If a rate filing is returned to an insurer as not filed and not available for use, after how many days may the insurer not use the filing for policies issued or renewed?

The correct answer is based on the guidelines that govern insurance rate filings. When an insurer receives a notification that their rate filing has been returned as not filed and not available for use, they must adhere to specific timelines concerning the policy issuing and renewal process. In Utah, insurers are prohibited from using the returned filing for any policies issued or renewed after a period of 60 calendar days. This timeframe is in place to ensure that insurers have a defined period to rectify any issues with their rate filings before being able to utilize the rates for new policies or renewals. Understanding this timeline is crucial for compliance, as using an unapproved rate could lead to regulatory penalties or complications for the insurer.