Oh surfcitytom while some of what you've said is correct you are misinformed once again. The Rate Bureau sets the manual rates but it is the Commissioner of the Department of Insurance who approves the % increases and % decreases from those manual rates. All rate modifications are subject to the approval of the Commissioner. The issue is the 30% increase from the manual rates for our area while other areas got a 6% decrease. This decision was approved by the Insurance Commissioner.