Selective Memory, Perhaps.

Two interesting quotes on a current case.

In a letter from Travelers insurance to my client:
"We are not willing to provide additional detail regarding the schedule debits, as the pricing was fully disclosed and agreed upon prior to the 6/1/2018 renewal."

From the NCCI Basic manual:
"At the time that the schedule rating factor is applied, the carrier must have documentation on file detailing the basis for the credit or debit. This documentation must be provided to the insured on request."

Methinks we shall be referring this to the Department of Insurance. Fascinating how insurance companies fail to read the manual rules that apply to their policies.