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Flexible Rate Filing Insurance Rate Regulation as Alternative to Incentive Incompatibility in Prior-Approval


  • Strauss, Jason


Competition can be an effective regulator of rates in property-casualty insurance markets. While many states have moved to file-and-use or use-and-file provisions, some have adopted flexible rate-filing regulations (flex-rating) as a means of combining competitive forces with prior-approval regulation. This short note proposes a change to flex-rating so that it can be used to gradually transition a state from prior-approval to file-and-use or use-and-file.

Suggested Citation

  • Strauss, Jason, 2008. "Flexible Rate Filing Insurance Rate Regulation as Alternative to Incentive Incompatibility in Prior-Approval," MPRA Paper 11167, University Library of Munich, Germany.
  • Handle: RePEc:pra:mprapa:11167

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    Insurance; Regulation; Flexible Rate Filing Regulation;

    JEL classification:

    • L5 - Industrial Organization - - Regulation and Industrial Policy
    • G22 - Financial Economics - - Financial Institutions and Services - - - Insurance; Insurance Companies; Actuarial Studies
    • G28 - Financial Economics - - Financial Institutions and Services - - - Government Policy and Regulation

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