California Code of Regulations
Title 10 - Investment
Chapter 5 - Insurance Commissioner
Subchapter 4.8 - Review of Rates
Article 8 - Timelines for Scheduling and Commencing Hearings
Section 2648.4 - Complete Application

(a) In order to be complete, a rate application must include the following forms, exhibits, data and documentation, which are incorporated by reference: application for approval (form CA-RA1, 5-1-96 ed.), duplicate of form CA-RA1 for return copy, self-addressed envelope with sufficient postage to return the duplicate copy of CA-RA1, Rate/Rule/Underwriting Rule Submission Data Sheet (form CA-RA2, 5-1-96 ed.), Line of Business (form CA-RA3, 5-1-96 ed.), Filing Checklist (form CA-RA4, 5-1-96 ed.), Ratemaking Data (form CA-RA5, 5-1-96 ed.), Reconciliation Report (form CA-RA6, 5-1-96 ed.), Additional Data Required by Statute (form CA-RA7, 5-1-96 ed.), Miscellaneous Data (form CA-RA8, 5-1-96 ed.), Filing History (to be labeled Exhibit 1), Rate Level History (to be labeled Exhibit 2), Premium Adjustment Factor (to be labeled Exhibit 3), Premium Trend Factor (to be labeled Exhibit 4), Allocated Loss Adjustment Expense (to be labeled Exhibit 5), Loss Development Factors (to be labeled Exhibit 6), ALAE Development Factors (to be labeled Exhibit 7), Loss Trend, ALAE Trend, and Expense Trend (to be labeled Exhibit 8), Catastrophe Adjustment (to be labeled Exhibit 9), Policy Term Distribution (to be labeled Exhibit 10), Credibility Adjustment (to be labeled Exhibit 11), Data Availability Report (to be labeled Exhibit 12), Interjurisdictional Expense Allocations (to be labeled Exhibit 13), Unallocated Loss Adjustment Expense (to be labeled Exhibit 14), Other Expense Items (to be labeled Exhibit 15), Ancillary Income (to be labeled Exhibit 16), Federal Income Tax Rate (to be labeled Exhibit 17), Projected Investment Income Ratio (to be labeled Exhibit 18), Loss Reserves, Loss Adjustment Expense Reserves, and Unearned Premium Reserves (to be labeled Exhibit 19), Insurer's Ratemaking Calculations (to be labled Exhibit 20), Rate Distribution (to be labeled Exhibit 21), Rate Classification Relativities (to be labeled Exhibit 22), New Program (to be labeled Exhibit 23), Group Filing (to be labeled Exhibit 24), rating rules, and rate pages. The application must also contain a summary and explanation of the purpose for the filing. The Filing Instructions (forms CA-IA1--CA-I8, 5-1-96, ed.) for these forms and exhibits are incorporated by reference.

(b) Notwithstanding the completeness determination, the Commissioner may later require the submission of relevant underwriting rules and other relevant documents from an applicant in order to perform a complete analysis of an application.

(c) Requests for variances as authorized by section 2644.27 shall be on the following form:

Request for Variance