P&CNJmedium
If DOBI proposes to disapprove a NJ P&C rate filing, the insurer's principal avenue to challenge that action is:
Request an administrative hearing under the APA and seek judicial review
BSubmit the same filing in another state and ignore the NJ disapproval
CAppeal directly to the U.S. Supreme Court, bypassing all state administrative and appellate tribunals entirely
DDemand the Governor personally reverse the Commissioner's final order without any administrative hearing
Why this is the answer
DOBI rate disapprovals are administrative orders subject to NJ's Administrative Procedure Act, N.J.S.A. 52:14B. An aggrieved insurer is entitled to a contested-case hearing, typically referred to the Office of Administrative Law (OAL). The Commissioner's final decision is subject to judicial review in the NJ courts. The Governor has no statutory power to reverse the order, and direct U.S. Supreme Court review is not available.
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