Admitted P&C filing requirements by state

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.

A covered rate change requires prior approval. Section 1861.05 contains a 60-day post-public-notice provision and a separate 180-day receipt-based deemer subject to hearing and extraordinary-circumstance rules.

Colorado exempts qualifying exempt-commercial-policyholder business from specified rate filing approval and form certification requirements. Regulation 5-1-13 requires disclosures certifications and records for use of unfiled rates and forms.

A private-passenger auto insurer must list and certify each new covered form at least 31 days before use. A commercial-auto policy with an individually-owned private-passenger-auto-type endorsement follows the same certification requirements.

DISB describes ordinary P&C rates and rules as file-and-use. Current law requires filing and permits investigation and prospective adjustment while treating rates as compliant pending investigation and order.

A private passenger/non-commercial motor vehicle or homeowners rate must be filed and cannot become effective until the 90-day review period runs or the commissioner acts. If no determination is made within 90 days the rate is deemed approved.

Medical-malpractice rates are prior approval. An application is deemed approved 60 days after public notice unless the increase exceeds 10%; increases above 10% require a hearing and an order within 90 days after public notice.

Commercial motor vehicle rate changes use the statutory post-effective filing/notice process within 30 days after effectiveness.

Rates for mandatory minimum private-passenger-auto coverage are subject to prior approval with a 45-day deemer; the commissioner may extend review for up to 55 additional days.

The filing may become effective 60 days after filing without affirmative approval or earlier if authorized. The insurer may instead elect the prior-approval process.