reglab/statecodes huggingface dataset:
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-9 - Casualty Insurance Rating › Section 27-9-19. - Hearings on application by persons aggrieved by filing — Order terminating filing — Removal of discrimination.

§ 27-9-19. Hearings on application by persons aggrieved by filing — Order terminating filing — Removal of discrimination.
(a)
Any person or organization aggrieved with respect to any rate or filing which is in effect may make a written application to the commissioner for a hearing; provided, that the insurer or rating organization that uses the rate or made the filing shall not be authorized to proceed under this section. The application shall specify the grounds to be relied upon by the applicant. If the commissioner shall find that the application is made in good faith, that the applicant would be aggrieved if his or her grounds are established, and that his or her grounds justify holding a hearing, the commissioner shall, within thirty (30) days after receipt of the application, hold a hearing upon not less than ten (10) days written notice to the applicant and to every insurer and rating organization which uses the rate or made the filing; provided, if a public hearing had been held concerning the rate or filing before it became effective, no hearing shall be held pursuant to this section unless the commissioner shall find that there has been a substantial change of circumstances since that hearing.
(b)
If, after the hearing, the commissioner finds that the rate or filing does not meet the requirements of this chapter, the commissioner shall issue an order specifying in what respects he or she finds that the rate or filing fails to meet the requirements of this chapter, and stating when, within a reasonable period after this, the rate shall no longer be used or the filing shall be deemed no longer effective. That order shall not affect any contract or policy made or issued prior to the expiration of the period set forth in the order. If the commissioner finds that an unfair discrimination exists in the application of a rate or filing to an individual risk the commissioner may, after a hearing held on similar notice to the insurer affected and to any rating organization which made the filing, issue an order that the discrimination be removed. Copies of any order issued pursuant to this section shall be sent to every affected insurer and rating organization.
History of Section.
P.L. 1948, ch. 2089, § 5; G.L. 1956, § 27-9-19; P.L. 1968, ch. 286, § 4.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-9 - Casualty Insurance Rating › Section 27-9-20. - Competitive rates as evidence of fairness — Profit as evidence of adequacy.

§ 27-9-20. Competitive rates as evidence of fairness — Profit as evidence of adequacy.
If the insurer making or issuing a contract or policy at a rate or premium less than that provided by any filing shall, at any hearing held pursuant to §§ 27-9-16 — 27-9-21, or pursuant to § 27-9-15, show to the satisfaction of the commissioner that the rate or premium was used in good faith to meet an equally low or lower net cost to the insured of a competitor, that showing shall be prima facie evidence that the rate or premium used is not unfairly discriminatory, and if the insurer using the rate or premium shall show to the satisfaction of the commissioner that it is writing a kind or class of insurance at a profit, that showing shall be prima facie evidence that the rate or premium used is not inadequate.
History of Section.
P.L. 1948, ch. 2089, § 5; G.L. 1956, § 27-9-20.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-9 - Casualty Insurance Rating › Section 27-9-21. - Filed schedules and plans not to be disapproved if rates meet requirements.

§ 27-9-21. Filed schedules and plans not to be disapproved if rates meet requirements.
No manual of classifications, rules, rating plan, or any modification of any of these which establishes standards for measuring variations in hazards or expense provisions, or both, and which has been filed pursuant to the requirements of §§ 27-9-7 — 27-9-15, shall be disapproved if the rates produced by it meet the requirements of this chapter.
History of Section.
P.L. 1948, ch. 2089, § 5; G.L. 1956, § 27-9-21.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-9 - Casualty Insurance Rating › Section 27-9-22. - Licensing of rating organization.

§ 27-9-22. Licensing of rating organization.
(a)
A corporation, an unincorporated association, a partnership, or an individual whether located within or outside this state may make an application to the commissioner for a license as a rating organization for those kinds of insurance or subdivisions of insurance specified in its application and shall file with the application:
(1)
A copy of its constitution, articles of agreement or association, or certificate of incorporation, and bylaws, rules, and regulations governing the conduct of its business;
(2)
A list of its members and subscribers;
(3)
The name and address of a resident of this state upon whom notices or orders of the commissioner or process affecting the rating organization may be served; and
(4)
A statement of its qualifications as a rating organization.
(b)
If the commissioner finds that the applicant is competent, trustworthy, and qualified to act as a rating organization and that its constitution, articles of agreement or association, or certificate of incorporation, and bylaws, rules, and regulations governing the conduct of its business conform to the requirements of law, the commissioner shall issue a license specifying the kinds of insurance or subdivisions of insurance for which the applicant is authorized to act as a rating organization. Every application shall be granted or denied in whole or in part by the commissioner within sixty (60) days of the date of its filing with him or her. Licenses issued pursuant to this section shall remain in effect for three (3) years unless sooner suspended or revoked by the commissioner. The fee for the license shall be three hundred dollars ($300). All in force licenses shall be transitioned into a three (3) year licensing cycle beginning June 1, 2006, to expire every three (3) years thereafter. License fees may be prorated for the initial renewal period as deemed appropriate by the director.
(c)
Licenses issued pursuant to this section may be suspended or revoked by the commissioner, after a hearing upon notice, in the event the rating organization ceases to meet the requirements of this section. Every rating organization shall notify the commissioner promptly of every change in:
(1)
Its constitution, articles of agreement or association or certificate of incorporation, and bylaws, rules, and regulations governing the conduct of its business;
(2)
Its list of members and subscribers; and
(3)
The name or address of the resident of this state designated by it upon whom notices or orders of the commissioner or process affecting the rating organization may be served.
History of Section.
P.L. 1948, ch. 2089, § 6; G.L. 1956, § 27-9-22; P.L. 1960, ch. 71, art. 1, § 4; P.L. 1993, ch. 138, art. 62, § 12; P.L. 2005, ch. 174, § 4.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-9 - Casualty Insurance Rating › Section 27-9-23. - Admission of and services to subscribers.

§ 27-9-23. Admission of and services to subscribers.
Subject to rules and regulations which have been approved by the commissioner as reasonable, each rating organization shall permit any insurer not a member to be a subscriber to its rating services for any kind of insurance or subdivision of insurance for which it is authorized to act as a rating organization. Notice of proposed changes in those rules and regulations shall be given to subscribers. Each rating organization shall furnish its rating services without discrimination to its members and subscribers. The reasonableness of any rule or regulation in its application to subscribers, or the refusal of any rating organization to admit an insurer as a subscriber, shall, at the request of any subscriber or any affected insurer, be reviewed by the commissioner at a hearing held upon at least ten (10) days written notice to the rating organization and to the subscriber or insurer. If the commissioner finds that the rule or regulation is unreasonable in its application to subscribers, the commissioner shall order that the rule or regulation shall not be applicable to subscribers. If the rating organization fails to grant or reject an insurer’s application for subscribership within thirty (30) days after it was made, the insurer may request a review by the commissioner as if the application had been rejected. If the commissioner finds that the insurer has been refused admittance to the rating organization as a subscriber without justification, the commissioner shall order the rating organization to admit the insurer as a subscriber. If the commissioner finds that the action of the rating organization was justified, the commissioner shall make an order affirming its action.
History of Section.
P.L. 1948, ch. 2089, § 6; G.L. 1956, § 27-9-23.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-9 - Casualty Insurance Rating › Section 27-9-24. - Regulation by rating organization of payments by insurers to policyholders or members.

§ 27-9-24. Regulation by rating organization of payments by insurers to policyholders or members.
No rating organization shall adopt any rule the effect of which would be to prohibit or regulate the payment of dividends, savings, or unabsorbed premium deposits allowed or returned by insurers to their policyholders, members, or subscribers.
History of Section.
P.L. 1948, ch. 2089, § 6; G.L. 1956, § 27-9-24.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-9 - Casualty Insurance Rating › Section 27-9-25. - Cooperation among organizations and insurers — Review of cooperative practices.

§ 27-9-25. Cooperation among organizations and insurers — Review of cooperative practices.
Cooperation among rating organizations or among rating organizations and insurers and concert of action among insurers under the same general management or control in rate making or in other matters within the scope of this chapter are authorized, provided the filings resulting from that cooperation are subject to all of the provisions of this chapter which are applicable to filing generally. The commissioner may review cooperative activities and practices and if, after a hearing, he or she finds that any cooperative activity or practice is unfair or unreasonable or inconsistent with the provisions of this chapter, the commissioner may issue a written order specifying in what respects that activity or practice is unfair or unreasonable or inconsistent with the provisions of this chapter, and requiring the discontinuance of that activity or practice.
History of Section.
P.L. 1948, ch. 2089, § 6; G.L. 1956, § 27-9-25.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-9 - Casualty Insurance Rating › Section 27-9-26. - Adherence to rating organization filings — Deviation filings.

§ 27-9-26. Adherence to rating organization filings — Deviation filings.
Every member of or subscriber to a rating organization shall adhere to the filings made on its behalf by the organization, except that any affected insurer may file with the commissioner a uniform percentage decrease or increase to be applied to the premiums produced by the rating system filed for a kind of insurance or for a class of insurance which is found by the commissioner to be a proper rating unit for the application of the uniform percentage decrease or increase or for a subdivision of a kind of insurance: (1) comprised of a group of manual classifications which is treated as a separate unit for rate making purposes, or (2) for which separate expense provisions are included in the filings of the rating organization. The deviation filing shall specify the basis for the modification and shall be accompanied by the data upon which the applicant relies. A copy of the filing and data shall be sent simultaneously to the rating organization. Any deviation developing a lower rate than filed by the rating organization may be utilized immediately by the member or subscriber developing the decrease. Any eventual return to the rate level as authorized for the rating organization, from which a lower deviation has been made, shall also be accomplished by submitting simultaneously to the insurance commissioner and the rating organization a copy of the filing and data.
History of Section.
P.L. 1948, ch. 2089, § 6; G.L. 1956, § 27-9-26; P.L. 1978, ch. 134, § 1.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-9 - Casualty Insurance Rating › Section 27-9-27. - Appeals from action of rating organization on changes in filings.

§ 27-9-27. 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 the action or decision of the rating organization in the promulgation of rates or with regard to 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 or disapproving the action or decision of the rating organization. Provided, that 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, 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)
If the appeal is based upon the failure of the rating organization to make a filing on behalf of any member or subscriber which is based on a system of expense provisions which differs in accordance with the right granted in § 27-9-4(a)(2) from the system of expense provisions included in a filing made by the rating organization, the commissioner shall, if he or she grants the appeal, order the rating organization to make the requested filing for use by the appellant. In deciding the appeal, the commissioner shall apply the standards set forth in §§ 27-9-4 — 27-9-6.
History of Section.
P.L. 1948, ch. 2089, § 7; G.L. 1956, § 27-9-27.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-9 - Casualty Insurance Rating › Section 27-9-28. - Rate information furnished to insured.

§ 27-9-28. Rate information furnished to insured.
Any rate filings subject to this chapter and filed by an insurer or rating organization on behalf of its members or subscribers with the insurance commissioner shall be deemed public information at the time of the filing; provided, the insurance commissioner shall furnish the rate filings and all pertinent information as to the rate filings, upon written request, to any insured, to any authorized representative of an insured, to any insurance company trade association, or to any trade association of insurance producers.
History of Section.
P.L. 1948, ch. 2089, § 8; G.L. 1956, § 27-9-28; P.L. 1992, ch. 267, § 2.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-9 - Casualty Insurance Rating › Section 27-9-29. - Review of application of rating system to insured.

§ 27-9-29. 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 by which 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 to 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 applicant’s application had been rejected. Any party affected by the action of the rating organization or insurer on that party’s 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. 2089, § 8; G.L. 1956, § 27-9-29.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-9 - Casualty Insurance Rating › Section 27-9-30. - “Advisory organization” defined.

§ 27-9-30. “Advisory organization” defined.
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 this chapter, shall be known as an advisory organization.
History of Section.
P.L. 1948, ch. 2089, § 9; G.L. 1956, § 27-9-30.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-9 - Casualty Insurance Rating › Section 27-9-31. - Documents filed by advisory organizations.

§ 27-9-31. Documents filed by advisory organizations.
Every advisory organization shall file with the commissioner:
(1)
A copy of its constitution, articles of agreement or association, or certificate of incorporation, and 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 commissioner or process issued at the commissioner’s direction may be served; and
(4)
An agreement that the commissioner may examine that advisory organization in accordance with the provisions of §§ 27-9-36 and 27-9-37.
History of Section.
P.L. 1948, ch. 2089, § 9; G.L. 1956, § 27-9-31.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-9 - Casualty Insurance Rating › Section 27-9-32. - Unlawful practices of advisory organizations.

§ 27-9-32. Unlawful practices of advisory organizations.
If, after a hearing, the commissioner finds that the furnishing of information or assistance by an advisory organization involves any act or practice which is unfair or unreasonable or inconsistent with the provisions of this chapter, the commissioner may issue a written order specifying in what respects the act or practice is unfair or unreasonable or inconsistent with the provisions of this chapter, and requiring the discontinuance of the act or practice.
History of Section.
P.L. 1948, ch. 2089, § 9; G.L. 1956, § 27-9-32.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-9 - Casualty Insurance Rating › Section 27-9-33. - Use of information from noncomplying advisory organization.

§ 27-9-33. Use of information from noncomplying advisory organization.
No insurer which makes its own filings or any 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 §§ 27-9-30 — 27-9-32, or with an order of the commissioner involving statistics or recommendations issued under § 27-9-32. If the commissioner finds any insurer or rating organization to be in violation of this section the commissioner may issue an order requiring the discontinuance of that violation.
History of Section.
P.L. 1948, ch. 2089, § 9; G.L. 1956, § 27-9-33.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-9 - Casualty Insurance Rating › Section 27-9-34. - Provisions applicable to joint underwriting and reinsurance.

§ 27-9-34. Provisions applicable to joint underwriting and reinsurance.
Every group, association, or other organization of insurers which engages in joint underwriting or joint reinsurance shall be subject to regulation with respect to them as provided in § 27-9-35, subject, with respect to joint underwriting, to all other provisions of this chapter and, with respect to joint reinsurance, to §§ 27-9-36, 27-9-37, and 27-9-44 — 27-9-50.
History of Section.
P.L. 1948, ch. 2089, § 10; G.L. 1956, § 27-9-34.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-9 - Casualty Insurance Rating › Section 27-9-35. - Unlawful joint underwriting or reinsurance practices.

§ 27-9-35. Unlawful joint underwriting or reinsurance practices.
If, after a hearing, the commissioner finds that any activity or practice of any joint underwriting or reinsurance group, association, or other organization is unfair or unreasonable or inconsistent with the provisions of this chapter, the commissioner may issue a written order specifying in what respects the activity or practice is unfair or unreasonable or inconsistent with the provisions of this chapter, and requiring the discontinuance of the activity or practice.
History of Section.
P.L. 1948, ch. 2089, § 10; G.L. 1956, § 27-9-35.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-9 - Casualty Insurance Rating › Section 27-9-36. - Examination of rating and advisory organizations and underwriting and reinsurance groups.

§ 27-9-36. Examination of rating and advisory organizations and underwriting and reinsurance groups.
The commissioner may, as often as he or she may deem it necessary, make or cause to be made an examination of each rating organization licensed in this state as provided in § 27-9-22 and the commissioner may, as often as he or she may deem it expedient, make or cause to be made an examination of each advisory organization referred to in § 27-9-30 and of each group, association, or other organization referred to in § 27-9-34, including any workers’ compensation assigned risk servicing carrier or carriers. All such examinations shall be performed in accordance with the requirements of § 27-13.1-1 et seq. The officers, managers, agents, and employees of any rating organization, advisory organization, or group, association, or other organization of insurers, including workers’ compensation assigned risk servicing carrier or carriers, may be examined at any time under oath and shall exhibit all books, records, accounts, documents, or agreements governing its method of operation. In lieu of any examination the commissioner may accept the report of an examination made by the insurance supervisory official of another state, pursuant to the laws of that state.
History of Section.
P.L. 1948, ch. 2089, § 11; G.L. 1956, § 27-9-36; P.L. 1960, ch. 71, art. 1, § 4; P.L. 1992, ch. 31, § 26; P.L. 2008, ch. 371, § 3.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-9 - Casualty Insurance Rating › Section 27-9-37. - Reports on examinations — Hearing and filing.

§ 27-9-37. Reports on examinations — Hearing and filing.
The commissioner shall prepare a report of any examination referred to in § 27-9-36 and shall, within a reasonable time following completion of that report, furnish each rating organization, advisory organization, or group, association, or other organization examined with a copy of it. Any rating organization, advisory organization, or group, association, or other organization may, within thirty (30) days after the receipt of a copy of the report, request the commissioner for a hearing, which shall be held by the commissioner upon ten (10) days written notice to the rating organization, advisory organization, group, association, or other organization. Following the hearing the commissioner may affirm, modify, or withdraw his or her report. Any report, or modification of a report, shall be filed following the hearing in the office of the commissioner as a public record, or if no hearing is requested within the period of thirty (30) days, the report shall be filed at the expiration of that period.
History of Section.
P.L. 1948, ch. 2089, § 11; G.L. 1956, § 27-9-37.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-9 - Casualty Insurance Rating › Section 27-9-38. - Collection and compilation of experience data.

§ 27-9-38. Collection and compilation of experience data.
The commissioner shall promulgate reasonable rules and statistical plans reasonably adapted to each of the rating systems on file with the commissioner, which may be modified and which shall be used after this 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 a form and detail as may be necessary to aid him or her in determining whether rating systems comply with the standards set forth in §§ 27-9-4 — 27-9-6. Those rules and plans may also provide for the recording and reporting of expense experience items which are specially applicable to the state and are not susceptible of determination by a prorating of country wide expense experience. In promulgating those rules and plans, the commissioner shall give due consideration to the rating systems on file with him or her and, in order that those 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 the rating systems in other states. No insurer shall be required to record or report its loss experience on a classification basis that is inconsistent with the rating system filed by it. The commissioner may designate one or more rating organizations or other agencies to assist the commissioner in gathering that experience and making compilations of it, and those compilations shall be made available, subject to reasonable rules promulgated by the commissioner, to insurers and rating organizations.
History of Section.
P.L. 1948, ch. 2089, § 12; G.L. 1956, § 27-9-38.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-9 - Casualty Insurance Rating › Section 27-9-39. - Interchange of rating plan data.

§ 27-9-39. Interchange of rating plan data.
Reasonable rules and plans may be promulgated by the commissioner for the interchange of data necessary for the application of rating plans.
History of Section.
P.L. 1948, ch. 2089, § 12; G.L. 1956, § 27-9-39.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-9 - Casualty Insurance Rating › Section 27-9-40. - Cooperation with other states.

§ 27-9-40. Cooperation with other states.
In order to further the uniform administration of rate regulatory laws, the commissioner and every insurer and rating organization may exchange information and experience data with insurance supervisory officials, insurers, and rating organizations in other states and may consult and cooperate with them with respect to rate making and the application of rating systems.
History of Section.
P.L. 1948, ch. 2089, § 12; G.L. 1956, § 27-9-40.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-9 - Casualty Insurance Rating › Section 27-9-41. - Rules and regulations.

§ 27-9-41. Rules and regulations.
The commissioner may make reasonable rules and regulations necessary to effect the purposes of this chapter.
History of Section.
P.L. 1948, ch. 2089, § 12; G.L. 1956, § 27-9-41.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-9 - Casualty Insurance Rating › Section 27-9-42. - False or misleading information.

§ 27-9-42. False or misleading information.
No person or organization shall willfully withhold information from or knowingly give false or misleading information to the commissioner, to any statistical agency designated by the commissioner, to any rating organization, or to any insurer, which will affect the rates or premiums chargeable under this chapter. A violation of this section shall subject the one guilty of that violation to the penalties provided in §§ 27-9-45 and 27-9-46.
History of Section.
P.L. 1948, ch. 2089, § 13; G.L. 1956, § 27-9-42.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-9 - Casualty Insurance Rating › Section 27-9-43. - Assigned risk agreements — Modification of rates.

§ 27-9-43. Assigned risk agreements — Modification of rates.
(a)
Agreements may be made among insurers with respect to the equitable apportionment among them of insurance which may be afforded applicants who are in good faith entitled to but who are unable to procure insurance through ordinary methods, and insurers may agree among themselves on the use of reasonable rate modifications for that insurance, those agreements and rate modifications to be subject to the approval of the commissioner.
(b)
All of the manuals of classifications, rules and rates, rating plans, and rating systems, and every modification of these, to be used by insurers pursuant to assigned risk agreements shall be filed with the commissioner pursuant to § 27-9-8 and shall be used by all insurers writing workers’ compensation and employers’ liability insurance in this state, notwithstanding any provision of § 27-9-8 to the contrary.
History of Section.
P.L. 1948, ch. 2089, § 14; G.L. 1956, § 27-9-43; P.L. 1982, ch. 32, art. 5, § 1.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-9 - Casualty Insurance Rating › Section 27-9-44. - [Repealed.]

§ 27-9-44. [Repealed.]
History of Section.
P.L. 1948, ch. 2089, § 15; G.L. 1956, § 27-9-44; repealed by P.L. 2022, ch. 404, § 11, effective June 30, 2022; repealed by P.L. 2022, ch. 405, § 11, effective June 30, 2022.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-9 - Casualty Insurance Rating › Section 27-9-45. - Penalty for violations.

§ 27-9-45. Penalty for violations.
Any person or organization willfully violating any provision of this chapter shall, upon their conviction, be fined not less than one hundred dollars ($100) and not more than five hundred dollars ($500) for each violation. That penalty may be in addition to any other penalty provided by law.
History of Section.
P.L. 1948, ch. 2089, § 16; G.L. 1956, § 27-9-45.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-9 - Casualty Insurance Rating › Section 27-9-46. - Suspension or revocation of licenses.

§ 27-9-46. Suspension or revocation of licenses.
(a)
The commissioner may suspend the license of any rating organization or insurer, which fails to comply with an order of the commissioner within the time limited by that order, or any extension of time which the commissioner may grant. The commissioner shall not suspend the license of any rating organization or insurer for failure to comply with an order until the time prescribed for an appeal has expired or, if an appeal has been taken, until the order has been affirmed.
(b)
The commissioner may determine when a suspension of a license shall become effective and it shall remain in effect for the period fixed by the commissioner, unless he or she modifies or rescinds the suspension, or until the order upon which the suspension is based is modified, rescinded, or reversed.
(c)
No license shall be suspended or revoked except upon a written order of the commissioner, stating his or her findings, made after a hearing held upon not less than ten (10) days written notice to the person or organization affected specifying the alleged violation.
History of Section.
P.L. 1948, ch. 2089, § 16; G.L. 1956, § 27-9-46.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-9 - Casualty Insurance Rating › Section 27-9-47. - Hearings on rules and decisions of commissioner.

§ 27-9-47. Hearings on rules and decisions of commissioner.
Any insurer or rating organization aggrieved by any order or decision of the commissioner or by any rule or regulation adopted and promulgated by the commissioner may within thirty (30) days after notice to the insurer or organization make a written request to the commissioner for a hearing, except that a hearing provided for by §§ 27-9-16 — 27-9-21 shall be held as provided in those sections. Within twenty (20) days after the receipt of that written request the commissioner shall hear the party or parties and shall give not less than ten (10) days written notice of the time and place of the hearing. Within fifteen (15) days after the hearing the commissioner shall affirm, reverse, or modify his or her previous action, specifying his or her reasons. Pending the hearing and decision the commissioner may suspend or postpone the effective date of his or her previous action.
History of Section.
P.L. 1948, ch. 2089, § 17; G.L. 1956, § 27-9-47.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-9 - Casualty Insurance Rating › Section 27-9-50. - Severability.

§ 27-9-50. Severability.
If any section, subsection, subdivision, paragraph, sentence, or clause of this chapter is held invalid or unconstitutional, that decision shall not affect the remaining portions of this chapter.
History of Section.
P.L. 1948, ch. 2089, § 19; G.L. 1956, § 27-9-50.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-9 - Casualty Insurance Rating › Section 27-9-51. - Repealed.

§ 27-9-51. Repealed.
History of Section.
P.L. 1982, ch. 32, art. 4, § 1; P.L. 2002, ch. 292, § 25; Repealed by P.L. 2017, ch. 195, § 1, effective July 18, 2017; P.L. 2017, ch. 372, § 1, effective October 4, 2017.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-9 - Casualty Insurance Rating › Section 27-9-52. - Assessment for costs of rate filings, review, and pricing.

§ 27-9-52. Assessment for costs of rate filings, review, and pricing.
The director of the department of business regulation may appoint actuaries and any other required administrative personnel to assist the director in the performance of his or her duties relating to the evaluation of rate filings, reviews, and pricing procedures of insurers; the actuaries and other administrative personnel shall serve under the direction of the director and shall be removable at the director’s pleasure. The director is authorized to enter into contracts with consultants for the purpose of studying rate filings, reviews, and pricing procedures of insurers. Insurance companies doing insurance in this state shall be assessed according to a schedule of their direct writings of insurance in this state to pay for the compensation of the actuaries, consultants, and other administrative personnel retained hereunder. This assessment shall comply with the provisions pursuant to chapter 37 of title 28.
History of Section.
P.L. 1982, ch. 32, art. 5, § 2; P.L. 1989, ch. 126, art. 34, § 1; P.L. 1999, ch. 31, art. 8, § 5; P.L. 1999, ch. 216, § 4; P.L. 1999, ch. 384, § 4; P.L. 2005, ch. 174, § 4.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-9 - Casualty Insurance Rating › Section 27-9-53. - Motor vehicle insurance rate increases relating to violations and accidents.

§ 27-9-53. Motor vehicle insurance rate increases relating to violations and accidents.
Any insurance group, carrier, or company, in establishing any rate of insurance or rating system relative to a motor vehicle policy which provides for premium or rate increases based on accidents or moving or other chargeable violations, shall consider and include in those rates or rating system only those accidents or moving or other chargeable violations, which have occurred within three (3) years of the most recent accident or moving or other chargeable violation.
History of Section.
P.L. 1989, ch. 512, § 1.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-9 - Casualty Insurance Rating › Section 27-9-54. - Rules and regulations — Auto insurance buyer’s guide.

§ 27-9-54. Rules and regulations — Auto insurance buyer’s guide.
(a)
The director of the department of business regulation is authorized and empowered to promulgate rules and regulations to compile data regarding automobile insurance premiums. Those rules shall be promulgated in accordance with the Administrative Procedures Act, chapter 35 of title 42.
(b)
The director of the department of business regulation shall formulate a plan for the publication of the automobile insurance premiums, including but not limited to, an automobile insurance buyer’s guide and rate comparison booklet.
History of Section.
P.L. 1993, ch. 152, § 1.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-9 - Casualty Insurance Rating › Section 27-9-55. - Repealed.

§ 27-9-55. Repealed.
History of Section.
P.L. 1993, ch. 152, § 1; Repealed by P.L. 2011, ch. 158, § 2, effective June 30, 2011; P.L. 2011, ch. 274, § 2, effective July 12, 2011.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-9.1 - Unfair Claims Settlement Practices Act › Section 27-9.1-1. - Purpose.

§ 27-9.1-1. Purpose.
The purpose of this chapter is to set forth standards for the investigation and disposition of claims arising under policies or certificates of insurance issued to residents of Rhode Island. It is not intended to cover claims involving workers’ compensation, fidelity, suretyship or boiler and machinery insurance. Nothing contained in this chapter shall be construed to create or imply a private cause of action for violation of this chapter.
History of Section.
P.L. 1993, ch. 37, § 1; P.L. 1993, ch. 227, § 1.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-9.1 - Unfair Claims Settlement Practices Act › Section 27-9.1-2. - Definitions.

§ 27-9.1-2. Definitions.
When used in this chapter:
(1)
“Director” means the director of business regulation;
(2)
“Insured” means the party named on a policy or certificate as the individual with legal rights to the benefits provided by the policy;
(3)
“Insurer” means any person, reciprocal exchange, inter-insurer, Lloyds insurer, fraternal benefit society, and any other legal entity engaged in the business of insurance, including insurance producers, adjusters and third party administrators. Insurer shall also mean a nonprofit hospital and/or medical service corporation, a nonprofit dental service corporation, a nonprofit optometric service corporation, a nonprofit legal service corporation, a health maintenance organization as defined in chapter 41 of this title or as defined in chapter 62 of title 42, or any other entity providing a plan of health benefits subject to state insurance regulation. Notwithstanding §§ 27-19-2, 27-20-2, 27-20.1-2, 27-20.2-2, 27-20.3-2, and 27-41-22, for purposes of this chapter, these entities shall be deemed to be engaged in the business of insurance;
(4)
“Person” means any natural or artificial entity, including, but not limited to, individuals, partnerships, associations, trusts, or corporations; and
(5)
“Policy” or “certificate” means any contract of insurance, indemnity, medical, health or hospital service, or annuity issued. “Policy” or “certificate” for the purposes of this chapter shall not mean contracts or workers’ compensation, fidelity, suretyship or boiler and machinery insurance.
History of Section.
P.L. 1993, ch. 37, § 1; P.L. 1993, ch. 227, § 1.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-9.1 - Unfair Claims Settlement Practices Act › Section 27-9.1-3. - Unfair claims settlement practices prohibited.

§ 27-9.1-3. Unfair claims settlement practices prohibited.
It is an improper claims practice for any domestic, foreign, or alien insurer transacting business in this state to commit any act defined in § 27-9.1-4 of this chapter if:
(1)
It is committed flagrantly and in conscious disregard of this chapter or any rules promulgated pursuant to this chapter; or
(2)
It has been committed with a frequency as to indicate a general business practice to engage in that type of conduct.
History of Section.
P.L. 1993, ch. 37, § 1; P.L. 1993, ch. 227, § 1.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-9.1 - Unfair Claims Settlement Practices Act › Section 27-9.1-4.1. - Amounts received in settlement of claims retained for unpaid premiums.

§ 27-9.1-4.1. Amounts received in settlement of claims retained for unpaid premiums.
(a)
Any insurance company or insurance producer may retain an amount equal to any unpaid premiums due on the policy under which a claim is being presented when settling any presented claim for an insured; provided, that:
(1)
The unpaid premium remains unpaid sixty (60) days after the effective date of the policy or the date of the original billing of the premium, whichever occurs later;
(2)
The insurance company shall pay to the insurance producer, upon written documentation submitted by the insurance agent or broker of the unpaid premium due, the amount equal to the unpaid premium due the insurance producer from the amount of the claim being presented and the balance of the claim be paid to the insured and/or loss payee or mortgagee named in the policy.
(b)
This section shall not apply to any health insurance policy within the state.
History of Section.
P.L. 2005, ch. 69, § 4; P.L. 2005, ch. 79, § 4.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-9.1 - Unfair Claims Settlement Practices Act › Section 27-9.1-5. - Response and statement of charges.

§ 27-9.1-5. Response and statement of charges.
The director shall provide an initial response within two (2) weeks to any written consumer complaint containing specific and credible allegation of an unfair claims settlement practice punishable pursuant to this chapter. Whenever the director has reasonable cause to believe that any insurer doing business in this state is engaging in any unfair claims practice and that a proceeding in respect to the practice would be in the public interest, the director shall issue and serve upon the insurer a statement of the charges in that respect and a notice of hearing, which notice shall set a hearing date not less than thirty (30) days from the date of the notice.
History of Section.
P.L. 1993, ch. 37, § 1; P.L. 1993, ch. 227, § 1.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-9.1 - Unfair Claims Settlement Practices Act › Section 27-9.1-6. - Cease and desist and penalty orders.

§ 27-9.1-6. Cease and desist and penalty orders.
If, after a hearing, the director finds an insurer has engaged in an unfair claims practice, the director shall reduce the findings to writing and shall issue and cause to be served upon the insurer charged with the violation a copy of the findings and an order requiring the insurer to cease and desist from engaging in the act or practice and the director may, at the director’s discretion, order:
(1)
Payment of a monetary penalty of not more than ten thousand dollars ($10,000) for each violation, but not to exceed an aggregate penalty of one hundred thousand dollars ($100,000), unless the violation was committed flagrantly and in conscious disregard of this chapter, in which case the penalty shall not be more than twenty-five thousand dollars ($25,000) for each violation, but not to exceed an aggregate penalty of two hundred fifty thousand dollars ($250,000) pursuant to any hearing; and/or
(2)
Suspension or revocation of the insurer’s license if the insurer knew or reasonably should have known it was in violation of this chapter.
History of Section.
P.L. 1993, ch. 37, § 1; P.L. 1993, ch. 227, § 1.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-9.1 - Unfair Claims Settlement Practices Act › Section 27-9.1-7. - Penalty for violation of cease and desist orders.

§ 27-9.1-7. Penalty for violation of cease and desist orders.
Any insurer which violates a cease and desist order of the director and, while the order is in effect, may, after notice and hearing and upon order of the director, be subject, at the discretion of the director, to:
(1)
A monetary penalty of not more than twenty-five thousand dollars ($25,000) for each and every act or violation not to exceed an aggregate of two hundred fifty thousand dollars ($250,000) pursuant to any hearing; and/or
(2)
Suspension or revocation of the insurer’s license.
History of Section.
P.L. 1993, ch. 37, § 1; P.L. 1993, ch. 227, § 1.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-9.1 - Unfair Claims Settlement Practices Act › Section 27-9.1-8. - Regulations.

§ 27-9.1-8. Regulations.
The director may, after notice and a hearing, promulgate reasonable rules, regulations, and orders as are necessary or proper to carry out and effectuate the provisions of this chapter. The regulations shall be subject to review in accordance with § 42-35-7.
History of Section.
P.L. 1993, ch. 37, § 1; P.L. 1993, ch. 227, § 1.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-9.1 - Unfair Claims Settlement Practices Act › Section 27-9.1-9. - Severability.

§ 27-9.1-9. Severability.
If any provision of this chapter or the application of the provision to any person or circumstances shall be held invalid, the remainder of the chapter and the application of the provision to any person or circumstances other than those as to which it is held invalid shall not be affected by that invalidity.
History of Section.
P.L. 1993, ch. 37, § 1; P.L. 1993, ch. 227, § 1.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-9.2 - Independent Medical Examinations › Section 27-9.2-1. - Independent medical examinations.

§ 27-9.2-1. Independent medical examinations.
When the medical condition of a person is material to a first or third party automobile insurance claim that has been or may be made for past or future medical payment benefits, the person shall submit to a noninvasive medical examination by physicians. Every automobile insurance policy issued in this state shall include reasonable provisions for an examination of persons claiming medical payment benefits.
History of Section.
P.L. 1993, ch. 184, § 1.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-9.2 - Independent Medical Examinations › Section 27-9.2-2. - Appointment of independent medical examiner.

§ 27-9.2-2. Appointment of independent medical examiner.
(a)
When a person is required to submit to an independent medical examination pursuant to § 27-9.2-1, the examination will be conducted by an impartial, competent physician approved by the medical advisory board of the workers’ compensation court, as defined in § 28-30-22.
(b)
The expense of the examination shall be paid by the automobile insurance company making the request for the examination.
History of Section.
P.L. 1993, ch. 184, § 1.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-9.2 - Independent Medical Examinations › Section 27-9.2-3. - Reports of independent medical examinations.

§ 27-9.2-3. Reports of independent medical examinations.
If requested by a person examined, a party causing an examination to be made shall deliver to the person a copy of every written report concerning the examination rendered by an examining physician, at least one of which reports shall set out any findings and conclusions in detail. The person shall receive a copy of the findings of the independent medical examination within thirty (30) days of the request.
History of Section.
P.L. 1993, ch. 184, § 1.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-9.2 - Independent Medical Examinations › Section 27-9.2-4. - “Physician” defined.

§ 27-9.2-4. “Physician” defined.
“Physician” as used in this chapter means medical doctor, surgeon, dentist, chiropractor, osteopath, podiatrist and optometrist.
History of Section.
P.L. 1993, ch. 184, § 1.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-9.2 - Independent Medical Examinations › Section 27-9.2-5. - Rules and regulations.

§ 27-9.2-5. Rules and regulations.
The insurance commissioner may promulgate rules and regulations to carry out the purposes of this chapter.
History of Section.
P.L. 1993, ch. 184, § 1.
2023 Rhode Island General Laws › Title 27 - Insurance › Chapter 27-9.3 - State Structured Settlement Protection Act › Section 27-9.3-1. - Short title.

§ 27-9.3-1. Short title.
This chapter shall be known and referred to as the “Structured Settlement Protection Act.”
History of Section.
P.L. 2001, ch. 226, § 1.