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.

An exempt-commercial form is submitted as an informational filing no later than 30 days after the proposed effective date.

An eligible cumulative rate-level increase or decrease of no more than 10 percent during the statutory 12-month measurement period may take effect on the date specified in the filing but not before the Division receives it.

Ordinary rate and rule material follows Alaska's file-and-use regime; a filing outside the flex bands has a 30-day pre-effective filing period.