WM. PRESTON LANE, JR., GOVERNOR. 1247

requirements of the operating methods of any such insurer, or
group with respect to any kind of insurance, or with respect
to any subdivision or combination thereof for which sub-
division or combination separate expense provisions are ap-
plicable;

3. Risks may be grouped by classifications for the establish-
ment of rates and minimum premiums. Classification rates
may be modified to produce rates for individual risks in ac-
cordance with rating plans which establish standards for
measuring variations in hazards or expense provisions, or
both. Such standards may measure any difference among
risks that can be demonstrated to have a probable effect upon
losses or expenses;

4. Kates shall not be excessive, inadequate or unfairly dis-
criminatory.

(b) Except to the extent necessary to meet the provisions
of subdivision 4 of paragraph (a) of this sub-section, uni-
formity among insurers in any matters, within the scope of
this sub-section is neither required nor prohibited.

4—KATE FILINGS.

(a) Every insurer shall file with the commissioner every
manual of classifications, rules and rates, every rating plan
and every modification of any of the foregoing which it pro-
poses to use. Every such filing shall state the proposed
effective date thereof, and shall indicate the character and
extent of the coverage contemplated. When a filing is not
accompanied by the information upon which the insurer sup-
ports such filing, and the commissioner does not have suffi-
cient information to determine whether such filing meets the
requirements of the Act, he shall require such insurer to fur-
nish the information upon which it supports such filing and
in such event the waiting period shall commence as of the
date such information is furnished. The information fur-
nished in support of a filing may include (1) the experience
or judgment of the insurer or rating organization making the
filing, (2) its interpretation of any statistical data it relies
upon, (3) the experience of other insurers or rating organiza-
tions, or (4) any other relevant factors. A filing and any
supporting information shall be open to public inspection
after the filing becomes effective.

(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;