In states that use the file-and-use method, n insurer or its rating bureau must file its new rates and have them approved by the commissioner before using them.

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In states that use the file-and-use method, an insurer or its rating bureau must file its new rates with the commissioner but can use them without prior approval, subject to subsequent review and potential disapproval by the commissioner.

In States That Use the File-And-Use Method, N Insurer or Its