12     -REPORT OF THE COMMISSIONER OF INSURANCE.


pany fails to nake the correction within a: stated time, the imsur-
anee commissioner must revoke its license. The! state of New
HIampsshire has, a similar provision vesting the insurance com.mis-
sioner with power to review any rate, and the statute penalizes
a refusal by an insurance company to write insurance at the rates
fixed byr the insurance commissioner. This law has been in
force since 1899, but has never been invoked.
FILING OF THE RATES FOR STATE REVIEW.
A greater degree of authority on the part of the state is con-
tained in requirements for the filing of agreements or rates with
some state official or board. Of these laws there are now eight,
namely, the Arkansas, Kansas, Kentucky, New Jersey, New York,
North Carolina, Washington and the West Virginia. The New
York, North Carolina and West Virginia laws are practi-
cally alike, and for these three it will suffice to indicate the scope
of the New York statute. This law requires that all agreements
between companies to make rates be filed with the insurance com-
missioner. The operations of rate-making bureaus or associa-
tions are subject to his examination. The companies or bureaus
must file with the insurancei commissioner any schedule of rates
or other information which he may demand!. The; insurance
commissioner has power to review the rates upon questions of
discrimination "between risks of essentially the same, hazards and
having substantially the same degree of fire protection."  He
may order such discrimination removed, and the companies or
bureaus must comply with his order. By an amendment enacted
in 1913, an' insurance company or bureau may not remove sucllh
discrimination by increasing the rates on any risk or, class of risks
affected by such order unless the increase appears, justifiable!.
Arkansas also requires a. filing of the rates and schedules with
the insurance commissioner and prohibits discrimination between
risks of the same classs under the penalty of a fine, and revocation
of license. A unique provision of the Arkansas law requires' the
local agent of a fire insurance company to make at least one per-
sonal inspection of the property during the term of the policy.
The New Jersev and Washington statutes are quite similar to
the New York law.
The states of Kansas and Kentucky have! providedi- the regula -
tion Contemplated by the New York statute but the power of the