• Commissioner's Regulatory Authority
• Rate Filings
• Disapproval of Rates
• Rate Increases
• Application for Rate Increase or Decrease
• Ratemaking Standards
• Amendment of Rating Systems
• Senior Driver Discount

• A five year rate change history
• The proposed rate impact by territory must be identified for the proposed filing
• A histogram showing the percentage of insured's falling with a range of premium increase. i.e. (0-10%, 10-20% increase, etc.)
• An indication exhibit to include loss, expense and investment income information using Alabama and, if necessary, countrywide data.

• Filing and Approval of Forms
• Disapproval of Forms
• Policy Contents
• Execution of Policy
• Renewal by Certificate or Endorsement

Other related rate and/or form filing guidelines:

• Punitive damage exclusions for liability policies covering bodily injury are not allowed for cases involving wrongful death. This is based on a February 1, 1978, Attorney General's advisory opinion on this issue. Also, punitive damage exclusions are not allowed for uninsured motorist coverage based on a recent Alabama Supreme Court Decision titled Omni vs. Foreman.
• Cancellation Clause - Less than pro-rata is acceptable for situations where the insured has requested cancellation, however, less than pro-rata is defined as .90 of pro-rata unless statistical justification is provided to support another short-rate methodology. If a company does not define " less than pro-rata" in their form, it must be defined in their rule and rate manual.
• Guidelines for Arbitration Agreements - Administrative Bulletin Dated March 5, 1998
  • Bulletin Regarding Approval of Arbitration Agreements
  • Arbitration Guidelines
  • Generic Disclosure Form
• Industrial Fire Insurance Policies - Regulation No. 9
• Credit Property and Involuntary Unemployment Insurance - Regulation No. 93  
• Surcharges for Accidents Caused by Defective Tires - Administrative Bulletin Dated September 21, 2000
• Installment Fee Plan Filing Requirements - Administrative Bulletin Dated July 17, 2000
• Policy and Billing Procedure - Administrative Bulletin Dated January 1, 1995
• Prohibited Policy Cancellation and Nonrenewals - Administrative Bulletin Dated July 20, 2004
• Experience Rating/Schedule Rating of Commercial Risks - Administrative Bulletin Dated December 12, 1989
• Schedule rating credits are limited to +/- 25% in Alabama.
• Domestic Abuse Insurance Protection Act, codified as Sections 27-55-7, et seq., Code of Alabama, 1975