P&COhiomedium
If ODI proposes to disapprove an Ohio P&C rate filing, what is the insurer's principal avenue to challenge that action?
Request a contested-case hearing under R.C. Chapter 119 and seek judicial review
BSubmit a new filing in another state and ignore the Ohio disapproval
CAppeal directly to the U.S. Supreme Court, bypassing all Ohio administrative and appellate courts entirely
DDemand the Governor personally reverse the order
Why this is the answer
ODI rate disapprovals are administrative orders subject to Ohio's Administrative Procedure Act, R.C. Chapter 119. An aggrieved insurer is entitled to a contested-case hearing with rights to present evidence and cross-examine. The Director's final decision is subject to judicial review in the Ohio courts. The Governor has no statutory power to reverse the order, and direct U.S. Supreme Court review is not the route.
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