reglab/housing_qa huggingface dataset:
Ohio Rev Code § 3935.10 (2021)
2021 Ohio Revised Code|Title 39 | Insurance|Chapter 3935 | Rating Bureaus|Section 3935.10 | Reporting Loss and Expense Experience - Interchange of Data and Co-Operation With Other States.

Effective: October 1, 1953|Latest Legislation:  House Bill 1 - 100th General Assembly|The superintendent of insurance shall promulgate rules and statistical plans, reasonably adopted to each of the rating systems on file with him, which may be modified from time to time and which shall be used thereafter by each insurer in the recording and reporting of its loss and country-wide expense experience, in order that the experience of all insurers may be made available at least annually in such form and detail as is necessary to aid the superintendent in determining whether rating systems comply with the standards set forth in section 3935.03 of the Revised Code. Such rules and plans may also provide for the recording and reporting of expense experience items which are specially applicable to this state and which are not susceptible of determination by a prorating of country-wide expense experience. In promulgating such rules and plans, the superintendent shall give due consideration to the rating systems on file with him and, in order that such rules and plans may be as uniform as is practicable among the several states, to the rules and to the form of the plans used for such rating systems in other states. No insurer need record or report its loss experience on a classification basis that is inconsistent with the rating system filed by it. The superintendent may designate one or more rating bureaus or other agencies to assist him in gathering such experience and making compilations thereof, and such compilations shall be made available, subject to reasonable rules promulgated by the superintendent, to insurers and rating bureaus.Reasonable rules and plans may be promulgated by the superintendent for the interchange of data necessary for the application of rating plans.In order to further uniform administration of rate regulatory laws, the superintendent and every insurer and rating bureau may exchange information and experience data with insurance supervisory officials, insurers, and rating bureaus in other states and may consult with them with respect to rate making and the application of rating systems.The superintendent may make reasonable rules and regulations necessary to effectuate sections 3935.01 to 3935.17, inclusive, of the Revised Code.Sections 119.01 to 119.13, inclusive, of the Revised Code are applicable to the rule-making functions of the superintendent under sections 3935.01 to 3935.17, inclusive, of the Revised Code, including appeals from the order of the superintendent in adopting, amending, or rescinding rules.
Ohio Rev Code § 3935.11 (2021)
2021 Ohio Revised Code|Title 39 | Insurance|Chapter 3935 | Rating Bureaus|Section 3935.11 | Examination of Rating Bureau.

Effective: October 1, 1953|Latest Legislation:  House Bill 1 - 100th General Assembly|The superintendent of insurance shall, at least once in five years, make an examination of each rating bureau licensed in this state as provided in section 3935.06 of the Revised Code, and he may, as often as he considers it expedient, make an examination of each advisory organization referred to in section 3935.12 of the Revised Code and of each group, association, or other organization referred to in section 3935.13 of the Revised Code. The reasonable costs of any such examination shall be paid by the rating bureau, advisory organization, group, association, or other organization examined upon presentation to it of a detailed account of such costs. The officers, manager, agents, and employees of such rating bureau, advisory organization, group, association, or other organization may be examined at any time under oath and shall exhibit all books, records, accounts, documents, or agreements governing its method of operation. The superintendent shall furnish two copies of the examination report to the rating bureau, advisory organization, group, or association examined and shall notify such rating bureau, advisory organization, group, or association that it may, within twenty days thereafter, request a hearing on said report or on any facts or recommendations therein. Before filing any such report for public inspection, the superintendent shall grant a hearing to the rating bureau, advisory organization, group, or association examined. The report of any such examination, when filed for public inspection, is admissible in evidence in any action or proceeding brought by the superintendent against the rating bureau, advisory organization, group, or association examined, or its officers or agents, and is prima-facie evidence of the facts stated therein. The superintendent may withhold the report of any such examination from public inspection for such time as he considers proper. In lieu of any such examination the superintendent may accept the report of an examination made by the insurance supervisory official of another state, pursuant to the laws of such state.
Ohio Rev Code § 3935.12 (2021)
2021 Ohio Revised Code|Title 39 | Insurance|Chapter 3935 | Rating Bureaus|Section 3935.12 | Advisory Organizations.

Effective: October 1, 1953|Latest Legislation:  House Bill 1 - 100th General Assembly|(A) Every group, association, or other organization of insurers, whether located within or outside this state, which assists insurers which make their own filings or rating bureaus 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 sections 3935.01 to 3935.17, inclusive, of the Revised Code, shall be known as an advisory organization.(B) Every advisory organization shall file the following items with the superintendent of insurance:(1) A copy of its constitution, its articles of agreement or association or its certificate of incorporation, and of its bylaws, rules, and regulations governing its activities;(2) A list of its members;(3) The name and address of a resident of this state upon whom notices or orders of the superintendent or process issued at his direction may be served;(4) An agreement that the superintendent may examine such advisory organization in accordance with section 3935.11 of the Revised Code.(C) If, after a hearing, the superintendent finds that the furnishing of information or assistance to insurers by such advisory organization involves any act or practice which is unfair, unreasonable, or otherwise inconsistent with sections 3935.01 to 3935.17, inclusive, of the Revised Code, he may issue a written order specifying in what respects such act or practice is unfair, unreasonable, or otherwise inconsistent with said sections, and requiring the discontinuance of such act or practice.(D) No insurer which makes its own filings, nor any rating bureau, shall support its filings by statistics or adopt rate-making recommendations furnished to it by an advisory organization which has not complied with this section or with an order of the superintendent involving such statistics or recommendations issued under division (C) of this section. If the superintendent finds such insurer or rating bureau to be in violation of this division, he may issue an order requiring the discontinuance of such violation.
Ohio Rev Code § 3935.13 (2021)
2021 Ohio Revised Code|Title 39 | Insurance|Chapter 3935 | Rating Bureaus|Section 3935.13 | Regulations for Joint Underwriting or Joint Reinsurance.

Effective: October 1, 1953|Latest Legislation:  House Bill 1 - 100th General Assembly|Every group, association, or other organization of insurers which engages in joint underwriting or joint reinsurance shall be subject to regulation with respect to such underwriting or reinsurance as provided in this section, subject, with respect to joint underwriting, to sections 3935.01 to 3935.17, inclusive, of the Revised Code, and, with respect to joint reinsurance, to sections 3935.11, 3935.14, 3935.16, and 3935.17 of the Revised Code.If, after a hearing, the superintendent of insurance finds that any activity or practice of any such group, association, or other organization is unfair, unreasonable, or otherwise inconsistent with sections 3935.01 to 3935.17, inclusive, of the Revised Code, he may issue a written order specifying in what respects such activity or practice is unfair, unreasonable, or otherwise inconsistent with said sections and requiring the discontinuance of such activity or practice.
Ohio Rev Code § 3935.16 (2021)
2021 Ohio Revised Code|Title 39 | Insurance|Chapter 3935 | Rating Bureaus|Section 3935.16 | General Prohibition - Suspension of License.

Effective: October 1, 1953|Latest Legislation:  House Bill 1 - 100th General Assembly|The superintendent of insurance may suspend the license of any rating bureau or insurer which fails to comply with an order of the superintendent within the time limited by such order, or any extension thereof which the superintendent grants. The superintendent shall not suspend the license of any rating bureau or insurer for failure to comply with an order until the time prescribed for an appeal therefrom has expired or, if an appeal has been taken, until such order has been affirmed. The superintendent may determine when a suspension of license becomes effective, and it shall remain in effect for the period fixed by him unless he modifies or rescinds such suspension, or until the order upon which such suspension is based is modified, rescinded, or reversed.No penalty shall be imposed and no license shall be suspended or revoked except upon a written order of the superintendent, stating his findings, made after a hearing held upon not less than ten days' written notice to such person or bureau, specifying the alleged violation.
Ohio Rev Code § 3935.17 (2021)
2021 Ohio Revised Code|Title 39 | Insurance|Chapter 3935 | Rating Bureaus|Section 3935.17 | Applicability of Sections.

Effective: October 1, 1953|Latest Legislation:  House Bill 1 - 100th General Assembly|Section 3927.05 of the Revised Code is not repealed or affected by sections 3935.01 to 3935.17, inclusive, of the Revised Code, but compliance with sections 3935.01 to 3935.17, inclusive, of the Revised Code, shall not be deemed to be a violation of section 3927.05 of the Revised Code.
Ohio Rev Code § 3935.99 (2021)
2021 Ohio Revised Code|Title 39 | Insurance|Chapter 3935 | Rating Bureaus|Section 3935.99 | Penalty.

Effective: October 1, 1953|Latest Legislation:  House Bill 1 - 100th General Assembly|(A) Whoever violates sections 3935.01 to 3935.17, inclusive, of the Revised Code, shall be fined not less than fifty nor more than five hundred dollars.
Ohio Rev Code § 3937.01 (2021)
2021 Ohio Revised Code|Title 39 | Insurance|Chapter 3937 | Casualty Insurance; Motor Vehicle Insurance|Section 3937.01 | Regulation of Rates for Casualty Insurance - Exceptions.

Effective: January 17, 1977|Latest Legislation:  Senate Bill 545 - 111th General Assembly|Sections 3937.01 to 3937.16 of the Revised Code apply to casualty insurance including fidelity, surety, and guaranty bonds, and to all forms of motor vehicle insurance, on risks or operations in this state, except:(A) Reinsurance, other than joint reinsurance to the extent stated in section 3937.10 of the Revised Code;(B) Accident and health insurance;(C) Insurance against loss of or damage to aircraft or against liability, other than employer's liability, arising out of the ownership, maintenance, or use of aircraft;(D) Insurance against workers' compensation liability;(E) Insurance of titles to property against loss by reason of defects, encumbrances, or other matters;(F) The insurance of the correctness of searches for instruments, liens, charges, or other matters affecting title to property.
Ohio Rev Code § 3937.011 (2021)
2021 Ohio Revised Code|Title 39 | Insurance|Chapter 3937 | Casualty Insurance; Motor Vehicle Insurance|Section 3937.011 | Application of Sections.

Effective: November 9, 1959|Latest Legislation:  Senate Bill 289 - 103rd General Assembly|Sections 3937.01 to 3937.17, inclusive, of the Revised Code apply to subscribers, their attorneys or representatives authorized to exchange reciprocal or interinsurance contracts under sections 3931.01 to 3931.12, inclusive, of the Revised Code.
Ohio Rev Code § 3937.021 (2021)
2021 Ohio Revised Code|Title 39 | Insurance|Chapter 3937 | Casualty Insurance; Motor Vehicle Insurance|Section 3937.021 | Relevant Factors for Determining Rates.

Effective: October 20, 1994|Latest Legislation:  Senate Bill 20 - 120th General Assembly|In determining rates for motor vehicle insurance, an insurer shall not consider the fact that an applicant does not have motor vehicle insurance covering the applicant's motor vehicle at the time of his application for such insurance, unless the insurer has an actuarial justification. An insurer may consider any relevant factor contributing to the cancellation, refusal to renew, or other involuntary termination of motor vehicle insurance coverage previously maintained by the applicant, and may consider any other relevant factors permitted by sections 3937.01 to 3937.17 of the Revised Code.
Ohio Rev Code § 3937.04 (2021)
2021 Ohio Revised Code|Title 39 | Insurance|Chapter 3937 | Casualty Insurance; Motor Vehicle Insurance|Section 3937.04 | Hearing on Rates and Filings.

Effective: January 5, 1988|Latest Legislation:  House Bill 1 - 117th General Assembly|(A) If at any time the superintendent of insurance finds that a rate to which sections 3937.01 to 3937.17 of the Revised Code apply does not comply with such sections, he may, after a hearing held upon not less than twenty days' written notice as provided in division (C) of this section, specifying the matters to be considered at the hearing, to every insurer and rating organization that made the rate, issue an order specifying in what respects he finds that the rate fails to comply, and stating when, within a reasonable period thereafter, the rate shall be no longer in effect. Copies of the order shall be sent to such insurer or rating organization. The order shall not affect any contract or policy made or issued prior to the expiration of the period set forth in the order.(B) Any person or organization aggrieved with respect to any filing that is in effect may make written application to the superintendent for a hearing thereon, provided the insurer or rating organization that made the filing shall not be authorized to proceed under this division. The application shall specify the grounds to be relied upon by the applicant. If the superintendent finds that the application is made in good faith, that the applicant would be so aggrieved if his grounds are established, and that such grounds otherwise justify holding such a hearing, he shall, within thirty days after receipt of the application, hold a hearing upon not less than ten days' written notice to the applicant and, as provided in division (C) of this section, to every insurer and rating organization that made the filing. If, after the hearing, the superintendent finds that the filing does not comply with sections 3937.01 to 3937.17 of the Revised Code, he shall issue an order specifying in what respects he finds that the filing fails to comply and stating when, within a reasonable period thereafter, the filing shall be no longer effective. Copies of the order shall be sent to the applicant and to every such insurer or rating organization. The order shall not affect any contract or policy made or issued prior to the expiration of the period set forth in the order.(C) Every rating organization receiving a notice of hearing or copy of an order under division (A) or (B) of this section shall promptly notify all of its members or subscribers that would be affected by the hearing or order. Notice to a rating organization of a hearing or order shall be deemed notice to its members or subscribers.
Ohio Rev Code § 3937.06 (2021)
2021 Ohio Revised Code|Title 39 | Insurance|Chapter 3937 | Casualty Insurance; Motor Vehicle Insurance|Section 3937.06 | Deviation From Filings.

Effective: October 1, 1953|Latest Legislation:  House Bill 1 - 100th General Assembly|Every member or subscriber to a rating organization shall adhere to the filings made on its behalf by such organization except that any such insurer may file with the superintendent of insurance a uniform percentage decrease or increase to be applied to the premiums produced by the rating system so filed for a kind of insurance for a class of insurance which is found by the superintendent to be a proper rating unit for the application of such uniform percentage decrease or increase, or for a subdivision of a kind of insurance comprised of a group of manual classifications which is treated as a separate unit for rate making purposes, or for which separate expense provisions are applicable.When such deviation is filed, it shall become effective immediately and shall be deemed to comply with sections 3937.01 to 3937.17, inclusive, of the Revised Code, unless disapproved by the superintendent as provided in section 3937.04 of the Revised Code. When such filing is not accompanied by the information upon which the insurer supports such deviation and the superintendent does not have sufficient information to determine whether such filing complies with sections 3937.01 to 3937.17, inclusive, of the Revised Code, he may require such insurer to furnish the information upon which it supports such filing. Such information may be of the character provided for in division (A) of section 3937.03 of the Revised Code.
Ohio Rev Code § 3937.07 (2021)
2021 Ohio Revised Code|Title 39 | Insurance|Chapter 3937 | Casualty Insurance; Motor Vehicle Insurance|Section 3937.07 | Advisory Organizations.

Effective: October 1, 1953|Latest Legislation:  House Bill 1 - 100th General Assembly|Any member of or subscriber to a rating organization may appeal to the superintendent of insurance from the action or decision of such rating organization in approving or rejecting any proposed change in or addition to the filings of such rating organization and the superintendent shall, after a hearing held upon not less than ten days' written notice to the appellant and to such rating organization, issue an order approving the action or decision of such rating organization or directing it to give further consideration to such proposal. If such appeal is from the action or decision of the rating organization in rejecting a proposed addition to its filings, the superintendent may, in the event he finds that such 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 findings, within a reasonable time after the issuance of such order.If such appeal is based upon the failure of the rating organization to make a filing on behalf of such member or subscriber which is based on a system of expense provisions which differs, in accordance with the right granted in division (B) of section 3937.02 of the Revised Code, from the system of expense provisions included in a filing made by the rating organization, the superintendent shall, if he grants the appeal, order the rating organization to make the requested filing for use by the appellant. In deciding such appeal the superintendent shall apply the standards set forth in division (B) of section 3937.02 of the Revised Code.
Ohio Rev Code § 3937.08 (2021)
2021 Ohio Revised Code|Title 39 | Insurance|Chapter 3937 | Casualty Insurance; Motor Vehicle Insurance|Section 3937.08 | Rate Information Furnished Insurer Upon Request - Right of Review and Appeal.

Effective: October 1, 1953|Latest Legislation:  House Bill 1 - 100th General Assembly|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 such insured, all pertinent information as to such rate. Every rating organization and every insurer which makes its own rates shall provide, within this state, reasonable means by which 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 such rating system has been applied in connection with the insurance afforded him.If the rating organization or insurer fails to grant or reject such 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 such rating organization or such insurer on such request may, within thirty days after written notice of such action, appeal to the superintendent of insurance, who, after a hearing held upon not less than ten days' written notice to the appellant and to such rating organization or insurer, may affirm or reverse such action.
Ohio Rev Code § 3937.09 (2021)
2021 Ohio Revised Code|Title 39 | Insurance|Chapter 3937 | Casualty Insurance; Motor Vehicle Insurance|Section 3937.09 | Advisory Organization - Functions - Requirements - Order of Superintendent.

Effective: October 1, 1953|Latest Legislation:  House Bill 1 - 100th General Assembly|(A) Every group, association, or other organization of insurers, whether located within or outside 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 sections 3937.01 to 3937.17, inclusive, of the Revised Code, shall be known as an advisory organization.(B) Every advisory organization shall file with the superintendent:(1) A copy of its constitution, articles of agreement or association or certificate of incorporation, and of its bylaws, rules, and regulations governing its activities;(2) A list of its members;(3) The name and address of a resident of this state upon whom notices or orders of the superintendent of insurance or process issued at his direction may be served;(4) An agreement that the superintendent may examine such advisory organization in accordance with section 3937.11 of the Revised Code.(C) If, after a hearing, the superintendent finds that the furnishing of such information or assistance involves any act or practice which is unfair or unreasonable or otherwise inconsistent with sections 3937.01 to 3937.17, inclusive, of the Revised Code, he may issue a written order specifying in what respects such act or practice is unfair or unreasonable or otherwise inconsistent with such sections, and requiring the discontinuance of such act or practice.(D) No insurer which makes its own filings and no rating organization shall support its filings by statistics or adopt rate making recommendations, furnished to it by an advisory organization which has not complied with this section or with an order of the superintendent involving such statistics or recommendations issued under division (C) of this section. If the superintendent finds such insurer or rating organization in violation of this division of this section, he may issue an order requiring the discontinuance of such violation.