What must be filed with the director regarding certificates of insurance?

The correct response indicates that the form of the certificate of insurance must be filed with the director. This reflects the regulatory requirements wherein the specific format and content of the certificate must adhere to established guidelines, ensuring consistency and compliance across all filings.

Filing the form of the certificate is crucial because it allows the regulatory authority to review and approve the format used by insurers, ensures that all necessary information is included, and that it meets legal standards. This helps protect consumer interests by standardizing the information referred to in these documents.

The other options do not directly pertain to the formal requirements related to certificates of insurance. For instance, while certificates themselves provide proof of coverage, it is their format that must be approved. Insurance premium rates and financial statements relate to broader regulatory oversight of the insurer's operations and financial health rather than to the specific requirements regarding certificates of insurance.