(a) Each filer shall provide reasonable means within the State by which a person aggrieved by the application of its rating system may be heard in person or by an authorized representative on the person’s written request to review the manner in which the rating system has been applied in connection with the insurance afforded the aggrieved person.
(b) If the filer fails to grant or reject the aggrieved person’s request within 30 days after it is made, the applicant may proceed as if the application had been rejected.
(c) Within 30 days after written notice of the action of a filer on a request for review, any person affected by the action may appeal to the Commissioner.
(d) (1) The Commissioner shall hold a hearing on the action of the filer.
(2) The Commissioner shall give written notice of the hearing to the appellant and filer at least 10 days before the hearing.
(3) After the hearing, the Commissioner may affirm or reverse the action.