reglab/housing_qa huggingface dataset:
SC Code § 38-73-920 (2021)
2021 South Carolina Code of Laws|Title 38 - Insurance|Chapter 73 - Property, Casualty, Inland Marine, And Surety Rates And Rate-making Organizations|Section 38-73-920. No insurance may be issued except on rates filed.

 An insurer may not make or issue a contract or policy except in accordance with the filings which are in effect for the insurer as provided in this chapter or in accordance with Section 38-73-1060. Notwithstanding Section 38-73-10, Section 38-73-330(2), and Section 38-73-430(4), filings for property and casualty rate increases may not be approved for any insurer or rating organization for any line, subline, or otherwise identifiable property and casualty insurance coverage for which a rate increase has previously been granted within the immediately preceding twelve months. However, if satisfactory evidence is presented to the director or his designee by an insurer or rating organization that the continued use of the previously approved rates for the line, subline, or otherwise identifiable property and casualty insurance coverage may result in the insolvency of an insurer, more frequent rate increases may be approved. Rate changes proposed where the sole factor for the change is the impact of a revised assessment does not constitute a rate increase for purposes of this section. No rate increase based upon an assessment may become effective unless the assessment has been paid. This section does not apply to contracts or policies for inland marine risks as to which filings are not required.  However, a private insurer licensed to underwrite essential property insurance as defined by Section 38-75-310(1), notwithstanding any limitations included within this title, may file and use, pursuant to the provisions of Section 38-73-1095, any rates which result in insurance premium rates of ninety percent, or less, of the insurance premium rates then approved for the South Carolina Wind and Hail Underwriting Association which result in an insurance premium increase for any policyholder situated within a coastal area of South Carolina as defined by Section 38-75-310(5) not more than once in any six-month period.  HISTORY: Former 1976 Code Section 38-43-610 [1947 (45) 322; 1952 Code Section 37-691; 1962 Code Section 37-691; 1977 Act No. 107] recodified as Section 38-73-920 by 1987 Act No. 155, Section 1; 1993 Act No. 181, Section 783; 1996 Act No. 378, Section 5; 2004 Act No. 315, Section 2, eff October 12, 2004.
SC Code § 38-73-930 (2021)
2021 South Carolina Code of Laws|Title 38 - Insurance|Chapter 73 - Property, Casualty, Inland Marine, And Surety Rates And Rate-making Organizations|Section 38-73-930. Guidelines and formats for filing.

 The department shall, when it is considered appropriate, issue by regulation specific mandatory guidelines and formats for filing with the department so as to promote uniformity and consistency and facilitate meaningful comparisons. Any guidelines and formats issued shall include requirements for detailed breakdowns on the total expense component of any filing.  HISTORY: Former 1976 Code Section 38-43-615 [1962 Code Section 37-691.1; 1977 Act No. 151 Section 1] recodified as Section 38-73-930 by 1987 Act No. 155, Section 1; 1993 Act No. 181, Section 783.
SC Code § 38-73-935 (2021)
2021 South Carolina Code of Laws|Title 38 - Insurance|Chapter 73 - Property, Casualty, Inland Marine, And Surety Rates And Rate-making Organizations|Section 38-73-935. Rate filings; information based upon; exceptions.

 No rate filing for private passenger automobile insurance may include or be based upon actual or projected loss or expense data which includes payments made on policies, wherein the amount of the settlement, judgment, or other payment by the insurer was in excess of the policy limits, exclusive of interest and costs. No rate filing for private passenger automobile insurance may include or be based upon actual or projected loss or expense data which includes payments made as a result of the insurer's tortious breach of it's duty of good faith and fair dealing.  HISTORY: 1989 Act No. 148, Section 31; 1993 Act No. 181, Section 783.
SC Code § 38-73-940 (2021)
2021 South Carolina Code of Laws|Title 38 - Insurance|Chapter 73 - Property, Casualty, Inland Marine, And Surety Rates And Rate-making Organizations|Section 38-73-940. Information in support of filing.

 A filing and any supporting information are open to public inspection after the filing becomes effective.  The information furnished in support of a filing under Section 38-73-340 or 38-73-520 may include:  (1) the experience or judgment of the insurer or rating organization making the filing;  (2) its interpretation of any statistical data it relies upon;  (3) the experience of other insurers or rating organizations; and  (4) any other relevant factors.  A filing and any supporting information are open to public inspection after the filing becomes effective.  HISTORY: Former 1976 Code Section 38-43-620 [1947 (45) 322; 1952 Code Section 37-692; 1962 Code Section 37-692] recodified as Section 38-73-940 by 1987 Act No. 155, Section 1; 1993 Act No. 181, Section 783.
SC Code § 38-73-950 (2021)
2021 South Carolina Code of Laws|Title 38 - Insurance|Chapter 73 - Property, Casualty, Inland Marine, And Surety Rates And Rate-making Organizations|Section 38-73-950. Additional information may be required.

 When a filing is not accompanied by the information upon which the insurer supports the filing and the director or his designee does not have sufficient information to determine whether the filing meets the requirements of this chapter, he shall require the insurer to furnish the information upon which it supports the filing, and in this event the waiting period commences as of the date the information is furnished.  HISTORY: Former 1976 Code Section 38-43-630 [1947 (45) 322; 1952 Code Section 37-693; 1962 Code Section 37-693] recodified as Section 38-73-950 by 1987 Act No. 155, Section 1; 1993 Act No. 181, Section 783.
SC Code § 38-73-960 (2021)
2021 South Carolina Code of Laws|Title 38 - Insurance|Chapter 73 - Property, Casualty, Inland Marine, And Surety Rates And Rate-making Organizations|Section 38-73-960. Effective date of filing.

 The director or his or her designee must review filings as soon as reasonably possible after they have been made in order to determine whether they meet the requirements of this chapter. Subject to the exceptions specified in Sections 38-73-965, 38-73-970, and 38-73-980, each filing must be on file for a waiting period of sixty days before it becomes effective. This period may be extended by the director or his or her designee for an additional period not to exceed sixty days if he or she gives written notice within the waiting period to the insurer or rating organization which made the filing that he or she needs additional time for the consideration of the filing. Upon written application by the insurer or rating organization, the director or his or her designee may authorize a filing which he or she has reviewed to become effective before the expiration of the waiting period or any extension thereof. A filing meets the requirements of this chapter unless disapproved by the director or his or her designee within the waiting period or any extension thereof.  HISTORY: Former 1976 Code Section 38-43-640 [1947 (45) 322; 1952 Code Section 37-694; 1962 Code Section 37-694; 1978 Act No. 627] recodified as Section 38-73-960 by 1987 Act No. 155, Section 1; 1993 Act No. 181, Section 783; 2007 Act No. 111, Pt III, Section 3, eff July 1, 2007, applicable to injuries that occur on or after that date.
SC Code § 38-73-965 (2021)
2021 South Carolina Code of Laws|Title 38 - Insurance|Chapter 73 - Property, Casualty, Inland Marine, And Surety Rates And Rate-making Organizations|Section 38-73-965. Filing; effective date.

 A filing made pursuant to Section 38-73-525 is governed by the effective dates specified in that section.  HISTORY: 2007 Act No. 111, Pt III, Section 4, eff July 1, 2007, applicable to injuries that occur on or after that date.
SC Code § 38-73-970 (2021)
2021 South Carolina Code of Laws|Title 38 - Insurance|Chapter 73 - Property, Casualty, Inland Marine, And Surety Rates And Rate-making Organizations|Section 38-73-970. Effective date for specially rated inland marine rates.

 Specific inland marine rates on risks specially rated by a rating organization become effective when filed and are considered to meet the requirements of this chapter until the time the director or his designee reviews the filing and so long thereafter as the filing remains in effect.  HISTORY: Former 1976 Code Section 38-43-650 [1947 (45) 322; 1952 Code Section 37-695; 1962 Code Section 37-695] recodified as Section 38-73-970 by 1987 Act No. 155, Section 1; 1993 Act No. 181, Section 783.
SC Code § 38-73-980 (2021)
2021 South Carolina Code of Laws|Title 38 - Insurance|Chapter 73 - Property, Casualty, Inland Marine, And Surety Rates And Rate-making Organizations|Section 38-73-980. Effective date for certain surety or guaranty bonds.

 Any special filing with respect to a surety or guaranty bond required by law, or by court or executive order, or by order or regulation of a public body, not covered by a previous filing, becomes effective when filed and is considered to meet the requirements of this chapter until the time the director or his designee reviews the filing and so long thereafter as the filing remains in effect.  HISTORY: Former 1976 Code Section 38-43-660 [1947 (45) 322; 1952 Code Section 37-696; 1962 Code Section 37-696] recodified as Section 38-73-980 by 1987 Act No. 155, Section 1; 1993 Act No. 181, Section 783.
SC Code § 38-73-990 (2021)
2021 South Carolina Code of Laws|Title 38 - Insurance|Chapter 73 - Property, Casualty, Inland Marine, And Surety Rates And Rate-making Organizations|Section 38-73-990. Disapproval of filings generally.

 Except as provided in Section 38-73-995, if within the waiting period or any extension thereof as provided in Section 38-73-960 the director or his or her designee finds that a filing or a part of a filing does not meet the requirements of this chapter, he or she must send to the insurer or rating organization which made the filing written notice of disapproval of the filing or part of a filing specifying therein in what respects he or she finds the filing or part thereof fails to meet the requirements of this chapter and stating that the filing or the part may not become effective.  HISTORY: Former 1976 Code Section 38-43-670 [1947 (45) 322; 1952 Code Section 37-697; 1962 Code Section 37-697; 1978 Act No. 486] recodified as Section 38-73-990 by 1987 Act No. 155, Section 1; 1993 Act No. 181, Section 783; 2007 Act No. 111, Pt III, Section 5, eff July 1, 2007, applicable to injuries that occur on or after that date.
SC Code § 38-73-995 (2021)
2021 South Carolina Code of Laws|Title 38 - Insurance|Chapter 73 - Property, Casualty, Inland Marine, And Surety Rates And Rate-making Organizations|Section 38-73-995. Disapproval of insurer's workers' compensation rates using most recent multiplier for expenses.

 An insurer's workers' compensation rates developed using its most recent multiplier for expenses, assessments, profit, and contingencies and any modifications to loss costs may be disapproved at any time after they become effective if the director or his or her designee determines that they do not meet the requirements of this chapter.  HISTORY: 2007 Act No. 111, Pt III, Section 6, eff July 1, 2007, applicable to injuries that occur on or after that date.
SC Code § 38-73-1000 (2021)
2021 South Carolina Code of Laws|Title 38 - Insurance|Chapter 73 - Property, Casualty, Inland Marine, And Surety Rates And Rate-making Organizations|Section 38-73-1000. Disapproval of specially rated specific inland marine rates.

 If, within thirty days after a specific inland marine rate on a risk specially rated by a rating organization subject to Section 38-73-970 has become effective, the director or his designee finds that the filing does not meet the requirements of this chapter, he shall send to the rating organization which made the filing written notice of disapproval of the filing specifying therein in what respects he finds that the filing fails to meet the requirements of this chapter and stating when, within a reasonable period thereafter, the filing is no longer effective. This disapproval does not affect any contract made or issued prior to the expiration of the period set forth in the notice.  HISTORY: Former 1976 Code Section 38-43-680 [1947 (45) 322; 1952 Code Section 37-698; 1962 Code Section 37-698] recodified as Section 38-73-1000 by 1987 Act No. 155, Section 1; 1993 Act No. 181, Section 783.
SC Code § 38-73-1010 (2021)
2021 South Carolina Code of Laws|Title 38 - Insurance|Chapter 73 - Property, Casualty, Inland Marine, And Surety Rates And Rate-making Organizations|Section 38-73-1010. Disapproval of special surety or guaranty filings.

 If, within thirty days after a special surety or guaranty filing subject to Section 38-73-980 has become effective, the director or his designee finds that the filing does not meet the requirements of this chapter, he shall send to the insurer or rating organization which made the filing written notice of disapproval of the filing specifying therein in what respects he finds that the filing fails to meet the requirements of this chapter and stating when, within a reasonable period thereafter, the filing is considered no longer effective. This disapproval does not affect any contract made or issued prior to the expiration of the period set forth in the notice.  HISTORY: Former 1976 Code Section 38-43-690 [1947 (45) 322; 1952 Code Section 37-699; 1962 Code Section 37-699] recodified as Section 38-73-1010 by 1987 Act No. 155, Section 1; 1993 Act No. 181, Section 783.
SC Code § 38-73-1020 (2021)
2021 South Carolina Code of Laws|Title 38 - Insurance|Chapter 73 - Property, Casualty, Inland Marine, And Surety Rates And Rate-making Organizations|Section 38-73-1020. Disapproval after applicable review period.

 If at any time after the applicable review period provided for in Sections 38-73-990 to 38-73-1010 the director or his designee finds that a filing does not meet the requirements of this chapter, he shall, after a hearing held upon not less than thirty days' written notice to every insurer and rating organization which made the filing, specifying the matters to be considered at the hearing, issue an order specifying in what respects he finds that the filing fails to meet the requirements of this chapter and stating when, within a reasonable period thereafter, the filing is considered no longer effective. Copies of the order must be sent to every insurer and rating organization which made the filing. The order does not affect any contract or policy made or issued prior to the expiration of the period set forth in the order.  HISTORY: Former 1976 Code Section 38-43-700 [1947 (45) 322; 1952 Code Section 37-700; 1962 Code Section 37-700] recodified as Section 38-73-1020 by 1987 Act No. 155, Section 1; 1993 Act No. 181, Section 783.
SC Code § 38-73-1030 (2021)
2021 South Carolina Code of Laws|Title 38 - Insurance|Chapter 73 - Property, Casualty, Inland Marine, And Surety Rates And Rate-making Organizations|Section 38-73-1030. Review of filings on application of person aggrieved.

 Any person or organization aggrieved with respect to any filing which is in effect may make written application to the director or his designee for a hearing thereon, except that the insurer or rating organization that made the filing may not proceed under this section. The application shall specify the grounds to be relied upon by the applicant. If, within thirty days after receipt of the application, the director or his designee finds that the application is made in good faith, that the applicant would be so aggrieved if his grounds are established, and that the grounds otherwise justify holding a hearing, he shall hold a hearing upon not less than thirty days' written notice to the applicant and to every insurer and rating organization which made the filing. If, after the hearing, the director or his designee finds that the filing does not meet the requirements of this chapter, he shall issue an order specifying in what respects he finds that the filing fails to meet the requirements of this chapter and stating when, within a reasonable period thereafter, the filing is considered no longer effective. Copies of the order must be sent to the applicant and to every insurer and rating organization which made the filing. The order does not affect any contract or policy made or issued prior to the expiration of the period set forth in the order.  HISTORY: Former 1976 Code Section 38-43-710 [1947 (45) 322; 1952 Code Section 37-701; 1962 Code Section 37-701] recodified as Section 38-73-1030 by 1987 Act No. 155, Section 1; 1993 Act No. 181, Section 783.
SC Code § 38-73-1040 (2021)
2021 South Carolina Code of Laws|Title 38 - Insurance|Chapter 73 - Property, Casualty, Inland Marine, And Surety Rates And Rate-making Organizations|Section 38-73-1040. No disapproval of certain fire, allied lines, or inland marine filings.

 No manual, minimum, or class rate, rating schedule, rating plan, or rating rule of or with respect to fire and allied lines or inland marine insurance, or any modification of the foregoing, which has been filed pursuant to the requirements of Section 38-73-340 may be disapproved if the rates thereby produced meet the requirements of this chapter.  HISTORY: Former 1976 Code Section 38-43-720 [1947 (45) 322; 1952 Code Section 37-702; 1962 Code Section 37-702] recodified as Section 38-73-1040 by 1987 Act No. 155, Section 1; 1993 Act No. 181, Section 783.
SC Code § 38-73-1050 (2021)
2021 South Carolina Code of Laws|Title 38 - Insurance|Chapter 73 - Property, Casualty, Inland Marine, And Surety Rates And Rate-making Organizations|Section 38-73-1050. No disapproval of certain casualty or automobile filings.

 No manual of classifications, rules, rating plans, or any modification of any of the foregoing for casualty insurance or automobile insurance which establishes standards for measuring variations in hazards or expense provisions, or both, and which has been filed pursuant to the requirements of Section 38-73-520 may be disapproved if the rates thereby produced meet the requirements of this chapter.  HISTORY: Former 1976 Code Section 38-43-730 [1947 (45) 322; 1952 Code Section 37-703; 1962 Code Section 37-703] recodified as Section 38-73-1050 by 1987 Act No. 155, Section 1; 1993 Act No. 181, Section 783.
SC Code § 38-73-1060 (2021)
2021 South Carolina Code of Laws|Title 38 - Insurance|Chapter 73 - Property, Casualty, Inland Marine, And Surety Rates And Rate-making Organizations|Section 38-73-1060. Use of rates and policy forms different from those filed; exceptions.

 (A) Upon the written application of the insured, stating his reasons therefor, filed with the department and approved by the director or his designee, a rate different from that provided by a filing otherwise applicable may be used on any specific risk.  (B) Upon the written application of an insured which has aggregate insurance premiums, other than life, accident, and health, in excess of one hundred thousand dollars, stating the reasons therefor, filed with the department, and approved by the director or his designee, a policy form different from that provided by a filing otherwise applicable may be used on any specific risk. Any policy form filed with the department pursuant to this subsection must be considered approved if not approved or disapproved within thirty days of receipt by the department. However, the consent-to-form does not apply to policy forms providing private passenger automobile insurance coverage subject to the mandate-to-write, workers' compensation insurance coverage, or employer's liability insurance coverage and policy forms underwritten by joint underwriting transactions or joint insurance transactions.  HISTORY: Former 1976 Code Section 38-43-740 [1947 (45) 322; 1952 Code Section 37-704; 1962 Code Section 37-704] recodified as Section 38-73-1060 by 1987 Act No. 155, Section 1; 1993 Act No. 181, Section 783; 1997 Act No. 68, Section 8.
SC Code § 38-73-1070 (2021)
2021 South Carolina Code of Laws|Title 38 - Insurance|Chapter 73 - Property, Casualty, Inland Marine, And Surety Rates And Rate-making Organizations|Section 38-73-1070. Suspension or modification of filing requirement.

 Under regulations the department promulgates, the director or his designee may, by written order, suspend or modify the requirements of filing as to any kind of insurance, subdivision, or combination thereof or as to classes of risks, the rates for which cannot practicably be filed before they are used. These orders and regulations must be made known to insurers and rating organizations affected thereby. The director or his designee may make any examination he considers advisable to ascertain whether any rates affected by the order meet the standards set forth in Section 38-73-330(2) or Section 38-73-430(4), as the case may be.  HISTORY: Former 1976 Code Section 38-43-750 [1947 (45) 322; 1952 Code Section 37-705; 1962 Code Section 37-705] recodified as Section 38-73-1070 by 1987 Act No. 155, Section 1; 1993 Act No. 181, Section 783.
SC Code § 38-73-1080 (2021)
2021 South Carolina Code of Laws|Title 38 - Insurance|Chapter 73 - Property, Casualty, Inland Marine, And Surety Rates And Rate-making Organizations|Section 38-73-1080. Information to be furnished insureds; hearings and appeals of insureds.

 Every rating organization and every insurer which makes its own rates shall, within a reasonable time after receiving written request therefor and upon payment of such reasonable charge as it may make, furnish to any insured affected by a rate made by it or to the authorized representative of the insured all pertinent information as to the rate. Every rating organization and every insurer which makes its own rates shall provide within this State reasonable means whereby any person aggrieved by the application of its rating system may be heard, in person or by his authorized representative, on his written request to review the manner in which the rating system has been applied in connection with the insurance afforded him. If the rating organization or insurer fails to grant or reject the request within thirty days after it is made, the applicant may proceed in the same manner as if his application had been rejected. Any party affected by the action of the rating organization or the insurer on the request may, within thirty days after written notice of the action, appeal to the director or his designee, who, after a hearing held upon not less than thirty days' written notice to the appellant and to the rating organization or insurer, may affirm or reverse the action.  HISTORY: Former 1976 Code Section 38-43-760 [1947 (45) 322; 1952 Code Section 37-706; 1962 Code Section 37-706] recodified as Section 38-73-1080 by 1987 Act No. 155, Section 1; 1993 Act No. 181, Section 783.
SC Code § 38-73-1085 (2021)
2021 South Carolina Code of Laws|Title 38 - Insurance|Chapter 73 - Property, Casualty, Inland Marine, And Surety Rates And Rate-making Organizations|Section 38-73-1085. Publication of representative sample of premiums.

 The director or his designee shall no less than annually cause to have published and make available a representative sample of the private passenger premiums being charged by at least the twenty insurance companies having the largest market share in each territory to facilitate price comparisons by insureds and prospective insureds who are seeking new coverage.  HISTORY: 1989 Act No. 148, Section 29; 1993 Act No. 181, Section 783.