What is the regulatory system for county mutual insurers for commercial automobile rate filings?
A. County mutuals writing commercial automobile insurance are subject to Article 5.13-2 effective immediately. A county mutual insurer is not required to make a rate filing unless it plans to change the rates or rating rules that it has on file with the Department. Absent a filing to change rates or rating rules, it is assumed that a county mutual insurer is using the current rates and rules that it currently has on file with TDI. Department staff is working on rules clarifying the filing requirements with a target date of proposing rules sometime in August 2003. Exception: Under previous regulation, county mutual insurers were only required to file a “schedule” of its rates. If an insurer does not have all of its rates and rules on file, it should file a complete set of its rates and rules with the Department. If an insurer has not filed all information required to be filed in accordance with 5.13-2, it should file such information immediately.
