reglab/statecodes huggingface dataset:
2023 Massachusetts General Laws › Part I - Administration of the Government › Title XXII - Corporations › Chapter 175 - Insurance › Section 108d - Reimbursement for Chiropractic Services

Section 108D. Whenever any policy, contract, agreement, plan or certificate of insurance, including any self-insured sickness, health or welfare plan issued within or without the commonwealth provides for reimbursement for any service which is within the lawful scope of practice of a chiropractor licensed under the provisions of chapter one hundred and twelve, the insured or other person entitled to benefits under such policy, contract, agreement, plan or certificate shall be entitled to reimbursement for such services, whether such services are performed by a medical physician or a chiropractor licensed by the commonwealth, notwithstanding any provision contained in such policy, contract, agreement, plan or certificate to the contrary.
2023 Massachusetts General Laws › Part I - Administration of the Government › Title XXII - Corporations › Chapter 175 - Insurance › Section 108g - Discrimination in Issuance, Denial, Cancellation, Renewal or Rates of Policy of Accident and Sickness Insurance Based on Information That Individual Has Been Victim of Abuse Prohibited

Section 108G. No company, and no officer or agent thereof, and no insurance broker, shall cancel, refuse to issue or renew, or in any way make or permit any distinction or discrimination in the amount or payment of premiums or rates charged, in the length of coverage, or in any other of the terms and conditions of an individual policy of accident or sickness insurance, authorized pursuant to section one hundred and eight, or group blanket policy of accident and sickness insurance, authorized pursuant to section one hundred and ten, or a policy providing coverage against disability from injury or disease, based on information that an individual has been a victim of abuse, as defined by section one of chapter two hundred and nine A. No company, and no officer or agent thereof, and no insurance broker shall seek information that such person has been a victim of abuse as defined by said section one of said chapter two hundred and nine A. The practices prohibited under this section shall include not only those overtly discriminatory but also practices and devices which are fair in form but discriminatory in practice. Nothing in this section shall be construed as creating a special class of insureds who have been victims of abuse as defined by said section one of said chapter two hundred and nine A. Any violation of this section shall constitute an unfair method of competition or an unfair or deceptive act or practice in violation of chapters ninety-three A and one hundred and seventy-six D.
2023 Massachusetts General Laws › Part I - Administration of the Government › Title XXII - Corporations › Chapter 175 - Insurance › Section 108h - Terms of Accident or Sickness Insurance Policies; Genetic Tests; Discrimination Based on Genetic Information

Section 108H. For the purposes of this section the following words shall have the following meanings:—
''Genetic information'', a written recorded individually identifiable result of a genetic test as defined in this section or explanation of such a result.
''Genetic test'', a test of human DNA, RNA, mitochondrial DNA, chromosomes or proteins for the purpose of identifying the genes or genetic abnormalities, or the presence or absence of inherited or acquired characteristics in genetic material. For the purpose of this section, the term genetic test shall not include tests given for the exclusive purposes of determining the abuse of drugs or alcohol.
No company, and no officer or agent thereof, and no insurance broker, shall cancel, refuse to issue or renew, or in any way make or permit any distinction or discrimination in the amount of payment of premiums or rates charged, in the length of coverage, or in any other of the terms and conditions of any individual policy of accident or sickness insurance, authorized pursuant to section 108 which provides hospital and surgical expense insurance, or a group blanket policy of accident and sickness insurance authorized pursuant to section 110 which provides hospital and surgical expense insurance, based on genetic information as defined in this section. No company, officer or agent thereof, and, no insurance broker shall require genetic tests or genetic information as defined in this section, as a condition of the issuance or renewal of any such individual or group policy of accident or sickness insurance authorized pursuant to section 108 which provides hospital and surgical expense insurance or a group blanket policy of accident and sickness insurance authorized pursuant to section 110 which provides hospital expense and surgical expense insurance. Any violation of this section shall constitute an unfair method of competition or unfair or deceptive act or practice in violation of chapters 93A and 176D. The commissioner may promulgate rules and regulations pursuant to this section.
2023 Massachusetts General Laws › Part I - Administration of the Government › Title XXII - Corporations › Chapter 175 - Insurance › Section 108j - Disability Insurance Policies; Discrimination Based Upon Lawful Travel Experiences or Plans Prohibited

Section 108J. (a) An insurer or producer authorized to issue policies against disability from injury or disease in the commonwealth shall not make a distinction or otherwise discriminate between persons, reject an applicant, cancel a policy, or demand or require a higher rate of premium for reasons based solely upon an applicant's or insured's past lawful travel experiences or future lawful travel plans.
(b) This section shall not prohibit an insurer from excluding or limiting coverage under a policy issued against disability from injury or disease, or refusing to offer the policy, based upon past lawful travel or future lawful travel plans, or from charging a different rate for that coverage, when that action is based upon sound actuarial principles or is related to actual or reasonably expected experience and is not based solely on the destination's inclusion on the United States Department of State Travel Warning List.
(c) A violation of this section shall constitute an unfair method of competition or unfair and deceptive act or practice pursuant to chapter 176D.
2023 Massachusetts General Laws › Part I - Administration of the Government › Title XXII - Corporations › Chapter 175 - Insurance › Section 108l - Attribution of Members to a Primary Care Provider

Section 108L. To the maximum extent possible, carriers that offer any policy of accident and sickness insurance or any general or blanket policy of insurance that is a health benefit plan, as defined in section 1 of chapter 176J, shall attribute every member to a primary care provider. Members may change their primary care provider, provided that the member gives notice to the carrier.
2023 Massachusetts General Laws › Part I - Administration of the Government › Title XXII - Corporations › Chapter 175 - Insurance › Section 108m - Disclosure of Patient-Level Data and Contracted Prices of Individual Health Care Services by Carriers to Providers

Section 108M. To the extent permissible under applicable state and federal privacy laws, carriers shall disclose patient-level data to providers in their network solely for the purpose of carrying out treatment, coordinating care among providers and managing the care of their own patient panel; provided, that an individual provider shall only receive patient-level data related to patients treated by said provider. Patient-level data shall include, but not be limited to, health care service utilization, medical expenses, and demographics.
The division of insurance shall develop procedures and a standard format for disclosing such patient-level information. The division may require carriers to disclose such information through the all-payer claims database established under section 12 of chapter 12C if the division and the center for health information and analysis determine that the all-payer claims database is an efficient means to provide such information.
Carriers shall make available to any provider with whom they have entered into an alternative payment contract, the contracted prices of individual health care services within such payer's network for the purpose of referrals.
2023 Massachusetts General Laws › Part I - Administration of the Government › Title XXII - Corporations › Chapter 175 - Insurance › Section 108n - Disability Insurance Policies; Discrimination Based Upon Race, Color, Religious Creed, National Origin, Sex, Pregnancy, Gender Identity, Sexual Orientation or Marital Status Prohibited

Section 108N. An insurer or producer authorized to issue policies against disability from injury or disease in the commonwealth shall not make a distinction or otherwise discriminate between persons, reject an applicant, cancel a policy or demand or require a higher rate of premium for a group or individual disability contract issued or delivered in the commonwealth to 1 or more residents of the commonwealth for reasons based solely upon an applicant's or insured's race, color, religious creed, national origin, sex, pregnancy, gender identity, sexual orientation or marital status.
A violation of this section shall constitute an unfair method of competition or an unfair or deceptive act or practice in violation of chapter 176D.
2023 Massachusetts General Laws › Part I - Administration of the Government › Title XXII - Corporations › Chapter 175 - Insurance › Section 110a - Disability Insurance; Exemption From Attachment; Exception

Section 110A. So much of any benefit under a policy of insurance insuring against disability from injury or disease as does not exceed four hundred dollars for each week during any period of disability covered thereby shall not be liable to attachment, trustee process or other process, or to be seized, taken, appropriated or applied by any legal or equitable process or by operation of law, either before or after payment of such benefit, to pay any debt or liabilities of the person insured under such policy, but this exemption shall not apply where an action or suit is brought to recover for necessaries contracted for during said period and the writ or bill of complaint contains a statement to that effect.
2023 Massachusetts General Laws › Part I - Administration of the Government › Title XXII - Corporations › Chapter 175 - Insurance › Section 110b - Non-Payment of Premium of Accident, Health or Individual Life Insurance Policy; Termination or Lapse of Policy; Notice; Limitation of Action

Section 110B. No policy of insurance referred to in section one hundred and eight and no policy of individual life insurance issued or delivered in the commonwealth, except a policy which by its terms is cancellable by the company or is renewable or continuable with its consent, or except a policy the premiums for which are payable monthly or at shorter intervals, shall terminate or lapse for nonpayment of any premium until the expiration of three months from the due date of such premium, unless the company within not less than ten nor more than forty-five days prior to said due date, shall have mailed, postage prepaid, duly addressed to the insured at his last address shown by the company's records, or in case any other person shall have been designated to receive premium notices and written designation of the name and address of such person has been given to the company, then to that person, a notice showing the amount of such premium and its due date. Such notice shall also contain a statement as to the lapse of the policy if no payment is made as provided in the policy. If such a notice is not so sent, the premium in default may be paid at any time within said period of three months. The affidavit of any officer, clerk or agent of the company, or of any other person authorized to mail such notice, that the notice required by this section has been duly mailed by the company in the manner hereinbefore required, shall be prima facie evidence that such notice was duly given. No action shall be maintained on any policy to which this section applies and which has lapsed for nonpayment of any premium unless such action is commenced within two years from the due date of such premium.
2023 Massachusetts General Laws › Part I - Administration of the Government › Title XXII - Corporations › Chapter 175 - Insurance › Section 110d - Continuation of Coverage After Insured Leaves Group Covered by General or Blanket Policy

Section 110D. Every policy of insurance issued after January first, nineteen hundred and sixty-eight under the provisions of section one hundred and ten shall contain a provision that, in the event that the insured person leaves the group covered by such insurance, said person shall remain insured under such policy for a period of thirty-one days thereafter unless, during such period, he shall otherwise be entitled to similar benefits. The provisions of this paragraph shall apply to any policy issued or renewed within or without the commonwealth and which covers residents of the commonwealth.
In addition, every such policy of insurance which is issued or subsequently renewed by agreement between the insurer and the policyholder, within or without the commonwealth, during the period this provision is effective, shall include coverage such that, in the event that the insured person leaves the group covered by such insurance because his employment is terminated due to a plant closing or covered partial closing as those terms are defined in section seventy-one A of chapter one hundred and fifty-one A, said person shall remain insured under such policy for a period of ninety days thereafter unless, during such period, he shall otherwise be entitled to similar benefits.
2023 Massachusetts General Laws › Part I - Administration of the Government › Title XXII - Corporations › Chapter 175 - Insurance › Section 110h - Cancellation of Policy of Accident and Health Upon Insured Reaching Age 65; Notice to Insured

Section 110H. Every company which issues a policy of insurance under the provisions of section one hundred and eight which is cancellable when the insured reaches age sixty-five shall, sixty days prior to the date of intended cancellation, notify the insured that such policy will be cancelled and the date thereof. If such company fails to so notify the insured, such policy shall remain in effect until such notification or until ninety days after the insured reaches age sixty-five, whichever shall first occur.
2023 Massachusetts General Laws › Part I - Administration of the Government › Title XXII - Corporations › Chapter 175 - Insurance › Section 110j - Group Policies Issued to Trustees of Fund Appointed by Council on Aging

Section 110J. Nothing in section one hundred and eight, one hundred and ten, one hundred and thirty-three or one hundred and thirty-four shall be construed to apply to or affect or prohibit the issue of (i) any general or blanket or group policy of accident and health insurance, or (ii) any group policy of life insurance, or (iii) any policy of group life and accident and health insurance, to the trustee or trustees of a fund then existing or a fund to be established where the trustee or trustees of such fund are appointed by a council on aging authorized by section eight B of chapter forty. The policy shall specify the persons who are eligible for insurance and the conditions applicable to such insurance. The premiums for the policy shall be entirely paid for by the persons insured under the policy. Any return of premium or other monies by the insurance company to the trustee or trustees shall be applied or used by the trustee or trustees as specified in the trust instrument.
Said council shall be a duly licensed private nonprofit organization under the laws of the commonwealth in order to be eligible under this section. The council and its trustees shall be responsible for the negotiation, implementation, administration and all obligations and liabilities arising out of the contract; provided, however, that said contract shall be subject to the review and approval of the commissioner of insurance.
2023 Massachusetts General Laws › Part I - Administration of the Government › Title XXII - Corporations › Chapter 175 - Insurance › Section 110k - Alternative Dental Coverage Option

Section 110K. Each employer or other organization which employs or has twenty-five or more employees or members during the full preceding calendar year and which contributes to a health insurance contract providing comprehensive dental benefits, which restricts the covered persons in selecting the providers of dental services to a single provider or limited number of providers but not including a comprehensive dental benefits plan established by a non-profit medical services corporation under chapter one hundred and seventy-six B and available from any participating dentist, shall also offer its employees and their eligible dependents and members and members' eligible dependents at the time such a dental benefits plan is offered or renewed, the option of selecting alternative coverage which permits covered persons to obtain dental services from any licensed dentist.
No employer or other organization shall be required to pay for or contribute towards the provisions of alternative coverage an amount greater than the premium or cost which it pays or contributes to the health insurance contract which limits the number of providers of dental services.
Notwithstanding the provisions of this section, if any of the employees of an employer required by paragraph one to offer employees the option of selecting such alternative dental coverage as described in said paragraph are represented by a certified collective bargaining representative, the offer of the option of selecting such alternative coverage as required by said paragraph one shall first be made to such collective bargaining representative. Said representative shall have the right not to accept such offer, thereby exempting the employer from the provisions of this section. If such offer is accepted by such representative, the offer of the option of selecting such alternative coverage shall then be made to each employee. Notwithstanding the provisions of this section, a union management trust created pursuant to collective bargaining shall, whenever a restricted dental benefits plan as described in paragraph one is proposed, consider offering such alternative dental coverage as described in said paragraph one, provided, however, said trust may offer the dental plan or plans of its choice.
The commissioner shall promulgate such rules and regulations as are necessary to effectuate the purpose of this section, including procedures for notice to covered persons, employers and other organizations of the provisions of this section.
2023 Massachusetts General Laws › Part I - Administration of the Government › Title XXII - Corporations › Chapter 175 - Insurance › Section 110m - Statements Provided to Individuals Provided With Creditable Coverage; Reports

Section 110M. Pursuant to section 8B of chapter 62C, carriers shall provide written statements to residents of the commonwealth for whom creditable coverage is provided and shall provide a separate report verifying those statements to the commissioner of revenue.
2023 Massachusetts General Laws › Part I - Administration of the Government › Title XXII - Corporations › Chapter 175 - Insurance › Section 111b - Liability Insurance; Combination Policies; Issuance by Mutual Companies; Notice of Reduced or Eliminated Coverages

Section 111B. Policies issued by mutual companies under section one hundred and eleven A and persons insured under such policies and dividends and assessments thereunder shall be subject to the provisions of the second, third, fourth and fifth paragraphs of section one hundred and two B and, except as otherwise provided in said paragraphs, sections seventy-six, eighty so far as applicable, eighty-one and ninety-eight, the last paragraph of section ninety-three and so much of section eighty-three as is not inconsistent with said last paragraph of section ninety-three, relative to policies issued by mutual fire companies, persons insured under such policies and dividends and assessments thereunder. Nothing in this section shall be construed as affecting, except as provided herein, any provision of law relative to the rights, powers, duties and liabilities of mutual liability companies and persons insured thereby.
In the event a company or filing or rating organization eliminates or reduces certain coverages, conditions, or definitions in such policies issued under this section, the company must attach to each of such policy a printed notice setting forth what coverages, conditions or definitions have been eliminated or reduced. If explanations of such reduced or eliminated coverages are not contained in such a printed notice attached to such policy, then such coverages, conditions or definitions shall remain in full force and effect without such reductions and eliminations.
2023 Massachusetts General Laws › Part I - Administration of the Government › Title XXII - Corporations › Chapter 175 - Insurance › Section 111c - Medical Pay Provisions

Section 111C. A policy of insurance issued under subdivision (b) of clause Sixth of section forty-seven insuring any person against legal liability for loss or damage on account of the injury or death of any other person may also insure, or an endorsement or rider may be attached thereto to insure, irrespective of any such legal liability, any person, including the named insured under the policy, in respect to (1) the reasonable expense of medical, surgical, x-ray, dental (including prosthetic devices), ambulance, hospital, professional nursing and funeral expenses and (2), in the case of a motor vehicle liability policy as defined in section thirty-four A of chapter ninety, disability benefits on account of injury and death benefits to dependents, beneficiaries or personal representatives on account of death resulting from the ownership, maintenance or use of motor vehicles. The provisions of sections one hundred and eight shall not apply to any such policy or any endorsement or rider providing for any or all of the benefits permitted by this section.
2023 Massachusetts General Laws › Part I - Administration of the Government › Title XXII - Corporations › Chapter 175 - Insurance › Section 111d - Uninsured Vehicle Endorsement

Section 111D. A policy of motor vehicle liability insurance issued under subdivision (b) of clause Sixth of section forty-seven, or an endorsement or rider attached thereto, may provide for the payment of all sums which the insured or his legal representative shall be legally entitled to recover as damages from the owner or operator of an uninsured motor vehicle because of bodily injury, sickness or disease, including death resulting therefrom, sustained by the insured, caused by accident and arising out of the ownership, maintenance or use of such uninsured motor vehicle. Such policy or endorsement or rider shall provide that determination as to whether the insured or his legal representative is legally entitled to recover such damages, and if so the amount thereof, shall be made by agreement between the insured or such representative and the insurer or, if they fail to agree, by arbitration. The provisions of section one hundred and eight shall not apply to any such policy or endorsement or rider providing for the payment of the sums permitted by this section.
2023 Massachusetts General Laws › Part I - Administration of the Government › Title XXII - Corporations › Chapter 175 - Insurance › Section 111e - Professional Liability Policies

Section 111E. With the prior written approval of the commissioner of insurance, a group liability insurance policy may be issued by a company affording professional liability coverage for bodily injury and property damage including wanton and reckless assault and battery, but excluding wilful or intentional assault and battery; provided, such policy insures the members of an association formed under the authority of chapter one hundred and eighty consisting of at least five hundred members of whom not less than seventy-five per cent are insured thereunder.
2023 Massachusetts General Laws › Part I - Administration of the Government › Title XXII - Corporations › Chapter 175 - Insurance › Section 111f - Medical Reports; Furnishing Copy to Injured Person or Attorney

Section 111F. Any company issuing or executing a liability policy, which requests and makes a medical examination of a person injured in an accident, shall, upon request of the injured party or his attorney, furnish said party or attorney with copies of reports of all medical examinations made by said insurer; provided that such injured party shall, upon request of said insurer, furnish it with copies of reports of all medical examinations and treatment made by his attending physician or physicians.
2023 Massachusetts General Laws › Part I - Administration of the Government › Title XXII - Corporations › Chapter 175 - Insurance › Section 111g - Extent of Family Coverage; Stated Deductible Amount

Section 111G. A policy of insurance issued under subdivision (b) of clause sixth of section forty-seven, insuring a person against loss in excess of the amount of any underlying liability insurance may also include his spouse and unmarried dependent children under twenty-three years of age in respect to medical expense which is greater than a stated deductible amount. As used in this section ''a stated deductible amount'' shall be the greater of (1) the minimum deductibles shown in the declarations in the policy or (2) the amount of benefits provided for eligible expenses under other medical expense coverage.
2023 Massachusetts General Laws › Part I - Administration of the Government › Title XXII - Corporations › Chapter 175 - Insurance › Section 112 - Payment of Losses; Regulations

Section 112. The liability of any company under a motor vehicle liability policy, as defined in section thirty-four A of chapter ninety, or under any other policy insuring against liability for loss or damage on account of bodily injury or death, or for loss or damage resulting therefrom, or on account of damage to property, shall become absolute whenever the loss or damage for which the insured is responsible occurs, and the satisfaction by the insured of a final judgment for such loss or damage shall not be a condition precedent to the right or duty of the company to make payment on account of said loss or damage. No such contract of insurance shall be cancelled or annulled by any agreement between the company and the insured after the said insured has become responsible for such loss or damage, and any such cancellation or annulment shall be void. An insurance company shall not deny insurance coverage to an insured because of failure of an insured to seasonably notify an insurance company of an occurrence, incident, claim or of a suit founded upon an occurrence, incident or claim, which may give rise to liability insured against unless the insurance company has been prejudiced thereby.
2023 Massachusetts General Laws › Part I - Administration of the Government › Title XXII - Corporations › Chapter 175 - Insurance › Section 112a - Liquor Liability Insurance; Coverage

Section 112A. Liquor legal liability insurance shall provide insurance coverage against the legal liability of the insured and against loss, damage or expense incident to a claim arising out of death or injury to any person as a result of negligence in the distribution, sale, or serving of alcohol by a licensee or an employee, or agent thereof, or any other person or entity to whom a policy of liquor legal liability insurance has been issued.
2023 Massachusetts General Laws › Part I - Administration of the Government › Title XXII - Corporations › Chapter 175 - Insurance › Section 112b - Cancellation of Liquor Liability Insurance by Insurer; Notice to Insured and to Licensing Authorities

Section 112B. Effective 60 days after the inception of a liquor liability insurance contract, no notice of intention to terminate the contract or, if the contract is a renewal, no notice of intention not to renew the contract shall be effective unless the insurer at least 60 days prior to the effective date of cancellation or the end of the contract period, as the case may be, mails or delivers to the insured, and to the licensing authorities or the alcoholic beverages control commission pursuant to section 64A or 67 of chapter 138, at the address shown on the policy such notice of intention not to renew, except where cancellation is for nonpayment of premium, or where the insured has lost his license. If cancellation is for nonpayment of premium pertaining to contracts required pursuant to section 64A, 64B or 67 of said chapter 138, the insurer shall not cancel such liquor liability insurance except upon 30 days prior written notice to the licensee and the local licensing authorities.
2023 Massachusetts General Laws › Part I - Administration of the Government › Title XXII - Corporations › Chapter 175 - Insurance › Section 112c - Disclosure of Coverage Limits to Claimants; Penalty

Section 112C. Any insurer doing business in the commonwealth shall reveal to an injured party making claim against an insured, the amount of the limits of said insured's liability coverage, upon receiving a request in writing for such information from the injured party or his attorney. A reply shall be made within thirty days of receiving such request. Any insurer who fails to comply with the provisions of this section shall be liable to pay to the claimant the sum of five hundred dollars plus reasonable attorneys' fees and expenses incurred in obtaining the coverage information provided for herein.
2023 Massachusetts General Laws › Part I - Administration of the Government › Title XXII - Corporations › Chapter 175 - Insurance › Section 113 - Judgment; Satisfaction

Section 113. Upon the recovery of a final judgment against any person by any person, including executors or administrators, for any loss or damage specified in the preceding section, if the judgment debtor was at the accrual of the cause of action insured against liability therefor, the judgment creditor shall be entitled to have the insurance money applied to the satisfaction of the judgment as provided in the ninth clause of section three of chapter two hundred and fourteen.
2023 Massachusetts General Laws › Part I - Administration of the Government › Title XXII - Corporations › Chapter 175 - Insurance › Section 113b1/2 - Increase in Premium of Motor Vehicle Liability Policy Resulting From At-Fault Accident Not Satisfying Criteria for Minor or Major Accident Prohibited

Section 113B1/2. For an at-fault accident claim, a minor accident shall be an accident for which the claim payment, exclusive of any deductible, exceeds $1,000 but is not more than $5,000 under: (i) property damage liability coverage; (ii) collision coverage; (iii) limited collision coverage; (iv) for accidents occurring on or after January 1, 2006, bodily injury liability coverage if there is neither a surchargeable property damage liability coverage claim nor a surchargeable collision coverage claim; or (v) as a result of an accident with a bodily injury liability coverage claim. For an at-fault accident claim, a major accident shall be an accident for which the claim payment, exclusive of any deductible, exceeds $5,000 under: (A) property damage liability coverage; (B) collision coverage; (C) limited collision coverage; (D) for accidents occurring on or after January 1, 2006, bodily injury liability coverage if there is neither a surchargeable property damage liability coverage claim nor a surchargeable collision coverage claim; or (E) as a result of an accident with a bodily injury liability coverage claim. No motor vehicle liability policy, as defined by section 34A of chapter 90, shall apply an increase in premium as a result of an at-fault accident that does not satisfy the criteria for a minor or major accident. For purposes of this section, ''premium'' shall mean the cost of a policy, or coverage within a policy, to an individual policyholder based on the particular drivers and motor vehicles insured under the policy.
2023 Massachusetts General Laws › Part I - Administration of the Government › Title XXII - Corporations › Chapter 175 - Insurance › Section 113c - Notice to Registrar of Companies Authorized to Issue Motor Vehicle Liability Policies or to Act as Surety Upon Motor Vehicle Liability Bonds; Mandatory Offer of Additional Coverage; Limits

Section 113C. The commissioner shall forthwith notify the registrar of motor vehicles of the names of all companies as they become or cease to be authorized to issue motor vehicle liability policies or to act as surety upon motor vehicle liability bonds, both as defined in section thirty-four A of chapter ninety.
Except for coverages which insurers may refuse to offer under the provisions of paragraph (A) of section one hundred and thirteen H, no company shall issue such motor vehicle liability policies or act as surety upon such motor vehicle liability bonds unless it makes a mandatory offer to issue to any person purchasing such policy or bond, at his option, additional coverage, beyond that required by section thirty-four A of chapter ninety, of at least fifteen thousand dollars on account of injury to or death of one person and at least forty thousand dollars on account of any one accident resulting in injury to or death of more than one person, and of the combination of bodily injury liability off the ways of the commonwealth and liability for guest occupants on and off the ways of the commonwealth, of medical coverage, so-called, to a limit of at least five thousand dollars, or fire and theft coverage and comprehensive coverage as limited by section one hundred and thirteen O, and of uninsured motor vehicle coverage, additional coverage beyond that required by section one hundred and thirteen L of at least fifteen thousand dollars on account of injury to or death of one person and forty thousand dollars on account of any one accident resulting in injury to or death of more than one person, provided that such additional amount of uninsured motor vehicle coverage chosen shall not exceed the amount of additional bodily injury coverage chosen under this section.
2023 Massachusetts General Laws › Part I - Administration of the Government › Title XXII - Corporations › Chapter 175 - Insurance › Section 113e - Deposit Premiums

Section 113E. Nothing in this chapter shall be construed to prohibit an insurance company, its agent or any broker, from requiring a deposit premium before issuance of a policy or execution of a bond, providing the per vehicle deposit does not exceed thirty per cent of the annual premium or the full short term premium for the insurance requested, whichever is less, unless the applicant has been in default in the payment of any premium for automobile insurance during the preceding twenty-four months.
2023 Massachusetts General Laws › Part I - Administration of the Government › Title XXII - Corporations › Chapter 175 - Insurance › Section 113g - Officers, Directors and Employees of Company Issuing or Executing Motor Vehicle Liability Policies or Bonds; Financial Interest in Companies or Agencies; Restrictions

Section 113G. No officer, director or employee of a domestic company formed under section forty-eight A after November first, nineteen hundred and thirty-nine which obtains a certificate under section thirty-two and commences to issue motor vehicle liability policies, as defined in section thirty-four A of chapter ninety, or to execute motor vehicle liability bonds, as defined in said section thirty-four A, shall be or act as insurance agent of such company, or be an officer, director, stockholder or employee of, or be directly or indirectly financially interested in, or directly or indirectly receive any financial benefit from, any insurance agency of such company or any concern, except a bank or trust company under the supervision of the commissioner of banks or a national banking association, whose business includes the financing of payment of premiums on such policies or bonds issued or executed by such company; provided, that nothing herein shall prohibit an insurance agent of any such company from financing the payment of premiums on any such policy or bond issued or executed by such company, or prevent any such company from carrying on the business authorized by section one hundred and ninety-three B or prohibit any officer, director or employee of such company from participating in the carrying on of such business by such company in accordance with said section.
2023 Massachusetts General Laws › Part I - Administration of the Government › Title XXII - Corporations › Chapter 175 - Insurance › Section 113i - Freedom of Contract Between Insurers and Agents or Brokers; Manner of Issuing Policies

Section 113I. Nothing in this chapter shall be construed to abridge or restrict the freedom of contract between insurers and agents or brokers nor to require an insurer to issue policies in any way other than through its ordinary and usual method of marketing except that insurers shall, pursuant to the plan approved under section one hundred and thirteen H, be required to recognize and to permit immediate certification of insurance by and to pay a fair and reasonable commission to any licensed broker or agent designated as the producers of record by applicants for insurance or renewal thereof. Nothing in this chapter shall be construed to restrict the application of section one hundred and sixty-three.
2023 Massachusetts General Laws › Part I - Administration of the Government › Title XXII - Corporations › Chapter 175 - Insurance › Section 113j - Furnishing of Reports of Medical Examinations of Person Injured in Motor Vehicle Accident

Section 113J. Any company issuing or executing a motor vehicle liability policy or bond, both as defined in section thirty-four A of chapter ninety, which requests and makes a medical examination of a person injured in an accident involving a motor vehicle, shall, upon request of the injured party or his attorney, furnish said party or attorney with copies of reports of all medical examinations made by said insurer; provided, that such injured party shall, upon request of said insurer, furnish it with copies of reports of all medical examinations and treatment made by his attending physician or physicians.
2023 Massachusetts General Laws › Part I - Administration of the Government › Title XXII - Corporations › Chapter 175 - Insurance › Section 113k - Minors; Contracts for Motor Vehicle Liability Insurance

Section 113K. Any minor sixteen years of age or over shall be deemed competent to contract for a motor vehicle liability policy or bond, both as defined in section thirty-four A of chapter ninety, or for a policy of motor vehicle liability insurance issued pursuant to the requirements of section one hundred and thirteen H, to the same extent and to the same effect as though he had attained his full age.
2023 Massachusetts General Laws › Part I - Administration of the Government › Title XXII - Corporations › Chapter 175 - Insurance › Section 113r - Interest on Refunds of Overpayments or Overdue Payments of Motor Vehicle Liability Insurance Premiums

Section 113R. Every insurer offering motor vehicle liability insurance and related coverages shall pay interest on refunds of overpayments to those insured paying premiums in full based on an estimated premium. Such interest shall include interest in the amount charged policyholders for overdue payments.
2023 Massachusetts General Laws › Part I - Administration of the Government › Title XXII - Corporations › Chapter 175 - Insurance › Section 113t - Repair Shop Coverage

Section 113T. Notwithstanding the provisions of section eight G of chapter twenty-six, a motor vehicle liability policy may, upon approval by the commissioner and by endorsement prescribed by the commissioner, include coverage, at the insured's option, pursuant to which the insurer will repair damage to insured motor vehicles, in accordance with collision or limited collision coverage provided under section thirty-four O of chapter ninety or comprehensive coverage provided under sections one hundred and thirteen C and one hundred and thirteen O of this chapter, at participating repair shops. One or more registered automobile damage repair shops may contract with an insurer or insurers as a participating repair shop to repair damage to insured motor vehicles covered under a participating repair shop endorsement. An insurance company offering a participating repair shop endorsement shall provide an appropriate reduction in the premium charges for such coverages, which shall be subject to approval by the commissioner, and such company shall provide any information in support of its reduction as may be required by the commissioner. The commissioner shall have authority to promulgate such rules and regulations as he deems necessary for the implementation of this section. Such rules and regulations may include, but need not be limited to, procedures for approval of such coverages, and standards to ensure that the endorsement will be offered in a nondiscriminatory manner, that the service will be convenient to insureds, and that the repairs will be of comparable quality to those made by non-participating repair shops. Nothing in this section shall be deemed to compel an insurer to offer participating repair shop coverage.
The commissioner shall file said plan as well as such rules as he deems necessary for implementation of the plan with the clerk of the house of representatives on or before September first, nineteen hundred and eighty-nine. The clerk of the house of representatives, with the approval of the president of the senate and the speaker of the house of representatives, shall refer such regulations to the joint committee on insurance within thirty days of such referral, said committee may hold a public hearing on the regulations and shall issue a report to the commissioner. Said commissioner shall review said report and shall adopt final regulations as deemed appropriate in view of said report and said regulations shall take effect as of the first of January, nineteen hundred and ninety.
2023 Massachusetts General Laws › Part I - Administration of the Government › Title XXII - Corporations › Chapter 175 - Insurance › Section 113u - Antique Motor Car Policies

Section 113U. Insurance companies undertaking to issue motor vehicle liability policies or motor vehicle liability bonds, as defined in section 34A of chapter 90, may issue and deliver policies insuring antique motor cars, as defined in section 1 of said chapter 90. Said antique motor car insurance policies shall be exempt from the provisions of sections 113B and 113H.
2023 Massachusetts General Laws › Part I - Administration of the Government › Title XXII - Corporations › Chapter 175 - Insurance › Section 113w - Hospitality Mutual Insurance Company; Conversion of Liquor Legal Liability Joint Underwriting Association; Authorized Transactions; Board of Directors

Section 113W. (a) As used in this section, the following words shall, unless the context clearly requires otherwise, have the following meanings:
''Association'', the joint underwriting association established under chapter 223 of the acts of 1985.
''Licensee'', any person, firm, corporation or association holding a license for the sale of alcoholic beverages under chapter 138.
''Liquor liability insurance'', insurance coverage protecting the insured against any claims for losses, damages or other expenses arising from death or injury to any person or damage to property as a result of negligence in the distribution, sale or service of alcohol by any licensee.
(b) The association is hereby converted into a mutual insurance company to be known as the hospitality mutual insurance company, which shall succeed and assume all of the assets and liabilities of the association. All rights, interests and properties of the association shall, without any further act or deed, be the property of the hospitality mutual insurance company, which shall be bound by all obligations and liabilities of the association including, without limitation, the rights and obligations of the association under the policies of insurance which it issued. No contracts, claims, suits or other rights of or against the association shall be affected by this conversion.
(c) The hospitality mutual insurance company may transact any kind of liability insurance other than automobile insurance. The hospitality mutual insurance company may transact other lines of insurance for which it may be licensed, as the commissioner may approve, subject to the restrictions of section 48A. Except as provided in this section or in its articles of organization or by-laws, the hospitality mutual insurance company shall have all powers conferred upon a mutual insurance company incorporated in the commonwealth. Nothing in this section shall diminish the commissioner's regulatory authority as set forth in this chapter.
(d) The hospitality mutual insurance company shall make available liquor liability insurance coverage to any licensee.
(e) The hospitality mutual insurance company shall be governed by a board of directors which shall, notwithstanding any general or special law to the contrary, be constituted and selected in the manner set forth in the company's by-laws. Notwithstanding any general or special law to the contrary, the officers of the company may, on behalf of the board, solicit proxies from its members and vote such proxies without limitation on the number of votes so cast.
(f) Notwithstanding any general or special law to the contrary, the hospitality mutual insurance company: (1) shall not be subject to sections 73, 90A, 92, 93A and 93B, insofar as those sections relate to subscriptions for insurance or securing initial applications for insurance; and (2) may issue nonassessable policies.