Actuarial Corner - Statute & rule listing

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The following is a listing of the statutes, rules and other online resources that are most often referenced by the P&C Actuarial Staff. It is not, nor is intended to be a listing of every statute and rule that may apply to property and casualty rate issues.

Filings Made Easy - guide and forms

General rate regulation

Chapter 544 - Subchapters A&B - Prohibited discrimination
Chapter 550 - Prohibited practices relating to payments
Chapter 560 - Prohibited rates
Chapter 1806 - Prohibited practices and rebates related to policies
Chapter 2007 - Assessment for rural fire protection
Chapter 2251 - Rates
§2251.002(1-a) - Disallowed expenses (see also 110% report)
Chapter 2254 - Premium refund for certain personal lines
Chapter 4005 Subchapter A - Authorized conduct
§4005.054 - Receiving additional fee prohibited
28 TAC §5.9310-5.9361 - Filings Made Easy rules

Automobile

§1953.051 - Certain rating plans prohibited
§1953.052 - Premium surcharge required
Chapter 2151 - Texas automobile insurance plan association
Chapter 2153 - Group marketing of automobile insurance for persons over 55 years of age
28 TAC §5.401 - Temporary and permanent requirements regarding underwriting treatment of and disclosure to applicants for private passenger automobile liability insurance
28 TAC §21.1005 - Prohibition of Underwriting Guidelines Based on the Purchase of Types or Amounts of Coverage in Excess of Minimum Limits Liability Coverage

Commercial multi-peril policies

28 TAC §5.5005 - Rates for Commercial Multi-peril Policies

Credit scoring

Chapter 559 - Credit scoring and credit information
28 TAC §5.9350-5.9352 - Filings Made Easy - Credit scoring models filing requirements for personal insurance
28 TAC §5.9941 - Use of credit information or credit scores
Credit Scoring & Insurance Resource Page

Debt cancellation agreements/GAP/GAP waiver

83 TAC §83.812 - Gap waiver agreement
Texas Finance Code §348.124 - Debt cancellation agreements
OCCC Advisory
TDI: Regulatory position regarding debt cancellation/suspension agreements

Inland marine

28 TAC §5.5002 - Texas Definition of Inland Marine Insurance

Medical malpractice

Chapter 1901 - Professional Liability Insurance for Physicians and Health Care Providers

Mortgage guaranty

Chapter 3502 - Mortgage Guaranty Insurance

Residential property

Chapter 544 Subchapter H - Water damage claims
§551.107 - Renewal of certain policies; premium surcharge authorized; notice
Chapter 2006, Subchapter B - Optional premium discount for certain residential property insurance policies
Chapter 2210 - Texas Windstorm Insurance Association
Chapter 2211 - FAIR Plan
Chapter 2251 Subchapter F - Exemptions for certain insurers from rate filing and approval requirements
28 TAC §5.3702 - Designation of underserved areas for residential property insurance for purposes of the insurance code Article 5.13-2C (now Chapter 2251 Subchapter F)
28 TAC §21.1004 - Restrictions on Certain Claims in Residential Property Insurance and Transition Plan Requirement
28 TAC §21.1006 - Prohibition Against Declining To Write Residential Property Insurance Based on the Age or Value of the Property
28 TAC §21.1007 - Restrictions on the Use of Underwriting Guidelines Based On a Water Damage Claim(s), Previous Mold Damage or a Mold Damage Claim(s)

Territory

Chapter 2253 - Rating territories
28 TAC §5.9960 - Exception to rating territory requirements under Insurance Code Chapter 2253

Title

Chapter 2703 - Policy forms and premium rates
Title Resource Page

Underwriting guidelines

§38.002 - Underwriting guidelines for personal automobile and residential property insurance; filing; confidentiality
§38.003 - Underwriting guidelines for other lines; confidentiality
Chapter 2053 Subchapter A-1 - Underwriting guidelines for workers' compensation
28 TAC §5.9340-5.9342 - Filings Made Easy-- Underwriting guideline filing requirements for personal automobile, residential property, and workers' compensation insurance

Worker's compensation

Chapter 2053 - Rates for workers' compensation insurance
Labor Code Chapter 407A - Group self-insurance coverage