Hartford Accident & Indemnity Co. v. Insurance Commissioner

Dissenting Opinion by

President Judge Crumlish, Jr.:

Today’s majority decision unduly extends the Insurancé Commissioner’s authority. The Commissioner is now given judicial imprimatur to impress his social theory upon the insurance rate review process.

It is axiomatic that insurance is an evolved plan with risk distribution as its primary characteristic. *259Moreover, to make insurance a feasible means of providing maximum benefit for tbe least amount of money, the insurers must bave sufficient knowledge of past events to be able to determine tbe probability of certain risks occurring. Since…