In evaluating the expected and actual loss ratios, the Commissioner shall consider: (1) the statistical credibility of incurred claims experience and earned premiums; (2) the period for which rates are computed to provide coverage; (3) experienced and projected trends; (4) the concentration of experience within early policy duration; (5) expected claim fluctuation; (6) experienced refunds, adjustments, or dividends; (7) renewability features; (8) all appropriate expense factors; (9) interest; (10) the experimental nature of the coverage; (11) policy reserves; (12) the mix of business by risk classification; and (13) product features, including long elimination periods, high deductibles, and high maximum limits.
Maryland Legal Code