reglab/statecodes huggingface dataset:
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-6.1 - Lender-Placed Insurance › Section 27-6.1-10. - Enforcement and judicial review.

§ 27-6.1-10. Enforcement and judicial review.
The commissioner shall have all rights and powers to enforce the provisions of this chapter as provided by § 42-14-16. All proceedings, including judicial review, shall be conducted in accordance with the administrative procedures act, chapter 35 of title 42. Any penalties shall be assessed in accordance with § 42-14-16.
History of Section.
P.L. 2022, ch. 404, § 7, effective June 30, 2022; P.L. 2022, ch. 405, § 7, effective June 30, 2022.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-6.1 - Lender-Placed Insurance › Section 27-6.1-11. - Regulatory authority.

§ 27-6.1-11. Regulatory authority.
The commissioner may, after notice and hearing, promulgate reasonable regulations and orders to carry out and effectuate the provisions of this chapter.
History of Section.
P.L. 2022, ch. 404, § 7, effective June 30, 2022; P.L. 2022, ch. 405, § 7, effective June 30, 2022.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-6.1 - Lender-Placed Insurance › Section 27-6.1-12. - Severability provisions.

§ 27-6.1-12. Severability provisions.
If any provision of this chapter, or the application of the provision to any person or circumstance, is for any reason held to be invalid, the remainder of the chapter and the application of such provision to other persons or circumstances shall not be affected thereby.
History of Section.
P.L. 2022, ch. 404, § 7, effective June 30, 2022; P.L. 2022, ch. 405, § 7, effective June 30, 2022.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-7 - Liability Insurance › Section 27-7-1. - Direct liability of insurer to person injured.

§ 27-7-1. Direct liability of insurer to person injured.
Every policy written insuring against liability for property damage or personal injuries or both, and every policy written indemnifying any person by reason of that liability, other than the payment of compensation under chapters 29 — 38 of title 28, shall contain provisions to the effect that the insurer shall be directly liable to the injured party and, in the event of that party’s death, to the party entitled to sue for that death, to pay that party the amount of damages for which the insured is liable.
History of Section.
P.L. 1921, ch. 2094, § 1; G.L. 1923, ch. 258, § 7; P.L. 1936, ch. 2422, § 1; G.L. 1938, ch. 155, § 1; G.L. 1956, § 27-7-1.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-7 - Liability Insurance › Section 27-7-2. - Remedies of injured party against insurer.

§ 27-7-2. Remedies of injured party against insurer.
An injured party, or, in the event of that party’s death, the party entitled to sue for that death, in his or her suit against the insured, shall not join the insurer as a defendant. If the officer serving any process against the insured shall return that process “non est inventus,” or where before suit has been brought and probate proceedings have not been initiated the insured has died, or where a suit is pending against an insured in his or her own name and the insured died prior to judgment, or where a nonresident had been involved in an automobile accident in Rhode Island as an operator or owner and died before suit has been brought, the injured party, and, in the event of that party’s death, the party entitled to sue for that death, may proceed directly against the insurer. The injured party, or, in the event of that party’s death, the party entitled to sue for that death, after having obtained judgment against the insured alone, may proceed on that judgment in a separate action against the insurer; provided, the payment in whole or in part of the liability by either the insured or the insurer shall, to the extent of the payment, be a bar to recovery against the other of the amount paid. The time limitations for filing such actions shall be governed by the provisions of § 9-1-14 as appropriate, including, but not limited to, any extension of the statute of limitations for injuries to the person provided by § 9-1-14(c).
History of Section.
P.L. 1921, ch. 2094, § 1; G.L. 1923, ch. 258, § 7; P.L. 1936, ch. 2422, § 1; G.L. 1938, ch. 155, § 1; G.L. 1956, § 27-7-2; P.L. 1972, ch. 188, § 1; P.L. 1973, ch. 205, § 1; P.L. 2009, ch. 123, § 2; P.L. 2009, ch. 142, § 2.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-7 - Liability Insurance › Section 27-7-2.2. - Interest on judgment — Payment by insurer.

§ 27-7-2.2. Interest on judgment — Payment by insurer.
In any civil action in which the defendant is covered by liability insurance and in which the plaintiff makes a written offer to the defendant’s insurer to settle the action in an amount equal to or less than the coverage limits on the liability policy in force at the time the action accrues, and the offer is rejected by the defendant’s insurer, then the defendant’s insurer shall be liable for all interest due on the judgment entered by the court even if the payment of the judgment and interest totals a sum in excess of the policy coverage limitation. This written offer shall be presumed to have been rejected if the insurer does not respond in writing within a period of thirty (30) days.
History of Section.
P.L. 1981, ch. 55, § 1; P.L. 1993, ch. 255, § 2.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-7 - Liability Insurance › Section 27-7-2.3. - Insurance rate adjustment.

§ 27-7-2.3. Insurance rate adjustment.
The insurer shall be responsible for maintaining records of all judgments entered by the court that require the insurer to pay an amount in excess of a policy coverage limitation due to the failure of the insurer to settle a civil action in accordance with the provisions of § 27-7-2.2. No payments made by the insurer in excess of a policy coverage limitation shall be incorporated or used by the insurer in any subsequent rate adjustment on affected liability lines of insurance.
History of Section.
P.L. 1981, ch. 55, § 1.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-7 - Liability Insurance › Section 27-7-2.4. - Direct action against insurer upon filing for bankruptcy.

§ 27-7-2.4. Direct action against insurer upon filing for bankruptcy.
Any person, having a claim because of damages of any kind caused by the tort of any other person, may file a complaint directly against the liability insurer of the alleged tortfeasor seeking compensation by way of a judgment for money damages whenever the alleged tortfeasor files for bankruptcy, involving a chapter 7 liquidation, a chapter 11 reorganization for the benefit of creditors or a chapter 13 wage earner plan, provided that the complaining party shall not recover an amount in excess of the insurance coverage available for the tort complained of.
History of Section.
P.L. 1983, ch. 169, § 1; P.L. 1989, ch. 542, § 75; P.L. 1994, ch. 134, § 11; P.L. 1998, ch. 230, § 1.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-7 - Liability Insurance › Section 27-7-2.5. - Minimum coverage — Medical payments.

§ 27-7-2.5. Minimum coverage — Medical payments.
(a)
No policy insuring against loss resulting from liability imposed by law, or for injuries caused by a motor vehicle collision or for injuries arising out of the ownership, maintenance, or use of a motor vehicle, shall be delivered or issued in this state unless coverage is provided in the policy for medical payments in an amount of not less than twenty-five hundred dollars ($2,500) for each individual and five thousand dollars ($5,000) aggregate for the protection of persons injured regardless of the fault of the injured person; provided, that the named insured shall have the right to reject that coverage in writing.
(b)
The insurer or any affiliated insurer shall be required to notify the policy holder in any renewal policy as to the availability of medical payments coverage. Unless the insured named in the policy requests medical payments coverage in writing, that coverage need not be provided in any subsequent policy issued by the same insurer or any affiliate for motor vehicles owned by the named insured, including, but not limited to, renewal, reinstatement, substitute, amended, modified, transfer, or replacement policies where the named insured has rejected the coverage in connection with the policy previously issued to the insured by the same insurer or an affiliate.
History of Section.
P.L. 1985, ch. 424, § 1; P.L. 1987, ch. 573, § 1; P.L. 2009, ch. 303, § 3; P.L. 2009, ch. 304, § 3.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-7 - Liability Insurance › Section 27-7-3. - Applicability.

§ 27-7-3. Applicability.
All policies described in this chapter shall be deemed to be made subject to the provisions of this chapter, and all provisions of policies inconsistent with this chapter shall be void.
History of Section.
P.L. 1921, ch. 2094, § 1; G.L. 1923, ch. 258, § 7; P.L. 1936, ch. 2422, § 1; G.L. 1938, ch. 155, § 1; G.L. 1956, § 27-7-3.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-7 - Liability Insurance › Section 27-7-4. - Information to policyholder.

§ 27-7-4. Information to policyholder.
Whenever an insurer pays a property damage or personal injury claim under the provisions of policies written pursuant to this chapter, the insurer upon the request of the policyholder must notify the policy holder of the amount of the claim paid.
History of Section.
P.L. 1986, ch. 62, § 1.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-7 - Liability Insurance › Section 27-7-5. - Information to injured party.

§ 27-7-5. Information to injured party.
Any insurance company doing business in this state shall reveal to an injured party making a claim against an insured the amount of the limits of liability coverage upon receiving a request in writing for that information from the injured party or his or her attorney. A reply shall be made within fourteen (14) days of receiving the request.
History of Section.
P.L. 1989, ch. 215, § 1.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-7 - Liability Insurance › Section 27-7-6. - Rental vehicle coverage.

§ 27-7-6. Rental vehicle coverage.
(a)
For liability assumed under a written contract, coverage shall be provided under the property damage liability section of an insured’s private passenger automobile insurance policy. Property damage coverage shall extend to a rented motor vehicle, under ten thousand pounds (10,000 lbs.), without regard to negligence for a period not to exceed sixty (60) consecutive days.
(b)
Coverage pursuant to subsection (a) shall apply to all collision and comprehensive type losses.
(c)
Whenever liability is accepted by an insurance company involving an accident that results in their insured’s causing a total loss of the other party’s vehicle, the at-fault carrier shall extend coverage for a rental vehicle for not less than an additional seven (7) days after the aggrieved party receives the total loss property damage check.
(d)
Coverage shall be provided for loss of use of the rental motor vehicle; provided, that a claim for loss of use of a rental vehicle shall be limited to the reasonable time to repair or replace the rental vehicle, and shall be no less than the daily rental rate set forth in the rental agreement. To establish loss of use, the rental car company shall demonstrate that the rental vehicle sustained damage, regardless of fault, requires repair, and will be out of service for the period of time determined by a Rhode Island licensed auto appraiser or adjuster. In the case of a total loss, loss of use payments shall be made up until the time the vehicle owner receives the property damage payment for the total loss. Coverage for loss of use of a rented motor vehicle shall be provided regardless of fleet utilization.
History of Section.
P.L. 2004, ch. 54, § 1; P.L. 2004, ch. 59, § 1; P.L. 2021, ch. 260, § 1, effective July 14, 2021; P.L. 2021, ch. 265, § 1, effective July 14, 2021; P.L. 2023, ch. 369, § 1, effective June 27, 2023; P.L. 2023, ch. 370, § 1, effective June 27, 2023.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-7 - Liability Insurance › Section 27-7-7. - Written notice to claimants of payment of claim in settlements.

§ 27-7-7. Written notice to claimants of payment of claim in settlements.
Upon payment of five thousand dollars ($5,000) or more in settlement of any liability claim, the insurer shall cause written notice of the payment to be mailed to the claimant, at the same time payment is made by the insurer or its representative, including the insurer’s attorney, to the claimant’s attorney or other representative of the claimant by draft, check, or otherwise.
History of Section.
P.L. 2005, ch. 69, § 3; P.L. 2005, ch. 79, § 3.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-7.1 - Workers’ Compensation Insurance › Section 27-7.1-1. - Applicability.

§ 27-7.1-1. Applicability.
The provisions set forth in this chapter shall apply to approval of insurance policies and rates by the director of the department of business regulation, referred to in this chapter as “the director.”
History of Section.
P.L. 1985, ch. 365, § 18.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-7.1 - Workers’ Compensation Insurance › Section 27-7.1-2. - Approval of policies.

§ 27-7.1-2. Approval of policies.
(a)
Every insurance company issuing workers’ compensation insurance policies covering the payment of compensation and benefits provided for in this chapter shall file with the director:
(1)
A copy of the form of the policies. A policy may not be issued until the director has approved the form; and
(2)
Its classification of risks and their premium rates and any subsequent proposed classifications and premium rates, which may not take effect until the expiration of sixty (60) days from the date the director has approved them.
(b)
Premium rates less than those approved may be used and filed with the director. If the director has reason to believe that the filing produces rates that are inadequate or unfairly discriminatory, the director may disapprove them.
(c)
Any policy forms, subject to this chapter and filed by an insurer or rating organization on behalf of its members or subscribers with the director, shall be deemed public information at the time of the filing; and the director shall furnish the policy forms and all pertinent information as to the policy forms, upon written request, to any insured, to any authorized representative of an insured, to any insurance company trade association, or to any trade association of insurance producers.
History of Section.
P.L. 1985, ch. 365, § 18; P.L. 1990, ch. 500, § 1; P.L. 1992, ch. 267, § 1; P.L. 1998, ch. 148, § 2.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-7.1 - Workers’ Compensation Insurance › Section 27-7.1-4.1. - Standards for approval of rates.

§ 27-7.1-4.1. Standards for approval of rates.
The director shall apply the following standards in making rates:
(1)
Rates shall not be excessive, inadequate, or unfairly discriminatory.
(2)
Due consideration shall be given to: (i) past and prospective loss experience within and outside the state; (ii) a reasonable margin for profits and contingencies; (iii) dividends, savings, or unabsorbed premium deposits allowed or returned by insurers to their policyholders, members, or subscribers; (iv) past and prospective expenses both countrywide and those specifically applicable to this state; (v) provisions for special assessments; and (vi) all other relevant factors within and outside this state. In determining the reasonableness of the profit, consideration shall be given to investment income.
(3)
Risks may be grouped by classifications for the establishment of rates and minimum premiums. Classification rates may be modified to produce rates for individual risks in accordance with rating plans that establish standards for measuring variations in hazards or expense provisions, or both. These standards may measure any differences among risks that can be demonstrated to have a probable effect upon losses or expenses.
History of Section.
P.L. 1998, ch. 148, § 3.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-7.1 - Workers’ Compensation Insurance › Section 27-7.1-6.1. - Disapproval of rates.

§ 27-7.1-6.1. Disapproval of rates.
(a)
If within the waiting period or any extension of the waiting period as provided in § 27-7.1-5.1(c) the director finds that a filing does not meet the requirements of this chapter, a written order of disapproval shall be sent to the insurer or advisory organization, specifying in the order the reasons the filing fails to meet the requirements of this chapter and stating that the filing shall not become effective. If a filing is disapproved by the director, the insurer or advisory organization may request a hearing on the disapproval within thirty (30) days of the date of the order of disapproval and the director shall schedule the hearing within thirty (30) days of the receipt of the request. The insurer bears the burden of proving compliance with the standards established by this chapter.
(b)
If at any time after a rate has been approved, the director finds that the rate no longer meets the requirements of this chapter, the director may order the discontinuance of use of that rate. The order of discontinuance may be issued after a hearing with at least thirty (30) days prior notice to all insurers affected by the order. The order must be in writing and state the grounds for the order. The order shall also specify when, within a reasonable time after this, the filing will be deemed no longer effective. The order shall not affect any contract or policy made or issued prior to the expiration of the period set forth in the order. The director’s order may include a provision for a premium adjustment for contracts or policies made or issued after the effective date of the order.
History of Section.
P.L. 1998, ch. 148, § 3.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-7.1 - Workers’ Compensation Insurance › Section 27-7.1-6.2. - Consent to rate.

§ 27-7.1-6.2. Consent to rate.
Notwithstanding any other provision of this chapter, upon the written consent of the insured, filed with the director, a rate in excess of the rate determined in accordance with the other provisions of this chapter may be used on any specific risk.
History of Section.
P.L. 1998, ch. 148, § 3.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-7.1 - Workers’ Compensation Insurance › Section 27-7.1-7.1. - Information to be furnished insureds.

§ 27-7.1-7.1. Information to be furnished insureds.
Every advisory organization and every insurer shall, within a reasonable time after receiving a written request, furnish to any insured affected by a rate made by the insurer, or the authorized representative of the insured, all pertinent information as to that rate.
History of Section.
P.L. 1998, ch. 148, § 3.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-7.1 - Workers’ Compensation Insurance › Section 27-7.1-7.2. - Repealed.

§ 27-7.1-7.2. Repealed.
History of Section.
P.L. 1992, ch. 31, § 25; Repealed by P.L. 2011, ch. 158, § 3, effective June 30, 2011; P.L. 2011, ch. 274, § 3, effective July 12, 2011.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-7.1 - Workers’ Compensation Insurance › Section 27-7.1-8.1. - Services of advisory organizations.

§ 27-7.1-8.1. Services of advisory organizations.
(a)
No advisory organization shall provide any service relating to the rates subject to this chapter, and no insurer shall utilize the services of that organization for those purposes, unless the organization has obtained a license pursuant to § 27-9-22.
(b)
No advisory organization shall refuse to supply any services for which it is licensed in this state to any insurer authorized to do business in this state and offering to pay the fair and usual compensation for the services.
History of Section.
P.L. 1998, ch. 148, § 3.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-7.1 - Workers’ Compensation Insurance › Section 27-7.1-9.1. - Membership in rating organization.

§ 27-7.1-9.1. Membership in rating organization.
(a)
The director shall appoint one or more advisory organizations licensed in accordance with § 27-9-22 to assist the director in gathering, compiling, and reporting relevant statistical information. Every workers’ compensation insurer shall record and report its workers’ compensation experience to the advisory organization as set forth in the uniform statistical plans submitted by the advisory organization to the director.
(b)
Except for corporations organized under chapter 7.2 of this title, each workers’ compensation insurer shall be a member of an advisory organization. Each workers’ compensation insurer may adhere to the policy terms filed by the advisory organization.
(c)
Every workers’ compensation insurer shall adhere to the uniform classification system and uniform experience rating plan as submitted to the director and which is presently in effect. The experience rating plan shall be the exclusive means of providing prospective premium adjustments based upon measurement of the loss-producing characteristics of an individual insured.
(d)
Subject to the approval of the director, the advisory organization shall develop and file rules reasonably related to the recording and reporting of data pursuant to the uniform statistical plan, uniform experience rating plan, and the uniform classification system.
(e)
The advisory organization shall not adopt any rule that would prohibit or regulate the payment of dividends, savings, or unabsorbed premium deposits allowed or returned by insurers to their policyholders, members, or subscribers. A plan for the payment of dividends, savings, or unabsorbed premium deposits allowed or returned by insurers to their policyholders is not considered a rating plan or system.
History of Section.
P.L. 1998, ch. 148, § 3.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-7.1 - Workers’ Compensation Insurance › Section 27-7.1-10.1. - Procedural rules — Rate administration — Consultation with other states.

§ 27-7.1-10.1. Procedural rules — Rate administration — Consultation with other states.
(a)
Subject to the applicable requirements of the Administrative Procedures Act, chapter 35 of title 42, the director may adopt rules and regulations for:
(1)
The administration of this chapter, including, but not limited to, procedures governing submission of petitions for intervenor status, prefiling of testimony and exhibits, information requests, subpoenas, prehearing conferences, and the conduct of hearings;
(2)
Use by insurers to record and report to the director their rates;
(3)
Use by insurers in the recording and reporting of loss and expense experience, in order that the experience of all insurers may be made available at least annually in the form and detail necessary to aid in determining whether rating systems comply with the standards set forth in § 27-7.1-4. The director may designate an advisory organization or other entity to assist in gathering that experience and making compilations of it, and the compilations shall be public records;
(4)
The interchange of data necessary for the application of rating plans;
(b)
In order to further the administration of this chapter, the director and every insurer and advisory organization may exchange information and experience data with insurance supervisor officials, insurers, and advisory organizations in other states and may consult with them with respect to the application of rating systems.
(c)
Cooperation among advisory organizations or among advisory organizations and insurers in ratemaking or in other matters within the scope of this chapter is authorized, but the filings resulting from that cooperation are subject to all the provisions of this chapter. The director may review these cooperative activities and practices and if, after a hearing, any activity or practice is found to violate the provisions of this chapter, a written order may be issued specifying that the activity or practice violates the provisions of this chapter and requiring the discontinuance of the activity.
History of Section.
P.L. 1998, ch. 148, § 3.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-7.1 - Workers’ Compensation Insurance › Section 27-7.1-11.1. - Challenge and review of application of rating system.

§ 27-7.1-11.1. Challenge and review of application of rating system.
(a)
An advisory organization and every insurer subject to this chapter that makes its own rate shall provide within this state reasonable means where any person aggrieved by the application of its rating system may upon that person’s or the person’s authorized representative’s written request to review the manner in which the rating system has been applied in connection with the insurance afforded the aggrieved person.
(b)
Any party affected by the action of an advisory organization or the insurer may, within thirty (30) days after written notice of that action, make application, in writing, for an appeal to the director, setting forth the basis for the appeal and the grounds to be relied upon by the applicant. If the advisory organization or insurer fails to grant or reject the request within thirty (30) days after it is made, the applicant may proceed in the same manner as if the application has been rejected.
(c)
The director shall review the application and, if the director finds that the application is made in good faith and that it sets forth on its face grounds that reasonably justify holding a hearing, the director shall conduct a hearing held not less than ten (10) days after written notice to the applicant and to an advisory organization or insurer. The director, after a hearing, shall affirm or reverse the action of an advisory organization or insurer.
(d)
If, after a hearing held under this section, it is determined that the rates charged by an insurer are in excess of the appropriate rate, the overcharge shall be refunded to the insured.
History of Section.
P.L. 1998, ch. 148, § 3; P.L. 2022, ch. 404, § 3, effective June 30, 2022; P.L. 2022, ch. 405, § 3, effective June 30, 2022.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-7.1 - Workers’ Compensation Insurance › Section 27-7.1-12.1. - Acts reducing competition prohibited.

§ 27-7.1-12.1. Acts reducing competition prohibited.
(a)
In this section, “insurer” includes two (2) or more affiliated insurers: (1) under common management; or (2) under common controlling ownership or under common effective legal control and in fact engaged in joint or cooperative underwriting, investment management, marketing, servicing, or administration of their business and affairs as insurers.
(b)
Neither the advisory organization nor any insurer may:
(1)
Monopolize, attempt to monopolize, or combine or conspire with any other person or persons to monopolize the business of insurance of any kind, subdivision, or class;
(2)
Agree with any other insurer or the advisory organization to charge or adhere to any rate or rating plan other than the uniform experience rating plan or rating rule except as needed to comply with the requirements of § 27-7.1-10 [Repealed];
(3)
Make an agreement with any other insurer, the advisory organization, or other person to unreasonably restrain trade or substantially lessen competition in the business of insurance of any kind, subdivision, or class; or
(4)
Make any agreement with any other insurer or the advisory organization to refuse to deal with any person in connection with the sale of insurance.
(c)
The fact that two (2) or more insurers, whether or not members or subscribers to the advisory organization, use consistently or intermittently the same rules rating plans, rating schedules, rating rules, policy forms, rate classification, underwriting rules, surveys, inspections, or similar materials is not sufficient in itself to support a finding that an agreement exists.
(d)
The advisory organization and any member or subscriber of it may not interfere with the right of any insurer to make its rates independently of the advisory organization.
(e)
Except as required by § 27-7.1-10 [Repealed], the advisory organization may not have or adopt any rule or exact any agreement or formulate or engage in any program which would require any member, subscriber, or other insurer to:
(1)
Utilize some or all of its service;
(2)
Adhere to its rates, rating plan, rating systems, or underwriting rules; or
(3)
Prevent any insurer from acting independently.
History of Section.
P.L. 1998, ch. 148, § 3; P.L. 2008, ch. 475, § 77.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-7.1 - Workers’ Compensation Insurance › Section 27-7.1-13. - Costs.

§ 27-7.1-13. Costs.
For the purpose of determining whether the filing meets the requirements of this chapter, the director may employ staff personnel and outside consultants including, but not limited to, those authorized under § 27-9-52. The reasonable costs related to the review of workers’ compensation rate filings, including the conduct of the hearing, shall be borne by the rating organizations or insurers making the filing.
History of Section.
P.L. 1985, ch. 365, § 18.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-7.1 - Workers’ Compensation Insurance › Section 27-7.1-13.1. - False or misleading information.

§ 27-7.1-13.1. False or misleading information.
No person, firm, corporation, association, or organization shall willfully withhold information that will affect the rates or premiums chargeable under this chapter or knowingly give false or misleading information to the director, any statistical agency or advisory organization designed by the director or any insurer.
History of Section.
P.L. 1998, ch. 148, § 3.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-7.1 - Workers’ Compensation Insurance › Section 27-7.1-13.2. - Group workers’ compensation insurance.

§ 27-7.1-13.2. Group workers’ compensation insurance.
Nothing contained in this title shall be interpreted as preventing insurance companies, authorized to do business within this state, from offering workers’ compensation and employers’ liability insurance coverage to groups of employer beneficiaries.
History of Section.
P.L. 2005, ch. 175, § 2.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-7.1 - Workers’ Compensation Insurance › Section 27-7.1-18. - Examination of rating and advisory organizations and underwriting and reinsurance groups.

§ 27-7.1-18. Examination of rating and advisory organizations and underwriting and reinsurance groups.
(a)
The director may, as often as he or she may deem it necessary, make or cause to be made an examination of each rating organization licensed in this state as provided in § 27-9-22 and may also examine every group, association, or other organization of insurers, including any workers’ compensation assigned risk servicing carrier or carriers. The officers, managers, agents, and employees of each rating organization, group, association, or other organization of insurers, including workers’ compensation assigned risk servicing carrier or carriers, may be examined at any time under oath and shall exhibit all books, records, accounts, documents, or agreements governing its method of operation. In lieu of any examination, the director may accept the report of any examination made by the insurance supervisory official of another state, pursuant to the laws of that state.
(b)
The expenses of examinations under this section shall be assessed against the organization being examined. The total cost of the examination shall be borne by the examined organization and shall be in the same amount as provided for in § 27-13-1 and shall be paid to the director to and for the use of the state. This assessment for expenses shall be in addition to any taxes and fees payable to the state. In instances where the examination is performed by outside accountants, the expenses of the examination shall be borne by the examined organization.
History of Section.
P.L. 1992, ch. 31, § 25.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-7.1 - Workers’ Compensation Insurance › Section 27-7.1-19. - Midterm notice of cancellation.

§ 27-7.1-19. Midterm notice of cancellation.
Notwithstanding any general or special law to the contrary, a midterm notice of cancellation of a workers’ compensation policy shall be effective only if based on one or more of the following reasons: (1) nonpayment of premium; (2) fraud or material misrepresentation affecting the policy or insured; and/or (3) a substantial increase in the hazard insured against. Nothing in this section shall limit an insurer’s right to refuse to renew a workers’ compensation policy.
History of Section.
P.L. 1992, ch. 31, § 25.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-7.1 - Workers’ Compensation Insurance › Section 27-7.1-20. - Cost control — Insurers.

§ 27-7.1-20. Cost control — Insurers.
The director is authorized, at his or her discretion, to conduct audits and investigations to examine the insurer’s utilization of adequate programs to control costs or expenses or to collect the appropriate premium charges. On the basis of information submitted in any filing made pursuant to this chapter, or obtained from the department of labor and training and/or by independent investigation, the director shall make a finding whether or not the insurer or insurers employ cost control programs and techniques that meet the standards of the rating agency, or any other standards as may, after notice and a hearing, be approved by the director, which have had or are expected to have a substantial impact on fraudulent claim costs, unnecessary health care costs, and any other unreasonable costs and expenses, and on the collection of the appropriate premium charges owed to the insurer or insurers. If the director does not find adequate utilization of cost control, the director may impose an appropriate penalty not to exceed five percent (5%) of the insurer’s annual premium.
History of Section.
P.L. 1992, ch. 31, § 25.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-7.1 - Workers’ Compensation Insurance › Section 27-7.1-21. - Cost control — Insured.

§ 27-7.1-21. Cost control — Insured.
(a)
The director shall establish loss control standards for insured that meet criteria designed to identify those insured that would significantly benefit from the adoption of a program to control workers’ compensation costs. The criteria shall be established by the director and may include the number of persons employed by the insured, the amount of the insured’s annual payroll, the amount of the insured’s workers’ compensation insurance premium, the experience modifier of the insured, the class code of the insured, the injury and illness lost workday rate of the insured, and any other relevant criteria as the director may determine. The loss control standards may require that an insured, in cooperation with its insurer, establish and maintain a safety committee, prepare and maintain a plan for medical evaluation and treatment, including immediate post-injury offsite care, establish and maintain a written plan for providing reasonable accommodation for injured workers to return to work, and implement other cost control measures acceptable to the director. The director shall have the authority to establish a rating plan to effectuate compliance with the loss control standards established pursuant to this subsection. In establishing any rating plan, the director may create financial incentives to employees of insured to encourage the employees to assist in controlling workers’ compensation costs.
(b)
The director may promulgate rules and regulations as necessary to carry out the provisions of this section.
History of Section.
P.L. 1992, ch. 31, § 25.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-7.1 - Workers’ Compensation Insurance › Section 27-7.1-24. - Transition.

§ 27-7.1-24. Transition.
Insurers and an advisory organization are not required to immediately refile rates previously approved. For five (5) years after July 7, 1998, any member or subscriber of an advisory organization is authorized to continue to use all rates and deviations filed or approved for its use until the insurer makes its own filing to change its rates, either by making an independent filing and adopting an advisory organization’s approved prospective loss costs, or modifications of those loss costs. No advisory organization shall file, and the department of business regulation shall not accept a filing by an advisory organization, as to proposed changes in rates previously approved unless the filing shall include relevant data through July 7, 2003.
History of Section.
P.L. 1998, ch. 148, § 3; P.L. 2001, ch. 18, § 1; P.L. 2001, ch. 34, § 1.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-7.1 - Workers’ Compensation Insurance › Section 27-7.1-25. - Severability.

§ 27-7.1-25. Severability.
If any provision of this chapter or the application of this chapter to any person or circumstances is held invalid, the invalidity shall not affect other provisions or applications of the chapter, which can be given effect without the invalid provision or application, and to this end the provisions of this chapter are declared to be severable.
History of Section.
P.L. 1998, ch. 148, § 3.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-8 - Casualty Insurance Generally › Section 27-8-2. - Reinsurance by domestic companies.

§ 27-8-2. Reinsurance by domestic companies.
Domestic fire and marine insurance companies may affect reinsurance of any risks taken by them.
History of Section.
G.L. 1923, ch. 255, § 37; P.L. 1934, ch. 2111, § 1; G.L. 1938, ch. 150, § 36; P.L. 1940, ch. 855, § 1; G.L. 1956, § 27-8-2.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-8 - Casualty Insurance Generally › Section 27-8-3. - Reciprocal powers of foreign companies.

§ 27-8-3. Reciprocal powers of foreign companies.
Any insurance company of another state or country authorized to transact the business of fire or marine insurance, or both, in this state may, if, by the provisions of its charter or act of incorporation or articles of association, it has the power, and if similar companies of this state may transact the classes of insurance enumerated in § 27-8-1 and this section in the state or country of that company’s domicile, be authorized by the insurance commissioner to transact in this state the like classes of insurance.
History of Section.
G.L. 1938, ch. 150, § 36; P.L. 1940, ch. 855, § 1; impl. am. P.L. 1953, ch. 3174, § 5; G.L. 1956, § 27-8-3.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-8 - Casualty Insurance Generally › Section 27-8-4. - Classification of risks by mutual companies.

§ 27-8-4. Classification of risks by mutual companies.
Any mutual insurance company incorporated by this state and any mutual insurance company incorporated by any other state or country authorized to transact business in this state may classify the property and risks insured in it at the time of issuing policies on the property, and may issue policies upon that property and those risks under different rates of premium or premium deposit, corresponding as nearly as may be to the greater or lesser risk from the causes insured against and the loss which may attach to the several assumed risks, and the directors of any mutual insurance company may, by vote, fix and determine the percentage of dividend or unused or unabsorbed premium or premium deposit return to be paid or credited on expiring policies, which percentages may differ, following the different loss experience of different classes of risks of the same term. But all policies insuring risks in the same classification shall have an equal rate of dividend or return of unused or unabsorbed premium or premium deposit upon expiration, and in case of an assessment, the rate may be different for each different class of risks.
History of Section.
G.L. 1923, ch. 256, § 32; P.L. 1927, ch. 983, § 1; G.L. 1938, ch. 151, § 27; P.L. 1953, ch. 3174, § 4; G.L. 1956, § 27-8-4.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-8 - Casualty Insurance Generally › Section 27-8-5. - Nonassessable insurance by mutual companies.

§ 27-8-5. Nonassessable insurance by mutual companies.
A mutual company incorporated by this or any other state may also issue policies insuring property and risks in this state without the contingent mutual liability of the policyholders for assessment; provided, that it shall have at all times net assets over all liabilities of not less than one hundred thousand dollars ($100,000) and, if incorporated by this state, shall maintain a deposit with the general treasurer for the benefit and protection of all of its policyholders of at least one hundred thousand dollars ($100,000), or, if incorporated by any other state, it shall maintain that deposit in its home state, which deposit in each case shall be in cash or securities that are legal investments by that company in its home state.
History of Section.
G.L. 1938, ch. 151, § 27; P.L. 1953, ch. 3174, § 4; G.L. 1956, § 27-8-5.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-8 - Casualty Insurance Generally › Section 27-8-6. - Notice to mutual policyholders of dividend or unused premium.

§ 27-8-6. Notice to mutual policyholders of dividend or unused premium.
Every policyholder of a mutual fire insurance company incorporated by this state, and every policyholder of a mutual fire insurance company incorporated by any other state or country and authorized to transact business in this state, shall be notified at his or her last known address within six (6) months after the expiration of his or her policy of the amount of dividend or unused or unabsorbed premium or premium deposit return declared and payable on it, unless that dividend or unused or unabsorbed premium or premium deposit return has been paid in cash or credited to the policyholder or applied in payment of the premium or premium deposit on the renewal of his or her policy.
History of Section.
G.L. 1923, ch. 256, § 32; P.L. 1927, ch. 983, § 1; G.L. 1938, ch. 151, § 27; P.L. 1953, ch. 3174, § 4; G.L. 1956, § 27-8-6.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-8 - Casualty Insurance Generally › Section 27-8-7. - Terms to be stated in policy — Rebates prohibited.

§ 27-8-7. Terms to be stated in policy — Rebates prohibited.
No insurance corporation authorized to do any insurance business within this state, or any officer, insurance producer, or their representative, shall make any contract for insurance, on property or risks located within this state, or against any liability, casualty, accident, or hazard that may arise or occur in this state, or any agreement as to that contract, other than as plainly expressed in the policy issued or to be issued; nor shall any corporation, or officer, insurance producer, or their representative, directly or indirectly, in any manner, pay or allow or offer to pay or allow to the insured named in the policy or to any employee of the insured as an inducement to the insurance, or after the insurance has been effected, any rebate from the premium which is specified in the policy or any special favor or advantage in the dividends or other benefit to accrue on the policy; or any valuable consideration or inducement, not specified in the policy or contract of insurance, or give, sell, or purchase, as an inducement to the insurance, or in connection with it, any stock, bonds, or other securities of any insurance or other corporation or association, or any dividends or profits accrued on the stock, bonds, or securities, or anything of value, not specified in the policy; nor shall any insurance producer or representative, or any other person, directly or indirectly, either by sharing commissions or in any manner, pay or allow or offer to pay or allow to the insured named in the policy, or to any employee of the insured, as an inducement to the insurance, or after the insurance has been effected, any rebate from the premium which is specified in the policy. Nothing in this chapter shall prevent any corporation lawfully doing insurance business in this state from the distribution of surplus and dividends to policyholders, nor shall this chapter prevent any corporation, or its agent, from paying commissions to a licensed insurance producer who has negotiated for the insurance, nor shall it prevent any licensed insurance producer from sharing or dividing a commission earned or received by the insurance producer with any other licensed insurance producer, who has aided the insurance producer in respect to the insurance for the negotiation of which the commission has been earned or paid.
History of Section.
P.L. 1927, ch. 1051, § 1; G.L. 1938, ch. 157, § 1; G.L. 1956, § 27-8-7.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-8 - Casualty Insurance Generally › Section 27-8-8. - Privilege against self-incrimination.

§ 27-8-8. Privilege against self-incrimination.
No person shall be excused from attending and testifying or producing any books, papers, or other documents before any court upon any investigation, proceeding, or trial for a violation of any of the provisions of § 27-8-7, upon the ground or for the reason that the testimony or evidence, documentary or otherwise, required of that person may tend to convict him or her of a crime or subject him or her to a penalty of forfeiture; but no person shall be prosecuted or subjected to any penalty or forfeiture for or on account of any transaction, matter, or thing concerning which that person may testify or produce evidence, documentary or otherwise, and no given or produced testimony shall be received against that person upon any criminal investigation or proceeding.
History of Section.
P.L. 1927, ch. 1051, § 2; G.L. 1938, ch. 157, § 2; G.L. 1956, § 27-8-8.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-8 - Casualty Insurance Generally › Section 27-8-9. - Penalty for violations.

§ 27-8-9. Penalty for violations.
Any person or corporation violating any provision of §§ 27-8-7 and 27-8-8 shall, upon conviction, be punished by a fine not exceeding five hundred dollars ($500) or by imprisonment not exceeding one year, or both.
History of Section.
P.L. 1927, ch. 1051, § 4; G.L. 1938, ch. 157, § 4; G.L. 1956, § 27-8-9.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-8 - Casualty Insurance Generally › Section 27-8-10. - Life insurance and preexisting contracts.

§ 27-8-10. Life insurance and preexisting contracts.
Sections 27-8-7 to 27-8-9 shall not apply to any contract of life insurance nor shall it affect any contract existing on April 22, 1927.
History of Section.
P.L. 1927, ch. 1051, § 3; G.L. 1938, ch. 157, § 3; G.L. 1956, § 27-8-10.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-8 - Casualty Insurance Generally › Section 27-8-12. - Subrogation — Payment to insured of deductible.

§ 27-8-12. Subrogation — Payment to insured of deductible.
Whenever, through subrogation, an insurance company or its agent collects a casualty loss from a third party, that company or agent shall, from the funds collected, first pay to the insured the deductible portion of the casualty loss less the prorated share of subrogation expenses and only after this retain any funds in excess of the deductible portion of the recovery.
History of Section.
P.L. 1981, ch. 251, § 1.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-8 - Casualty Insurance Generally › Section 27-8-14. - Lost and salvage vehicle reporting.

§ 27-8-14. Lost and salvage vehicle reporting.
All casualty insurers licensed to do business in Rhode Island shall report all vehicle thefts within thirty (30) days of the theft and all salvage declarations to the National Insurance Crime Bureau (NICB), or a similar organization acceptable to the department, that maintains a central database of automobile theft and salvage.
History of Section.
P.L. 1983, ch. 221, § 11; P.L. 1992, ch. 258, § 1; P.L. 2001, ch. 122, § 6.