(a) Every malpractice insurer shall file with the Insurance Commissioner every manual of classifications, rules, and rates, every rating plan, and every modification of any manual classification, rule, or rate that it proposes to use in this state.
(b) The expense provisions included in the rates to be used by a malpractice insurer shall reflect its:
(1) Operating methods; and
(2) Actual and anticipated expense experience.
(c)
(1) The rates to be used by a malpractice insurer shall contain provisions for contingencies and an allowance permitting a reasonable rate of return.
(2) In determining a reasonable rate of return, consideration shall be given to all investment income reasonably attributable to the insurer's malpractice insurance line of business.
(d) Every filing shall:
(1) State its proposed effective date;
(2) Indicate the character and extent of the coverage contemplated; and
(3) Contain supporting information which may include:
(A) The experience or judgment of the malpractice insurer making the filing;
(B) Its interpretation of any statistical data relied upon;
(C) The experience of other malpractice insurers; and
(D) Any other factors that the malpractice insurer deems relevant.