1. What’s Trending in Rate Regulation for 2017
AICP Western Chapter Eday
June 1, 2017
Ken Allen, Deputy Commissioner
Rate Regulation Branch

2. What’s Trending in Rate Regulation for 2017
Wildfire – Usage of Models in UW & Rating UW – Shall be sufficiently detailed to determine the appropriate rating plan for the insured; specific, objective factors having a substantial relationship to an insured’s loss exposure. Rating – Justification for selected rating relativities based on the company’s own historical data.

3. What’s Trending in Rate Regulation for 2017
Bail Bonds – Public Hearing to Examine Bail System in CA, January 31, 2017
(3:21.53)
Legislation – SB10 & AB42 both would
revise the pretrial release system by
limiting pretrial detention to specified
persons, eliminating the use of bail
schedules, & establishing
pretrial services agencies
tasked with conducting risk

4. What’s Trending in Rate Regulation for 2017
Variances
CCR § Variance Request

5. What’s Trending in Rate Regulation for 2017
Auto Class Plans

6. What’s Trending in Rate Regulation for 2017
Institutional Advertising (an excluded expense!)
§ (f): Advertising not aimed at obtaining business for a specific insurer and not providing consumers with information pertinent to the decision whether to by the insurer’s product.

7. What’s Trending in Rate Regulation for 2017
The old old:

8. What’s Trending in Rate Regulation for 2017
The old:

9. What’s Trending in Rate Regulation for 2017
The new: Samples or realistic representations of advertisements the company claims fall under the category of Non-Institutional advertising expenses must be provided in rate filings.

10. What’s Trending in Rate Regulation for 2017