Authorizes a proposed increase or decrease in a rate for certain kinds and lines of insurance to be implemented pending approval or disapproval by the Commissioner of Insurance. (BDR 57-93)

SB 92 allows insurance companies to immediately implement proposed rate increases or decreases for most insurance types (excluding certain health plans) while waiting for the Commissioner of Insurance's final approval or disapproval. Currently, insurers must wait for approval before implementing changes, but this bill permits immediate implementation pending the Commissioner's decision. If the Commissioner later disapproves a rate change, insurers must stop using it within 90 days of the disapproval order, though existing policies may require premium adjustments after that date. This bill modifies Nevada’s insurance rate filing law (NRS 686B.070) and directly affects insurers and policyholders for non-health insurance lines.