Property and Casualty Rating Division
John Wells
Director of Property and Casualty Rating

John Wells joined the Mississippi Insurance Department in 1998. He is a 1976 graduate of Mississippi College with a B.S. in General Business. He is a Certified Insurance Counselor (CIC).


The Property and Casualty Rating Division is responsible for reviewing the rates, rules and forms for all property and casualty policies sold by licensed insurance companies in the State. Regulations for procedures to be followed by the companies are contained in Miss. Code Ann. d 83-2-1 et. seq.

The Division operates under a prior approval law, requiring that all insurance companies, rating and advisory organizations must have rates, rules and forms approved before the policy or program is sold. The law has a "deemer" provision, requiring the Division to act on all filings within 30 days of receipt.

When companies submit requests for changes in rates, rules or forms, Division personnel provide the Commissioner a summary of findings and recommend approval or disapproval. Actuarial assistance is sought on certain filings, particularly those involving changes in rates. The Division's personnel answer technical questions, and assist the public with insurance problems. Assistance is also given to the Commissioner on various calls and letters he receives.

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