reglab/statecodes huggingface dataset:
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-8 - Casualty Insurance Generally › Section 27-8-15. - Insurance inspections.

§ 27-8-15. Insurance inspections.
The furnishing of, or failure to furnish, insurance inspections or advisory services in connection with or incidental to the issuance or renewal of a policy of property, casualty or boiler and machinery insurance shall not subject the insurer, whether domestic or foreign, its agents, employees, or service contractors, to liability for damages from injury, death, or loss occurring as a result of any act or omission in the course of those services. This section shall not apply in the event the active negligence of the insurer, its agent, employee, or service contractor, created the condition that was the proximate cause of injury, death or loss.
History of Section.
P.L. 1988, ch. 68, § 1; P.L. 1988, ch. 300, § 1; P.L. 1996, ch. 391, § 1.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-8 - Casualty Insurance Generally › Section 27-8-17. - Payment on claim for fire coverage of motor vehicle — Statement required.

§ 27-8-17. Payment on claim for fire coverage of motor vehicle — Statement required.
No payment shall be made by the insurer of loss or damage to an insured vehicle on a claim for fire coverage as provided in § 27-8-1(6), until the insured has filed a statement in conformity with the provisions of § 27-8.1-2.1, and the insurer has, within a reasonable time, reviewed the statement and determined that no fraud was involved. If the insurer denies the fire coverage claim, then the insurer shall provide appropriate notice within a reasonable period of time of the denial of coverage to all lien holders, if any, of the insured motor vehicle.
History of Section.
P.L. 1993, ch. 332, § 1.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-8 - Casualty Insurance Generally › Section 27-8-18. - Debtor’s right to deductible election.

§ 27-8-18. Debtor’s right to deductible election.
Any debtor receiving financing for the purchase of a motor vehicle from any institution or person or other entity shall have an absolute election to choose a deductible of up to five hundred ($500) dollars for collision or limited collision coverage, and any and all contrary provisions in an insurance policy or financing agreement shall be null and void.
History of Section.
P.L. 1994, ch. 189, § 1.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-8.1 - Information Reporting and Immunity Relating to Fire Losses › Section 27-8.1-1. - Short title.

§ 27-8.1-1. Short title.
This chapter shall be known as the “Arson Information Reporting — Immunity Act”.
History of Section.
P.L. 1978, ch. 328, § 1.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-8.1 - Information Reporting and Immunity Relating to Fire Losses › Section 27-8.1-2. - Definitions.

§ 27-8.1-2. Definitions.
(a)
“Action” includes nonaction, inaction, or failure to take action.
(b)
“Authorized agency” means:
(1)
The state fire marshal, deputy fire marshal, or assistant deputy fire marshals;
(2)
The superintendent of state police, or principal investigating officer of the state police;
(3)
The attorney general or assistant attorneys general;
(4)
The chief, deputy chief, or principal investigating officer of the police department of the city or town where a fire occurs;
(5)
The chief, deputy chief, or principal investigating officer of the fire department of the city or town or fire district where a fire occurs;
(6)
The federal bureau of investigation or any comparable federal investigatory agency; or
(7)
The United States attorney or assistant district attorneys for the district where a fire occurs.
(c)
“Deemed crucial” means determined by an authorized agency acting within its sole discretion to be decisive or critical to an investigation and/or prosecution by that agency.
(d)
“Immune” means that neither a civil action nor a criminal prosecution may be maintained or instituted by virtue of any action taken pursuant to § 27-8.1-3, 27-8.1-4, or 27-8.1-5, or any other provision of this chapter, in the absence of actual malice on the part of the insurer, lending institution, party in interest, or authorized agency, against the insured.
(e)
“Insurer” means any insurance company incorporated by or under the laws of this state, and any foreign insurance company admitted to do business in this state, which issues fire insurance coverage on real or personal property risks located within the state.
(f)
“Lending institution” means any corporation incorporated by or under the law of this state and any foreign corporation admitted to do business in this state which makes any loan which is secured in whole or in part by a mortgage upon any interest in real property located in this state.
(g)
“Party in interest” means any person, firm, association, corporation, or other association of persons engaged:
(1)
In any phase of the business of fire coverage which is subject to the regulatory authority of the department of business regulation or the appropriate regulatory division of the department; or
(2)
In any phase of the business of making loans in association with, on behalf of, or in conjunction with a lending institution.
(h)
“Relevant” means having a propensity or tendency to make the existence of any fact, which is of consequence to the investigation or determination of an issue, more probable or less probable than in the absence of that information.
History of Section.
P.L. 1978, ch. 328, § 1; P.L. 1979, ch. 392, § 1; P.L. 1988, ch. 309, § 2; P.L. 1989, ch. 542, § 77.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-8.1 - Information Reporting and Immunity Relating to Fire Losses › Section 27-8.1-2.1. - Statement to fire department concerning burned motor vehicle.

§ 27-8.1-2.1. Statement to fire department concerning burned motor vehicle.
(a)
Whenever a motor vehicle as defined in § 31-1-3 is burned, the owner of record of the vehicle shall submit to the fire department for the city or town in which the vehicle is located a statement signed under the penalties of perjury containing any information concerning the burning of the vehicle that the state fire marshal or his or her designee shall require.
(b)
The state fire marshal or his or her designee is empowered and directed to develop and adopt an appropriate form upon which to enter the owner’s statement, which form shall contain the requisite information as provided in § 27-8.1-3.
History of Section.
P.L. 1993, ch. 332, § 2; P.L. 2004, ch. 6, § 12; P.L. 2005, ch. 410, § 12.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-8.1 - Information Reporting and Immunity Relating to Fire Losses › Section 27-8.1-4. - Confidentiality of evidence — Testimony by agency.

§ 27-8.1-4. Confidentiality of evidence — Testimony by agency.
(a)
Any authorized agency, insurer, lending institution, or party in interest, or any person acting on behalf of or in conjunction with any of these, which or who has secured any information furnished or received pursuant to this chapter, shall retain that information in its strict confidence, possession, and custody until release of that information is required pursuant to a criminal or civil proceeding.
(b)
Any authorized agency, or the personnel of that agency, may be required to testify in any litigation in which an insurer and/or party in interest is named as a party or parties.
History of Section.
P.L. 1978, ch. 328, § 1; P.L. 1988, ch. 309, § 1.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-8.1 - Information Reporting and Immunity Relating to Fire Losses › Section 27-8.1-5. - Enforcement — Penalty.

§ 27-8.1-5. Enforcement — Penalty.
(a)
No insurer, lending institution, party in interest, or authorized agency, or any person acting in behalf of, or in conjunction with, any of these, shall:
(1)
Intentionally or knowingly refuse to release any information requested and/or ordered pursuant to § 27-8.1-3(a), (b), (e), or (f);
(2)
Intentionally or knowingly refuse to provide authorized relevant information pursuant to § 27-8.1-3(d)(1); and
(3)
Fail to hold in strict confidence, possession, and custody, information required to be so held under § 27-8.1-4(a).
(b)
Whoever shall violate subsection (a) of this section shall be guilty of a misdemeanor and, upon conviction, shall be punished by a fine not to exceed one hundred dollars ($100).
History of Section.
P.L. 1978, ch. 328, § 1; P.L. 1988, ch. 309, § 1.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-8.1 - Information Reporting and Immunity Relating to Fire Losses › Section 27-8.1-6. - Construction of chapter.

§ 27-8.1-6. Construction of chapter.
With the exception of § 27-8.1-2(a), no provision of this chapter shall be construed to impair any existing statutory or common law rights or powers.
History of Section.
P.L. 1978, ch. 328, § 1.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-8.2 - Stop-Loss Insurance › Section 27-8.2-1. - Purpose and intent.

§ 27-8.2-1. Purpose and intent.
This chapter shall be known as the “Stop-Loss Insurance Act.” The purpose of this chapter is to establish criteria for the issuance of stop-loss insurance policies. Nothing in this chapter shall be construed as imposing any requirement or duty on any person other than an insurer, or as treating any stop-loss policy as a direct policy of health insurance.
History of Section.
P.L. 2013, ch. 86, § 1; P.L. 2013, ch. 92, § 1.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-8.2 - Stop-Loss Insurance › Section 27-8.2-2. - Definitions.

§ 27-8.2-2. Definitions.
(a)
“Actuarial certification” means a written statement by a member of the American Academy of Actuaries, or other individual acceptable to the commissioner, that an insurer is in compliance with the provisions of this chapter. The written statement shall be based upon the individual’s examination, and include a review of the appropriate records and the actuarial assumptions and methods used by the insurer in establishing attachment points and other applicable determinations in conjunction with the provision of stop-loss insurance coverage.
(b)
“Attachment point” means the claims amount incurred by an insured group beyond which the insurer incurs a liability for payment.
(c)
“Expected claims” means the amount of claims that, in the absence of a stop-loss policy or other insurance, are projected to be incurred by an insured group through its health plan.
History of Section.
P.L. 2013, ch. 86, § 1; P.L. 2013, ch. 92, § 1.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-8.2 - Stop-Loss Insurance › Section 27-8.2-3. - Stop-loss insurance coverage standards.

§ 27-8.2-3. Stop-loss insurance coverage standards.
(a)
An insurer shall not issue a stop-loss insurance policy that:
(1)
Has an annual attachment point for claims incurred per individual that is lower than twenty thousand dollars ($20,000);
(2)
Has an annual aggregate attachment point that is lower than one hundred twenty percent (120%) of expected claim; and
(3)
Provides direct coverage of healthcare expenses of an individual.
(b)
The commissioner may adopt rules that carry out the requirements of this chapter.
History of Section.
P.L. 2013, ch. 86, § 1; P.L. 2013, ch. 92, § 1.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-8.2 - Stop-Loss Insurance › Section 27-8.2-4. - Actuarial certification.

§ 27-8.2-4. Actuarial certification.
An insurer shall file with the commissioner annually on or before March 15, an actuarial certification certifying that the insurer is in compliance with this chapter. The certification shall be in a form and manner, and shall contain information, specified by the commissioner. A copy of the certification shall be retained by the insurer at its principal place of business.
History of Section.
P.L. 2013, ch. 86, § 1; P.L. 2013, ch. 92, § 1.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-8.2 - Stop-Loss Insurance › Section 27-8.2-5. - Effective date.

§ 27-8.2-5. Effective date.
This chapter shall become effective with respect to stop-loss insurance policies issued or renewed on or after January 1, 2014.
History of Section.
P.L. 2013, ch. 86, § 1; P.L. 2013, ch. 92, § 1.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-8.3 - Peer-To-Peer Car Sharing Program [REPEALED.] › Section 27-8.3-1. - [Repealed.]

§ 27-8.3-1. [Repealed.]
History of Section.
P.L. 2022, ch. 427, § 1, effective April 1, 2023; P.L. 2022, ch. 428, § 1, effective April 1, 2023; repealed by P.L. 2023, ch. 283, § 1, effective June 22, 2023; repealed by P.L. 2023, ch. 284, § 1, effective June 22, 2023.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-8.3 - Peer-To-Peer Car Sharing Program [REPEALED.] › Section 27-8.3-2. - [Repealed.]

§ 27-8.3-2. [Repealed.]
History of Section.
P.L. 2022, ch. 427, § 1, effective April 1, 2023; P.L. 2022, ch. 428, § 1, effective April 1, 2023; repealed by P.L. 2023, ch. 283, § 1, effective June 22, 2023; repealed by P.L. 2023, ch. 284, § 1, effective June 22, 2023.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-8.3 - Peer-To-Peer Car Sharing Program [REPEALED.] › Section 27-8.3-3. - [Repealed.]

§ 27-8.3-3. [Repealed.]
History of Section.
P.L. 2022, ch. 427, § 1, effective April 1, 2023; P.L. 2022, ch. 428, § 1, effective April 1, 2023; repealed by P.L. 2023, ch. 283, § 1, effective June 22, 2023; repealed by P.L. 2023, ch. 284, § 1, effective June 22, 2023.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-8.3 - Peer-To-Peer Car Sharing Program [REPEALED.] › Section 27-8.3-4. - [Repealed.]

§ 27-8.3-4. [Repealed.]
History of Section.
P.L. 2022, ch. 427, § 1, effective April 1, 2023; P.L. 2022, ch. 428, § 1, effective April 1, 2023; repealed by P.L. 2023, ch. 283, § 1, effective June 22, 2023; repealed by P.L. 2023, ch. 284, § 1, effective June 22, 2023.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-8.3 - Peer-To-Peer Car Sharing Program [REPEALED.] › Section 27-8.3-5. - [Repealed.]

§ 27-8.3-5. [Repealed.]
History of Section.
P.L. 2022, ch. 427, § 1, effective April 1, 2023; P.L. 2022, ch. 428, § 1, effective April 1, 2023; repealed by P.L. 2023, ch. 283, § 1, effective June 22, 2023; repealed by P.L. 2023, ch. 284, § 1, effective June 22, 2023.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-8.3 - Peer-To-Peer Car Sharing Program [REPEALED.] › Section 27-8.3-6. - [Repealed.]

§ 27-8.3-6. [Repealed.]
History of Section.
P.L. 2022, ch. 427, § 1, effective April 1, 2023; P.L. 2022, ch. 428, § 1, effective April 1, 2023; repealed by P.L. 2023, ch. 283, § 1, effective June 22, 2023; repealed by P.L. 2023, ch. 284, § 1, effective June 22, 2023.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-8.3 - Peer-To-Peer Car Sharing Program [REPEALED.] › Section 27-8.3-7. - [Repealed.]

§ 27-8.3-7. [Repealed.]
History of Section.
P.L. 2022, ch. 427, § 1, effective April 1, 2023; P.L. 2022, ch. 428, § 1, effective April 1, 2023; repealed by P.L. 2023, ch. 283, § 1, effective June 22, 2023; repealed by P.L. 2023, ch. 284, § 1, effective June 22, 2023.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-8.3 - Peer-To-Peer Car Sharing Program [REPEALED.] › Section 27-8.3-8. - [Repealed.]

§ 27-8.3-8. [Repealed.]
History of Section.
P.L. 2022, ch. 427, § 1, effective April 1, 2023; P.L. 2022, ch. 428, § 1, effective April 1, 2023; repealed by P.L. 2023, ch. 283, § 1, effective June 22, 2023; repealed by P.L. 2023, ch. 284, § 1, effective June 22, 2023.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-8.3 - Peer-To-Peer Car Sharing Program [REPEALED.] › Section 27-8.3-9. - [Repealed.]

§ 27-8.3-9. [Repealed.]
History of Section.
P.L. 2022, ch. 427, § 1, effective April 1, 2023; P.L. 2022, ch. 428, § 1, effective April 1, 2023; repealed by P.L. 2023, ch. 283, § 1, effective June 22, 2023; repealed by P.L. 2023, ch. 284, § 1, effective June 22, 2023.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-8.3 - Peer-To-Peer Car Sharing Program [REPEALED.] › Section 27-8.3-10. - [Repealed.]

§ 27-8.3-10. [Repealed.]
History of Section.
P.L. 2022, ch. 427, § 1, effective April 1, 2023; P.L. 2022, ch. 428, § 1, effective April 1, 2023; repealed by P.L. 2023, ch. 283, § 1, effective June 22, 2023; repealed by P.L. 2023, ch. 284, § 1, effective June 22, 2023.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-8.3 - Peer-To-Peer Car Sharing Program [REPEALED.] › Section 27-8.3-11. - [Repealed.]

§ 27-8.3-11. [Repealed.]
History of Section.
P.L. 2022, ch. 427, § 1, effective April 1, 2023; P.L. 2022, ch. 428, § 1, effective April 1, 2023; repealed by P.L. 2023, ch. 283, § 1, effective June 22, 2023; repealed by P.L. 2023, ch. 284, § 1, effective June 22, 2023.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-8.3 - Peer-To-Peer Car Sharing Program [REPEALED.] › Section 27-8.3-12. - [Repealed.]

§ 27-8.3-12. [Repealed.]
History of Section.
P.L. 2022, ch. 427, § 1, effective April 1, 2023; P.L. 2022, ch. 428, § 1, effective April 1, 2023; repealed by P.L. 2023, ch. 283, § 1, effective June 22, 2023; repealed by P.L. 2023, ch. 284, § 1, effective June 22, 2023.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-8.3 - Peer-To-Peer Car Sharing Program [REPEALED.] › Section 27-8.3-13. - [Repealed.]

§ 27-8.3-13. [Repealed.]
History of Section.
P.L. 2022, ch. 427, § 1, effective April 1, 2023; P.L. 2022, ch. 428, § 1, effective April 1, 2023; repealed by P.L. 2023, ch. 283, § 1, effective June 22, 2023; repealed by P.L. 2023, ch. 284, § 1, effective June 22, 2023.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-8.3 - Peer-To-Peer Car Sharing Program [REPEALED.] › Section 27-8.3-14. - [Repealed.]

§ 27-8.3-14. [Repealed.]
History of Section.
P.L. 2022, ch. 427, § 1, effective April 1, 2023; P.L. 2022, ch. 428, § 1, effective April 1, 2023; repealed by P.L. 2023, ch. 283, § 1, effective June 22, 2023; repealed by P.L. 2023, ch. 284, § 1, effective June 22, 2023.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-9 - Casualty Insurance Rating › Section 27-9-1. - Purpose of chapter.

§ 27-9-1. Purpose of chapter.
The purpose of this chapter is to promote the public welfare by regulating insurance rates to the end that they shall not be excessive, inadequate, or unfairly discriminatory, and to authorize and regulate cooperative action among insurers in rate making and in other matters within the scope of this chapter. Nothing in this chapter is intended to: (1) prohibit or discourage reasonable competition, or (2) prohibit or encourage, except to the extent necessary to accomplish the stated purpose of this chapter, uniformity in insurance rates, rating systems, or rating plans or practices. This chapter shall be liberally interpreted to carry into effect the provisions of this section.
History of Section.
P.L. 1948, ch. 2089, § 1; G.L. 1956, § 27-9-1.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-9 - Casualty Insurance Rating › Section 27-9-2. - Applicability.

§ 27-9-2. Applicability.
This chapter applies to casualty insurance, including fidelity, surety, and guaranty bonds, and to all other forms of motor vehicle insurance, on risks or operations in this state, except:
(1)
Reinsurance, other than joint reinsurance to the extent stated in §§ 27-9-34 and 27-9-35;
(2)
Accident and health insurance; and
(3)
Insurance against loss of or damage to aircraft, or against liability, other than workers’ compensation and employers’ liability, arising out of the ownership, maintenance, or use of aircraft.
History of Section.
P.L. 1948, ch. 2089, § 2; G.L. 1956, § 27-9-2.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-9 - Casualty Insurance Rating › Section 27-9-3. - Insurers covered — Election between regulatory laws.

§ 27-9-3. Insurers covered — Election between regulatory laws.
This chapter applies to all insurers, which, under any provision of the laws of this state, write any of the kinds of insurance to which this chapter applies. If any kind of insurance, or subdivision or combination of insurance, or type of coverage, subject to this chapter is also subject to regulation by another rate regulatory act of this state, an insurer to which both acts are applicable shall file with the insurance commissioner, referred to in this chapter as “the commissioner,” a designation as to which rate regulatory act shall be applicable to it with respect to that kind of insurance, or subdivision or combination of insurance, or type of coverage.
History of Section.
P.L. 1948, ch. 2089, § 2; G.L. 1956, § 27-9-3.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-9 - Casualty Insurance Rating › Section 27-9-4.1. - Repealed.

§ 27-9-4.1. Repealed.
History of Section.
P.L. 1982, ch. 369, § 1; Repealed by P.L. 2013, ch. 31, § 4, effective May 24, 2013; P.L. 2013, ch. 36, § 4, effective May 24, 2013.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-9 - Casualty Insurance Rating › Section 27-9-5. - Uniformity among insurers.

§ 27-9-5. Uniformity among insurers.
Except to the extent necessary to meet the provisions of § 27-9-4(a)(4), uniformity among insurers in any matter within the scope of § 27-9-4 is neither required nor prohibited.
History of Section.
P.L. 1948, ch. 2089, § 3; G.L. 1956, § 27-9-5.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-9 - Casualty Insurance Rating › Section 27-9-5.1. - Uniform safe driver point system.

§ 27-9-5.1. Uniform safe driver point system.
The director of the department of business regulation is authorized and empowered to promulgate rules and regulations regarding a uniform safe driver point system on either a flat dollar rate or on a percentage rate for motor vehicle accidents and/or motor vehicle convictions without regard to age, sex, or the location of the garaging of the motor vehicle. Those rules shall be promulgated in accordance with the Administrative Procedures Act, chapter 35 of title 42.
History of Section.
P.L. 1978, ch. 136, § 1; P.L. 2006, ch. 106, § 1; P.L. 2006, ch. 132, § 1.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-9 - Casualty Insurance Rating › Section 27-9-6. - Contracts as to commissions or compensation.

§ 27-9-6. Contracts as to commissions or compensation.
Nothing in §§ 27-9-4 and 27-9-5 or in this chapter shall abridge or restrict the freedom of contract between insurers and insurance producers with respect to commissions or between insurers and their employees or other persons with respect to compensation for goods or services.
History of Section.
P.L. 1948, ch. 2089, § 3; G.L. 1956, § 27-9-6.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-9 - Casualty Insurance Rating › Section 27-9-6.1. - Approval of policies.

§ 27-9-6.1. Approval of policies.
(a)
Every insurance company and every rating/advisory organization issuing policies covering casualty insurance provided for in this chapter shall file with the director a copy of the form of the policies proposing to use. A policy may not be issued until the director has approved the form.
(b)
Any policy form, subject to this chapter and filed by an insurer or rating/advisory organization on behalf of its members or subscribers with the director, shall be deemed public information at the time of filing.
History of Section.
P.L. 2002, ch. 175, § 2.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-9 - Casualty Insurance Rating › Section 27-9-7. - Filing of rate plans and systems.

§ 27-9-7. Filing of rate plans and systems.
Every insurer shall file with the commissioner every manual of classification, rule, rate, rating plan, rating system, and modification of any of these which it proposes to use; provided, that classification rates may be modified without additional filings to produce rates for individual risks which are lower than those filed and which evaluate variations in physical or moral hazards, individual risk experience, or expense provisions, and which are not inadequate or unfairly discriminatory. Every filing shall state the proposed effective date of the plan or system and shall indicate the character and extent of the coverage contemplated. When a filing is not accompanied by the information upon which the insurer supports that filing, and the commissioner does not have sufficient information to determine whether the filing meets the requirements of the chapter, the commissioner may require the insurer to furnish the information upon which it supports the filing. The information furnished in support of a filing 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, or (4) any other relevant factors. A filing and any supporting information shall be open to public inspection.
History of Section.
P.L. 1948, ch. 2089, § 4; G.L. 1956, § 27-9-7; P.L. 1968, ch. 286, § 1.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-9 - Casualty Insurance Rating › Section 27-9-7.1. - Premium reduction for completing a motor vehicle accident prevention course.

§ 27-9-7.1. Premium reduction for completing a motor vehicle accident prevention course.
(a)
Every schedule of rates, rating plan, or rating system for automobile liability and physical damage insurance filed with the commissioner shall provide for a reduction in premium charges for those persons fifty-five (55) years of age and older who successfully complete a motor vehicle accident prevention course approved by the division of motor vehicles. All insurers shall allow a reduction in the premium deemed appropriate by the commissioner to persons successfully completing that course.
(b)
Motor vehicle accident prevention courses shall be taught by instructors who may be members of the American Association of Retired Persons, and are certified or approved by the division of motor vehicles. Courses, may be approved which provide for a form of instruction, including, but not limited to, online courses, classroom, or driving instruction for a minimum number of hours determined by the division of motor vehicles. Instructors may or may not receive compensation.
(c)
Each person who completes an approved course shall be issued a certificate by the course sponsor, provided that person has no chargeable accidents or convictions within a three (3) year period. Any certificate issued shall be valid for a period of two (2) years from its issuance, provided the holder has had no chargeable accidents or convictions within a three (3) year period. Any person who desires to renew or extend a certificate shall be required to successfully complete another course.
(d)
Nothing provided in this section shall preclude an insurer from increasing the premium or charging an insured a surcharge for motor vehicle accidents and/or motor vehicle convictions during the two (2) year period for which a certificate was issued.
(e)
This section shall not apply to any group automobile insurance policy under which premiums are broadly averaged for the group rather than determined individually.
History of Section.
P.L. 1984, ch. 414, § 1; P.L. 2012, ch. 300, § 1; P.L. 2012, ch. 322, § 1.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-9 - Casualty Insurance Rating › Section 27-9-7.2. - Premium reduction for antitheft devices.

§ 27-9-7.2. Premium reduction for antitheft devices.
Every schedule of rates, rating plan, or rating system for automobile liability and physical damage insurance filed with the commissioner shall provide for an appropriate reduction in premium charges for vehicles equipped with an antitheft mechanism or device approved by the commissioner. The commissioner is authorized to promulgate rules and regulations to carry out the purpose of this section.
History of Section.
P.L. 1988, ch. 261, § 1.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-9 - Casualty Insurance Rating › Section 27-9-7.3. - Rating for nonbusiness policies.

§ 27-9-7.3. Rating for nonbusiness policies.
(a)
Notwithstanding the requirements of § 27-9-7, a filing made by an insurer under this section that provides for an overall statewide rate increase or decrease of no more than five percent (5%) in the aggregate for all coverages that are subject to the filing may take effect the date it is filed. The five percent (5%) limitation does not apply on an individual insured basis. No more than one rate filing may be made by an insurer pursuant to the expedited process provided in this subsection during any twelve (12) month period, unless a rate filing, when combined with any other rate filing or filings made by an insurer within the preceding twelve (12) months, does not result in an overall statewide increase or decrease of more than five percent (5%) in the aggregate for all coverages that are subject to the filing.
(b)
Rate filings falling outside of the limitation provided for in subsection (a) of this section shall be subject to § 27-9-9, unless those filings are other exempt from those provisions pursuant to another section of the insurance code.
(c)
A filing submitted pursuant to subsection (a) of this section is considered to comply with state law. However, if the commissioner of insurance determines that the filing is inadequate or unfairly discriminatory, he/she shall issue a written order specifying in detail the provisions of the insurance code the insurer has violated and the reasons the filing is inadequate or unfairly discriminatory and stating a reasonable future date on which the filing is to be considered no longer effective. An order by the commissioner pursuant to this subsection that is issued more than thirty (30) days from the date on which the commissioner received the rate filing is prospective only and does not affect any contract issued or made before the effective date of the order. For purposes of this act, “unfairly discriminatory” means a rate for a risk that is classified in whole or in part on the basis of race, color, creed or national origin.
(d)
No rate increase within the limitation specified in subsection (a) of this section may be implemented with regard to an individual existing policy, unless the increase is applied at the time of a renewal or conditional renewal of an existing policy and the insurer, at least thirty (30) days in advance of the end of the insured’s policy period, mails or delivers to the named insured, at the address shown in the policy, a written notice that clearly and conspicuously discloses its intention to change the rate. A notice of renewal or conditional renewal that clearly and conspicuously discloses the renewal premium applicable to the policy shall be deemed to be in compliance with this subsection.
History of Section.
P.L. 2004, ch. 481, § 1.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-9 - Casualty Insurance Rating › Section 27-9-7.4. - Automobile insurance — Persons on active duty in United States armed forces.

§ 27-9-7.4. Automobile insurance — Persons on active duty in United States armed forces.
An insurer shall not refuse to insure, or continue to insure, limit coverage available to, charge a reinstatement fee for, or increase the premiums for automobile insurance solely because a person failed to maintain insurance for a vehicle owned by the person during the six-month (6) period immediately preceding application if the person certifies, on a form provided by the insurer, that the lapse in coverage was because the person was on active duty in the armed forces of the United States for at least thirty (30) consecutive days and that the vehicle was not driven or moved during the six-month (6) period immediately preceding the application for insurance, or during the period of time the insurance was not maintained, whichever period is shorter.
History of Section.
P.L. 2016, ch. 376, § 4; P.L. 2016, ch. 392, § 4.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-9 - Casualty Insurance Rating › Section 27-9-8. - Filings by advisory organizations.

§ 27-9-8. Filings by advisory organizations.
(a)
An insurer may satisfy its obligation to make filings by becoming a member of, or a subscriber to, a licensed advisory organization which makes filings, and by authorizing the director to accept those filings on its behalf; provided, that nothing contained in this chapter shall be construed as requiring any insurer to become a member of, or a subscriber to, any advisory organization.
(b)
Every advisory organization shall file with the director for approval all prospective loss costs, provisions for special assessments, and all supplementary rating information and every change or amendment or modification of any of these proposed for use in this state. These filings shall be subject to the provisions of chapter 7.1 of this title, relating to workers’ compensation insurance.
History of Section.
P.L. 1948, ch. 2089, § 4; G.L. 1956, § 27-9-8; P.L. 1982, ch. 32, art. 5, § 1; P.L. 1985, ch. 365, § 19; P.L. 1987, ch. 579, § 1; P.L. 1998, ch. 148, § 4.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-9 - Casualty Insurance Rating › Section 27-9-8.1. - Advisory organization — Permitted activity.

§ 27-9-8.1. Advisory organization — Permitted activity.
Any advisory organization, in addition to other activities not prohibited, is authorized, on behalf of its members and subscribers, to:
(1)
Develop statistical plans including territorial and class definitions;
(2)
Collect statistical data from members, subscribers, or any other source;
(3)
Prepare and distribute prospective loss costs which may include provisions for special assessments;
(4)
Prepare and distribute factors, calculations, or formulas pertaining to classification, territory, increased limits, and other variables;
(5)
Prepare and distribute manuals of rating rules and rating schedules that do not include final rates, expense provisions, profit provisions, or minimum premiums;
(6)
Distribute information that is required or directed to be filed with the director;
(7)
Conduct research and collect statistics in order to discover, identify, and classify information relating to causes or prevention of losses;
(8)
Conduct research and collect information to determine the impact of statutory changes upon prospective loss costs and special assessments;
(9)
Prepare policy forms and endorsements and consult with members, subscribers, and others relative to their use and application;
(10)
Conduct research and on-site inspections for the purpose of providing risk information relating to individual structures;
(11)
Conduct on-site inspections to determine rating classifications for individual insured;
(12)
Establish a committee that may include insurance company representatives to review the determination of the rating classification for individual insured and suggest modifications to the classification system;
(13)
Collect, compile, and distribute past and current prices of individual insurers and publish that information;
(14)
Collect and compile exposure and loss experience for the purpose of individual risk experience ratings; and
(15)
Furnish any other services, as approved by the director, related to those services enumerated in this section.
History of Section.
P.L. 1998, ch. 148, § 5.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-9 - Casualty Insurance Rating › Section 27-9-8.2. - Applicability.

§ 27-9-8.2. Applicability.
Except as expressly provided in this chapter and chapter 7.1 of this title, the provisions of this chapter shall not apply to workers’ compensation insurance.
History of Section.
P.L. 1998, ch. 148, § 5.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-9 - Casualty Insurance Rating › Section 27-9-9. - Review of filings.

§ 27-9-9. Review of filings.
The commissioner shall review filings as soon as reasonably possible after they have been made in order to determine whether they meet the requirements of this chapter.
History of Section.
P.L. 1948, ch. 2089, § 4; G.L. 1956, § 27-9-9.
2023 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.
2023 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.
2023 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.
2023 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.
2023 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.
2023 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.
2023 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.
2023 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.
2023 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.
2023 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.