Section 176.00. Insurance fraud; definition of terms

The following definitions are applicable to this article:
    1.  "Insurance  policy" has the meaning assigned to insurance contract
  by subsection (a) of  section  one  thousand  one  hundred  one  of  the
  insurance  law  except it shall include reinsurance contracts, purported
  insurance policies and purported reinsurance contracts.
    2. "Statement" includes, but is not limited to, any notice,  proof  of
  loss,  bill  of  lading, invoice, account, estimate of property damages,
  bill for services, diagnosis, prescription, hospital or doctor  records,
  x-ray, test result, and other evidence of loss, injury or expense.
    3. "Person" includes any individual, firm, association or corporation.
    4. "Personal insurance" means a policy of insurance insuring a natural
  person against any of the following contingencies:
    (a)  loss  of  or  damage  to  real  property  used  predominantly for
  residential purposes and which consists of not more than  four  dwelling
  units, other than hotels, motels and rooming houses;
    (b)  loss  of  or damage to personal property which is not used in the
  conduct of a business;
    (c) losses or liabilities arising out of the ownership, operation,  or
  use of a motor vehicle, predominantly used for non-business purposes;
    (d)  other liabilities for loss of, damage to, or injury to persons or
  property, not arising from the conduct of a business;
    (e) death, including death by personal injury, or the continuation  of
  life,  or  personal injury by accident, or sickness, disease or ailment,
  excluding insurance providing disability benefits  pursuant  to  article
  nine of the workers' compensation law.
    A policy of insurance which insures any of the contingencies listed in
  paragraphs  (a)  through  (e)  of  this  subdivision  as  well  as other
  contingencies shall be personal insurance if that portion of the  annual
  premium  attributable  to  the listed contingencies exceeds that portion
  attributable to other contingencies.
    5.  "Commercial  insurance"  means  insurance  other   than   personal
  insurance,   and  shall  also  include  insurance  providing  disability
  benefits pursuant to article nine  of  the  workers'  compensation  law,
  insurance  providing  workers'  compensation  benefits  pursuant  to the
  provisions of the workers' compensation law  and  any  program  of  self
  insurance providing similar benefits.