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Division of Insurance Public Hearing Decisions

As administrator of the insurance laws, the Commissioner of Insurance conducts hearings and issues decisions on a wide range of topics, including statewide insurance rate cases, enforcement actions taken by the Division against its licensees, the financial control and structure of certain domestic insurers, and administrative appeals.

Copies of recent decisions are available in PDF format. These are not official copies of the decisions. Official copies are available at the Division and on reserve at the State House Library.

Note - there are no links to stipulations.

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Table of Contents

Year 2020 Public Hearing Decisions

E2019-18; Division of Insurance v. Samantha Jo Owens; Issued June 18, 2020 (PDF 231.4 KB)
E2019-12; Division of Insurance v. Pankaj Chatwani; Issued June 17, 2020 (PDF 225.01 KB)
E2019-11; Division of Insurance v. Nakima K. Johnson; Issued June 17, 2020 (PDF 234.56 KB)
E2019-08; Division of Insurance v. Christopher Todd Horn; Issued June 17, 2020 (PDF 234.74 KB)
E2019-05; Division of Insurance v. Deandre Maze-Carter; Issued June 17, 2020 (PDF 239.48 KB)
E2019-04; Division of Insurance v. Saul Suster; Issued June 17, 2020 (PDF 225.08 KB)
R2019-01; WCRIB Insurance Rate Filing; Issued March 27, 2020 (PDF 112.26 KB)
G2019-05; P.G. Realty Trust Appeal of Third Referee Fee; Issued March 3, 2020 (PDF 169.96 KB)

Year 2019 Public Hearing Decisions

E2019-14; Division of Insurance v. Lorenzo R. Ballard; Issued December 4, 2019 (PDF 219.43 KB)
E2019-07; Division of Insurance v. Nikia Jones; Issued December 4, 2019 (PDF 216.05 KB)
E2019-03; Division of Insurance v. Gahan Sharei Adams; Issued November 4, 2019 (PDF 232.11 KB)
G2019-03; Annual Medicare Supplement Insurance Hearing; Issued October 30, 2019 (PDF 147.53 KB)
E2019-01; Division of Insurance v. Tawanda Unique Brown; Issued October 22, 2019 (PDF 225.32 KB)
E2019-06; Division of Insurance v. Alex Belfort; Issued October 21, 2019 (PDF 234.77 KB)
C2018-03; Point Ins Co Request for a Hearing; Issued October 21, 2019 (PDF 163.67 KB)
C2019-02; Appeal of Shannon Ins.; Issued October 18, 2019 (PDF 182.69 KB)
G2018-01; Dental Service of Massachusetts, Inc. d/b/a Delta Dental of Massachusetts Proposed Methodology to Reimburse Participating Dentists; Issued June 20, 2019 (PDF 2.48 MB)
G2019-01; Kapinos Request for c. 176H, §14 Hearing; Issued May 17, 2019 (PDF 158.24 KB)
C2019-01; Performance Standards for Private Passenger & Commercial Auto Claims Payments; Issued April 26, 2019 (PDF 157.63 KB)
E2017-19; Division of Insurance v. Alex Drawve; Issued April 23, 2019 (PDF 314.64 KB)
E2018-12; Division of Insurance v. Jamaal M. Richard; Issued April 12, 2019 (PDF 223.74 KB)
E2018-11; Division of Insurance v. Logan Belmore; Issued April 12, 2019 (PDF 227.75 KB)
E2018-07; Division of Insurance v. Crystal L. Booker; Issued April 12, 2019 (PDF 304.96 KB)
C2018-02; Proposed Changes to CAR Rule 29; Issued April 3, 2019 (PDF 208.48 KB)
E2018-03; Division of Insurance v. Kotera Heard; Issued March 29, 2019 (PDF 311.5 KB)
R2018-01; WCRIB Filing for Audit Noncompliance Charge; Issued March 26, 2019 (PDF 336 KB)
C2017-01; Order on Point Insurance Agency’s Appeal of a Decision of Commonwealth Automobile Reinsurers; Issued March 11, 2019 (PDF 315.37 KB)
E2018-04; Division of Insurance v. Mark Bresard-Howard; Issued February 27, 2019 (PDF 314.29 KB)

Year 2018 Public Hearing Decisions

E2018-01; Division of Insurance v. Jordan McKittrick; Issued December 27, 2018 (PDF 303.89 KB)
E2017-01; Division of Insurance v. Wafeek Shalabi; Issued December 27, 2018 (PDF 314.91 KB)
E2017-13; Division of Insurance v. Chandra Barr; Issued December 27, 2018 (PDF 230.43 KB)
E2017-10; Division of Insurance v. Ledarius Dobie; Issued December 26, 2018 (PDF 232.53 KB)
E2017-12; Division of Insurance v. Deise Brito; Issued December 26, 2018 (PDF 227.74 KB)
E2017-15; Division of Insurance v. Rafael Sarabia; Issued December 21, 2018 (PDF 231.75 KB)
G2018-01; Delta Dental Services of Massachusetts, d/b/a Delta Dental of Massachusetts 2018 Filing of the Methodology for Determining Fees Paid to Participating Dentists; Issued November 28, 2018 (PDF 308.83 KB)
E2016-11; Division of Insurance v. Jaclyn Escobar; Issued September 14, 2018 (PDF 144.38 KB)
E2018-09; Division of Insurance v. Richard R. Coscia; Issued September 12, 2018 (PDF 256.29 KB)
W2017-01; Appeal of Tony’s Bakery; Issued August 28, 2018 (PDF 282.03 KB)
E2017-08; Division of Insurance v. Dawn Marie Crowder; Issued July 10, 2018 (PDF 230.52 KB)
E2017-06; Division of Insurance v. Michael Tarantino; Issued July 9, 2018 (PDF 229.61 KB)
E2017-16; Division of Insurance v. Paul E. Smyth; Issued July 6, 2018 (PDF 216.98 KB)
R2017-02; Order Approving an MPUIA Filing for a Named Storm Deductible; Issued May 11, 2018 (PDF 214.05 KB)
R2017-01; WCRIB of MA Insurance Rate Filing; Issued March 21, 2018 (PDF 220.27 KB)
E2017-17; Division of Insurance v. Glenn Paul Pearson ; Issued Jan. 22, 2018 (PDF 198.75 KB)
F2017-02; Acquisition of Control of Electric Ins Co by General Electric Ins Co; Issued Jan. 17, 2018 (PDF 240.03 KB)
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Year 2017 Public Hearing Decisions

E2016-16; Division of Insurance v. Valenzia Ramsey; Issued Dec. 6, 2017 (PDF 226.28 KB)
E2016-17; Division of Insurance v. Joshua A. Vela ; Issued Dec. 6, 2017 (PDF 227.98 KB)
E2016-18; Division of Insurance v. Rodolfo Jimenez; Issued Dec. 6, 2017 (PDF 230.71 KB)
E2017-05; Division of Insurance v. Sherika Brantley; Issued Dec. 6, 2017 (PDF 222.27 KB)
E2017-09; Division of Insurance v. Danielle Halfon; Issued Dec. 6, 2017 (PDF 221.27 KB)
E2017-11; Division of Insurance v. Lester G. Sherman, Jr.; Issued November 24, 2017 (PDF 210.75 KB)
E2017-07; Division of Insurance v. Nadine A. Petrarca; Issued November 24, 2017 (PDF 301.61 KB)
E2017-03; Division of Insurance v. Michael S. Laisney; Issued November 24, 2017 (PDF 306.07 KB)
B2014-01; Cohen, Silvestri & Hammer, et al v. Dental Service of MA, Inc. d/b/a Delta Dental Plan of MA; Issued Oct. 23, 2017 (PDF 250.48 KB)
E2015-08; Division of Insurance v. Chase Carmen Hunter; Issued Oct. 17,2017 (PDF 421.6 KB)
F2017-01; Acq. of Control of NELICO by Brighthouse Financial, Inc.; Issued June 22, 2017 (PDF 188.16 KB)
E2016-15; Division of Insurance v. Eugene Laronzo Bazemore ; Issued May 31, 2017 (PDF 48.66 KB)
E2016-14; Division of Insurance v. Robert Allen Christian; Issued May 31, 2017 (PDF 44.72 KB)
E2016-13; Division of Insurance v. Benjamin Fistel; Issued May 31, 2017 (PDF 43.7 KB)
E2016-08; Division of Insurance v. Steve Stokeling; Issued February 1, 2017 (PDF 67.53 KB)
E2016-07; Division of Insurance v. Jeannette Louise Mix; Issued February 1, 2017 (PDF 60.62 KB)
E2016-12; Division of Insurance v. Blenda V. Gamez; Issued January 26, 2017 (PDF 52.91 KB)
E2016-05; Division of Insurance v. Christopher J. Kopatz; Issued January 27, 2017 (PDF 61.44 KB)
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Year 2016 Public Hearing Decisions

F2016-01; Acquisition of Control of United Casualty; Issued December 5, 2016 (PDF 51.57 KB)
R2016-01 WCRIBMA Filing for Revisions to Manual; Issued September 16, 2016 (PDF 272.73 KB)
E2016-04; Division of Insurance v. Robert G. Draper; Issued August 22, 2016 (PDF 50.39 KB)
E2016-03; Division of Insurance v. Jeffrey B. Cohen ; Issued July 15, 2016 (PDF 235.28 KB)
E2016-06; Division of Insurance v. Sean Green; Issued July 15, 2016 (PDF 232.8 KB)
C2015-01; Performance Standards; Issued May 31, 2016 (PDF 28.83 KB)
C2016-01; CAR Rule 29; Issued May 31, 2016 (PDF 41.61 KB)
E2015-12; Division of Insurance v. John Paul Gutschlag; Issued May 27, 2016 (PDF 306.98 KB)
E2015-15; Division of Insurance v. Germone A. Gadsden; Issued May 23, 2016 (PDF 80.9 KB)
E2015-13; Division of Insurance v. De'Borah Dunbar; Issued April 27, 2016 (PDF 58.62 KB)
R2015-02; WCRIB Rate Filing; Issued April 20, 2016 (PDF 30.24 KB)
E2015-14; Division of Insurance v. Emma M. Moreau; Issued April 15, 2016 (PDF 45.95 KB)
E2015-07; Division of Insurance v. Wade M. Callander; Issued April 14, 2016 (PDF 44.25 KB)
R2015-01; WCRIB Filing for Admiralty et al. Class Rate Revision; Issued March 23, 2016 (PDF 32.31 KB)
E2015-05; Division of Insurance v. Derek A Siewert; Issued March 1, 2016 (PDF 42.24 KB)
E2015-09; Division of Insurance v. Redonda L. Russell; Issued February 19, 2016 (PDF 56.38 KB)
E2015-16; Division of Insurance v. Grace W. Smith; Issued February 2, 2016 (PDF 38.49 KB)
E2014-13; Division of Insurance v. Betsy Burgos; Issued January 7, 2016 (PDF 82.47 KB)
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Year 2015 Public Hearing Decisions

E2015-11; Division of Insurance v. Cassandra L. Ott ; Issued December 28, 2015 (PDF 230.37 KB)
E2015-02; Division of Insurance v. Keely Grimes; Issued December 17, 2015 (PDF 171.89 KB)
E2015-10; Michael Tarantino & Tarantino Ins Agency, LLC v. Division of Insurance; issued December 15, 2015 (PDF 232.42 KB)
E2014-11; Division of Insurance v. Edward L. Austin, III; issued October 28, 2015 (PDF 248.69 KB)
E2010-13; Division of Insurance v. Gary Wayne Fravel; issued October 28, 2015 (PDF 189.62 KB)
R2014-02; MPIUA Dwelling Liability Rate Filing; issued March 24, 2015 (PDF 29.08 KB)
E2013-09; Division of Insurance v. Daniel Marechal; issued January 8, 2015 (PDF 49.83 KB)
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Year 2014 Public Hearing Decisions

E2014-10; Sean Collins v. Division of Insurance; issued October 30, 2014 (PDF 32.39 KB)
E2014-09; Earl O. O'Garro & Hybrid Ins. Agency v. Division of Insurance; issued October 30, 2014 (PDF 85.6 KB)
F2014-01; Acquisition of Control of Tower National Insurance Co & MA Homeland; issued September 11, 2014 (PDF 68.12 KB)
C2014-01; Proposed Amendments to Performance Standards for the Handling and Payment of Private Passenger Motor Vehicle Insurance Claims by Assigned Risk Companies and to Performance Standards for the Handling and Payment of Commercial Motor Vehicle (PDF 29.18 KB)
E2014-07; Division of Insurance v. Jorge A. Pena; issued August 6, 2014 (PDF 49.67 KB)
E2014-06; Division of Insurance v. Samuel Bicalho; issued September 17, 2014 (PDF 49 KB)
R2013-01; Massachusetts Property Insurance Underwriting Association 2013 Rate Filings; Issued June 9, 2014 (PDF 224.9 KB)
E2014-03; Division of Insurance v. Edna D. Duvall; issued June 4, 2014 (PDF 43.99 KB)
E2014-01; Division of Insurance v. Richard Hayward; issued June 4, 2014 (PDF 47.37 KB)
E2013-11; Division of Insurance v. Nancy Hutchinson; issued May 6, 2014 (PDF 46.53 KB)
R2013-02; Rate Filing of the Workers' Compensation Rating and Inspection Bureau; Issued March 21, 2014 (PDF 184.06 KB)

Year 2013 Public Hearing Decisions

E2013-05; Division of Insurance v. Jeffery Douglas Penta; issued December 24, 2013 (PDF 175.46 KB)
E2013-08; Division of Insurance v. Adolphus Nolan, Jr.; issued December 24, 2013 (PDF 290.1 KB)
C2012-02; Appeal of The Calianos Insurance Agency of a Decision of Commonwealth Automobile Reinsurers; Issued November 25, 2013 (PDF 269.65 KB)
E2013-01; Demitrios Economou v. Division of Insurance; Issued October 15, 2013 (PDF 36.31 KB)
E2013-10; J. Edward Surette, III v. Division of Insurance; Issued October 10, 2013 (PDF 39.53 KB)
E2013-01; Demitrios Economou v. Division of Insurance; Issued August 6, 2013 (PDF 54.28 KB)
E2013-06; Division of Insurance v. Hope Allen; Issued June 10, 2013 (PDF 36.73 KB)
E2013-02; Division of Insurance v. Kazimieras V. Stasiukevicius; Issued March 13, 2013 (PDF 164.32 KB)
E2012-10; Division of Insurance v. Lester Williams; Issued March 13, 2013 (PDF 158.84 KB)
E2012-05; Division of Insurance v. Karina Carr-Epstein; Issued March 13, 2013 (PDF 201.37 KB)
E2012-04; Division of Insurance v. Pravit Vincent Chanthalangsy; Issued January 22, 2013 (PDF 57.22 KB)
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Year 2012 Public Hearing Decisions

E2012-03; Division of Insurance v. Gary A. Gahan; Filed September 26, 2012 (PDF 60.44 KB)
F2012-01; In the Matter of the Proposed Acquisition of Control of Neighborhood Health Plan, Inc., by Partners HealthCare System, Inc.; Filed September 14, 2012 (PDF 102.6 KB)
R2012-01; Rate Filing of the Worker's Compensation Rating and Inspection Bureau; Filed August 30, 2012 (PDF 248.83 KB)
E2012-02; Mona-Lissa Frain v. Division of Insurance; Filed July 24, 2012 (PDF 49.88 KB)
C2012-01; Hearing on Proposed Amendments to CAR Rules 28, 30, 31; Issued 07/03/2012 (PDF 54.98 KB)
E2011-06; Matthew David Lanza, Petitioner v. Division of Insurance, Respondent; Issued 06/29/2012 (PDF 112.44 KB)
R2011-02; Massachusetts Property Insurance Underwriting Association 2011 Rate Filings; Issued 05/11/2012 (PDF 183.13 KB)
E2011-08; Philip G. Haddad, Jr. v. Division of Insurance; Issued 02/09/12 (PDF 59.14 KB)
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Year 2011 Public Hearing Decisions

C2011-02; Proposed Amendments to Performance Standards for the Handling and Payment of Commercial Claims by Servicing Carriers; Hearing on July 26, 2011 (PDF 30.12 KB)
G2011-07; Annual Hearing to Monitor the Overall Condition of the Massachusetts Market for Medicare Supplement Insurance; Issued July 28, 2011 (PDF 48.08 KB)
W2009-01; Appeal of A&S Construction Company of its 2007-2008 Workers Compensation Policy Audit Premium; Issued June 30, 2011 (PDF 58.68 KB)
E2011-04; Paul Burke v. Division of Insurance; Issued June 22, 2011 (PDF 46.31 KB)
B2010-01; Boris O. Bergus, M.D., et al. v. Blue Cross Blue Shield of Massachusetts; Issued May 31, 2011 (PDF 101.17 KB)
C2011-01; Performance Standards for the Payment and Handling of Private Passenger Motor Vehicle Insurance Claims; Issued May 13, 2011 (PDF 29.05 KB)
E2011-02; Division of Insurance v. James Timothy Shelnut; Issued: April 22, 2011 (PDF 52.09 KB)
R2011-01; Rate Filing of the Workers' Compensation Rating and Inspection Bureau; Issued April 11, 2011 (PDF 30.97 KB)
E2010-12; Andrew C. Berger v. Division of Insurance; Issued March 22, 2011 (PDF 90.96 KB)
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Year 2010 Public Hearing Decisions

E2010-03; Division of Insurance v. Raymond P. Gerrioe, Jr.; Issued December 8, 2010 (PDF 65.02 KB)
E2010-10; Division of Insurance v. Paul R. Cooper; Issued August 17, 2010 (PDF 49.45 KB)
E2010-05; Division of Insurance v. Dana Brett Polk; Issued June 7, 2010 (PDF 51.12 KB)
R2010-03; Decision on Occidental Fire and Casualty Company of North Carolina's Private Passenger Motor Vehicle Rate Filings Dated January 11 and March 3, 2010; Issued on August 25, 2010 (PDF 93.06 KB)
F2010-03; The Proposed Acquisition of Control of Higham Mutual Fire Insurance Company and Danbury Insurance Company by New London County Mutual Insurance Company; Issued August 19, 2010 (PDF 94.06 KB)
R2010-07; Final Agency Decision on Fallon Community Health Plan v. Division of Insurance; Issued August 6 2010 (PDF 1.36 MB)
G2010-08; Annual Hearing to Monitor the Overall Condition of the Massachusetts Market for Medicare Supplement Insurance; Issued July 1, 2010 (PDF 36.89 KB)
R2010-02; Final Agency Decision on Harvard Pilgrim Health Care Inc. v. Division of Insurance; Issued June 24, 2010 (PDF 1.05 MB)
F2010-02; In the Matter of the Proposed Acquisition of Control of Massachusetts Homeland Insurance Company by Tower Group, Inc. and Tower Insurance Company of New York; Issued June 23, 2010 (PDF 93.58 KB)
R2010-01; Rate Filing of the Workers' Compensation Rating and Inspection Bureau; Issued May 12, 2010 (PDF 38.44 KB)
F2010-01; In the Matter of the Acquisition of Control of Primerica Life Insurance Company by Warburg Pincus Private Equity X, L.P. and Warburg Pincus LLC; Issued March 25, 2010 (PDF 77.72 KB)
G2010-03; Proposed New Methodology to be Used to Determine Fees that Delta Dental Pays Participating Dentists Pursuant to G.L. c. 176E, s.4; Issued March 16, 2010 (PDF 91.69 KB)
E2009-24; Thomas J. Quinn v. Division of Insurance; Issued March 8, 2010 (PDF 53.93 KB)
E2009-15; Division of Insurance v. Kevin E. Brown; Issued March 8, 2010 (PDF 47.63 KB)
E2009-22; Division of Insurance v. Sestatic Insurance Agency, Inc. and Moses E. Kadiri; Issued January 27, 2010 (PDF 63.56 KB)
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Year 2009 Public Hearing Decisions

R2009-02; Massachusetts Property Insurance Underwriting Association 2009 Rate Filings; Issued January 14, 2010 (PDF 36.25 KB)
Proposed Amendments to MAIP Rules 28 and 29; Letter Issued December 18, 2009; (PDF 52.58 KB)
E2009-14; Division of Insurance v. John R. Braz Insurance Agency, Inc. and Joanne C. Braz; Issued November 19, 2009 (PDF 51.28 KB)
M2009-01; Proposed Changes to Experience Review Plan Submitted by Medical Professional Mutual Insurance Company; Issued November 18, 2009 (PDF 24.84 KB)
C2009-05; Commonwealth Automobile Reinsurers Proposed Revisions to the Performance Standards For the Handling and Payment of Private Passenger Motor Vehicle Insurance Claims; Issued November 13, 2009 (PDF 39.14 KB)
E2009-01; Division of Insurance v. Eugene W. Downing, Jr.; Issued October 22, 2009 (PDF 105.44 KB)
E2009-09; Division of Insurance v. Hakima Helen Robinson-Rashad; Issued Orctober 5, 2009 (PDF 53.48 KB)
E2009-20; Division of Insurance v. Annette Toms Dickenson; Issued September 25, 2009 (PDF 51.92 KB)
E2009-17; Elias White v. Division of Insurance; Issued September 9, 2009 (PDF 38.43 KB)
C2009-04; Commonwealth Automobile Reinsurers' Proposed Changes to MAIP Rules 21 and 30; Issued September 10, 2009 (PDF 42.56 KB)
E2009-10; Division of Insurance v. Darla Denise Smoot; Issued September 1, 2009 (PDF 51.22 KB)
F2008-02; The Merger of John Hancock Life Insurance Company, John Hancock Variable Life Insurance Company and John Hancock Life Insurance Company (U.S.A.); Issued August 27, 2009 (PDF 81.6 KB)
G2009-05; Annual Hearing to Monitor the Overall Condition of the Massachusetts Market for Medicare Supplement Insurance; Issued July 3, 2009 (PDF 27.91 KB)
E2009-07; Division of Insurance v. Carlo F. Oldenberg; Issued July 6, 2009 (PDF 54.01 KB)
C2009-04; Commonwealth Automobile Reinsurers' Proposed Changes to MAIP Rules 21 and 30; Issued September 10, 2009 (PDF 42.56 KB)
E2009-08; Division of Insurance v. Roberto Ettorre; Issued June 4, 2009 (PDF 49.8 KB)
E2009-05; Division of Insurance, Petitioner v.Philip C. Sandberg, Respondent; Issued May 11, 2009 (PDF 46.53 KB)
E2009-06; Division of Insurance v. Fred A. Drewery, Jr.; Issued May 6, 2009 (PDF 45.36 KB)
E2009-04; Division of Insurance v. Eleasar Fraga; Issued May 6, 2009 (PDF 47.08 KB)
C2009-01; Emergency Amendments to Rules 22 and 29 of Commonwealth Automobile Reinsurers; Issued May 1, 2009 (PDF 199.17 KB)
G2008-10; Concerning Fees Delta Dental Pays Participating Dentists and Method Used to Determine Such Fees Pursuant to M.G.L. 176E s. 4; Issued April 14, 2009 (PDF 127.13 KB)
E2009-02; Division of Insurance v. Gregg T. Rennie; Issued April 10, 2009 (PDF 66.69 KB)
E2009-03; Division of Insurance v. Lisa Sue Mize; Issued April 13, 2009 (PDF 40.73 KB)
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Year 2008 Public Hearing Decisions

F2008-04; In the Matter of the Acquisition of Control of First Allmerica Financial Life Insurance Company; Issued December 30, 2008 (PDF 91.43 KB)
F2008-03; In Regard to the Proposed Redomestication of SPARTA Insurance Company to Connecticut; Issued December 30, 2008 (PDF 38 KB)
E2008-17; Division of Insurance v. John Wayne Goff; Issued November 19, 2008 (PDF 47.69 KB)
E2008-19; Division of Insurance v. Cheryl D. Williams; Issued November 12, 2008 (PDF 40.93 KB)
E2008-12; Division of Insurance v. John Christopher Sweeney; Issued August 22, 2008 (PDF 54.9 KB)
E2008-13; Division of Insurance v. Terrel Y. Bruce; Issued August 6, 2008 (PDF 38.06 KB)
E2007-11; Division of Insurance v. Victor A. Lindsey; Issued April 16, 2008 (PDF 47.83 KB)
E2008-10; Division of Insurance v. Kiana C. Mims; Issued August 5, 2008 (PDF 42.48 KB)
E2008-08; Division of Insurance v. Corrina R. Allen; Issued June 16, 2008 (PDF 44.74 KB)
E2008-07; Division of Insurance v. Peter Tzamalas; Issued June 12, 2008 (PDF 38.99 KB)
F2008-01; Decision and Order in the Acquisition of Control of Commerce Ins. and Citation Ins. Companies by Mapfre S.A.; Issued May 22, 2008 (PDF 79.26 KB)
R2007-02; Massachusetts Property Insurance Underwriting Association (FAIR Plan) Rate Filing; Issued May 8, 2008 (PDF 81.5 KB)
E2008-06; Division of Insurance v. Craig Kendell Mason; Issued May 7, 2008 (PDF 48.4 KB)
C2008-01; Decision and Order on Amendments to Rules 21 through 24 and 26 through 38 of the Massachusetts Automobile Insurance Plan; Issued May 6, 2008 (PDF 94.27 KB)
E2007-06; John C. Magennis v. Division of Insurance; Issued April 25, 2008 (PDF 515.67 KB)
R2008-01; Rate Filing of the Workers' Compensation Rating Bureau; Issued April 17, 2008 (PDF 278.83 KB)
E2008-01; Division of Insurance v. Andrew Layne Weeks; Issued March 31, 2008 (PDF 46.54 KB)
E2007-14; Division of Insurance v. Salvatore Vincent Bottieri; Issued March 18, 2008 (PDF 48.3 KB)
Commissioner's Letter of Disapproval of CAR's Proposed Changes to Rule 29 of the Massachusetts Automobile Insurance Plan; Issued February 6, 2008 (PDF 26.88 KB)
R2007-07; Opinion, Findings and Decision on Premier Insurance Company's Private Passenger Motor Vehicle Rate Filing Dated November 27, 2007; Issued January 31, 2008 (PDF 74.63 KB)
R2007-09; Opinion, Findings and Decision on Arbella Mutual Insurance Company's Private Passenger Motor Vehicle Rate Filing Dated November 27, 2007; Issued January 30, 2008 (PDF 83.33 KB)
R2007-08; Opinion, Findings and Decision on Request for Hearing on Hanover Insurance Group's Private Passenger Motor Vehicle Rate Filing Dated November 27, 2007; Issued January 28, 2008 (PDF 75.45 KB)
R2007-06; Opinion Findings and Decision on Request for Hearing on Safety Insurance Company's Private Passenger Motor Vehicle Rate Filing Dated November 27, 2007; Issued January 25, 2008 (PDF 69.3 KB)
R2007-04; Opinion Findings and Decision on Request for Hearing on Commerce Insurance Company's Private Passenger Motor Vehicle Rate Filing Dated November 19, 2007; Issued January 25, 2008 (PDF 87.69 KB)
C2007-03; Commonwealth Automobile Reinsurers' Proposed Amendments to Rules of Operation 23, 26, 28 and 30 of the Massachusetts Automobile Insurance Plan; Issued January 2, 2008 (PDF 40.35 KB)
Appendix "A" to the CAR Decision (C2007-03); Issued January 2, 2008 (PDF 76.2 KB)
C2007-04; Order on Commonwealth Automobile Reinsurers' Proposed Amendments to Rules of Operation 11 and 12, and Rules 29 and 30 of the Massachusetts Automobile Insurance Plan; Issued January 16, 2008 (PDF 68.34 KB)
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Year 2007 Public Hearing Decisions

C2007-03; Commissioner's Letter of Disapproval of CAR's Proposed Changes to Rules 23, 26, 28 and 30 of the Massachusetts Automobile Insurance Plan; (Disapproval) Issued October 19, 2007 (PDF 11.73 KB)
E2007-09; Division of Insurance v. Steven Andrew Gilman; Issued September 9, 2007 (PDF 57.11 KB)
E2004-23; Division of Insurance v. Anawan Insurance Agency, Inc. and Stephen G. Michaels; Issued October 9, 2007 (PDF 32.21 KB)
E2007-07; Division of Insurance v. Thomas Joseph Cavalari; Issued September 20, 2007 (PDF 48.38 KB)
C2007-02; Order on Commonwealth Automobile Reinsurers' Proposed Changes to Rule of Operation 13.C ; Issued September 24, 2007 (PDF 91.26 KB)
G2007-06; Annual Medicare Supplement Hearings - Summary of Proceedings and Closing of the Record; Issued August 7, 2007 (PDF 30.8 KB)
F2007-01; In the Matter of the Acquisition of Control of American Employers' Insurance Company by SPARTA Insurance Holdings, Inc; Issued August 31, 2007 (PDF 56.54 KB)
R2007-03; Opinion, Findings, and Decision on the Operation of Competition in Private Passenger Motor Vehicle Insurance in 2008; Issued July 16, 2007 (PDF 1.95 MB)
Appendix A to the Opinion, Findings, and Decision on the Operation of Competition in Private Passenger Motor Vehicle Insurance in 2008 Issued July 16, 2007 (PDF 104.06 KB)
Appendix B to the Opinion, Findings, and Decision on the Operation of Competition in Private Passenger Motor Vehicle Insurance in 2008 Issued July 16, 2007 (PDF 10.79 MB)
Appendix C to the Opinion, Findings, and Decision on the Operation of Competition in Private Passenger Motor Vehicle Insurance in 2008 Issued July 16, 2007 (PDF 1.24 MB)
Amended Decision and Order Following Remand on Changes to Rules of Operation 21 through 40 Issued July 16, 2007 (PDF 522.88 KB)
Appendix A to the Amended Decision and Order Following Remand on Changes to Rules of Operation 21 through 40 Issued July 16, 2007 (PDF 1.06 MB)
Appendix B to the Amended Decision and Order Following Remand on Changes to Rules of Operation 21 through 40 Issued July 16, 2007 (PDF 3.33 MB)
E2007-03; Division of Insurance v. Terrence Scott Haddix; Issued May 23, 2007 (PDF 51.91 KB)
E2004-23; Division of Insurance v. Anawan Insurance Agency, Inc. and Stephen G. Michaels Issued May 15, 2007 (PDF 267.17 KB)
E2007-02; Division of Insurance v. Belinda M. Anderson; Issued May 11, 2007 (PDF 45.99 KB)
R2007-01; Rate Filing of the Workers' Compensation Rating Bureau; Issued May 14, 2007 (PDF 39.72 KB)
W2005-05; Hearing on the Data Collection and Submission Practices of the American International Group With Respect to Massachusetts Workers' Compensation Insurance; Issued May 8, 2007 (PDF 42 KB)
C2004-02; Decision and Order on Suspended Rules of Operation Following Hearing on February 15, 2007; Issued April 19, 2007 (PDF 47.15 KB)
C2005-06; Appeal of Drivers Insurance Agency of a Decision of Commonwealth Automobile Reinsurers; Issued March 5, 2007 (PDF 145.47 KB)
R2006-09; Stipulation In Re: Hearings on Filings of Blue Cross and Blue Shield of Massachusetts, Inc., of Proposed Rates and Policy Forms for Medex Products to be Effective On and After March 15, 2007; Issued January 17, 2007 (PDF 167.72 KB)
E2006-14; Division of Insurance v. Daniel Joseph Reardon; Issued January 3, 2007 (PDF 38.7 KB)
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Year 2006 Public Hearing Decisions

G2006-09; Harleysville Worcester Insurance Company, a Massachusetts Domestic Stock Insurance Company, to Redomesticate to the Commonwealth of Pennsylvania; Issued December 27, 2006 (PDF 26.63 KB)
E2006-13; Division of Insurance v. Eric James Brown; Issued December 20, 2006 (PDF 30.87 KB)
R2006-07; Private Passenger Motor Vehicle Insurance Rates for Rate Year 2007, (Docket Nos. R2006-04, R2006-05, R2006-06 and R2006-07) Issued December 15, 2006 (PDF 512.07 KB)
C2004_02; Decision and Order Following Remand on Changes to Rules of Operation 2, 9 through 14, and 17, and Rules 21 through 40; Issued December 13, 2006 (PDF 157.22 KB)
Transitional and MAIP Rules (PDF 1.05 MB)
F2006-01; In the Matter of the Acquisition of Control of Coface North America Insurance Company by Caisse Nationale des Caisses d'Epargne et de Prevoyance; Issued November 15, 2006 (PDF 65.22 KB)
R2006-03; Proceeding to Designate 2007 Territories for Motor Vehicle Insurance Rating; Issued November 14, 2006 (PDF 33.61 KB)
R2006-03 and R2006-07; Proceeding to Fix-and-Establish Private Passenger Automobile Insurance Rates for 2007 - Main Rate; Issued November 14, 2006 (PDF 33.61 KB)
E2006-02; Division of Insurance v. William T. Rowan and Rowan Insurance Agency, Inc.; Issued October 2, 2006 (PDF 109.78 KB)
C2005-07; Appeal of Phillip Rivera, et al., of a Decision of Commonwealth Automobile Reinsurers; Issued August 29, 2006 (PDF 79.33 KB)
R2005-14; Decision and Order on Massachusetts Property Insurance Underwriting Association Revised Rate Filings; Issued August 11, 2006 (PDF 231.95 KB)
R2006-02; Decision on the Operation of Competition Among Motor Vehicle Insurers; Issued August 10, 2006 (PDF 57.1 KB)
E2005-28; Division of Insurance v. William F. Tracy; Issued August 4, 2006 (PDF 114.82 KB)
E2006-07; Division of Insurance v. Teresa Ann Healey; Issued July 13, 2006 (PDF 119.83 KB)
E2006-06; Division of Insurance v. Richard M. O'Connell; Issued July 11, 2006 (PDF 121.63 KB)
E2006-10; Division of Insurance v. Therese Ann Balducci; Issued July 6, 2006 (PDF 117.04 KB)
E2005-21; Division of Insurance v. Thomas J. Minichiello, Jr; Issued May 12, 2006 (PDF 114.53 KB)
E2006-05; Division of Insurance v. Glen D. Tucker; Issued May 5, 2006 (PDF 117.47 KB)
E2006-04; Division of Insurance v. Tyler Parker Turner; Issued May 5, 2006 (PDF 117.47 KB)
E2005-26; Division of Insurance v. Martin O'Malley; Issued March 16, 2006 (PDF 114.65 KB)
E2005-25; Division of Insurance v. Jeffrey T. Gargaro; Issued March 16, 2006 (PDF 117.06 KB)
E2005-24; Division of Insurance v. Golf Marketing Worldwide, LLC., et al; Issued February 27, 2006) (PDF 129.8 KB)
E2005-23; Division of Insurance v. Desmond Frederick Primus; Issued February 27, 2006 (PDF 115.72 KB)
C2005-08; Appeal of Delores Langford of a Decision of CAR; Issued January 9, 2006 (PDF 92.69 KB)
R2005-14; Decision and Order on Massachusetts Property Insurance Underwriting Association Rate Filings; Issued June 30, 2006. (PDF 236.16 KB)
R2006-01; Application of Amica Mutual Insurance Company to Deviate from the Fixed-and-Established Rates for Private Passenger Automobile Insurance; Issued February 3, 2006 (PDF 28.97 KB)
C2006-01; Order on Commonwealth Automobile Reinsurers Proposed ERP Redistribution Methodology, and Amendment to that Order; Issued January 27, 2006 (PDF 91.96 KB)
E2005-19; Division of Insurance v. John Mark Feeney; Issued January 3, 2006 (PDF 105.12 KB)
E2005-18; Division of Insurance v. David Bruce Kuhnke; Issued January 3, 2006 (PDF 116.96 KB)
E2005-16; Division of Insurance v. Christine Joann Riddell; Issued January 3, 2006 (PDF 105.93 KB)
E2005-15; Division of Insurance v. James Douglas McKinney, Jr.; Issued January 3, 2006 (PDF 107.2 KB)
E2005-14; Division of Insurance v. Russell John Garcia; Issued January 3, 2006 (PDF 125.23 KB)
E2005-13; Division of Insurance v. Roger Dale Crooke; Issued January 3, 2006 (PDF 103.57 KB)
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Year 2005 Public Hearing Decisions

F2005-01; Decision, In the Matter of the Acquisition of Control of Allmerica Financial Life Insurance and Annuity Company by the Goldman Sachs Group, Inc.; Issued December 28, 2005 (PDF 984.41 KB)
F2005-02; Proposed Plan of Reorganization of American Mutual Insurance Company of Boston; Issued December 29, 2005 (PDF 109.87 KB)
E2005-12; Division of Insurance v. Michael Segal; Issued November 23, 2005 (PDF 29.51 KB)
G2005-07; Memorandum of Decision and Order, In The Matter of the Request of Liberty Mutual Fire Insurance Company, A Domestic Stock Insurance Company, To Redomesticate to the State of Wisconsin; Issued: December 21, 2005 (PDF 28.46 KB)
R2005-09_11; Opinion, Findings and Decision on 2006 Private Passenger Automobile Insurance Rates; Issued December 15, 2005 (PDF 727.1 KB)
C2005-04; Order on Proposed Changes to Rule 13 of the Commonwealth Automobile Reinsurers Rules of Operation; Issued September 30, 2005 (PDF 79.41 KB)
C2005-02; Order on Proposed Changes to Rules 11 and 12 of CAR's Rules of Operation; Issued September 20, 2005 (PDF 234.15 KB)
C2005-03; Commonwealth Automobile Reinsurers Proposed Revisions to the Performance Standards for the Handling and Payment of Claims by Servicing Carriers; Issued September 12, 2005 (PDF 79.37 KB)
E2005-03; Division of Insurance v. Tufts Insurance Company; Issued August 9, 2005 (PDF 83.16 KB)
R2005-08; Opinion, Findings and Decision on the Operation of Competition among Motor Vehicle Insurers; Issued June 16, 2005 (PDF 97.21 KB)
R2005-06; Rate Filing of the Worker's Comp Rating and Inspection Bureau; Issued May 19, 2005 (PDF 98.82 KB)
E2005-02; Division of Insurance v. Thurston Gene Gilman; Issued May 17, 2005 (PDF 170.32 KB)
R2005-01; Decision and Order on the Safe Driver Insurance Plan for 2006; Issued April 29, 2005 (PDF 289.84 KB)
E2004-24; Division of Insurance v. Neale; Issued April 4, 2005 (PDF 194.83 KB)
E2004-18; Michael Despres v. Division of Insurance; Issued March 23, 2005 (PDF 89.24 KB)
F2004-02; Order on the Acquisition of Connecticare of Massachusetts, Inc. by the Health Insurance Plan of Greater New York; Issued March 9, 2005 (PDF 353.47 KB)
R2004-07a; Decision on the Appeal of the 2005 Territorial Assignments for Motor Vehicle Insurance Rating; Issued March 7, 2005 (PDF 118.94 KB)
R2005-04; Applications of the Amica Mutual Insurance Company to Deviate from the Fixed-and-Established Rates for Private Passenger Automobile Insurance; Issued February 8, 2005 (PDF 112.52 KB)
R2005-03; Application of Electric Insurance Company to Deviate from the Fixed-and-Established Rates for Private Passenger Automobile Insurance; Issued February 8, 2005 (PDF 111.69 KB)
E2004-29; Division of Insurance, Petitioner v. Melissa Leeanne Pell, Respondent; Issued February 1, 2005 (PDF 124.99 KB)
E2004-21; Division of Insurance v. Michael Francis Napadow, Nations Hazard Insurance Agency, and Nations Hazard Insurance Agency, Order on Motion for Summary Decision; Issued January 18, 2005 (PDF 142.33 KB)
E2004-30; Division of Insurance v. Bradford C. Bleidt, Order on Motion for Summary Decision; Issued January 13, 2005 (PDF 124.08 KB)
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Year 2004 Public Hearing Decisions

E2004-20; Order on Petitioner's Motion for Summary Decision, DOI v. Angela R. Robles; Issued January 6, 2004 (PDF 118.96 KB)
R2004-10; Final Order, Motorcycle Policy Forms and Rates for 2005; Issued December 31, 2004 (PDF 98.73 KB)
R2004-10; Order on the "Renewed Petition to Intervene" and the "Supplemental Petition to Intervene" of The Modified Motorcycle Association of Massachusetts d/b/a Massachusetts Motorcycle Association; Issued December 31, 2004 (PDF 188.42 KB)
C2004-02; Decision and Order on Changes to Rules of Operation 2, 9 through 14, and 17, and Rules 21 through 40; Issued December 31, 2004 (PDF 201.54 KB)
Transitional and MAIP Rules (PDF 1.88 MB)
Transitional and MAIP Rules - Redlined (PDF 1016.88 KB)
Addendum to the Decision and Order on Changes to Rules of Operation 2, 9 through 14, and 17, and Rules 21 through 40; Issued January 7, 2005 (PDF 122.72 KB)
R2004-11_13; Opinion, Findings And Decision On 2005 Private Passenger Automobile Insurance Rates; Issued December 15, 2004 (PDF 1.2 MB)
C2004-02; Order on Proposed Changes to Rules of Operation 2, 9 through 14, and 17 And Rules 21 through 40; Issued November 23, 2004 (PDF 1.43 MB)
C2004-02; CAR - Rules of Operation; Issued September 24, 2004 (PDF 934.96 KB)
E2004-16; Order on Appeal, Division of Insurance v. Richard L. Brown; Issued October 18, 2004 (PDF 83.54 KB)
C2004-02; Order on Change of Hearing Date, Commonwealth Automobile Reinsurers' Proposed Changes to the Rules of Operation; Issued October 8, 2004 (PDF 69.73 KB)
C2004-03; Corrected Order on Commonwealth Automobile Reinsurers' Changes to the Rules of Operation Implementing a Limited Servicing Carrier Plan; Issued October 7, 2004 - nunc pro tunc September 15, 2004 (PDF 154.1 KB)
E2004-07; Decision and Order on Appeal from the Hearing Officer's Decision, John F. Doyle v. Division of Insurance; Issued October 5, 2004 (PDF 71.16 KB)
E2004-16; Division of Insurance v. Richard L. Brown; Issued September 22, 2004 (PDF 149.07 KB)
R2004-07; Opinion, Findings and Decision on the Designation of 2005 Territories for Motor Vehicle Insurance Rating; Issued September 14, 2004 (PDF 235.95 KB)
C2004-02; Proposed Revisions to the Rules of Commonwealth Automobile Reinsurers; Issued August 27, 2004 (PDF 380.66 KB)
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