2013 New York Consolidated Laws
ISC - Insurance
Article 23 - (2301 - 2352) PROPERTY/CASUALTY INSURANCE RATES
2303 - Standards for rates.

 
    § 2303. Standards for rates. Rates shall not be excessive, inadequate,
  unfairly  discriminatory,  destructive  of competition or detrimental to
  the solvency of insurers. In determining whether rates comply  with  the
  foregoing  standards, the superintendent shall include all income earned
  by such insurer and  any  insurer  controlling  or  controlled  by  such
  insurer  or  under  common  control  by  or with such insurer on all its
  investments of any kind and wherever located. The  superintendent  shall
  further  determine  whether  any  component  of  such rates represent an
  effort on the part of the insurer to recover losses incurred in  another
  state  due to any referendum, law or regulation which requires a general
  reduction in rates for the kinds of insurance described in  section  two
  thousand  three  hundred  two  of  this article. Such a finding shall be
  deemed unfairly discriminatory for the purposes of this article.