reglab/housing_qa huggingface dataset:
RI Gen L § 27-9-10 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-9 - Casualty Insurance Rating|Section 27-9-10 - Waiting period - Effective date of filings.

§ 27-9-10. Waiting period — Effective date of filings.Subject to the exception specified in § 27-9-9, each filing shall be on file for a waiting period of thirty (30) days before it becomes effective, which period may be extended by the commissioner for an additional period not to exceed thirty (30) days if the commissioner gives written notice within that waiting period to the insurer or rating organization which made the filing that he or she needs that additional time for the consideration of the filing. Upon written application by the insurer or rating organization, the commissioner may authorize a filing that the commissioner has reviewed to become effective before the expiration of the waiting period or any extension of it. A filing shall be deemed to meet the requirements of this chapter and to become effective unless disapproved as provided in this chapter by the commissioner within the waiting period or any extension of it; provided, that if the commissioner gives written notice to the insurer or rating organization within the waiting period or any extension that he or she will hold a hearing on the filing, the filing shall not become effective before or until the commissioner issues his or her decision. Upon giving that notice the commissioner shall also give public notice of the hearing by causing a notice to be published in a newspaper of general circulation in the state at least ten (10) days prior to the hearing stating the name of the insurer or rating organization which has made the filing and including a general description of the subject matter and sending a copy of that notice to the consumer protection unit of the department of attorney general. The commissioner shall hold a hearing on major filings. The hearing shall be held and a decision issued by the commissioner as soon as reasonably possible.History of Section.P.L. 1948, ch. 2089, § 4; G.L. 1956, § 27-9-10; P.L. 1968, ch. 286, § 2; P.L. 1971, ch. 252; P.L. 1998, ch. 441, § 19.
RI Gen L § 27-9-10.1 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-9 - Casualty Insurance Rating|Section 27-9-10.1 - Costs.

§ 27-9-10.1. Costs.For the purpose of determining whether the filing meets the requirements of this chapter, the director may employ staff personnel and outside consultants, including, but not limited to, those authorized pursuant to § 27-9-52. The reasonable costs related to the review of rate filings, including the conduct of the hearing, shall be borne by the rating organizations or insurers making the filing.History of Section.P.L. 2005, ch. 174, § 3.
RI Gen L § 27-9-11 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-9 - Casualty Insurance Rating|Section 27-9-11 - Special filings as to surety or guaranty bonds.

§ 27-9-11. Special filings as to surety or guaranty bonds.Any special filing with respect to a surety or guaranty bond required by law, by court or executive order, or by order, rule, or regulation of a public body, not covered by a previous filing, shall become effective when filed and shall be deemed to meet the requirements of this chapter until the commissioner reviews the filing and so long after this as the filing remains in effect.History of Section.P.L. 1948, ch. 2089, § 4; G.L. 1956, § 27-9-11.
RI Gen L § 27-9-12 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-9 - Casualty Insurance Rating|Section 27-9-12 - Suspension or modification of filing requirements.

§ 27-9-12. Suspension or modification of filing requirements.Under rules and regulations the commissioner adopts, the commissioner may, by written order, suspend or modify the requirements of filing as to any kind of insurance, or subdivision or combination of insurance, or as to classes of risks, the rates for which cannot practically be filed before they are used. Those orders, rules, and regulations shall be made known to insurers and rating organizations affected by them. The commissioner may make an examination as the commissioner may deem advisable to ascertain whether any rates affected by an order meet the standards set forth in § 27-9-4(a)(4).History of Section.P.L. 1948, ch. 2089, § 4; G.L. 1956, § 27-9-12.
RI Gen L § 27-9-13 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-9 - Casualty Insurance Rating|Section 27-9-13 - Approval of rates in excess of those filed.

§ 27-9-13. Approval of rates in excess of those filed.Upon the written consent of the insured, stating his or her reasons, filed with and approved by the commissioner, a rate in excess of that provided by an applicable filing may be used on any specific risk.History of Section.P.L. 1948, ch. 2089, § 4; G.L. 1956, § 27-9-13.
RI Gen L § 27-9-14 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-9 - Casualty Insurance Rating|Section 27-9-14 - Compliance with filings required.

§ 27-9-14. Compliance with filings required.No insurer shall make or issue a contract or policy at a rate or premium in excess of filings which are in effect for that insurer as provided in this chapter, except in accordance with § 27-9-12 or § 27-9-13.History of Section.P.L. 1948, ch. 2089, § 4; G.L. 1956, § 27-9-14.
RI Gen L § 27-9-15 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-9 - Casualty Insurance Rating|Section 27-9-15 - Review of rates not covered by filings.

§ 27-9-15. Review of rates not covered by filings.Within ten (10) days after any insurer has made or issued a contract or policy at a rate or premium other than is provided for by any filing made with the commissioner by or in its behalf, that insurer shall notify the commissioner, in writing, of that action in the form the commissioner may require. The commissioner shall review the notice as soon as reasonably possible after it has been received by him or her, in order to determine whether the contract or policy has been written at a rate or premium which meets the requirements of this chapter. When the notice is not accompanied by the information upon which the insurer supports the rate or premium, and the commissioner does not have sufficient information to determine whether the rate or premium meets the requirements of the chapter, the commissioner shall require the insurer to furnish, within ten (10) days after the receipt of the notice of the requirement, the information upon which it supports the rate or premium. Unless, within thirty (30) days after the receipt of the notice or the supporting information, the commissioner shall issue an order following a hearing, as provided in § 27-9-18, the rate or premium charged for the contract or policy shall be deemed to meet the requirements of this chapter; provided, that all contracts and policies issued under the provisions of this section shall state that the rate or premium charged for the contract or policy has not been reviewed by the commissioner and that it is subject to disapproval or modification as of the effective date of the contracts or policies.History of Section.P.L. 1948, ch. 2089, § 4; G.L. 1956, § 27-9-15.
RI Gen L § 27-9-16 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-9 - Casualty Insurance Rating|Section 27-9-16 - Disapproval of filing within waiting period.

§ 27-9-16. Disapproval of filing within waiting period.If, within the waiting period or any extension of it as provided in § 27-9-10, the commissioner finds that a filing does not meet the requirements of this chapter, the commissioner shall send to the insurer or rating organization which made the filing written notice of disapproval of the filing specifying in the notice in what respects he or she finds the filing fails to meet the requirements of this chapter and stating that the filing shall not become effective.History of Section.P.L. 1948, ch. 2089, § 5; G.L. 1956, § 27-9-16.
RI Gen L § 27-9-17 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-9 - Casualty Insurance Rating|Section 27-9-17 - Disapproval of special surety or guaranty filing.

§ 27-9-17. Disapproval of special surety or guaranty filing.If, within thirty (30) days after a special surety or guaranty filing subject to § 27-9-11 has become effective, the commissioner finds that the filing does not meet the requirements of this chapter, the commissioner shall send to the insurer or rating organization which made the filing written notice of disapproval of the filing specifying in the notice in what respects he or she finds that the filing fails to meet the requirements of this chapter and stating when, within a reasonable period after this, the filing shall be deemed no longer effective. That disapproval shall not affect any contract made or issued prior to the expiration of the period set forth in the notice.History of Section.P.L. 1948, ch. 2089, § 5; G.L. 1956, § 27-9-17.
RI Gen L § 27-9-18 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-9 - Casualty Insurance Rating|Section 27-9-18 - Disapproval of filing after review period - Removal of discrimination - Hearings to determine effect of legislation.

§ 27-9-18. Disapproval of filing after review period — Removal of discrimination — Hearings to determine effect of legislation.(a) If at any time, subsequent to the applicable review period provided for in § 27-9-16 or § 27-9-17, the commissioner finds that a rate or filing does not meet the requirements of this chapter, he or she shall, after a hearing held upon not less than ten (10) days written notice specifying the matters to be considered at that hearing to every insurer and rating organization which used that rate or made that filing, issue an order specifying on what respects he or she finds that the rate or filing fails to meet the requirements of this chapter, and stating when, within a reasonable period after this, the rate shall no longer be used or the filing shall be deemed no longer effective. That order shall not affect any contract or policy made or issued prior to the expiration of the period set forth in the order. If the commissioner finds that an unfair discrimination exists in the application of a rate or filing to an individual risk the commissioner may, after a hearing held on similar notice to the insurer affected and to any rating organization which made the filing, issue an order that the discrimination be removed.(b) (1) Whenever legislation is enacted that restricts or removes common law rights of action in tort and/or statutory rights as to causes of action or damages, within one year after the passage of that restrictive legislation, those insurance companies underwriting affected lines shall request hearings to be held to determine the effect of that legislation on insurance policies, their cost and benefits;(2) The findings of the hearings with reference to the decrease of frequency in claims shall constitute the basis for an immediate reduction of rates and if excess profits have been obtained, the commissioner shall order a refund of all excess profits, and he or she shall annually review the continued effect of the legislation until it is reasonably ascertained that a proper rate level has been established. Copies of any order issued pursuant to this section shall be sent to every affected insurer and rating organization.History of Section.P.L. 1948, ch. 2089, § 5; G.L. 1956, § 27-9-18; P.L. 1978, ch. 137, § 1.
RI Gen L § 27-9-19 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-9 - Casualty Insurance Rating|Section 27-9-19 - Hearings on application by persons aggrieved by filing - Order terminating filing - Removal of discrimination.

§ 27-9-19. Hearings on application by persons aggrieved by filing — Order terminating filing — Removal of discrimination.(a) Any person or organization aggrieved with respect to any rate or filing which is in effect may make a written application to the commissioner for a hearing; provided, that the insurer or rating organization that uses the rate or made the filing shall not be authorized to proceed under this section. The application shall specify the grounds to be relied upon by the applicant. If the commissioner shall find that the application is made in good faith, that the applicant would be aggrieved if his or her grounds are established, and that his or her grounds justify holding a hearing, the commissioner shall, within thirty (30) days after receipt of the application, hold a hearing upon not less than ten (10) days written notice to the applicant and to every insurer and rating organization which uses the rate or made the filing; provided, if a public hearing had been held concerning the rate or filing before it became effective, no hearing shall be held pursuant to this section unless the commissioner shall find that there has been a substantial change of circumstances since that hearing.(b) If, after the hearing, the commissioner finds that the rate or filing does not meet the requirements of this chapter, the commissioner shall issue an order specifying in what respects he or she finds that the rate or filing fails to meet the requirements of this chapter, and stating when, within a reasonable period after this, the rate shall no longer be used or the filing shall be deemed no longer effective. That order shall not affect any contract or policy made or issued prior to the expiration of the period set forth in the order. If the commissioner finds that an unfair discrimination exists in the application of a rate or filing to an individual risk the commissioner may, after a hearing held on similar notice to the insurer affected and to any rating organization which made the filing, issue an order that the discrimination be removed. Copies of any order issued pursuant to this section shall be sent to every affected insurer and rating organization.History of Section.P.L. 1948, ch. 2089, § 5; G.L. 1956, § 27-9-19; P.L. 1968, ch. 286, § 4.
RI Gen L § 27-9-20 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-9 - Casualty Insurance Rating|Section 27-9-20 - Competitive rates as evidence of fairness - Profit as evidence of adequacy.

§ 27-9-20. Competitive rates as evidence of fairness — Profit as evidence of adequacy.If the insurer making or issuing a contract or policy at a rate or premium less than that provided by any filing shall, at any hearing held pursuant to §§ 27-9-16 — 27-9-21, or pursuant to § 27-9-15, show to the satisfaction of the commissioner that the rate or premium was used in good faith to meet an equally low or lower net cost to the insured of a competitor, that showing shall be prima facie evidence that the rate or premium used is not unfairly discriminatory, and if the insurer using the rate or premium shall show to the satisfaction of the commissioner that it is writing a kind or class of insurance at a profit, that showing shall be prima facie evidence that the rate or premium used is not inadequate.History of Section.P.L. 1948, ch. 2089, § 5; G.L. 1956, § 27-9-20.
RI Gen L § 27-9-21 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-9 - Casualty Insurance Rating|Section 27-9-21 - Filed schedules and plans not to be disapproved if rates meet requirements.

§ 27-9-21. Filed schedules and plans not to be disapproved if rates meet requirements.No manual of classifications, rules, rating plan, or any modification of any of these which establishes standards for measuring variations in hazards or expense provisions, or both, and which has been filed pursuant to the requirements of §§ 27-9-7 — 27-9-15, shall be disapproved if the rates produced by it meet the requirements of this chapter.History of Section.P.L. 1948, ch. 2089, § 5; G.L. 1956, § 27-9-21.
RI Gen L § 27-9-22 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-9 - Casualty Insurance Rating|Section 27-9-22 - Licensing of rating organization.

§ 27-9-22. Licensing of rating organization.(a) A corporation, an unincorporated association, a partnership, or an individual whether located within or outside this state may make an application to the commissioner for a license as a rating organization for those kinds of insurance or subdivisions of insurance specified in its application and shall file with the application:(1) A copy of its constitution, articles of agreement or association, or certificate of incorporation, and bylaws, rules, and regulations governing the conduct of its business;(2) A list of its members and subscribers;(3) The name and address of a resident of this state upon whom notices or orders of the commissioner or process affecting the rating organization may be served; and(4) A statement of its qualifications as a rating organization.(b) If the commissioner finds that the applicant is competent, trustworthy, and qualified to act as a rating organization and that its constitution, articles of agreement or association, or certificate of incorporation, and bylaws, rules, and regulations governing the conduct of its business conform to the requirements of law, the commissioner shall issue a license specifying the kinds of insurance or subdivisions of insurance for which the applicant is authorized to act as a rating organization. Every application shall be granted or denied in whole or in part by the commissioner within sixty (60) days of the date of its filing with him or her. Licenses issued pursuant to this section shall remain in effect for three (3) years unless sooner suspended or revoked by the commissioner. The fee for the license shall be three hundred dollars ($300). All in force licenses shall be transitioned into a three (3) year licensing cycle beginning June 1, 2006, to expire every three (3) years thereafter. License fees may be prorated for the initial renewal period as deemed appropriate by the director.(c) Licenses issued pursuant to this section may be suspended or revoked by the commissioner, after a hearing upon notice, in the event the rating organization ceases to meet the requirements of this section. Every rating organization shall notify the commissioner promptly of every change in:(1) Its constitution, articles of agreement or association or certificate of incorporation, and bylaws, rules, and regulations governing the conduct of its business;(2) Its list of members and subscribers; and(3) The name or address of the resident of this state designated by it upon whom notices or orders of the commissioner or process affecting the rating organization may be served.History of Section.P.L. 1948, ch. 2089, § 6; G.L. 1956, § 27-9-22; P.L. 1960, ch. 71, art. 1, § 4; P.L. 1993, ch. 138, art. 62, § 12; P.L. 2005, ch. 174, § 4.
RI Gen L § 27-9-23 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-9 - Casualty Insurance Rating|Section 27-9-23 - Admission of and services to subscribers.

§ 27-9-23. Admission of and services to subscribers.Subject to rules and regulations which have been approved by the commissioner as reasonable, each rating organization shall permit any insurer not a member to be a subscriber to its rating services for any kind of insurance or subdivision of insurance for which it is authorized to act as a rating organization. Notice of proposed changes in those rules and regulations shall be given to subscribers. Each rating organization shall furnish its rating services without discrimination to its members and subscribers. The reasonableness of any rule or regulation in its application to subscribers, or the refusal of any rating organization to admit an insurer as a subscriber, shall, at the request of any subscriber or any affected insurer, be reviewed by the commissioner at a hearing held upon at least ten (10) days written notice to the rating organization and to the subscriber or insurer. If the commissioner finds that the rule or regulation is unreasonable in its application to subscribers, the commissioner shall order that the rule or regulation shall not be applicable to subscribers. If the rating organization fails to grant or reject an insurer's application for subscribership within thirty (30) days after it was made, the insurer may request a review by the commissioner as if the application had been rejected. If the commissioner finds that the insurer has been refused admittance to the rating organization as a subscriber without justification, the commissioner shall order the rating organization to admit the insurer as a subscriber. If the commissioner finds that the action of the rating organization was justified, the commissioner shall make an order affirming its action.History of Section.P.L. 1948, ch. 2089, § 6; G.L. 1956, § 27-9-23.
RI Gen L § 27-9-24 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-9 - Casualty Insurance Rating|Section 27-9-24 - Regulation by rating organization of payments by insurers to policyholders or members.

§ 27-9-24. Regulation by rating organization of payments by insurers to policyholders or members.No rating organization shall adopt any rule the effect of which would be to prohibit or regulate the payment of dividends, savings, or unabsorbed premium deposits allowed or returned by insurers to their policyholders, members, or subscribers.History of Section.P.L. 1948, ch. 2089, § 6; G.L. 1956, § 27-9-24.
RI Gen L § 27-9-25 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-9 - Casualty Insurance Rating|Section 27-9-25 - Cooperation among organizations and insurers - Review of cooperative practices.

§ 27-9-25. Cooperation among organizations and insurers — Review of cooperative practices.Cooperation among rating organizations or among rating organizations and insurers and concert of action among insurers under the same general management or control in rate making or in other matters within the scope of this chapter are authorized, provided the filings resulting from that cooperation are subject to all of the provisions of this chapter which are applicable to filing generally. The commissioner may review cooperative activities and practices and if, after a hearing, he or she finds that any cooperative activity or practice is unfair or unreasonable or inconsistent with the provisions of this chapter, the commissioner may issue a written order specifying in what respects that activity or practice is unfair or unreasonable or inconsistent with the provisions of this chapter, and requiring the discontinuance of that activity or practice.History of Section.P.L. 1948, ch. 2089, § 6; G.L. 1956, § 27-9-25.
RI Gen L § 27-9-26 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-9 - Casualty Insurance Rating|Section 27-9-26 - Adherence to rating organization filings - Deviation filings.

§ 27-9-26. Adherence to rating organization filings — Deviation filings.Every member of or subscriber to a rating organization shall adhere to the filings made on its behalf by the organization, except that any affected insurer may file with the commissioner a uniform percentage decrease or increase to be applied to the premiums produced by the rating system filed for a kind of insurance or for a class of insurance which is found by the commissioner to be a proper rating unit for the application of the uniform percentage decrease or increase or for a subdivision of a kind of insurance: (1) comprised of a group of manual classifications which is treated as a separate unit for rate making purposes, or (2) for which separate expense provisions are included in the filings of the rating organization. The deviation filing shall specify the basis for the modification and shall be accompanied by the data upon which the applicant relies. A copy of the filing and data shall be sent simultaneously to the rating organization. Any deviation developing a lower rate than filed by the rating organization may be utilized immediately by the member or subscriber developing the decrease. Any eventual return to the rate level as authorized for the rating organization, from which a lower deviation has been made, shall also be accomplished by submitting simultaneously to the insurance commissioner and the rating organization a copy of the filing and data.History of Section.P.L. 1948, ch. 2089, § 6; G.L. 1956, § 27-9-26; P.L. 1978, ch. 134, § 1.