Ins. Code 12414.26 does not immunize a title insurer from liability with respect to rates it has not filed with the Insurance Commissioner.  The section provides:  “No act done, action taken, or agreement made pursuant to the authority conferred by Article 5.5 [dealing with rate filing and regulation] . . . of this chapter shall constitute a violation of or grounds for . . . civil proceedings . . . .” Plaintiffs alleged that in connection with its escrow closings Fidelity charged document preparation fees and delivery service fees.  Fidelity should have, but hadn’t, applied for a separate rate for delivery services and that its filed rate for document preparation didn’t apply to preparation of deeds in connection with sales transactions.  The section grants insurers immunity from other laws if they charge rates they have properly filed with the Insurance Commissioner, but not with respect to unfiled rates like those at issue in this case.  Also, an insured need not exhaust the optional procedure of complaining to the Insurance Commissioner under Ins. Code § 12414.13 before suing the insurer for collecting the unfiled rates.