reglab/statecodes huggingface dataset:
2023 Maine Revised Statutes › TITLE 24-A: MAINE INSURANCE CODE › Chapter 40-A: GROUP PROPERTY AND CASUALTY INSURANCE › 24-A §2951. Group property and casualty insurance

§2951. Group property and casualty insurance
1.  Group coverage permitted.
The following lines of property and casualty insurance may be written on a group basis, subject to the requirements of this section and other applicable law:
A. Liability insurance issued to a risk purchasing group in compliance with chapter 72‑A;   [PL 2001, c. 138, §16 (NEW).]
B. Credit involuntary unemployment insurance issued to a debtor group in compliance with chapter 37; and   [PL 2001, c. 138, §16 (NEW).]
C. Other lines of insurance designated by the superintendent in compliance with rules adopted pursuant to section 2953.   [PL 2001, c. 138, §16 (NEW).]
[PL 2001, c. 138, §16 (NEW).]
2.  Terms of coverage.
A policy must provide insured group members with terms of coverage that are no less favorable to the insured than would be required for comparable nongroup policies, at rates consistent with the requirements of this Title.
[PL 2001, c. 138, §16 (NEW).]
3.  Certificate of coverage.
An insured group member must be issued a certificate of coverage adequately describing that insured's rights and responsibilities under the group policy in a manner satisfactory to the superintendent, delivered in the same time and manner as is required for the delivery of comparable nongroup policies.
[PL 2001, c. 138, §16 (NEW).]
SECTION HISTORY
PL 2001, c. 138, §16 (NEW).
2023 Maine Revised Statutes › TITLE 24-A: MAINE INSURANCE CODE › Chapter 40-A: GROUP PROPERTY AND CASUALTY INSURANCE › 24-A §2952. Termination of coverage

§2952. Termination of coverage
Cancellation and nonrenewal of group policies and of coverage of group members under group policies are governed by this section.   [PL 2001, c. 138, §16 (NEW).]
1.  Involuntary termination.
Involuntary termination of the group policy is governed by section 2908. Individual insureds do not have standing to contest cancellation or nonrenewal of the group policy unless they have the right to represent the group policyholder.
[PL 2001, c. 138, §16 (NEW).]
2.  Prior notice of involuntary termination of coverage.
Except as otherwise provided in this section, individual insureds have the same rights to prior notice before involuntary termination of coverage and opportunity for hearing before the superintendent to contest the termination as would be available under the cancellation control laws applicable to comparable nongroup policies.
[PL 2001, c. 138, §16 (NEW).]
3.  Termination of group policy.
Termination of the group policy, whether voluntary or involuntary, is a valid ground for termination of coverage for all group members, if adequate notice to group members has been given in accordance with subsection 2.
[PL 2001, c. 138, §16 (NEW).]
4.  Termination of group membership.
Termination of group membership is a valid ground for termination of the member's coverage under a group policy, if the certificate of coverage so provides. If the certificate of coverage gives adequate notice that coverage ceases immediately upon voluntary withdrawal from the group, no further advance notice is required as a condition precedent to the termination of coverage.
[PL 2001, c. 138, §16 (NEW).]
5.  Continued coverage.
An insurer's obligation to issue or offer continued coverage to a group member under this chapter may be satisfied by the issuance or offer of a comparable nongroup policy.
[PL 2001, c. 138, §16 (NEW).]
SECTION HISTORY
PL 2001, c. 138, §16 (NEW).
2023 Maine Revised Statutes › TITLE 24-A: MAINE INSURANCE CODE › Chapter 40-A: GROUP PROPERTY AND CASUALTY INSURANCE › 24-A §2953. Rulemaking

§2953. Rulemaking
The superintendent may adopt rules, which are routine technical rules pursuant to Title 5, chapter 375, subchapter II‑A, establishing specific requirements and procedures for group property and casualty policies, certificates of coverage and rates, consistent with the purposes of this chapter. These rules may specify additional types of insurance that may be issued on a group basis and the types of groups that may be policyholders, if the superintendent determines that the issuance of multiple individual policies to group members in accordance with chapter 40 does not adequately address the needs of the market.   [PL 2001, c. 138, §16 (NEW).]
SECTION HISTORY
PL 2001, c. 138, §16 (NEW).
2023 Maine Revised Statutes › TITLE 24-A: MAINE INSURANCE CODE › Chapter 41: PROPERTY INSURANCE CONTRACTS › Subchapter 1: STANDARD FIRE POLICY › 24-A §3001. Contracts subject to general provisions

§3001. Contracts subject to general provisions
All contracts of property insurance covering subjects located in this State are subject to this chapter, 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 41: PROPERTY INSURANCE CONTRACTS › Subchapter 1: STANDARD FIRE POLICY › 24-A §3003. Combination coverages

§3003. Combination coverages
Any policy or contract otherwise subject to section 3002 (standard fire policy required; exceptions), which includes either on an unspecified basis as to the coverage or for a single premium coverage against the peril of fire and substantial coverage against other perils need not comply with such provisions, provided:   [PL 1969, c. 132, §1 (NEW).]
1.
Such policy or contract shall afford coverage, with respect to the peril of fire, not less than the coverage afforded by such Maine standard fire policy;
[PL 1969, c. 132, §1 (NEW).]
2.
That such coverage as to the peril of fire shall be made subject without change to the same general provisions and stipulations as those of such standard fire policy;
[PL 1969, c. 132, §1 (NEW).]
3.
The provisions in relation to mortgagee interests and obligations in such standard fire policy shall be incorporated therein without change;
[PL 1969, c. 132, §1 (NEW).]
4.
Such policy or contract is complete as to all of its terms without reference to the standard form of fire insurance policy or any other policy;
[PL 1969, c. 132, §1 (NEW).]
5.
The superintendent is satisfied that such policy or contract complies with the provisions hereof.
[PL 1973, c. 585, §12 (AMD).]
SECTION HISTORY
PL 1969, c. 132, §1 (NEW). PL 1973, c. 585, §12 (AMD).
2023 Maine Revised Statutes › TITLE 24-A: MAINE INSURANCE CODE › Chapter 41: PROPERTY INSURANCE CONTRACTS › Subchapter 1: STANDARD FIRE POLICY › 24-A §3004. Lines numbered consecutively

§3004. Lines numbered consecutively
The lines of the conditions of the standard fire insurance policy shall be numbered consecutively at the option of the superintendent.   [PL 1973, c. 585, §12 (AMD).]
SECTION HISTORY
PL 1969, c. 132, §1 (NEW). PL 1973, c. 585, §12 (AMD).
2023 Maine Revised Statutes › TITLE 24-A: MAINE INSURANCE CODE › Chapter 41: PROPERTY INSURANCE CONTRACTS › Subchapter 1: STANDARD FIRE POLICY › 24-A §3004-A. Actual cash value

§3004-A. Actual cash value
1.  Actual cash value.
"Actual cash value", as used in section 3002, means the replacement cost of an insured item of property at the time of loss, less the value of physical depreciation as to the item damaged. "Physical depreciation" means a value as determined according to standard business practices.
[PL 1989, c. 316, §2 (NEW).]
SECTION HISTORY
PL 1989, c. 316, §2 (NEW).
2023 Maine Revised Statutes › TITLE 24-A: MAINE INSURANCE CODE › Chapter 41: PROPERTY INSURANCE CONTRACTS › Subchapter 1: STANDARD FIRE POLICY › 24-A §3005. Cancellation of standard fire policy for nonpayment of premium

§3005. Cancellation of standard fire policy for nonpayment of premium
An insurer issuing fire insurance policies on property in this State, under the standard form required by section 3002, may cancel any such policy in the manner provided by law without tendering to the assured a ratable proportion of the premium, if the premium has not been paid to the insurer or its agent, or to a duly licensed insurance broker through whom the contract of insurance was negotiated.   [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 41: PROPERTY INSURANCE CONTRACTS › Subchapter 1: STANDARD FIRE POLICY › 24-A §3006. Willful violations

§3006. Willful violations
Any insurer or agent who shall make, issue or deliver a policy of fire insurance in willful violation of sections 3002 or 3003 shall forfeit for each offense not less than $50 nor more than $200, but the policy shall nevertheless be binding upon the insurer issuing the same.   [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 41: PROPERTY INSURANCE CONTRACTS › Subchapter 2: DEPOSIT NOTES › 24-A §3020. Policy and deposit note one contract; insolvency; liability of insured; note surrendered

§3020. Policy and deposit note one contract; insolvency; liability of insured; note surrendered
1.
A policy of insurance issued by a fire or marine insurer, domestic or foreign, and a deposit note given therefor are one contract. A loss under such policy or other equitable claims may be proved in defense to the note, though it was indorsed or assigned before it was due.
[PL 1969, c. 132, §1 (NEW).]
2.
When an insurer becomes insolvent, the maker of the note is only liable for the equitable proportion thereof that accrued during the solvency. If the insolvency occurs within 60 days of the date of the note, it is void except for the amount of the maker's claim, if any, on the insurer. An insured may not be held to contribute to any losses or expenses beyond the amount of the insured's deposit note. At the expiration of the insured's term of insurance, the insured's note, on payment of all assessments for which it is liable, must be relinquished to the insured, except as provided in section 3021.
[RR 2021, c. 1, Pt. B, §263 (COR).]
SECTION HISTORY
PL 1969, c. 132, §1 (NEW). RR 2021, c. 1, Pt. B, §263 (COR).
2023 Maine Revised Statutes › TITLE 24-A: MAINE INSURANCE CODE › Chapter 41: PROPERTY INSURANCE CONTRACTS › Subchapter 2: DEPOSIT NOTES › 24-A §3021. Lien on insured real estate

§3021. Lien on insured real estate
Any fire insurer shall have a lien against the insured, on the buildings insured and the land appurtenant thereto, for the amount at any time due on the note referred to in section 3020, to commence from the time of the recording of the same, and to continue 60 days after the expiration of the policy on which such note is given, if the insurer causes a certificate of its claim to such lien, signed by the secretary, to be recorded by the register of deeds for the county or district. During the pendency of such lien, an attachment of such property, in a civil action on the note in favor of the insurer, has priority of all other attachments or claims. Execution, when recovered, may be levied on it accordingly.   [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 41: PROPERTY INSURANCE CONTRACTS › Subchapter 2: DEPOSIT NOTES › 24-A §3022. Lien continues on deceased's property; policy descends to estate

§3022. Lien continues on deceased's property; policy descends to estate
Upon the death of a member, the lien of the insurer remains good on the property insured to the amount due on the deposit note, and the policy descends to the executor or administrator of the deceased for the benefit of the estate during its continuance, unless voluntarily surrendered or forfeited by the charter of the insurer.   [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 41: PROPERTY INSURANCE CONTRACTS › Subchapter 3: LIEN OF MORTGAGEES ON POLICIES › 24-A §3030. Lien established; application of payments

§3030. Lien established; application of payments
The mortgagee of any real estate or the mortgagee of any personal property has a lien upon any policy of insurance against loss by fire procured thereon by the mortgagor, to take effect from the time the mortgagee files with the insurer, at its home office, a written notice, briefly describing the mortgage, the estate conveyed thereby and the sum remaining unpaid thereon. If the mortgagor, by a writing by the mortgagor signed and filed with the secretary, consents that the whole of the sum secured by the policy, or so much as is required to discharge the amount due on the mortgage at the time when a loss occurs, will be applied to the payment of the mortgage, it must be so paid by the insurer, and the mortgagee's receipt therefor is a sufficient discharge of the insurer.   [PL 2021, c. 676, Pt. A, §37 (AMD).]
SECTION HISTORY
PL 1969, c. 132, §1 (NEW). PL 2021, c. 676, Pt. A, §37 (AMD).
2023 Maine Revised Statutes › TITLE 24-A: MAINE INSURANCE CODE › Chapter 41: PROPERTY INSURANCE CONTRACTS › Subchapter 3: LIEN OF MORTGAGEES ON POLICIES › 24-A §3031. Enforcement of lien

§3031. Enforcement of lien
If the mortgagor does not consent as provided for in section 3030, the mortgagee of any real estate may, at any time within 60 days after a loss, and the mortgagee of any personal property may at any time within 30 days after a loss, enforce the mortgagee's lien by a civil action against the mortgagor, and the insurer as the mortgagor's trustee, in which judgment may be rendered for what is found due from the insurer upon the policy, notwithstanding the time of payment of the whole sum secured by the mortgage has not arrived, and which action must be commenced and service made on the trustee within such 60 or 30 days.   [RR 2021, c. 1, Pt. B, §264 (COR).]
SECTION HISTORY
PL 1969, c. 132, §1 (NEW). RR 2021, c. 1, Pt. B, §264 (COR).
2023 Maine Revised Statutes › TITLE 24-A: MAINE INSURANCE CODE › Chapter 41: PROPERTY INSURANCE CONTRACTS › Subchapter 3: LIEN OF MORTGAGEES ON POLICIES › 24-A §3032. Application of amount recovered

§3032. Application of amount recovered
The amount recovered under section 3031 shall be applied first to the payment of the costs of the civil action and officer's fees on the execution and next to the payment of the amount due on the mortgage. The balance, if any, shall be retained by the insurer and paid to the mortgagor. If the insurer assumes the defense, it shall be liable to the plaintiff for costs in the same manner as the principal defendant, defending the action, would be.   [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 41: PROPERTY INSURANCE CONTRACTS › Subchapter 3: LIEN OF MORTGAGEES ON POLICIES › 24-A §3033. Priority of mortgagees

§3033. Priority of mortgagees
When 2 or more mortgagees claim the benefit of sections 3030 to 3032, their rights shall be determined according to the priority of their claims and mortgages by the principles of law.   [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 41: PROPERTY INSURANCE CONTRACTS › Subchapter 3: LIEN OF MORTGAGEES ON POLICIES › 24-A §3034. Mortgagee's policy void, unless consented to

§3034. Mortgagee's policy void, unless consented to
When any mortgagee claims the benefit of sections 3030 to 3033, any policy of insurance that the mortgagee had procured or subsequently procures on the mortgagee's interest in the same property by virtue of the mortgage is void, unless consented to by the insurer insuring the mortgagor's interest.   [RR 2021, c. 1, Pt. B, §265 (COR).]
SECTION HISTORY
PL 1969, c. 132, §1 (NEW). RR 2021, c. 1, Pt. B, §265 (COR).
2023 Maine Revised Statutes › TITLE 24-A: MAINE INSURANCE CODE › Chapter 41: PROPERTY INSURANCE CONTRACTS › Subchapter 4: GENERAL PROVISIONS › 24-A §3040. Insurance on furniture, owned jointly by husband and wife

§3040. Insurance on furniture, owned jointly by husband and wife
Insurance effected by a husband or wife on a dwelling house owned by the insured and on the furniture therein is valid for all the furniture, although part is owned by the husband and part by the wife.   [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 41: PROPERTY INSURANCE CONTRACTS › Subchapter 4: GENERAL PROVISIONS › 24-A §3041. Time limit for adjusting, paying fire loss; penalty

§3041. Time limit for adjusting, paying fire loss; penalty
1.
In case of physical loss by fire to property insured by any insurer, the insurer or its representative shall begin adjustment of such loss within 20 days after the receipt of the notice of loss provided for by the policy.
[PL 1969, c. 132, §1 (NEW).]
2.
In any statute relating to fire insurance or in any policy of fire insurance, reference to the date of loss or the time when a loss occurs shall mean the day of the fire against which the policy insures.
[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 41: PROPERTY INSURANCE CONTRACTS › Subchapter 4: GENERAL PROVISIONS › 24-A §3042. Loss information to be supplied

§3042. 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, §2 (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, §2 (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, §2 (NEW).]
B. "Loss information" means the following items: the name of the insured, the date of the loss, the date 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, §2 (NEW).]
[PL 1989, c. 696, §2 (NEW).]
SECTION HISTORY
PL 1989, c. 696, §2 (NEW).
2023 Maine Revised Statutes › TITLE 24-A: MAINE INSURANCE CODE › Chapter 41: PROPERTY INSURANCE CONTRACTS › Subchapter 4: GENERAL PROVISIONS › 24-A §3043. Coverage for rental equipment permitted

§3043. Coverage for rental equipment permitted
1.  Definitions.
As used in this section, unless the context otherwise indicates, the following terms have the following meanings.
A. "Covered rental agreement" means a written agreement with a term of 30 continuous days or fewer setting forth the terms and conditions governing the use of covered rental equipment provided by a rental company.   [PL 2015, c. 77, §8 (NEW).]
B. "Covered rental equipment" means equipment rented pursuant to a covered rental agreement for personal or household purposes.   [PL 2015, c. 77, §8 (NEW).]
C. "Rental company" means a person or organization, including a franchisee, in the business of renting equipment to the public.   [PL 2015, c. 77, §8 (NEW).]
[PL 2015, c. 77, §8 (NEW).]
2.  Coverage for rental equipment permitted.
Notwithstanding any other provision of this Title, a rental company may offer for sale an insurance policy insuring against the loss of or damage to covered rental equipment under a covered rental agreement.
[PL 2015, c. 77, §8 (NEW).]
SECTION HISTORY
PL 2015, c. 77, §8 (NEW).
2023 Maine Revised Statutes › TITLE 24-A: MAINE INSURANCE CODE › Chapter 41: PROPERTY INSURANCE CONTRACTS › Subchapter 5: MAINE PROPERTY INSURANCE CANCELLATION CONTROL ACT › 24-A §3048. Scope of subchapter

§3048. Scope of subchapter
This subchapter shall apply to policies of insurance, other than automobile insurance and workers' compensation insurance, on risks located or resident in this State which are issued and take effect or which are renewed after the effective date of this subchapter and insuring against any of the following:   [PL 1989, c. 502, Pt. A, §99 (AMD).]
1.
Loss of or damage to real property which is used solely for residential purposes and which consists of not more than 4 apartments and which is owner-occupied;
[PL 1973, c. 239 (NEW).]
2.
Loss of or damage to personal property in which natural persons resident in specifically described real property of the kind described in subsection 1 have an insurable interest, except personal property used in the conduct of a commercial or industrial enterprise;
[PL 1973, c. 239 (NEW).]
3.
Legal liability of a natural person or persons for loss of, damage to or injury to persons or property, but not including policies primarily insuring risks arising from the conduct of a commercial or industrial enterprise.
[PL 1973, c. 239 (NEW).]
Any policy written for a term longer than one year or with no fixed expiration date shall be considered, for purposes of this subchapter, written for successive policy terms of one year.   [PL 1979, c. 411, §1 (NEW).]
SECTION HISTORY
PL 1973, c. 239 (NEW). PL 1979, c. 411, §1 (AMD). PL 1989, c. 502, §A99 (AMD).
2023 Maine Revised Statutes › TITLE 24-A: MAINE INSURANCE CODE › Chapter 41: PROPERTY INSURANCE CONTRACTS › Subchapter 5: MAINE PROPERTY INSURANCE CANCELLATION CONTROL ACT › 24-A §3048-A. Hearings

§3048-A. Hearings
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, §427 (NEW).]
SECTION HISTORY
PL 1977, c. 694, §427 (NEW).
2023 Maine Revised Statutes › TITLE 24-A: MAINE INSURANCE CODE › Chapter 41: PROPERTY INSURANCE CONTRACTS › Subchapter 5: MAINE PROPERTY INSURANCE CANCELLATION CONTROL ACT › 24-A §3049-A. Transfer on death deed; provision and cancellation of property insurance

§3049-A. Transfer on death deed; provision and cancellation of property insurance
1.  Definitions.
As used in this section, unless the context otherwise indicates, the following terms have the following meanings.
A. "Designated beneficiary" has the same meaning as in Title 18‑C, section 6‑402, subsection 2.   [PL 2021, c. 497, §1 (NEW).]
B. "Insurable interest" has the same meaning as in section 2406, subsection 2.   [PL 2021, c. 497, §1 (NEW).]
C. "Policy" means an insurance contract subject to this subchapter.   [PL 2021, c. 497, §1 (NEW).]
D. "Transfer on death deed" has the same meaning as in Title 18‑C, section 6‑402, subsection 6.   [PL 2021, c. 497, §1 (NEW).]
E. "Transferor" has the same meaning as in Title 18‑C, section 6‑402, subsection 7.   [PL 2021, c. 497, §1 (NEW).]
[PL 2021, c. 497, §1 (NEW).]
2.  Policy to include designated beneficiary.
Notwithstanding any provision of law to the contrary, when an insured property passes to a designated beneficiary under a transfer on death deed, any policy covering the insured property must extend to the designated beneficiary, except as provided in this section.
[PL 2021, c. 497, §1 (NEW).]
3.  Cancellation.
Upon receiving a notice of death affidavit under Title 18‑C, section 6‑414, the insurer may cancel a policy extended pursuant to this section as if the policy had been in effect for less than 90 days, as provided in section 3049. If the insurer does not receive a notice of death affidavit within 30 days after the transferor's death, the policy is deemed to have been cancelled as of the transferor's death without any further action by the insurer.
[PL 2021, c. 497, §1 (NEW).]
4.  Coverage extended.
The coverage extension under this section applies only with respect to the premises and property of the transferor.
[PL 2021, c. 497, §1 (NEW).]
5.  Proof demanded; policy conditions.
Before making any claim payments to a party claiming rights under this section as a designated beneficiary, the insurer may ask for proof that the party is a designated beneficiary under a properly recorded transfer on death deed and that the party has filed a notice of death affidavit under Title 18‑C, section 6‑414. The designated beneficiary shall comply with the conditions of the policy.
[PL 2021, c. 497, §1 (NEW).]
6.  Insurable interest; multiple beneficiaries.
A designated beneficiary is not entitled to recover under a policy extended as provided in this section in an amount that would exceed the designated beneficiary's insurable interest at the time of loss or damage. If the transfer on death deed has designated multiple beneficiaries, nothing in this section requires the insurer to pay an amount for loss or damage to the premises and property that exceeds the amount that would be owed to the transferor if the transferor were living at the time of loss or damage.
[PL 2021, c. 497, §1 (NEW).]
SECTION HISTORY
PL 2021, c. 497, §1 (NEW).
2023 Maine Revised Statutes › TITLE 24-A: MAINE INSURANCE CODE › Chapter 41: PROPERTY INSURANCE CONTRACTS › Subchapter 5: MAINE PROPERTY INSURANCE CANCELLATION CONTROL ACT › 24-A §3050. Delivery of notice

§3050. 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. Like notice must also be given to any party named as mortgagee on the policy. 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, §10 (AMD).]
Except for a policy that has been in effect for less than 90 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 3054.   [PL 2007, c. 188, Pt. C, §10 (AMD).]
SECTION HISTORY
PL 1973, c. 239 (NEW). PL 1973, c. 585, §12 (AMD). PL 1977, c. 414, §§2,3 (AMD). PL 1979, c. 347, §§10,11 (AMD). PL 1989, c. 172, §7 (AMD). PL 2005, c. 114, §5 (AMD). PL 2007, c. 188, Pt. C, §10 (AMD).
2023 Maine Revised Statutes › TITLE 24-A: MAINE INSURANCE CODE › Chapter 41: PROPERTY INSURANCE CONTRACTS › Subchapter 5: MAINE PROPERTY INSURANCE CANCELLATION CONTROL ACT › 24-A §3051. Notice of intent

§3051. 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. Like notice must also be given to any party named as mortgagee on the policy. A post office 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. The reason must accompany the notice of intent not to renew, together with notification of the right to apply for a hearing before the superintendent within 30 days as provided.   [PL 2007, c. 188, Pt. C, §11 (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," "location of risk," "credit report" and similar insurance terms are not by themselves acceptable explanations of an insurer's intended nonrenewal of a policy insuring property of the kind defined in section 3048. The reason for nonrenewal must be a good faith reason and related to the insurability of the property or a ground for cancellation pursuant to section 3049.   [PL 2003, c. 671, Pt. A, §8 (AMD).]
This section does not apply:   [PL 2003, c. 671, Pt. A, §8 (AMD).]
1.
If the insurer has manifested its willingness to renew;
[PL 2005, c. 114, §6 (AMD).]
2.
If the insured fails to pay any premium due or any advance premium required by the insurer for renewal; or
[PL 2005, c. 114, §7 (AMD).]
3.
If the insurer has transferred a policy to an affiliate.
[PL 2007, c. 188, Pt. C, §11 (AMD).]
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, §11 (NEW).]
SECTION HISTORY
PL 1973, c. 239 (NEW). PL 1973, c. 585, §12 (AMD). PL 1977, c. 414, §§4,5 (AMD). PL 1979, c. 144 (AMD). PL 1979, c. 347, §12 (AMD). PL 2003, c. 671, §A8 (AMD). PL 2005, c. 114, §§6-8 (AMD). PL 2007, c. 188, Pt. C, §11 (AMD).
2023 Maine Revised Statutes › TITLE 24-A: MAINE INSURANCE CODE › Chapter 41: PROPERTY INSURANCE CONTRACTS › Subchapter 5: MAINE PROPERTY INSURANCE CANCELLATION CONTROL ACT › 24-A §3052. Duplicate coverage

§3052. Duplicate coverage
If an insured obtains a replacement policy which provides equal or more extensive coverage for any property designated in both policies, the first insurer's coverage of such property may be terminated by failure to renew as of the effective time and date of the replacement policy, whether or not the first insurer complies with all provisions of section 3051.   [PL 1973, c. 239 (NEW).]
SECTION HISTORY
PL 1973, c. 239 (NEW).
2023 Maine Revised Statutes › TITLE 24-A: MAINE INSURANCE CODE › Chapter 41: PROPERTY INSURANCE CONTRACTS › Subchapter 5: MAINE PROPERTY INSURANCE CANCELLATION CONTROL ACT › 24-A §3053. Renewal not a waiver or estoppel

§3053. 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. 239 (NEW).]
SECTION HISTORY
PL 1973, c. 239 (NEW).
2023 Maine Revised Statutes › TITLE 24-A: MAINE INSURANCE CODE › Chapter 41: PROPERTY INSURANCE CONTRACTS › Subchapter 5: MAINE PROPERTY INSURANCE CANCELLATION CONTROL ACT › 24-A §3054. Hearing before Superintendent of Insurance

§3054. Hearing before Superintendent of Insurance
A 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 is limited to establishing the existence of the proof or evidence used 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 is on the insurer. If an insurer's reason for nonrenewal is not based on a ground for cancellation permitted under section 3049, the insurer must provide proof or evidence that the reason for nonrenewal is a good faith reason and related to the insurability of the property. A statement from the insurer that the risk does not meet the insurer's underwriting guidelines alone is not considered sufficient proof or evidence. The superintendent shall adopt rules for carrying out this section. The superintendent may order the policy to 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.   [PL 2003, c. 671, Pt. A, §9 (AMD).]
SECTION HISTORY
PL 1973, c. 239 (NEW). PL 1973, c. 585, §12 (AMD). PL 1979, c. 347, §13 (AMD). PL 1989, c. 172, §8 (AMD). PL 2003, c. 671, §A9 (AMD).
2023 Maine Revised Statutes › TITLE 24-A: MAINE INSURANCE CODE › Chapter 41: PROPERTY INSURANCE CONTRACTS › Subchapter 5: MAINE PROPERTY INSURANCE CANCELLATION CONTROL ACT › 24-A §3055. Superintendent's authority to suspend

§3055. Superintendent's authority to suspend
In the event of impairment or serious financial difficulty of an insurer or insurers, the superintendent shall have the authority to suspend the provisions of the Maine Property Insurance Cancellation Control Act from applying to the policies of the financially distressed insurer or insurers.   [PL 1977, c. 414, §6 (NEW).]
SECTION HISTORY
PL 1977, c. 414, §6 (NEW).
2023 Maine Revised Statutes › TITLE 24-A: MAINE INSURANCE CODE › Chapter 41: PROPERTY INSURANCE CONTRACTS › Subchapter 5: MAINE PROPERTY INSURANCE CANCELLATION CONTROL ACT › 24-A §3055-A. Discontinuance of a line of business

§3055-A. 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, §2 (AMD).]
SECTION HISTORY
PL 1995, c. 544, §10 (NEW). PL 2005, c. 49, §2 (AMD).
2023 Maine Revised Statutes › TITLE 24-A: MAINE INSURANCE CODE › Chapter 41: PROPERTY INSURANCE CONTRACTS › Subchapter 5: MAINE PROPERTY INSURANCE CANCELLATION CONTROL ACT › 24-A §3056. Nonliability for certain statements

§3056. 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, §2 (NEW).]
B. The statements are reasonably related to the reason for cancellation or intent not to renew; and   [PL 1979, c. 112, §2 (NEW).]
C. In the case of a notice of cancellation, the reason for cancellation is a reason permitted under section 3049.   [PL 1979, c. 112, §2 (NEW).]
[PL 2013, c. 588, Pt. C, §15 (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, §2 (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, §2 (NEW).]
C. In the case of a hearing held on a notice of cancellation, the reason for cancellation is a reason permitted under section 3049.   [PL 1979, c. 112, §2 (NEW).]
[PL 2013, c. 588, Pt. C, §15 (AMD).]
SECTION HISTORY
PL 1979, c. 112, §2 (NEW). PL 2013, c. 588, Pt. C, §15 (AMD).
2023 Maine Revised Statutes › TITLE 24-A: MAINE INSURANCE CODE › Chapter 41: PROPERTY INSURANCE CONTRACTS › Subchapter 5: MAINE PROPERTY INSURANCE CANCELLATION CONTROL ACT › 24-A §3057. Actions related to age of dwelling prohibited

§3057. Actions related to age of dwelling prohibited
An insurance company authorized to transact business in this State may not cancel or refuse to issue or renew a property insurance policy subject to this subchapter solely on the basis of the age of the dwelling and without consideration of the current condition of the property.   [PL 2003, c. 671, Pt. A, §10 (NEW).]
SECTION HISTORY
PL 2003, c. 671, §A10 (NEW).
2023 Maine Revised Statutes › TITLE 24-A: MAINE INSURANCE CODE › Chapter 41: PROPERTY INSURANCE CONTRACTS › Subchapter 5: MAINE PROPERTY INSURANCE CANCELLATION CONTROL ACT › 24-A §3058. Refusal based on previous owner's losses

§3058. Refusal based on previous owner's losses
An insurance company authorized to transact business in this State may not refuse to issue a property insurance policy subject to this subchapter for the sole reason that a previous owner of the property submitted claims for losses to the property.   [PL 2003, c. 671, Pt. A, §10 (NEW).]
SECTION HISTORY
PL 2003, c. 671, §A10 (NEW).
2023 Maine Revised Statutes › TITLE 24-A: MAINE INSURANCE CODE › Chapter 41: PROPERTY INSURANCE CONTRACTS › Subchapter 5: MAINE PROPERTY INSURANCE CANCELLATION CONTROL ACT › 24-A §3059. Insurer valuation of property; increase in premium; notice

§3059. Insurer valuation of property; increase in premium; notice
1.  Increase in valuation.
If an insurer determines that the stated insured value of a property covered by a policy subject to this subchapter should be increased to depict more accurately its current value and the increase in valuation will result in an increase in premium for the policy, then the increase in the stated insured value and the corresponding increase in premium may be implemented only at the time of renewal.
[PL 2003, c. 671, Pt. A, §10 (NEW).]
2.  Notice.
If an insurer increases the stated insured value in accordance with subsection 1, then the insurer must provide notice to the named insured on the policy at least 30 days prior to the effective date of the renewal policy stating the reason for the increase in premium and the amount of premium increase associated with the increase in valuation. The notice also must state that upon written request by the named insured the insurer will disclose the specific reasons and specific property characteristics that contributed to the resulting increase in stated value.
[PL 2003, c. 671, Pt. A, §10 (NEW).]
3.  Exemptions.
This section does not apply to routinely scheduled increases in valuation under the policy based on inflation or to increases in the stated insured value of a property agreed to by the insured.
[PL 2003, c. 671, Pt. A, §10 (NEW).]
SECTION HISTORY
PL 2003, c. 671, §A10 (NEW).
2023 Maine Revised Statutes › TITLE 24-A: MAINE INSURANCE CODE › Chapter 41: PROPERTY INSURANCE CONTRACTS › Subchapter 5: MAINE PROPERTY INSURANCE CANCELLATION CONTROL ACT › 24-A §3061. Uniform policy standards concerning hurricane deductible programs

§3061. Uniform policy standards concerning hurricane deductible programs
The superintendent shall adopt rules establishing procedures and standards for an insurer that uses a hurricane deductible program or programs regarding the applicability of hurricane deductibles. Procedures and standards must include without limitation uniform policy standards and the form of notice that the insurer must provide to the named insured under a policy subject to this subchapter issued by the insurer. Rules adopted pursuant to this section are routine technical rules as defined by Title 5, chapter 375, subchapter 2‑A.   [PL 2013, c. 38, §1 (NEW).]
SECTION HISTORY
PL 2013, c. 38, §1 (NEW).
2023 Maine Revised Statutes › TITLE 24-A: MAINE INSURANCE CODE › Chapter 43: SURETY INSURANCE CONTRACTS › 24-A §3101. Contracts subject to general provisions

§3101. Contracts subject to general provisions
All contracts of surety 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 43: SURETY INSURANCE CONTRACTS › 24-A §3102. Acceptance as surety on bonds

§3102. Acceptance as surety on bonds
Any insurer duly authorized to transact surety insurance in this State may be accepted as surety upon the bond of any person required by the laws of the State to execute a bond. If such insurer shall furnish satisfactory evidence of its ability to provide all the security required by law, no additional surety may be exacted, but other surety or sureties may, in the discretion of the official authorized to approve such bond, be required. Such insurer may be released from its liability on the same terms and conditions as are by law prescribed for the release of individuals. It is the true intent and meaning of this section to enable corporations created for that purpose to become surety on bonds required by law, subject to all the rights and liabilities of private individuals.   [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 43: SURETY INSURANCE CONTRACTS › 24-A §3102-A. Indemnification; surety on bonds (REPEALED)

§3102-A. Indemnification; surety on bonds
(REPEALED)
SECTION HISTORY
PL 1995, c. 296, §1 (NEW). PL 2011, c. 38, §1 (RP).
2023 Maine Revised Statutes › TITLE 24-A: MAINE INSURANCE CODE › Chapter 43: SURETY INSURANCE CONTRACTS › 24-A §3103. Premiums on bonds

§3103. Premiums on bonds
Any court or officer whose duty it is to pass upon the account of any person required by law to give a bond may, whenever such person has given any such surety insurer as surety upon the bond, allow in the settlement of such account a reasonable sum for the expense of procuring such surety. The premiums on account of all official bonds required by law to be given by county officials shall be paid from the treasuries of their several counties.   [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 43: SURETY INSURANCE CONTRACTS › 24-A §3104. Notice of authorization to registers of probate

§3104. Notice of authorization to registers of probate
Whenever any surety insurer is authorized to transact business in this State, the superintendent shall maintain the name of such insurer and the names of all agents of such insurer who have been licensed by the superintendent, their places of residence and the dates when their licenses will expire.   [PL 1993, c. 637, §34 (AMD).]
SECTION HISTORY
PL 1969, c. 132, §1 (NEW). PL 1973, c. 585, §12 (AMD). PL 1977, c. 330 (RPR). PL 1993, c. 637, §34 (AMD).
2023 Maine Revised Statutes › TITLE 24-A: MAINE INSURANCE CODE › Chapter 43: SURETY INSURANCE CONTRACTS › 24-A §3105. Estoppel to deny corporate power

§3105. Estoppel to deny corporate power
An insurer must attach a power of attorney to every bond it executes through an attorney-in-fact in this State; except that bonds executed by an officer of this insurer are exempt from this requirement. The power of attorney must identify the name and address of its attorney-in-fact who is authorized to act for the insurer within this State together with the scope of authority of the attorney-in-fact. Any insurer which shall execute any bond as surety under section 3102 shall be estopped in any proceedings to enforce the liability which it shall have assumed to incur, to deny its corporate power or the authority of its attorney in fact within the scope of the power of attorney filed in accordance with this section, to execute such instrument or assume such liability or the authority of any licensed agent to countersign such instrument.   [PL 1993, c. 637, §35 (AMD).]
SECTION HISTORY
PL 1969, c. 132, §1 (NEW). PL 1993, c. 637, §35 (AMD).
2023 Maine Revised Statutes › TITLE 24-A: MAINE INSURANCE CODE › Chapter 44: PET INSURANCE › 24-A §3151. Short title

§3151. Short title
This chapter may be known and cited as "the Pet Insurance Act."   [PL 2021, c. 562, §1 (NEW).]
SECTION HISTORY
PL 2021, c. 562, §1 (NEW).
2023 Maine Revised Statutes › TITLE 24-A: MAINE INSURANCE CODE › Chapter 44: PET INSURANCE › 24-A §3152. Scope and applicability

§3152. Scope and applicability
This chapter establishes requirements for the sale, solicitation, negotiation or offer of pet insurance in this State.   [PL 2021, c. 562, §1 (NEW).]
1.  Applicability.
The requirements of this chapter apply to pet insurance policies that are sold, solicited, negotiated or offered in this State and that are issued to any resident of this State and to policies or certificates that are delivered or issued for delivery in this State.
[PL 2021, c. 562, §1 (NEW).]
2.  General provisions of Title 24-A.
All applicable provisions of this Title apply to pet insurance, except that the specific provisions of this chapter supersede any general provisions of this Title that would otherwise be applicable to pet insurance.
[PL 2021, c. 562, §1 (NEW).]
SECTION HISTORY
PL 2021, c. 562, §1 (NEW).
2023 Maine Revised Statutes › TITLE 24-A: MAINE INSURANCE CODE › Chapter 44: PET INSURANCE › 24-A §3154. Policy definitions and exclusions

§3154. Policy definitions and exclusions
1.  Use of defined terms.
If an insurer uses any of the terms that are defined in section 3153 in a pet insurance policy, the insurer shall use the definition of each of those terms as set forth in section 3153 and include the definition of those terms in the policy. The insurer shall also make the definition available through a clear and conspicuous link on the main page of the insurer's or insurer's program administrator's publicly accessible website.
[PL 2021, c. 562, §1 (NEW).]
2.  Exclusions.
This chapter does not limit or prohibit the types of exclusions an insurer may use in a pet insurance policy or require an insurer to include any of the limitations or exclusions described in section 3155.
[PL 2021, c. 562, §1 (NEW).]
SECTION HISTORY
PL 2021, c. 562, §1 (NEW).
2023 Maine Revised Statutes › TITLE 24-A: MAINE INSURANCE CODE › Chapter 44: PET INSURANCE › 24-A §3156. Policy conditions

§3156. Policy conditions
1.  Exclusion.
An insurer may issue a pet insurance policy that excludes coverage on the basis of one or more preexisting conditions with appropriate disclosure to the consumer. The insurer has the burden of proving that the preexisting condition exclusion applies to the condition for which a claim is being made.
[PL 2021, c. 562, §1 (NEW).]
2.  Waiting periods.
An insurer may issue a pet insurance policy that imposes a waiting period upon effectuation of the policy as long as that waiting period does not exceed 30 days for illnesses or orthopedic conditions not resulting from an accident. A waiting period for illnesses or orthopedic conditions resulting from an accident is prohibited. An insurer may not impose a waiting period on the renewal of existing coverage. An insurer imposing a waiting period as permitted by this subsection shall include a provision in the pet insurance policy contract that allows the waiting period to be waived upon completion of a medical examination. An insurer may require the examination to be conducted by a licensed veterinarian after the purchase of the policy. A medical examination conducted pursuant to this subsection must be paid for by the policyholder, unless the policy specifies that the insurer will pay for the examination. An insurer may specify elements to be included as part of the examination and require documentation of the elements, as long as the specifications do not unreasonably restrict a consumer's ability to waive the waiting period.
[PL 2021, c. 562, §1 (NEW).]
3.  Renewal.
An insurer may not require a veterinary examination of the covered pet for the insured to have the pet insurance policy renewed. A condition for which coverage is afforded on a policy may not be considered a preexisting condition on any renewal of the policy.
[PL 2021, c. 562, §1 (NEW).]
4.  Other benefits.
If an insurer includes any prescription, wellness or noninsurance benefits in the pet insurance policy form, those benefits become part of the pet insurance policy contract and the provision of those benefits must follow all applicable laws in this Title and any rules adopted pursuant to those laws.
[PL 2021, c. 562, §1 (NEW).]
5.  Participation in wellness program.
An insurer may not condition a person's eligibility to purchase a pet insurance policy on participation, or lack of participation, in a separate wellness program.
[PL 2021, c. 562, §1 (NEW).]
SECTION HISTORY
PL 2021, c. 562, §1 (NEW).