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2017 South Carolina Code of Laws
Title 38 - Insurance
CHAPTER 73 - PROPERTY, CASUALTY, INLAND MARINE, AND SURETY RATES AND RATE-MAKING ORGANIZATIONS
ARTICLE 1 General Provisions
- Section 38-73-10. Declaration of purpose; construction.
- Section 38-73-20. Scope of chapter.
- Section 38-73-30. Insurance subject to dual regulation.
- Section 38-73-40. Recording and reporting of loss and expense experience.
- Section 38-73-50. Interchange of rating plan data.
- Section 38-73-60. Consultation with other states.
- Section 38-73-70. Regulations.
- Section 38-73-80. Withholding or giving false or misleading information.
- Section 38-73-90. Examinations of rating organizations, advisory groups, and other organizations.
- Section 38-73-110. Suspension of license.
- Section 38-73-120. Hearing as prerequisite to imposition of penalty or suspension of license.
- Section 38-73-130. Hearing procedure; judicial review.
- Section 38-73-210. Article title and application.
- Section 38-73-220. Approval process for rate level changes.
- Section 38-73-230. Declaration of competitive line; factors considered; hearings before Administrative Law Court.
- Section 38-73-240. Rate filings where line declared competitive; Consumer Advocate review of certain filings.
- Section 38-73-250. Rate filings where line declared noncompetitive.
- Section 38-73-260. Approval process for rate level changes; Consumer Advocate review of certain filings.
- Section 38-73-270. Consumer information system.
- Section 38-73-310. Scope of article.
- Section 38-73-320. Insurance subject to both this article and Article 5.
- Section 38-73-325. Absence of credit information.
- Section 38-73-330. Making of rates.
- Section 38-73-340. Rate filings required.
- Section 38-73-410. Scope of article.
- Section 38-73-420. Insurance subject to both this article and Article 3.
- Section 38-73-425. Absence of credit information.
- Section 38-73-430. Making of rates.
- Section 38-73-440. Certain factors may not be considered in determining automobile insurance rates.
- Section 38-73-470. Disposition of uninsured motorist premium.
- Section 38-73-480. Rate for group automobile insurance.
- Section 38-73-490. Workers' compensation rates.
- Section 38-73-495. Authority to disapprove previously approved rate for classification of worker's compensation insurance; reassignment of classifications; time for filing appeal.
- Section 38-73-500. Merit rating for workers' compensation insurance; credit; testing.
- Section 38-73-505. Reductions in premiums.
- Section 38-73-510. Nonpartisan rating bureau for workers' compensation.
- Section 38-73-515. Deductibles.
- Section 38-73-520. Rate filings required.
- Section 38-73-525. Filing of multiplier for expenses by insurers writing workers' compensation.
- Section 38-73-526. Report as to availability and affordability of workers' compensation coverage.
- Section 38-73-530. Competitive rate on specific risk.
- Section 38-73-540. Assigned risk.
- Section 38-73-545. Applicability to self-insurers.
- Section 38-73-710. State Rating and Statistical Division established; executive director.
- Section 38-73-736. Rate reductions for nonyouthful operator completing approved driver training course.
- Section 38-73-737. Rate reductions for youthful operator completing approved driver training course.
- Section 38-73-740. Certain information must be retained; inspection by applicant.
- Section 38-73-910. Notice of hearing as a prerequisite to granting of rate increase; exceptions; rate level increase or decrease limitations; flexible rating for automobile insurance policies; report.
- Section 38-73-915. Authority granted director or designee; effect of legislation and court decisions.
- Section 38-73-920. No insurance may be issued except on rates filed.
- Section 38-73-930. Guidelines and formats for filing.
- Section 38-73-935. Rate filings; information based upon; exceptions.
- Section 38-73-940. Information in support of filing.
- Section 38-73-950. Additional information may be required.
- Section 38-73-960. Effective date of filing.
- Section 38-73-965. Filing; effective date.
- Section 38-73-970. Effective date for specially rated inland marine rates.
- Section 38-73-980. Effective date for certain surety or guaranty bonds.
- Section 38-73-990. Disapproval of filings generally.
- Section 38-73-995. Disapproval of insurer's workers' compensation rates using most recent multiplier for expenses.
- Section 38-73-1000. Disapproval of specially rated specific inland marine rates.
- Section 38-73-1010. Disapproval of special surety or guaranty filings.
- Section 38-73-1020. Disapproval after applicable review period.
- Section 38-73-1030. Review of filings on application of person aggrieved.
- Section 38-73-1040. No disapproval of certain fire, allied lines, or inland marine filings.
- Section 38-73-1050. No disapproval of certain casualty or automobile filings.
- Section 38-73-1060. Use of rates and policy forms different from those filed; exceptions.
- Section 38-73-1070. Suspension or modification of filing requirement.
- Section 38-73-1080. Information to be furnished insureds; hearings and appeals of insureds.
- Section 38-73-1085. Publication of representative sample of premiums.
- Section 38-73-1090. Determination of discrimination and removal.
- Section 38-73-1095. Essential property insurance; rating plan factors.
- Section 38-73-1097. Applicability of certain provisions.
- Section 38-73-1100. Determination of excessive or unreasonable rates; general reduction; refund.
- Section 38-73-1105. Insurer's use of definition of "underinsured motor vehicle".
- Section 38-73-1110. Regulation of calculation and refunding of excess profit.
- Section 38-73-1120. Provisions to ensure expenses are allocated and treated properly; penalty.
- Section 38-73-1210. Members of rating organization not required to file individually; rates for members in first year; collection, compilation and dissemination of premium data.
- Section 38-73-1215. Applicability to self-insurers.
- Section 38-73-1220. Application for license as rating organization.
- Section 38-73-1230. Issuance or denial of license; duration; fee.
- Section 38-73-1240. Suspension or revocation of license.
- Section 38-73-1250. Changes within rating organization.
- Section 38-73-1260. Subscribers to rating organizations.
- Section 38-73-1270. Changes in rules and regulations; review of reasonableness.
- Section 38-73-1280. Rules may not regulate certain payments.
- Section 38-73-1290. Filings must be adhered to.
- Section 38-73-1300. Application for modification by fire or inland marine insurer.
- Section 38-73-1310. Application for modification by casualty or automobile insurer.
- Section 38-73-1330. Examination of policies and other papers; correction of errors.
- Section 38-73-1340. Appeal by minority.
- Section 38-73-1350. Cooperation.
- Section 38-73-1360. Actuarial, technical, and other services.
- Section 38-73-1370. Rating organizations not permitted to file certain rate increases; filing pure loss component of rate or premium; use of approved pure loss component by members or subscribers.
- Section 38-73-1380. Approval of final rate or premium charge required; computation of final rate or premium charge; approval of expense component filed by each member or subscriber independently.
- Section 38-73-1400. Definition of pure loss component, expense component, and final rate or premium charge.
- Section 38-73-1410. Refiling of final rates or premium charges previously approved not required.
- Section 38-73-1420. Board of Governors of Reinsurance Facility to file expense component; use of component after approval.
- Section 38-73-1425. Final rate or premium charge for private passenger automobile insurance risk ceded to reinsurance facility.
- Section 38-73-1430. Authority to extend provisions of Sections 38-73-1370, 38-73-1380, 38-73-1400, 38-73-1410 to other lines of insurance.
- Section 38-73-1510. "Advisory organization" defined.
- Section 38-73-1520. Filing certain data and agreement authorizing examination.
- Section 38-73-1530. Requiring discontinuance of certain acts or practices.
- Section 38-73-1540. Rate filings may not be supported by data from unauthorized advisory organization.
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