Rules and Regulations of the State of Georgia
 

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<xmp>.</xmp> <form name="form1" method="post" action="120-2-41?urlRedirected=yes&amp;data=admin&amp;lookingfor=120-2-41" id="form1"> <input type="hidden" name="__VIEWSTATE" id="__VIEWSTATE" value="/wEPDwUKLTY5ODkwOTM2Nw8WAh4Ec3BhbQINFgJmD2QWAgIFDw8WAh4EVGV4dAUFNyArIDZkZGQzwPA9YtRhzntMKBatuqkGiD0YSQ==" /> <input type="hidden" name="__VIEWSTATEGENERATOR" id="__VIEWSTATEGENERATOR" value="EEBB6393" /> <input type="hidden" name="__EVENTVALIDATION" id="__EVENTVALIDATION" value="/wEWCAKbkLmLBQLniKOhBALV5cpNAoa5iIEFAoznisYGAsrv5u0MAsrv4u0MAsrv3u0MM5hwAcWpZtJ10OJpTT5uUkJovvY=" /> <div class='popup'> <div class='cnt223'> <div style="margin-bottom:6px;"> <img alt="Rules and Regulations of the State of Georgia" src="/images/new.gif"/> </div> <div class="header"> Terms and Conditions of Agreement for Access to Rules and Regulations of the State of Georgia Website </div> <div class="scroll"> <p>(Note: certain features of this site have been disabled for the general public to prevent digital piracy. If you are an entitled government entity pursuant the Georgia Administrative Procedures Act, <a target="_new" href="http://links.casemakerlegal.com/states/GA/books/Code_of_Georgia/browse?ci=25id=gasos&amp;codesec=50-13-7&amp;title=50&amp;#50-13-7(d)">O.C.G.A.§ 50-13-7(d)</a> contact the State of Georgia's Administrative Procedures Division at 678-364-3785 to enable these features for your location.)</p> <p>To access this website, you must agree to the following: </p> <p> These terms of use are a contract between you and/or your employer (if any), and Lawriter, LLC. </p> <p> You agree that you will not copy, print, or download anything from this website for any commercial use. </p> <p> You agree not to use any web crawler, scraper, or other robot or automated program or device to obtain data from the website.</p> <p> You agree that you will not sell, will not license, and will not otherwise make available in exchange for anything of value, anything that you download, print, or copy from this site.</p> <p> You agree that you will not copy, print, or download any portion of the regulations posted on this site exceeding a single chapter of regulations for sale, license, or other transfer to a third party, except that you may quote a reasonable portion of the regulations in the course of rendering professional advice.</p> <p> If you violate this agreement, or if you access or use this website in violation of this agreement, you agree that Lawriter will suffer damages of at least $20,000. </p> <p> THIS WEBSITE AND ITS CONTENT ARE PROVIDED "AS IS." 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If you are an entitled government entity pursuant the Georgia Administrative Procedures Act, <a target="_new" href="http://links.casemakerlegal.com/states/GA/books/Code_of_Georgia/browse?ci=25id=gasos&amp;codesec=50-13-7&amp;title=50&amp;#50-13-7(d)">O.C.G.A.§ 50-13-7(d)</a> contact the State of Georgia's Administrative Procedures Division at 678-364-3785 to enable these features for your location.)</p> <p>To access this website, you must agree to the following: </p> <p> These terms of use are a contract between you and/or your employer (if any), and Lawriter, LLC. </p> <p> You agree not to use any web crawler, scraper, or other robot or automated program or device to obtain data from the website. </p> <p> You agree that you will not sell or license anything that you download, print, or copy from this website.</p> <p> THIS WEBSITE AND ITS CONTENT ARE PROVIDED "AS IS." 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Section <a href="https://links.casemakerlegal.com/states/ga/books/Code_of_Georgia/browse?ci=25&amp;id=gasos&amp;codesec=33-2-9&amp;title=33#" target="_newtab">33-2-9</a> and Act 669, Ga. L. 1987, p. 911.</P> <h2><a href="/GAC/120-2-41-.02" name="120-2-41-.02" title="120-2-41-.02">Rule 120-2-41-.02 Purpose</a></h2> <P>The purpose of this Regulation is to establish guidelines and limitations for premium modification rating plans.</P> <h2><a href="/GAC/120-2-41-.03" name="120-2-41-.03" title="120-2-41-.03">Rule 120-2-41-.03 Definitions</a></h2> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-41-.03(1)">(1)</a></td> <td valign="top" style="text-align:left" class="leftalign"> "Commissioner" shall mean the Commissioner of Insurance of the State of Georgia.</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-41-.03(2)">(2)</a></td> <td valign="top" style="text-align:left" class="leftalign"> "Line of coverage" shall mean each separate line from the annual statement "Exhibit of Premiums and Losses" required to be filed by Rule <a title="120-2-18-.04" href="120-2-18-.04">120-2-18-.04</a> of the Rules and Regulations of the Georgia Insurance Department.</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-41-.03(3)">(3)</a></td> <td valign="top" style="text-align:left" class="leftalign"> "Plans" or "Rating Plans" shall mean rating plans which modify classification rates to produce rates for individual risks.</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-41-.03(4)">(4)</a></td> <td valign="top" style="text-align:left" class="leftalign"> "Regulation" shall mean Chapter 120-2-41 of the Rules and Regulations of the Georgia Insurance Department.</td> </tr> </table> <h2><a href="/GAC/120-2-41-.04" name="120-2-41-.04" title="120-2-41-.04">Rule 120-2-41-.04 Standards for Rating Plans</a></h2> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-41-.04(1)">(1)</a></td> <td valign="top" style="text-align:left" class="leftalign"> The standards and limitations of this Rule apply to rating plans which establish standards to modify classification rates to produce rates for individual risks.</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-41-.04(2)">(2)</a></td> <td valign="top" style="text-align:left" class="leftalign"> For plans based on the past loss experience of the individual risk, the insured must furnish proof of the loss record from the previous insurer or insurers for the lesser of: <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-41-.04(2)(a)">(a)</a></td> <td valign="top" style="text-align:left" class="leftalign"> the experience period; or</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-41-.04(2)(b)">(b)</a></td> <td valign="top" style="text-align:left" class="leftalign"> the length of time the risk has been insured.</td> </tr> </table> </td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-41-.04(3)">(3)</a></td> <td valign="top" style="text-align:left" class="leftalign"> The requirements of paragraph (2) of this Rule do not apply to an experience rating modifier published by the National Council on Compensation Insurance or by the Surety Association of America and otherwise may be waived if the loss record is not available due to: <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-41-.04(3)(a)">(a)</a></td> <td valign="top" style="text-align:left" class="leftalign"> insolvency or liquidation of the previous insurer; or</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-41-.04(3)(b)">(b)</a></td> <td valign="top" style="text-align:left" class="leftalign"> the previous insurer not being subject to the jurisdiction of the Georgia Insurance Department.</td> </tr> </table> </td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-41-.04(4)">(4)</a></td> <td valign="top" style="text-align:left" class="leftalign"> It shall be permissible for an insurer to quote, bind coverage, and issue a policy based on the insured's statement of the previous loss record. However, the policy must be endorsed to eliminate the experience rating modification if proper proof of the loss record is not furnished within sixty (60) days of the effective date of the policy.</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-41-.04(5)">(5)</a></td> <td valign="top" style="text-align:left" class="leftalign"> Except as provided in Rule <a title="120-2-41-.05" href="120-2-41-.05">120-2-41-.05</a>, for plans based on factors other than past loss experience, the maximum debit shall be fifteen percent (15%) and the maximum credit shall be fifteen percent (15%).</td> </tr> </table> <h2><a href="/GAC/120-2-41-.05" name="120-2-41-.05" title="120-2-41-.05">Rule 120-2-41-.05 Exceptions to Standards</a></h2> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-41-.05(1)">(1)</a></td> <td valign="top" style="text-align:left" class="leftalign"> Notwithstanding paragraph (5) of Rule <a title="120-2-41-.04" href="120-2-41-.04">120-2-41-.04</a>, plans based on factors other than past loss experience to which this Regulation applies may utilize a maximum debit of forty percent (40%) and a maximum credit of fifty percent (50%) if the insurer shows to the satisfaction of the Commissioner that the amount collected on an annualized basis from all insureds under the line of coverage of the rating plan of the insurer is not less than ninety-five percent (95%) but not more than one hundred five percent (105%) of an amount represented by the product of the filed rate amount on the line of coverage of the rating plan multiplied by the annualized number of insureds.</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-41-.05(2)">(2)</a></td> <td valign="top" style="text-align:left" class="leftalign"> For purposes of implementation of this Regulation, an insurer is deemed to be in compliance, as of January 1, 1988, with paragraph (1) of this Rule.</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-41-.05(3)">(3)</a></td> <td valign="top" style="text-align:left" class="leftalign"> Reporting of compliance for continued usage of the debit and credit percentages under paragraph (1) of this Rule shall be on an annual basis which shall coincide with the expiration date of policies, if such policies issued have a uniform annual expiration date. Otherwise, reporting shall be made as of December 31 of each year. Reports shall be due in the Office of the Commissioner on the reporting date of the annual statement as provided by law.</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-41-.05(4)">(4)</a></td> <td valign="top" style="text-align:left" class="leftalign"> If a report shows a failure to comply with paragraph (1) of this Rule regarding collected amounts, the insurer shall use the percentages specified under paragraph (5) of Rule <a title="120-2-41-.04" href="120-2-41-.04">120-2-41-.04</a> for one (1) year following the reporting date specified in paragraph (3) of this Rule upon all policies issued or renewed under such rating plan, unless the insurer files new rates for such rating plan which, under such submission, will achieve compliance. Additionally, a failure to file new rates shall be analyzed for a failure to comply with paragraphs (1) through (6) of O.C.G.A. Section <a href="https://links.casemakerlegal.com/states/ga/books/Code_of_Georgia/browse?ci=25&amp;id=gasos&amp;codesec=33-9-4&amp;title=33#" target="_newtab">33-9-4</a>.</td> </tr> </table> <h2><a href="/GAC/120-2-41-.06" name="120-2-41-.06" title="120-2-41-.06">Rule 120-2-41-.06 Regulation Not Applicable</a></h2> <P>This Regulation shall not apply to:</P> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-41-.06(a)">(a)</a></td> <td valign="top" style="text-align:left" class="leftalign"> automobile insurance rating plans based on the driving record of insured drivers;</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-41-.06(b)">(b)</a></td> <td valign="top" style="text-align:left" class="leftalign"> retrospective rating plans; or</td> </tr> </table> <table border="0" width="100%" cellspacing="4" cellpadding="4"> <tr> <td valign="top" width="1%" style="white-space:nowrap;text-align:left;width:18px;"><a style="white-space:nowrap;" name="120-2-41-.06(c)">(c)</a></td> <td valign="top" style="text-align:left" class="leftalign"> individual risk filings.</td> </tr> </table> <h2><a href="/GAC/120-2-41-.07" name="120-2-41-.07" title="120-2-41-.07">Rule 120-2-41-.07 Limitations on Exempted Plans and Modifications</a></h2> <P>Plans and modifications not subject to this Regulation or exempted from this Regulation under paragraph (3) of Rule <a title="120-2-41-.04" href="120-2-41-.04">120-2-41-.04</a> or Rule <a title="120-2-41-.06" href="120-2-41-.06">120-2-41-.06</a> shall be subject to such limitations as are contained in the rate filing accepted by the Commissioner.</P> <h2><a href="/GAC/120-2-41-.08" name="120-2-41-.08" title="120-2-41-.08">Rule 120-2-41-.08 Plans Considered Withdrawn</a></h2> <P>All plans on file with the Commissioner not in compliance with this Regulation will be considered withdrawn as of the effective date of this Regulation. New filings of such plans will be subject to prior approval.</P> <h2><a href="/GAC/120-2-41-.09" name="120-2-41-.09" title="120-2-41-.09">Rule 120-2-41-.09 Penalties</a></h2> <P>Any insurer, agent, representative, officer or employee of such insurer failing to comply with the requirements of this Regulation shall be subject to such penalties as may be appropriate under the insurance laws of this State.</P> <h2><a href="/GAC/120-2-41-.10" name="120-2-41-.10" title="120-2-41-.10">Rule 120-2-41-.10 Severability</a></h2> <P>If any provision of this Regulation, or the application thereof to any person or circumstance, is held invalid by a court of competent jurisdiction, the remainder of the Regulation or the applicability of such provision to the persons or circumstances shall not be affected.</P> <h2><a href="/GAC/120-2-41-.11" name="120-2-41-.11" title="120-2-41-.11">Rule 120-2-41-.11 Effective Date</a></h2> <P>This Regulation shall become effective January 1, 1988.</P> </div> </div> </HTML> </div> <div id="toc" class="sidebar noprint"> <ul id="toc-children" class="children"><li><a href="/GAC/120-2-41-.01" name="120-2-41-.01" title="120-2-41-.01">Rule 120-2-41-.01 Statutory Authority</a></li><li><a href="/GAC/120-2-41-.02" name="120-2-41-.02" title="120-2-41-.02">Rule 120-2-41-.02 Purpose</a></li><li><a href="/GAC/120-2-41-.03" name="120-2-41-.03" title="120-2-41-.03">Rule 120-2-41-.03 Definitions</a></li><li><a href="/GAC/120-2-41-.04" name="120-2-41-.04" title="120-2-41-.04">Rule 120-2-41-.04 Standards for Rating Plans</a></li><li><a href="/GAC/120-2-41-.05" name="120-2-41-.05" title="120-2-41-.05">Rule 120-2-41-.05 Exceptions to Standards</a></li><li><a href="/GAC/120-2-41-.06" name="120-2-41-.06" title="120-2-41-.06">Rule 120-2-41-.06 Regulation Not Applicable</a></li><li><a href="/GAC/120-2-41-.07" name="120-2-41-.07" title="120-2-41-.07">Rule 120-2-41-.07 Limitations on Exempted Plans and Modifications</a></li><li><a href="/GAC/120-2-41-.08" name="120-2-41-.08" title="120-2-41-.08">Rule 120-2-41-.08 Plans Considered Withdrawn</a></li><li><a href="/GAC/120-2-41-.09" name="120-2-41-.09" title="120-2-41-.09">Rule 120-2-41-.09 Penalties</a></li><li><a href="/GAC/120-2-41-.10" name="120-2-41-.10" title="120-2-41-.10">Rule 120-2-41-.10 Severability</a></li><li><a href="/GAC/120-2-41-.11" name="120-2-41-.11" title="120-2-41-.11">Rule 120-2-41-.11 Effective Date</a></li></ul> </div> </div> <!--content ends here--> <div id="footer" class="noprint"><span class="footer">Copyright &copy; 2019 Lawriter LLC - All rights reserved.</span>| <a href="mailto:support@casemakerlegal.com?subject=Rules and Regulations of the State of Georgia">Email Us</a> | 844-838-0769 | <a href="http://livechat.casemakerlegal.com/client.php?locale=en" target="_blank" onclick="if(navigator.userAgent.toLowerCase().indexOf('opera') != -1 && window.event.preventDefault)window.event.preventDefault();this.newWindow = window.open('http://livechat.casemakerlegal.com/client.php?locale=en&url='+escape(document.location.href)+'&referrer='+escape(document.referrer), 'webim','toolbar=0,scrollbars=0,location=0,status=1,menubar=0,width=640,height=480,resizable=1');this.newWindow.focus();this.newWindow.opener=window;return false;">Live Chat</a> </div> </div> </body> </html>