Utah Code § 31A-19a-206

Disapproval of rates
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(1)
(a) Except for a conflict with the requirements of Section 31A-19a-201 or 31A-19a-202, the
commissioner may disapprove a rate at any time that the rate directly conflicts with:
(i) this title; or
(ii) any rule made under this title.
(b) The disapproval under Subsection (1)(a) shall:
(i) be in writing;
(ii) specify the statute or rule with which the filing conflicts; and
(iii) state when the rule is no longer effective.
(c)
(i) If an insurer's or rate service organization's rate filing is disapproved under Subsection (1)(a),
the insurer or rate service organization may request a hearing on the disapproval within 30
calendar days of the date on which the order described in Subsection (1)(a) is issued.
(ii) If a hearing is requested under Subsection (1)(c)(i), the commissioner shall schedule the
hearing within 30 calendar days of the date on which the commissioner receives the request
for a hearing.
(iii) After the hearing, the commissioner shall issue an order:
(A) approving the rate filing; or
(B) disapproving the rate filing.
(2)
(a) If within 90 calendar days of the date on which a rate filing is filed the commissioner finds
that the rate filing does not meet the requirements of Section 31A-19a-201 or 31A-19a-202,
the commissioner shall send a written order disapproving the rate filing to the insurer or rate
organization that made the filing.
(b) The order described in Subsection (2)(a) shall specify how the rate filing fails to meet the
requirements of Section 31A-19a-201 or 31A-19a-202.
(c)

(i) If an insurer's or rate service organization's rate filing is disapproved under Subsection (2)(a),
the insurer or rate service organization may request a hearing on the disapproval within 30
calendar days of the date on which the order described in Subsection (2)(a) is issued.
(ii) If a hearing is requested under Subsection (2)(c)(i), the commissioner shall schedule the
hearing within 30 calendar days of the date on which the commissioner receives the request
for a hearing.
(iii) After the hearing, the commissioner shall issue an order:
(A) approving the rate filing; or
(B)
(I) disapproving the rate filing; and
(II) stating when, within a reasonable time from the date on which the order is issued, the
rate is no longer effective.
(d) In a hearing held under this Subsection (2), the insurer or rate service organization bears the
burden of proving compliance with the requirements of Section 31A-19a-201 or 31A-19a-202.
(3)
(a) If the order described in Subsection (2)(a) is issued after the implementation of the rate filing,
the commissioner may order that use of the rate filing be discontinued for any policy issued or
renewed on or after a date not less than 30 calendar days from the date the order was issued.
(b) If an insurer or rate service organization requests a hearing under Subsection (2), the order to
discontinue use of the rate filing is stayed:
(i) beginning on the date the insurer or rate service organization requests a hearing; and
(ii) ending on the date the commissioner issues an order after the hearing that addresses the
stay.
(4) If the order described in Subsection (2)(a) is issued before the implementation of the rate filing:
(a) an insurer or rate service organization may not implement the rate filing; and
(b) the rates of the insurer or rate service organization at the time of disapproval continue to be in
effect.
(5)
(a) If after a hearing the commissioner finds that a rate that has been previously filed and has
been in effect for more than 90 calendar days no longer meets the requirements of Section

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