P&CMAeasy
Under M.G.L. c. 174A §6 and c. 175A §6, what is Massachusetts' general rate filing approach for most P&C lines other than private passenger automobile insurance?
APrior approval by the DOI Commissioner before any rate may be used
BRates set annually by the MA Legislature for every single property and casualty line
CNo filing of any kind required
File-and-use, with the Commissioner retaining authority to disapprove
Why this is the answer
For most property and casualty lines in Massachusetts, insurers file rates with the Division of Insurance (DOI) at least fifteen days before their proposed effective date (c. 174A §6, c. 175A §6), and the rates then take effect unless the Commissioner delays them by up to thirty more days or, after a hearing, finds them excessive, inadequate, or unfairly discriminatory (§7 of each chapter). Private passenger auto follows a separate managed-competition regime under M.G.L. c. 175E. The Legislature does not set individual rates, and filings remain required.
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