Government Affairs, Legal & Compliance


AAIS Government Affairs, Legal & Compliance continuously monitors the regulatory environment for changes in the evolving P&C marketplace

For companies looking for speedy, reliable action on legislative, judicial or regulatory changes that affect their products and services, look to AAIS. AAIS Government Affairs, Legal & Compliance professionals continuously monitor the regulatory environment for changes in the evolving P&C marketplace, and delivers timely updates to our Members. That vigilance also helps ensure AAIS maintains compliant forms.

AAIS Government Affairs, Legal & Compliance (GLC) services include:

  • Participation in government relations activities through trade associations and other national entities.
  • Sharing information on impending regulatory actions with Members.
  • Contributions to policymaking decisions that shape regulation.
  • Continuous monitoring of legislation and court decisions that trigger notification to our customers of any changes needed.
  • Expedited development of compliance filings to allow companies to adopt solutions immediately upon regulatory approval.
  • Delivery of those changes with clear concise instruction on impact to products.

Hi-Tech Access

  • StateNet and LexisNexis Research Tools.
  • System for Electronic Rate and Form Filing
    SERFF is the NAIC’s state-of-the-art platform for insurers and regulators, accelerating the pace of entry for new and renewing products, while ensuring compliance.
  • Use of social media, blogs as well as the traditional advisories and bulletins to notify customers of important compliance information.

Dedicated Service

  • Seasoned attorneys with private firm claims defense and insurance product development experience.
  • Compliance professionals with decades of insurance company compliance and SERFF filing Experience.
  • Consultative reviews of programs for compliance and filing support for custom proprietary programs.


For more information...
To find out more about AAIS’s Government Affairs, Legal & Compliance solutions, 

Robin Westcott, J.D.
Vice President - Government Affairs, Legal & Compliance

Robin is an attorney who spent more than 19 years in insurance-related regulatory positions in Florida, most recently as the state’s consumer insurance advocate, before joining AAIS in 2013. In her current role, Robin oversees AAIS’s product compliance operations and consults with state insurance departments about the practical implications of regulatory initiatives.

Compliance Corner

Keep up with important news in the regulatory space, with our compliance-specificFacebook and Twitter feeds. When attending live events, we often post updates in real time. 



The latest release of openIDL (open Insurance Data Link) expands upon existing statutory reporting capabilities with special support for regulatory Data Calls. New features and enhancements to user interfaces enable Member insurance companies and regulators to collaborate more effectively on the development of Data Calls, to increase timeliness, efficiency and overall value.

GLC News

Michigan Issues Realized Savings Filing Requirements to Comply With MCL 500.2111f(8)

Michigan Issues Realized Savings Filing Requirements to Comply With MCL 500.2111f(8)


On May 12, 2022 the Michigan Department of Insurance and Financial Services issued an email regarding Realized Savings Filing Requirements in order to comply with MCL 500.2111f(8). Companies writing personal automobile insurance in this state must submit a filing demonstrating how they are passing along the savings realized from the application of MCL 500.3157(2)-(12). SERFF has been updated as follows:

Updated SERFF Exhibits – The following exhibits are required for all rate filings and will be updated as follows.

  • PIP Rate Reduction Exhibit – 2111f(2) – The file name has been changed to reference 2111f(2) and the instructions have been updated in SERFF and in the exhibit to include the following:
    • Savings realized pursuant to MCL 500.2111f(8) must be excluded from the 2111f(2) savings in this exhibit. 
  • P&C Checklist Exhibit – The checklist has been updated to include the following attestation:
    • I attest that that the reported savings realized as required by MCL 500.2111f(8) have been excluded from the 2111f(2) savings in the PIP Rate Reduction Exhibit attached to this filing.

Insurer groups are required to demonstrate compliance with MCL 500.2111f(8) for each company. If an insurance group experiences a shift in policyholders between affiliated companies (e.g. book transfers), companies may wish to determine the realized savings at the group level and allocate the savings to individual companies based on the current distribution of policyholders by company.

New companies without affiliates that do not have realized savings on accidents that occurred prior to July 2, 2021 must demonstrate that there are no savings by completing the required exhibit and providing an explanation of why there are no savings realized.

This requirement must be satisfied with every rate filing submitted after July 1, 2022, pursuant to MCL 500.2111(8). If the company is submitting an updated analysis from a previously approved filing and the analysis demonstrates that a change is not warranted, the filing must be accompanied by the attestation above, along with the name and title of the person providing the attestation.

The initial rate filing must be submitted no sooner than July 2, 2022 and no later than September 9, 2022. In accordance with MCL 500.2108(6), the effective date of the filing listed in SERFF must be at least 90 days from the date the filing is submitted. Companies may request an effective date earlier than the end of the waiting period by making this request in writing in the filing memorandum. In no event shall the initial rate filing mentioned above be effective after January 1, 2023. 

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