211 CMR 79.01 - Purpose and Scope

Current through Register 1466, April 1, 2022

(1) 211 CMR 79.00 shall apply to Rates and Premium charges for all types of coverages under private passenger motor vehicle insurance policies including, but not limited to, the form and content of Rate and Advisory Filings for the Voluntary Market in accordance with M.G.L. c. 175E and M.G.L. c. 175A; Residual Market Rate Filings in accordance with M.G.L. c. 175A; activities of Rating Organizations, and the conduct of hearings and related proceedings under M.G.L. c. 175A and M.G.L. c. 175E.
(2) The purposes of 211 CMR 79.00 are:
(a) To promote the public welfare by regulating insurance rates so that they are not excessive, inadequate or unfairly discriminatory;
(b) To promote the accuracy and fairness of private passenger motor vehicle insurance rates;
(c) To promote price competition among Insurers so as to provide insurance rates that are responsive to Competitive Market conditions;
(d) To prohibit price-fixing agreements and other anticompetitive behavior by Insurers;
(e) To provide regulatory procedures for the maintenance of appropriate data reporting systems;
(f) To authorize essential cooperative action among Insurers in the ratemaking process and to regulate such activity to prevent practices that tend to lessen competition substantially or to create a monopoly; and
(g) To provide price and other information to consumers to enable them to purchase insurance suitable for their needs.


211 CMR 79.01
Amended by Mass Register Issue 1355, eff. 12/29/2017.

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