LAKE, Justice.
The North Carolina Fire Insurance Rating Bureau is a statutory agency created by the State "for the purpose of making rates and rules and regulations which affect or determine the price which policyholders shall pay for insurance." GS 58-125, 127. "For rate making purposes, the Bureau is to be regarded as if it were the only insurance company operating in North Carolina and as if it had an earned premium experience, an incurred loss experience and an...
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