reglab/housing_qa huggingface dataset:
SD Codified L § 58-19-27 (2021)
2021 South Dakota Codified Laws|Title 58 - Insurance|Chapter 19 - Credit Life, Health, Unemployment And Group Property Insurance|Section 58-19-27 - Use of disapproved forms unlawful--Reason stated in notice--Hearing on request--Use of forms pending approval.

58-19-27. Use of disapproved forms unlawful--Reason stated in notice--Hearing on request--Use of forms pending approval.If the director notifies the insurer that the form is disapproved, it is unlawful thereafter for such insurer to issue or use such form. In such notice, the director shall specify the reason for his disapproval and state that a hearing will be granted within twenty days after request in writing by the insurer. No such policy, certificate of insurance, notice of proposed insurance, nor any application, endorsement, or rider, shall be issued or used until the expiration of thirty days after it has been so filed, unless the director shall give his prior written approval thereto. Source: SL 1966, ch 111, ch 27, §7 (3).
SD Codified L § 58-19-28 (2021)
2021 South Dakota Codified Laws|Title 58 - Insurance|Chapter 19 - Credit Life, Health, Unemployment And Group Property Insurance|Section 58-19-28 - Withdrawal of approval of form--Notice and hearing.

58-19-28. Withdrawal of approval of form--Notice and hearing.The director may, at any time after a hearing held not less than twenty days after written notice to the insurer, withdraw his approval of any such form on any ground set forth in §58-19-26. The written notice of such hearing shall state the reason for the proposed withdrawal. Source: SL 1966, ch 111, ch 27, §7 (4).
SD Codified L § 58-19-29 (2021)
2021 South Dakota Codified Laws|Title 58 - Insurance|Chapter 19 - Credit Life, Health, Unemployment And Group Property Insurance|Section 58-19-29 - Use of forms unlawful after withdrawal.

58-19-29. Use of forms unlawful after withdrawal.It is not lawful for the insurer to issue such forms or use them after the effective date of such withdrawal. Source: SL 1966, ch 111, ch 27, §7 (5).
SD Codified L § 58-19-30 (2021)
2021 South Dakota Codified Laws|Title 58 - Insurance|Chapter 19 - Credit Life, Health, Unemployment And Group Property Insurance|Section 58-19-30 - Judicial review of order or final determination of director as to forms.

58-19-30. Judicial review of order or final determination of director as to forms.Any order or final determination of the director under the provisions of §§58-19-24 to 58-19-29, inclusive, shall be subject to judicial review. Source: SL 1966, ch 111, ch 27, §7 (7).
SD Codified L § 58-19-31 (2021)
2021 South Dakota Codified Laws|Title 58 - Insurance|Chapter 19 - Credit Life, Health, Unemployment And Group Property Insurance|Section 58-19-31 - Claims--Reporting to insurer--Settlement.

58-19-31. Claims--Reporting to insurer--Settlement.All claims shall be promptly reported to the insurer or its designated claim representative, and the insurer shall maintain adequate claim files. All claims shall be settled as soon as possible and in accordance with the terms of the insurance contract. Source: SL 1966, ch 111, ch 27, §10 (1).
SD Codified L § 58-19-32 (2021)
2021 South Dakota Codified Laws|Title 58 - Insurance|Chapter 19 - Credit Life, Health, Unemployment And Group Property Insurance|Section 58-19-32 - Settlement or adjustment of claims by person other than insurer prohibited--Creditor not claim representative--Payment by group policyholder.

58-19-32. Settlement or adjustment of claims by person other than insurer prohibited--Creditor not claim representative--Payment by group policyholder.No plan or arrangement shall be used whereby any person, firm or corporation other than the insurer or its designated claim representative shall be authorized to settle or adjust claims. The creditor shall not be designated as claim representative for the insurer in adjusting claims; provided, that a group policyholder may, by arrangement with the group insurer, draw drafts or checks in payment of claims due to the group policyholder subject to audit and review by the insurer. Source: SL 1966, ch 111, ch 27, §10 (3).
SD Codified L § 58-19-33 (2021)
2021 South Dakota Codified Laws|Title 58 - Insurance|Chapter 19 - Credit Life, Health, Unemployment And Group Property Insurance|Section 58-19-33 - Manner of payment of claims.

58-19-33. Manner of payment of claims.All claims shall be paid either by draft drawn upon the insurer or by check of the insurer to the order of the claimant to whom payment of the claim is due pursuant to the policy provisions, or upon direction of such claimant to one specified. Source: SL 1966, ch 111, ch 27, §10 (2).
SD Codified L § 58-19-34 (2021)
2021 South Dakota Codified Laws|Title 58 - Insurance|Chapter 19 - Credit Life, Health, Unemployment And Group Property Insurance|Section 58-19-34 - Promulgation of rules by director--Purpose and scope.

58-19-34. Promulgation of rules by director--Purpose and scope.The director may promulgate rules pursuant to chapter 1-26 as deemed appropriate for the supervision of this chapter. The rules may cover any type of credit insurance including credit life, credit health, credit unemployment, and credit property insurance, including guaranteed automobile protection. The rules shall be designed to protect the insurance buying public from discriminatory rating and underwriting and claims practices, from being charged excessive rates, and from requirements to purchase credit insurance when purchasing goods and services. The rules may cover the following areas:(1)Definition of terms;(2)Filing requirements;(3)The setting of loss ratios and prima facie rates;(4)Underwriting criteria;(5)Sales and marketing practices;(6)Minimum benefit standards;(7)Permissible exclusions;(8)Claims practices; and(9)Disclosure requirements. Source: SL 1966, ch 111, ch 27, §12; SL 1986, ch 22, §31; SL 2001, ch 282, §1.
SD Codified L § 58-19-35 (2021)
2021 South Dakota Codified Laws|Title 58 - Insurance|Chapter 19 - Credit Life, Health, Unemployment And Group Property Insurance|Section 58-19-35 - Order for compliance issued by director--Notice and hearing.

58-19-35. Order for compliance issued by director--Notice and hearing.Whenever the director finds that there has been a violation of this chapter or any rules or regulations issued pursuant thereto, and after written notice thereof and hearing given to the insurer or other person authorized or licensed by the director, he shall set forth the details of his findings together with an order for compliance by a specified date. Such order shall be binding on the insurer and other person authorized or licensed by the director on the date specified unless sooner withdrawn by the director or a stay thereof has been ordered by a court of competent jurisdiction. Source: SL 1966, ch 111, ch 27, §12.
SD Codified L § 58-19-36 (2021)
2021 South Dakota Codified Laws|Title 58 - Insurance|Chapter 19 - Credit Life, Health, Unemployment And Group Property Insurance|Section 58-19-36 - Revocation or suspension of license or certificate for violation--Notice and hearing--Judicial review.

58-19-36. Revocation or suspension of license or certificate for violation--Notice and hearing--Judicial review.The director may revoke or suspend the license or certificate of authority of the person, firm, or corporation guilty of violation of an order of the commissioner after it has become final, and while such order is in effect. Such order for suspension or revocation shall be upon notice and hearing, and shall be subject to judicial review as provided in chapter 1-26. Source: SL 1966, ch 111, ch 27, §13; SL 1978, ch 359, §15.
SD Codified L § 58-19-37 (2021)
2021 South Dakota Codified Laws|Title 58 - Insurance|Chapter 19 - Credit Life, Health, Unemployment And Group Property Insurance|Section 58-19-37 - Civil forfeiture for violations of orders of director.

58-19-37. Civil forfeiture for violations of orders of director.In addition to any other penalty provided by law, any person, firm, or corporation which violates an order of the director after it has become final, and while such order is in effect, shall, upon proof thereof to the satisfaction of the court, forfeit and pay to the State of South Dakota a sum not to exceed two hundred fifty dollars which may be recovered in a civil action, except that if such violation is found to be willful, the amount of such penalty shall be a sum not to exceed one thousand dollars. Source: SL 1966, ch 111, ch 27, §13.
SD Codified L § 58-19-38 (2021)
2021 South Dakota Codified Laws|Title 58 - Insurance|Chapter 19 - Credit Life, Health, Unemployment And Group Property Insurance|Section 58-19-38 - Citation of chapter.

58-19-38. Citation of chapter.This chapter may be cited as "The Model Act for the Regulation of Credit Life Insurance and Credit Health Insurance." Source: SL 1966, ch 111, ch 27, §2 (1).
SD Codified L § 58-19-39 (2021)
2021 South Dakota Codified Laws|Title 58 - Insurance|Chapter 19 - Credit Life, Health, Unemployment And Group Property Insurance|Section 58-19-39 - Credit unemployment insurance sold in connection with loans subject to chapter.

58-19-39. Credit unemployment insurance sold in connection with loans subject to chapter.Any credit unemployment insurance sold in connection with loans or other credit transactions is subject to the provisions of this chapter to the extent such provisions are not inconsistent with the specific provisions of §§58-19-40 to 58-19-46, inclusive. Source: SL 1987, ch 380, §1.
SD Codified L § 58-19-40 (2021)
2021 South Dakota Codified Laws|Title 58 - Insurance|Chapter 19 - Credit Life, Health, Unemployment And Group Property Insurance|Section 58-19-40 - Credit unemployment insurance not required by lender in consumer transactions.

58-19-40. Credit unemployment insurance not required by lender in consumer transactions.Credit unemployment insurance may be offered but in no event may be required by the lender in consumer transactions. This shall be clearly and conspicuously disclosed to the consumer in the loan agreement. Source: SL 1987, ch 380, §2.
SD Codified L § 58-19-41 (2021)
2021 South Dakota Codified Laws|Title 58 - Insurance|Chapter 19 - Credit Life, Health, Unemployment And Group Property Insurance|Section 58-19-41 - Coverage of credit unemployment insurance to begin first day of unemployment.

58-19-41. Coverage of credit unemployment insurance to begin first day of unemployment.Credit unemployment insurance shall provide coverage beginning with the first day of unemployment. However, the policy may include a waiting period before the consumer may file a claim. Source: SL 1987, ch 380, §3.
SD Codified L § 58-19-42 (2021)
2021 South Dakota Codified Laws|Title 58 - Insurance|Chapter 19 - Credit Life, Health, Unemployment And Group Property Insurance|Section 58-19-42 - Credit unemployment insurance separately sold and priced--Exception--Not to be required for credit card issuance or renewal.

58-19-42. Credit unemployment insurance separately sold and priced--Exception--Not to be required for credit card issuance or renewal.Credit unemployment insurance shall be sold separately and shall be separately priced from any other insurance offered or sold at the same time unless credit unemployment insurance is included as part of an insurance offering by a credit card issuer. However, credit unemployment insurance may not be required as a condition for the issuance or renewal of a credit card. Source: SL 1987, ch 380, §4; SL 1988, ch 403.
SD Codified L § 58-19-43 (2021)
2021 South Dakota Codified Laws|Title 58 - Insurance|Chapter 19 - Credit Life, Health, Unemployment And Group Property Insurance|Section 58-19-43 - Filing of credit unemployment insurance policies, certificates, notices, applications, endorsements, and riders, and premium rate schedules.

58-19-43. Filing of credit unemployment insurance policies, certificates, notices, applications, endorsements, and riders, and premium rate schedules.All credit unemployment insurance policies, certificates of insurance, notices of proposed insurance, applications for insurance, endorsements, and riders delivered or issued for delivery in this state and the schedules of premium rates pertaining thereto shall be filed with the director. Source: SL 1987, ch 380, §5.
SD Codified L § 58-19-44 (2021)
2021 South Dakota Codified Laws|Title 58 - Insurance|Chapter 19 - Credit Life, Health, Unemployment And Group Property Insurance|Section 58-19-44 - Disapproval by director if premium rates excessive or provisions unjust.

58-19-44. Disapproval by director if premium rates excessive or provisions unjust.Within thirty days after the filing of any credit unemployment insurance policy, certificate of insurance, notice of proposed insurance, application for insurance, endorsement, or rider, the director shall disapprove any such form if the premium rates charged or to be charged are excessive in relation to benefits, or if such form contains provisions which are unjust, unfair, inequitable, misleading, deceptive, or encourage misrepresentation of the coverage, or are contrary to any provision of this title. Source: SL 1987, ch 380, §6.
SD Codified L § 58-19-45 (2021)
2021 South Dakota Codified Laws|Title 58 - Insurance|Chapter 19 - Credit Life, Health, Unemployment And Group Property Insurance|Section 58-19-45 - Test of reasonableness of benefits to premium charged--Prima facie evidence--Restriction on commissions.

58-19-45. Test of reasonableness of benefits to premium charged--Prima facie evidence--Restriction on commissions.With regard to credit unemployment insurance, the basic test of the reasonableness of the relation of benefits to the premium charged shall be the development of an anticipated loss ratio of claims incurred to premiums earned of at least fifty percent. If the total current expected expenses, including acquisition expenses, exceed fifty percent of the premium dollar, this shall be considered prima facie evidence that a company intends to write credit business at a loss ratio which is not in compliance with this rule. Commissions, including retrospective premium refunds, bonuses, or acquisition expenses, may not exceed forty percent. If any company is not in compliance with this rule, it shall show just cause why the premium rates as filed should not be disapproved. Source: SL 1987, ch 380, §7.
SD Codified L § 58-19-46 (2021)
2021 South Dakota Codified Laws|Title 58 - Insurance|Chapter 19 - Credit Life, Health, Unemployment And Group Property Insurance|Section 58-19-46 - Review of insurance company's actuarial data--Reimbursement of cost.

58-19-46. Review of insurance company's actuarial data--Reimbursement of cost.In approving or establishing the premium rates for credit unemployment insurance, the division shall review the insurance company's actuarial data to assure that the rates are fair and reasonable. The insurance director may hire or contract with a qualified actuary to review the data. The insurance division shall obtain reimbursement from the insurance company for the cost of the actuarial review of rates. Source: SL 1987, ch 380, §8; SL 2002, ch 238, §1.
SD Codified L § 58-19-47 (2021)
2021 South Dakota Codified Laws|Title 58 - Insurance|Chapter 19 - Credit Life, Health, Unemployment And Group Property Insurance|Section 58-19-47 - Group property insurance authorized by credit card subject to chapter.

58-19-47. Group property insurance authorized by credit card subject to chapter.Any group property insurance authorized by credit card is subject to the provisions of this chapter to the extent such provisions are not inconsistent with the specific provisions of §§58-19-48 to 58-19-50, inclusive. Source: SL 2001, ch 281, §3.
SD Codified L § 58-19-48 (2021)
2021 South Dakota Codified Laws|Title 58 - Insurance|Chapter 19 - Credit Life, Health, Unemployment And Group Property Insurance|Section 58-19-48 - Group property insurance to be sold and priced separately--Exceptions--Insurance not to be condition for issuance or renewal of credit card.

58-19-48. Group property insurance to be sold and priced separately--Exceptions--Insurance not to be condition for issuance or renewal of credit card.Group property insurance authorized by credit card shall be sold separately and shall be separately priced from any other insurance offered or sold at the same time unless it is included as part of an insurance offering provided to the debtor through the use of a credit card purchase of goods or services. Group property insurance authorized by credit card may not be required as a condition for the issuance or renewal of a credit card. Source: SL 2001, ch 281, §4.
SD Codified L § 58-19-49 (2021)
2021 South Dakota Codified Laws|Title 58 - Insurance|Chapter 19 - Credit Life, Health, Unemployment And Group Property Insurance|Section 58-19-49 - All group property insurance policies, certificates, and documentation to be filed with the director.

58-19-49. All group property insurance policies, certificates, and documentation to be filed with the director.All group property insurance authorized by credit card insurance policies, certificates of insurance, notices of proposed insurance, applications for insurance, endorsements and riders delivered or issued for delivery in this state and the schedules of premium rates pertaining thereto shall be filed with the director. Source: SL 2001, ch 281, §5.
SD Codified L § 58-19-50 (2021)
2021 South Dakota Codified Laws|Title 58 - Insurance|Chapter 19 - Credit Life, Health, Unemployment And Group Property Insurance|Section 58-19-50 - Disapproval of group property insurance by director--Grounds--Time limit.

58-19-50. Disapproval of group property insurance by director--Grounds--Time limit.Within thirty days after the filing of any group property insurance authorized by credit card insurance policy, certificate of insurance, notice of proposed insurance, application for insurance, endorsement or rider, the director shall disapprove any such form if the premium rates charged or to be charged are excessive in relation to benefits, or if such form contains provisions which are unjust, unfair, inequitable, misleading, deceptive, or encourage misrepresentation of the insurance, or are contrary to any provision of this title. If such filing is not disapproved by the director within this thirty-day period, it shall be deemed approved. Source: SL 2001, ch 281, §6.
SD Codified L § 58-20-1 (2021)
2021 South Dakota Codified Laws|Title 58 - Insurance|Chapter 20 - Workers' Compensation Insurance|Section 58-20-1 - Definition of terms.

58-20-1. Definition of terms.Terms used in this chapter, unless the context otherwise plainly requires, shall mean:(1)"Compensation" shall relate to all insurances effected by virtue of statutes providing compensation to employees for personal injuries irrespective of fault of the employer;(2)"Earned premiums" shall include gross premiums charged on all policies written, including all determined excess and additional premiums, less return premiums, other than premiums returned to policyholders as dividends, and less reinsurance premiums and premiums on policies canceled, and less unearned premiums on policies in force. Any participating insurer which has charged in its premiums a loading solely for dividends, shall not be required to include such loading in its earned premiums, provided a statement of the amount of such loading has been filed with and approved by the director;(3)"Liability" shall relate to all insurance except compensation insurance against loss or damage from accident to or injury suffered by an employee or other person and for which the insured is liable;(4)"Loss payments" and "loss expense payments" shall include payments to claimants, including payments for medical or surgical attendants, legal expenses, salaries and expenses of investigators, adjusters and field men, rents, stationery, telegraph and telephone charges, postage, salaries and expenses of office employees, home office expenses, and all other payments made on account of claims, whether such payments shall be allocated to specific claims or unallocated. Source: SL 1966, ch 111, ch 29, §1.
SD Codified L § 58-20-2 (2021)
2021 South Dakota Codified Laws|Title 58 - Insurance|Chapter 20 - Workers' Compensation Insurance|Section 58-20-2 - Policies subject to chapter.

58-20-2. Policies subject to chapter.All policies or contracts made for the insurance of the compensation provided by the title, Workers' Compensation, or against employers' liability described in §58-20-12, shall be deemed to be made subject to the provisions of this chapter and all provisions of such policies inconsistent herewith shall be void. Source: SL 1966, ch 111, ch 29, §13.
SD Codified L § 58-20-3 (2021)
2021 South Dakota Codified Laws|Title 58 - Insurance|Chapter 20 - Workers' Compensation Insurance|Section 58-20-3 - Issuance of policies covering employers as well as employees--Wage values of employers--Rights and remedies of employers.

58-20-3. Issuance of policies covering employers as well as employees--Wage values of employers--Rights and remedies of employers.Any insurer authorized or which may be authorized to write workers' compensation insurance in this state, shall be and is hereby authorized to issue policies covering employers who perform labor incidental to their occupations as well as employees, such policies insuring to such employers the same compensation as provided for their employees and at the same rates. The estimation of wage values of employers as herein mentioned, shall be reasonable and separately stated in and added to the valuation of their payrolls on which their premiums are computed. Employers so insured shall have the same rights and remedies as are given to an employee under Title 62. Source: SL 1966, ch 111, ch 29, §14.
SD Codified L § 58-20-3.1 (2021)
2021 South Dakota Codified Laws|Title 58 - Insurance|Chapter 20 - Workers' Compensation Insurance|Section 58-20-3.1 - Premiums based on certain wages prohibited.

58-20-3.1. Premiums based on certain wages prohibited.Premiums for workers' compensation insurance may not be based on wages paid to employees while they are on vacation, holidays, or sick leave or on wages received from employment not performed for the insured employer. Source: SL 1983, ch 386; SL 2016, ch 236, §7.
SD Codified L § 58-20-4 (2021)
2021 South Dakota Codified Laws|Title 58 - Insurance|Chapter 20 - Workers' Compensation Insurance|Section 58-20-4 - Separate coverage of workers' compensation liabilities.

58-20-4. Separate coverage of workers' compensation liabilities.Every policy of workers' compensation insurance, issued or delivered in this state by an authorized domestic or foreign insurer, shall cover separately and for a separate consideration, all the liabilities which are imposed upon an insurer by the provisions of the title, Workers' Compensation, and amendments thereof, whatever other contingencies may be insured by riders attached thereto or endorsements made thereon. Source: SL 1966, ch 111, ch 29, §5.
SD Codified L § 58-20-5 (2021)
2021 South Dakota Codified Laws|Title 58 - Insurance|Chapter 20 - Workers' Compensation Insurance|Section 58-20-5 - Entire liability of employer to employees covered by policy--Separate policy for specified plant or work location, special authorization.

58-20-5. Entire liability of employer to employees covered by policy--Separate policy for specified plant or work location, special authorization.Every policy of insurance issued by a stock insurer, or by a mutual association authorized to transact workers' compensation or employers' liability insurance in this state, shall cover the entire liability of the employer to his employees covered by the policy or contract. However, if specifically authorized by the director, a separate policy may be issued for a specified plant or work location if the liability of such employer under this chapter to all his other employees, is otherwise secured. Source: SL 1966, ch 111, ch 29, §7.