Admitted P&C filing requirements by state

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.

Delaware classifies forms as file-and-use with authority to disapprove. The form must be filed at least 30 days before delivery; it becomes effective after 30 days if not disapproved or earlier if affirmatively acknowledged. The commissioner may extend review by up to 30 days.

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.

A form may not be delivered or issued for delivery until filed and approved. File at least 60 days before delivery; the form deems approved at 60 days unless acted on and the commissioner may extend once for up to 30 days by timely notice.

Covered forms must be filed electronically at least 30 days before delivery and are deemed approved if the superintendent does not act within 30 days; earlier approval waives the remainder.

A covered form must be filed and approved at least 60 days before delivery. It deems approved after 60 days without action but the clock is tolled while requested information is outstanding; the insurer must give a separate notice at least 10 days before market use when relying on the deemer.