1096                            LAWS OF MARYLAND                       [CH. 553

zation making the filing, (ii) its interpretation of any statistical data
it relies upon, (iii) the experience of other insurers or rating organi-
zations, or (iv) any other relevant factors. A filing and any support-
ing information shall be open to public inspection after the filing be-
comes effective. Specific inland marine rates on risks specially rated,
made by a rating organization, shall be filed with the Commissioner.

(2)   An insurer may satisfy its obligation to make such filings by
becoming a member of or a subscriber to a licensed rating organiza-
tion which makes such filings, and by authorizing the Commissioner
to accept such filings on its behalf; provided, that nothing contained
in this section shall be construed as requiring any insurer to become
a member of or a subscriber to any rating organization.

(3)   The Commissioner shall review filings as soon as reasonably
possible after they have been made in order to determine whether
they meet the requirements of this section.

(4)   Subject to the exception specified in paragraph (5) of this
subsection, 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 addi-
tional time for the consideration of such filing. Upon written appli-
cation 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 section unless
disapproved by the Commissioner within the waiting period or any
extension thereof.

(5)   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 section until such time as
the Commissioner reviews the filing and so long thereafter as the
filing remains in effect.

(6)   Under such rules and regulations as he shall adopt the Com-
missioner 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 prac-
ticably be filed before they are used. Such order, rules and regula-
tions shall be made known to insurers and rating organizations af-
fected 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 (ii) of paragraph
(1) of subsection (b).

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

(8)   No insurer shall make or issue a contract or policy except in
accordance with the filings which are in effect for said insurer as
provided in this section or in accordance with paragraphs (6) and
(7) of this subsection, provided, that filings which have become ef-
fective under this section, and licenses issued to rating organizations
in accordance with this section shall remain in effect subject to the
provisions of this section.