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This insurance program is underwritten and distributed by Hartford Fire Insurance Company and its affiliates, Hartford Plaza, Hartford, CT 06115. CA License Number 1084. It is not a product of, or offered by, Ford Financial, Ford Motor Credit Company or your local dealer. While the purchase and maintenance of insurance may be required under the terms of your loan or lease, you are not required to purchase insurance through the Ford Motor Vehicle Insurance Program. Your choice of insurer or agent will not affect your eligibility for, or the terms of, your loan or lease.
2001 Ford Financial. All rights reserved.
Results from search: http://members.aol.com/StatutesPA/75.Cp.20.html
MOTOR VEHICLE INSURANCE RATE REVIEW PROCEDURES
Pennsylvania Consolidated Statutes
THE VEHICLE CODE (Title 75)
PART II. TITLE, REGISTRATION AND LICENSING
CHAPTER 20. MOTOR VEHICLE INSURANCE RATE REVIEW PROCEDURES
2001. Short title of chapter.
2002. Scope of chapter.
2003. Waiting period for filings.
2004. Action by commissioner on rate filings within waiting period.
2005. Review of action of commissioner taken without hearing.
2006. Action by commissioner on rate filings after waiting period.
2007. Deemed approvals.
2008. Hearing procedures.
2009. Rules and regulations.
2001. Short title of chapter.
This chapter shall be known and may be cited as the Motor Vehicle Insurance Rate Review Procedures Act.
2002. Scope of chapter.
This chapter applies to all rate filings for motor vehicle
insurance. Rate filings for motor vehicle insurance shall also
be subject to the act of June 11, 1947 (P.L.538, No.246), known
as The Casualty and Surety Rate Regulatory Act. Where any
conflict exists between this chapter and The Casualty and Surety
Rate Regulatory Act, this chapter shall be applied so as to
supersede The Casualty and Surety Rate Regulatory Act to the
extent of the conflict.
2003. Waiting period for filings.
(a) General rule.--Notwithstanding any other provision of law to the contrary and except as otherwise provided in subsection (b), no rate filing to which this chapter applies may
become effective prior to the expiration of a waiting period of 60 days from the date the filing is received by the commissioner. This 60-day period may be extended an additional 30 days by the commissioner upon written notice to the insurer or rating organization making the filing.
(b) Exceptions.--The waiting period and extensions thereof required by subsection (a) shall not apply in the following circumstances:
When an insurer or rating organization makes written
application, the commissioner may authorize a filing or part
thereof which has been reviewed to become effective prior to
the expiration of the waiting period or any extension thereof
as provided in subsection (a).
Upon the written consent of the insured stating his
reasons therefor, filed and approved by the department, a
rate in excess of that provided by a filing otherwise
applicable may be used on any specific risk. The rate shall
become effective when such consent is filed and shall be
deemed to meet the requirements of this chapter and other
applicable statutes governing the establishment of rates
until such time as the commissioner reviews the filing and so
long thereafter as the filing remains in effect.
2004. Action by commissioner on rate filings within waiting period.
(a) General rule.--Notwithstanding any other provision of
law to the contrary, within the waiting period or any extension
thereof as provided in section 2003(a) (relating to waiting
period for filings), the commissioner may, by written notice,
approve or disapprove the rate filing or schedule a formal
administrative hearing on the filing. If a rate filing is
approved, it may become effective upon the expiration of the
waiting period and any extension thereof as provided in section
2003(a) or upon the effective date specified in the filing,
whichever is later. If a rate filing is disapproved, the
commissioner shall state in what respects the filing or part
thereof fails to meet the requirements of this chapter or other
applicable law.
(b) Effective date pending hearing.--If a rate filing is
scheduled for a formal administrative hearing under this
section, the filing may not become effective until an
adjudication is issued. An adjudication shall be issued within
60 days after the close of the hearing.
2005. Review of action of commissioner taken without hearing.
Any insurer or rating organization aggrieved by any order or
decision of the commissioner made without a hearing may, within
30 days after notice of the order to the insurer or
organization, make written request to the commissioner for a
hearing thereon. The commissioner shall hold a hearing within 30
days after receipt of the request and shall give not less than
ten days' written notice of the time and place of the hearing.
Within 30 days after the close of the hearing, the commissioner
shall affirm, reverse or modify his previous action, specifying
his reasons therefor.
2006. Action by commissioner on rate filings after waiting period.
If, at any time after the waiting period or extension thereof
as provided in section 2003(a) (relating to waiting period for
filings), the commissioner finds that a rate filing does not
meet the requirements of applicable statutes governing the
establishment of rates or upon application by a person, other
than the insurer or rating organization that made the filing,
aggrieved by a rate filing for which the waiting period has
expired, the commissioner may hold a hearing upon not less than
ten days' written notice to every insurer or rating organization
which made the filing, specifying the matters to be considered
at the hearing. If, after the hearing, the commissioner finds
that the filing fails to meet the requirements of applicable
statutes governing the establishment of rates, he shall issue an
order specifying his findings and stating when, within a
reasonable period thereafter, the filing or portions thereof
shall be deemed no longer effective. The order shall be sent to
every affected insurer and rating organization. The order shall
not affect any contract or policy made or issued prior to the
expiration of the period set forth in the order.
2007. Deemed approvals.
A rate filing may be deemed to meet the requirements of this
chapter and other applicable statutes governing the
establishment of rates unless disapproved or scheduled for a
formal administrative hearing by the commissioner within the
waiting period or any extensions thereof as provided in section
2003(a) (relating to waiting period for filings). The filing
shall not become effective unless the department receives
written notice of the insurer's or rating organization's intent
to exercise the right granted under this section at least ten calendar days prior to the effective date.
2008. Hearing procedures.
All hearings shall be conducted in accordance with Title 2 (relating to administrative law and procedure).
2009. Rules and regulations.
The commissioner may adopt such rules and regulations as are reasonably necessary to carry out the purposes of this chapter. Rules and regulations shall be promulgated in conformity with the provisions of the act of July 31, 1968 (P.L.769, No.240), referred to as the Commonwealth Documents Law, and the act of June 25, 1982 (P.L.633, No.181), known as the Regulatory Review Act.
The complete Pennsylvania Statutes are not yet available on the web. However, selected portions have been made available and can be accessed by CLICKING HERE. These statutes, though available instantaneously over the web, may not be the current law. Court decisions overturning them, later statutes amending them, and a host of other factors come into play when interpreting them. They are provided here as a resource. They should provide some information about the state of the law. However, a competent lawyer, who from other sources will research the law to insure what is current, should always be employed in matters of importance.
Visit/Return to Home Page of Pennsylvania District Court 15-4-04.
Motor Vehicle Insurance Rate Review Procedures / Judiciary@aol.com / last revised August 1999
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2004 all rights reserved
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2004 all rights reserved
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ICBC - Autoplan Insurance: Rate classes
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Statement
How
are my premiums set?
Rate Classes
Autoplan premiums are partly based on what
you use your vehicle for. The types of use are called rate classes.
[ click
for definition ]
What are the rate classes?
There are more than 150
rate classes . Some of the most common are:
pleasure use only [ click
for definition ]
driving to and from work or school
business - driving to and from work as
well as for business purposes
delivery - use of a vehicle for business
delivery purposes
How do they affect your Autoplan premium?
The more any vehicle is driven, the greater
the chance of it being involved in a crash. A car that is driven
in heavy rush hour traffic twice a day is more likely to be in a
crash than one that only goes to the neighbourhood grocery and back
once a day.
If your vehicle has a higher chance of being
in a crash because of what you use it for, then you will pay a higher
premium. On the other hand, if you just use your vehicle for pleasure,
your premium will be lower. The rates reflect the level of risk
for each type of use.
What happens if you insure your vehicle under
the wrong rate class?
If you insure your vehicle under the wrong
rate class, any claim you make could be denied. You may be held
liable for any damage caused in the crash. Your Autoplan
broker can explain all of the different rate classes so you're
sure you choose the right one to match your driving habits.
Farm vehicles have their own rate classes. Download
the brochure " Farm
Vehicles On the Move ."
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27.11.01
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Alaska Statutes: AS 21.89.025. Motor Vehicle Insurance Rate Reductions.
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Alaska Statutes .
Title 21 . Insurance
Chapter 89 . Miscellaneous Provisions
Section 25. Motor Vehicle Insurance Rate Reductions.
previous: Section 20 . Required Motor Vehicle Coverage.
next: Section 27 . Motor Vehicle Insurance Following Driver's License Revocation.
AS 21.89.025. Motor Vehicle Insurance Rate Reductions.
(a) An insurer shall provide an appropriate reduction in the premium charged for a personal motor vehicle liability
insurance policy when the principal operator of the motor vehicle covered by the insurance policy
(1) is 55 years of age or older;
(2) at renewal requests the insurer to provide the reduction;
(3) has had no chargeable accidents as set by established underwriting guidelines in use by the insurer or moving motor
vehicle citations within three years preceding the request for the discount;
(4) provides the insurer with proof satisfactory to the director that the operator has within the three years before
requesting the reduction taken and successfully completed a motor vehicle accident prevention course approved by the
Department of Administration under AS 28.05.035
; and
(5) did not take and complete the accident prevention course described in (4) of this subsection as a result of an order
or sentence imposed by a court.
(b) An insurer may cancel a rate reduction provided under (a) of this section if during the policy period the principal
operator of the insured motor vehicle is
(1) involved in an accident caused by the operator; or
(2) convicted of a moving traffic violation.
(c) The reduced rate provided for an operator under (a) of this section may not extend beyond three years after the last
day of the operator's most recently successfully completed motor vehicle accident prevention course described in (a)(4)
of this section.
(d) The director shall establish by regulation the manner in which insurers inform applicants and insureds of the rate
reduction available under this section. An insurer shall inform applicants and insureds as required by this subsection.
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