Maryland § 18-115

§ 18-115.

    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.