§2174. Illegal dealing in premiums; excess charges for insurance
1. No person shall knowingly collect any sum as premium or charge for insurance, which insurance is not then provided or is not in due course to be provided, subject to acceptance of the risk by the insurer, by an insurance policy issued by an insurer as authorized by this Title.
[PL 1969, c. 132, §1 (NEW).]
2. No person shall willfully collect as premium or charge for insurance any sum in excess of the premium or charge applicable to such insurance, and as specified in the policy, in accordance with the applicable classifications and rates as filed with and approved by the superintendent; or, in cases where classifications, premiums, or rates are not required by this Title to be so filed and approved, such premiums and charges shall not be in excess of those specified in the policy and as fixed by the insurer. This provision shall not be deemed to prohibit the charging and collection, by surplus lines brokers licensed under chapter 19, of the amount of applicable state and federal taxes and nominal service charge to cover communication expenses, in addition to the premium required by the insurer. This provision shall not be deemed to prohibit the charging and collection, by a life insurer, of amounts actually to be expended for medical examination of an applicant for life insurance or for reinstatement of a life insurance policy.
[PL 1973, c. 585, §12 (AMD).]
SECTION HISTORY
PL 1969, c. 132, §1 (NEW). PL 1973, c. 585, §12 (AMD).
Structure Maine Revised Statutes
TITLE 24-A: MAINE INSURANCE CODE
Chapter 23: TRADE PRACTICES AND FRAUDS
24-A §2152. Unfair methods; deceptive acts prohibited
24-A §2152-A. Life insurance solicitation
24-A §2152-B. Unfair solicitation methods
24-A §2153. Misrepresentation; false advertising of policies
24-A §2154. False information; advertising
24-A §2155. "Twisting" prohibited
24-A §2155-A. Dumping prohibited
24-A §2156. False or misleading financial statements
24-A §2158. Boycott, coercion and intimidation
24-A §2159. Unfair discrimination -- life insurance, annuities and health insurance
24-A §2159-A. Insurance discrimination solely on account of blindness prohibited
24-A §2159-B. Discrimination against victims of domestic abuse prohibited
24-A §2159-C. Discrimination on the basis of genetic information or testing
24-A §2159-E. Discrimination against naloxone hydrochloride purchases prohibited in life insurance
24-A §2160. Rebates -- life, health and annuity contracts
24-A §2162. Unfair discrimination, rebates prohibited -- property, casualty, surety insurance
24-A §2162-A. Payment of dividend conditioned upon renewal; unfair trade practice
24-A §2163. Receipt of rebate, illegal inducement prohibited
24-A §2163-A. Permitted activities
24-A §2164. Stock operations and advisory board contracts
24-A §2164-A. Direct billing, notice
24-A §2164-B. Conflicts of interest in appraisals (REPEALED)
24-A §2164-C. Free competition
24-A §2164-D. Unfair claims practices
24-A §2164-E. Disclosure of coverage limits to claimant; penalty
24-A §2165. Desist orders for prohibited practices (REPEALED)
24-A §2166. Procedures as to undefined practices (REPEALED)
24-A §2167. Service upon unauthorized insurers
24-A §2167-A. Notice to domiciliary supervisory official
24-A §2168. Coercion in requiring insurance
24-A §2168-A. Tie-in sales of insurance
24-A §2168-B. Solicitation or negotiation involving purchasers or borrowers
24-A §2169. Notice of free choice of agent or insurer
24-A §2169-A. Confidentiality of insurance information obtained by lenders
24-A §2169-B. Use of consumer reports in insurance underwriting
24-A §2170. Certain fees for handling insurance transactions in connection with loans prohibited
24-A §2171. Using insurance information to detriment of another
24-A §2172. Fictitious groups prohibited
24-A §2173. Interlocking ownership; management
24-A §2174. Illegal dealing in premiums; excess charges for insurance
24-A §2174-A. Public works employees' insurance rates
24-A §2174-B. Law enforcement officers' and emergency responders' insurance rates
24-A §2175. Insurer's ownership of funeral establishment or cemetery prohibited
24-A §2176. Funeral and burial service contracts prohibited
24-A §2177. Insurer name -- deceptive use prohibited
24-A §2178. False applications, claims, proofs of loss; penalty
24-A §2179. Inquests into insurance frauds
24-A §2180. Unfair and coercive insurance requirements
24-A §2183. Immunity from liability (REPEALED)
24-A §2184. Credit card charges of insurance purchases (REPEALED)
24-A §2185. Calculation of health benefits based on actual cost
24-A §2186. Insurance fraud prevention
24-A §2187. Insurance fraud reporting immunity
24-A §2188. Permitted activities of insurance producers; navigators; requirements
24-A §2189. Requirements related to enrollment in health plans