An individual insurer may adopt, by reference, in its own individual rate filing, Experience Rating Plans, Retrospective Rating Plans, Rating Factors and Premium Discount Plans filed with the Commissioner by an authorized rating organization.
Ga. Comp. R. & Regs. R. 120-2-37-.07
O.C.G.A. Secs. 33-2-9, 33-9-20, 33-9-21, 34-9-133.