P&CIllinoismedium
Although Illinois operates an open competition system, what does the filed-rate doctrine generally bar in private litigation involving insurance pricing?
Claims that effectively seek a judicial determination of a different rate than the insurer used
BAny claim that an insurer breached a policy provision
CBad faith claims handling claims under 215 ILCS 5/155
DClaims for failure to provide UM coverage under 215 ILCS 5/143a
Why this is the answer
In Illinois, the filed-rate doctrine generally precludes private suits that would require a court to determine the lawful price for insurance — that pricing function is committed to the rate regulatory system. The doctrine does not bar contract or bad-faith claims under 215 ILCS 5/155, UM-coverage disputes, or coverage interpretation; it bars only attempts to relitigate the rate the insurer charged.
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