reglab/housing_qa huggingface dataset:
RI Gen L § 27-6-16 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-6 - Fire and Marine Insurance Rating|Section 27-6-16 - Review of rates not provided for by filings.

§ 27-6-16. Review of rates not provided for by filings.Within ten (10) days after any insurer has made or issued a contract or policy at a rate or premium other than as provided for by any filing made with the commissioner by or in its behalf, the insurer shall notify the commissioner in writing of that action in any form the commissioner may require. The commissioner shall review the notice as soon as reasonably possible after it has been received, in order to determine whether the contract or policy has been written at a rate or premium that 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 receipt of the notice of that requirement, the information upon which it supports the rate or premium. Unless, within thirty (30) days after receipt of the notice or supporting information, the commissioner shall issue an order following a hearing, as provided in § 27-6-19, the rate or premium charged for the contract or policy shall be deemed to meet the requirements of this chapter; provided, that all contract and policies issued under the provisions of this section shall state that the rate or premium charged 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. 2088, § 4; G.L. 1956, § 27-6-16.
RI Gen L § 27-6-17 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-6 - Fire and Marine Insurance Rating|Section 27-6-17 - Notice of disapproval within waiting period.

§ 27-6-17. Notice of disapproval within waiting period.If, within the waiting period or any extension, as provided in § 27-6-11, 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 that filing written notice of disapproval of that filing specifying in what respects he or she finds that filing fails to meet the requirements of this chapter and stating that that filing shall not become effective.History of Section.P.L. 1948, ch. 2088, § 5; G.L. 1956, § 27-6-17.
RI Gen L § 27-6-18 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-6 - Fire and Marine Insurance Rating|Section 27-6-18 - Disapproval of specific inland marine rates.

§ 27-6-18. Disapproval of specific inland marine rates.If, within thirty (30) days after a specific inland marine rate on a risk specially rated by a rating organization, subject to § 27-6-12, has become effective, the commissioner finds that the filing does not meet the requirements of this chapter, the commissioner shall send to the rating organization which made the filing written notice of disapproval of the filing specifying 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. This 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. 2088, § 5; G.L. 1956, § 27-6-18.
RI Gen L § 27-6-19 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-6 - Fire and Marine Insurance Rating|Section 27-6-19 - Suspension of rates or filings after review period - Removal of discriminatory applications of rates.

§ 27-6-19. Suspension of rates or filings after review period — Removal of discriminatory applications of rates.If, at any time subsequent to the applicable review period provided for in § 27-6-17 or 27-6-18, the commissioner finds that a rate or filing does not meet the requirements of this chapter, the commissioner shall, after a hearing held upon not less than ten (10) days written notice, specifying the matters to be considered at the hearing, to every insurer and rating organization which used the rate or made the filing, 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. This 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 like notice to the insurer affected and to any rating organization which made the filing, issue an order that the unfair discrimination be removed. Copies of any order issued under this section shall be sent to every affected insurer and rating organization.History of Section.P.L. 1948, ch. 2088, § 5; G.L. 1956, § 27-6-19.
RI Gen L § 27-6-20 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-6 - Fire and Marine Insurance Rating|Section 27-6-20 - Hearings on application by persons aggrieved by filings - Order terminating filing - Removal of discrimination.

§ 27-6-20. Hearings on application by persons aggrieved by filings — 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 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. This 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 these 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. This 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 like notice to the insurer affected and to any rating organization which made the filing, issue an order that the unfair discrimination be removed. Copies of any order issued under this section shall be sent to every affected insurer and rating organization.History of Section.P.L. 1948, ch. 2088, § 5; G.L. 1956, § 27-6-20; P.L. 1968, ch. 286, § 3.
RI Gen L § 27-6-21 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-6 - Fire and Marine Insurance Rating|Section 27-6-21 - Competitive rates as evidence of fairness - Profit as evidence of adequacy.

§ 27-6-21. 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, at any hearing held pursuant to §§ 27-6-17 — 27-6-22, or pursuant to § 27-6-16, shows 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 that 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. 2088, § 5; G.L. 1956, § 27-6-21.
RI Gen L § 27-6-22 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-6 - Fire and Marine Insurance Rating|Section 27-6-22 - Filed schedules and plans not to be disapproved if rates meet requirements.

§ 27-6-22. Filed schedules and plans not to be disapproved if rates meet requirements.No manual, minimum, or class rate, rating schedule, rating plan, rating rule, or any modification of any of these which has been filed pursuant to the requirements of §§ 27-6-8 — 27-6-16 shall be disapproved if the rates produced meet the requirements of this chapter.History of Section.P.L. 1948, ch. 2088, § 5; G.L. 1956, § 27-6-22.
RI Gen L § 27-6-23 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-6 - Fire and Marine Insurance Rating|Section 27-6-23 - Licensing of rating organizations.

§ 27-6-23. Licensing of rating organizations.(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 a subdivision or a class of risk or a part or combination of it as are specified in its application and shall file with the application:(1) A copy of its constitution, its articles of agreement or association or its certificate of incorporation, and its 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 qualification as a rating organization.(b) If the commissioner finds that the applicant is competent, trustworthy, and otherwise qualified to act as a rating organization and that its constitution, its articles of agreement or association or certificate of incorporation, and its 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 a subdivision or a class or a risk or part or combination of it, 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 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 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, its articles of agreement or association or its certificate of incorporation, and its bylaws, rules, and regulations governing the conduct of its business;(2) Its list of members and subscribers; and(3) The name and 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. 2088, § 6; G.L. 1956, § 27-6-23; P.L. 1960, ch. 71, art. 1, § 3; P.L. 2005, ch. 174, § 2.
RI Gen L § 27-6-24 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-6 - Fire and Marine Insurance Rating|Section 27-6-24 - Admission of and services to subscribers.

§ 27-6-24. 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 or class of risk or a part or combination of it, for which it is authorized to act as a rating organization. Notice of proposed changes in the 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, he or she shall make an order affirming its action.History of Section.P.L. 1948, ch. 2088, § 6; G.L. 1956, § 27-6-24.
RI Gen L § 27-6-25 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-6 - Fire and Marine Insurance Rating|Section 27-6-25 - Regulation by rating organizations of payments by insurers to policyholders or members.

§ 27-6-25. Regulation by rating organizations 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. 2088, § 6; G.L. 1956, § 27-6-25.
RI Gen L § 27-6-26 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-6 - Fire and Marine Insurance Rating|Section 27-6-26 - Cooperation among rating organizations and insurers - Review of cooperative practices.

§ 27-6-26. Cooperation among rating 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 are subject to all the provisions of this chapter which are applicable to filings generally. The commissioner may review those cooperative activities and practices and if, after a hearing, the commissioner finds that any activity or practice is unfair or unreasonable or inconsistent with the provisions of this chapter, he or she 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. 2088, § 6; G.L. 1956, § 27-6-26.
RI Gen L § 27-6-27 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-6 - Fire and Marine Insurance Rating|Section 27-6-27 - Examination of policies and records by rating organizations.

§ 27-6-27. Examination of policies and records by rating organizations.Any rating organization may provide for the examination of policies, daily reports, binders, renewal certificates, endorsements, or other evidences of insurance, or the cancellation of insurance, and may make reasonable rules governing their submission. Those rules shall contain a provision that in the event any insurer does not within sixty (60) days furnish satisfactory evidence to the rating organization of the correction of any error or omission previously called to its attention by the rating organization, it shall be the duty of the rating organization to notify the commissioner. All information submitted for examination shall be confidential.History of Section.P.L. 1948, ch. 2088, § 6; G.L. 1956, § 27-6-27.
RI Gen L § 27-6-28 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-6 - Fire and Marine Insurance Rating|Section 27-6-28 - Actuarial and technical services furnished by rating organizations.

§ 27-6-28. Actuarial and technical services furnished by rating organizations.Any rating organization may subscribe for or purchase actuarial, technical, or other services, and those services shall be available to all members and subscribers without discrimination.History of Section.P.L. 1948, ch. 2088, § 6; G.L. 1956, § 27-6-28.
RI Gen L § 27-6-29 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-6 - Fire and Marine Insurance Rating|Section 27-6-29 - Adherence to rating organization filings - Deviation filings.

§ 27-6-29. 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 insurer which is a member or subscriber may file with the commissioner a deviation from the class rates, schedules, rating plans, or rules respecting any kind of insurance or class of risk within a kind of insurance or combination of it. The deviation filing shall specify the basis for the modification and a copy shall also be sent simultaneously to the rating organization. Any deviation filing shall be on file for a waiting period of thirty (30) days before it becomes effective unless the commissioner reviews and authorizes the filing to become effective before the expiration of that period and shall be subject to the provisions of §§ 27-6-17 — 27-6-22. Each deviation shall be effective for a period of not less than one year from the date the deviation is filed unless terminated with the approval of the commissioner or in accordance with the provisions of §§ 27-6-17 — 27-6-22.History of Section.P.L. 1948, ch. 2088, § 6; G.L. 1956, § 27-6-29.
RI Gen L § 27-6-30 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-6 - Fire and Marine Insurance Rating|Section 27-6-30 - Appeals from action of rating organization on changes in filings.

§ 27-6-30. Appeals from action of rating organization on changes in filings.(a) Any member of or subscriber to a rating organization may appeal to the commissioner from any action or decision of the rating organization in approving or rejecting any proposed change in or addition to the filings of the rating organization, and the commissioner shall, after a hearing held upon not less than ten (10) days written notice to the appellant and to the rating organization, issue an order approving the action or decision of the rating organization or directing it to give further consideration to the proposal and to take action or make a decision upon it within thirty (30) days, or if the appeal is from the action or decision of the rating organization in rejecting a proposed addition to its filings, the commissioner may, in the event he or she finds that the action or decision was unreasonable, issue an order directing the rating organization to make an addition to its filings, on behalf of its members and subscribers, in a manner consistent with his or her findings, within a reasonable time after the issuance of the order; provided, if the appeal is from the action of the rating organization with regard to a rate on a proposed change in or addition to its filings relating to the character and extent of coverage, the commissioner shall approve the rate applied by the rating organization or the rate suggested by the appellant if either rate is in accordance with this chapter.(b) The failure of a rating organization to take action or make a decision within thirty (30) days after submission to it of a proposal under this section shall constitute a rejection of that proposal within the meaning of this section.History of Section.P.L. 1948, ch. 2088, § 7; G.L. 1956, § 27-6-30.
RI Gen L § 27-6-31 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-6 - Fire and Marine Insurance Rating|Section 27-6-31 - Rate information furnished to insured.

§ 27-6-31. Rate information furnished to insured.Every rating organization and every insurer which makes its own rates shall, within a reasonable time after receiving written request for it and upon payment of any reasonable charge it may make, furnish to any insured affected by a rate made by it, or to the authorized representative of that insured, all pertinent information as to that rate.History of Section.P.L. 1948, ch. 2088, § 8; G.L. 1956, § 27-6-31.
RI Gen L § 27-6-32 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-6 - Fire and Marine Insurance Rating|Section 27-6-32 - Review of application of rating system to insured.

§ 27-6-32. Review of application of rating system to insured.Every rating organization and every insurer which makes its own rates shall provide within this state reasonable means where any person aggrieved by the application of its rating system may be heard, in person or by his or her authorized representative, on his or her written request to review the manner in which the rating system has been applied in connection with the insurance afforded that person. If the rating organization or insurer fails to grant or reject that request within thirty (30) days after it is made, the applicant may proceed in the same manner as if the application had been rejected. Any party affected by the action of the rating organization or insurer on his or her request may, within thirty (30) days after written notice of the action, appeal to the commissioner, who, after a hearing held upon not less than ten (10) days written notice to the appellant and to the rating organization or insurer, may affirm or reverse the action.History of Section.P.L. 1948, ch. 2088, § 8; G.L. 1956, § 27-6-32.
RI Gen L § 27-6-33 (2021)
2021 Rhode Island General Laws|Title 27 - Insurance|Chapter 27-6 - Fire and Marine Insurance Rating|Section 27-6-33 - "Advisory organization" defined.

§ 27-6-33. "Advisory organization" defined.Every group, association, or other organization of insurers, whether located within or outside of this state, which assists insurers which make their own filings or rating organizations in rate making, by the collection and furnishing of loss or expense statistics, or by the submission of recommendations, but which does not make filings under this chapter, shall be known as an "advisory organization."History of Section.P.L. 1948, ch. 2088, § 9; G.L. 1956, § 27-6-33.