P&COhiomedium
Under R.C. 3937.07, may an Ohio-licensed P&C insurer reference loss-cost or advisory filings prepared by ISO or AAIS?
ANo, advisory organization filings are categorically prohibited in Ohio regardless of insurer type or line
Yes, but the insurer must adopt its own loss-cost multiplier and file its final rates with ODI
COnly if the Governor specifically authorizes use of each advisory filing on a case-by-case basis
DYes, and the advisory filing automatically becomes the insurer's rate without further filing
Why this is the answer
R.C. 3937.07 authorizes advisory organizations (ISO, AAIS) to file prospective loss costs and other reference materials with ODI. Individual insurers may reference these filings but must adopt their own loss-cost multiplier and file the resulting final rates with ODI before use. Advisory filings do not automatically become an insurer's rate, and they are not prohibited.
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