Admitted P&C filing requirements by state

All personal-lines P&C form filings use the Prior Approval System: the form must be submitted and formally approved before use.

Commercial P&C forms generally use the File and Use System and must be filed on or before the date the insurer uses them.

All rate and form filings for commercial workers' compensation and medical malpractice use the Prior Approval System and require formal approval before use.

A commercial rate filing seeking an overall increase of 10% or more is prior approval. Current DOI guidance also treats a proposal that combines with an earlier increase to exceed 10% in less than 12 months as ineligible for file-and-use.

Ordinary commercial rates and rules are filed on or before use under Alabama's commercial file-and-use regime.

All personal P&C rate and rule filings require formal approval before use.

Commercial workers compensation and medical-malpractice rates and rules require formal approval before use.

The filer generally may elect prior approval and must identify that method. A prior-approval filing is made at least 30 days before the effective date and deems approved after 30 days unless disapproved; the director may extend the period once by up to 30 days.

The filer generally may elect file-and-use. The filing has a fixed 30-day waiting period and may be extended once for 30 additional days by the filer or Division. Unresolved filings are disapproved or withdrawn rather than held indefinitely.

If the filer selects file-and-use but omits the signed compliance certificate the Division treats the filing as prior approval.