reglab/housing_qa huggingface dataset:
AK Stat § 21.36.465 (2021)
2021 Alaska Statutes|Title 21. Insurance|Chapter 36. Trade Practices and Frauds|Article 5. Specific Acts and Types of Insurance.|Sec. 21.36.465. Notice of limited motor vehicle insurance.

(a) An insurance policy that provides coverage only against property damage to a motor vehicle and that does not provide liability coverage required under AS 28.22.101(d) must contain the following statement printed in bold face type: “This policy provides insurance only against damage to the motor vehicle. This policy does not insure against bodily injury, death, or property damage liability and does not satisfy the mandatory motor vehicle liability insurance requirements of AS 28.22.011.” (b) If the insured under a policy described in (a) of this section is not the owner of the motor vehicle, the insurer shall provide a copy of the policy to the owner.
AK Stat § 21.36.470 (2021)
2021 Alaska Statutes|Title 21. Insurance|Chapter 36. Trade Practices and Frauds|Article 5. Specific Acts and Types of Insurance.|Sec. 21.36.470. Violation of viatical settlement provisions prohibited.

A person may not violate the viatical settlement transaction provisions of AS 21.96.110 or regulations adopted under AS 21.96.110.
AK Stat § 21.36.475 (2021)
2021 Alaska Statutes|Title 21. Insurance|Chapter 36. Trade Practices and Frauds|Article 5. Specific Acts and Types of Insurance.|Sec. 21.36.475. Limitation on owner controlled and contractor controlled insurance programs.

(a) An owner controlled insurance program or a contractor controlled insurance program is subject to both AS 21.39 and AS 21.42, must be approved by the director, and shall be allowed only for a major construction project. Owner controlled and contractor controlled insurance programs are limited to property insurance as defined in AS 21.12.060 and casualty insurance as defined in AS 21.12.070. (b) In this section, an owner controlled or contractor controlled insured program does not include (1) builder's risk or course of construction insurance; (2) insurance relating to the transportation of cargo or other property; (3) insurance covering one or more affiliates, subsidiaries, partners, or joint venture partners of a person; or (4) insurance policies endorsed to name one or more persons as additional insureds. (c) In this section, (1) “contractor” means a person who meets the definition of “contractor” in AS 08.18.171 and who undertakes the performance of a construction project for a project owner, its agent, or its representative; (2) “contractor controlled insurance program” means an insurance program where one or more insurance policies are procured on behalf of a contractor, its agent, or its representative, by its insurance producer, as defined in AS 21.27.990, for the purpose of insuring the contractor and one or more of the following: (A) the project owner; (B) a subcontractor; (C) an architect; (D) an engineer; or (E) a person performing professional services; (3) “major construction project” means the process of constructing a structure, building, facility, or roadway or major renovation of more than 50 percent of an existing structure, building, facility, or roadway having a contract cost of more than $50,000,000 of a definite term at a geographically defined project site; (4) “owner controlled insurance program” means an insurance program where one or more insurance policies are procured on behalf of a project owner, its agent, or its representative, by its insurance producer, as defined in AS 21.27.990, for the purpose of insuring the project owner and one or more of the following: (A) the contractor; (B) a subcontractor; (C) an architect; (D) an engineer; or (E) a person performing professional services; (5) “project owner” means a person who, in the course of the person's business, engages the service of a contractor for the purpose of working on a construction project; (6) “subcontractor” means a person to whom a contractor sublets all or part of a contractor's initial undertaking.
AK Stat § 21.36.480 (2021)
2021 Alaska Statutes|Title 21. Insurance|Chapter 36. Trade Practices and Frauds|Article 5. Specific Acts and Types of Insurance.|Sec. 21.36.480. Genetic information nondiscrimination.

(a) A health care insurer that offers a health care insurance plan in the individual market shall comply with the genetic information nondiscrimination requirements established under 42 U.S.C. 300gg-53. (b) A health care insurer that offers a health care insurance plan in the group market shall comply with the genetic information nondiscrimination requirements established under 42 U.S.C. 300gg-1(b)(3), 42 U.S.C. 300gg-1(c) - (f), and 42 U.S.C. 300gg-91. (c) In this section, (1) “group market” has the meaning given in AS 21.54.500; (2) “health care insurance plan” has the meaning given in AS 21.54.500; (3) “health care insurer” has the meaning given in AS 21.54.500; (4) “individual market” has the meaning given in AS 21.51.500.
AK Stat § 21.36.485 (2021)
2021 Alaska Statutes|Title 21. Insurance|Chapter 36. Trade Practices and Frauds|Article 5. Specific Acts and Types of Insurance.|Sec. 21.36.485. Coverage of children.

(a) A health care insurer may not deny enrollment of a child under the health care insurance of the child's parent on the ground that the child (1) was born out of wedlock; (2) is not claimed as a dependent on the parent's federal income tax return; (3) does not reside with the parent; or (4) does not reside in the health care insurer's service area. (b) If a parent is required under AS 25.27.020(a)(9) or 25.27.060(c) to provide medical support for a child and the parent is eligible for family health care insurance coverage through an insurer, the parent's health care insurer (1) shall allow the parent to enroll the child under the family health care insurance coverage without regard to restrictions relating to enrollment periods if the child is otherwise eligible; (2) shall, if the parent fails to apply for enrollment of a child under (1) of this subsection, enroll the child under the parent's family health care insurance coverage upon application by the child's other parent or custodian, the child support services agency, or the Department of Health and Social Services; and (3) may not disenroll or eliminate health care insurance coverage of the child unless the insurer has received written evidence that (A) the parent with the insurance coverage is no longer required by court order or administrative order to provide the child's medical support; or (B) the child is or will be enrolled in comparable health care insurance coverage through another insurer that will take effect not later than the effective date of the disenrollment or elimination of coverage. (c) A health care insurer who provides health care insurance coverage of a child through family health care insurance coverage of a parent who does not have sole physical custody of the child shall (1) provide to the child's other parent or custodian the information that may be necessary for the child to obtain benefits through the family health care insurance coverage; (2) allow the child's other parent or custodian, or the child's health care provider with the parent's or custodian's approval, to submit claims for covered services without the approval of the parent whose health care insurance covers the child; and (3) make payment on claims submitted under (2) of this subsection directly to the child's other parent or custodian, the health care provider, or a state agency to which the child's medical support rights have been assigned under AS 25.27.120 or AS 47.07.025. (d) If an individual is covered for health benefits from an insurer, the insurer may not impose requirements on a state agency to which the rights of the individual under AS 25.27.120 or AS 47.07.025 have been assigned that are different from requirements applicable to an agent or assignee of other individuals covered by the insurer. (e) In this section, “health care insurer” has the meaning given in AS 21.54.500 and includes the Comprehensive Health Insurance Association as described in AS 21.55.010.
AK Stat § 21.36.490 (2021)
2021 Alaska Statutes|Title 21. Insurance|Chapter 36. Trade Practices and Frauds|Article 5. Specific Acts and Types of Insurance.|Sec. 21.36.490. Premium financing.

A person licensed under AS 21.27 may not (1) enter into any insurance transaction in which the premium is financed by other than the licensee unless the person providing the financing is licensed under and in compliance with AS 06.40 or is exempted from licensure under AS 06.40.020; or (2) finance premiums or extend credit to persons purchasing insurance except as provided in regulations adopted by the director; the director shall adopt regulations establishing the conditions under which licensees may extend credit or finance premiums except that in no event may the regulations permit a rate of interest on amounts lent or credit extended greater than that provided in AS 06.40.120.
AK Stat § 21.36.495 (2021)
2021 Alaska Statutes|Title 21. Insurance|Chapter 36. Trade Practices and Frauds|Article 5. Specific Acts and Types of Insurance.|Sec. 21.36.495. Prompt payment of health care insurance claims.

(a) A health care insurer shall pay or deny indemnities under a health care insurance policy, whether or not services were provided by a participating provider, within 30 calendar days after the insurer or a third-party administrator under contract with the insurer receives a clean claim. (b) If a health care insurer does not pay or denies a health care insurance claim, the insurer shall give notice to the covered person, or to the provider of the medical care services or supplies if the claim was assigned or if the covered person elected direct payment under AS 21.51.120(a)(2) or AS 21.54.020(a), of the basis for denial or the specific information that is needed for the insurer to adjudicate the claim. The health care insurer shall provide the notice required under this subsection within 30 calendar days after the insurer or third-party administrator under contract with the insurer receives the claim. (c) If a health care insurer does not provide the notice as required under (b) of this section, the claim is presumed a clean claim, and interest shall accrue at a rate of 15 percent annually beginning on the day following the day that the notice was due and continues to accrue until the date that the claim is paid. (d) If a health care insurer provides the notice required under (b) of this section and requests specific information that is needed to adjudicate the claim, the insurer shall pay the claim not later than 15 calendar days after receipt of the information specified in the notice or within 30 days after receipt of the claim. If a health care insurer does not pay the claim within the time period required under this subsection, the claim is presumed to be a clean claim, interest at a rate of 15 percent accrues, and interest continues to accrue until the date the claim is paid. (e) For purposes of (c) and (d) of this section, if only a portion of a claim is covered under the terms of the insurance policy, interest accrues based only on the portion of the claim that is covered. (f) For the purposes of this section, a claim is considered paid on the day payment is mailed or transmitted electronically. (g) If interest is accrued on a claim under (c) or (d) of this section, a health care insurer may not include the amount of interest accrued in calculating an applicable limit on benefits payable to a covered person or other person claiming payments under the health insurance policy. (h) A health care insurer is not required to pay interest due as a result of the application of (c) or (d) of this section if the amount of the interest is $1 or less. (i) In this section, (1) “clean claim” means a claim that does not have a defect or impropriety, including a lack of any required substantiating documentation, or a particular circumstance requiring special treatment that prevents timely payment of the claim; (2) “health care insurer” has the meaning given in AS 21.54.500.
AK Stat § 21.36.500 (2021)
2021 Alaska Statutes|Title 21. Insurance|Chapter 36. Trade Practices and Frauds|Article 5. Specific Acts and Types of Insurance.|Sec. 21.36.500. Unfair financial planning practices.

(a) A person may not represent, directly or indirectly, to be a financial planner, investment adviser, consultant, financial counselor, or similar specialist engaged in the business of giving financial planning or advice relating to investments, insurance, real estate, tax matters, or trust and estate matters when the person is in fact only engaging in the sale of insurance. (b) A person may not engage in the business of financial planning and solicit the sale of a product or service on the basis that the person is an insurance salesperson or that a commission for the sale of an insurance product will be received in addition to a fee for financial planning without full disclosure to the client before the execution of the agreement required in (c) of this section. (c) A person licensed under this title may not charge a fee other than a commission for financial planning unless the fee is based upon a written agreement signed before the performance of a service under the agreement. The insurance salesperson shall provide the client a copy of the signed agreement at the time of signing. The agreement must specifically state the service for which a fee is to be charged and how the fee will be determined or calculated. The agreement must provide that the client is under no obligation to purchase an insurance product. The licensee shall retain a copy of the agreement for not less than five years after completion of services and the agreement shall be available to the director upon request.
AK Stat § 21.36.505 (2021)
2021 Alaska Statutes|Title 21. Insurance|Chapter 36. Trade Practices and Frauds|Article 5. Specific Acts and Types of Insurance.|Sec. 21.36.505. Health discount plans.

(a) A person may not sell, market, promote, advertise, or otherwise distribute a health discount plan unless (1) each advertisement, policy, document, information, statement, or other communication regarding the health discount plan and the plan itself contain a statement, in bold and prominent type, that the health discount plan is not insurance; (2) the discounts offered under the health discount plan are specifically authorized by a contract with each provider of the services or supplies listed in conjunction with the plan; (3) the health discount plan states the name, address, and telephone number of the administrator of the plan; (4) the person makes readily available to the consumer a complete, accurate, and up-to-date list of providers participating in the plan that offer discounted health care services or supplies in the consumer's local area and the discounts offered by the providers; (5) the person provides the consumer the right to cancel the health discount plan within 30 days after purchase of the plan; and (6) the person provides the consumer with a full refund of all payments made, except for a nominal processing fee, within 30 days after notification of cancellation of the plan under (5) of this subsection. (b) The director may adopt regulations to implement this section and to establish additional requirements intended to prohibit unfair or deceptive practices relating to health discount plans.
AK Stat § 21.36.510 (2021)
2021 Alaska Statutes|Title 21. Insurance|Chapter 36. Trade Practices and Frauds|Article 5. Specific Acts and Types of Insurance.|Sec. 21.36.510. Nondisclosure of personal financial and personal health information.

The director shall adopt regulations regarding the release of financial and health information regarding an individual who seeks to obtain, obtains, or has obtained an insurance product or service from a licensee that is to be used primarily for personal, family, or household purposes. The regulations must be at least as restrictive as the model regulations adopted under the National Conference of Insurance Legislators Financial Information Privacy Protection Model Act, adopted by the National Conference of Insurance Legislators Executive Committee on November 17, 2000, and amended on March 2, 2001.
AK Stat § 21.36.900 (2021)
2021 Alaska Statutes|Title 21. Insurance|Chapter 36. Trade Practices and Frauds|Article 6. Remedies and General Provisions.|Sec. 21.36.900. Procedures as to undefined practices.

(a) If the director believes that a person engaged in the insurance business is engaging in this state in an unfair method of competition or in an unfair or deceptive act or practice in the conduct of the business that is not defined as being unfair or deceptive under this chapter, the director shall hold a hearing on the matter, if the director believes it would be in the public interest to do so after giving notice of the hearing and of the charges. Upon conclusion of the hearing the director shall make a written report of the findings of fact relative to the charges and serve a copy upon the person and any intervenor at the hearing. (b) If the report charges a violation of this chapter and if the method of competition, act, or practice has not been discontinued, the director may, through the attorney general of this state, at any time after the service of the report, cause an action to be instituted to enjoin and restrain the person from engaging in the method, act, or practice. In the action the court may grant a restraining order or injunction upon just terms, but the state may not be required to give security before the issuance of the order or injunction. If a record of the proceedings in the hearing before the director was made, a certified transcript, including all evidence taken and the report and findings, shall be received in evidence in the action. (c) If the director's report made under (a) of this section, or order on hearing made under AS 21.36.910 does not charge a violation of this chapter, an intervenor in the proceedings may appeal from the order or report within the time and in the manner provided for appeals from the director generally. (d) In addition to the unfair methods and unfair or deceptive acts or practices expressly defined in this title, the director may adopt regulations to define other methods of competition and other acts and practices related to the business of insurance that are unfair or deceptive.
AK Stat § 21.36.910 (2021)
2021 Alaska Statutes|Title 21. Insurance|Chapter 36. Trade Practices and Frauds|Article 6. Remedies and General Provisions.|Sec. 21.36.910. Hearings and order on violation.

(a) On the complaint of a person or on the motion of the director, the director may conduct an investigation to determine whether a person is engaged in an unfair method of competition or unfair or deceptive act or practice prohibited by this chapter. (b) If there are grounds for believing that a person is engaged in an act or practice prohibited by this chapter, the director may institute proceedings under AS 21.06.170 - 21.06.240. (c) If the director determines that a person violated this chapter, the director shall serve upon the person charged an order requiring that person to cease and desist from engaging in the act or practice. (d) In addition to an order issued under (c) of this section, the director may, after a hearing, order restitution, assess a penalty of not more than $2,500 for each violation or $25,000 for engaging in a general business practice in violation of this chapter. (e) If the director determines after a hearing that the person charged knew or should have known that the person was in violation of this chapter, in addition to the penalty prescribed in (d) of this section, a suspension or revocation of the person's license and a penalty of not more than $25,000 for each violation or $250,000 for engaging in the general business practice in violation of this chapter may also be ordered by the director. (f) If the director believes that a person has violated a cease and desist order issued under (c) of this section, the director may certify the relevant facts to the superior court in the appropriate district, for proceedings under AS 44.62.590. In addition to the penalties and remedies provided for in AS 44.62.590, the superior court, upon finding that the cease and desist order has been violated, may order the violator to comply with the order, pay an additional penalty of not more than $1,000,000 for each violation, may revoke or suspend the violator's license, and may bar the violator from transacting the business of insurance in the future. (g) In determining the penalty imposed under (d) and (e) of this section, the director shall consider the amount of loss or harm caused by the violation and the amount of benefit derived by the person by reason of the violation and may consider other factors, including the seriousness of the violation, the promptness and completeness of remedial action, whether the violation was a single act or a trade practice, and deterrence of the violator or others. (h) If the violation is a single act prohibited under AS 21.36.125 that results in loss or harm, the director may require restitution or issue a cease and desist order but may not impose a penalty that includes a fine or require other remedial action, unless the violation results in loss or harm and is intentional. This subsection does not affect the director's authority to impose a penalty for multiple acts prohibited under AS 21.36.125 or a penalty for an act prohibited under a provision of law other than AS 21.36.125.
AK Stat § 21.36.920 (2021)
2021 Alaska Statutes|Title 21. Insurance|Chapter 36. Trade Practices and Frauds|Article 6. Remedies and General Provisions.|Sec. 21.36.920. Injunctive relief.

The director may seek injunctive relief to aid in the enforcement of the provisions of this chapter.
AK Stat § 21.36.930 (2021)
2021 Alaska Statutes|Title 21. Insurance|Chapter 36. Trade Practices and Frauds|Article 6. Remedies and General Provisions.|Sec. 21.36.930. Provisions of this chapter additional to other law.

The powers vested in the director by this chapter are in addition to any other powers to enforce penalties, fines, or other forfeitures authorized by law with respect to acts and practices declared in this chapter to be unfair or deceptive.
AK Stat § 21.42.010 (2021)
2021 Alaska Statutes|Title 21. Insurance|Chapter 42. The Insurance Contract|Article 1. The Insurance Contract.|Sec. 21.42.010. Applicability.

AS 21.42.010 - 21.42.599 do not apply to (1) reinsurance; (2) policies or contracts not issued for delivery in this state or delivered in this state, except as provided in AS 21.42.120; (3) wet marine and transportation insurance; (4) title insurance, except that AS 21.42.080, 21.42.120, 21.42.130, 21.42.180, 21.42.190 and 21.42.230 do apply.
AK Stat § 21.42.030 (2021)
2021 Alaska Statutes|Title 21. Insurance|Chapter 42. The Insurance Contract|Article 1. The Insurance Contract.|Sec. 21.42.030. Insurable interest: property.

(a) A contract of insurance of property or of an interest in property or arising from property may not be enforced as to the insurance except for the benefit of persons having an insurable interest in the things insured at the time of the loss. (b) The measure of an insurable interest in property is the extent to which the insured might be indemnified by loss, injury, or impairment. (c) In this section, “insurable interest” means an actual, lawful, and substantial economic interest in the safety or preservation of the subject of the insurance free from loss, destruction, or pecuniary damage or impairment.
AK Stat § 21.42.040 (2021)
2021 Alaska Statutes|Title 21. Insurance|Chapter 42. The Insurance Contract|Article 1. The Insurance Contract.|Sec. 21.42.040. Interest of named insured.

When the name of the person insured is specified in a policy insuring property the insurance can be applied only to the proper interest of the person insured.