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CHAPTER 58-24

FIRE, MARINE, CASUALTY, AND SURETY INSURANCE RATES AND RATING
ORGANIZATIONS

58-24-1      Purpose of chapter.
58-24-2      Application of chapter.
58-24-3      Insurance to which chapter does not apply.
58-24-4      Making of rates--Provisions governing.
58-24-5      Excessive, inadequate, or discriminatory rates prohibited.
58-24-6      Making of rates--Matters considered.
58-24-6.1      Failure of rate to reflect difference in expected losses and expenses as unfair discrimination--Averaged group rates not unfairly discriminatory.
58-24-7      Risks grouped by classification for rate-making--Modification of classification rates.
58-24-8      System of expense provisions used in rate-making--Reflection of operating methods.
58-24-9      Uniformity as to rates not required.
58-24-10      Filing of rates with director--Effective date--Character and extent of coverage--Exceptions.
58-24-10.1      Rating rules required to be filed with director--Filing date--Supporting information required.
58-24-10.2      Rate information required to be filed prior to effective date on finding that closer supervision is required--Extension of waiting period--Approval or disapproval.
58-24-11      Repealed.
58-24-12      Satisfaction of insurer's obligations by becoming member of or subscriber to licensed rating organization.
58-24-13      Information furnished in support of filing.
58-24-14      Filing open to public inspection--Specially rated inland marine risks.
58-24-15      Review of filings by director.
58-24-16      Repealed.
58-24-17      Filing with respect to specially rated risks--Effective date.
58-24-18      Disapproval of filing prohibited if rates meet requirements.
58-24-19      Disapproval of filings by director--Notice--Contents.
58-24-20      Disapproval of filing with respect to specially rated risks--Notice, contents.
58-24-21      Effect of finding and order that filing does not comply with chapter.
58-24-22      Request by aggrieved party for hearing on filing--Grounds for application.
58-24-23      Hearing on filing--Action by director--Notice of hearing.
58-24-24      Finding that filing does not comply--Order discontinuing filing--Effective date.
58-24-25      Issuance of contract or policy contrary to filings prohibited--Inland marine risks excepted.
58-24-26      Excess rate approved for specific risk--Filing application.
58-24-27      Assigned risks--Reasonable rate modifications.
58-24-28      Information to be furnished insureds.
58-24-29      Right of insured to hearing on application of rating system.
58-24-30      Appeal to director from rating organization or insurer--Affirmance or reversal of action.
58-24-31      Recording and reporting of loss and experience--Rules and statistical plans of director.
58-24-32      Repealed.
58-24-33      Exchange of information and experience data with other states--Consultation as to rate-making.
58-24-34      Withholding of or giving false or misleading information--Penalties.


58-24-35      Application for license as rating organization--Contents.
58-24-36      Issuance of license--Finding by director--Time for granting or denying application.
58-24-37      Duration of rating organization license--Fee.
58-24-38      Suspension or revocation of license.
58-24-39      Notice to director of change in license application information.
58-24-40      Subscribers to rating services--Rules of rating organization.
58-24-41      Review by director of reasonableness of rule or refusal to admit insurer as subscriber.
58-24-42      Order affirming action of rating organization.
58-24-43      Actuarial, technical, or other services provided to subscribers.
58-24-44      Examination of evidences of insurance or cancellation--Rules as to submission--Information confidential.
58-24-45      Regulation of payment of dividends, savings, or unabsorbed premium deposits prohibited.
58-24-45.1      Group insurance marketing permitted--Conditions.
58-24-46      Cooperation between organizations and insurers authorized--Review of cooperative activities by director.
58-24-47      Appeal to director from action of rating organization--Hearing--Order.
58-24-48      Appeal based on failure to file for different expense system--Application of rate-making standards.
58-24-49      Application of insurer to file deviation--Basis for modification--Copy to rating organization.
58-24-50      Deviations to be uniform within class.
58-24-51      Criteria considered on application for deviation--Order permitting or denying deviation.
58-24-52      Duration of permitted deviation.
58-24-53      Advisory organization license required.
58-24-54      Advisory organization filing requirements.
58-24-55      Unfair or unreasonable advisory organization practices--Order requiring discontinuance.
58-24-56      Filings based on information furnished by noncompliant advisory organization prohibited--Order requiring discontinuance.
58-24-57      Insurers engaging in joint underwriting or joint reinsurance subject to regulation.
58-24-58      Unfair or unreasonable practices of joint underwriters or joint reinsurers--Order requiring discontinuance.
58-24-59      Examination of rating organizations, advisory organizations, joint underwriters, and joint reinsurers--Acceptance of report of official of another state.
58-24-60      Repealed.
58-24-61      Violation of chapter--Penalties.
58-24-62      Suspension of license of rating organization or insurer.
58-24-63      Written order of director for imposition of penalty and suspension of license--Hearing, notice, findings.
58-24-64      Request for hearing on order or decision--Notice--Affirmance, reversal, or modification.
58-24-65      Rehearing and appeal from order of director.
58-24-66      Notice required for filing for workers' compensation insurance.
58-24-67      Notice to workers' compensation purchaser organizations.
58-24-68      "Exempt commercial policyholder" defined.
58-24-69      "Risk manager" defined.
58-24-70      Exemption from rate and form filing requirements for policy issued to exempt commercial policyholder--Disclosure requirements.
58-24-71      Third-party consultant disclosure requirements.
58-24-72      Promulgation of rules.
58-24-73      Insurer to maintain and provide copies of disclosures--Examination.
58-24-74      Insurer to maintain records relating to insurance sales to exempt commercial policyholder--Examination by director.
58-24-75      Premium increase prohibited for certain accidents involving law enforcement, emergency, or snow removal personnel--Exception.


Back to Title 58