P&CMAmedium
If the DOI Commissioner proposes to disapprove a Massachusetts P&C rate filing, the insurer's principal avenue to challenge that action is:
Request a hearing before the Commissioner and seek judicial review in the MA courts
BSubmit the same filing in another state and ignore the MA disapproval entirely without any further administrative or judicial proceedings
CAppeal directly to the U.S. Supreme Court
DDemand the Governor personally reverse the order
Why this is the answer
A Massachusetts P&C rate disapproval is made through the rate regulatory law's own hearing procedure. Under c. 175A (casualty lines), the Commissioner may end a filing only after a hearing on at least ten days' written notice (§7), and an insurer aggrieved by an order made without a hearing may demand a hearing within 30 days (§19(a)). The Commissioner's order is then subject to judicial review by appeal to the Supreme Judicial Court (§19(c)). The Governor has no statutory power to reverse the order, and direct U.S. Supreme Court review is not available.
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