reglab/housing_qa huggingface dataset:
IN Code § 27-7-3.7-10 (2021)
2021 Indiana Code|Title 27. Insurance|Article 7. Special Types of Insurance|Chapter 3.7. Escrow Transactions in Real Estate Transactions|27-7-3.7-10. Advance of Fees From Escrow Account to Pay Incidental Fees

Sec. 10. A closing agent may advance an amount not to exceed five hundred dollars ($500) from an escrow account on behalf of a party to an escrow transaction for the purpose of paying incidental fees, including conveyance and recording fees. Incidental fees may be paid in order to:(1) effect and close the sale of;(2) purchase;(3) exchange;(4) transfer;(5) encumber; or(6) lease;real property that is the subject of the escrow transaction.As added by P.L.92-2009, SEC.1.
IN Code § 27-7-5-0.1 (2021)
2021 Indiana Code|Title 27. Insurance|Article 7. Special Types of Insurance|Chapter 5. Uninsured Motorist Coverage and Underinsured Motorist Coverage|27-7-5-0.1. Application of Certain Amendments to Chapter

Sec. 0.1. The following amendments to this chapter apply as follows:(1) The amendments made to section 2 of this chapter by P.L.391-1987(ss) apply only to policies first issued after December 31, 1987.(2) Notwithstanding the effective date of P.L.124-2009, SECTION 1, the amendments made to section 2 of this chapter by P.L.124-2009 apply to a case in which:(A) a claim under a policy's uninsured motorist coverage or underinsured motorist coverage arises after December 31, 2009;(B) a rejection is made under section 2 of this chapter, as amended by P.L.124-2009 of the uninsured motorist coverage or underinsured motorist coverage under which the claim described in subdivision (1) is made; and(C) the rejection described in clause (B) is made after December 31, 2009.As added by P.L.220-2011, SEC.433.
IN Code § 27-7-5-3 (2021)
2021 Indiana Code|Title 27. Insurance|Article 7. Special Types of Insurance|Chapter 5. Uninsured Motorist Coverage and Underinsured Motorist Coverage|27-7-5-3. Property Damage Coverage; Authorization

Sec. 3. (a) Insurers shall additionally offer to provide uninsured motorist property damage coverage without any deductible amount and may offer uninsured motorist property damage coverage with a deductible of not more than the first three hundred dollars ($300.00) of property damage caused by collision. However, any such deductible amount for property damage shall be waived for damage resulting from collision if the insured motor vehicle is legally parked and unoccupied when involved in a motor vehicle accident for which the insured is legally entitled to recover damages from an uninsured motorist.(b) Property damage losses recoverable under the provisions of this chapter are limited to damages to the insured motor vehicle and the personal property owned by the insured which is contained in the insured motor vehicle and shall not include the loss of use of damaged or destroyed property.(c) Any claim for property damage submitted under an uninsured motorist coverage must include the name and address of the at-fault operator and any other information to establish the at-fault operator is without motor vehicle liability insurance. There shall be no liability imposed upon an insurer where the owner or operator of the other vehicle cannot be identified.As added by Acts 1982, P.L.166, SEC.2. Amended by P.L.259-1983, SEC.5.
IN Code § 27-7-5-4 (2021)
2021 Indiana Code|Title 27. Insurance|Article 7. Special Types of Insurance|Chapter 5. Uninsured Motorist Coverage and Underinsured Motorist Coverage|27-7-5-4. "Uninsured Motor Vehicle" and "Underinsured Motor Vehicle" Defined; Insurer's Insolvency Protection

Sec. 4. (a) For the purpose of this chapter, the term uninsured motor vehicle, subject to the terms and conditions of such coverage, means a motor vehicle without liability insurance or a motor vehicle not otherwise in compliance with the financial responsibility requirements of IC 9-25 or any similar requirements applicable under the law of another state, and includes an insured motor vehicle where the liability insurer of the vehicle is unable to make payment with respect to the legal liability of its insured within the limits specified in IC 9-25-4-5 because of insolvency.(b) For the purpose of this chapter, the term underinsured motor vehicle, subject to the terms and conditions of such coverage, includes an insured motor vehicle where the limits of coverage available for payment to the insured under all bodily injury liability policies covering persons liable to the insured are less than the limits for the insured's underinsured motorist coverage at the time of the accident, but does not include an uninsured motor vehicle as defined in subsection (a).(c) An insurer's insolvency protection applies only to accidents occurring during a policy period in which its insured's uninsured motorist coverage is in effect and where the liability insurer of the tortfeasor becomes insolvent within two (2) years after such an accident. However, nothing contained in this section shall be construed to prevent any insurer from affording insolvency protection under terms and conditions more favorable to its insured than is provided under this section.As added by Acts 1982, P.L.166, SEC.3. Amended by P.L.391-1987(ss), SEC.2; P.L.2-1991, SEC.89; P.L.1-1992, SEC.152; P.L.1-1993, SEC.204.
IN Code § 27-7-5-5 (2021)
2021 Indiana Code|Title 27. Insurance|Article 7. Special Types of Insurance|Chapter 5. Uninsured Motorist Coverage and Underinsured Motorist Coverage|27-7-5-5. Limitations on Coverage

Sec. 5. (a) The policy or endorsement affording coverage specified in this chapter may provide that the total limit of all insurers' liability arising out of any one (1) accident shall not exceed the highest limits under any one (1) policy applicable to the loss, but in no event may coverage be less than the minimum set forth in IC 9-25-4-5.(b) When the coverage specified in this chapter is written to apply to one (1) or more motor vehicles under a single automobile liability policy, such coverage applies only to the operation of those motor vehicles for which a specific uninsured or underinsured motorist premium charge has been made and does not apply to the operation of any motor vehicles insured under the policy or owned by the named insured for which a premium charge has not been made.(c) The maximum amount payable for bodily injury under uninsured or underinsured motorist coverage is the lesser of:(1) the difference between:(A) the amount paid in damages to the insured by or for any person or organization who may be liable for the insured's bodily injury; and(B) the per person limit of uninsured or underinsured motorist coverage provided in the insured's policy; or(2) the difference between:(A) the total amount of damages incurred by the insured; and(B) the amount paid by or for any person or organization liable for the insured's bodily injury.As added by Acts 1982, P.L.166, SEC.4. Amended by P.L.391-1987(ss), SEC.3; P.L.2-1991, SEC.90; P.L.1-1992, SEC.153; P.L.1-1993, SEC.205.
IN Code § 27-7-5-6 (2021)
2021 Indiana Code|Title 27. Insurance|Article 7. Special Types of Insurance|Chapter 5. Uninsured Motorist Coverage and Underinsured Motorist Coverage|27-7-5-6. Subrogation

Sec. 6. (a) The policy or endorsement affording the coverage specified in this chapter may also provide that payment to any person of sums as damages under such coverage shall operate to subrogate the insurer to any cause of action in tort which such person may have against any other person or organization legally responsible for the bodily injury or death, or property damage, because of which such payment is made. The insurer shall be subrogated, to the extent of such payment, to the proceeds of any settlement or judgment that may later result from the exercise of any rights of recovery of such person against any person or organization legally responsible for said bodily injury or death, or property damage, for which payment is made by the insurer. Such insurer may enforce such rights in its own name or in the name of the person to whom payment has been made, as in their interest may appear, by proper action in any court of competent jurisdiction.(b) An insurer providing underinsured motorist coverage does not have a right of subrogation against an underinsured motorist if:(1) the insurer has been provided with a written notice that:(A) informs the insurer of the existence of a bona fide offer of agreement or settlement between its insured and the underinsured motorist; and(B) includes a certification of the liability coverage limits of the underinsured motorist; and(2) the insurer fails to advance payment to the insured in an amount equal to the amount provided for in the offer of agreement or settlement within thirty (30) days after the insurer receives the notice described in subdivision (1).However, an insurer that, under the circumstances described in subdivision (1), advances payment to the insured in an amount equal to the amount provided for in the offer of agreement or settlement, has full rights of subrogation as provided in its policy or endorsement affording the underinsured motorist coverage.(c) When an insurer makes payment under uninsured motorist coverage or underinsured motorist coverage because of the insolvency of an insolvent insurer (as defined in IC 27-6-8), the paying insurer's rights of reimbursement and subrogation do not include any rights of recovery against:(1) the insured of the insolvent insurer; or(2) the Indiana Insurance Guaranty Association created by IC 27-6-8-5;except that the paying insurer may recover from the insured of the insolvent insurer that part of its payment that exceeds the limits of liability of the policy of the insolvent insurer.As added by Acts 1982, P.L.166, SEC.5. Amended by P.L.121-1990, SEC.7.
IN Code § 27-7-5.1-1 (2021)
2021 Indiana Code|Title 27. Insurance|Article 7. Special Types of Insurance|Chapter 5.1. Miscellaneous Motor Vehicle Insurance Provisions|27-7-5.1-1. "Financial Responsibility"

Sec. 1. As used in this chapter, "financial responsibility" means the ability to respond in damages as described in IC 9-25-2-3.As added by P.L.136-2015, SEC.1.
IN Code § 27-7-5.1-2 (2021)
2021 Indiana Code|Title 27. Insurance|Article 7. Special Types of Insurance|Chapter 5.1. Miscellaneous Motor Vehicle Insurance Provisions|27-7-5.1-2. "Motor Vehicle Insurance Policy"

Sec. 2. As used in this chapter, "motor vehicle insurance policy" means a policy that provides the kind of coverage described in Class 2(f) of IC 27-1-5-1.As added by P.L.136-2015, SEC.1.
IN Code § 27-7-5.1-3 (2021)
2021 Indiana Code|Title 27. Insurance|Article 7. Special Types of Insurance|Chapter 5.1. Miscellaneous Motor Vehicle Insurance Provisions|27-7-5.1-3. "Noneconomic Damages"

Sec. 3. (a) As used in this chapter, "noneconomic damages" means costs for the following:(1) Physical and emotional pain and suffering.(2) Physical impairment.(3) Emotional distress.(4) Mental anguish.(5) Loss of enjoyment.(6) Loss of companionship, services, and consortium.(7) Any other nonpecuniary loss proximately caused by a motor vehicle accident.(b) The term does not include costs for the following:(1) Treatment and rehabilitation.(2) Medical expenses.(3) Loss of economic or educational potential.(4) Loss of productivity.(5) Absenteeism.(6) Support expenses.(7) Accidents or injury.(8) Any other pecuniary loss proximately caused by a motor vehicle accident.As added by P.L.136-2015, SEC.1.
IN Code § 27-7-5.1-4 (2021)
2021 Indiana Code|Title 27. Insurance|Article 7. Special Types of Insurance|Chapter 5.1. Miscellaneous Motor Vehicle Insurance Provisions|27-7-5.1-4. "Uninsured Motorist With a Previous Violation"

     Note: This version of section effective until 12-31-2021. See also following version of this section, effective 12-31-2021.Sec. 4. As used in this chapter, "uninsured motorist with a previous violation" means an individual who:(1) owns a motor vehicle:(A) that is involved in an accident; and(B) for which financial responsibility is not in effect as required by IC 9-25-4; and(2) during the immediately preceding five (5) years, has been required to provide proof of future financial responsibility for any period under IC 9-25-8-6(b);regardless of whether the individual is operating the motor vehicle at the time of the accident.As added by P.L.136-2015, SEC.1.
IN Code § 27-7-5.1-4-b (2021)
2021 Indiana Code|Title 27. Insurance|Article 7. Special Types of Insurance|Chapter 5.1. Miscellaneous Motor Vehicle Insurance Provisions|27-7-5.1-4-b. "Uninsured Motorist With a Previous Violation"

     Note: This version of section effective 12-31-2021. See also preceding version of this section, effective until 12-31-2021.Sec. 4. As used in this chapter, "uninsured motorist with a previous violation" means an individual who:(1) owns a motor vehicle:(A) that is involved in an accident; and(B) for which financial responsibility is not in effect as required by IC 9-25-4; and(2) during the immediately preceding five (5) years, has been required to provide proof of future financial responsibility for any period;regardless of whether the individual is operating the motor vehicle at the time of the accident.As added by P.L.136-2015, SEC.1. Amended by P.L.86-2021, SEC.20.
IN Code § 27-7-5.1-5 (2021)
2021 Indiana Code|Title 27. Insurance|Article 7. Special Types of Insurance|Chapter 5.1. Miscellaneous Motor Vehicle Insurance Provisions|27-7-5.1-5. Prohibition on Payment of Noneconomic Damages

Sec. 5. An insurer may not pay noneconomic damages on a claim for coverage under a motor vehicle insurance policy issued by the insurer if the claim is for coverage for a loss incurred by an uninsured motorist with a previous violation.As added by P.L.136-2015, SEC.1.
IN Code § 27-7-5.1-6 (2021)
2021 Indiana Code|Title 27. Insurance|Article 7. Special Types of Insurance|Chapter 5.1. Miscellaneous Motor Vehicle Insurance Provisions|27-7-5.1-6. Application of Prohibition

Sec. 6. (a) Section 5 of this chapter does not apply to a claim for coverage for a loss incurred by an uninsured motorist with a previous violation who is less than eighteen (18) years of age.(b) Section 5 of this chapter does not apply to a claim for coverage for a loss incurred by any person other than an uninsured motorist with a previous violation.(c) Section 5 of this chapter does not apply if a person other than the uninsured motorist with a previous violation:(1) operates a motor vehicle involved in the accident; and(2) is convicted of a crime in connection with the accident.As added by P.L.136-2015, SEC.1.
IN Code § 27-7-6-1 (2021)
2021 Indiana Code|Title 27. Insurance|Article 7. Special Types of Insurance|Chapter 6. Cancellation of Automobile Insurance Policies|27-7-6-1. Limitations on Power of Issuance, Cancellation, and Nonrenewal

Sec. 1. The issuance, cancellation, and nonrenewal of automobile insurance policies by insurers shall be subject to the limitations set out in this chapter.Formerly: Acts 1969, c.332, s.1. As amended by P.L.252-1985, SEC.263; P.L.121-1990, SEC.8.
IN Code § 27-7-6-2 (2021)
2021 Indiana Code|Title 27. Insurance|Article 7. Special Types of Insurance|Chapter 6. Cancellation of Automobile Insurance Policies|27-7-6-2. "Automobile Insurance Policy", "Automobile Liability Coverage", and "Policy"

Sec. 2. "Automobile insurance policy" means a policy delivered or issued for delivery in this state or covering a motor vehicle required to be registered in this state providing coverage for bodily injury and property damage liability, medical payments, and uninsured motorists or any combination of these coverages, and insuring as the named insured a natural person or more than one (1) natural persons related to each other, resident of the same household, and under which the insured vehicles designated in the policy are as:(1) a motor vehicle of the private passenger or station wagon type that is not used as a public or livery conveyance for passengers, nor rented to others; or(2) any other four-wheel motor vehicle with a load capacity of one thousand five hundred (1,500) pounds or less which is not used in the occupation, profession, or business of the insured; provided, however, that this chapter shall not apply:(A) to any policy issued under an automobile assigned risk plan; or(B) to any policy covering garage, automobile sales agency, repair shop, service station, or public parking place operation hazards."Automobile liability coverage" includes only coverage of bodily injury and property damage liability, medical payments and uninsured motorists coverage."Policy" shall be deemed to mean a policy providing automobile liability coverage.Formerly: Acts 1969, c.332, s.2. As amended by P.L.252-1985, SEC.264; P.L.146-2015, SEC.30; P.L.136-2018, SEC.185.
IN Code § 27-7-6-3 (2021)
2021 Indiana Code|Title 27. Insurance|Article 7. Special Types of Insurance|Chapter 6. Cancellation of Automobile Insurance Policies|27-7-6-3. "Renewal" or "To Renew" Defined

Sec. 3. "Renewal" or "to renew" means the issuance and delivery by an insurer of a policy replacing at the end of the policy period a policy previously issued and delivered by the same insurer insuring the same insured, or the issuance and delivery of a certificate or notice extending the term of a policy beyond its policy period or term; provided, however, that any policy with a policy period or term of six (6) months or less and any policy with no fixed expiration date shall for the purposes of this chapter be considered as if written for a policy period or term of six (6) months; and provided further, that any policy written for a term longer than one (1) year shall for the purposes of this chapter be considered as if written for successive policy periods or terms of one (1) year, and such policy may be terminated by the insurer at the expiration of any annual period upon giving twenty (20) days notice of cancellation prior to such anniversary date, and such cancellation shall not be subject to any other provisions of this chapter.Formerly: Acts 1969, c.332, s.3. As amended by P.L.252-1985, SEC.265.
IN Code § 27-7-6-4 (2021)
2021 Indiana Code|Title 27. Insurance|Article 7. Special Types of Insurance|Chapter 6. Cancellation of Automobile Insurance Policies|27-7-6-4. Notice of Cancellation; Authorized Reasons

Sec. 4. A notice of cancellation by an insurer of an automobile insurance policy as defined in this chapter shall be effective only if such cancellation is for one (1) or more of the following reasons:(a) Nonpayment of premium which is defined to mean for the purposes of this chapter the failure of the named insured to discharge when due any of his obligations in connection with the payment of premiums on a policy, or any installment of such premium whether the premium is payable directly to the insurer or its agent or indirectly under any premium finance plan or extension of credit.(b) The driver's license or motor vehicle registration of the named insured or of any other operator who either resides in the same household or customarily operates an automobile insured under the policy has been denied or has been under suspension or revocation during the policy period or the existence of one (1) or more grounds for such denial, suspension, or revocation has become known.(c) The named insured or any other operator who either resides in the same household or customarily operates an automobile insured under the policy:(1) is under treatment for epilepsy or heart disease and does not produce a certificate from a physician testifying to the operator's unqualified ability to operate a motor vehicle safely; or(2) uses drugs or alcoholic beverages to excess.(d) Fraud, willful misrepresentation, or concealment on the part of any insured in respect to any material fact or circumstance relating to the issuance or continuance of the policy or relating to a loss.(e) Violation of any terms or conditions of the policy.(f) The place of residence of the insured or the state of registration or license of the insured automobile is changed to a state or country in which the insurer is not licensed.Provided, however, that a change or substitution in policy form shall not be deemed to be a cancellation within the intent of this chapter; provided, further, that nothing in this section shall apply to nonrenewals. This section shall not apply to any policy or coverage which has been in effect less than sixty (60) days at the time notice of cancellation is mailed or delivered by the insurer unless it is a renewal policy.Formerly: Acts 1969, c.332, s.4. As amended by P.L.252-1985, SEC.266.
IN Code § 27-7-6-5 (2021)
2021 Indiana Code|Title 27. Insurance|Article 7. Special Types of Insurance|Chapter 6. Cancellation of Automobile Insurance Policies|27-7-6-5. Notice of Cancellation

Sec. 5. (a) A notice of cancellation of a policy to which section 4 of this chapter applies is not effective:(1) unless it is mailed by the insurer to the named insured at least twenty (20) days prior to the effective date of cancellation; or(2) if the cancellation is for nonpayment of premium, unless it is:(A) mailed by the insurer to the named insured at least ten (10) days before the effective date of cancellation; and(B) accompanied by a written statement of the reason for the cancellation.(b) If a policy was procured by an independent insurance producer duly licensed by the state of Indiana, notice of intent to cancel the policy shall be mailed to the independent insurance producer at least ten (10) days prior to the mailing of the notice of cancellation to the named insured under subsection (a), unless such notice of intent to cancel is or has been waived in writing by the independent insurance producer.(c) Unless a written statement of the reason for the cancellation accompanies or is included in the notice of cancellation, the notice of cancellation of a policy that is mailed under subsection (a) shall state or be accompanied by a statement that, upon the written request of the named insured that is mailed to the insurer not less than fifteen (15) days prior to the effective date of cancellation, the insurer will specify the reason for such cancellation.(d) This section does not apply to nonrenewal.Formerly: Acts 1969, c.332, s.5. As amended by P.L.252-1985, SEC.267; P.L.178-2003, SEC.45; P.L.196-2021, SEC.35.
IN Code § 27-7-6-6 (2021)
2021 Indiana Code|Title 27. Insurance|Article 7. Special Types of Insurance|Chapter 6. Cancellation of Automobile Insurance Policies|27-7-6-6. Notice of Nonrenewal

Sec. 6. (a) An insurer shall not fail to renew a policy unless it mails to the named insured, at the address shown in the policy, at least twenty (20) days advance notice of its intention not to renew the policy.(b) If a policy was procured by an independent insurance producer duly licensed by the state of Indiana, a notice of intent not to renew the policy shall be mailed to the independent insurance producer at least ten (10) days prior to the mailing of the notice of intention not to renew to the named insured under subsection (a), unless such notice of intent is or has been waived in writing by the independent insurance producer.(c) This section does not apply:(1) if the insurer has manifested its willingness to renew; or(2) in case of nonpayment of premium.However, notwithstanding the failure of an insurer to comply with this section, the policy shall terminate on the effective date of any other insurance policy with respect to any automobile designated in both policies.(d) A notice of intention not to renew is not required under this section if:(1) the insured is transferred from an insurer to an affiliate of the insurer for future coverage; and(2) the transfer results in the same or broader coverage.(e) Renewal of a policy shall not constitute a waiver or estoppel with respect to grounds for cancellation which existed before the effective date of such renewal.Formerly: Acts 1969, c.332, s.6. As amended by P.L.160-2003, SEC.24; P.L.178-2003, SEC.46; P.L.97-2004, SEC.98; P.L.148-2017, SEC.16; P.L.196-2021, SEC.36.