{"data":{"id":"us-id/idaho-code-28-44-110","jurisdiction":"us-id","citation":"Idaho Code § 28-44-110","heading":"Charge for insurance in connection with a deferral, refinancing, or consolidation — Duplicate charges.","body":"(1) A creditor may not contract for or receive a separate charge for insurance in connection with a deferral, section 28-42-302, Idaho Code, a refinancing, section 28-42-303, Idaho Code, or a consolidation, section 28-42-304, Idaho Code, unless:\n(a) The debtor agrees at or before the time of the deferral, refinancing, or consolidation that the charge may be made;\n(b) The debtor is or is to be provided with insurance for an amount or a term, or insurance of a kind, in addition to that to which he would have been entitled had there been no deferral, refinancing, or consolidation;\n(c) The debtor receives a refund or credit on account of any unexpired term of existing insurance in the amount that would be required if the insurance were terminated, section 28-44-108, Idaho Code; and\n(d) The charge does not exceed the amount permitted by this chapter, section 28-44-107, Idaho Code.\n(2) A creditor may not contract for or receive a separate charge for insurance which duplicates insurance with respect to which the creditor has previously contracted for or received a separate charge.","path":["TITLE 28 COMMERCIAL TRANSACTIONS","CHAPTER 44 INSURANCE","PART 1. INSURANCE IN GENERAL"],"source_url":"https://legislature.idaho.gov/statutesrules/idstat/title28/t28ch44/sect28-44-110/","current_through":"2026 Legislative Session","vintage":"","retrieved_at":"2026-09-04T11:18:26Z","sha256":"d89d76b743610c8a9d49df104163f166b1a39f199ca8f2409dff0de43d97a051","source_id":"us-id","stale":false,"prev":"us-id/idaho-code-28-44-109","next":"us-id/idaho-code-28-44-111"},"notice":"GroundRules: Original legal text. Not legal advice."}