Insurance Notices or Documents|33-15-606. Validity of electronic delivery

  33-15-606. Validity of electronic delivery. The legal effectiveness, validity, or enforceability of a contract or policy of insurance executed by a party may not be denied solely because the contract or policy was delivered by electronic means if the insurer has obtained the electronic consent of the party as required in 33-15-603.   History: En. Sec. 6, Ch. 369, L. 2015.
MT Code § 33-15-607 (2021)
2021 Montana Code Annotated|Title 33. Insurance and Insurance Companies|Chapter 15. The Insurance Contract|Part 6. Electronic Delivery of Insurance Notices or Documents|33-15-607. through 33-15-609 reserved

  33-15-607 through 33-15-609 reserved.
MT Code § 33-15-610 (2021)
2021 Montana Code Annotated|Title 33. Insurance and Insurance Companies|Chapter 15. The Insurance Contract|Part 6. Electronic Delivery of Insurance Notices or Documents|33-15-610. Application to other laws

  33-15-610. Application to other laws. The provisions of this part do not affect requirements related to content or timing of a notice or document required by laws affecting insurance policies, notices, or documents.   History: En. Sec. 7, Ch. 369, L. 2015.
MT Code § 33-15-611 (2021)
2021 Montana Code Annotated|Title 33. Insurance and Insurance Companies|Chapter 15. The Insurance Contract|Part 6. Electronic Delivery of Insurance Notices or Documents|33-15-611. Rulemaking

  33-15-611. Rulemaking. The commissioner may adopt rules necessary to implement the provisions of this part.   History: En. Sec. 8, Ch. 369, L. 2015.
MT Code § 33-15-1101 (2021)
2021 Montana Code Annotated|Title 33. Insurance and Insurance Companies|Chapter 15. The Insurance Contract|Part 11. Property or Casualty Insurance -- Premium Changes, Cancellation, and Claim Information|33-15-1101. Purpose -- applicability

  33-15-1101. Purpose -- applicability. (1) The purpose of this part is to protect the public with regard to insurance transactions that involve cancellation, renewal, nonrenewal, or premium increases on contracts of property or casualty insurance by:   (a) regulating the grounds for midterm cancellation of an insurance policy;   (b) except as provided in 33-15-1108, prohibiting midterm increases in premiums;   (c) increasing the opportunity for insureds to shop for replacement or substitute insurance;   (d) reducing the opportunity for breach of contract, misrepresentation by omission or untimely disclosure, and unfair discrimination among insureds; and   (e) increasing the opportunity for insurance producers to compete freely.   (2) This part applies to those forms of insurance defined in 33-1-206 and 33-1-210, except to the extent they conflict with chapter 23 of this title.   (3) This part does not limit the activities that may constitute undefined unfair trade practices prohibited by 33-18-1003. The commissioner may apply other provisions of this code to insurance transactions involving cancellation, renewal, nonrenewal, or premium increases on contracts of property or casualty insurance. Policies may provide terms more favorable to insureds than are required by this part. The rights provided by this part are in addition to and do not prejudice any other rights that the insured may have under common law, statutes, or rules.   History: En. Sec. 1, Ch. 120, L. 1987; amd. Sec. 1, Ch. 713, L. 1989; amd. Sec. 1, Ch. 501, L. 2003.
MT Code § 33-15-1102 (2021)
2021 Montana Code Annotated|Title 33. Insurance and Insurance Companies|Chapter 15. The Insurance Contract|Part 11. Property or Casualty Insurance -- Premium Changes, Cancellation, and Claim Information|33-15-1102. Definitions

  33-15-1102. Definitions. As used in this part, the following definitions apply unless the context requires otherwise:   (1) "Anniversary date" means the month and day that rates, rating plans, and rating systems are initially applied to a policy in effect. The term includes each annual anniversary thereafter unless the insurer establishes a different date by a filing with the commissioner.   (2) "Cancellation" means the decision by the insurer to terminate an insurance policy prior to the expiration of its term.   (3) "Classification" means an arrangement of insurance risks into an underwriting or rating group according to a classification system used by an insurer as a basis for tabulating statistical experience and determining premium rates.   (4) "Classification system" means a schedule of classifications and a rule used by an insurer for determining the classifications applicable to an insured.   (5) "Insurer" means an insurer authorized to transact property or casualty insurance in this state or an unauthorized insurer transacting surplus lines insurance in this state.   (6) "Premium" means the contractual consideration charged to an insured for insurance for a specified period of time, regardless of the timing of actual charges.   (7) "Rate" means a monetary amount applied to the units of exposure assigned to a classification and used by an insurer to determine the premium for an insured.   (8) "Rating plan" means a rule used by an insurer to calculate:   (a) the premium for an insured; and   (b) the parameter values used in such calculation after application of classification premium rates to units of exposure.   (9) "Renewal" means an agreement between an insurer and an insured to extend or continue an existing insurance policy for 90 days or more.   History: En. Sec. 2, Ch. 120, L. 1987; amd. Sec. 4, Ch. 180, L. 1991.
MT Code § 33-15-1103 (2021)
2021 Montana Code Annotated|Title 33. Insurance and Insurance Companies|Chapter 15. The Insurance Contract|Part 11. Property or Casualty Insurance -- Premium Changes, Cancellation, and Claim Information|33-15-1103. Midterm cancellation

  33-15-1103. Midterm cancellation. (1) An insurer may not cancel an insurance policy before either the expiration of the agreed term or 1 year from the effective date of the policy or renewal date, whichever is less, except:   (a) for reasons specifically allowed by statute;   (b) for failure to pay a premium when due; or   (c) on grounds stated in the policy which pertain to the following:   (i) material misrepresentation;   (ii) substantial change in the risk assumed, except to the extent that the insurer should reasonably have foreseen the change or contemplated the risk when the contract was written;   (iii) substantial breaches of contractual duties, conditions, or warranties;   (iv) determination by the commissioner that continuation of the policy would place the insurer in violation of this code;   (v) financial impairment of the insurer; or   (vi) any other reason approved by the commissioner.   (2) Except as provided in 33-23-401, cancellation under subsection (1) is not effective until 10 days after a notice of cancellation is either delivered or mailed to the insured.   (3) Subsections (1) and (2) do not apply to a newly issued insurance policy if the policy has been in effect less than 60 days at the time the notice of cancellation is mailed or delivered. A cancellation under this subsection is not effective until 10 days after the notice is delivered or mailed to the insured.   (4) If a policy has been issued for a term longer than 1 year and if either the premium is prepaid or an agreed term is guaranteed for additional premium consideration, the insurer may not cancel the policy except:   (a) for reasons specifically allowed by statute;   (b) for failure to pay a premium when due; or   (c) on grounds stated in the policy which pertain to those grounds listed in subsection (1)(c).   History: En. Sec. 3, Ch. 120, L. 1987; amd. Sec. 1, Ch. 263, L. 2005.
MT Code § 33-15-1104 (2021)
2021 Montana Code Annotated|Title 33. Insurance and Insurance Companies|Chapter 15. The Insurance Contract|Part 11. Property or Casualty Insurance -- Premium Changes, Cancellation, and Claim Information|33-15-1104. Anniversary cancellation -- anniversary rate increases

  33-15-1104. Anniversary cancellation -- anniversary rate increases. (1) An insurer may issue a policy for a term longer than 1 year or for an indefinite term if the policy contains a clause that allows cancellation by the insurer if the insurer gives notice 45 days prior to an anniversary date.   (2) If a policy has been issued for a term longer than 1 year and for additional premium consideration an annual premium has been guaranteed, the insurer may not increase the annual premium for the term of that policy.   History: En. Sec. 4, Ch. 120, L. 1987; amd. Sec. 1, Ch. 339, L. 2003.
MT Code § 33-15-1105 (2021)
2021 Montana Code Annotated|Title 33. Insurance and Insurance Companies|Chapter 15. The Insurance Contract|Part 11. Property or Casualty Insurance -- Premium Changes, Cancellation, and Claim Information|33-15-1105. Nonrenewal -- renewal premium

  33-15-1105. Nonrenewal -- renewal premium. (1) (a) An insured has a right to reasonable notice of nonrenewal. Unless otherwise provided by statute or unless a longer term is provided in the policy, at least 45 days prior to the expiration date provided in the policy, an insurer who does not intend to renew a policy beyond the agreed expiration date shall mail or deliver to the insured a notice of the intention not to renew. The insurer shall also mail or deliver a copy to the insured's insurance producer.   (b) Notification of nonrenewal to the insured's insurance producer via electronic transfer of data or by an electronic data retrieval device meets the requirement of a mailed or delivered copy.   (2) An insurer shall give notice of premium due not more than 60 days or less than 30 days before the due date of a renewal premium. The notice must clearly state the effect of nonpayment of the premium on or before the due date.   (3) Subsections (1) and (2) do not apply if:   (a) the insured has obtained insurance elsewhere, has accepted replacement coverage, or has requested or agreed to nonrenewal; or   (b) the policy is expressly designated as nonrenewable.   (4) An insurer may not refuse to renew a property and casualty insurance policy on the basis of a single loss occurring during the policy period unless the insurer has previously disclosed in writing to the insured, at the time that the insured applied for the insurance or prior to the insured's renewal, that a single loss is among the insurer's criteria for nonrenewal.   (5) (a) For the purposes of this subsection (5), the following definitions apply:   (i) "Claim" means a contact with an insurer by an insured or third party for the purpose of seeking payment. An inquiry into coverage on a property and casualty insurance policy is not claim activity unless:   (A) a payment is made;   (B) a reserve is established or loss adjustment expenses are incurred; or   (C) a written, formal denial of the claim is issued to the insured or claimant.   (ii) "Inquiry" means a request for information regarding the terms, conditions, or coverages offered under a property and casualty insurance policy that does not result in a claim.   (b) An insurer may not use a direct or indirect inquiry as the basis for declining or not renewing insurance coverage or a binder of insurance coverage or for increasing the insurance premium.   (c) An inquiry may not be considered a claim under 33-18-201.   (d) An insurer may not submit to any insurance-support organization or consumer reporting agency an insured's name if the insured made an inquiry about terms or coverage of an insurance policy.   History: En. Sec. 5, Ch. 120, L. 1987; amd. Sec. 1, Ch. 713, L. 1989; amd. Sec. 21, Ch. 531, L. 1997; amd. Sec. 1, Ch. 364, L. 1999; amd. Sec. 2, Ch. 339, L. 2003; amd. Sec. 2, Ch. 263, L. 2005; amd. Sec. 1, Ch. 498, L. 2005.
MT Code § 33-15-1106 (2021)
2021 Montana Code Annotated|Title 33. Insurance and Insurance Companies|Chapter 15. The Insurance Contract|Part 11. Property or Casualty Insurance -- Premium Changes, Cancellation, and Claim Information|33-15-1106. Renewal with altered terms

  33-15-1106. Renewal with altered terms. (1) If an insurer offers or purports to renew a policy but on less favorable terms, at a higher rate, or at a higher rating plan, the new terms, rate, or rating plan take effect on the policy renewal date only if the insurer has mailed or delivered notice of the new terms, rate, or rating plan to the insured at least 45 days before the expiration date.   (2) This section does not apply if the increase in the rate or the rating plan, or both, results from a classification change based on the altered nature or extent of the risk insured against.   History: En. Sec. 6, Ch. 120, L. 1987; amd. Sec. 4, Ch. 699, L. 1991; amd. Sec. 22, Ch. 531, L. 1997; amd. Sec. 3, Ch. 339, L. 2003.
MT Code § 33-15-1107 (2021)
2021 Montana Code Annotated|Title 33. Insurance and Insurance Companies|Chapter 15. The Insurance Contract|Part 11. Property or Casualty Insurance -- Premium Changes, Cancellation, and Claim Information|33-15-1107. Information about grounds for nonrenewal

  33-15-1107. Information about grounds for nonrenewal. (1) If the insurer or insurance producer receives a written request from an insured within 60 business days from the date on which the insurer mailed a notice of cancellation or nonrenewal to the insured, the insurer or insurance producer shall, within 21 days of receiving the insured's written request, furnish the insured the information that the insurer or insurance producer used to make its decision. A notice is not effective unless it contains adequate information about the insured's right to make the request.   (2) This section does not apply if the ground for cancellation or nonrenewal is nonpayment of the premium and the reason is stated in the notice.   History: En. Sec. 7, Ch. 120, L. 1987; amd. Sec. 26, Ch. 472, L. 1999.
MT Code § 33-15-1108 (2021)
2021 Montana Code Annotated|Title 33. Insurance and Insurance Companies|Chapter 15. The Insurance Contract|Part 11. Property or Casualty Insurance -- Premium Changes, Cancellation, and Claim Information|33-15-1108. Limitation on midterm premium increases

  33-15-1108. Limitation on midterm premium increases. (1) In any case involving property or casualty insurance that is subject to this part, the insurer may not unilaterally increase the rate charged or decrease the coverage provided for the contract period unless:   (a) there is a change in risk during that period because of the addition or removal of persons or property that was included in the rate at last renewal;   (b) the risk was misrepresented by the insured; or   (c) the insured requests a policy change that increases the rate because of that specific request.   (2) This section does not prohibit the cancellation of a policy for any other reason permitted by the policy or by law during an initial policy period not to exceed 60 days.   History: En. Sec. 2, Ch. 501, L. 2003; amd. Sec. 10, Ch. 62, L. 2019.
MT Code § 33-15-1109 (2021)
2021 Montana Code Annotated|Title 33. Insurance and Insurance Companies|Chapter 15. The Insurance Contract|Part 11. Property or Casualty Insurance -- Premium Changes, Cancellation, and Claim Information|33-15-1109. and 33-15-1110 reserved

  33-15-1109 and 33-15-1110 reserved.
MT Code § 33-15-1111 (2021)
2021 Montana Code Annotated|Title 33. Insurance and Insurance Companies|Chapter 15. The Insurance Contract|Part 11. Property or Casualty Insurance -- Premium Changes, Cancellation, and Claim Information|33-15-1111. Home owner insurance not affected by day-care operations

  33-15-1111. Home owner insurance not affected by day-care operations. (1) No insurer writing home owner insurance in this state may deny an applicant home owner insurance or cancel or refuse to renew a home owner insurance policy covering a dwelling located in this state for the principal reason that an insured under the policy operates at the insured location a day-care facility, as defined in 52-2-703, that satisfies the requirements of 52-2-723 or 52-2-724.   (2) This section does not prevent an insurer from excluding or limiting coverage with respect to liability or property losses arising out of an insured's business pursuits, including those related to the operation of a day-care facility.   History: En. Sec. 8, Ch. 120, L. 1987.
MT Code § 33-15-1112 (2021)
2021 Montana Code Annotated|Title 33. Insurance and Insurance Companies|Chapter 15. The Insurance Contract|Part 11. Property or Casualty Insurance -- Premium Changes, Cancellation, and Claim Information|33-15-1112. through 33-15-1120 reserved

  33-15-1112 through 33-15-1120 reserved.
MT Code § 33-15-1121 (2021)
2021 Montana Code Annotated|Title 33. Insurance and Insurance Companies|Chapter 15. The Insurance Contract|Part 11. Property or Casualty Insurance -- Premium Changes, Cancellation, and Claim Information|33-15-1121. Unfair trade practices

  33-15-1121. Unfair trade practices. (1) The failure of an insurer to comply with this part constitutes an unfair trade practice under 33-18-1003.   (2) Midterm premium increases and policy coverage reductions not in compliance with this part that are attempted or executed constitute unfair trade practices under 33-18-1003.   History: En. Sec. 9, Ch. 120, L. 1987.
MT Code § 33-15-1122 (2021)
2021 Montana Code Annotated|Title 33. Insurance and Insurance Companies|Chapter 15. The Insurance Contract|Part 11. Property or Casualty Insurance -- Premium Changes, Cancellation, and Claim Information|33-15-1122. through 33-15-1125 reserved

  33-15-1122 through 33-15-1125 reserved.
MT Code § 33-15-1126 (2021)
2021 Montana Code Annotated|Title 33. Insurance and Insurance Companies|Chapter 15. The Insurance Contract|Part 11. Property or Casualty Insurance -- Premium Changes, Cancellation, and Claim Information|33-15-1126. Disclosure of certain claim information on insurance policies

  33-15-1126. Disclosure of certain claim information on insurance policies. (1) On request of a policyholder, an insurer shall provide to the policyholder, or to an insurance producer designated by the policyholder, a list of claims charged against the policy.   (2) The information must include:   (a) the date and description of the claim;   (b) details relating to the cause and disposition of the claim; and   (c) a list of the claims charged against the policy, including payments made on each claim.   (3) The information must be provided within 10 days of the policyholder's request.   (4) The information provided under this section is confidential insurance information. The information may be used by the policyholder for internal management purposes or for procuring insurance products but may not be disclosed for any other purpose without the express written consent of the insurer.   (5) This section does not apply to workers' compensation insurance.   History: En. Sec. 1, Ch. 267, L. 2015.
MT Code § 33-16-101 (2021)
2021 Montana Code Annotated|Title 33. Insurance and Insurance Companies|Chapter 16. Rates -- Rating and Advisory Organizations|Part 1. General Provisions|33-16-101. Purpose and intent

  33-16-101. Purpose and intent. (1) The purpose of this chapter is to promote the public welfare by regulating insurance rates as herein provided to the end that they shall not be excessive, inadequate, or unfairly discriminatory, to authorize the existence and operation of qualified rating organizations and advisory organizations and require that specified rating services of such rating organizations be generally available to all admitted insurers, and to authorize cooperation between insurers in ratemaking and other related matters.   (2) It is the express intent of this chapter to permit and encourage competition between insurers on a sound financial basis, and nothing in this chapter is intended to give the commissioner power to fix and determine a rate level by classification or otherwise.   History: En. Sec. 1, Ch. 362, L. 1969; R.C.M. 1947, 40-3634.