reglab/housing_qa huggingface dataset:
RI Gen L § 27-10.1-1.1 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-10.1 - Motor Vehicle Damage Appraisers|Section 27-10.1-1.1 - Emergency licenses.

§ 27-10.1-1.1. Emergency licenses.(a) Notwithstanding any of the provisions of this chapter, the commissioner may permit an experienced motor vehicle appraiser to act as a motor vehicle physical damage appraiser in this state without a Rhode Island license if:(1) The appraiser is either a licensed appraiser in another state which requires a license or regularly appraises motor vehicle damage in another state where such licensing is not required and works for an insurance company authorized to do business in Rhode Island; and(2) He or she is engaged in emergency insurance appraisal work during the period of emergency only, as determined by the commissioner.(b) The experienced appraiser may work in this state either for an employer who is an appraiser licensed by this state, or for a regular employer of one or more appraisers licensed by this state, or for an insurance company authorized to do business in this state; provided, that the employer or insurer shall furnish to the commissioner a notice, in writing or electronically, promptly after the beginning of any emergency insurance appraisal work. The appraiser may appraise claims within or outside the state. Emergency licenses permitted under this section shall not exceed one hundred twenty (120) days, unless extended by the commissioner.(c) As used in this section, "emergency insurance appraisal work" means and includes, but is not limited to, appraisal of motor vehicle damage during the term of an emergency license following an event or catastrophe, as determined by the commissioner, based on consumer need or demand, or a state of disaster declared by the governor of the state of Rhode Island or by the president of the United States under applicable federal law.History of Section.P.L. 2012, ch. 298, § 3; P.L. 2012, ch. 329, § 3.
RI Gen L § 27-10.1-2 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-10.1 - Motor Vehicle Damage Appraisers|Section 27-10.1-2 - "Motor vehicle physical damage appraiser" defined.

§ 27-10.1-2. "Motor vehicle physical damage appraiser" defined.(a) "Motor vehicle physical damage appraiser" means any person that practices as a business the appraising of damages to motor vehicles insured under automobile physical damage policies on or on behalf of third party claimants.(b) A Rhode Island resident business entity acting as a motor vehicle physical damage appraiser may elect to obtain a motor vehicle physical damage appraiser license. Application shall be made using the uniform business entity application. Prior to approving the application, the commissioner shall find both of the following:(1) The business entity has paid the appropriate fees.(2) The business entity has designated a licensed motor vehicle physical damage appraiser responsible for the business entity's compliance with the insurance laws and rules of this state.History of Section.P.L. 1973, ch. 241, § 1; P.L. 2008, ch. 144, § 4; P.L. 2008, ch. 198, § 4; P.L. 2012, ch. 66, § 3; P.L. 2012, ch. 84, § 3.
RI Gen L § 27-10.1-3 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-10.1 - Motor Vehicle Damage Appraisers|Section 27-10.1-3 - Independent status required.

§ 27-10.1-3. Independent status required.All persons, partnerships, corporations, or individuals engaged in the motor vehicle physical damage appraisal business shall operate separate and apart from any body repair shop, or motor vehicle repair shop, of any new or used automobile dealership. Those engaged in this business shall retain a permanent established address affording themselves to the general public during normal business hours.History of Section.P.L. 1973, ch. 241, § 1.
RI Gen L § 27-10.1-4 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-10.1 - Motor Vehicle Damage Appraisers|Section 27-10.1-4 - Repealed.

§ 27-10.1-4. Repealed.
RI Gen L § 27-10.1-5 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-10.1 - Motor Vehicle Damage Appraisers|Section 27-10.1-5 - Repealed.

§ 27-10.1-5. Repealed.
RI Gen L § 27-10.1-6 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-10.1 - Motor Vehicle Damage Appraisers|Section 27-10.1-6 - Conduct of motor vehicle damage appraisers.

§ 27-10.1-6. Conduct of motor vehicle damage appraisers.(a) Each appraiser, while engaged in appraisal duties, shall carry the license issued to that appraiser by the department of business regulation and shall display it, upon request, to an owner whose vehicle is being inspected, to the auto body shop representative involved, or to any authorized representative of the department of business regulation.(b) The appraiser shall leave a legible copy of his or her appraisal with the auto body shop selected to make the repairs, which appraisal shall contain the name of the insurance company ordering it, if any, the insurance file number, the number of the appraiser's license, and the proper identification number of the vehicle being inspected, and notice in boldface type, reading as follows:"PURSUANT TO RHODE ISLAND LAW, THE CONSUMER HAS THE RIGHT TO CHOOSE THE REPAIR FACILITY TO COMPLETE REPAIRS TO A MOTOR VEHICLE; AND AN INSURANCE COMPANY MAY NOT INTERFERE WITH THE CONSUMER'S CHOICE OF REPAIRER." All damage unrelated to the incident or accident that occasioned the appraisal of the vehicle, or old damage, shall be clearly indicated in the appraisal.(c) The appraiser shall not obtain a competitive estimate from another auto body shop unless the owner of that other shop, or his or her authorized agent, has inspected the vehicle. No competitive estimate shall be obtained by the use of photographs, telephone calls, or in any manner other than a personal inspection.(d) No appraiser shall request that repairs be made in a specified auto body shop.(e) Every appraiser shall re-inspect damaged vehicles when supplementary allowances are requested by the auto body shops.(f) No appraiser shall receive directly or indirectly any gratuity or other consideration in connection with his or her appraisal services from any person except his or her employer, or, if self-employed, his or her customers.(g) No appraiser shall traffic in automobile salvage if it is obtained in any way as a result of appraisal services rendered by the appraiser.(h) No appraiser shall obtain an estimate from an unlicensed automobile body repair shop nor shall any appraiser agree on a price for repairing a damaged motor vehicle with an unlicensed automobile body repair shop. Nothing contained in this section shall be construed to preclude an appraiser from dealing with any entity not subject to the licensing provisions of § 5-38-4.History of Section.P.L. 1973, ch. 241, § 1; P.L. 1979, ch. 137, § 1; P.L. 1982, ch. 277, § 1; P.L. 2006, ch. 42, § 1.
RI Gen L § 27-10.1-7 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-10.1 - Motor Vehicle Damage Appraisers|Section 27-10.1-7 - Violations - Penalties.

§ 27-10.1-7. Violations — Penalties.Any person licensed under this chapter who violates the provisions of § 27-10.1-6, 27-10.1-8 or 27-10.1-8.1 or any rules and regulations promulgated by the department of business regulation shall be subject to administrative penalties pursuant to § 42-14-16.History of Section.P.L. 1979, ch. 349, § 7; P.L. 1987, ch. 491, § 2; P.L. 2006, ch. 42, § 1; P.L. 2015, ch. 82, § 11; P.L. 2015, ch. 105, § 11.
RI Gen L § 27-10.1-8 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-10.1 - Motor Vehicle Damage Appraisers|Section 27-10.1-8 - Drive-in claim centers.

§ 27-10.1-8. Drive-in claim centers.(a) No insurance company employee or property damage appraiser shall request or advise any motor vehicle owner or operator to operate his or her vehicle on any public thoroughfare for the purpose of obtaining a written estimate of damage at a drive-in claims center, unless it is ascertained that the vehicle meets safety requirements as determined by the department of transportation.(b) A vehicle shall be deemed unsafe for driving pursuant to the provisions of this section if the vehicle has:(1) Damage to its unitized body construction;(2) Damage to its hood catch which would probably result in an unexpected opening;(3) Damage to the front suspension;(4) Metal in contact with any tire;(5) Any door which can't be easily opened or which opens unexpectedly;(6) Inoperable tail lights;(7) Broken glass affixed to the vehicle or a cracked windshield; or(8) Any other condition deemed to be unsafe by the department of transportation pursuant to rules and regulations.History of Section.P.L. 1987, ch. 491, § 1.
RI Gen L § 27-10.1-8.1 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-10.1 - Motor Vehicle Damage Appraisers|Section 27-10.1-8.1 - Notices required to be displayed.

§ 27-10.1-8.1. Notices required to be displayed.A sign in boldfaced type letters at least two (2) inches high must be displayed in a conspicuous location in every drive-in claim center as defined in § 27-10.1-8, reading as follows:"PURSUANT TO RHODE ISLAND LAW, THE CONSUMER HAS THE RIGHT TO CHOOSE THE REPAIR FACILITY TO COMPLETE REPAIRS TO A MOTOR VEHICLE; AND AN INSURANCE COMPANY MAY NOT INTERFERE WITH THE CONSUMER'S CHOICE OF REPAIRER."History of Section.P.L. 2006, ch. 42, § 2.
RI Gen L § 27-10.1-9 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-10.1 - Motor Vehicle Damage Appraisers|Section 27-10.1-9 - Re-inspection of collision damage.

§ 27-10.1-9. Re-inspection of collision damage.(a) The director of the department of business regulation is authorized and empowered to promulgate rules and regulations which allow re-inspection of ten percent (10%) of all automobile insurance carrier claims after collision damage is repaired. The required percentage shall be reviewed by the department of business regulation on an annual basis.(b) All automobile repair facilities shall, upon reasonable request by the insurer or consumer, present proof of authenticity through invoices and/or receipts for all new and used collision repair parts excluding price of the part or parts. Insurance carriers shall obtain from auto body repair facilities proof of purchase of the new or used collision repair parts, either by authenticated invoices and/or receipts excluding price.(c) Each insurance carrier or its agents assigned to or conducting a re-inspection shall be a licensed motor vehicle physical damage appraiser, and shall conduct the inspection in a professional manner consistent with training required to obtain DBR certification or licensing. If body shop testing equipment is required, a fee to be set by the director of the department of business regulation will be paid by the insurance carrier to the body shop.History of Section.P.L. 1993, ch. 256, § 1; P.L. 1994, ch. 86, § 4; P.L. 2012, ch. 298, § 2; P.L. 2012, ch. 329, § 2.
RI Gen L § 27-10.1-10 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-10.1 - Motor Vehicle Damage Appraisers|Section 27-10.1-10 - Inspection at policy inception required.

§ 27-10.1-10. Inspection at policy inception required.No motor vehicle liability policy or endorsement insuring a private passenger motor vehicle weighing less than ten thousand (10,000) pounds for physical damage coverage, shall be issued in the state of Rhode Island unless the insurer has inspected and photographed the motor vehicle in accordance with rules and regulations set forth by the insurance division of the department of business regulation. This section does not apply to motor vehicles rated or insured under a commercial motor vehicle insurance policy. An insurer may elect to waive inspections and photographs for all motor vehicles upon written notice to the department of business regulation.History of Section.P.L. 1993, ch. 256, § 1; P.L. 1994, ch. 408, § 1; P.L. 2004, ch. 65, § 1; P.L. 2004, ch. 114, § 1.
RI Gen L § 27-10.1-11 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-10.1 - Motor Vehicle Damage Appraisers|Section 27-10.1-11 - Emergency licenses.

§ 27-10.1-11. Emergency licenses.(a) Notwithstanding any of the provisions of this chapter, the commissioner may grant emergency licenses to permit an experienced motor vehicle appraiser to act as a motor vehicle physical damage appraiser in this state without a Rhode Island license if:(1) The appraiser is either a licensed appraiser in another state which requires a license or regularly appraises motor vehicle damage in another state where such licensing is not required and works for an insurance company authorized to do business in Rhode Island;(2) He or she is engaged in emergency insurance appraisal work during the period of emergency only, as determined by the commissioner.(b) The experienced appraiser may work in this state either for an employer who is an appraiser licensed by this state, or for a regular employer of one or more appraisers licensed by this state, or for an insurance company authorized to do business in this state; provided, that the employer or insurer shall furnish to the commissioner a notice in writing or electronically promptly after the beginning of any emergency insurance appraisal work. The appraiser may appraise claims within or outside the state.Emergency licenses permitted under this section shall not exceed one hundred twenty (120) days, unless extended by the commissioner.(c) As used in this section, "emergency insurance appraisal work" means and includes, but is not limited to, appraisal of motor vehicle damage during the term of an emergency license following an event or catastrophe as determined by the commissioner, or a state of disaster declared by the governor of the state of Rhode Island or by the president of the United States under applicable federal law.History of Section.P.L. 2012, ch. 321, § 1; P.L. 2012, ch. 330, § 1.
RI Gen L § 27-10.2-1 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-10.2 - Motor Vehicle Replacement Parts|Section 27-10.2-1 - Definitions.

§ 27-10.2-1. Definitions.As used in this chapter:(1) "Aftermarket part" means a motor vehicle replacement part that is not an original equipment manufacturer part; and(2) "Original equipment manufacturer part" or "OEM part" means a motor vehicle replacement part manufactured by the manufacturer of the motor vehicle being repaired.History of Section.P.L. 1987, ch. 338, § 1; P.L. 2018, ch. 298, § 1; P.L. 2018, ch. 321, § 1.
RI Gen L § 27-10.2-2 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-10.2 - Motor Vehicle Replacement Parts|Section 27-10.2-2 - Aftermarket parts - Time limit prohibition.

§ 27-10.2-2. Aftermarket parts — Time limit prohibition.(a) Whenever an insurance company, in adjusting a claim for motor vehicle physical damage, intends to specify the use of aftermarket parts, it shall notify the vehicle owner in writing. Any auto body repair shop conducting business in the state of Rhode Island shall not use non-original equipment manufactured (OEM) parts, also referred to as aftermarket parts, in the repair of any person's automobile, without that person giving the repairer his or her express written consent.(b) No insurance company may require the use of aftermarket parts when negotiating repairs with any repairer unless the repairer has written consent from the vehicle owner to install aftermarket parts. The provisions of this section shall apply only to automobiles that are less than forty-eight (48) months beyond the date of manufacture.(c) For any automobile that is less than forty-eight (48) months beyond the date of manufacture, the insurer and the auto body repair shop must provide a written notice to the vehicle owner that: (i) He or she may require the insurer to pay for and the auto body shop to install "original equipment manufacturer parts" or "OEM parts" in the repair of a motor vehicle; or (ii) He or she may require the insurer to pay for and the auto body shop to install "non-original equipment manufacturer parts" (non-"OEM parts") in the repair of a motor vehicle. To comply with this provision, written notice may be provided on the appraisal written on behalf of the insurer and the estimate prepared by the auto body repair shop.(d) When "OEM part(s)" are used in the repair of a motor vehicle, no insurance company may require any repairer to use repair procedures that are not in compliance with the recommendations of the original equipment manufacturer.(e) This chapter shall not apply to the repair or replacement of motor vehicle glass performed by licensed motor vehicle glass repair shops pursuant to chapter 38.5 of title 5.History of Section.P.L. 1987, ch. 338, § 1; P.L. 1994, ch. 116, § 1; P.L. 2006, ch. 621, § 1; P.L. 2007, ch. 313, § 1; P.L. 2007, ch. 418, § 1; P.L. 2008, ch. 475, § 6; P.L. 2018, ch. 298, § 1; P.L. 2018, ch. 321, § 1.
RI Gen L § 27-10.2-3 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-10.2 - Motor Vehicle Replacement Parts|Section 27-10.2-3 - Standards for use of aftermarket parts.

§ 27-10.2-3. Standards for use of aftermarket parts.Whenever aftermarket parts are used for repairs to physically damaged motor vehicles, the following standards shall apply:(1) The aftermarket parts shall be at least equal in kind and quality to the OEM parts in terms of fit, quality and performance;(2) To the extent practical, an insurance company shall not require the use of multiple aftermarket parts distributors to provide parts for a single repair;(3) Insurers specifying the use of aftermarket parts shall make allowances for the reasonable cost of any modifications to the aftermarket parts which may become necessary when making the repair, and for the cost of fitting, removing, and/or handling aftermarket parts which do not result in the vehicle being repaired to its condition prior to the loss;(4) If the aftermarket part specified by the insurer does not result in the vehicle being repaired to its condition prior to the loss, the insurer shall then specify the use of an OEM part;(5) The automobile body shop shall promptly notify the appraiser if the aftermarket part specified by the insurer does not result in the vehicle being repaired to its condition prior to the loss and permit the appraiser to reinspect the vehicle and make appropriate supplemental authorizations, if necessary;(6) The automobile body shop shall provide documentation of aftermarket parts, which do not meet the requirements of this section, as reasonably requested by the insurer. The insurer shall be permitted to exercise any available rights of recovery against the aftermarket parts distributor.History of Section.P.L. 2003, ch. 239, § 1; P.L. 2003, ch. 368, § 2.
RI Gen L § 27-11-1 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-11 - Investment in Real Estate|Section 27-11-1 - Power of life insurance company to acquire and hold property.

§ 27-11-1. Power of life insurance company to acquire and hold property.Any life insurance company incorporated under a charter granted by the general assembly of this state and any life insurance company incorporated under a charter or the laws of any other state in the United States of America which is empowered to engage in the business of making insurance upon lives, and which has complied with or shall comply with the requirements of chapter 2 of this title to engage in the life insurance business in this state, may and is authorized to invest in, purchase, lease, or acquire by gift or otherwise, and hold without any limitation of time, any real property or any interest in the property, in this state, and may use that property, and any other real property owned, held, or leased by it, for a housing project or projects designed to provide accommodations for ten (10) or more families or for any other investment or income producing purposes.History of Section.P.L. 1947, ch. 1866, § 1; G.L. 1956, § 27-11-1.
RI Gen L § 27-11-2 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-11 - Investment in Real Estate|Section 27-11-2 - Power to erect, maintain, improve, and rent structures.

§ 27-11-2. Power to erect, maintain, improve, and rent structures.A life insurance company may use existing structures, may erect or cause to be erected new structures, may use any combination of existing structures and new structures, and may maintain, repair, alter, demolish, and reconstruct those structures. "Structures" as used in this section includes apartment or tenement buildings, dwelling houses, and buildings or accommodations for retail stores, shops, offices, and other community services as the company may deem proper and suitable for the convenience of the tenants and occupants of those structures. The company may collect and receive rents or income from, and may manage, lease, mortgage, sell, and convey, the whole or any part of the property.History of Section.P.L. 1947, ch. 1866, § 1; G.L. 1956, § 27-11-2.
RI Gen L § 27-11-3 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-11 - Investment in Real Estate|Section 27-11-3 - Maximum investment in real property.

§ 27-11-3. Maximum investment in real property.No real property shall be purchased, leased, held, or improved under this chapter if the cost or value of the property, or the cost of the improvements on it, or all of them on the date of the purchase, lease, or acquisition, plus the book value on the date of all real property held by the company, exceeds twenty percent (20%) of its assets.History of Section.P.L. 1947, ch. 1866, § 1; G.L. 1956, § 27-11-3.
RI Gen L § 27-11.1-1 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-11.1 - Investments by Domestic Insurance Companies|Section 27-11.1-1 - Maximum investments in real property.

§ 27-11.1-1. Maximum investments in real property.No domestic insurance company shall purchase, lease, hold, or improve any real property if the cost or value of the property, or the cost of the improvements on it, or all of them on the date of the purchase, lease, or acquisition, plus the book value on that date of all real property held by the company, exceeds twenty percent (20%) of its admitted assets.History of Section.P.L. 1984, ch. 170, § 1.
RI Gen L § 27-11.1-2 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-11.1 - Investments by Domestic Insurance Companies|Section 27-11.1-2 - Maximum investments in mortgage loans.

§ 27-11.1-2. Maximum investments in mortgage loans.A domestic insurance company may invest in mortgage loans; provided, that any mortgage loan or loans made or acquired by the domestic insurer on any one or all properties shall not exceed in the aggregate ten percent (10%) of its admitted assets.History of Section.P.L. 1984, ch. 170, § 1.
RI Gen L § 27-11.1-3 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-11.1 - Investments by Domestic Insurance Companies|Section 27-11.1-3 - Maximum investments in investments currently reported in Schedule BA of the annual statement blank.

§ 27-11.1-3. Maximum investments in investments currently reported in Schedule BA of the annual statement blank.A domestic insurance company may invest in those assets, which are currently reported in Schedule BA of its annual statement; provided, that those investments do not exceed in the aggregate ten percent (10%) of the company's admitted assets. Those investments may include, but are not limited to, the following types of investments:(1) All loans on or investments in oil and gas production payments;(2) All transportation equipment;(3) Timber deeds;(4) Mineral rights carried as admitted assets;(5) Motor vehicle trust certificates; and(6) Any other class of admitted investment not clearly includible in other statement schedules.History of Section.P.L. 1984, ch. 170, § 1.