Maryland Insurance Section 18-115

      In evaluating the expected and actual loss ratios, the Commissioner shall consider:

            (1)      the statistical credibility of incurred claims experience and earned premiums;

            (2)      the period for which rates are computed to provide coverage;

            (3)      experienced and projected trends;

            (4)      the concentration of experience within early policy duration;

            (5)      expected claim fluctuation;

            (6)      experienced refunds, adjustments, or dividends;

            (7)      renewability features;

            (8)      all appropriate expense factors;

            (9)      interest;

            (10)      the experimental nature of the coverage;

            (11)      policy reserves;

            (12)      the mix of business by risk classification; and

            (13)      product features, including long elimination periods, high deductibles, and high maximum limits.