reglab/statecodes huggingface dataset:
2023 Minnesota Statutes › Chapters 59A - 79A — Insurance › Chapter 65B — Automobile Insurance › Section 65B.21 — Insured's Right To Object To Cancellation Or Nonrenewal.

65B.21 INSURED'S RIGHT TO OBJECT TO CANCELLATION OR NONRENEWAL.
Subdivision 1.
Form and manner.
Any individual who believes such nonrenewal, cancellation or reduction in the limits of liability of coverage of the individual's policy is arbitrary, capricious or otherwise in violation of this provision, or who believes such notice of nonrenewal and the reason or reasons therefor were not given as provided herein, may, within 30 days after receipt of notice thereof, file in writing an objection to such action with the commissioner.
Subd. 2.
Investigation and determination by commissioner.
Upon receipt of a written objection pursuant to the provisions herein, the commissioner may notify the insurer of receipt of such objection and of the right of the insurer to file a written response thereto within ten days of receipt of such notification. The commissioner may also order an investigation of the objection or complaint, the submission of additional information by the insured or the insurer about the action by the insurer or the objections of the insured, or such other procedure as the commissioner deems appropriate or necessary. Within 23 days of receipt of such written objection by an insured the commissioner shall approve or disapprove the insurer's action and shall notify the insured and insurer of the final decision. Either party may institute proceedings for judicial review of the commissioner's decision; provided, however, that the commissioner's final decision shall be binding pending judicial review.
History:
1967 c 463 s 8; 1969 c 845 s 4; 1971 c 696 s 4; 1973 c 610 s 2; 1986 c 444; 1987 c 337 s 102
2023 Minnesota Statutes › Chapters 59A - 79A — Insurance › Chapter 65B — Automobile Insurance › Section 65B.28 — Accident Prevention Course Premium Reductions.

65B.28 ACCIDENT PREVENTION COURSE PREMIUM REDUCTIONS.
Subdivision 1.
Required reduction.
An insurer must provide an appropriate premium reduction of at least ten percent on its policies of private passenger vehicle insurance, as defined in section 65B.001, subdivision 2, issued, delivered, or renewed in this state, to insureds 55 years old and older who successfully complete an accident prevention course or refresher course established under subdivisions 2 and 3.
Subd. 2.
Accident prevention course; rules.
The commissioner of public safety shall adopt rules establishing and regulating a motor vehicle accident prevention course for persons 55 years old and older. The rules must, at a minimum, include provisions:
(1) establishing curriculum requirements;
(2) establishing the number of hours required for successful completion of the course; and
(3) providing for the issuance of a course completion certification and requiring its submission to an insured as evidence of completion of the course.
Subd. 3.
Refresher course.
The Department of Public Safety, in consultation with other traffic safety and medical professionals, may establish a refresher course for persons who have completed the original course under subdivision 2. The refresher course shall be no more than four hours, and based on the curriculum established under subdivision 2. The Department of Public Safety shall establish criteria for and approve training agencies or organizations authorized to conduct the refresher course.
Subd. 4.
Completion certificate.
A person 55 years old and older may retake the original course or take the refresher course every three years and receive a course completion certificate to remain eligible for the premium reduction in subdivision 1. A person 58 years old and older who successfully completes a retaking of the original course or a refresher course more than three years from the date the person last was eligible for the premium reduction in subdivision 1 is entitled to reinstatement of this eligibility. The Department of Public Safety shall provide criteria for the issuance of the course completion certificates.
History:
1984 c 532 s 1; 1987 c 337 s 103; 1994 c 547 s 1; 1997 c 187 art 3 s 18; 2012 c 141 s 1
2023 Minnesota Statutes › Chapters 59A - 79A — Insurance › Chapter 65B — Automobile Insurance › Section 65B.285 — Antitheft Protection Device Premium Reduction.

65B.285 ANTITHEFT PROTECTION DEVICE PREMIUM REDUCTION.
Subdivision 1.
Definition.
For the purposes of this section the term "authorized antitheft protection device" means a device provided by the manufacturer of a vehicle as original equipment or installed in a vehicle by the manufacturer of the vehicle or an authorized dealer of that manufacturer that does one or more of the following when activated unless the vehicle is entered and started by means of a lock system: (1) sound an alarm; (2) cause the vehicle horn to sound; (3) cause the vehicle lights to flash; or (4) cause the vehicle to be rendered inoperable. The device must be self-activating upon the locking of the passenger doors of the vehicle.
Subd. 2.
Required reduction.
An insurer must provide an appropriate premium reduction of at least five percent on the comprehensive coverage on a policy of private passenger vehicle insurance, as defined in section 65B.001, subdivision 2, issued, delivered, or renewed in this state, to an insured whose vehicle is equipped with an authorized antitheft protection device. The premium reduction required by this subdivision applies to every vehicle of an insured that is equipped with an authorized antitheft protection device.
History:
1995 c 115 s 1
2023 Minnesota Statutes › Chapters 59A - 79A — Insurance › Chapter 65B — Automobile Insurance › Section 65B.286 — Snowmobile Auxiliary Lighting System Discount.

65B.286 SNOWMOBILE AUXILIARY LIGHTING SYSTEM DISCOUNT.
Subdivision 1.
Definition.
For the purposes of this section, the term "auxiliary hazard warning lighting system" means a system installed by the manufacturer of a snowmobile as original equipment or installed in a snowmobile by the manufacturer or an authorized dealer of that manufacturer as an aftermarket system that does the following when activated:
(1) a yellow light emitting diode (L.E.D.) light on the front of the snowmobile that flashes at least once per second and is visible at least one-half mile in front of the snowmobile; and
(2) a red light emitting diode (L.E.D.) light on the rear of the snowmobile that flashes at least once per second and is visible at least one-half mile from behind the snowmobile.
Subd. 2.
Required reduction.
An insurer must provide an appropriate premium reduction of at least five percent on a policy insuring the snowmobile, or on that portion of a policy insuring a snowmobile that is issued, delivered, or renewed in this state, to the insured whose snowmobile is equipped with an authorized auxiliary hazard warning lighting system. The premium reduction required by this subdivision applies to every snowmobile of the insured that is equipped with an auxiliary hazard warning lighting system.
History:
2005 c 132 s 20
2023 Minnesota Statutes › Chapters 59A - 79A — Insurance › Chapter 65B — Automobile Insurance › Section 65B.41 — Citation.

65B.41 CITATION.
Sections 65B.41 to 65B.71 may be cited as the "Minnesota No-Fault Automobile Insurance Act."
History:
1974 c 408 s 1; 1978 c 674 s 57
2023 Minnesota Statutes › Chapters 59A - 79A — Insurance › Chapter 65B — Automobile Insurance › Section 65B.42 — Purpose.

65B.42 PURPOSE.
The detrimental impact of automobile accidents on uncompensated injured persons, upon the orderly and efficient administration of justice in this state, and in various other ways requires that sections 65B.41 to 65B.71 be adopted to effect the following purposes:
(1) to relieve the severe economic distress of uncompensated victims of automobile accidents within this state by requiring automobile insurers to offer and automobile owners to maintain automobile insurance policies or other pledges of indemnity which will provide prompt payment of specified basic economic loss benefits to victims of automobile accidents without regard to whose fault caused the accident;
(2) to prevent the overcompensation of those automobile accident victims suffering minor injuries by restricting the right to recover general damages to cases of serious injury;
(3) to encourage appropriate medical and rehabilitation treatment of the automobile accident victim by assuring prompt payment for such treatment;
(4) to speed the administration of justice, to ease the burden of litigation on the courts of this state, and to create a system of small claims arbitration to decrease the expense of and to simplify litigation, and to create a system of mandatory intercompany arbitration to assure a prompt and proper allocation of the costs of insurance benefits between motor vehicle insurers;
(5) to correct imbalances and abuses in the operation of the automobile accident tort liability system, to provide offsets to avoid duplicate recovery, to require medical examination and disclosure, and to govern the effect of advance payments prior to final settlement of liability.
History:
1974 c 408 s 2; 1978 c 674 s 57
2023 Minnesota Statutes › Chapters 59A - 79A — Insurance › Chapter 65B — Automobile Insurance › Section 65B.46 — Right To Benefits.

65B.46 RIGHT TO BENEFITS.
Subdivision 1.
Motor vehicle or motorcycle accident in this state.
If the accident causing injury occurs in this state, every person suffering loss from injury arising out of maintenance or use of a motor vehicle or as a result of being struck as a pedestrian by a motorcycle has a right to basic economic loss benefits.
Subd. 2.
Motor vehicle or motorcycle accident outside this state.
If the accident causing injury occurs outside this state in the United States, United States possessions, or Canada, the following persons and their surviving dependents suffering loss from injury arising out of maintenance or use of a motor vehicle or as a result of being struck as a pedestrian by a motorcycle have a right to basic economic loss benefits:
(1) insureds, and
(2) the driver and other occupants of a secured vehicle, other than (a) a vehicle which is regularly used in the course of the business of transporting persons or property and which is one of five or more vehicles under common ownership, or (b) a vehicle owned by a government other than this state, its political subdivisions, municipal corporations, or public agencies. The reparation obligor may, if the policy expressly states, extend the basic economic loss benefits to any stated area beyond the limits of the United States, United States possessions and Canada.
Subd. 3.
Limitation; motorcycle injuries.
For the purposes of sections 65B.41 to 65B.71, injuries suffered by a person while on, mounting or alighting from a motorcycle do not arise out of the maintenance or use of a motor vehicle although a motor vehicle is involved in the accident causing the injury.
History:
1974 c 408 s 6; 1978 c 674 s 57; 1980 c 539 s 1; 1987 c 337 s 104
2023 Minnesota Statutes › Chapters 59A - 79A — Insurance › Chapter 65B — Automobile Insurance › Section 65B.482 — Insurance Identification Cards.

65B.482 INSURANCE IDENTIFICATION CARDS.
Subdivision 1.
Issuance of card.
Every obligor transacting business in this state shall provide an insurance identification card for each vehicle covered at the time of initiating each policy of automobile insurance, as defined in section 65B.14, subdivision 2, and at the time of policy renewal. The insurance identification card may be provided in an electronic format if the insured agrees. When an insured has five or more vehicles registered in this state, the obligor may use the designation "all owned vehicles" on each identification card in lieu of a specified description. The card must state:
(1) the insured's name;
(2) the policy number;
(3) the policy dates of coverage;
(4) the make, model, and year of the vehicle being covered;
(5) the vehicle identification number or at least the last three digits of that number; and
(6) the name of the obligor providing coverage.
Subd. 2.
Notice of criminal penalties.
Every obligor transacting business in this state shall provide to the insured at the time of issuing an insurance identification card under subdivision 1 a plain-language summary of the criminal penalties imposed by sections 169.791, 169.793, and 169.797.
History:
1989 c 321 s 1; 1992 c 571 art 14 s 13; 2012 c 185 s 2
2023 Minnesota Statutes › Chapters 59A - 79A — Insurance › Chapter 65B — Automobile Insurance › Section 65B.50 — Insurers' Certification Of Basic Coverage.

65B.50 INSURERS' CERTIFICATION OF BASIC COVERAGE.
Subdivision 1.
Filing.
Every insurer licensed to write motor vehicle accident reparation and liability insurance in this state shall, on or before January 1, 1975, or as a condition to such licensing, file with the commissioner and thereafter maintain a written certification that it will afford at least the minimum security provided by section 65B.49 to all policyholders, except that in the case of nonresident policyholders it need only certify that security is provided with respect to accidents occurring in this state.
Subd. 2.
Contacts of liability insurance as security covering the vehicle.
Notwithstanding any contrary provision in it, every contract of liability insurance for injury, wherever issued, covering obligations arising from ownership, maintenance, or use of a motor vehicle, except a contract which provides coverage only for liability in excess of required minimum tort liability coverages, includes basic economic loss benefit coverages and residual liability coverages required by sections 65B.41 to 65B.71, while the vehicle is in this state, and qualifies as security covering the vehicle.
History:
1974 c 408 s 10; 1978 c 674 s 57
2023 Minnesota Statutes › Chapters 59A - 79A — Insurance › Chapter 65B — Automobile Insurance › Section 65B.525 — Arbitration Procedure; Rules Of Court.

65B.525 ARBITRATION PROCEDURE; RULES OF COURT.
Subdivision 1.
Mandatory submission to binding arbitration.
The supreme court and the several courts of general trial jurisdiction of this state shall by rules of court or other constitutionally allowable device, provide for the mandatory submission to binding arbitration of all cases at issue where the claim at the commencement of arbitration is in an amount of $10,000 or less against any insured's reparation obligor for no-fault benefits or comprehensive or collision damage coverage.
Subd. 2.
Agreement of reference.
The rules of court may provide that cases which are not at issue, whether or not suit has been filed, may be referred to arbitration by agreement of reference signed by counsel for both sides, or by the parties themselves. Such agreement of reference shall define the issues to be arbitrated and, shall also contain any stipulations with respect to facts submitted or agreed or defenses waived. In such cases, the agreement of reference shall take the place of the pleadings in the case and be filed of record.
History:
1975 c 160 s 2; 1978 c 674 s 57; 1985 c 168 s 13; 1987 c 337 s 108; 1989 c 260 s 16; 1989 c 330 s 26; 1991 c 321 s 1; 2014 c 310 s 7
2023 Minnesota Statutes › Chapters 59A - 79A — Insurance › Chapter 65B — Automobile Insurance › Section 65B.55 — Application For Benefits Under Plan Of Security.

65B.55 APPLICATION FOR BENEFITS UNDER PLAN OF SECURITY.
Subdivision 1.
Claim notification.
A plan of reparation security may prescribe a period of not less than six months after the date of accident within which an insured or any other person entitled to claim basic economic loss benefits, or anyone acting on their behalf, must notify the reparation obligor or its agent, of the accident and the possibility of a claim for economic loss benefits. Failure to provide notice will not render a person ineligible to receive benefits unless actual prejudice is shown by the reparation obligor, and then only to the extent of the prejudice. The notice may be given in any reasonable fashion.
Subd. 2.
Disability or treatment lapses.
A plan of reparation security may provide that in any instance where a lapse occurs in the period of disability or in the medical treatment of a person with respect to whose injury basic economic loss benefits have been paid and a person subsequently claims additional benefits based upon an alleged recurrence of the injury for which the original claim for benefits was made, the obligor may require reasonable medical proof of such alleged recurrence; provided, that in no event shall the aggregate benefits payable to any person exceed the maximum limits specified in the plan of security, and provided further that such coverages may contain a provision terminating eligibility for benefits after a prescribed period of lapse of disability and medical treatment, which period shall not be less than one year.
History:
1974 c 408 s 15; 1984 c 592 s 55
2023 Minnesota Statutes › Chapters 59A - 79A — Insurance › Chapter 65B — Automobile Insurance › Section 65B.57 — Economic Loss Benefits; Exemptions From Legal Attachment.

65B.57 ECONOMIC LOSS BENEFITS; EXEMPTIONS FROM LEGAL ATTACHMENT.
(a) All economic loss benefits provided by sections 65B.41 to 65B.71, whether paid or payable to any claimant shall not be subject to garnishment, sequestration, attachment or execution, or any other legal process which would deny their receipt and use by that person.
(b) This section shall not apply to any person who has provided treatment or services, as described in section 65B.44, subdivision 2, to the victim of a motor vehicle accident.
(c) Economic loss benefits paid or payable to any claimant, person, or entity who has provided treatment or services under sections 65B.41 to 65B.71 shall not be subject to any legal interest in the payment, whether by contract, lien, or other legal process before a denial of benefits by a reparations obligor.
History:
1974 c 408 s 17; 1978 c 674 s 57; 2014 c 310 s 8
2023 Minnesota Statutes › Chapters 59A - 79A — Insurance › Chapter 65B — Automobile Insurance › Section 65B.58 — Converted Motor Vehicles.

65B.58 CONVERTED MOTOR VEHICLES.
A person who converts a motor vehicle is disqualified from basic or optional economic loss benefits, including benefits otherwise due as a survivor, from any source other than an insurance contract under which the converter is an insured, for injuries arising from maintenance or use of the converted vehicle. If the converter dies from the injuries, survivors are not entitled to basic or optional economic loss benefits from any source other than an insurance contract under which the converter is a basic economic loss insured. For the purpose of this section, a person is not a converter if that person uses the motor vehicle in the good faith belief that the person is legally entitled to do so.
History:
1974 c 408 s 18; 1986 c 444
2023 Minnesota Statutes › Chapters 59A - 79A — Insurance › Chapter 65B — Automobile Insurance › Section 65B.59 — Races.

65B.59 RACES.
A person who is injured in the course of an official racing contest, other than a rally held in whole or in part on public roads, or in practice or preparation therefor is disqualified from basic or optional economic loss benefits. Survivors are not entitled to basic or optional economic loss benefits for loss arising from the death.
History:
1974 c 408 s 19; 1975 c 18 s 9; 1986 c 444
2023 Minnesota Statutes › Chapters 59A - 79A — Insurance › Chapter 65B — Automobile Insurance › Section 65B.60 — Intentional Injuries.

65B.60 INTENTIONAL INJURIES.
A person intentionally causing or attempting to cause injury to self or another person is disqualified from basic or optional economic loss benefits for injury arising from those acts, including benefits otherwise due the person as a survivor. If a person dies as a result of intentionally causing or attempting to cause injury to self, survivors are not entitled to basic or optional economic loss benefits for loss arising from the death. A person intentionally causes or attempts to cause injury if the person acts or fails to act for the purpose of causing injury or with knowledge that injury is substantially certain to follow. A person does not intentionally cause or attempt to cause injury (1) merely because the act or failure to act is intentional or done with the realization that it creates a grave risk of causing injury or (2) if the act or omission causing the injury is for the purpose of averting bodily harm to the person or another person.
History:
1974 c 408 s 20; 1986 c 444
2023 Minnesota Statutes › Chapters 59A - 79A — Insurance › Chapter 65B — Automobile Insurance › Section 65B.63 — Assigned Claims Plan.

65B.63 ASSIGNED CLAIMS PLAN.
Subdivision 1.
Requirement.
Reparation obligors providing basic economic loss insurance in this state shall organize and maintain, subject to approval and regulation by the commissioner, an assigned claims bureau and an assigned claims plan, and adopt rules for their operation and for the assessment of costs on a fair and equitable basis consistent with sections 65B.41 to 65B.71. The assigned claims bureau shall be managed by a governing committee made up of four individuals selected by the insurer members, one individual selected by the self-insurer members, and two public members appointed by the governor to two-year terms. Public members may include licensed insurance agents. If such obligors do not organize and continuously maintain an assigned claims bureau and an assigned claims plan in a manner considered by the commissioner of commerce to be consistent with sections 65B.41 to 65B.71, the commissioner shall organize and maintain an assigned claims bureau and an assigned claims plan. Each reparation obligor providing basic economic loss insurance in this state shall participate in the assigned claims bureau and the assigned claims plan. Costs incurred shall be allocated fairly and equitably among the reparation obligors.
A ruling, action, or decision of the governing committee may be appealed to the commissioner within 30 days. A final action or order of the commissioner is subject to judicial review in the manner provided by chapter 14. In lieu of an appeal to the commissioner, judicial review of the governing committee's ruling, action, or decision may be sought.
Subd. 2.
Assignment of claims.
The assigned claims bureau shall promptly assign each claim and notify the claimant of the identity and address of the assignee-obligor of the claim. Claims shall be assigned so as to minimize inconvenience to claimants. The assignee thereafter has rights and obligations as if the assignee had issued a policy of basic economic loss insurance complying with sections 65B.41 to 65B.71 applicable to the injury or, in case of financial inability of a reparation obligor to perform its obligations, as if the assignee had written the applicable reparation insurance, undertaken the self-insurance, or lawfully obligated itself to pay basic economic loss benefits.
History:
1974 c 408 s 23; 1978 c 674 s 57; 1983 c 289 s 114 subd 1; 1984 c 655 art 1 s 92; 1Sp1985 c 10 s 69; 1986 c 444; 1987 c 337 s 109
2023 Minnesota Statutes › Chapters 59A - 79A — Insurance › Chapter 65B — Automobile Insurance › Section 65B.65 — Time For Presenting Claims Under Assigned Claims Plan.

65B.65 TIME FOR PRESENTING CLAIMS UNDER ASSIGNED CLAIMS PLAN.
Subdivision 1.
Generally.
Except as provided in subdivision 2, a person authorized to obtain basic reparation benefits through the assigned claims plan shall notify the bureau of the claim within the time that would have been allowed for commencing an action for those benefits if there had been identifiable coverage in effect and applicable to the claim.
Subd. 2.
Discovery of obligor's inability to pay claim; notice to bureau.
If timely action for basic reparation benefits is commenced against a reparation obligor who is unable to fulfill obligations because of financial inability, a person authorized to obtain basic reparation benefits through the assigned claims plan shall notify the bureau of the claim within six months after discovery of the financial inability.
History:
1974 c 408 s 25; 1975 c 18 s 10; 1986 c 444
2023 Minnesota Statutes › Chapters 59A - 79A — Insurance › Chapter 65B — Automobile Insurance › Section 65B.66 — Claims Against Wrong Insurer.

65B.66 CLAIMS AGAINST WRONG INSURER.
If timely action for economic loss benefits is commenced against a reparation obligor and benefits are denied because of a determination that the obligor's coverage is not applicable to the claimant under the provisions of section 65B.47 on the priority of applicability of security a claim against a proper obligor or assigned claims plan may be made not later than 90 days after such determination becomes final or the last date on which the action could otherwise have been commenced, whichever is later.
History:
1974 c 408 s 26
2023 Minnesota Statutes › Chapters 59A - 79A — Insurance › Chapter 65B — Automobile Insurance › Section 65B.685 — Standardizing Coverage.

65B.685 STANDARDIZING COVERAGE.
As far as consistent with the requirements of sections 65B.41 to 65B.71, the commissioner may limit by rule the variety of coverages available in order to give insurance purchasers reasonable opportunity to compare the cost of insuring with various insurers.
History:
1979 c 190 s 7
2023 Minnesota Statutes › Chapters 59A - 79A — Insurance › Chapter 65B — Automobile Insurance › Section 65B.71 — Compliance.

65B.71 COMPLIANCE.
Subdivision 1.
Definition of qualified applicant.
The definition of "qualified applicant" under section 65B.02, subdivision 2, clause (2) shall, upon the repeal of chapter 170 and the enactment of sections 65B.41 to 65B.71, include a person required to prove automobile insurance coverage as required by sections 65B.41 to 65B.71.
Subd. 2.
Application to Metropolitan Airports Commission.
The actions permitted a metropolitan airports commission corporation under section 473.606, subdivision 6 shall, upon the repeal of chapter 170 and the enactment of sections 65B.41 to 65B.71, include acts necessary to bring the corporation, its commissioners and agents within the provisions of sections 65B.41 to 65B.71.
Subd. 3.
Application to certain county board action.
The actions permitted a county board under section 375.32, subdivision 2 shall, upon the repeal of chapter 170 and the enactment of sections 65B.41 to 65B.71, include acts necessary to bring the county, its officers and employees within the provisions of sections 65B.41 to 65B.71.
Subd. 4.
Transition provisions.
The provisions of Minnesota Statutes 1971, chapter 170, as amended by Laws 1973, chapter 35, sections 37 and 38, shall apply to a person who is involved in a motor vehicle accident occurring before January 1, 1975. Money deposited with the commissioner in accordance with Minnesota Statutes 1971, chapter 170, as amended by Laws 1973, chapter 35, sections 37 and 38, shall be retained by the commissioner and disbursed only in accordance with Minnesota Statutes 1971, chapter 170, as amended by Laws 1973, chapter 35, sections 37 and 38. An operator's license suspended in accordance with Minnesota Statutes 1971, chapter 170, as amended by Laws 1973, chapter 35, sections 37 and 38, shall be reinstated only in accordance with Minnesota Statutes 1971, chapter 170, as amended by Laws 1973, chapter 35, sections 37 and 38.
History:
1974 c 408 s 32 subds 1-3; 1975 c 18 s 15; 1978 c 674 s 57; 1Sp1981 c 4 art 1 s 58
2023 Minnesota Statutes › Chapters 59A - 79A — Insurance › Chapter 65B — Automobile Insurance › Section 65B.80 — Definitions.

65B.80 DEFINITIONS.
Subdivision 1.
Terms.
The following terms have the meanings given for purposes of sections 65B.80 to 65B.83.
Subd. 2.
Authorized person.
"Authorized person" means the prosecuting attorney responsible for prosecutions in the county where the motor vehicle theft occurred, the superintendent of the Bureau of Criminal Apprehension, and the sheriff or chief of police responsible for investigation in the county where the motor vehicle theft occurred.
Subd. 3.
Relevant information.
"Relevant information" or evidence means information having a tendency to make the existence of any fact that is of consequence to the investigation or determination of the issue more or less probable than it would be without the evidence.
History:
1987 c 254 s 1
2023 Minnesota Statutes › Chapters 59A - 79A — Insurance › Chapter 65B — Automobile Insurance › Section 65B.81 — Disclosure Of Information.

65B.81 DISCLOSURE OF INFORMATION.
Subdivision 1.
Request.
After receiving a written request, an insurance company must release to an authorized person any relevant information in the company's possession that relates to the motor vehicle theft. Relevant information is limited to:
(1) pertinent insurance policy information, including the application for a policy, that is relevant to a motor vehicle theft under investigation by the authorized person;
(2) policy premium payment records that are available;
(3) a history of previous claims made by the insured including, where the insured is a corporation or partnership, a history of previous claims by a subsidiary or any affiliates, and a history of claims of any other business association in which individual officers or partners or their spouses were known to be involved; and
(4) material relating to the investigation of the theft, including statements of any person, proof of loss, and any other evidence relevant to the investigation.
Subd. 2.
Notification by insurer required.
If an insurance company has reason to believe that a motor vehicle theft in which it has an interest may be fraudulently claimed, the company shall, in writing, notify an authorized person and provide the person with all relevant information specified in subdivision 1 relating to the motor vehicle theft. It is sufficient for the purpose of this subdivision if an insurance company notifies and provides relevant information to one authorized person.
Subd. 3.
Release of information.
An authorized person provided with information under subdivision 1 or 2 may, to further official purposes, release or provide the information to any other authorized person.
Subd. 4.
Information from authorized person.
An insurance company that provides information to an authorized person may request relevant information in writing from the authorized person and the authorized person must provide the requested information within 30 days. The relevant information provided under this subdivision may not include nonconviction criminal history record information or any other information that is detrimental to an ongoing criminal investigation or would reveal the identity of a confidential source of information. An authorized person who does not furnish the requested information shall notify the insurance company of the reasons why the information cannot be furnished within 30 days of the request.
Subd. 5.
Immunity from liability.
An insurance company or its agent acting in its behalf, or an authorized person who releases information, whether oral or written, acting in good faith, under subdivisions 1 to 3, is immune from any liability, civil or criminal, that might otherwise be incurred or imposed.
History:
1987 c 254 s 2
2023 Minnesota Statutes › Chapters 59A - 79A — Insurance › Chapter 65B — Automobile Insurance › Section 65B.82 — Evidence.

65B.82 EVIDENCE.
Data received under sections 65B.80 to 65B.83 by an authorized person or insurance company is confidential data under section 13.02, subdivision 3, until its release is required in connection with a criminal or civil proceeding.
History:
1987 c 254 s 3
2023 Minnesota Statutes › Chapters 59A - 79A — Insurance › Chapter 65B — Automobile Insurance › Section 65B.83 — Enforcement.

65B.83 ENFORCEMENT.
Subdivision 1.
Intentional refusal to release.
An insurance company or officer may not intentionally refuse to release any information requested under section 65B.81, subdivision 1.
Subd. 2.
Intentional refusal to notify.
An insurance company, or its employee or officer, may not intentionally refuse to provide notice or relevant information to authorized persons under section 65B.81, subdivision 2.
Subd. 3.
Penalty.
Whoever violates the provisions of subdivision 1 or 2 is guilty of a misdemeanor.
History:
1987 c 254 s 4
2023 Minnesota Statutes › Chapters 59A - 79A — Insurance › Chapter 66A — Mutual Companies › Section 66A.01 — Scope Of Chapter.

66A.01 SCOPE OF CHAPTER.
This chapter shall apply to mutual insurance companies other than: assessment benefit associations, fraternal benefit societies, township mutual insurance companies and title insurers. Sections 66A.08 to 66A.311 do not apply to mutual life insurance companies.
Sections 60A.07, subdivision 1, clauses (1) and (2); 66A.34; 66A.35; 66A.36; 66A.37; 66A.38; and 66A.39, do not apply to mutual property and casualty insurance companies.
History:
1967 c 395 art 7 s 1; 1992 c 564 art 1 s 54; 2005 c 69 art 2 s 11,18; 2014 c 198 art 4 s 8
2023 Minnesota Statutes › Chapters 59A - 79A — Insurance › Chapter 66A — Mutual Companies › Section 66A.03 — Incorporation.

66A.03 INCORPORATION.
Domestic mutual insurance companies must be incorporated in accordance with the provisions of section 60A.07, subdivision 1.
History:
1967 c 395 art 7 s 3; 1994 c 426 s 13; 2005 c 69 art 2 s 13
2023 Minnesota Statutes › Chapters 59A - 79A — Insurance › Chapter 66A — Mutual Companies › Section 66A.06 — Renewal Of Corporate Existence.

66A.06 RENEWAL OF CORPORATE EXISTENCE.
Any domestic mutual insurance company, heretofore or hereafter organized and existing under the laws of this state, whose period of duration has expired or is about to expire, may, on or before the date of the expiration, or within six months after the date of expiration, renew its corporate existence from the date of the expiration for any period permitted by the laws of this state, by the adoption of a resolution to that effect by the affirmative vote of three-fourths of the members present, in person or by proxy, at a regular meeting of the members, or at any special meeting called for that expressly stated purpose, and by causing the resolution to be embraced in a certificate duly executed by its president and secretary or other presiding and recording officers, under its corporate seal, and approved, filed, recorded, and published in the manner prescribed by law for the execution, approval, filing, recording, and publishing of an original certificate of incorporation or articles of association.
History:
1967 c 395 art 7 s 6; 2005 c 69 art 2 s 14
2023 Minnesota Statutes › Chapters 59A - 79A — Insurance › Chapter 66A — Mutual Companies › Section 66A.09 — Kinds Of Business Authorized.

66A.09 KINDS OF BUSINESS AUTHORIZED.
Nothing in this chapter shall be deemed to authorize or permit mutual insurance companies to engage in any kind of insurance not included in section 60A.06, subdivision 1, clauses (1) to (15) or authorized under section 60A.06, subdivision 2.
History:
1967 c 395 art 7 s 9; 1978 c 465 s 12
2023 Minnesota Statutes › Chapters 59A - 79A — Insurance › Chapter 66A — Mutual Companies › Section 66A.10 — Additional Requirements.

66A.10 ADDITIONAL REQUIREMENTS.
When the articles of incorporation of any mutual insurance company not having a guaranty fund of the amount required by section 66A.16, subdivision 2, provide, it may transact any and all kinds of business as set forth in section 60A.06, subdivision 1, clauses (1) to (15), and as authorized under section 60A.06, subdivision 2, subject to the conditions and restrictions as to the kinds of insurance which may be combined by a like stock insurance company and subject to the restrictions contained in the laws of this state with reference to general writing mutual insurance companies transacting the same kinds of business. Nothing in this section shall be construed as prohibiting a company issuing policies with a contingent liability from creating a guaranty fund as authorized by section 66A.16, subdivision 3. Any mutual company, however organized, may amend its articles to provide for the doing of two or more kinds of business specified in section 60A.06, subdivision 1, clauses (1) to (15) or authorized under section 60A.06, subdivision 2.
History:
1967 c 395 art 7 s 10; 1978 c 465 s 13
2023 Minnesota Statutes › Chapters 59A - 79A — Insurance › Chapter 66A — Mutual Companies › Section 66A.11 — Revocation Of License.

66A.11 REVOCATION OF LICENSE.
In case of the failure of any insurance company to comply with any of the provisions of sections 66A.08, 66A.09, 66A.10, 66A.14, 66A.15, and 66A.16, subdivisions 1 and 2, its right to transact insurance business in this state shall cease and it shall be the duty of the commissioner to immediately proceed under chapter 60B or declare its license revoked and, in case of such revocation, the company shall not be again licensed to transact business in this state for a period of one year from the date of the revocation.
History:
1967 c 395 art 7 s 11; 1969 c 708 s 63
2023 Minnesota Statutes › Chapters 59A - 79A — Insurance › Chapter 66A — Mutual Companies › Section 66A.12 — Mutual Fire Companies; Premiums; Contingent Liability.

66A.12 MUTUAL FIRE COMPANIES; PREMIUMS; CONTINGENT LIABILITY.
Every mutual fire company shall charge and collect on each policy a premium, in cash or in notes absolutely payable, or it may accept a deposit of cash equal to one year's premium on the policy issued and while the deposit remains intact collect all future premiums on the policy by assessments thereon, and shall also provide in its bylaws, and specify in its policies, the maximum contingent mutual liability of its members for payment of losses and expenses not provided for by its cash fund. The contingent liability of a member shall not be less than a sum equal to and in addition to one annual premium, nor more than a sum equal to five times the amount of such annual premium or, in case of a policy written for less than one year, the contingent liability shall not exceed the amount of premium written in the policy. The total amount of the liability of the policyholder shall be plainly and legibly stated upon each policy. When any reduction shall be made in the contingent liability of members, such reduction shall apply proportionally to all policies in force. Mutual insurance companies complying with section 66A.16, subdivision 3, may issue policies without a contingent liability; but the fact that there is no contingent liability must be plainly and legibly stated in the policies.
History:
1967 c 395 art 7 s 12
2023 Minnesota Statutes › Chapters 59A - 79A — Insurance › Chapter 66A — Mutual Companies › Section 66A.13 — Mutual Fire Companies; Requirements When Note Given.

66A.13 MUTUAL FIRE COMPANIES; REQUIREMENTS WHEN NOTE GIVEN.
Except as provided in section 66A.12, when a note or other written evidence of indebtedness is given for any premium due, or to become due, upon any insurance of property, except marine, the same shall be full payment therefor and operate to continue the same in full force during the term thereof, except that when any such note or other written evidence of indebtedness is not paid at maturity the policy for which the same was premium, in whole or in part, may be canceled upon notice and in the same manner as though the premium was paid in cash and the surrender of the note or other written evidence of indebtedness shall constitute a return or payment of the unearned portion of premium, and in such event the parties liable on the note or evidence of indebtedness shall be liable for and shall pay the premium earned prior to the cancellation and no more. In case of any cancellation of a policy, any note or notes, or written evidence of indebtedness given for whole or part of the premium thereon may be by insurer returned to the insured in lieu of cash to the extent of the unpaid amount thereof, plus accrued interest. No note given for premiums or deposit for assessment, or both, or for any part of either, shall be negotiable and every assignment thereof shall be subject to all existing defenses. Nor shall any such notes be valid for any purpose unless the words "not negotiable" are plainly and legibly written or printed across the face thereof.
History:
1967 c 395 art 7 s 13
2023 Minnesota Statutes › Chapters 59A - 79A — Insurance › Chapter 66A — Mutual Companies › Section 66A.14 — Dividends.

66A.14 DIVIDENDS.
The board of directors of any mutual insurance company may from time to time fix and determine the amounts to be paid during the year as dividends or a refund of savings and gains to policyholders; provided, that no dividend or refund shall discriminate between members of the same class and no dividend or refund shall be declared or distributed except out of the net divisible surplus of the company, and no company shall pay or credit a policyholder any sum in anticipation of a future dividend or refund.
History:
1967 c 395 art 7 s 14
2023 Minnesota Statutes › Chapters 59A - 79A — Insurance › Chapter 66A — Mutual Companies › Section 66A.17 — Mutual Fire Insurance Companies; Provisions As To Policies Lapsing.

66A.17 MUTUAL FIRE INSURANCE COMPANIES; PROVISIONS AS TO POLICIES LAPSING.
Any mutual company insuring property may provide by its certificate or bylaws that upon failure by any member for 60 days after notification thereof to pay any premium or assessment made upon the member's policy such policy shall lapse and become void without notice or further act by or on behalf of the company. The condition shall be plainly and legibly specified in each policy. Whereupon the company may recover the amount of earned premium or assessment, or both, but no more. Nothing herein contained shall prevent the reinstatement of the lapsed policy by voluntary acceptance of any delinquent assessment before suit.
History:
1967 c 395 art 7 s 17; 1986 c 444
2023 Minnesota Statutes › Chapters 59A - 79A — Insurance › Chapter 66A — Mutual Companies › Section 66A.19 — Contingent Liability.

66A.19 CONTINGENT LIABILITY.
Required contract provisions concerning contingent liability of the policyholder are contained in sections 66A.12 and 66A.15, subdivision 2.
History:
1967 c 395 art 7 s 19
2023 Minnesota Statutes › Chapters 59A - 79A — Insurance › Chapter 66A — Mutual Companies › Section 66A.215 — Special Provisions Relating To Hail, Tornado, And Cyclone Companies.

66A.215 SPECIAL PROVISIONS RELATING TO HAIL, TORNADO, AND CYCLONE COMPANIES.
Sections 66A.221 to 66A.31 apply only to hail, tornado, and cyclone companies.
History:
2005 c 69 art 2 s 17,18
2023 Minnesota Statutes › Chapters 59A - 79A — Insurance › Chapter 66A — Mutual Companies › Section 66A.221 — Organization.

66A.221 ORGANIZATION.
Subdivision 1.
Initial requirements.
No company for insurance against loss or damage by hail, tornadoes, cyclones, and hurricanes, or any of these causes, shall issue any policy until at least $200,000 of insurance, in not less than 400 separate risks, upon property located in not less than ten counties, and upon not more than 15 risks of 160 acres each in any one township, have been actually subscribed for and entered on its books and each subscriber has paid a membership fee of $3 for which duplicate receipts have been executed, conditioned for the return thereof at the end of one year if the company has not then completed its organization. Immediately thereafter one of these duplicates shall be delivered to the member and the other, together with the fee, deposited in a solvent bank approved by the commissioner, where the fee shall remain until the company has been licensed to do business, not exceeding such year, when it shall be delivered to it; otherwise to the member. The duplicate and a certificate of the deposit shall be filed with the commissioner within 90 days after deposit.
Subd. 2.
Liability for ratable assessments.
In addition to the premium, every policyholder, in its hail department, shall be liable to a ratable assessment for all losses and expenses incurred while a member in a sum equal to such premium but not exceeding in any one year five percent of the policyholder's insurance, if notified thereof within 90 days after the expiration or cancellation of the policy; or if such policy be for more than one year, within 90 days after the expiration of the year in which assessment is made thereunder.
History:
1967 c 395 art 7 s 22; 1986 c 444; 2005 c 69 art 2 s 18
2023 Minnesota Statutes › Chapters 59A - 79A — Insurance › Chapter 66A — Mutual Companies › Section 66A.23 — Assessments; Notice; Payments; Collection.

66A.23 ASSESSMENTS; NOTICE; PAYMENTS; COLLECTION.
When any assessment has been completed the secretary shall immediately notify each member by mail directed to the member's last known address of the purpose and amount of such assessment and of the member's share thereof, and the person to whom and the time when such payment must be made, which shall not be less than 30, nor more than 90, days thereafter; and such person, if the bylaws so provide, may collect a commission of not more than two percent of each amount in addition thereto.
History:
1967 c 395 art 7 s 23; 1986 c 444
2023 Minnesota Statutes › Chapters 59A - 79A — Insurance › Chapter 66A — Mutual Companies › Section 66A.24 — Officers; Duties; Compensation; Bonds.

66A.24 OFFICERS; DUTIES; COMPENSATION; BONDS.
The officers shall perform such duties, receive such compensation, and give such bonds as shall be provided in the bylaws or fixed by the directors; but no salary, past or future, shall be increased except by majority vote of all members present and represented at an annual meeting and no officer or director shall receive any commission, except upon business personally solicited and written by the officer.
History:
1967 c 395 art 7 s 24
2023 Minnesota Statutes › Chapters 59A - 79A — Insurance › Chapter 66A — Mutual Companies › Section 66A.25 — Proxies; Restrictions.

66A.25 PROXIES; RESTRICTIONS.
No proxy shall be received unless dated and actually executed within the preceding 30 days and filed with the secretary at least ten days before the meeting, nor if made to any director or officer.
History:
1967 c 395 art 7 s 25
2023 Minnesota Statutes › Chapters 59A - 79A — Insurance › Chapter 66A — Mutual Companies › Section 66A.26 — Property Insurable.

66A.26 PROPERTY INSURABLE.
No such company shall insure any other property than country churches and school houses, farm dwellings, mutual or cooperative creameries, cheese factories, barns, and other buildings, and hay, grain, and other farm products therein, or stored or growing on the premises, bedding, wearing apparel, printed books, pictures and frames, household furniture, family stores and provisions while therein or in the cellar beneath, farm implements, vehicles, and machinery on or off the premises, threshing machines, or livestock thereon or running at large, and any and all property of any kind which may be insured by a township mutual fire insurance company, organized under the provisions of sections 67A.01 and 67A.02. No company, in its hail department, shall insure more than 3,200 acres in any one township; there shall be at least one-half mile between each risk assumed by the company, except that risks may be assumed which cover the growing crops upon not more than 320 acres of contiguous or immediately adjacent lands.
History:
1967 c 395 art 7 s 26
2023 Minnesota Statutes › Chapters 59A - 79A — Insurance › Chapter 66A — Mutual Companies › Section 66A.27 — Limitation On Expenses.

66A.27 LIMITATION ON EXPENSES.
No such company shall incur, lay out, or expend, in any one calendar year, as and for the expenses of conducting this business, more than its application or survey fees and 40 percent of its total premiums or assessments actually collected. No company shall be required to limit its annual expenses to less than $1,000.
History:
1967 c 395 art 7 s 27
2023 Minnesota Statutes › Chapters 59A - 79A — Insurance › Chapter 66A — Mutual Companies › Section 66A.28 — Reports; Delinquency; Powers Of Commissioner.

66A.28 REPORTS; DELINQUENCY; POWERS OF COMMISSIONER.
The commissioner shall demand a report of any such company when in the commissioner's judgment the interest of the public or policyholders so require; and the proper officers of the company shall make prompt reply to the demand and answer fully all interrogations regarding its business methods, financial condition, and other matters pertaining to its business. The provisions of chapter 60B shall apply to such companies.
History:
1967 c 395 art 7 s 28; 1969 c 708 s 63; 1986 c 444