WM. PRESTON LANE, JR., GOVERNOR. 1235

marine rates on risks specially rated, made by a rating organ-
ization, shall be filed with the commissioner.

(b) An insurer may satisfy its obligation to make such
filings by becoming a member of or a subscriber to a licensed
rating organization which makes such filings, and by author-
izing the commissioner to accept such filings on its behalf;
provided, that nothing contained in this Act shall be con-
strued as requiring any insurer to become a member of or a
subscriber to any rating organization.

(c) The commissioner shall review filings as soon as rea-
sonably possible after they have been made in order to deter-
mine whether they meet the requirements of this Act.

(d) Subject to the exception specified in paragraph (e) of
this sub-section, each filing shall be on file for a waiting period
of fifteen days before it becomes effective, which period may
be extended by the commissioner for an additional period not
to exceed fifteen days if he gives written notice within such
waiting period to the insurer or rating organization which
made the filing that he needs such additional time for the
consideration of such filing. Upon written application by
such insurer or rating organization, the commissioner may
authorize a filing which he has reviewed to become effective
before the expiration of the waiting period or any extension
thereof. A filing shall be deemed to meet the requirements of
this Act unless disapproved by the commissioner within the
waiting period or any extension thereof.

(e) Specific inland marine rates on risks specially rated by
a rating organization shall become effective when filed and
shall be deemed to meet the requirements of this Act until
such time as the commissioner reviews the filing and so long
thereafter as the filing remains in effect.

(f) Under such rules and regulations as he shall adopt the
commissioner may, by written order, suspend or modify the
requirement of filing as to any kind of insurance, subdivision
or combination thereof, or as to classes of risks, the rates for
which cannot practicably be filed before they are used. Such
order, rules and regulations shall be made known to insurers
and rating organizations affected thereby. The commissioner
may make such examination as he may deem advisable to
ascertain whether any rates affected by such order meet the
standards set forth in subdivision 2 of paragraph (a) of sub-
section 3.

(g) Upon the written application of the insured, stating his
reasons therefor, filed with and approved by the commis-
sioner, a rate in excess of that provided by a filing otherwise
applicable may be used on any specific risk.