The Hybrid Audit is the main examination developed to test all required private passenger audit components. Each ARC is scheduled for audit once every five years. The report measures quota share and rate making results in accordance with the Statistical Plan, and determines adherence with statutory requirements and CAR Rules including Lane-Bolling, Claims Performance Standards, and the Special Investigation Unit. Reperformance of rates is completed to verify that the reported premium agrees to the MAIP or voluntary rates on file with the Division of Insurance.
CAR’s commercial audit program focuses on the four residual market Servicing Carriers (SC). Each is audited biennially. The audits similarly focus on the accuracy of statistical reporting and adherence to statutory requirements and CAR Rules. Reperformance of rates is also completed to verify that the commercial residual market and voluntary rates on file with the DOI are accurately applied. Enhanced Procedures underwriting audits are completed to validate that SC’s follow the rules, documentation requirements, and procedures to confirm residual market eligibility.
Please contact the Compliance Audit Department directly with any questions or report requests.
Compliance Audit Reports Individual company reports for the current statistical audit cycle as well as the immediate past audit cycle are available in this section. They show in detail, the results of the examinations which are designed to test the accuracy of Premium and Claim transactions reported to CAR. Reports are password protected so that each company may access only its own reports.
Reinsurance Audit
Duplicate Allocated Expenses Displays Allocated Expense records that have the same claim number and loss amount that may be duplicate.
Duplicate Payments For PIP Displays PIP claims that have the same claim number and same dollar amount within the same policy.
Duplicate Payments Other Than PIP Displays liability and physical damage claims that have the same claim number and dollar amount within the same policy.
Indemnity Subrogation Analysis Displays the number of net indemnity and subrogation records for each same absolute dollar value within a particular ceded claim number.
Negative Claim Balances Displays claims having a net negative balance by grouping the policy effective year, policy number, claim number, subline code, and loss types for all paid loss and paid allocated loss records together.
SIU Completed Audit Emails
Template - Rule 10/32.C.2 CAR Rule 10.C.2. and 32.C.2. requires that each ARC’s SIU must conduct audits on a representative sample of policies to verify garaging and policy facts. Companies are required to email this information to siulog@commauto.com.
SIU Quarterly Referrals
Data Template - Claims Companies can report their quarterly savings online using this template.
Data Template - Underwriting Companies can report their quarterly savings online using this template.
Referral Data Upload Upload and review quarterly SIU activity using the CSV (comma-separated values) file format.
Referrals Accepted Report Each servicing carrier is required to report quarterly to CAR the number of cases assigned to its SIU, the number of cases denied or compromised for all claims, and the dollars saved.
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