This subchapter provides for exempting certain contracts or coverage from the requirement in Insurance Code Chapter 1701 that such contracts or coverage be filed for review with the Texas Department of Insurance before being delivered, issued, or used in this state; this exemption is applicable only if the coverage is otherwise authorized for use in this state and is appropriate under Insurance Code Chapter 1701, as if no provision for exemption existed. The exemption is for 45 days from the effective date of the coverage or until a later date as provided in this subchapter. The department has determined that the filing of certain forms or coverage before it goes into effect is not desirable or necessary for the protection of the public, and further that the requirement in Insurance Code Chapter 1701 that such forms be filed for review with the Texas Department of Insurance before being delivered, issued, or used in this state may not practicably be applied to such forms or coverage prior to its issuance or delivery in Texas.