P&C Commercial Auto

Filing Review Requirements

Regulatory Reference
or Source




No filing requirement for applications (unless made part of the policy)

Title 8, §3541 and §4205

Incorrect statements on the application shall not bar the right to recovery unless it was meant to deceive or unless it materially affected either the acceptance of the risk or the hazard assumed by the insurer.

After Market Parts


Department requirement

Must meet standards of original parts


Exclusion not permitted

Department requirement

Acts committed under the influence may not be excluded.

Social Host Liability

Bulletin 136

See Bulletin


Limit of liability may be waived

Title 8, §4203

The Company has unlimited liability should they appeal a case without the Insured's consent.


Cannot be both binding and mandatory

Department requirement

Binding arbitration is not permitted if the process can be demanded unilaterally, since it may deprive the insured of access to the court system.

Bankruptcy Provision

Bankruptcy of the Insured cannot relieve the company of their liability

Title 8, §4203


Cancellation & Non-renewal

Days' Notice and Cancellation/Nonrenewal Reasons

Title 8, §4711 - 4715

15 days' notice for cancellation for non-pay. 
Policy can be cancelled for any reason within first 59 days - specific reasons required if in force 60 days or more. 
45 days' notice of non-renewal required.


Notice Requirements

Regulaltion 78-1 (1)

Insured must be given written notice when coverage has been modified or eliminated.

Exclusion of Named Driver

Not permitted

Title 23, §800

Named Driver may be limited to statutory limits

Filing Standards

Prior Approval

Regulation I-2010-03

Forms must be submitted at least 30 calendar days prior to their proposed effective date.



Title 8, §4205 and §4711

If a policy is obtained through fraud or material misrepresentation, that policy may be voided. If this occurs after the effective date, the company may only deny the claim on that basis, however, has grounds for cancellation.

Liberalization Clause

Not required



Loss Settlement

Loss Settlement and Payment Conditions

Regulation 79-2; S6

The Insurer has 15 days to respond to a properly executed Proof of Loss.  After Settlement has been agreed upon, Insurer shall mail in the agreed amount to the claimant and/or loss payee within 10 working days. 


May not be excluded except as noted.

Bulletin 111

    All insurers must provide coverage for pollution by endorsement, with limited exceptions. We will consider a "Consent to Rate" application for companies seeking to attach a pollution exclusion to liability coverage when there is a high probability of a pollution claim.  We will approve the use of the exclusion only where there is an identifiable pollution exposure.  

Punitive Damages

May be excluded

Bulletin 139




Regulation. I-2010-03

Flesh score minimum is 40, not less than 10 point type, one point leaded. 


May not be excluded

Department requirement

No exceptions.

Uninsured/underinsured Motorists

UM/UIM is mandatory on all policies providing automobile coverage.

Title 23, §800 and §941

Minimum limits for UM/UIM are $50,000 per person, $100,000 per accident, $10,000 per claim property damage.

Auto Minimum Coverage Limits

Statutory: $25,000 per person, $50,000 per accident

Title 23, §800




Open Competition, Use and File

Title 8, §4688

Loss Costs -
Bulletin 99

Filing must be received within 15 days of effective date.  Rate filing must include verifying material and actuarial backup.

Rating Plan Requirements

None specified



Territory Definitions

Must be defined in filing, with actuarial backup for each.