reglab/statecodes huggingface dataset:
2023 Maine Revised Statutes › TITLE 24-A: MAINE INSURANCE CODE › Chapter 39: CASUALTY INSURANCE CONTRACTS › Subchapter 1: GENERAL PROVISIONS › 24-A §2901. Contracts subject to general provisions

§2901. Contracts subject to general provisions
All contracts of casualty insurance delivered or issued for delivery in this State and covering subjects resident, located, or to be performed in this State are also subject to the applicable provisions of chapter 27 (the insurance contract) and to other applicable provisions of this Title.   [PL 1969, c. 132, §1 (NEW).]
SECTION HISTORY
PL 1969, c. 132, §1 (NEW).
2023 Maine Revised Statutes › TITLE 24-A: MAINE INSURANCE CODE › Chapter 39: CASUALTY INSURANCE CONTRACTS › Subchapter 1: GENERAL PROVISIONS › 24-A §2902-A. Household exclusion (REPEALED)

§2902-A. Household exclusion
(REPEALED)
SECTION HISTORY
PL 1985, c. 136 (NEW). PL 1989, c. 390, §§1,2 (AMD). PL 1991, c. 126, §§1-3 (AMD). PL 1993, c. 69, §1 (RP).
2023 Maine Revised Statutes › TITLE 24-A: MAINE INSURANCE CODE › Chapter 39: CASUALTY INSURANCE CONTRACTS › Subchapter 1: GENERAL PROVISIONS › 24-A §2902-B. Motorcycle passenger exclusion

§2902-B. Motorcycle passenger exclusion
No insurer may sell or renew, on or after January 1, 1986, a liability insurance policy covering a motorcycle, as defined in Title 29‑A, section 101, subsection 38, that excludes coverage for injuries sustained by passengers on the insured's motorcycle unless the insurer notifies the bureau in writing of its utilization of the exclusion, the insurer notifies each of its licensed agents within the State of its utilization of the exclusion and the exclusion is provided by a separate endorsement to the insured's policy. An exclusion that does not meet the requirements of this section is invalid and of no effect.   [PL 1995, c. 65, Pt. A, §69 (AMD); PL 1995, c. 65, Pt. A, §153 (AFF); PL 1995, c. 65, Pt. C, §15 (AFF).]
SECTION HISTORY
PL 1985, c. 737, §A60 (RAL). PL 1995, c. 65, §A69 (AMD). PL 1995, c. 65, §§A153,C15 (AFF).
2023 Maine Revised Statutes › TITLE 24-A: MAINE INSURANCE CODE › Chapter 39: CASUALTY INSURANCE CONTRACTS › Subchapter 1: GENERAL PROVISIONS › 24-A §2902-C. Refusal to issue insurance prohibited

§2902-C. Refusal to issue insurance prohibited
No insurer may refuse to issue motor vehicle liability insurance to an applicant solely because the applicant is 65 years of age or older.   [PL 1991, c. 106 (NEW).]
SECTION HISTORY
PL 1991, c. 106 (NEW).
2023 Maine Revised Statutes › TITLE 24-A: MAINE INSURANCE CODE › Chapter 39: CASUALTY INSURANCE CONTRACTS › Subchapter 1: GENERAL PROVISIONS › 24-A §2902-D. Family exclusions prohibited

§2902-D. Family exclusions prohibited
An insurer may not sell or renew a motor vehicle liability insurance policy on or after January 1, 1994 with a provision that excludes coverage for injury to the insured or any family member of the insured.   [PL 1993, c. 69, §2 (NEW).]
SECTION HISTORY
RR 1993, c. 1, §62 (COR). PL 1993, c. 69, §2 (NEW). PL 1993, c. 93, §1 (NEW).
2023 Maine Revised Statutes › TITLE 24-A: MAINE INSURANCE CODE › Chapter 39: CASUALTY INSURANCE CONTRACTS › Subchapter 1: GENERAL PROVISIONS › 24-A §2902-E. Limitation on surcharge

§2902-E. Limitation on surcharge
An insurer may not impose a surcharge or otherwise increase the rate for a motor vehicle insurance policy solely on the basis that the named insured, a member of the insured's household or a person who customarily operates the insured's vehicle has had an operator's license suspended pursuant to Title 28‑A, sections 2052 and 2053.   [PL 1993, c. 93, §1 (NEW).]
SECTION HISTORY
RR 1993, c. 1, §62 (RNU). PL 1993, c. 93, §1 (NEW).
2023 Maine Revised Statutes › TITLE 24-A: MAINE INSURANCE CODE › Chapter 39: CASUALTY INSURANCE CONTRACTS › Subchapter 1: GENERAL PROVISIONS › 24-A §2902-F. Volunteer drivers

§2902-F. Volunteer drivers
An insurer may not refuse to issue motor vehicle liability insurance to an applicant solely because the applicant is a volunteer driver. An insurer may not impose a surcharge or otherwise increase the rate for a motor vehicle policy solely on the basis that the named insured, a member of the insured's household or a person who customarily operates the insured's vehicle is a volunteer driver. For purposes of this section, "volunteer driver" means a person who provides services, including transporting individuals or goods, without compensation above expenses to a nonprofit agency or charitable organization as defined in Title 14, section 158‑A. This section does not prohibit an insurer from refusing to renew, imposing a surcharge or otherwise raising the rate for a motor vehicle liability insurance policy based upon factors other than the volunteer status of the insured driver.   [PL 1995, c. 132, §1 (NEW).]
SECTION HISTORY
PL 1995, c. 132, §1 (NEW).
2023 Maine Revised Statutes › TITLE 24-A: MAINE INSURANCE CODE › Chapter 39: CASUALTY INSURANCE CONTRACTS › Subchapter 1: GENERAL PROVISIONS › 24-A §2902-G. Discounted premiums for older drivers

§2902-G. Discounted premiums for older drivers
1.  Discount; accident prevention course required.
Any rates, rating schedules or rating manuals for the liability, personal injury protection and collision coverages of a motor vehicle insurance policy submitted to or filed with the bureau must provide for an appropriate discount in premium charges for such coverages for a 3-year period when the principal operator of the covered vehicle is an insured 55 years of age or older who successfully completes a motor vehicle accident prevention course approved by the Department of Public Safety, Bureau of Highway Safety.
[PL 2001, c. 130, §1 (NEW).]
2.  Condition.
The premium reduction required by subsection 1 is effective for a 3-year period after an insured 55 years of age or older successfully completes an approved motor vehicle accident prevention course, except that the insurer may require, as a condition of providing and maintaining the discount, that for a 3-year period after the course is completed:
A. The insured or a member of the insured's household insured under the policy not be involved in an accident for which the insured is at fault;   [PL 2001, c. 130, §1 (NEW).]
B. The insured or a member of the insured's household insured under the policy not have committed a moving violation as defined in Title 29‑A, section 101, subsection 44; or   [PL 2001, c. 130, §1 (NEW).]
C. The insured or a member of the insured's household insured under the policy not be subject to a driver's license suspension.   [PL 2001, c. 130, §1 (NEW).]
[PL 2001, c. 130, §1 (NEW).]
3.  Qualification; certificate.
An organization offering an approved motor vehicle accident prevention course used to qualify for the premium discount required by subsection 1 shall issue a certificate to a person who successfully completes the course.
[PL 2001, c. 130, §1 (NEW).]
4.  Application.
An insured is not eligible for the premium discount under subsection 1 when the insured is required by a court or other government entity to complete the approved motor vehicle accident prevention course because the insured has committed a moving violation as defined in Title 29‑A, section 101, subsection 44.
[PL 2001, c. 130, §1 (NEW).]
5.  Eligibility.
An insured must pass an approved motor vehicle accident prevention course every 3 years to continue to be eligible for the premium discount.
[PL 2001, c. 130, §1 (NEW).]
SECTION HISTORY
PL 2001, c. 130, §1 (NEW).
2023 Maine Revised Statutes › TITLE 24-A: MAINE INSURANCE CODE › Chapter 39: CASUALTY INSURANCE CONTRACTS › Subchapter 1: GENERAL PROVISIONS › 24-A §2903. Liability absolute when loss occurs

§2903. Liability absolute when loss occurs
The liability of every insurer which insures any person against accidental loss or damage on account of personal injury or death or on account of accidental damage to property shall become absolute whenever such loss or damage, for which the insured is responsible, occurs. The rendition of a final judgment against the insured for such loss or damage shall not be a condition precedent to the right or obligation of the insurer to make payment on account of such loss or damage.   [PL 1969, c. 132, §1 (NEW).]
SECTION HISTORY
PL 1969, c. 132, §1 (NEW).
2023 Maine Revised Statutes › TITLE 24-A: MAINE INSURANCE CODE › Chapter 39: CASUALTY INSURANCE CONTRACTS › Subchapter 1: GENERAL PROVISIONS › 24-A §2904. Judgment creditor may have insurance; exceptions

§2904. Judgment creditor may have insurance; exceptions
Whenever any person, including an administrator, executor or guardian, recovers a final judgment against any other person for any loss or damage specified in section 2903, the judgment creditor is entitled to have the insurance money applied to the satisfaction of the judgment by bringing a civil action, in the judgment creditor's own name, against the insurer to reach and apply the insurance money, if when the right of action accrued, the judgment debtor was insured against such liability and if before the recovery of the judgment the insurer had had notice of such accident, injury or damage. The insurer has the right to invoke the defenses described in this section in the proceedings. The provisions of this paragraph and section 2903 do not apply:   [PL 2023, c. 405, Pt. A, §90 (AMD).]
1.  Motor vehicle operated illegally or by one under age.
When the insured automobile, motor vehicle or truck is being operated by any person contrary to law as to age or by any person under the age of 16 years where no statute restricts the age; or
[PL 1969, c. 132, §1 (NEW).]
2.  Motor vehicle used in race contest.
When such automobile, motor vehicle or trust is being used in any race or speed contest; or
[PL 1969, c. 132, §1 (NEW).]
3.  Motor vehicle used for towing a trailer.
When such automobile, motor vehicle or truck is being used for towing or propelling a trailer unless such privilege is indorsed on the policy or such trailer is also insured by the insurer; or
[PL 1969, c. 132, §1 (NEW).]
4.  Liability assumed.
In the case of any liability assumed by the insured for others; or
[PL 1969, c. 132, §1 (NEW).]
5.  Liability under workers' compensation.
In the case of any liability under any workers' compensation agreement, plan or law; or
[PL 1989, c. 502, Pt. A, §98 (AMD).]
6.  Fraud or collusion.
When there is fraud or collusion between the judgment creditor and the insured.
[PL 1969, c. 132, §1 (NEW).]
No civil action shall be brought against an insurer to reach and apply such insurance money until 20 days shall have elapsed from the time of the rendition of the final judgment against the judgment debtors.   [PL 1969, c. 132, §1 (NEW).]
SECTION HISTORY
PL 1969, c. 132, §1 (NEW). PL 1989, c. 502, §A98 (AMD). RR 2021, c. 1, Pt. B, §254 (COR). PL 2023, c. 405, Pt. A, §90 (AMD).
2023 Maine Revised Statutes › TITLE 24-A: MAINE INSURANCE CODE › Chapter 39: CASUALTY INSURANCE CONTRACTS › Subchapter 1: GENERAL PROVISIONS › 24-A §2905. Cancellation, release of interest insured under, automobile physical damage insurance (REPEALED)

§2905. Cancellation, release of interest insured under, automobile physical damage insurance
(REPEALED)
SECTION HISTORY
PL 1969, c. 132, §1 (NEW). PL 1973, c. 339, §2 (RP).
2023 Maine Revised Statutes › TITLE 24-A: MAINE INSURANCE CODE › Chapter 39: CASUALTY INSURANCE CONTRACTS › Subchapter 1: GENERAL PROVISIONS › 24-A §2906. Automobile insurance, cancellation, nonrenewal and certain changes because of age, prohibited (REPEALED)

§2906. Automobile insurance, cancellation, nonrenewal and certain changes because of age, prohibited
(REPEALED)
SECTION HISTORY
PL 1971, c. 160 (NEW). PL 1971, c. 622, §79 (AMD). PL 1973, c. 339, §2 (RP).
2023 Maine Revised Statutes › TITLE 24-A: MAINE INSURANCE CODE › Chapter 39: CASUALTY INSURANCE CONTRACTS › Subchapter 1: GENERAL PROVISIONS › 24-A §2907. Coverage for sales tax credit

§2907. Coverage for sales tax credit
All contracts of motor vehicle casualty insurance delivered or issued for delivery in this State covering motor vehicles registered in this State shall provide coverage for the value of the sales tax credit that would have been available upon trade thereof at the highest book value at the time of loss or destruction of the insured vehicle.   [PL 1973, c. 219 (NEW).]
SECTION HISTORY
PL 1973, c. 219 (NEW).
2023 Maine Revised Statutes › TITLE 24-A: MAINE INSURANCE CODE › Chapter 39: CASUALTY INSURANCE CONTRACTS › Subchapter 1: GENERAL PROVISIONS › 24-A §2909. Insurance for dealers and transporters

§2909. Insurance for dealers and transporters
1.
As used in this section, "owner" means the owner of a motor vehicle, the owner's agent, employee or independent contractor.
[PL 1989, c. 261, §1 (NEW).]
2.
The superintendent may not approve any policy required pursuant to Title 29‑A, section 1612, unless coverage is provided for both the owner and operator of the motor vehicle.
[PL 1995, c. 65, Pt. A, §70 (AMD); PL 1995, c. 65, Pt. A, §153 (AFF); PL 1995, c. 65, Pt. C, §15 (AFF).]
3.
The owner's policy must provide primary coverage up to the limits specified in Title 29‑A, section 1612. Any other valid and collectible insurance policy available to an operator who is not the owner must provide excess coverage.
[PL 1995, c. 65, Pt. A, §70 (AMD); PL 1995, c. 65, Pt. A, §153 (AFF); PL 1995, c. 65, Pt. C, §15 (AFF).]
SECTION HISTORY
PL 1989, c. 261, §1 (NEW). PL 1995, c. 65, §A70 (AMD). PL 1995, c. 65, §§A153,C15 (AFF).
2023 Maine Revised Statutes › TITLE 24-A: MAINE INSURANCE CODE › Chapter 39: CASUALTY INSURANCE CONTRACTS › Subchapter 1: GENERAL PROVISIONS › 24-A §2910. Loss information to be supplied

§2910. Loss information to be supplied
1.  Request for information.
Every insurer shall provide loss information concerning an insurance policy to its insured within 30 calendar days of the receipt of a written request from the insured or an insurance agent or other authorized representative of the insured. An insurer may not cancel or refuse to renew an insurance policy for the nonpayment of premium during any period within which the insurer fails to provide the loss information requested under this section, unless the insured requests that information fewer than 45 calendar days prior to the expiration date of the insurance policy.
[PL 1989, c. 696, §1 (NEW).]
2.  Transmittal of request.
If an insured requests loss information from an insurance agent or an authorized representative of the insured, the representative or agent shall transmit the request for loss information to the insurer within 4 working days.
[PL 1989, c. 696, §1 (NEW).]
3.  Definitions.
As used in this section, unless the context otherwise indicates, the following terms have the following meanings.
A. "Insurance policy" means the insurance policy relating to the loss information requested pursuant to this section.   [PL 1989, c. 696, §1 (NEW).]
B. "Loss information," except with respect to workers' compensation insurance, means the following items: the name of the insured, the date of the loss, the date that the claim was received by the insurer, a description of the loss, any amount paid by the insurer on account of the loss, any amount reserved for the loss and whether the claim is open or closed.   [PL 1989, c. 696, §1 (NEW).]
C. "Loss information," with respect to workers' compensation insurance, means the following items: the name of the claimant, the date of the injury, a description of the injury, any amount paid for medical expense, any amount paid for indemnity expense, any medical reserve, the total incurred losses and whether the claim is open or closed.   [PL 1989, c. 696, §1 (NEW).]
[PL 1989, c. 696, §1 (NEW).]
SECTION HISTORY
PL 1989, c. 696, §1 (NEW).
2023 Maine Revised Statutes › TITLE 24-A: MAINE INSURANCE CODE › Chapter 39: CASUALTY INSURANCE CONTRACTS › Subchapter 1: GENERAL PROVISIONS › 24-A §2910-B. Assessment of value of motor vehicle

§2910-B. Assessment of value of motor vehicle
If an insurer uses the value of a comparable motor vehicle to assess the value of a damaged motor vehicle, the comparable motor vehicle used by the insurer must be in Maine, New Hampshire, Vermont, Massachusetts, Connecticut, Rhode Island or New York and the value of that comparable motor vehicle must be its value in Maine, New Hampshire, Vermont, Massachusetts, Connecticut, Rhode Island or New York to the extent comparable vehicles are available in these states. An insurer may use a comparable motor vehicle in a state not specified in this section only after determining that comparable motor vehicles are not available in the states specified in this section.   [PL 2021, c. 283, §1 (NEW).]
SECTION HISTORY
PL 2021, c. 283, §1 (NEW).
2023 Maine Revised Statutes › TITLE 24-A: MAINE INSURANCE CODE › Chapter 39: CASUALTY INSURANCE CONTRACTS › Subchapter 2: AUTOMOBILE INSURANCE CANCELLATION CONTROL ACT › 24-A §2911. Title

§2911. Title
This subchapter shall be known as the "Maine Automobile Insurance Cancellation Control Act." Unless otherwise specified, all hearings held under this subchapter shall conform to the procedures set forth in the Maine Administrative Procedure Act, Title 5, chapter 375, subchapter IV.   [PL 1977, c. 694, §425 (AMD).]
SECTION HISTORY
PL 1973, c. 339, §1 (NEW). PL 1973, c. 439 (NEW). PL 1973, c. 625, §145 (RP). PL 1977, c. 694, §425 (AMD).
2023 Maine Revised Statutes › TITLE 24-A: MAINE INSURANCE CODE › Chapter 39: CASUALTY INSURANCE CONTRACTS › Subchapter 2: AUTOMOBILE INSURANCE CANCELLATION CONTROL ACT › 24-A §2912. Definitions

§2912. Definitions
As used in this subchapter, unless otherwise required by the context, the following words shall have the following meanings.   [PL 1973, c. 339, §1 (NEW).]
1.  Policy.
"Policy" means an automobile insurance policy providing bodily injury liability, property damage liability, medical payments, uninsured motorist coverage, physical damage coverage, or any combination thereof, delivered or issued for delivery in this State, insuring a single individual or one or more related individuals resident in the same household, as named insured and insuring vehicles of the following types only:
A. Motor vehicles of the private passenger or station wagon type that are not used as public conveyances nor rented to others; and   [PL 2007, c. 188, Pt. C, §3 (AMD).]
B. Any other 4-wheel motor vehicles with a load capacity of 1,500 pounds or less that are not used in the business or professions of the insured.   [PL 2007, c. 188, Pt. C, §3 (AMD).]
[PL 2007, c. 188, Pt. C, §3 (AMD).]
2.  Renewal or renew.
"Renewal" or "to renew" means the issuance and delivery by an insurer of a policy replacing at the end of the previous policy term a policy previously issued and delivered by the same insurer, or the issuance and delivery of a certificate or notice extending the coverage of the policy beyond its original term. For purposes of this subchapter, the transfer of a policy from an insurer to an affiliate is considered a policy renewal.
Any policy written for a term longer than one year or with no fixed expiration date is considered written for successive policy terms of one year for the purposes of this subchapter.
[PL 2007, c. 188, Pt. C, §4 (AMD).]
3.  Nonpayment of premium.
"Nonpayment of premium" means failure of the named insured to discharge when due any of the named insured's obligations in connection with the payment of premium on the policy, or any installment of a premium, whether the premium is payable directly to the insurer or its agent or indirectly under any premium finance plan or extension of credit.
[RR 2015, c. 1, §28 (COR).]
SECTION HISTORY
PL 1973, c. 339, §1 (NEW). PL 1973, c. 439 (NEW). PL 1973, c. 625, §145 (RP). PL 1977, c. 403, §1 (AMD). PL 2005, c. 114, §1 (AMD). PL 2007, c. 188, Pt. C, §§3, 4 (AMD). RR 2015, c. 1, §28 (COR).
2023 Maine Revised Statutes › TITLE 24-A: MAINE INSURANCE CODE › Chapter 39: CASUALTY INSURANCE CONTRACTS › Subchapter 2: AUTOMOBILE INSURANCE CANCELLATION CONTROL ACT › 24-A §2913. When not applicable

§2913. When not applicable
This subchapter shall not apply to any policy:   [PL 1973, c. 339, §1 (NEW).]
1.
Insured under an automobile assigned risk plan;
[PL 1973, c. 339, §1 (NEW).]
2.
Covering garage, automobile sales agency, repair shop, service station or public parking place operation hazards;
[PL 1973, c. 339, §1 (NEW).]
3.
Insuring more than 4 automobiles;
[PL 1973, c. 339, §1 (NEW).]
4.
Issued principally to cover personal or premises liability of an insured even though such insurance may also provide some incidental coverage for liability arising out of the ownership, maintenance or use of a motor vehicle on the premises of such insured or on the ways immediately adjoining the premises.
[PL 1973, c. 339, §1 (NEW).]
SECTION HISTORY
PL 1973, c. 339, §1 (NEW). PL 1973, c. 439 (NEW). PL 1973, c. 625, §145 (RP).
2023 Maine Revised Statutes › TITLE 24-A: MAINE INSURANCE CODE › Chapter 39: CASUALTY INSURANCE CONTRACTS › Subchapter 2: AUTOMOBILE INSURANCE CANCELLATION CONTROL ACT › 24-A §2914. Notice of cancellation -- reasons

§2914. Notice of cancellation -- reasons
No policy may be cancelled except by notice to the insured and any other person mentioned in the loss payable clause of an automobile physical damage policy, as provided in this subchapter.   [PL 1973, c. 339, §1 (NEW).]
No notice of cancellation of a policy shall be effective unless it is based on one or more of the following reasons:   [PL 1973, c. 339, §1 (NEW).]
1.  Nonpayment of premium.
No notice of cancellation for nonpayment of premium shall be effective unless deemed received under section 2915 after the premium due date;
[PL 1979, c. 347, §1 (AMD).]
2.
Fraud or material misrepresentation affecting the policy or the presentation of a claim;
[PL 1973, c. 339, §1 (NEW).]
3.
Violation of terms or conditions of the policy;
[PL 1973, c. 339, §1 (NEW).]
4.
The named insured or any operator who either resides in the same household or customarily operates an automobile insured under the policy has a driver's license suspended, other than a first or 2nd suspension under Title 29‑A, section 2471, subsection 2 or section 2472, subsection 2 or a suspension under Title 28‑A, section 2052, or revoked during the policy term or, if the policy is a renewal, during its term or the 180 days immediately preceding its effective date.
[PL 1995, c. 65, Pt. A, §71 (AMD); PL 1995, c. 65, Pt. A, §153 (AFF); PL 1995, c. 65, Pt. C, §15 (AFF).]
During the policy period, an automobile insurance policy may not be modified except by agreement between the insured and the insurer. Modification agreed upon between the insured and the insurer shall not be deemed a cancellation of the coverage or of the policy.   [PL 1977, c. 403, §2 (RPR).]
This section shall not apply to any policy or coverage which has been in effect less than 60 days at the time notice of cancellation is received by the named insured nor shall section 2920 apply to any policy or coverage that has been in effect less than 60 days.   [PL 1979, c. 347, §2 (AMD).]
This section shall not apply to nonrenewal of an automobile insurance policy.   [PL 1977, c. 403, §2 (NEW).]
SECTION HISTORY
PL 1973, c. 339, §1 (NEW). PL 1973, c. 439 (NEW). PL 1973, c. 625, §145 (RP). PL 1977, c. 403, §2 (AMD). PL 1979, c. 347, §§1,2 (AMD). PL 1987, c. 138 (AMD). PL 1993, c. 93, §2 (AMD). PL 1995, c. 65, §A71 (AMD). PL 1995, c. 65, §§A153,C15 (AFF).
2023 Maine Revised Statutes › TITLE 24-A: MAINE INSURANCE CODE › Chapter 39: CASUALTY INSURANCE CONTRACTS › Subchapter 2: AUTOMOBILE INSURANCE CANCELLATION CONTROL ACT › 24-A §2915. Delivery of notice

§2915. Delivery of notice
A notice of cancellation of a policy is not effective unless received by the named insured at least 20 days prior to the effective date of cancellation, or, when the cancellation is for nonpayment of premium, at least 10 days prior to the effective date of cancellation. In the event the policy provides automobile physical damage coverage, like notice of cancellation must also be given to any party mentioned in the loss payable clause. A postal service certificate of mailing to the named insured at the insured's last known address is conclusive proof of receipt on the 5th calendar day after mailing.   [PL 2007, c. 188, Pt. C, §5 (AMD).]
Except for a policy that has been in effect for less than 60 days at the time notice of cancellation is received by the named insured, the reason for cancellation must accompany the notice, together with a notice of the right to apply for a hearing before the superintendent within 30 days, as provided in section 2920.   [PL 2007, c. 188, Pt. C, §5 (AMD).]
SECTION HISTORY
PL 1973, c. 339, §1 (NEW). PL 1973, c. 439 (NEW). PL 1973, c. 585, §12 (AMD). PL 1973, c. 625, §145 (RP). PL 1977, c. 403, §3 (AMD). PL 1979, c. 347, §§3,4 (AMD). PL 1989, c. 172, §4 (AMD). PL 2005, c. 114, §2 (AMD). PL 2007, c. 188, Pt. C, §5 (AMD).
2023 Maine Revised Statutes › TITLE 24-A: MAINE INSURANCE CODE › Chapter 39: CASUALTY INSURANCE CONTRACTS › Subchapter 2: AUTOMOBILE INSURANCE CANCELLATION CONTROL ACT › 24-A §2916. Automobile insurance, cancellation, nonrenewal and certain changes because of age, prohibited

§2916. Automobile insurance, cancellation, nonrenewal and certain changes because of age, prohibited
An insurance company authorized to transact business in this State may not refuse to issue, cancel or refuse to renew, reduce liability limits for or charge a higher premium for a policy for the sole reason that an applicant for coverage, a person to whom such policy has been issued or another insured driver has reached a certain age.   [PL 2017, c. 11, §1 (AMD).]
SECTION HISTORY
PL 1973, c. 339, §1 (NEW). PL 1973, c. 439 (NEW). PL 1973, c. 625, §145 (RP). PL 2017, c. 11, §1 (AMD).
2023 Maine Revised Statutes › TITLE 24-A: MAINE INSURANCE CODE › Chapter 39: CASUALTY INSURANCE CONTRACTS › Subchapter 2: AUTOMOBILE INSURANCE CANCELLATION CONTROL ACT › 24-A §2916-B. Exclusion of covered persons under personal automobile policy

§2916-B. Exclusion of covered persons under personal automobile policy
In order to avoid cancellation or nonrenewal of an automobile insurance policy, and to allow an insurer to provide or to continue to provide coverage without an unreasonable risk, an insurer and the named insured may agree, by an endorsement to the policy signed by the interested parties, to exclude from coverage as operators of the insured vehicle or vehicles any covered person or persons who commit an act or acts for which the policy could be cancelled under section 2914, subsection 4, or for which the insurer could refuse to renew under section 2916‑A, subsections 1 and 2. Every endorsement under this section must contain the following notice in conspicuous print:
"NOTICE TO POLICYHOLDER IF THE PERSON EXCLUDED FROM COVERAGE BY THIS ENDORSEMENT IS UNDER THE AGE OF 18 YEARS, YOU CAN BE HELD LIABLE UNDER STATE LAW FOR THE PERSON'S NEGLIGENCE WHEN THE PERSON OPERATES YOUR VEHICLE WITH YOUR PERMISSION. YOUR POLICY DOES NOT INSURE YOU AGAINST THIS LIABILITY."
[RR 2021, c. 1, Pt. B, §256 (COR).]
SECTION HISTORY
PL 1981, c. 69 (NEW). RR 2021, c. 1, Pt. B, §256 (COR).
2023 Maine Revised Statutes › TITLE 24-A: MAINE INSURANCE CODE › Chapter 39: CASUALTY INSURANCE CONTRACTS › Subchapter 2: AUTOMOBILE INSURANCE CANCELLATION CONTROL ACT › 24-A §2916-C. Discontinuance of a line of business

§2916-C. Discontinuance of a line of business
If an insurer files a plan with the superintendent to discontinue business in a line of insurance subject to this subchapter, the superintendent may authorize the nonrenewal of policies in that line of business if the plan filed by the insurer demonstrates the availability of substantially similar coverage in the admitted market. The nonrenewal of a policyholder pursuant to this section may not be considered by an insurer in future coverage determinations. An insurer may resume transacting business in a line of insurance discontinued pursuant to this section upon written notification to the superintendent.   [PL 2005, c. 49, §1 (AMD).]
SECTION HISTORY
PL 1995, c. 544, §9 (NEW). PL 2005, c. 49, §1 (AMD).
2023 Maine Revised Statutes › TITLE 24-A: MAINE INSURANCE CODE › Chapter 39: CASUALTY INSURANCE CONTRACTS › Subchapter 2: AUTOMOBILE INSURANCE CANCELLATION CONTROL ACT › 24-A §2917. Notice of intent

§2917. Notice of intent
An insurer may not fail to renew a policy except by notice to the insured as provided in this subchapter. A notice of intention not to renew is not effective unless received by the named insured at least 30 days prior to the expiration date of the policy. In the event the policy provides automobile physical damage coverage, like notice of intention not to renew must be given to any party named in the loss payable clause. A post office department certificate of mailing to the named insured at the insured's last known address is conclusive proof of receipt on the 3rd calendar day after mailing.   [PL 2007, c. 188, Pt. C, §7 (AMD).]
The reason or reasons for the intended nonrenewal action must accompany the notice of intent not to renew and the reason or reasons must be explicit. Explanations such as "underwriting reasons," "underwriting experience," "loss record," "driving experience," "credit report" and similar insurance terms are not by themselves acceptable explanations of an insurer's intended nonrenewal of an automobile insurance policy. A notice of a right to apply for a hearing before the superintendent within 30 days as provided in this section must accompany the notice of intent not to renew.   [PL 2007, c. 188, Pt. C, §7 (AMD).]
This section does not apply:   [PL 2007, c. 188, Pt. C, §7 (AMD).]
1.
If the insurer has manifested its willingness to renew;
[PL 1973, c. 339, §1 (NEW).]
2.
If the insured fails to pay any premium due or any advance premium required by the insurer for renewal; or
[PL 2007, c. 188, Pt. C, §7 (AMD).]
3.
If the insurer has transferred a policy to an affiliate. Prior to the date of renewal of a policy that has been transferred by an insurer to an affiliate, the insured must receive notice of any changes to the terms of the policy that are less favorable to the insured.
[PL 2007, c. 188, Pt. C, §7 (NEW).]
SECTION HISTORY
PL 1973, c. 339, §1 (NEW). PL 1973, c. 439 (NEW). PL 1973, c. 585, §12 (AMD). PL 1973, c. 625, §145 (RP). PL 1977, c. 403, §4 (AMD). PL 1977, c. 597 (AMD). PL 1979, c. 347, §§5,6 (AMD). PL 2007, c. 188, Pt. C, §7 (AMD).
2023 Maine Revised Statutes › TITLE 24-A: MAINE INSURANCE CODE › Chapter 39: CASUALTY INSURANCE CONTRACTS › Subchapter 2: AUTOMOBILE INSURANCE CANCELLATION CONTROL ACT › 24-A §2918. Duplicate coverage

§2918. Duplicate coverage
If an insured obtains a 2nd policy which provides equal or more extensive coverage for any vehicle designated in both policies, the first policy's coverage of such vehicle may be terminated by failure to renew as of the effective time and date of the 2nd policy, whether or not the first policy insurer complies with all provisions of section 2917.   [PL 1973, c. 339, §1 (NEW).]
SECTION HISTORY
PL 1973, c. 339, §1 (NEW). PL 1973, c. 439 (NEW). PL 1973, c. 625, §145 (RP).
2023 Maine Revised Statutes › TITLE 24-A: MAINE INSURANCE CODE › Chapter 39: CASUALTY INSURANCE CONTRACTS › Subchapter 2: AUTOMOBILE INSURANCE CANCELLATION CONTROL ACT › 24-A §2919. Renewal not a waiver or estoppel

§2919. Renewal not a waiver or estoppel
Renewal of a policy shall not constitute a waiver or estoppel with respect to grounds for cancellation which existed before the effective date of renewal.   [PL 1973, c. 339, §1 (NEW).]
SECTION HISTORY
PL 1973, c. 339, §1 (NEW). PL 1973, c. 439 (NEW). PL 1973, c. 625, §145 (RP).
2023 Maine Revised Statutes › TITLE 24-A: MAINE INSURANCE CODE › Chapter 39: CASUALTY INSURANCE CONTRACTS › Subchapter 2: AUTOMOBILE INSURANCE CANCELLATION CONTROL ACT › 24-A §2920. Hearing before superintendent

§2920. Hearing before superintendent
Any named insured who has received a statement of reason for cancellation, or of reason for an insurer's intent not to renew a policy, may, within 30 days of the receipt of a statement of reason, request a hearing before the Superintendent of Insurance. The purpose of this hearing shall be limited to establishing the existence of the proof or evidence given by the insurer in its reason for cancellation or intent not to renew. The burden of proof of the reason for cancellation or intent not to renew shall be upon the insurer. The superintendent shall have the authority to order that a policy continue in effect both pending and, if the superintendent finds in favor of the insured, subsequent to a hearing. If the superintendent finds in favor of the insurer at a hearing, the superintendent may order the policy to remain in force for 14 days to allow the insured to obtain other coverage. Acting in conformity with the Maine Administrative Procedure Act, Title 5, chapter 375, subchapter II, the superintendent may adopt rules for carrying out this section.   [PL 1989, c. 172, §5 (AMD).]
SECTION HISTORY
PL 1973, c. 339, §1 (NEW). PL 1973, c. 439 (NEW). PL 1973, c. 585, §12 (AMD). PL 1973, c. 625, §145 (RP). PL 1977, c. 403, §5 (AMD). PL 1977, c. 694, §426 (AMD). PL 1979, c. 336, §2 (AMD). PL 1979, c. 347, §7 (AMD). PL 1989, c. 172, §5 (AMD).
2023 Maine Revised Statutes › TITLE 24-A: MAINE INSURANCE CODE › Chapter 39: CASUALTY INSURANCE CONTRACTS › Subchapter 2: AUTOMOBILE INSURANCE CANCELLATION CONTROL ACT › 24-A §2921. Insured told of alternate coverage

§2921. Insured told of alternate coverage
When automobile bodily injury and property damage liability coverage is cancelled or not renewed, other than for nonpayment of premium, the insurer shall notify the named insured of the named insured's possible eligibility for automobile liability insurance through the Maine Automobile Insurance Plan. Such notice must accompany the notice of cancellation or intent not to renew.   [RR 2021, c. 1, Pt. B, §257 (COR).]
SECTION HISTORY
PL 1973, c. 339, §1 (NEW). RR 2021, c. 1, Pt. B, §257 (COR).
2023 Maine Revised Statutes › TITLE 24-A: MAINE INSURANCE CODE › Chapter 39: CASUALTY INSURANCE CONTRACTS › Subchapter 2: AUTOMOBILE INSURANCE CANCELLATION CONTROL ACT › 24-A §2922. Superintendent's authority to suspend

§2922. Superintendent's authority to suspend
In the event of impairment or serious financial difficulty of an insurer, the superintendent shall have the authority to suspend the provisions of this Act from applying to the policies of the financially distressed insurer.   [PL 1977, c. 403, §6 (NEW).]
SECTION HISTORY
PL 1977, c. 403, §6 (NEW).
2023 Maine Revised Statutes › TITLE 24-A: MAINE INSURANCE CODE › Chapter 39: CASUALTY INSURANCE CONTRACTS › Subchapter 2: AUTOMOBILE INSURANCE CANCELLATION CONTROL ACT › 24-A §2923. Nonliability for certain statements

§2923. Nonliability for certain statements
1.  Notices.
Except as provided in Title 10, chapter 209‑B, no insurer or licensed agent or employee of the insurer may be held liable in any civil action for statements made in a notice of cancellation or intent not to renew under this chapter if:
A. The statements were made in good faith;   [PL 1979, c. 112, §1 (NEW).]
B. The statements are reasonably related to the reason for cancellation or intent not to renew; and   [PL 1979, c. 112, §1 (NEW).]
C. In the case of a notice of cancellation, the reason for cancellation is a reason permitted under section 2914.   [PL 1979, c. 112, §1 (NEW).]
[PL 2013, c. 588, Pt. C, §13 (AMD).]
2.  Hearings.
Except as provided in Title 10, chapter 209‑B, no person may be held liable in any civil action for statements made or information given at a hearing held under this chapter if:
A. The statements were made or the information was given in good faith;   [PL 1979, c. 112, §1 (NEW).]
B. The statements or the information are reasonably related to the reason for cancellation or intent not to renew; and   [PL 1979, c. 112, §1 (NEW).]
C. In the case of a hearing held on a notice of cancellation, the reason for cancellation is a reason permitted under section 2914.   [PL 1979, c. 112, §1 (NEW).]
[PL 2013, c. 588, Pt. C, §13 (AMD).]
SECTION HISTORY
PL 1979, c. 112, §1 (NEW). PL 2013, c. 588, Pt. C, §13 (AMD).
2023 Maine Revised Statutes › TITLE 24-A: MAINE INSURANCE CODE › Chapter 39: CASUALTY INSURANCE CONTRACTS › Subchapter 2: AUTOMOBILE INSURANCE CANCELLATION CONTROL ACT › 24-A §2924. Assigned risk insurance plan

§2924. Assigned risk insurance plan
If no payment for renewal of a policy has been received by the insurer 15 days prior to the expiration date of the policy, the insurer shall notify the insured in accordance with this section. Written notice shall be mailed or delivered to the named insured no less than 10 days prior to the expiration date. The notice shall state that the policy will terminate on the expiration date if the insurer does not receive payment by that date. A post-office department certificate of mailing is proof of mailing.   [PL 1989, c. 354 (NEW).]
SECTION HISTORY
PL 1989, c. 354 (NEW).
2023 Maine Revised Statutes › TITLE 24-A: MAINE INSURANCE CODE › Chapter 40: MASS MARKETING OF CASUALTY AND PROPERTY INSURANCE › 24-A §2931. Purpose

§2931. Purpose
The purpose of this chapter is to prevent abuses in connection with sale of casualty and property insurance in this State pursuant to mass marketing plans, while preserving for consumers the potential benefits of this form of marketing.   [PL 1973, c. 625, §146 (NEW).]
SECTION HISTORY
PL 1973, c. 625, §146 (NEW).
2023 Maine Revised Statutes › TITLE 24-A: MAINE INSURANCE CODE › Chapter 40: MASS MARKETING OF CASUALTY AND PROPERTY INSURANCE › 24-A §2932. Definitions

§2932. Definitions
As used in this chapter, unless the context otherwise indicates, the following words shall have the following meanings.   [PL 1973, c. 625, §146 (NEW).]
1.  Casualty insurance.
"Casualty insurance" means all contracts of insurance covered by section 707.
[PL 1973, c. 625, §146 (NEW).]
2.  Mass marketing plan.
"Mass marketing plan" means a method of selling property and casualty insurance wherein such insurance is offered to employees of particular employers or to members of particular associations or organizations or to persons grouped in other ways and the employer, association or organization has agreed to or otherwise affiliated itself with, or facilitated, the sale of such insurance to its employees or members and employees and includes without limitation such plans whether described as "mass merchandising," "group merchandising," "franchise merchandising" or "collective merchandising."
[PL 1973, c. 625, §146 (NEW).]
3.  Property insurance.
"Property insurance" means all contracts of insurance covered by section 705.
[PL 1973, c. 625, §146 (NEW).]
SECTION HISTORY
PL 1973, c. 625, §146 (NEW).
2023 Maine Revised Statutes › TITLE 24-A: MAINE INSURANCE CODE › Chapter 40: MASS MARKETING OF CASUALTY AND PROPERTY INSURANCE › 24-A §2933. Premium rates

§2933. Premium rates
Premium rates under a mass marketing plan shall comply with all standards set forth in the Maine Insurance Code, including without limitation the requirement that rates shall not be excessive, inadequate or unfairly discriminatory. Rates shall not be deemed to be unfairly discriminatory because different premiums result for policyholders with like loss exposures but different expense factors, or like expense factors but different loss exposures, so long as the rates reflect the difference with reasonable accuracy. Rates shall not be deemed to be unfairly discriminatory if they are averaged broadly among persons insured under a mass marketing plan.   [PL 1973, c. 625, §146 (NEW).]
SECTION HISTORY
PL 1973, c. 625, §146 (NEW).
2023 Maine Revised Statutes › TITLE 24-A: MAINE INSURANCE CODE › Chapter 40: MASS MARKETING OF CASUALTY AND PROPERTY INSURANCE › 24-A §2934. Statistics

§2934. Statistics
An insurer selling insurance pursuant to mass marketing plans shall maintain separate statistics as to loss and expense experience pertinent thereto.   [PL 1973, c. 625, §146 (NEW).]
SECTION HISTORY
PL 1973, c. 625, §146 (NEW).
2023 Maine Revised Statutes › TITLE 24-A: MAINE INSURANCE CODE › Chapter 40: MASS MARKETING OF CASUALTY AND PROPERTY INSURANCE › 24-A §2935. Compulsory participation prohibited

§2935. Compulsory participation prohibited
An insurer may not sell insurance pursuant to a mass marketing plan, if it is a condition of employment or of membership in an association, organization or other group that any employee or member purchase insurance pursuant to such plan, or if any employee or member is subject to any penalty by reason of the employee's or member's nonparticipation.   [RR 2021, c. 1, Pt. B, §258 (COR).]
SECTION HISTORY
PL 1973, c. 625, §146 (NEW). RR 2021, c. 1, Pt. B, §258 (COR).
2023 Maine Revised Statutes › TITLE 24-A: MAINE INSURANCE CODE › Chapter 40: MASS MARKETING OF CASUALTY AND PROPERTY INSURANCE › 24-A §2936. Tie-in sales prohibited

§2936. Tie-in sales prohibited
1.
No insurer shall sell insurance pursuant to a mass marketing plan if:
A. Purchase of insurance available under such plan is contingent upon the purchase of any other insurance product or insurance service, or   [PL 1973, c. 625, §146 (NEW).]
B. The purchase of any other insurance product or insurance service is contingent upon the purchase of insurance available under such plan.   [PL 1973, c. 625, §146 (NEW).]
[PL 1973, c. 625, §146 (NEW).]
2.
This section shall not be deemed to prohibit the reasonable requirement of safety devices, such as heat detectors, lightning rods, theft prevention equipment and the like.
[PL 1973, c. 625, §146 (NEW).]
SECTION HISTORY
PL 1973, c. 625, §146 (NEW).
2023 Maine Revised Statutes › TITLE 24-A: MAINE INSURANCE CODE › Chapter 40: MASS MARKETING OF CASUALTY AND PROPERTY INSURANCE › 24-A §2937. Disclosure required

§2937. Disclosure required
Every insurer, agent or broker selling insurance pursuant to a mass marketing plan shall, prior to sale, make full and fair disclosure to prospective insureds of all features of such plan, whether favorable or unfavorable, including, but not limited to, the stability of the premium rates, benefits, duration of coverage, policyholder services, conversion privileges available, and the financial and interlocking interests in the plan, if any, of the sponsoring employer, association, organization or group.   [PL 1973, c. 625, §146 (NEW).]
SECTION HISTORY
PL 1973, c. 625, §146 (NEW).
2023 Maine Revised Statutes › TITLE 24-A: MAINE INSURANCE CODE › Chapter 40: MASS MARKETING OF CASUALTY AND PROPERTY INSURANCE › 24-A §2937-A. Disclosure of underwriting

§2937-A. Disclosure of underwriting
A person is deemed to be engaged in deceptive advertising if the person makes, publishes or circulates or causes to be made, published or circulated any written statement relating to an underwritten Maine mass marketing plan, if that written statement does not include a conspicuous notice that some members of the group to which the plan is marketed will not be eligible for insurance. A person making the statement is subject to a desist order issued under section 2165 and to any applicable penalty provided by law.   [PL 1989, c. 192, §2 (NEW).]
SECTION HISTORY
PL 1989, c. 192, §2 (NEW).
2023 Maine Revised Statutes › TITLE 24-A: MAINE INSURANCE CODE › Chapter 40: MASS MARKETING OF CASUALTY AND PROPERTY INSURANCE › 24-A §2938. Availability (REPEALED)

§2938. Availability
(REPEALED)
SECTION HISTORY
PL 1973, c. 625, §146 (NEW). PL 1989, c. 192, §3 (RP).
2023 Maine Revised Statutes › TITLE 24-A: MAINE INSURANCE CODE › Chapter 40: MASS MARKETING OF CASUALTY AND PROPERTY INSURANCE › 24-A §2938-A. Availability

§2938-A. Availability
The insurer shall file with the superintendent its underwriting rules pertaining to eligibility for the mass marketing plan. No insurer may use underwriting standards for individual risk selection in a mass marketing plan that are, on the whole, more restrictive than the standards used by that insurer for individual risk selection in the sale of the same kind of insurance in this State other than pursuant to mass marketing plans. If an insurer does not sell that kind of insurance in this State other than pursuant to mass marketing plans, its underwriting standards for individual risk selection in those plans, on the whole, may be no more restrictive than the standards used by its principal affiliate, if any, for individual risk selection in the sale of that kind of insurance in this State other than pursuant to mass marketing plans. With respect to motor vehicle insurance, all policies issued under the mass marketing plans must provide at least the financial responsibility limits of coverage stated in Title 29‑A, section 1605, subsection 1.   [PL 1995, c. 65, Pt. A, §72 (AMD); PL 1995, c. 65, Pt. A, §153 (AFF); PL 1995, c. 65, Pt. C, §15 (AFF).]
If an insurer rejects an applicant for coverage pursuant to a mass marketing plan, the insurer shall provide a notice of rejection to the applicant. Explanations such as "underwriting reasons," "loss record," "location of risk" and similar insurance terms are not by themselves acceptable explanations of an insurer's rejection.   [PL 1989, c. 192, §4 (NEW).]
The insurance shall be offered without discrimination against any eligible member of the plan as to rates, forms or coverages. Nothing in this section shall preclude the establishment of different classes of risk.   [PL 1989, c. 192, §4 (NEW).]
Insurers may not cancel, fail to renew or change the rating classification of insureds who have coverage in force under existing plans as of the effective date of this section for the sole reason that the insured fails to meet underwriting standards which are applicable to persons enrolling in the plans after the effective date of this section.   [PL 1989, c. 192, §4 (NEW).]
SECTION HISTORY
PL 1989, c. 192, §4 (NEW). PL 1995, c. 65, §A72 (AMD). PL 1995, c. 65, §§A153,C15 (AFF).
2023 Maine Revised Statutes › TITLE 24-A: MAINE INSURANCE CODE › Chapter 40: MASS MARKETING OF CASUALTY AND PROPERTY INSURANCE › 24-A §2939. Cancellation and nonrenewal

§2939. Cancellation and nonrenewal
1.
Cancellation and nonrenewal shall be subject to the applicable provisions set forth elsewhere in this Title.
[PL 1973, c. 625, §146 (NEW).]
2.
The failure of an employer, association, organization or other group to remit premiums when due for any reason, including, but not limited to, interruption or termination of employment or membership, may not be regarded as nonpayment of premium by any insured under any such plan providing for remittance of premium by such employer, association, organization or other group, unless such insured has been given written notice of such failure to remit and has not paid such premium by the later of 20 days after such notice, or the due date of such premium remittance under the mass marketing plan or pursuant to regulations set forth by the superintendent.
[RR 2021, c. 1, Pt. B, §259 (COR).]
3.
Upon the termination of employment or membership or upon the discontinuance of the mass marketing plan, such insured member or employee may maintain the insured member's or employee's policy in force, in the same amount, upon payment of the premium applicable to the class of risk to which the insured member or employee belongs, on an individual basis.
[RR 2021, c. 1, Pt. B, §260 (COR).]
4.
Any notice of cancellation or nonrenewal of any policy of any employee or member insured under a mass marketing plan must be accompanied by a notice to the employee or member that, at the employee's or member's request, the insurer will afford the employer, association, organization or other group a reasonable opportunity to consult with the insured and to present facts in opposition to cancellation or nonrenewal.
[RR 2021, c. 1, Pt. B, §261 (COR).]
SECTION HISTORY
PL 1973, c. 585, §12 (AMD). PL 1973, c. 625, §146 (NEW). RR 2021, c. 1, Pt. B, §§259-261 (COR).
2023 Maine Revised Statutes › TITLE 24-A: MAINE INSURANCE CODE › Chapter 40: MASS MARKETING OF CASUALTY AND PROPERTY INSURANCE › 24-A §2940. Applicability

§2940. Applicability
This chapter shall be applicable only to insurance policies issued or renewed in this State after November 1, 1973 and is in addition to, and not in substitution for, other applicable requirements of the Maine Insurance Code and bureau regulations.   [PL 1973, c. 585, §12 (AMD); PL 1973, c. 625, §146 (NEW).]
SECTION HISTORY
PL 1973, c. 585, §12 (AMD). PL 1973, c. 625, §146 (NEW).