Please Contact Your Member of Congress to Co-Sponsor the PAID Act

November 14, 2019 Congress has long recognized Medicare's secondary responsibility to pay health care expenses when a beneficiary is injured and another entity is required to pay the... Read more

Wisconsin: Contact Your Lawmakers to Ask for Sponsorship of Raze Order Legislation

September 30, 2019 NAMIC is working closely with the Wisconsin Association of Mutual Insurance Companies and the Wisconsin Insurance Alliance to advance raze order legislation in the Legislature. As NAMIC continues to build support, it is seeking additional... Read more

Please Contact NAMIC to Sign Onto Industry TRIA Letter

September 3, 2019 The Terrorism Risk Insurance Program has served as a vital public-private risk sharing mechanism since its initial enactment following the terror attacks on Sept. 11, 2001. TRIA ensures that terrorism insurance coverage remains available to... Read more

Register for Utah Membership Meeting, Lunch

August 6, 2019 NAMIC will host an all-industry meeting and lunch in Salt Lake City on Sept. 18, 2019, to discuss the upcoming legislative session. The meeting and lunch are open to any property/casualty insurer doing business in Utah... Read more

Register for Oklahoma Membership Meeting, Lunch

August 6, 2019 NAMIC will host an all-industry meeting and lunch in Oklahoma City on Sept. 11, 2019, with Oklahoma Insurance Department Commissioner Glen Mulready and staff. The meeting and lunch are open to any property/casualty insurer doing business in Oklahoma... Read more

Rhode Island In-Person Damage Appraisals

June 28, 2019 Gov. Gina Raimondo is now the only person who can reject the Legislature’s attempt to ban the use of photo inspections. House Bill 6101 makes various changes to the Unfair Claims... Read more

Missouri: Contact Your Senator to Urge Opposition to Motorcycle Helmet Repeal

May 15, 2019 The conference committee for SB 147 kept language in the bill that guts the state’s motorcycle helmet safety law. If passed, this language would allow certain operators with proof of health insurance to no longer wear their helmets. The bill... Read more

Florida: AOB Bill on Senate Special Order Calendar

April 22, 2019 SB 122 is on the Senate Special Order calendar for Apr. 23. The normal order of business is for questions and considerations of any amendments – if filed – when the bill is taken up. The bill then will be “rolled over to third reading” for debate and... Read more

Florida Senate Committee to Take Up AOB Bill

April 17, 2019 The Florida Senate Rules Committee will take up the Senate’s property and auto glass assignment of benefits reform legislation, SB 122, on April 17. Please contact committee members to ask them to vote YES on the bill. Don’t let shady contractors... Read more

Florida: AOB Bill on Special Order Calendar

April 9, 2019 The Florida House on April 10 will take up its assignment of benefits bill, HB 7065, on the Special Order Calendar. If you live in Florida, please contact your state representative to urge him or her to vote "YES" when the bill comes up for a vote... Read more

New York Legislative Action Day

March 28, 2019 NAMIC is proud to once again be co-hosting Legislative Action Day and the Legislative Reception in Albany.  The Legislative Reception will be held 5:30 p.m.-7 p.m. on April 29 at the Fort Orange Club located at 110 Washington Ave. in Albany. Read more

Maryland Direct Action Bill

March 25, 2019 The Maryland House Judiciary Committee will consider on March 27 SB 102, which has been double referenced to the House Judiciary and Economic... Read more

Illinois Workers Compensation Exclusive Remedy Under Attack

March 11, 2019 SB 1596 is the first in a series of expected attacks to the workers’ compensation exclusive remedy Illinois employers and insurers can expect to see during this administration. The bill aims to allow employees to file tort lawsuits against... Read more

Oregon: Unfair Trade Practices Act

March 6, 2019 SB 728, Unfair Trade Practices Act, was heard in a public hearing by the Senate Judiciary Committee on March 5, and it could be scheduled for a committee work session and voted on in the near future. Consequently, NAMIC needs member outreach... Read more

Maryland: Ask State Senators to Vote No on Direct Action Bill

March 5, 2019 SB 102 passed the Senate Judicial Proceedings Committee on March 1 along party lines. The problematic bill would allow third-party claimants to sue insurers directly when they allege fault by... Read more

Oregon: Credit-Based Insurance Score Bill

March 4, 2019 SB 487 is being considered by the Senate Committee on Business and General Government. The bill could be scheduled for a committee work session and voted on soon. Consequently, NAMIC needs... Read more

ACTION ALERT | Minnesota Family Exclusion in Boat, Umbrella Insurance

February 27, 2019 HF 476 on Feb. 28 will be debated and voted on by the full House. The bill eliminates the family exclusion in boat and umbrella insurance policies... Read more

ACTION ALERT | Oregon Credit-Based Insurance Score Bill

February 27, 2019 SB 487, which was originally scheduled for public hearing in the Senate Committee on Business and General Government, was reassigned on Feb. 26 to the Senate Committee on Judiciary. No hearing date has been scheduled yet, but NAMIC expects... Read more

SB 1117 passed the Senate on Feb. 4 after dispensing with the third reading by a vote of 25-15.

February 6, 2019 The measure seeks to create a bad faith cause of action for UM/UIM coverage. It will now move to the House, where it has been assigned to the Commerce and Labor Committee... Read more

ACTION ALERT | Virginia Bad Faith Bill

January 31, 2019 An aggressive attempt to expand bad faith in Virginia has unexpectedly garnered last-minute support and has just reported out of the Senate Commerce and Labor Committee. The measure seeks to create a bad faith cause of action for UM/UIM coverage... Read more

ACTION ALERT | Virginia Distracted Driving Legislation

January 30, 2019 The National Highway Traffic Safety Administration recently reported that 3,166 people were killed in crashes involving a distracted driver in 2017... Read more

ACTION ALERT | New Jersey Bad Faith Bill

January 8, 2019 The New Jersey Assembly Financial Institutions and Insurance Committee may vote as early as the morning of Jan. 17 on Assembly Bill 4293, the New Jersey Insurance Fair Conduct Act,... Read more

Virginia Legislative Action Day

January 3, 2019 NAMIC is proud to once again be co-hosting Virginia Legislative Action Day on Jan. 30-31 in Richmond... Read more

Pass the DRRA to Protect Communities Before the Next Disaster

September 25, 2018 As communities in the Southeast continue to recover from Hurricane Florence, it is more critical than ever to fix the broken disaster system that has left the nation’s communities vulnerable to recent storms. And thanks to NAMIC members' years of... Read more

RSVP to NAMIC’s Membership Meeting, Lunch

September 20, 2018 NAMIC will host a membership meeting and lunch in Little Rock on Thursday, Oct. 25. The discussion will focus on the upcoming legislative session in Arkansas and how NAMIC can continue to play a role in shaping public policy on key matters. Read more

Be Heard by HUD: Please Submit Comments on the Disparate Impact Rule

August 7, 2018 The U.S. Department of Housing and Urban Development promulgated a rule in 2013 on disparate impact that would open the door to a wave of litigation by establishing a right of action against homeowners insurance companies if any... Read more

Protect the U.S. Insurance Industry from Harmful International Regulation

July 9, 2018 Operating under a state-based system of regulation, the U.S. insurance market has long been the largest in the world. In fact, more than half of the world’s 50 largest insurance markets are U.S. states. Yet often times, instead of defending and... Read more

Rhode Island: House Vote on Auto Parts and Repairs (H.8013)

June 18, 2018 The Rhode Island House of Representatives is scheduled to vote on House Bill 8013 Sub A dealing with motor vehicle replacement parts and repairs on the evening of June... Read more

Ask Your State Senator to Vote NO on SB 2144

May 30, 2018 The New Jersey Senate is scheduled to vote June 7 on Senate Bill 2144, the New Jersey Insurance Fair Conduct Act, which would: Establish a cause of action for “unnecessary delay or unreasonable denial for payment of claims under an insurance policy.” Read more

Vermont: Contact Governor Scott's Office to Request Veto of S.197

May 18, 2018 The Legislature sent S. 197 to the governor's desk that, if signed, will be the most expansive medical monitoring law in the country. It creates new legal rights for broadly defined exposure-only claimants who do not currently present physical ... Read more

ACTION ALERT | Missouri Venue Reform

May 15, 2018 The Missouri General Assembly finishes work at 6 p.m. on May 18 with several tort reform bills pending, including HB 1578, which reforms Missouri's trial-bar-friendly venue rules. It is important that you contact your state senator, preferably by ... Read more

ACTION ALERT: Minnesota Distracted Driving

May 7, 2018 NAMIC has been working alongside its state trade advocacy partner, the Insurance Federation of Minnesota, in the fight to reduce distracted driving in Minnesota... Read more

Texas: Provide Comments on Filings Made Easy Rule

April 20, 2018 The Texas Department of Insurance has prepared an informal working draft to update the Filings Made Easy rule. These updates reflect changes in state law, improve clarity, and eliminate manual rule... Read more

Florida: Provide Feedback to FLOIR on Data Elements of Catastrophe Reporting Form

April 18, 2018 The Office of Insurance Regulation reviews each year the data elements of the Catastrophe Reporting Form reporting template used by insurers to report catastrophe claims. The goal is to streamline those reports, modify them as appropriate, and... Read more

Protect Our State-Based System of Insurance

March 20, 2018 As you have been hearing about for several years now, the state-based system of insurance regulation in the U.S. is under threat from the importation of new, foreign regulatory standards. Activities at international standard-setting bodies such as ... Read more

New York: Register for Legislative Action Day, Legislative Reception

March 5, 2018 NAMIC is proud to once again be co-hosting the Legislative Action Day and Legislative Reception events in Albany. The Legislative Action Day is being held on Tuesday, May 1 at the Renaissance Albany... Read more

Virginia: Ask Your State Senator To Vote Against Overturn on Spoliation Standards Precedent

March 5, 2018 The Virginia Senate Courts of Justice Committee recently passed the substitute version of House Bill No. 1336 that affects Virginia law regarding spoliation of evidence. NAMIC needs your help before... Read more

Virginia: Ask Your State Senator To Vote Against Overturn on Spoliation Standards Precedent

March 2, 2018 The Virginia Senate Courts of Justice Committee recently passed the substitute version of House Bill No. 1336 that affect Virginia law regarding spoliation of evidence. NAMIC needs your help before an... Read more

Kentucky: Contact Your State Senator Asking for 'Yes' Vote on PIP Reform Bill

February 20, 2018 The Kentucky Senate Banking and Insurance Committee approved on Feb. 2 a personal injury protection reform bill sponsored by Republican Sen. Rick Girdler. SB 121 aims to provide PIP benefits in an... Read more

Indiana: Contact the Senate Civil Law Committee Asking for 'Yes' Vote on Asbestos Litigation Bill

February 15, 2018 The Indiana Senate Civil Law Committee is expected to vote Feb. 19 on HB 1061, an asbestos litigation bill that specifies causes of action that may constitute a product liability action. The bill was... Read more

Tell Your Senator: Don't Pass Another Disaster Aid Bill Without Taxpayer Reforms

February 7, 2018 In the face of a rising number of severe natural catastrophes, NAMIC set out seven years ago to drastically reform the way Washington prepares for and responds to disasters. And thanks to your years of... Read more

Indiana: Ask Your Representative to Vote Yes on Asbestos Litigation

January 30, 2018 The Indiana House Judiciary Committee on Jan. 29 approved HB 1061, an asbestos litigation bill that specifies causes of action that may constitute a product liability action. The bill now moves to the... Read more

Nebraska: Ask Legislators to Oppose the Repeal of the Helmet Law

January 10, 2018 Nebraska LB 368 would repeal the state's motorcycle helmet law. It will be debated Jan. 10, but proponents of the bill are seeking to shut off debate by... Read more

Virginia: RSVP for Legislative Action Day

January 9, 2018 NAMIC is proud to once again be hosting Legislative Action Day on Feb. 1 in Richmond. This event is the perfect opportunity for you to gain insight on important issues and maximize your company’s voice with... Read more

Ask Your Representative to CO-SPONSOR legislation to reform the Federal Insurance Office

November 29, 2017 In response to the financial crisis, Congress passed the Dodd-Frank Wall Street Reform and Consumer Protection Act. This massive regulatory reform effort included the creation of the... Read more

Michigan: Contact House Insurance Committee Members to Ask for ‘YES’ Vote on No-Fault Reform Legislation

October 25, 2017 NAMIC has received word that the Michigan House Insurance Committee will meet tomorrow to vote on major no-fault reform... Read more

Texas: NAMIC's All-Industry Quarterly Meeting Scheduled

September 21, 2017 To build on the momentum created to pass HB 1774 last session, NAMIC will be sponsoring all-industry meetings on a quarterly basis to discuss current legislative and regulatory issues moving forward as well as... Read more

Georgia, Florida: Cat Claims Phone Numbers Needed

September 10, 2017 The Georgia Department of Insurance and the Florida Office of Insurance Regulation have requested cat claims phone numbers for posting on their websites... Read more

Provide Feedback on Proposed Workers' Compensation Rules

September 7, 2017 As a follow up to an Aug. 28 hearing in Tennessee, NAMIC will be issuing comments on proposed workers' compensation rules including... Read more

Louisiana Insurance Department's Proposed Regulations on Investigation of Discrimination Complaints

August 23, 2017 The Louisiana Department of Insurance has proposed a regulation pertaining to the investigation of discrimination complaints. Previously, NAMIC provided written comments on... Read more

NAIC Panel Seeking Insurer Responses on Post-Disaster Recovery Practices

July 13, 2017 The NAIC's Consumer Outreach and Assistance Post-Disaster Subgroup is seeking responses from insurers to a number of questions involving post-disaster recovery practices and has asked... Read more

Connecticut: Legislature May Include Crumbling Foundations in Budget

July 5, 2017 It now appears that the crumbling foundation issue – though not necessarily this exact language – will be included in budget discussions later this month... Read more

North Carolina: Industrial Commission Proposes Changes to Medical Treatment Fee Reimbursement for Workers’ Compensation Claims

June 21, 2017 The North Carolina Industrial Commission has provided notice regarding proposed changes to the Industrial Commission’s rule... Read more

North Carolina 'Storm Scammer' Legislation

June 19, 2017 NAMIC has supported state advocacy partner the Insurance Federation of North Carolina in efforts to pass "storm scammer" legislation for several years... Read more

Illinois: Tell Your State Senator to Stop Playing Politics With Workers’ Compensation

May 25, 2017 The Illinois Senate is expected to vote today on workers’ compensation legislation. Statehouse observers believe that the bills are more a tactic in the ongoing budget dispute between the governor and... Read more

Rhode Island: Feedback Requested on Proposed Rulemaking to Amend Auto Body Labor Rate Survey

May 16, 2017 The Rhode Island Department of Business Regulation has published a Notice of Proposed Rulemaking indicating its intent to amend the... Read more

Kansas: Department Proposes Rule for Self-Employment Affidavits in Workers' Compensation Insurance

May 15, 2017 The Kansas Insurance Department has proposed a regulation to require insurers to accept all executed affidavits of self-employment exempt status unless the department has found: The affidavit to be... Read more

Missouri: Contact Your State Senator Asking His/Her Vote to End Filibuster of Venue Shopping Reform

May 12, 2017 Today is the last day of session in Missouri and the trial bars allies in the Senate are filibustering SB 460, which would... Read more

Louisiana: Feedback Requested on Proposed Regulation Pertaining to Discrimination

May 10, 2017 NAMIC would like member input on the proposed Regulation 108 from the Louisiana Department of Insurance. Please provide your feedback to... Read more

Missouri: Urge Your State Senator to Support HB 339&714 - Bad Faith Trap Reform

April 5, 2017 The Missouri Senate General Laws Committee just reported HB 339&714 "Do-Pass." The bill is on the calendar for debate. The bill will: Help restore fairness to claims litigation in... Read more

New York Legislative Action Day

April 4, 2017 NAMIC is proud to once again co-host the Legislative Action Day in Albany on April 25. A reception will be held April 24. Events include... Read more

Delaware: Contact House Committee Members to Oppose Legislation Limiting Underwriting Factors

March 30, 2017 At the behest of Delaware Insurance Commissioner Trinidad Navarro, Delegate Trey Paradee has introduced HB 80. The measure seeks to limit underwriting factors to a set list for... Read more

Florida: Prejudgment Interest Bill in Senate Rules Committee

March 28, 2017 CS/SB 334 would change current Florida law and award prejudgment (as opposed to post-judgment) interest to the prevailing party in a lawsuit. The bill has the potential to affect every claim filed in Florida, requiring Florida... Read more

Florida: Contact Members of the Senate Appropriations Committee Asking 'NO' Vote on SB 378

March 27, 2017 The Senate Appropriations Committee could debate soon the repeal of the insurance industry’s decades-old premium tax credit for employing Floridians... Read more

Florida: Contact Members of Senate Committee to Remove Language From Bill That Would Weaken the State's Building Codes

March 24, 2017 Florida CS/SB 860 was amended by Senate Community Affairs on March 14 with language from SB 7000 that would weaken the Florida Building Code by making the Florida code the "base" code in the... Read more

Delaware: Contact Members of House Committee Asking That They Oppose Underwriting Ban Bill

March 20, 2017 At the behest of Delaware Insurance Commissioner Trinidad Navarro, Rep. Trey Paradee has introduced HB 80. The measure seeks to limit underwriting factors to a set list for determining rates and... Read more

Florida: Contact Members of the Senate Appropriations Subcommittee on Finance and Tax to ask That They Vote 'NO' on SB 378

March 17, 2017 The Senate Appropriations Subcommittee on Finance and Tax will debate on March 21 at 9 a.m. repealing the insurance industry's decades-old premium tax credit for... Read more

Florida: Contact Members of State Senate Appropriations Subcommittee on General Government Asking for 'NO' Vote on Building Code Legislation

March 13, 2017 Florida SB 7000, which would adversely and dramatically change the state's building code... Read more

Florida Proposed Adverse Changes to Building Code Updates

March 13, 2017 Florida SB 7000, which would adversely and dramatically change the state's building code process, is scheduled for a... Read more

Iowa: Contact State House of Representatives Asking for Support of Asbestos Litigation Transparency Legislation

March 13, 2017 Early this week the Iowa House of Representatives will debate SF 376, a bill to provide transparency in... Read more

North Carolina Bill to Require Insurers to "Protect Lienholders" Scheduled for Hearing

March 10, 2017 Legislation to 'protect lienholders' by requiring auto insurers to include lienholders on claims payments and mail such claims payments to the lienholders, HB 104, will... Read more

Florida: Prejudgment Interest Bill in Senate Rules Committee

March 8, 2017 CS/SB 334 would change current Florida law and award prejudgment, as opposed to post-judgment, interest to the prevailing party in a lawsuit. The bill has the... Read more

California Department of Insurance Omnibus Bill

March 6, 2017 The California Department of Insurance's Insurance Omnibus bill, AB 1696 has been introduced and... Read more

New York: Legislative Action Day, Reception

February 22, 2017 NAMIC is proud to once again be co-hosting the Legislative Action Day in Albany being held on Tuesday, April 25 at the Hilton Albany located at... Read more

Florida: Oppose HB 469, Regarding Prejudgment Interest

February 21, 2017 HB 469 would change current Florida law and award prejudgment (as opposed to post-judgment) interest to the prevailing party in a... Read more

Nevada: NAMIC Conference Call on rating Rules Bulletin

February 20, 2017 The Department of Business and Industry, Division of Insurance issued a bulletin stating that any mathematical model used in underwriting or... Read more

Florida: Contact Senate Judiciary Committee Members to Register Opposition to SB 334

February 20, 2017 The Florida Senate Judiciary Committee will take up SB 334 Feb. 21, at 3:30 p.m. NAMIC will be there to meet with committee members and testify against... Read more

Florida: OIR Catastrophe Reporting Form

February 17, 2017 Please provide comments on the Florida Office of Insurance Regulation Catastrophe Reporting Form data collection system to OIR and NAMIC by noon on... Read more

California Legislative Action Day

February 14, 2017 NAMIC is proud to once again be co-hosting a Legislative Action Day in Sacramento on March 22 from 10 a.m. - 1:30 p.m. PST for members of the insurance industry to hear from elected officials and public policy experts about... Read more

Minnesota: Register for Insurance Day

February 10, 2017 Minnesota Insurance Day is March 6 at the St. Paul RiverCentre. Register here for this free event. Former Gov. Tim Pawlenty is the lunch speaker. Among the day's activities are... Read more

Nevada: Feedback Requested on Child Support Enforcement Insurance Claims Notification, Lien Bill

February 7, 2017 The Nevada State Legislature has introduced SB 34, Child Support Registry, and has assigned the bill to the Senate Judiciary Committee for a public hearing. Senate Bill 34 states... Read more

Oregon: Feedback Requested on Workers Comp Medical Billing, Payments Proposed Regulation

February 6, 2017 The Department of Consumer and Business Services, Workers' Compensation Division has scheduled a rulemaking public hearing for Feb. 16 on Workers' Compensation Medical Billing and Payments Proposed Regulation. The proposed... Read more

Oregon: Feedback Requested on Bill That Arguably Impacts Insurer Trade Secrets, Confidentiality Protections

February 6, 2017 SB 451, Sunset of certain exemptions from disclosure for public records, has been introduced and could soon be set for a public hearing. The proposed legislation states that it merely requires the Legislative Assembly to review... Read more

Colorado: Feedback Requested on Medical Billing Legislation

February 3, 2017 SB 4, Access to Providers for Medicaid Recipients, which may have legal and economic implications for property/casualty insurers, has been scheduled for a public hearing on Feb. 9. Pursuant to current law, recipients of medical... Read more

Virginia: UPDATE -- Contact Your State Senator on Property TNC Legislation

February 2, 2017 The Senate Transportation Committee met Feb. 1 and moved forward with Sen. Stephen Newman's bill, SB 1364, on behalf of the Department of Motor Vehicles. While there are some insurance provisions included in the bill, some very... Read more

Virginia: Contact Your State Senator on Property TNC Legislation

February 1, 2017 The Senate Transportation Committee met Feb. 1 and moved forward with Sen. Stephen Newman's bill, SB1364, on behalf of the Department of Motor Vehicles. While there are some insurance provisions included in the bill, some very... Read more

Virginia: Contact House Subcommittee on Property TNC

February 1, 2017 Your help is needed on pending Virginia legislation to regulate property distribution via transportation network companies. You may have received a similar alert Jan. 31 on the Senate version of the bill, but efforts are also needed in... Read more

Wyoming: Feedback Requested on Proposed Change to Aftermarket Parts Regulation

February 1, 2017 The Wyoming Department of Insurance has proposed changes to Chapter 19 of the Regulations on Aftermarket Parts. Although the proposed amended regulation has been tendered as a purported "clean-up" regulation, NAMIC is concerned about... Read more

Virginia: Contact Senate Committee on Property TNC Legislation

January 31, 2017 The Senate Transportation subcommittee on property carriers met Jan. 30 and moved forward with Sen. Stephen Newman's bill, SB 1364, on behalf of the... Read more

Oregon: Committee Hearings on Business Tax Bills

January 31, 2017 More business tax bills have been scheduled for public hearings in the Senate Committee on Finance and Revenue. The following bills are scheduled for... Read more

Oregon: Feedback Requested on Workers' Comp Medical Billing and Payments Proposed Regulation

January 31, 2017 The Department of Consumer and Business Services, Workers’ Compensation Division has scheduled a rulemaking public hearing for... Read more

Oregon: Tax Bills Scheduled for Hearing

January 30, 2017 The 2017 legislative session has started off with a public hearing on a number of tax bills that could adversely impact tax obligations imposed on insurers and... Read more

Nevada: DOI Issues Underwriting as Rating Information Bulletin

January 30, 2017 The Department of Business and Industry, Division of Insurance has issued a bulletin to remind insurers that any... Read more

California: Register Now for Legislative Action Day

January 24, 2017 NAMIC is proud to once again be co-hosting the Legislative Action Day in Sacramento. The event will be held March 22 from 10 a.m. - 1:30 p.m. PST for members of the insurance industry to hear from elected officials and public... Read more

Oregon: Follow-Up Feedback Requested on Draft Bulletin on Clarifying Coverage for Marijuana Items, Activities

January 20, 2017 The Department of Consumer and Business Services, Division of Financial Regulations has requested insurer feedback on it... Read more

Washington: Provide Feedback on Construction Liability Bill

January 18, 2017 HB 1131, has been introduced and assigned to the House Judiciary Committee for public hearing. The proposed legislation states that it is intended to... Read more

Oregon: Feedback Requested on Additional Business Tax Bills

January 18, 2017 In addition to the 12 business tax bills addressed in the Jan. 17 Oregon Business Tax Action Alert, three more tax bills are provided for... Read more

Feedback Requested on Oregon Corporate and Business Tax Bills

January 17, 2017 If you thought that corporate and business tax issues had been resolved after the state public teacher’s union Ballot Initiative Measure 97, the... Read more

Save the Date – Legislative Action Day

January 17, 2017 NAMIC is proud to once again be co-hosting Legislative Action Day in Sacramento on <strong>March 22, 2017, from 10 a.m. - 1:30 p.m. PST</strong> for members of the insurance industry to hear from... Read more

Register to Participate in Member Call on Florida Legislative Session

January 16, 2017 Florida&rsquo;s legislative session is always busy, but 2017 looks to be especially crucial on the property/casualty insurance front. The General Assembly convenes March 7, but committee meetings are already... Read more

Virginia: 'Storm Scammers' Reform Up in Committee

January 13, 2017 NAMIC and VAMIC, our Virginia state trade partner, have drafted and secured introduction of HB 1422 and SB 839. The companion bills amend the Consumer Protection Act to prohibit "rebating" and allow consumers to rescind contracts when... Read more

Oregon Coverage for Marijuana Items, Activities

January 13, 2017 The Department of Consumer and Business Services, Division of Financial Regulations has requested insurer feedback on its draft bulletin Clarifying Coverage for Marijuana Items and Activities. The bulletin is intended to... Read more

New York: Department of Financial Services Publishes Updated Cybersecurity Proposed Regulation

January 5, 2017 The New York Department of Financial Services announced Dec. 26 its updated cybersecurity proposed regulation. It is described in the New York State Register as well as in... Read more

Virginia Legislative Action Day

January 3, 2017 The seventh annual Virginia Legislative Action Day co-hosted by NAMIC will take place Jan. 23-24 in Richmond. The program provides an excellent opportunity to... Read more

Utah: RSVP to All-Industry Meeting in Salt Lake City

December 16, 2016 NAMIC will host an all-industry meeting and lunch in Salt Lake City on Jan. 12. We will be discussing the upcoming legislative session. The meeting and lunch are... Read more

Colorado: Legislation to Protect Vulnerable Adults From Financial Exploitation

December 14, 2016 The Department of Regulatory Agencies has disseminated a draft of proposed legislation for the 2017 legislative session to protect... Read more

Ask Your Member of Congress to Vote YES on HR 5143

December 6, 2016 As we have been discussing, the current debate around the future of regulation in the United States has not been taking place in the states where we are regulated nor in Washington where our federal government resides, but rather... Read more

Tennessee: Contact the Tennessee Department of Insurance on Wildfire Emergency Response

November 29, 2016 NAMIC spoke with the Tennessee Department of Insurance Tuesday afternoon regarding the wildfires ravaging Gatlinburg, Tenn. The TDOI asks any carriers with &ldquo;boots on the ground&rdquo; in terms of emergency response teams to... Read more

Feedback Requested on WISHA Roofing Construction, Inspections Regulation

November 28, 2016 It has been brought to NAMIC's attention that the Washington Industrial Safety and Health Act of 1973 Regulation on Fall Protection Requirements for Construction may be creating unreasonable and unnecessary administrative... Read more

Ask Your Member of Congress to Support the National Mitigation Investment Act

November 16, 2016 With the elections behind us, Congress has returned to Capitol Hill for a few short weeks to consider a handful of legislative items, the most pressing being a bill to keep the government's lights on through December. But with... Read more

NAIC Action Against European Reinsurers Contemplated

November 3, 2016 Problems between the U.S. and the European Union related to insurance regulatory differences have put (re)insurance companies attempting to do business in EU countries at a significant disadvantage in... Read more

Hawaii: Feedback Requested on Workers&rsquo; Compensation Proposed Regulation on Treatment Plans

October 21, 2016 The Hawaii Department of Labor and Industrial Relations has disseminated a Notice of Proposed Rulemaking to implement workers' compensation legislation HB 2017, CD 1, which authorizes delivery of a workers' compensation... Read more

South Carolina: Register for the SCDOI Legislative Conference

October 21, 2016 The South Carolina Department of Insurance will hold its annual legislative conference Nov. 9 from 9:30 a.m. until noon at the SCDOI office in Columbia located at 1201 Main Street, Room 340, across from the... Read more

South Carolina: Free NFIP Webinar for Agents Oct. 21

October 20, 2016 The South Carolina Department of Insurance has forwarded information regarding a free National Flood Insurance Program webinar provided by the Federal Emergency Management Agency on Oct. 21 at 10 a.m. This is an... Read more

Nevada: Feedback Requested on NDOI Information Request on Insurer Underwriting and Rating Practices; Drone Insurance

October 18, 2016 The Nevada Division of Insurance has disseminated a list of information requests relating to discussion items addressed during the Sept. 14 Insurance Industry P & C Advisory Committee meeting with... Read more

Idaho: Feedback Requested on Consumer Privacy Rulemaking

October 10, 2016 The Idaho Department of Insurance has disseminated a Notice of Proposed Rulemaking on 18.01.48 -- Rule to Implement the Privacy of Consumer Financial Information. The IDOI has set the rulemaking hearing for... Read more

Activating NAMIC Disaster Resource Center

October 6, 2016 As we prepare for Hurricane Matthew, NAMIC staff is in the process of updating our Disaster Resource Center. As insurance departments issue directives and/or bulletins related to Hurricane Matthew, we will... Read more

California: Feedback Requested on Proposed Regulation on Auto Body Repair Labor Rate Surveys

September 30, 2016 The California Department of Insurance has posted a 15-Day Notice of Proposed Rulemaking on CDI Regulation File: REG-2012-00002, Proposed Regulation on... Read more

California: Feedback Requested on Proposed Regulation on Anti-Steering in Auto Body Repairs

September 30, 2016 The California Department of Insurance has posted a 15-Day Notice of Proposed Rulemaking on CDI Regulation File: REG-2015-00015, Proposed Regulation on Anti-Steering in... Read more

Oregon DCBS Disclosure of Consumer Complaints

September 22, 2016 The Department of Consumer and Business Services, Division of Financial Regulations has disseminated a proposed regulation to effectuate the 2016 legislation, SB 1591, authorizing disclosure of insurance consumer complaints regarding... Read more

Washington Child Support Statewide Debt Registry

September 20, 2016 The Department of Social and Health Services, Division of Child Support has invited insurers to attend a discussion of its draft bill regarding the creation of a child support debt registry. The meeting is... Read more

Colorado DOI's Proposed Market Conduct, Financial Exam Legislation

September 20, 2016 The Colorado Division of Insurance has disseminated a draft of its proposed 2017 Market Conduct and Financial Exam legislation. The DOI has requested feedback from insurers in advance of the... Read more

California Workers’ Comp Rating Rules Filing

September 14, 2016 The California Department of Insurance has posted a Notice of Proposed Rulemaking on Proposed Revisions to the Insurance Commissioner's Regulations Pertaining to Workers' Compensation Classification of... Read more

Washington Proposed UIM Rejection Form Regulation

September 13, 2016 The Washington Office of the Insurance Commissioner has scheduled a rulemaking hearing for Sept. 28 at 1 p.m. PDT on its proposed regulation R 2016-18 pertaining to ensuring that consumers are informed of... Read more

Washington Proposed e-Payment Regulation

September 12, 2016 The Washington Office of the Insurance Commissioner has scheduled a rulemaking hearing for Sept. 27 at 10 a.m. PDT on its proposed regulation R 2016-12 pertaining to allowing insurers to use e-payments in their... Read more

Kansas State Trade Meeting, Missouri Director&rsquo;s Summit

September 8, 2016 The Kansas Association of Property and Casualty Insurance Companies will hold its annual meeting Oct. 14 in suburban Kansas City. Non-members of KAPCIC are invited to register. Coincidentally, the Missouri... Read more

California Workers’ Comp Claims Cost Benchmark, Advisory Pure Premium Rates

September 6, 2016 The California Department of Insurance has posted a notice of Proposed Action and Notice of Public Hearing for the Jan. 1, 2017, Workers' Compensation Claims Cost Benchmark and Advisory... Read more

North Carolina Department of Revenue Seeks Feedback on Sales and Use Tax Law Changes

August 31, 2016 The North Carolina Department of Revenue is hosting a stakeholder meeting to discuss the recent changes to the sales and use tax laws that passed in the 2016 budget bill, HB 1030. The sales tax changes start... Read more

Texas Membership Meeting Scheduled

August 31, 2016 NAMIC will be hosting a meeting for its membership to discuss the upcoming 2017 legislative session. Representatives from Texans for Lawsuit Reform have been invited to provide an update on their efforts on... Read more

Action Alert: Ask Your Member of Congress to Support the Transparent Insurance Standards Act of 2016

August 30, 2016 During the next few months, U.S. and foreign officials could decide on new international capital and regulatory standards for insurance that could weaken... Read more

Texas: Hail Litigation Update Meeting Scheduled

July 18, 2016 Texans for Lawsuit Reform will be updating insurers on the hail litigation legislation reform effort on Sept. 1 in... Read more

California: Feedback Requested on Proposed Workers’ Comp Insurance Rating Rules Filing

July 18, 2016 The California Department of Insurance has posted a Notice of Proposed Rulemaking on Proposed Revisions to the Insurance Commissioner’s Regulations Pertaining to... Read more

District of Columbia: Contact City Council to Oppose B21-4 on Comparative Negligence

July 11, 2016 The District of Columbia City Council, having considered B21-4, now seems poised to take an affirmative vote on... Read more

Washington: Feedback Requested on Proposed Acknowledgment for Motorists Rejecting Underinsured Motor Vehicle Coverage

July 6, 2016 The Office of the Insurance Commissioner has disseminated proposed amendments to the Revised Code on written rejection of underinsured motorist coverage. According to the OIC, the regulatory proposal will... Read more

Washington: Feedback Requested on OIC’s Proposed Regulation on Re-Rating of CBIS

June 27, 2016 The Office of the Insurance Commissioner has scheduled a rulemaking hearing for July 26 at 9 a.m. on Proposed R 2015-15 which proposes adding... Read more

IAIS Mutual Insurer Application Paper

June 22, 2016 After years of NAMIC efforts to raise the unique position of mutual companies with international standard-setting authorities, the International Association of Insurance Supervisors has finally exposed for... Read more

District of Columbia: Contact City Council to Oppose B 21-4 on Comparative Negligence

June 15, 2016 The District of Columbia City Council, having considered B21-4, now seems poised to take an affirmative vote on the measure. The bill would shift the contributory negligence standard currently in place in the District to... Read more

Washington: FEEDBACK REQUESTED on OIC Proposed E-payment of Claims

June 15, 2016 The Office of the Insurance Commissioner has disseminated a proposed amendment to WAC 284-30-330(16) allowing insurers to establish procedures to permit electronic forms of claims payments in addition to... Read more

Washington: FEEDBACK REQUESTED on OIC’s “Second Draft” of Proposed CBIS Rule

May 31, 2016 The Office of the Insurance Commissioner has disseminated a second draft of R 2015-15, which proposes adding a new section to Chapter 284-24 WAC requiring each insurer that uses credit history for rating... Read more

Washington: FEEDBACK REQUESTED on Emergency Powers Regulation

May 18, 2016 The Washington Office of the Insurance Commissioner has disseminated a draft of a proposed regulation pertaining to the commissioner's regulatory powers when an emergency is... Read more

Oregon: FEEDBACK REQUESTED on Unitary Insurance Affiliates Taxation

May 18, 2016 The Department of Revenue has identified an issue that it proposes to address through legislation next session. Oregon law is unclear about how to avoid double taxation of the... Read more

Oregon: PARTICIPATION REQUESTED on Tax on Sales Conference Call

May 17, 2016 NAMIC, in conjunction with other interested insurance stakeholders, will be participating in a conference call on Monday, May 23 at 10 a.m. PDT/1 p.m. EDT to discuss the campaign to defeat... Read more

Arkansas: Legislative Meeting, Lunch

May 11, 2016 NAMIC will host a membership meeting and lunch in Little Rock on Nov. 3. We will be discussing the upcoming legislative session in Arkansas and how NAMIC can continue to... Read more

Texas: FEEDBACK REQUESTED on Refunds of Unearned Premium

May 5, 2016 The Texas Department of Insurance has proposed an informal working draft of regulations that would require refunds of unearned premium on... Read more

Alabama: ORSA and TNC Bills Need Help to Cross Finish Line

May 2, 2016 Despite efforts on the ground by NAMIC and other industry partners, SB 262, transportation network company national compromise insurance language, and SB 170, the... Read more

Connecticut: Feedback Requested on Proposal for State of Connecticut Crumbling Concrete Assistance Program - Confidential Settlement Discussions

April 29, 2016 Connecticut Insurance Commissioner Katharine Wade has sent a proposal, via the Insurance Association of Connecticut, outlining as confidential settlement discussions... Read more

Washington: FEEDBACK REQUESTED on OIC Proposed CBIS Rule

April 26, 2016 The Office of the Insurance Commissioner has disseminated R 2015-15, which proposes adding a new section to chapter 284-24 of the Washington Administrative Code requiring each insurer that uses credit history for... Read more

Colorado: FEEDBACK REQUESTED on DOI Draft Bulletin on Workers' Compensation Form Filings

April 25, 2016 The Division of Insurance has disseminated a draft bulletin on workers' compensation form filings. The purpose of the bulletin is to provide guidance concerning the filing and certification of... Read more

Connecticut: Attend Insurance Department Meeting on Crumbling Foundations

April 14, 2016 Connecticut Insurance Commissioner Katharine Wade has scheduled a meeting with insurers on Tuesday, April 19 from 9 a.m.-11 a.m. to discuss the subject of crumbling foundations. The meeting will take place at Capital Community College, 950 Main Street, ... Read more

Missouri: Contact House Members to Ask Them to Support Collateral Source/Phantom Medical Damages Reform Bill Without Amendments

April 12, 2016 SB 847 , which reforms Missouri's law on damages, is making excellent progress but now faces a critical test. It is expected to come up for a vote in the House soon, and while the whip count shows there are enough votes to pass it, we need to ensure tha... Read more

California: FEEDBACK REQUESTED – Proposed Regulation on Auto Body Repair Labor Rate Surveys

April 7, 2016 The California Department of Insurance has posted a Notice of Proposed Rulemaking and Public Hearing on CDI Regulation File: REG-2012-00002 , Proposed Regulation on Auto Body Repair Labor Rate Surveys. The CDI will hold a public hearing to provide all i... Read more

California: FEEDBACK REQUESTED – Proposed Regulation on Anti-Steering in Auto Body Repairs

April 6, 2016 The California Department of Insurance has posted a Notice of Proposed Rulemaking and Public Hearing on CDI Regulation File: REG-2015-00015 , Proposed Regulation on Anti-Steering in Auto Body Repairs. The CDI will hold a public hearing to provide all in... Read more

Contact Members of the Missouri House to Ask Them to Support SB 847, Phantom Medical Damages Reform

March 29, 2016 SB 847 reforms Missouri's law on damages by requiring that the actual cost of the care provided to the plaintiff be used to calculate damages and not a highly marked-up bill, which the plaintiff has no obligation to pay, that the trial lawyer uses to ra... Read more

Tennessee: Contact Legislators Asking for “NO” Vote on HB 1161/SB 997

March 21, 2016 Tennessee’s SB 997 allows a litigation financier to attempt to use arbitration or effect a waiver of a consumer’s right to jury trial. While arbitration is typically a favorable process to settle disputes, in this case it would likely be required to tak... Read more

Alabama: Contact Alabama Senate Finance and Taxation General Fund Committee Members Asking for 'NO' Vote on SB 355

March 17, 2016 Alabama SB 355 was introduced March 15 and considered during a public hearing the following morning by the Senate Finance and Taxation General Fund Committee, which is chaired by bill sponsor Sen. Trip Pittman, who represents Alabama citizens living on ... Read more

New York: REGISTER NOW for New York Legislative Action Day

March 11, 2016 NAMIC is proud to once again be co-hosting the Legislative Action Day to be held in Albany on April 12, with a legislative reception on April 11. Events include: Issues Briefing New York’s Political and Legislative Landscape New York’s State Insurance I... Read more

Texas: TDI Seeks Suggestions for Inclusion in Biennial Legislative Report

March 11, 2016 The Texas Department of Insurance held a stakeholder meeting March 10 to discuss the process by which it will seek feedback for the legislative biennial report, slated to be released at the end of 2016. TDI provided these documents to guide the industry... Read more

California: FEEDBACK REQUESTED - Proposed Regulation on Auto Body Repair Labor Rate Surveys

March 7, 2016 The California Department of Insurance has posted a Notice of Proposed Rulemaking and Public hearing on CDI Regulation File: REG-2012-00002 , Proposed Regulation on Auto Body Repair Labor Rate Surveys. The CDI will hold a public hearing to provide all i... Read more

California: FEEDBACK REQUESTED - Proposed Regulation on Anti-Steering in Auto Body Repairs

March 7, 2016 The California Department of Insurance has posted a Notice of Proposed Rulemaking and Public hearing on CDI Regulation File: REG-2015-00015 , Proposed Regulation on Anti-Steering in Auto Body Repairs. The CDI will hold a public hearing to provide all in... Read more

Colorado: Sign up for DOI Stakeholder Meeting on Workers' Compensation Form Filing and Annual Report Filing

March 7, 2016 The Division of Insurance (DOI) will be hosting a stakeholder meeting to discuss ongoing concerns shared by the insurance industry pertaining to Proposed New Regulation 5-3-6 , Concerning Workers' Compensation Form Filing for New and Revised Policy Form... Read more

Contact Alabama Senators to Support SB 170, Own Risk Solvency Assessment and Resist Attempts to Weaken Confidentiality Language

March 3, 2016 As reported in a Feb 23 NAMIC State of the States article , Alabama SB 170, NAIC model Own Risk and Solvency Assessment (ORSA) legislation, is ready for the Senate floor. We understand that it can be taken up at any point with little notice. NAMIC suppo... Read more

California: FINAL REGISTRATION DEADLINE for Legislative Action Day

February 26, 2016 NAMIC is proud to once again be co-hosting Legislative Action Day in Sacramento on March 8 from 9 a.m.-1:30 p.m. PST for members of the insurance industry to hear from elected officials, Insurance Commissioner Dave Jones, and public policy experts about... Read more

Washington: Contact Members of Senate Ways and Means Committee Asking Them to VOTE NO on ESHB 1248, Mandatory Arbitration

February 24, 2016 ESHB 1248 will increase the monetary threshold for mandatory arbitration from $50,000 to $75,000. NAMIC is opposed to proposed the legislation because 1) the expansion of mandatory arbitration is unnecessary; 2) it will adversely impact a litigant’s rig... Read more

Please Contact Members of Arizona House of Representatives to Ask for "Yes" Vote on House Bill 2445

February 23, 2016 HB 2445 , a NAMIC-supported auto insurance underwriting freedom bill, was voted down last week on a 29-29 vote in the Arizona House of Representatives. The House will reconsider the bill Feb. 25. Please contact representatives in the Arizona House to as... Read more

Texas: RSVP to All-Industry-Membership Meeting, Lunch

February 18, 2016 NAMIC will be co-hosting an industry meeting and lunch on March 22. Speakers from Texans for Lawsuit Reform will be the featured presentation to discuss the legislative efforts to address property insurance litigation reform efforts in the next legislat... Read more

Idaho: FEEDBACK REQUESTED on Auto Body Repair Unfair Practices

February 17, 2016 S1313, Auto Insurance , adds a new section to Chapter 13, Title 41, Idaho Code. The proposed legislation, which was introduced by the Commerce and Human Resources Committee, enumerates the following prohibited acts: (1) It is an unfair practice for an i... Read more

Contact Alabama Senate Banking and Insurance Committee Members to Ask They Approve SB 170 and Its Strong Confidentiality Language for ORSA Reports Provided to ALDOI

February 16, 2016 During the 2015 Alabama legislative session, the Senate Banking and Insurance Committee allowed trial lawyers to amend Own Risk and Solvency Assessment legislation with weakened confidentiality language. We must not allow that to happen again, if at all... Read more

Virginia: Email or Phone Members of the House Courts of Justice Civil Subcommittee

February 16, 2016 Please join NAMIC and other pro-business industries in fighting Virginia Senate Bill 111 , a measure that raises the punitive damages cap from $350,000 to $500,000 for any action accruing on or after July 1, 2016. SB 111 has already passed its house of ... Read more

Illinois: Demutualization Bill Call Scheduled

February 15, 2016 Earlier this week we sent an advisory on the recently introduced demutualization bill in Illinois and we stated that there would be an opportunity for NAMIC members to join a conference call and ask questions. The call has been set for Tuesday, Feb. 23 ... Read more

Colorado: FEEDBACK REQUESTED on Proposed DMV Regulation Rule 19, Certificate of Title

February 15, 2016 The Colorado Department of Revenue, Division of Motor Vehicles has disseminated a workshop notice on Proposed Regulation, Rule 1 CCR 204-10 Rule 19 - Bonding for Colorado Certificate of Title. The public workshop will be held on: Date: Monday, March 7, ... Read more

Please Contact Florida Senate Judiciary Members to Urge Their Support of SB 596, AOB Reform Legislation

February 15, 2016 Thanks so much to NAMIC members doing business in Florida who have activated employees and associates to support Assignment of Benefits reform. The Consumer Protection Coalition presented almost 1,000 petitions supporting reform Feb. 10 to the Senate Pr... Read more

Feedback Requested on Connecticut Premium Payment Fee Disclosure Bill

February 12, 2016 A hearing of the Insurance and Real Estate Committee is scheduled for Feb. 18 on a number of bills including Senate Bill 31 , which would require insurers to “disclose to an applicant and each insured any fees for processing of premium payments charged ... Read more

Colorado: FEEDBACK REQUESTED on DOI’s ‘Third Revised’ Proposed Market Conduct Legislation

February 11, 2016 The Colorado Division of Insurance has disseminated a third “revised” draft of its proposed Market Conduct and Financial Exam Legislation. The DOI has requested written feedback from insurers by 5 p.m. MST on Feb. 19. If you would like to review the ent... Read more

Idaho: FEEDBACK REQUESTED on Proposed Premium Tax Legislation

February 10, 2016 SB 1265 , which amends existing law to appropriate one-quarter of the insurance premium tax exceeding $45 million to the Individual High Risk Reinsurance Pool, has been introduced and assigned to the Senate Committee on Commerce and Human Resources for ... Read more

Colorado: FEEDBACK REQUESTED on Child Support Enforcement Insurance Claims Notification, Lien Bill

February 8, 2016 The Colorado Legislature has introduced HB 1165 , which permits the state child support enforcement agency to discover and administratively seize insurance claim payments, awards, and settlements for the purpose of meeting past-due child support obligat... Read more

California: RSVP for Stakeholder Meeting on CDI’s Thermal Coal Divestment, Data Call Regulatory Proposal

February 8, 2016 The California Department of Insurance has sent a letter to insurers requesting that insurance companies voluntarily divest from any investments they may have in thermal coal. The CDI has asked insurers to respond to the department on its divestment req... Read more

Virginia: Call Senate Committee Members Asking for ‘No’ Vote on Bad Faith Measure

February 2, 2016 NAMIC is asking members writing in Virginia to call members of the Senate Committee on Courts of Justice by 10 a.m. Wednesday, Feb. 3 to ask them to vote NO on SB 171. The bill provides that in certain civil causes of action involving insurance contract... Read more

Colorado: Feedback on Proposed Workers’ Comp Regulation Rule 9: Dispute Resolution and Settlements

February 2, 2016 Notice has been given by the Colorado Department of Labor and Employment that a public hearing has been scheduled by the director of the Division of Workers’ Compensation on Proposed Workers’ Compensation Regulation Rule 9: Dispute Resolution and Settle... Read more

Colorado: REGISTER NOW for Legislative Action Day

February 1, 2016 NAMIC is proud to once again be co-sponsoring the Rocky Mountain Insurance Information Association’s P & C Insurance Day at the Colorado state Capitol. The event is scheduled for Thursday, Feb. 25 from 8 a.m.-1 p.m. The P & C Insurance Day includes the ... Read more

Hawaii: FEEDBACK REQUESTED on Governor’s Legislative Package

January 29, 2016 Gov. David Ige’s legislative package has been introduced as SB 2854 and companion bill HB 2325. The Senate bill has been double assigned to the Senate Committee on Commerce, Consumer Protection, and Health and the Senate Ways and Means Committee. The Ho... Read more

California: REGISTER NOW for Legislative Action Day

January 29, 2016 NAMIC is proud to once again be co-hosting the Legislative Action Day in Sacramento. This year’s event will be held on March 8, 2016, from 9 a.m. – 1:30 p.m. PST for members of the insurance industry to hear from elected officials, Insurance Commissione... Read more

California: Feedback Requested on Workers' Compensation Independent Medical Review Bill

January 28, 2016 SB 914 , Workers' compensation: medical provider networks: independent medical reviews, was introduced on Jan. 26. The proposed legislation would change the accepted medical practice guidelines that may be used in workers’ compensation claims. Current l... Read more

Wisconsin: Contact Members of Assembly to Ask Them to Oppose AB 95, Interest Rate on Judgments

January 27, 2016 AB 95 would gut the judgment interest reform legislation that was enacted in 2011. Currently the rate for small claims judgments is the prime rate plus 1 percent, but the Assembly Judiciary Committee, on a 5-4 vote, recently reported to the floor the bi... Read more

Colorado: Feedback Requested on Proposed Workers' Comp Regulation Rule 9: Dispute Resolution and Settlements

January 25, 2016 Notice has been given by the Colorado Department of Labor and Employment that a public hearing has been scheduled by the director of the Division of Workers’ Compensation on Proposed Workers’ Compensation Regulation Rule 9: Dispute Resolution and Settle... Read more

West Virginia: Join the Property/Casualty Insurance Industry for 2016 Insurance Day at the Capitol

January 22, 2016 The West Virginia Insurance Federation and its national partners, along with the Independent Insurance Agents of West Virginia, are hosting the 2016 Insurance Day Feb. 9-10 at the Capitol in Charleston. Click here for a draft agenda Who Should Attend? T... Read more

Florida: Contact Relevant Committees on Assignment of Benefits Reform Bills to Ask for Their Support

January 21, 2016 As NAMIC members doing business in Florida are aware from the Jan. 20 Action Alert , NAMIC has joined the Consumer Protection Coalition and is actively engaged in lobbying for Assignment of Benefits reform in the Sunshine State. Thanks so much to all wh... Read more

California: Save the Date – Legislative Action Day

January 21, 2016 NAMIC is proud to once again be co-hosting Legislative Action Day in Sacramento on March 8 from 10 a.m. – 1:30 p.m. PST for members of the insurance industry to hear from elected officials, Insurance Commissioner Dave Jones, and public policy experts ab... Read more

Florida: Sign Petition Urging Lawmakers to Pass Meaningful Assignment of Benefits Reform

January 20, 2016 NAMIC has joined the Consumer Protection Coalition in Florida to support efforts to end Assignment of Benefits abuse. The coalition was organized by the Florida Chamber of Commerce and includes business leaders, consumer advocates, real estate agents, c... Read more

Florida Senate Committee Takes Up Bill to Establish Safe Harbor Against Bad Faith

January 18, 2016 The Florida Senate Banking and Insurance Committee will take up legislation on Jan. 19 at 4 p.m. to improve the state's legal climate. SB 632 requires written notice to an insurance company as a precedent to filing a bad faith lawsuit, establishing a sa... Read more

California: Feedback Requested on Drones Regulation Bill

January 14, 2016 SB 868, State Remote Piloted Aircraft Act , has been introduced and sent to Rules for committee assignment. The bill has the following liability insurance requirements: 21760. (a) Every commercial operator of a remote piloted aircraft shall procure, and... Read more

Wisconsin: Contact Members of the Assembly Consumer Protection Committee to Ask Them to Oppose Loss of Use for Rental Cars Legislation

January 13, 2016 Thank you to everyone who responded to yesterday's alert on SB 495. Today NAMIC is asking you to take the same action on AB 672, the Assembly's version of the rental car money grab. It is moving through the Capitol as well. AB 672 would allow rental car... Read more

Wisconsin: Contact Members of Senate Committee Asking Them to Oppose Loss of Use for Rental Cars Legislation

January 12, 2016 Legislation to allow rental car companies to recover from insureds' awards that are in excess of the actual damages they have sustained is pending in the Wisconsin Senate Agriculture, Small Business and Tourism Committee. We need you to forward this mes... Read more

Contact Virginia House Commerce & Labor Committee Asking for ‘Yes’ Vote on Mailing Bill

January 6, 2016 NAMIC has been working with the industry for the last several months to develop corrective legislation to a 2015 measure that removed the ability to mail notices via certificate of mailing. The new legislation to correct this problem, HB 31 , has been a... Read more

Register for Virginia Legislative Action Day

January 5, 2016 NAMIC members writing business in Virginia should plan to be in Richmond Jan. 25-26 for the property/casualty insurance industry’s Legislative Action Day. Please take a moment to register now for this important event. The program officially begins Jan. ... Read more

Rhode Island: Provide Feedback on Draft Compromise Bill for 5 Percent Weather Loss Deductible for Commercial Property

December 18, 2015 The Rhode Island independent agents association has been pushing for legislation to place certain limitations on the use of weather-related deductibles for small commercial business. Please review the attached working draft of legislative language that ... Read more

Colorado: Provide Feedback on DOI’s ‘Revised’ Proposed Market Conduct Legislation

December 4, 2015 The Colorado Division of Insurance has disseminated a “revised” draft of its proposed market conduct and financial exam legislation. The DOI has requested written feedback from insurers by 5 p.m. MST on Dec. 17. If you would like to review the entire DO... Read more

Michigan: No-Fault Reform Imminent; Please Contact Your House Member Asking for ‘Yes’ Vote on SB 248

December 1, 2015 Michigan House Republican leadership members have indicated that they intend to push for final passage of no-fault reforms this week. SB 248 passed the Senate and has been languishing on the House floor for months. The key aspects of the measure provide... Read more

Minnesota: Provide Feedback on Bulletin Banning “Price Optimization”

November 17, 2015 The Minnesota Department of Commerce issued on Nov. 16 Bulletin 2015-3 , “Bulletin Regarding Unfair Discrimination in Rating: Price Optimization.” The bulletin has the potential to be highly disruptive to the Minnesota personal lines market. It orders i... Read more

Illinois: Provide Feedback on Illinois’s Proposed Record Retention Rule

November 16, 2015 The Illinois Department of Insurance filed on Nov. 6 a proposed amendment to the state’s overly complicated insurer record retention rule. Initial feedback shows strong support by NAMIC members for the department’s modernization proposal. Some NAMIC mem... Read more

Oregon 2016 Business Tax Ballot Initiative

November 5, 2015 Public employee unions and other groups have proposed a major business tax ballot initiative for 2016. IP 23 and IP 22 would establish a corporate gross receipts tax on corporations with sales (term is very broadly defined) of at least $25 million per y... Read more

Wisconsin: Urge Your Representative to Support Dog Bite Liability Reform

November 2, 2015 The Wisconsin Assembly will debate on Nov. 3 SB 286, the bill to reform the state’s dog bite double damages statute. The bill has been approved by the Senate. Current Wisconsin law states that a person who keeps a dog is generally liable for any damage ... Read more

Utah: RSVP For Jan. 7 All-Industry Meeting in Salt Lake City

October 29, 2015 NAMIC will sponsor a lunch meeting for property and casualty insurers and their lobbyists to discuss strategy for the 2016 legislative session. Bear River Mutual has graciously agreed to host the event. We will be done in time for those companies wishin... Read more

South Carolina Industry Call on Disaster Recovery for the October 2015 Flood

October 13, 2015 South Carolina Insurance Director Ray Farmer will host a call today, Oct. 13 from 3 p.m.- 4 p.m. to update members of the industry on the progress of the state’s hurricane recovery from an insurance perspective. The proposed agenda for the call is: Upda... Read more

California: Feedback on CDI’s Revised Draft on Proposed Amendments to Auto Labor Rate Surveys, Anti-Steering Regulations

October 12, 2015 The California Department of Insurance has disseminated a revised draft on the proposed amendments to the Auto Labor Rate Survey Regulations and Anti-Steering Regulations. According to the CDI, the revised draft regulations are intended address a number... Read more

Colorado: Feedback on DOI Proposed Market Conduct Legislation

September 23, 2015 NAMIC will be attending an insurance industry stakeholder meeting of the Colorado Division of Insurance on Sept. 28 at 3 p.m. MST to discuss the DOI’s proposed market conduct legislation. The DOI met with insurers in February to start the dialogue on th... Read more

Texas: RSVP to NAMIC-Hosted All-Industry Meeting on First-Party Litigation Reform Efforts

September 8, 2015 NAMIC will host an all-industry meeting to discuss the issues surrounding first-party litigation in Texas, along with possible legislative solutions. We are inviting not only representatives from NAMIC member companies, but also representatives from non... Read more

Provide Feedback on Insurance-Linked Securities Annual Statement Disclosure Proposal

September 8, 2015 The NAIC’s Statutory Accounting Principles (E) Working Group has proposed a new annual statement disclosure to collect information regarding the use of insurance-linked securities by insurers and reinsurers, and general information regarding ILS held by... Read more

Provide Feedback on Insurance-Linked Securities Annual Statement Disclosure Proposal

September 3, 2015 The NAIC’s Statutory Accounting Principles (E) Working Group has proposed a new annual statement disclosure to collect information regarding the use of insurance-linked securities by insurers and reinsurers, and general information regarding ILS held by... Read more

Texas: Provide Comments on TDI Proposed Regulation Pertaining to Dollar Amount of Deductible on Homeowners Insurance Declarations Page

September 1, 2015 The Texas Department of Insurance published a notice on Aug. 28 of proposed rulemaking regarding the requirements created by Senate Bill 113 from the 2013 legislative session. You may recall this bill creates a requirement for homeowners insurance compa... Read more

Iowa: Provide Feedback on Iowa’s Proposed Rule to Move Up Deadline for Filing Crop-Hail Rates

August 25, 2015 The Iowa Insurance Division filed on Aug. 19 its notice of intended action to amend the state’s regulation that governs rate filings for crop-hail insurance. If adopted as proposed, filings would be required by Jan. 31 of each calendar year. The current... Read more

Provide Feedback on Missouri’s Proposed Workers’ Comp Rule on Suspension of Lifetime Benefit

August 4, 2015 Missouri’s workers’ compensation code provides that: [L]ife payments to an injured employee made from the fund shall be suspended when the employee is able to obtain suitable gainful employment or be self-employed in view of the nature and severity of t... Read more

Idaho: Provide Feedback on Proposed Workers’ Compensation Memorandum on Benefits Under Deductible Policies and In-State Adjusting Requirements

August 3, 2015 The Idaho Industrial Commission has issued a memorandum on workers’ compensation deductibles. The IIC has extended the deadline for insurer comments to Sept. 1, 2015. NAMIC will be submitting written comments on the adverse administrative impact the mem... Read more

Florida: REMINDER: Provide Data on Problematic Assignment of Benefits Cases

July 30, 2015 Thanks so much to NAMIC members that are supplying anecdotal evidence of problematic and even fraudulent use of Assignment of Benefits in Florida. Legislative efforts to address the situation have been unsuccessful to date. The Florida Justice Reform In... Read more

Utah: Reserve Your Spot for NAMIC Legislative Meeting, Lunch

July 21, 2015 NAMIC will host a membership meeting and lunch in Salt Lake City on Sept. 10. We will be discussing the upcoming legislative session in Utah and how NAMIC can continue to play a role in shaping public policy on key matters. The meeting and lunch are ope... Read more

California: Feedback on Two Workers’ Compensation Proposed Regulations

July 16, 2015 The California Department of Insurance has requested insurance industry feedback on proposed amendments to two workers’ compensation regulations. REG 2014-00014 pertains to workers’ compensation policy forms. Written comments must be submitted to the CD... Read more

Missouri: Governor Vetoes Premium Refund Bill – Feedback Needed

July 13, 2015 Gov. Jay Nixon vetoed HB 1022 on June. 10. Had it been signed, the bill would have added the following to Missouri’s Casualty and Surety Rate Regulatory Law: “Any rate, rating schedule, rating system, or rating plan may return or refund a portion of its... Read more

Florida: Provide Data on Problematic Assignment of Benefits Cases

July 7, 2015 As you are aware, the use of Assignment of Benefits has become increasingly problematic and fraught with fraud in Florida. Legislative efforts to address the situation have been unsuccessful to date. The Florida Justice Reform Institute has identified t... Read more

Ohio: Co-Sign Letter in Opposition to Subrogation Language in Budget Bill

June 22, 2015 The Ohio Insurance Institute coordinated with several organizations last week in registering opposition to the adverse subrogation language that was added to the state budget legislation, HB 64. As you will recall from NAMIC’s action alert from last wee... Read more

Ohio: Contact Your State Legislators Asking Them to Oppose Language in Budget Bill That Would Dramatically Alter Ohio's Subrogation Law

June 17, 2015 NAMIC has learned from the Ohio Insurance Institute that the organization formerly known as the Ohio Academy of Trial Lawyers has succeeded in adding language to the budget bill that will greatly diminish subrogation rights and will essentially leave to... Read more

New York: Contact Legislators to Oppose Private Right of Action/Bad Faith Bill

June 15, 2015 Adverse bad faith legislation to allow policyholders to directly sue insurers and recover extensive damages and fees for alleged unfair claim settlement practices is appearing more likely to be considered soon by the New York Legislature. The bill, S. 4... Read more

Virginia: Feedback Requested on Requirement to Eliminate Certificates of Mailing

June 1, 2015 NAMIC sent a letter on June 1 to Virginia Insurance Commissioner Jacqueline Cunningham asking for deferred enforcement of a new requirement to eliminate certificates of mailing as an approved method for compliance. Virginia’s SB 697 added intelligent ma... Read more

Minnesota: Ask Conference Committee to Remove Harmful Body Shop Language

May 7, 2015 Leadership has appointed members of a conference committee to work on SF 2101 , a bill that addresses multiple issues. A provision in the Senate version of the bill is very troublesome for carriers. It interferes with the consumer’s ability to use innov... Read more

North Carolina: Provide Feedback on Impact of Proposed Auto Insurance Premium Tax

May 4, 2015 Many of you saw the Raleigh News and Observer article May 2 discussing North Carolina HB 927 , which has language in Part VI on pages 13-14 that would increase the premium tax on motor vehicle insurance contracts. The bill is scheduled for discussion on... Read more

South Dakota: Feedback Needed On Workers Compensation Independent Contractor Proposed Regulation

April 29, 2015 The South Dakota Division of Insurance will conduct a hearing May 18 on a proposed regulation to implement HB 1105 , which establishes a process that uses a notarized affidavit to create a rebuttable presumption that a person is an independent contracto... Read more

Michigan: Contact House on No-Fault Reform

April 27, 2015 The Michigan House Insurance Committee has voted favorably on SB 248, advancing auto no-fault reform to the House floor. NAMIC was present at the hearings last week in Lansing in support for the reforms. Language from the Senate that would establish a n... Read more

North Carolina: Contact House Insurance Committee Members to Request ‘NO’ Vote on Property Insurance “Fairness” Act

April 20, 2015 HB 182 , the property insurance “fairness” act, has been scheduled for a hearing April 21 during the House Insurance Committee meeting at 1 p.m. The bill sponsor has rebuffed the industry’s request to eliminate language to allow the insurance commission... Read more

Urge Lawmakers to Help Improve Florida's Insurance and Legal Climates

April 14, 2015 The Senate Judiciary Committee will hear on April 15 two bills - one that would improve Florida's insurance climate and one that would make Florida's legal climate even worse than it already is. Please email these members of the Senate Judiciary Committ... Read more

California: Feedback on CDI’s Proposed Amendments to Auto Labor Rate Surveys & Anti-Steering Regulations

April 1, 2015 The California Department of Insurance has disseminated the text of the proposed amendments to Auto Labor Rate Surveys & Anti-Steering Regulations and Alternative Consideration to Geographic Area under Section 2698.92(k) that will be addressed at the up... Read more

Colorado: Feedback Needed on ‘Draft’ Proposed Regulation on Workers' Compensation Form Filings

March 31, 2015 The Colorado Division of Insurance disseminated on March 30 a “draft” of Proposed Regulation 5-3-6, "Concerning workers' compensation form filings for new and revised policy forms and annual report filings." This regulation is being promulgated to estab... Read more

Nevada: Feedback Requested on Proposed Premium Tax Credit Bill

March 23, 2015 Existing law in Nevada establishes a 3.5 percent tax on the net direct premiums and net direct considerations of an insurer transacting business in the state, NRS 680B.027 and a tax credit of up to 80 percent against this tax for an insurer that meets c... Read more

Contact Relevant Florida House and Senate committee members and urge them to support needed insurer bad faith legislation, HB 1197 and SB 1088

March 20, 2015 The insurance community’s top legal reform priority legislation in Florida, HB 1197 and SB 1088 , both titled “Civil Remedies Against Insurers,” will be heard in subcommittee Mar. 23 and 24. The bills would establish a 45-day safe harbor for third party... Read more

Minnesota: Contact Senate Transportation Committee and Urge 'Yes' Vote on Ride-Sharing Bill

March 19, 2015 The Minnesota Senate Transportation and Public Safety Committee will hear SF 1679 by Sen. Kari Dziedzic, DFL- Minneapolis, at a March 19 meeting. The bill addresses the regulation of transportation network companies, such as Uber and Lyft, with the most... Read more

Minnesota: Contact House Commerce Committee to Urge ‘Yes’ Vote on Ride-Sharing Bill

March 16, 2015 The Minnesota House Commerce and Regulatory Reform Committee on March 17 will hear HF 1783 by Rep. Chris Swedzinski, R- Ghent. The bill is the companion to SF 1679, which was the subject of a NAMIC alert sent March 12. If your employees, agents, or stak... Read more

Provide Comments on NAIC Draft Cybersecurity Regulation Principles, Annual Statement Supplement

March 13, 2015 The National Association of Insurance Commissioners has exposed two draft documents related to cybersecurity for comment with a very short timeframe to allow for consideration at its Spring National Meeting at the end of March. One is a draft of Princip... Read more

Nevada: Provide Feedback on SB 252, Business License Fee

March 13, 2015 Existing law imposes an annual fee of $200 for a state business license that must be paid to the secretary of state (NRS 76.100 and NRS 76.130). This fee is scheduled to change on July 1, 2015, to $100 (Chapter 429, Statutes of Nevada 2009, as last amen... Read more

Minnesota: Contact Senate Commerce Committee to Urge “Yes” Vote on Ride-Sharing Bill

March 12, 2015 The Minnesota Senate Commerce Committee will hear on March 16 SF 1679 by Sen. Kari Dziedzic, DFL- Minneapolis. The bill addresses the regulation of transportation network companies, such as Uber and Lyft, with the most important provision being preventi... Read more

Oregon: Contact Senate Committee on Judiciary Members Asking Them to Oppose First-, Third-Party Bad Faith Bill, Unfair Trade Practices Act

March 11, 2015 A public hearing will be held March 16 at 8:30 a.m. PDT in the Senate Committee on Judiciary for SB 313 and SB 314. NAMIC will be submitting written testimony for the committee hearing to reinforce the public policy messages the association has been con... Read more

Contact Members of South Dakota Senate to Urge Them to Vote Against HB 1103

March 5, 2015 NAMIC requested on March 4 that you contact your employees, agents, and other stakeholders living in South Dakota to ask them to tell their state senators they need to vote against HB 1103. Many of you have responded, and it has been effective. We thank... Read more

South Dakota: Contact Members of the South Dakota Senate to Urge Them to Vote Against HB 1103

March 4, 2015 The South Dakota Senate later this week will debate HB 1103 , which replaces South Dakota's "slight" contributory negligence with comparative fault. The trial bar is trying to muddy the waters by claiming jurors do not know what "slight" means. To make ... Read more

Colorado E-Payment of Premium Tax Due March 1

February 25, 2015 The Colorado Division of Insurance is requiring insurers to make premium tax payments electronically. The e-payment system an insurer has to use is ACH Debit electronic checks, and the first e-payment is due March 1, 2015. Please note that ACH Credit is... Read more

Oregon: Grasstops Advocacy Needed to Oppose Bad Faith/UTPA Bills

February 25, 2015 The state Legislature is considering legislation that could impact everyone in Oregon who buys insurance. We need insurer and agent help now to protect insurance consumers in Oregon. While there are technical legal differences between the bills the impa... Read more

Oregon: Please Provide Feedback on SB 601, Data Security Breach

February 24, 2015 SB 601 , Relating to enforcement of notification requirements for breaches of security involving personal information, has been introduced and assigned to the Senate Committee on Judiciary. A public hearing date has yet to be scheduled. The proposed leg... Read more

Minnesota: Help Combat Auto Insurance Fraud; Ask Subcommittee Members to Vote 'Yes' on Anti-Fraud Legislation.

February 24, 2015 The Minnesota Senate Subcommittee on Insurance Reform on Feb. 25 will hear SF 782 by Sen. Vicki Jensen, DFL- Owatonna. The bill, which is sponsored by the National Insurance Crime Bureau: Allows new administrative enforcement powers against healthcare p... Read more

California: Attend Cal Fire, CDI, and Insurance Industry Webinar on Wildfire Prevention and Preparation

February 23, 2015 On February 25, 2015 , a Wildfire Planning Webinar will be facilitated by CAL Fire, the CDI, and members of the insurance industry. The webinar is scheduled from 9 a.m.- 11 a.m. PST. NAMIC encourages member companies that write insurance in California t... Read more

Rhode Island: Provide Feedback on Proposed Changes to Personal Lines Renewal Notices

February 20, 2015 The Department of Business Regulation has proposed amendments to Regulation 97, Notice of Material Changes upon Renewal of Personal Motor Vehicle, Homeowner and Residential Fire Insurance. The proposed changes implement statutory changes enacted in 2014... Read more

California: Register for Legislative Action Day

February 20, 2015 NAMIC is proud to once again be co-hosting Legislative Action Day in Sacramento on March 17 for members of the insurance industry to hear from elected officials, Insurance Commissioner Dave Jones, and public policy experts about legislative and regulato... Read more

California: Provide Feedback on New Proposed Regulation on Use of Groups in Auto Insurance Rating

February 20, 2015 The California Department of Insurance will conduct its third workshop March 23 on new draft of a proposed regulation regarding the use of groups in automobile insurance rating under Proposition 103. NAMIC has participated in the prior workshops and wil... Read more

Colorado: Provide Concerns, Suggested Improvements on Market Conduct Regulations

February 20, 2015 The Colorado Division of Insurance is hosting an insurance industry stakeholder meeting scheduled for Feb. 27 at 9 a.m. MST to discuss the current market conduct regulations and possible revisions to the statutes, rules, and administrative practices. Th... Read more

California: Register Now for Legislative Action Day, March 17 in Sacramento

February 13, 2015 NAMIC is proud to once again be co-hosting a Legislative Action Day in Sacramento, California on March 17, 2015, for members of the insurance industry to hear from elected officials, Insurance Commissioner Dave Jones, and public policy experts about leg... Read more

Oregon: Contact by Phone or Email Senate Members Asking Them to Oppose PIP, UM/UIM Cover Bill

February 12, 2015 SB 411 passed out of the Senate Committee on Business and Transportation on a 3-2 vote and is now before the Senate for a floor vote. Your assistance is needed to defeat this trial-bar-sponsored attempt to expand coverage of all PIP and UM/UIM policies.... Read more

Kentucky: Contact House Banking and Insurance Asking for “Yes” Vote on TNC Measure

February 10, 2015 House Bill 207 has been introduced and posted in the House Banking and Insurance Committee. NAMIC supports technological innovation, entrepreneurship, and free-market ideologies. The industry does not want to prevent transportation network companies fro... Read more

Colorado: Provide Concerns, Suggested Improvements on Market Conduct Regulations

February 9, 2015 The Colorado Division of Insurance is hosting an insurance industry stakeholder meeting scheduled for Feb. 28 at 9 a.m. MST to discuss the current market conduct regulations and possible revisions to the statutes, rules, and administrative practices. Th... Read more

Kentucky: Contact Legislators to Support Anti-Solicitation Bill

February 6, 2015 HB 153 prohibits the solicitation of a person involved in a motor vehicle accident for 30 days by a healthcare provider. Some areas of Kentucky have become centers for schemes that abuse personal injury protection coverage under auto insurance policies.... Read more

California: Register for Legislative Action Day

February 5, 2015 NAMIC is proud to once again be co-hosting a Legislative Action Day in Sacramento on March 17, 2015 , for members of the insurance industry to hear from elected officials, Insurance Commissioner Dave Jones, and public policy experts about legislative an... Read more

Oregon: Provide Feedback on Proposed Tax Bills

January 28, 2015 A number of proposed tax bills have been pre-filed for the 2015 legislative session. Since the Legislature could move quickly on some of these bills, NAMIC would like member feedback on the bills as soon as possible, but by Feb. 3, so that NAMIC has tim... Read more

Oregon: Provide Feedback on Workers’ Compensation Bills

January 27, 2015 A number of workers’ compensation bills have been pre-filed for the 2015 legislative session. Since the Legislature could move quickly on some of these bills, NAMIC would like member feedback on the bills as soon as possible, but by Feb. 3, so that NAMI... Read more

Oklahoma: Provide Feedback on Proposed Changes to Workers’ Compensation Commission Rules

January 26, 2015 NAMIC would like member input on a series of proposed rule changes to the Oklahoma Workers’ Compensation Commission rules. Please provide your feedback to me no later than the close of business on Feb. 6. Paul Martin State Affairs Director, Southwest Re... Read more

Register for the West Virginia Legislative Action Day

January 23, 2015 NAMIC and the West Virginia Insurance Federation invite you to attend the West Virginia Insurance Day at the Capital in Charleston on Feb. 4. Agenda 11 a.m. – 11:30 a.m. Registration 11:30 a.m. – 11:35 a.m. Welcome, Introductions & Antitrust Admonition ... Read more

Rhode Island: Provide Feedback on Proposed Amendments for Insurance Business Transfer Plans

January 14, 2015 The Department of Business Regulation has proposed amendments that would rename Regulation 68 to Voluntary Restructuring of Solvent Insurers and add provisions governing insurance business transfer plans. The proposal outlines the process for the runnin... Read more

Texas: Provide Feedback on Proposed Environmental Remediation Fee for Vehicle Storage Facilities

January 14, 2015 The Texas Department of Licensing and Regulation proposed in October an “environmental or biological hazard fee” that could be charged by vehicle storage facilities. You can read the proposed text of the regulation here. TDLR is seeking further industry... Read more

Virginia: Register for the Virginia Legislative Action Day

January 7, 2015 NAMIC invites you to attend the 5th Annual Virginia Legislative Action Day January 26-27, 2015 , in Richmond. The program provides an excellent opportunity to: Network with your peers; Meet one-on-one with members of the General Assembly; Receive valuab... Read more

Texas: NAMIC to Host Conference Call to Discuss Proactive Agenda

December 8, 2014 NAMIC will host a conference call on Wednesday, Dec. 17 at 10 a.m. CST to update members on the industry’s proactive legislative agenda. Members are encouraged to participate. Call in number: 800-768-2983 Access code: 8798408# Paul Martin State Affairs ... Read more

Utah: NAMIC Sponsors All Industry Meeting in Salt Lake City, January 6, 2015

December 5, 2014 NAMIC will sponsor a lunch meeting for property and casualty insurers and their lobbyists to discuss strategy for the 2015 legislative session. Bear River Mutual has graciously agreed to host the event. We will be done in time for those companies wishin... Read more

Illinois: Contact Members of Illinois House of Representative to Request They Oppose SB 2221 as Amended

December 2, 2014 The Illinois House of Representatives will soon debate SB 2221 , a bill that was amended Dec. 1 in the House Judiciary Committee to repeal the statute of repose for construction lawsuits for damages related to diseases such as mesothelioma. Under curren... Read more

Massachusetts: Provide Suggestions for Regulatory Reform Under the Baker administration

November 24, 2014 With the new Baker administration set to take control of the Executive branch in January, the industry has an excellent opportunity to identify rules and regulations that are outdated, unnecessary, ineffective, problematic or otherwise counter-productiv... Read more

Connecticut: Provide Feedback on Changes to State’s Insurance Verification System

November 10, 2014 Our state trade partner, the Insurance Association of Connecticut, met with officials from Connecticut’s Department of Motor Vehicles to discuss implementation of changes to the state’s insurance verification system. Connecticut retained the same vendor... Read more

Maryland: MIA Draft Regulation on Valuation of Motor Vehicles

September 26, 2014 The Maryland Insurance Association has drafted a regulation on the valuation of motor vehicles that, among other things, makes encompassing changes to definitions such as “substantially similar vehicle” and cash settlements. NAMIC is currently drafting ... Read more

Texas: Complete First-Party Litigation Survey

September 19, 2014 NAMIC, working with other trade associations, has crafted a uniform survey to be used by all trade associations in determining the top legislative priorities to address the first-party litigation issues. Please respond to this survey by close of busines... Read more

Tell Your Member of Congress to Reauthorize TRIA ASAP!

August 6, 2014 With the Terrorism Risk Insurance Act set to expire at the end of this year, reauthorizing the program has been a top legislative priority for NAMIC during this Congress. Reauthorizing TRIA will ensure that our economy can recover from another large sca... Read more

The Texas Department of Insurance recently issued proposed regulations

July 23, 2014 The Texas Department of Insurance recently issued proposed regulations pertaining to named driver policies. These regulations stem from Senate Bill 1567, which became law last year. Comments are due to TDI by Aug. 25; if you have any comments you would ... Read more

Arkansas: RSVP to NAMIC’s Membership Meeting, Lunch

July 11, 2014 NAMIC will host a membership meeting and lunch in Little Rock on Oct. 1. We will be discussing the upcoming legislative session in Arkansas and how NAMIC can continue to play a role in shaping public policy on key matters. State Sen. Jason Rapert, chair... Read more

Ask your member of Congress to sponsor the Safe Building Code Incentive Act

July 10, 2014 Since 1980, the United States has spent nearly $1 trillion dollars on natural disaster recovery and rebuilding. The Center for American Progress conducted an analysis and found that the federal government—which means taxpayers—spent $136 billion total f... Read more

Arkansas: RSVP to NAMIC’s Membership Meeting, Lunch

July 9, 2014 NAMIC will host a membership meeting and lunch in Little Rock on Oct. 1. We will be discussing the upcoming legislative session in Arkansas and how NAMIC can continue to play a role in shaping public policy on key matters. State Sen. Jason Rapert, chair... Read more

Arizona: RSVP to NAMIC’s Membership Meeting, Dinner

July 9, 2014 NAMIC will host a membership meeting and dinner in Phoenix on Oct. 27. We will be discussing the upcoming legislative session in Arizona and how NAMIC can continue to play a role in shaping public policy on key matters. The meeting is open to any NAMIC ... Read more

Iowa: Provide Comments on Possible Change to Crop Insurance Filing Deadline

July 8, 2014 The Iowa Insurance Division sent a message on July 2 that discussed the possibility of moving the deadline for crop insurance filings from March 15 to a date as early as Jan. 1. The purpose would be to allow producers to be able to contact farmers earli... Read more

Texas: RSVP to NAMIC-Hosted All- Industry Meeting on First-Party Litigation Reform Efforts

July 8, 2014 NAMIC will host an all-industry meeting to discuss the issues surrounding first-party litigation in Texas, along with possible legislative solutions. We are inviting not only representatives from our member companies to attend, but also representatives ... Read more

Mississippi: Named Storm, Hurricane Deductibles

June 30, 2014 The Mississippi Insurance Department on June 27 released its final version of regulation 19 Miss. Admin. Code, Part 1, Chapter 41: Named Storm Deductible and Hurricane Deductible. While the MID did not extend the Oct. 1, 2014, deadline, it did make othe... Read more

Texas: Two Proposed Rules Affecting Workers’ Compensation

June 27, 2014 The Texas Department of Insurance, Division of Workers’ Compensation announced June 26 that it would accept public comment on two proposed rules pertaining to: Assisting Injured Employees Seeking Lifetime Income Benefits Payment By Insurance Carriers An... Read more

Utah: Join NAMIC for a Membership Meeting, Lunch in Salt Lake City

June 24, 2014 NAMIC will host a membership meeting and lunch in Salt Lake City on Sept. 11. We will discuss the upcoming legislative session in Utah and how NAMIC can continue to play a role in shaping public policy on key matters. The meeting and lunch are open to a... Read more

Texas: Provide Comments on Proposed TDI Rule Changes

June 16, 2014 The Texas Department of Insurance is contemplating rule changes on a couple of matters: A proposed rulemaking would adopt the National Council on Compensation Insurance Statistical Plan for Workers Compensation and Employers Liability Insurance and the ... Read more

Provide Comments on NAIC’s Market Regulation & Consumer Affairs Committee Priorities

June 11, 2014 The NAIC’s Market Regulation & Consumer Affairs (D) Committee has issued a request for comment to interested parties regarding priorities for the committee’s work. The committee has circulated a matrix generated from the recent inaugural NAIC Market Reg... Read more

Maine: Provide Feedback on Revised Hurricane Deductible Proposal

June 11, 2014 In response to comments received from NAMIC and others, the Bureau of Insurance has revised its proposed hurricane deductible regulation. Changes to the proposed regulation include: The elimination of two “coastal zones” that were defined by a list of c... Read more

Louisiana: Contact Members of the House Commerce Committee to Oppose SB 299

May 16, 2014 NAMIC continues to support meaningful reforms of the litigation lending industry. Senate Bill 299, while purportedly designed to do that, fails to provide necessary consumer safeguards. What is consumer lawsuit lending? A plaintiff essentially sells par... Read more

Michigan: Contact Michigan House Judiciary Asking Support for Consumer Protection Legislation

May 14, 2014 Join NAMIC in supporting HB5558, up for hearing May 15 in the House Judiciary Committee. The Legislature passed in 1976 the Consumer Protection Act including exemptions for industries regulated by other areas of the code. The insurance industry was amon... Read more

Colorado: Provide Feedback on Draft Insurance Regulation 5-2-17, Concerning Private Passenger Automobile Coverage Limitations

May 12, 2014 The Colorado Division of Insurance has asked for feedback on its Draft Insurance Regulation Concerning Private Passenger Automobile Coverage. Comments must be submitted to the DOI by May 16, 2014. Please send comments to me by 5 p.m. MDT on May 14, 2014... Read more

Illinois: Contact Members of the Illinois House of Representative to Request They Oppose SB 3287

May 12, 2014 Soon, the Illinois House of Representatives will debate SB 3287 , a bill that destroys workers' compensation exclusive remedy immunity for independent service companies that provide safety consultation for other companies. Illinois insurers that do not ... Read more

Illinois: Oppose SB 3287 - Tort Liability for Workers' Compensation Safety Programs

May 5, 2014 The Illinois House of Representatives' Judiciary Committee is scheduled on May 7 to hear SB 3287 , a bill that destroys the workers' compensation exclusive remedy immunity for independent service companies that provide safety consultation for other comp... Read more

New Jersey: Feedback on Proposed Rule for Alternative Payment Methods

April 22, 2014 The New Jersey Department of Banking and Insurance has proposed amendments to the unfair claims settlement practices rules that would allow carriers to make claims payments via electronic transfers, prepaid debit cards, or other comparable payment metho... Read more

Texas: Provide Comments on Proposed Return-to-Work Guidelines

April 21, 2014 The Texas Division of Workers’ Compensation is accepting comments on a concept draft of 28 Texas Administrative Code §137.10 regarding Return-to-Work Guidelines. If your company has any thoughts on the proposed guidelines, please provide them to me no l... Read more

New Jersey: Feedback on Proposed Rule for One-Page Homeowners Summaries

April 18, 2014 The Legislature enacted a law in 2013 directing the Department of Banking and Insurance to require all insurers to provide their homeowners policyholders with a one-page summary of notable coverages and exclusions. DOBI has proposed a new rule to implem... Read more

Colorado: Provide Feedback on Proposed Repeal, Re-Promulgation of record retention regulation

April 8, 2014 The Department of Regulatory Agencies/Division of Insurance will be holding a public hearing May 1 at 1 p.m. MDT on its proposed repeal of the current Market Conduct Record Retention Regulation 1-1-7 and the re-promulgation of Record Retention Regulatio... Read more

Oklahoma: Contact House Insurance Committee Members Urging Them to Support Senate Bill 991

April 2, 2014 Senate Bill 991 will be heard April 3 in the House Insurance Committee. We urge our members to contact committee members to ask them to support this legislation pertaining to the stacking of uninsured motorists coverage. If you prefer calling, below are... Read more

Rhode Island: Provide Feedback on DBR Proposed Changes to Coordination of Benefits Regulation

April 1, 2014 The Department of Business Regulation has proposed changes to Regulation 48 – Coordination of Benefits. DBR states that the changes will bring the regulation into conformance with the NAIC’s model act on coordination of benefits. The regulation’s reach ... Read more

Colorado: Please Provide Feedback HB 1343, Post-Traumatic Stress Disorder for Peace Officers

March 25, 2014 HB 1343 would include post-traumatic stress disorder suffered by a peace officer in the line of duty as a covered workers' compensation disability. A peace officer is presumed to have a diagnosis of PTSD if he or she seeks treatment for and is diagnosed... Read more

Louisiana: Contact House Members Urging Support for Jury Trial Threshold, Asbestos Litigation Venue Bills

March 25, 2014 The Louisiana Legislature is undertaking a number of tort reform efforts this session worthy of our support. HB 917 is the jury trial threshold bill; it will decrease the threshold required for a jury trial in civil proceedings from $50,000 to $0. Only ... Read more

Colorado: Contact Members of House Committee to Ask Opposition or Amendment to Ride Sharing Bill

March 24, 2014 The House Transportation and Energy Committee will hold a public hearing April 2 on SB 125. The proposed legislation moved quickly through the Senate and passed over to the House with the following insurance related provisions: Requires personal auto in... Read more

Kansas: Contact House Members Asking Support for Tort Reform Legislation, Oppose Amendments Weakening It

March 21, 2014 The Kansas House of Representatives will debate on March 21 SB 311 , a tort reform package dealing with non-economic damages caps, junk science evidence, and the admissibility of evidence of "collateral source" benefits received by the plaintiff after a... Read more

California: Please Provide Feedback on Proposed Workers’ Compensation Legislation

March 20, 2014 Proposed workers’ compensation legislation, AB 2723 – workers’ compensation: liens , has been introduced in the California Legislature. A public hearing is scheduled for the bill on March 28 in the Assembly Insurance Committee. Please review and provide... Read more

Oregon: Please Provide Feedback on Temporary Rules on OID Restitution

March 20, 2014 The Oregon Insurance Division Rulemaking Committee for SB 414 will be meeting on April 4 to discuss the final version of the Restitution Rules. NAMIC has been working with the OID and the Rulemaking Committee on the draft rules since SB 414 was enacted.... Read more

Wisconsin: Contact Your Legislators to Urge Them to Vote 'NO' on Motor Vehicle Violations Legislation

March 19, 2014 Wisconsin AB 737 allows drivers with motor vehicle violations to prevent the data from being shared with Wisconsin Department of Motor Vehicles if they pass a safe driving class. Violators can erase all moving violations of three points or less every 18... Read more

California: Please Provide Feedback on Proposed Workers’ Comp Legislation

March 17, 2014 The following proposed workers’ compensation legislation has been introduced in the California Legislature. Please review and provide feedback to me by March 24 at 1 p.m. (MDT). AB 2604 , Workers’ compensation: proceedings: payment delay AB 2230 , Worke... Read more

Maryland: Contact Members of Senate Finance Committee to Oppose Aftermarket Parts Legislation

March 3, 2014 SB 487 is legislation seeking to restrict both the procurement of auto replacement parts and the use of aftermarket parts. NAMIC lent testimony opposing the bill , and a vote is expected soon in the Senate Finance Committee on which many of the co-spons... Read more

California: Sign Up for Legislative Action Day

February 27, 2014 NAMIC will be co-hosting a Legislative Action Day in Sacramento on March 11, 2014, starting at 9 a.m. PST for members of the insurance industry to hear from elected officials and public policy experts about legislative and regulatory issues pertaining t... Read more

South Carolina: Keep Pressure on Senate Judiciary Committee; Ask for Amendment Limiting "Cash for Copper"

February 26, 2014 The South Carolina Senate Judiciary Committee again carried over SB 561, so we have time to continue the pressure on committee members to amend the subcommittee amendment to limit "cash for copper" to $25 PER DAY, PER CUSTOMER. You may have responded to... Read more

New York: Feedback Requested on Obstacles to Private Flood Insurance

February 21, 2014 NAMIC recently reported on a meeting between the Department of Financial Services and the industry on the prospect of creating a viable market in New York for private flood insurance. DFS subsequently contacted the participants to solicit feedback on im... Read more

South Carolina: Contact Still Needed on Copper Theft Bill

February 20, 2014 Action Needed: Contact Senate Judiciary Committee to Ask for Amendment Limiting "Cash for Copper" Action Expires: Tuesday, February 25, 2014, Noon The South Carolina Senate Judiciary Committee did not take up SB 561 on Feb. 18, so THERE'S STILL TIME to ... Read more

South Carolina: Allow E-card Verification of Auto Insurance

February 18, 2014 Please contact members of the South Carolina Senate Transportation Committee to ask that they vote "YES" for HB 3623, which would allow the use of an electronic device for proof of financial responsibility in an automobile. Take Action Liz Reynolds Stat... Read more

Texas: Provide Comments on Proposed Regulations on Named Driver Policies

February 17, 2014 The Texas Department of Insurance promulgated proposed regulations to implement the provisions of Senate Bill 1567 passed in 2013. The enacted legislation requires disclosures for named driver policies and certain changes to the insurance identification... Read more

Contact South Carolina Senate Committee Asking for ‘No’ Vote on Cash for Copper Amendment

February 17, 2014 NAMIC has learned that the South Carolina Recyclers Association is attempting to turn back the clock to again allow cash payment for copper, using SB 561. SB 561 is a good bill that helps address the problem of copper theft by outlawing the sale of copp... Read more

Maine: Provide Feedback on Proposed Hurricane Deductible Regulation

February 14, 2014 The Maine Bureau of Insurance has proposed a rule governing the use of hurricane deductibles. NAMIC members are asked to provide any comments or concerns to me by close of business on Friday, March 7, 2014, so that appropriate testimony may be developed... Read more

Texas: Please Review and Provide Comments on Proposed Regulations

February 11, 2014 The Texas Department of Insurance has promulgated proposed regulations affecting the Texas Windstorm Insurance Association. The proposed rules pertain to making and assessing premium surcharges, the issuance of public securities, funding losses, and ope... Read more

Massachusetts: Provide Comments on Flood Insurance Survey for Top 25 Homeowners Writers

February 7, 2014 The Division of Insurance plans to collect data from the top 25 homeowners’ insurers and the FAIR plan on flood insurance written in Massachusetts. The data request will be done under the examination statute to enable company-specific data to remain con... Read more

Mississippi: Contact Legislators Asking Approval on State Uniform Construction Code, Roofing Fraud Bills

February 6, 2014 NAMIC is part of an industry effort to pass a statewide building code and "storm scammer" legislation in Mississippi. Because of a tremendous amount of work and time to educate relevant committees, we were successful in moving all four bills through the... Read more

California: Sign Up for Legislative Action Day

February 6, 2014 NAMIC will be co-hosting the Legislative Action Day in Sacramento, Calif., on March 11, 2014 , for members of the insurance industry to hear from elected officials and public policy experts about legislative and regulatory issues pertaining to auto, hom... Read more

California: Provide Feedback on Proposed Regulations

January 29, 2014 The California Department of Insurance has promulgated three related proposed regulations on the California Automobile Assigned Risk Plan and California Low Cost Automobile Plan of Operations: 1. REG-2014-00025 – Notice of Proposed Action and Notice of ... Read more

Colorado: Provide Feedback on Proposed Regulation 1-2-9, Fees Charged by Producers

January 27, 2014 The Colorado Division of Insurance has promulgated Proposed Regulation 1-2-9, Fees Charged by Producers and has scheduled a public rulemaking hearing for Feb. 18 at 11 a.m. MST. Please send comments to me by 12 p.m. MST on Feb. 11 for inclusion in NAMIC... Read more

Tennessee: Contact House Committee Members Asking for a “Yes” Vote on Litigation Loan Legislation

January 24, 2014 NAMIC is working with our members and partners to support HB 1242 , legislation that will enact consumer disclosures, require registration with the secretary of state, and give enforcement authority to the attorney general for third-party lawsuit lendin... Read more

New York: Feedback Needed on Proposed Enterprise Risk, ORSA Regulation

January 16, 2014 The Department of Financial Services has proposed regulations to implement the new Enterprise Risk Management and Own Risk and Solvency Assessment reporting requirements. The ERM provisions exempt domestic insurers that are not in a holding company syst... Read more

Register for Virginia Legislative Action Day

January 10, 2014 You are invited to the property/casualty insurance industry’s legislative action day Feb. 11-12 in Richmond, Va. Who Should Attend This event is open to insurance company employees at all levels. NAMIC encourages companies to send as many local employee... Read more

Texas: Provide Comments to NAMIC on Informal Draft Rules on Mode of Payment

December 20, 2013 The Texas Department of Insurance, Division of Workers’ Compensation, recently issued an informal draft of proposed changes to 28 TAC 124.5, which can be found here. The proposed rules would alter how electronic payments are made through access cards. P... Read more

Texas: Provide Feedback on Proposed Rule Requiring Photo ID When Applying for Clear Auto Title

December 17, 2013 The Texas Department of Motor Vehicles is proposing a rule change in which a photo ID would be required from an employee of any business when applying for a clear title in the name of the business. This would likely include insurance companies applying ... Read more

New Hampshire: Feedback on Proposal to Require SERFF Filing of All Pre-2008 Forms

December 16, 2013 The New Hampshire Department of Insurance plans to require SERFF informational filing of all property/casualty forms that were approved prior to Jan. 1, 2008, when the SERFF program was implemented and which are still in use (or the company may use in t... Read more

Ohio: Provide Feedback on Proposed Amended Language to Financial Responsibility Identification Card

December 2, 2013 The Ohio Department of Insurance proposes to amend O.R.C. 4501:1-2-02, Financial responsibility identification card , to allow an insurer to provide a financial responsibility identification card in electronic form in lieu of, or in addition to, a print... Read more

Provide Comments, Concerns Regarding Proposed Regulation on Massachusetts Workers’ Comp Deductibles

November 22, 2013 The Massachusetts Division of Insurance has proposed changes to its regulation governing the use of deductibles with workers’ compensation insurance policies. Currently, there are two regulations regarding workers’ compensation deductibles and the propo... Read more

Provide Comments, Concerns on Massachusetts Draft Bulletin on Auto Policy Term Disclosure

November 21, 2013 The Division of Insurance is considering the issuance of a bulletin that would specify how private passenger auto insurers would have to disclose the pertinent coverage period with each quote. The division has detected a lack of consistency in the marke... Read more

Provide Feedback on Proposed Regulation on Adverse Actions Relating to 2013 Colorado Floods

November 21, 2013 The Colorado Division of Insurance has promulgated Proposed Regulation 5-1-19, Prohibiting Adverse Actions Applicable to Victims of the 2013 Colorado floods. The proposed regulation is scheduled for a public rulemaking hearing on Dec. 19. Please send co... Read more

Reminder to Submit Comments – International Changes to Insurance Accounting

October 23, 2013 NAMIC would like to thank all member companies that responded to the Action Alert distributed on Oct. 18 regarding the call for comments on the Financial Accounting Standards Board exposure draft that proposes the replacement of the entire GAAP standard... Read more

Texas: TDI Solicits Input for Informal Data Call

October 21, 2013 The Texas Department of Insurance recently announced that it is seeking input for a proposed data call aimed at implementing Senate Bill 1702. The legislation permits residential structures that were built, remodeled, or repaired on or after June 19, 20... Read more

U.S. GAAP vs. Statutory Accounting; Requests Comment Letters to FASB

October 17, 2013 The Financial Accounting Standards Board released an exposure draft in June that proposed the replacement of the entire GAAP standard for insurance accounting. NAMIC strongly urges all members to consider the possible impacts on their operations and sub... Read more

Florida: Examinations Under Oath

October 16, 2013 Florida Insurance Consumer Advocate Robin Westcott has asked NAMIC's state advocacy partner, the Florida Insurance Council, to review and provide comments on statute revisions regarding examinations under oath. NAMIC State and Policy Affairs Counsel Pau... Read more

Kansas: Regulator announces P/C Summit

October 7, 2013 The Kansas Insurance Department sent a message on Oct. 7 officially announcing that it will hold a property/casualty regulatory issues summit with companies on Dec 5 in Topeka. The summit is the result of a series of discussions between the Kansas Insur... Read more

New Hampshire: Possible Changes to Anti-Rebating Law

October 7, 2013 The New Hampshire Insurance Department may propose changes to the anti-rebating law. The law currently permits raffles and drawings but places a $1,000 cap on prizes awarded. The department may seek amendments to either remove the cap entirely or increa... Read more

Arizona Member Meeting, Lunch

October 1, 2013 NAMIC will host a membership meeting and luncheon in Phoenix on Nov. 5, 2013. We will be discussing the 2014 legislative session in Arizona and how NAMIC can best assist members achieve their legislative and regulatory priorities. This event is open to ... Read more

New York: Senate Majority Seeking Input on Regulatory Relief

September 27, 2013 The Senate Majority Coalition has asked a number of industries, including the insurance industry, to identify existing regulations that are unduly burdensome, unnecessary, or otherwise impair business and job growth. The Senate Majority Coalition will h... Read more

Missouri: Thank Legislators Who Voted to Override the ‘Fairness For Responsible Drivers Act’ Veto

September 13, 2013 The Missouri General Assembly on Sept. 11 overrode the veto of HB 339, the Fairness for Responsible Drivers Act, or “No Pay/No Play.” Your grassroots actions were crucial; in fact, the override passed the House with no votes to spare. Thank you to all w... Read more

Comments on Utah’s PIP Relative Value Study Rule Needed

September 11, 2013 The Utah Insurance Department seeks comments on the proposed Personal Injury Protection Relative Value Study Rule. The proposed rule contains conversion factors to be used in determining the reasonable value of a medical or dental service. Please provid... Read more

Missouri: Reminder – Ask Your Legislator to Vote to Override the ‘Fairness for Responsible Drivers Act’ Veto

August 29, 2013 Earlier this summer NAMIC sent an alert urging members to contact their legislators and ask for a vote to override the veto of HB 339 , the Fairness for Responsible Drivers Act, sometimes called “No Pay/No Play.” We appreciate the efforts of those who c... Read more

New Hampshire: DOI Legislation for 2014

August 27, 2013 The New Hampshire Insurance Department intends to seek legislation in 2014 that would require notice to policyholders at issuance and renewal stating that the policy does not provide flood coverage. A second piece of legislation would clarify that consu... Read more

New Jersey: Draft Homeowner Summaries

August 20, 2013 With input from NAMIC and other industry groups, the Department of Banking and Insurance drafted one-page summaries of notable coverages and exclusions for homeowners , dwelling/fire , condominium , mobile home , and renters’ insurance policies. The one... Read more

Arizona: Share Your Thoughts on Property/Casualty Rate, Form Filing Exemptions

August 12, 2013 The director of insurance at the Arizona Department of Insurance will conduct a hearing Aug. 28 on whether to continue to exempt certain types of insurance from filing requirements. NAMIC plans to file written comments on this issue. Please let me know ... Read more

Florida: Data Needed to Prepare for Next Round of Premium Tax Salary Credit Repeal Fight

August 8, 2013 The fight against the Florida Senate’s move to repeal the long-standing premium tax salary credit for insurers did not end with the bill’s defeat by the House at the end of the 2013 session. Sens. Don Gaetz and Joe Negron have publicly stated that legis... Read more

Urge Your Legislator to Override ‘Fairness for Responsible Drivers Act’ Veto

July 30, 2013 Supporters of HB 339 will seek to override the governor’s veto when the Legislature convenes in September. The bill, sometimes called “No Pay/No Play,” is designed to protect responsible drivers from motorists who flout Missouri’s financial responsibili... Read more

NAIC’s Northeast Zone CAT Working Group to Discuss Changes to Data Call Template

July 17, 2013 The NAIC’s Northeast Zone CAT Working Group will be discussing possible changes to the CAT data call template with the industry via a conference call on July 18. The proposed changes are highlighted on the template and summarized below: Zip code fields ... Read more

Tell Your Representatives in Washington to Preserve Competition in the Auto Repair Parts Market

July 10, 2013 As the summer driving season gets fully underway, we need your help to ensure continued access to affordable, automotive collision replacement parts across the United States. Automobile manufacturers have been working to eliminate alternative repair par... Read more

Rhode Island: Contact Legislators to Oppose Total Loss Bill (H.5263)

June 26, 2013 The House Commerce Committee favorably reported H. 5263 , legislation promoted by the auto body shop industry. H.5263 would make it an unfair claims practice to declare a motor vehicle a total loss if the cost to repair the vehicle would be less than 75... Read more

Pennsylvania: Provide Feedback on Pennsylvania Venture Capital Legislation

June 25, 2013 NAMIC is asking members to send us feedback by close of business on June 28 on Senate Bill 456. The measure seeks to allow a qualified taxpayer to purchase tax credits and apply those credits against its insurance premium tax liability. We ask insurance... Read more

Texas: Provide Feedback to NAMIC on Proposed Rules for Prior Approval of Rates

June 24, 2013 The Texas Department of Insurance will hear testimony June 26 regarding proposed regulations on prior approval of rates and statewide insurance emergencies. Please review the proposed regulations and provide feedback to me by 5 p.m. on June 25 to enable... Read more

Ask Your Members of Congress to Sponsor the Safe Building Code Incentive Act

June 19, 2013 On the heels of bipartisan, bicameral bill introduction, two congressional hearings, and a forum on safer building codes co-hosted with the Congressional Fire Services Institute, NAMIC and the BuildStrong Coalition are taking advantage of our momentum b... Read more

New York: Contact Senate Leadership, Your Senator to Oppose Sandy-Related Bills

June 11, 2013 Please contact the Senate majority co-leaders, Sens. Dean Skelos and Jeffrey Klein, as well your own state senator to oppose a number of Sandy-related bills that will have an adverse impact on consumers as well as the property/casualty insurance market.... Read more

Utah: RSVP Needed for Membership Meeting, Lunch

June 11, 2013 NAMIC will host a membership meeting and luncheon Aug. 7 in Salt Lake City. We will be discussing the 2014 legislative session in Utah and how NAMIC can best assist members achieve their legislative and regulatory priorities. This event is open to any N... Read more

Rhode Island: Uninsured Motorist Verification

June 7, 2013 The Rhode Island House Corporations Committee will be considering substitute legislation next week that would establish a system for identifying uninsured motorists. The state will contract with a vendor who will administer the program, and insurers wil... Read more

New York: Respond to DFS Request for Information on Impact of ACC Ban on Sewer Back Ups

June 6, 2013 As noted in a previous member advisory, the Department of Financial Services has been considering possible regulatory action to prohibit or restrict the use of anti-concurrent causation clauses in insurance policies. One possible scenario now under revi... Read more

Delaware: Contact State Senators to Ask for No Vote on Presumptive Condition Bill

June 5, 2013 Senate Bill 53 creates a presumption that a covered firefighter who has heart disease, hypertension, lung disease, or certain cancers contracted the disease arising out of and in the course of actions in the line of duty. NAMIC is opposed to presumptive... Read more

Oregon: Ask Governor to Veto Controversial Pollution Liability Bill

June 3, 2013 Please contact Gov. John Kitzhaber to ask him to veto NAMIC-opposed SB 814 , Insurance for Environmental Claims, which will interfere with an insurer’s right to enforce the terms of its insuring agreement. The proposed legislation passed out of the Asse... Read more

Michigan: Contact House Members to Ask for Yes Vote on No-Fault Reform

May 29, 2013 Michigan no-fault reform, HB 4612 , remains a top priority for NAMIC, trade partners, and members as we head toward the summer recess. In the course of debate over the reform, legislators are getting a host of false information from opponents of the bil... Read more

Kentucky: Draft Regulation on E-card

May 28, 2013 NAMIC is working with our trade partner and members to address any concerns with a draft regulation to implement the Kentucky 2013 e-card bill, HB 164. The new law permits an insurer to provide an insurance card in either a paper or an electronic format... Read more

Nevada: Ask Governor to Veto ‘Joint and Several Liability’ Bill

May 24, 2013 The Senate passed on May 22, NAMIC-opposed “Joint and Several Liability” bill, AB 240 , on a strict party-line vote of 11-10. Please contact Gov. Brian Sandoval, via email to his Chief of Staff Gerald Gardner. In your email to the governor, please point... Read more

Oregon: Ask House to VOTE NO on Controversial Pollution Liability Bill

May 24, 2013 The House will be voting on NAMIC-opposed SB 814 , Insurance for Environmental Claims, which will interfere with an insurer’s right to enforce the terms of their insuring agreement. The proposed legislation would retroactively rewrite commercial general... Read more

FASB: Please forward the following member alert to your chief financial officer and/or controller

May 23, 2013 The Financial Accounting Standards Board is currently working on a joint project with the International Accounting Standards Board to develop an accounting standard on Financial Instruments – Classification &amp; Measurement. As you may be aware, the Na... Read more

Oregon: Ask Senate Committee to VOTE NO on Bad Faith/UTPA Bill

May 20, 2013 HB 3160, as amended , has been in the Senate General Government, Consumer and Small Business Protection Committee since the May 8 public hearing, so NAMIC member outreach could be very helpful in keeping the bill from passing out of the committee. The p... Read more

New Jersey: Feedback on Proposed One-Page Homeowners Summary

May 20, 2013 Recently enacted legislation requires homeowners insurers to provide a one-page summary of the policy’s notable coverages and exclusions as determined by the commissioner of the Department of Banking and Insurance. NAMIC and the other trades collaborate... Read more

South Carolina: DOI Data Call for Online Shopper’s Guide

May 17, 2013 The South Carolina Department of Insurance has issued a bulletin requesting data on private passenger auto and homeowners coverage to be used in an online shopper’s guide the department is developing. The guide will include cost-comparison tools. Compan... Read more

Virginia: NAMIC Seeks Member Input on Virginia Towing Reforms

May 16, 2013 NAMIC is inviting all companies writing auto insurance in Virginia to participate in a conference call at 2 p.m. on Thursday, May 30, to discuss possible 2014 towing reform legislation. Our member companies have told us reforms are needed, as current la... Read more

Missouri: Urge Your Senator to Support HB 339 – Fairness for Responsible Drivers Act

May 13, 2013 With the Missouri General Assembly set to go home May 17, this is the last week for action on HB 339 , the bill to reduce the number of uninsured motorists by preventing them from collecting non-economic damages from insured drivers in most accidents. T... Read more

Louisiana: Contact House Insurance Members to Oppose SB19

May 13, 2013 Senate Bill 19 by Sen. Bret Allain, which prohibits Citizens Insurance Corporation from assessing rates in excess of 25 percent per year without approval from the Senate and House Committees on Insurance, is scheduled to be heard by the House Insurance ... Read more

New Jersey: DOBI Meeting to Discuss One-Page Homeowners Summary

May 10, 2013 Legislation recently signed into law by Gov. Chris Christie, A.3642, requires homeowners insurers to provide policyholders with a one page summary of the policy, including notable coverages and exclusions. The Department of Banking and Insurance has inv... Read more

Louisiana: Contact House Commerce Committee Members to Support Litigation Lending

May 8, 2013 SB 166 by Sen. Dan Claitor, which creates the Consumer Lending Information and Protection Act to regulate consumer litigation loan transactions, will be heard in the House Commerce Committee on May 13. The bill passed out of the Senate last week. Curren... Read more

Minnesota: Send Letters to the Editor Against Proposal for Surcharge on Auto/Home Policies

May 8, 2013 Public opposition continues to grow against a proposal to slap a surcharge of $5 per automobile and homeowners’ policy in order to fund public pensions. NAMIC’s state trade advocacy partner the Insurance Federation of Minnesota is requesting that insure... Read more

Michigan: Contact House Member to Support No-Fault Reform

May 8, 2013 NAMIC is joining our trade partners and members in supporting Michigan no-fault reform legislation HB 4612. The bill consists of a benefit cap of $1 million, which is still 20 times higher than the next closest state’s benefit. Insurers will be responsi... Read more

Washington: Please Provide Feedback on Proposed Regulation

May 7, 2013 The Office of the Insurance Commissioner has scheduled a rulemaking hearing on a proposed regulation that would require the filing of service contracts and insurance credit scoring models using the system for electronic rate and form filing. The rulemak... Read more

Missouri: Urge Your Senator to Support HB 339 – Fairness for Responsible Drivers Act

May 7, 2013 HB 339 , the bill that prevents uninsured motorists from collecting non-economic damages from insured drivers in most accidents, often called “No-Pay /No Play,” is likely to be debated in the Missouri Senate this week. The trial bar will throw everythin... Read more

Michigan: Contact Michigan House Insurance Committee to Support No-Fault Reform

May 2, 2013 NAMIC is joining our trade partners and members in supporting Michigan no-fault reform legislation, HB 4612. The bill consists of a benefit cap of $1 million, which is still 20 times higher than the next closest state’s benefit. Insurers will be respons... Read more

Louisiana: Contact State Senators to Support Litigation Lending Reform

April 29, 2013 SB 166 by Sen. Dan Claitor, which creates the Consumer Lending Information and Protection Act to regulate consumer litigation loan transactions, could be heard on the Senate floor as early as today, Monday, April 29. The bill passed out of committee las... Read more

South Carolina: Urge Senators to Remove Amendment Allowing ‘Cash for Copper’

April 29, 2013 SB 561 , a bill restricting the sale and purchase of copper “coils,” has been amended by a Senate Judiciary subcommittee to allow cash transactions up to $25. The bill is scheduled to be heard in the full Judiciary Committee Tuesday, April 30, 2013, at ... Read more

Michigan: Hearings to be Held April 25 and May 2; Contact Legislators Expressing Support for No-Fault Reforms

April 24, 2013 The much-anticipated reforms to Michigan’s auto no-fault system have been introduced in the House. HB 4612 is the sponsored by Rep. Pete Lund and endorsed by the governor’s office. The legislation calls for: A $1 million cap on benefits. Insurers will b... Read more

New York: Feedback on Possible Regulatory Changes Affecting Homeowners

April 23, 2013 The New York Department of Financial Services has asked for insurer feedback regarding the following two regulatory changes that DFS may propose: (1) Limiting cancellation or non-renewal in any county to 2 percent of the insurer’s policies; (2) Prohibit... Read more

Louisiana: Contact Senate Commerce Committee Members to Support Litigation Lending Reform

April 23, 2013 SB 166 , by Sen. Dan Claitor, which creates the Consumer Lending Information and Protection Act to regulate consumer litigation loan transactions, will be heard in Senate Commerce Committee on April 24 at 9 a.m. Currently, lawsuit lending companies loca... Read more

Florida: Continue to Contact Legislators Asking Them to OPPOSE SB 1832

April 22, 2013 Thanks so much to NAMIC members who have engaged in grassroots communications and provided financial resources to fight SB 1832 , which would repeal the premium tax credit for percentage of salaries paid that has been available to insurers in Florida fo... Read more

South Carolina: Identify, Provide Input on Burdensome Statutes, Rules, Regulations, Policies

April 12, 2013 NAMIC has again been asked by the South Carolina Department of Insurance to provide input that will help it respond to Gov. Nikki Haley’s Executive Order 2013-02 that requires the DOI to “…identify its current and proposed statutes, rules, regulations, ... Read more

Florida: Engage Company Employees in Florida to Call Legislators Asking Them to OPPOSE SB 1832

April 11, 2013 Thanks so much to NAMIC members and other industry partners who have stepped up with financial contributions to the media campaign to fight SB 1832. NAMIC is also contributing to the effort. Television ads begin running today. We now need you to make ca... Read more

Oregon: Ask Senate Committee to VOTE NO on HB 3160 (Bad Faith/UTPA)

April 9, 2013 HB 3160, as amended , passed out of the House on a 33-27 vote. The bill has been assigned to the Senate Committee on General Government, Consumer and Small Business Protection. NAMIC member grassroots advocacy is promptly needed. NAMIC is vigorously opp... Read more

Arkansas: Contact Committee Members to Oppose Salvage Bill

April 9, 2013 House Bill 2205 will be heard April 9 in the House Public Transportation Committee. This is the second problematic salvage bill this session we have been tracking. We encourage NAMIC members to contact committee members to OPPOSE the bill because: The b... Read more

Florida: Join Effort to Fight Repeal of Salaries Tax Credit

April 5, 2013 On April 2, members of the Florida Senate Appropriations Committee approved SB 1832 , which would eliminate the salary credit against the insurance premium tax. Bill sponsor Sen. Joe Negron proposes to use the approximately $220 million from the tax cre... Read more

Arkansas: Contact House Members Asking for Support for Insured Driver Protection Bill

April 3, 2013 Senate Bill 1060 , the Insured Driver Protection Bill, passed out of the House Insurance and Commerce Committee on April 3. The bill would: Exclude an uninsured driver from receiving punitive damages in the event that an insured driver is at fault in an... Read more

Montana: NAMIC Requests Your Feedback on Premium Tax Bill

April 1, 2013 A premium tax bill, SB 404 , intended to clarify what is taxed for premium tax purposes was introduced on March 25 and assigned to the Senate Committee on Taxation. The bill has been reassigned and scheduled for a public hearing on April 3 in the Senate... Read more

Nevada: NAMIC Requests Your Feedback on DOI Omnibus Bill

April 1, 2013 The Nevada insurance commissioner has introduced two insurance omnibus bills: one bill is on health insurance and the other bill impacts all lines of insurance. Please review AB 435 , especially the fraud investigation/prosecution assessment provision f... Read more

Oregon: Ask House to VOTE NO on HB 3160, Bad Faith/UTPA Bill

April 1, 2013 HB 3160 passed, as amended , out of the House Committee on Consumer Protection and Government Efficiency on a 6-3 vote. The bill will be up for floor vote any time now, so NAMIC member grassroots advocacy is promptly needed. NAMIC has joined forces with... Read more

Oklahoma: Contact House Judiciary Committee Members Asking for Hearing on Asbestos Litigation Legislation

April 1, 2013 Senate Bill 404 would address the continuing problem of asbestos litigation in Oklahoma. The bill passed the Senate but has not been heard in the House. NAMIC urges our members to contact key members of the House Judiciary Committee to ask them to push ... Read more

Alaska: Ask Committee Members to Vote ‘Yes’ on SB 58

March 29, 2013 NAMIC-supported underwriting freedom bill , which would allow insurers to cancel homeowner’s insurance on property that has been entirely abandoned, if the abandonment increases liability exposure for the insurer, is scheduled for a public hearing in th... Read more

Provide NAMIC With Guidance to Determine Position on Repeal of PIP No-Fault Auto System in Florida

March 29, 2013 The Florida Senate Banking and Insurance Committee staff has released a draft bill to repeal the Florida Motor Vehicle No-Fault Law and instead mandate bodily injury liability coverage of at least $25,000/$50,000, effective Jan. 1, 2013. As you may know... Read more

Alabama: Contact House Insurance, Senate B&I Members to Move Flex-Rating for Auto

March 28, 2013 House Insurance Vice Chair Greg Wren has introduced the House version of flex-rating for private passenger automobile insurance. Wren, who is a National Conference of Insurance Legislators officer, based the bill on the NCOIL model. HB 458 has been refe... Read more

Contact Senate Members to Ask for Yes Vote CBIS Bill

March 26, 2013 NAMIC-supported credit-based insurance scoring on policy renewals bill, SB 55 , passed out of the Senate Labor and Commerce Committee and is now up for a Senate floor vote. Please contact members of the Senate to ask them to VOTE YES on SB 55, so that i... Read more

Florida: Provide NAMIC With Information Regarding Employees at Florida Operations to Combat Legislation to Eliminate Premium Tax Credit for Percentage of Salaries Paid

March 25, 2013 NAMIC has learned that the Florida Senate plans to target a tax credit used by the insurance industry in order to cover the costs of a proposal to lower the fees now charged to motorists to renew their vehicles and driver’s licenses. The bill is expecte... Read more

New Jersey: Feedback Requested – Power Outage Information

March 20, 2013 Our state trade partner, the Insurance Council of New Jersey, recently met with the New Jersey Utilities Association to discuss insurers’ need for information about the cause of power outages so that they can process claims. The utility association aske... Read more

Alabama: Contact Senate B&I Members to Move Flex-Rating for Auto

March 19, 2013 Senate Banking and Insurance Committee Chairman Slade Blackwell has introduced SB 328 to implement flex-rating for private passenger automobile insurance. A House companion bill is expected to be filed soon. Please contact members of the Senate Banking ... Read more

Florida: Urge Legislators to Support Limits on Drug ‘Repackaging’

March 18, 2013 The House Health Quality Subcommittee will take up HB 605 March 19 at 9 a.m. Please contact subcommittee members and encourage them to vote “YES” on the bill. On March 20, the Senate Banking and Insurance Committee will hear SB 662. Please contact commi... Read more

Tennessee: Support Phantom Damages Reform

March 12, 2013 HB 978/SB 1184 will be up for consideration this week in the House and the Senate. This pair of measures seeks reform on “phantom damages,” medical bills are often lowered due to discounts or negotiated rates. Juries often are only allowed to hear the f... Read more

Arkansas: Please Contact House Committee Members to Oppose Sale of Salvage Vehicles Bill

March 11, 2013 House Bill 1537 would place significant impediments on the sale of salvage vehicles, which would reduce the returns insurers receive when selling them. We suggest NAMIC member companies reach out to members of the House Public Transportation committee b... Read more

Contact West Virginia Senate Banking & Insurance Committee Now

March 8, 2013 NAMIC has just received word that the following bills will be up for consideration in Senate Banking &amp; Insurance on Monday at 2pm. Senate Bill 410 provides that a property insurance coverage policy in force for at least three years may not be denied... Read more

Arizona: Comments Needed on Electronic Posting of Policy Information

March 7, 2013 Arizona House Bill 2565 , now in the Senate, contains provisions pertaining to the electronic posting of policy information on an insurer’s website. We have identified language that would significantly increase the amount of information an insurer must ... Read more

Maryland: Contact House Members Asking for ‘NO’ Vote on Geographic Underwriting Bill

February 27, 2013 Resurging one of the most unfavorable of bills of 2012, Maryland is considering restrictions on geographic underwriting in the form of Delegate O’Donnell’s HB 71. HB 71 alters “the requirements an insurer must meet before refusing to issue or renew a co... Read more

Mississippi: Contact House Judiciary B Members Asking for YES Vote on Insurance Fraud Reporting Bill

February 27, 2013 SB 2489 , which would prohibit civil liability against a person or entity for reporting insurance fraud, is now more than halfway through the legislative process. The House Insurance Committee approved the bill on Feb. 26, but it also must be approved b... Read more

Mississippi: Contact Senate Finance Committee Members Asking for YES Vote on Tax-Exempt Catastrophe Savings Accounts

February 25, 2013 Please contact members of the Senate Finance Committee to urge them to approve SB 2250 and move it out of committee no later than Feb. 27. If the bill does not move out of committee by then, it will be considered dead for the session. SB 2250 would allo... Read more

Texas: Provide Comments on TWIA/Fair Plan Legislation

February 25, 2013 Sen. John Carona’s office provided a copy of legislation on Feb. 22 to various stakeholders for our input. The bill would replace residential property coverage offered by TWIA and the FAIR plan with an assigned risk plan. Various insurance trade associa... Read more

Nevada: Contact Senate Committee to Voice SUPPORT FOR SB 114, Rate Modernization

February 21, 2013 A NAMIC-supported, pro-market competition bill, SB 114 , to modernize Nevada’s insurance rate filing and approval system from prior approval to file and use has been scheduled for a public hearing on Feb. 25 at 1:30 p.m. (PST) in the Senate Committee on... Read more

Idaho: Please Contact Members of House Transportation and Defense Committee to Ask for a ‘NO’ Vote on SB 1008, Salvage Certificates of Title

February 20, 2013 SB 1008 would amend existing law relating to motor vehicle salvage certificates of title by requiring insurers and salvage pools that currently issue their own certificates of title, to submit an application to the Department of Transportation for salva... Read more

Montana: Please Contact House Members to Ask for ‘Yes’ Vote on Residential Roofing Repair ‘Storm Scammer’ Bill

February 20, 2013 HB 460 passed out of the House Business and Labor Committee on Feb. 19 and will soon be voted on by the House. NAMIC will be contacting members of the legislature to encourage them to pass this important consumer-protection bill on to the Senate for con... Read more

Tennessee: Member Feedback Needed on Tennessee UM Database Measure

February 19, 2013 SB 845 creates the Uninsured Motorist Identification Database Program. NAMIC is seeking feedback from our member companies as to how implementation of this measure may affect you via ease of implementation and compliance costs. NAMIC member companies re... Read more

Maryland: Contact Members of the House Economic Matters Committee to Ask Them to Vote “NO” on HB 695

February 13, 2013 HB 695 requires that no insurer may issue policies that contain any anti-concurrent causation clauses or likewise exclude claims that arise out of concurrent causation. NAMIC is concerned that such a measure would set Maryland far apart from other state... Read more

Colorado: Please Provide Feedback on Proposed Homeowner’s Insurance Reform Act

February 13, 2013 HB 1225 has been introduced and assigned to the House Business, Labor, Economic, &amp; Workforce Development Committee for a public hearing. Some of the key provisions in HB 1225 require insurers to: Offer extended replacement coverage and law/ordinance... Read more

Arkansas: Contact House City, County & Local Affairs Committee Members to Ask Them to Oppose House Bill 1268

February 12, 2013 House Bill 1268 , filed Feb. 7 by Rep. John Catlett, is set for hearing Feb. 13 at 10 a.m. This bill would, among other things: Allow fire departments to charge up to $5,000 for services provided when responding to automobile accidents; Raise the dollar... Read more

Please Provide Feedback to NAMIC on Proposed Regulation on Companies Deemed to be in Hazardous Financial Condition

February 12, 2013 The Department of Regulatory Agencies, Division of Insurance has submitted a draft proposed rule or amendment to an existing rule concerning Proposed Regulation to Define Standards and Commissioner's Authority for Companies Deemed to be in Hazardous Fin... Read more

Tennessee: Contact Sponsor of Building Code Erosion

February 8, 2013 The insurance industry is trying to convince the sponsors of HB 92/SB 281 and HB876/SB1136 of the importance of strong building codes. The measures erode the strength of Tennessee’s building codes by allowing localities to control all codes and inspecti... Read more

Alaska: Please Provide NAMIC With Feedback on DOI's Request for Comments on Regulatory Environment

February 7, 2013 The Alaska Department of Commerce, Community and Economic Development: Division of Insurance has invited insurers and trade associations to provide the commissioner of insurance with feedback on the regulatory and legislative environments in Alaska. Spe... Read more

Virginia: Contact House General Laws Committee Asking for a 'NO' Vote on Accident Response Fees Bill

February 6, 2013 After initially dying in a Senate committee after industry testimony, SB 881 received a substitute and reconsideration before passing the Senate. The substitute drastically alters the bill, paring it down from a true accident response fee billable to in... Read more

Idaho: Contact Members of Senate Committee Asking Them to VOTE YES on HB 11, Automobile Insurance Underwriting

February 6, 2013 HB 11 would amend current state law to allow an insurer the option of not renewing an automobile insurance policy if the motor vehicle is registered in a jurisdiction other than Idaho. Please contact members of the Senate Committee on Commerce and Human... Read more

Montana: Contact House Members Asking Them to VOTE YES ON HB 225, Civil Judgment Interest

February 4, 2013 HB 225 , a civil judgment interest reform bill, passed out of the House Business and Labor Committee on Jan. 30 on a 12-8 vote. The bill will now be scheduled for a second reading and a floor vote. The proposed legislation would amend the civil judgment... Read more

Mississippi: Contact Senate Judiciary B Members Asking for YES Vote on Insurance Fraud Reporting Bill

February 4, 2013 SB 2489 would prohibit civil liability against a person or entity for reporting insurance fraud. The bill has already been approved by the Senate Insurance Committee and has been referred to the Senate Judiciary B Committee, which is scheduled to meet F... Read more

Idaho: Please Contact House Committee Members Asking Them to VOTE NO on SB 1008, Salvage Certificates of Title

February 4, 2013 SB 1008 would amend existing law relating to motor vehicle salvage certificates of title by requiring insurers and salvage pools that currently issue their own certificates of title to submit an application to the Department of Transportation for salvag... Read more

Contact Wyoming House Transportation Committee to Voice SUPPORT FOR SF 87, Electronic Proof of Insurance

January 30, 2013 SF 87 , an electronic proof of insurance bill that would allow an operator of a motor vehicle to provide proof of insurance via a mobile device, has passed out of the Senate. NAMIC has been actively supporting SF 87 because it is an insurance-consumer-f... Read more

Idaho: Contact House Business Committee Members Asking for YES vote on Automobile Insurance Underwriting Bill

January 28, 2013 HB 11 that would amend current state law to allow an insurer the option of not renewing an automobile insurance policy if the motor vehicle is registered in a jurisdiction other than Idaho is likely to be heard by the House Business Committee on Jan. 29... Read more

Contact Wyoming Senators to Voice OPPOSITION TO SF 59, Insurance-Consumer Protections

January 23, 2013 SB 59 , a bill that would turn every insurance coverage or contract dispute into a possible Unfair Trade Practices Act claim, passed, as amended , out of the Senate Corporations Committee on a 3-2 vote. SF 59 states: (b) It shall be an unfair and decept... Read more

Montana: Please Provide Feedback on HB 158, Certificates of Insurance

January 22, 2013 An NCOIL-based certificate of insurance bill, SB 158 , has been introduced and assigned to the Senate Business, Labor, and Economic Development Committee. A hearing has yet to be scheduled, but the bill could be placed on the committee calendar as early... Read more

Idaho: Feedback Requested on a Proposed Salvage Certificates of Title Bill

January 22, 2013 A salvage certificates of title bill, SB 1008 , was introduced on Jan. 17 and assigned to the Senate Transportation Committee. The bill has yet to be scheduled for a public hearing. SB 1008 amends existing law relating to motor vehicle salvage certifica... Read more

Contact Wyoming Senate Corporations Committee to Voice OPPOSITION TO SF 59, Insurance-Consumer Protections

January 21, 2013 SB 59 , a bill that would turn every insurance coverage or contract dispute into a possible Unfair Trade Practices Act claim, has just been scheduled for a public hearing in the Senate Corporations Committee at 8 a.m. MST on Jan. 22, 2013. SF 59 states:... Read more

Hawaii: Please Provide Feedback on HB 40, Mandatory Electronic Reporting of Liability Insurance Status

January 21, 2013 Hawaii’s state Legislature convened on Jan. 16, and a bill of interest to insurance carriers was introduced right away. The session will adjourn on May 2, 2013. HB 40 establishes a time table for insurers to set up their system for electronic reporting ... Read more

Virginia: Contact Senate to Oppose Accident Response Fees

January 18, 2013 SB 881 (Deeds) 1 “Allows localities to adopt ordinances to directly bill insurance companies on behalf of local volunteer fire/EMS departments for responding to emergency automobile accidents.” This measure is expected to be up for consideration in the ... Read more

Maryland: Contact House Committee Members Asking for 'No' Vote on Geographic Underwriting Bill

January 17, 2013 Resurging one of the most unfavorable of bills of 2012, Maryland has reintroduced restrictions on geographic underwriting in the form of Delegate Anthony O’Donnell’s HB 71. HB 71 alters “the requirements an insurer must meet before refusing to issue or ... Read more

Wyoming: Provide Feedback on HB 52, Workplace Safety Rate Discount and the House Minerals Committee Amendment

January 17, 2013 HB 52 amends current law on workers’ compensation rates and classifications to require the division to grant a discount to rates, not to exceed 10 percent of the base rate for the employment classification of the employer, if the employer complies with ... Read more

Colorado: Member Feedback Requested on HB 1025, Workers’ Compensation Deductible

January 16, 2013 Legislation has been introduced to increase the amount of the authorized deductible for workers’ compensation policies. The bill has been assigned to the House Business, Labor, Economic and Workplace Development Committee for consideration. A public hea... Read more

Contact Wyoming Senate Judiciary Committee to Voice SUPPORT FOR SF 70, Land Possessor Duty to Trespasser

January 15, 2013 Legislation to codify Wyoming’s common law on legal liability exposure for a land owner to a trespasser has been introduced and assigned to the Senate Judiciary Committee. SF 70 clarifies the common law doctrine that a land owner or possessor has no dut... Read more

Wyoming: Contact House Corporations Committee to Voice OPPOSITION TO HB 118, Mandatory Auto Accident Cleanup Liability Coverage

January 14, 2013 HB 118 , which mandates liability coverage for auto accident cleanup costs, is really just a “crash tax” bill repackaged and directed specifically at auto insurance consumers. The proposed legislation has been assigned to the House Corporations Committe... Read more

Wyoming: Contact Senate Transportation Committee to Voice SUPPORT FOR Electronic Proof of Insurance

January 14, 2013 An electronic proof of insurance bill designed to allow an operator of a motor vehicle to provide proof of insurance to a law enforcement officer via a mobile device has been introduced and assigned to the Senate Transportation Committee. SF 87 is an in... Read more

Wyoming: Contact House Corporations Committee to Voice SUPPORT FOR Residential Roofing Repairs Consumer Protection Bill

January 10, 2013 A residential roofing repair bill designed to protect consumers against “storm scammer” roofing repair practices has been introduced and assigned to the House Corporations Committee. HB 33 is a consumer protection bill that requires roofing repair contr... Read more

Questions for New York DFS on Compliance with Sandy Moratorium

November 9, 2012 New York’s Department of Financial Services asked our state trade partner, the New York Insurance Association, to coordinate pulling together any questions the national trades may receive from their members with respect to DFS’s moratorium on the termin... Read more

NAIC to Hold Public Hearing on Catastrophe Claims Issues

November 8, 2012 The Property and Casualty Insurance (C) Committee will hold a public hearing on catastrophe claims issues on Dec. 2 during the NAIC fall national meeting in Washington, D.C. According to the public hearing notice issued by the NAIC, the hearing will add... Read more

NAMIC, Senate Banking Committee Members Weigh-in on Fed’s New Capital Standards

October 23, 2012 NAMIC and members of the U.S. Senate have both voiced their opinion to the Federal Reserve that capital standards for savings and loan holding companies should reflect the differences between those associated with banks and those connected to insurance ... Read more

Comments Sought On Draft Salvage Legislation

October 15, 2012 The Texas Department of Motor Vehicles is seeking comments on draft legislation pertaining to salvage vehicle sales. NAMIC would like to hear your thoughts so we can advise DMV of the industry's position on this proposed legislation. You can review the ... Read more

Feedback on Proposed Changes to Auto Total Loss Claim Regulations

October 15, 2012 NAMIC and other industry representatives recently met with the Vermont Insurance Division to discuss possible changes to the regulation governing total loss settlements for automobiles. Vermont's unique interpretation on what constitutes "comparable" ve... Read more

Feedback on the Amended Proposed Regulation on the Use of Aftermarket Parts

October 12, 2012 The California Department of Insurance has issued a Notice of Proposed Action , proposing the adoption of regulations governing standards for auto body repair and the use of aftermarket parts. The proposed regulations amend Article 1 to be set forth in ... Read more

NAIC's Northeast Zone Cat Working Group Soliciting Feedback on Draft CAT Reporting Form

October 8, 2012 The NAIC's Northeast Zone's CAT Working Group has asked NAMIC and other industry groups for comments on this draft CAT Reporting Form. The draft draws upon the information Connecticut requires carriers to provide but augments it by seeking information b... Read more

Comments Requested on Proposed Rules That Will Affect Insurers Handling Vehicles After an Accident

September 17, 2012 The Texas Department of Licensing and Regulation formally published on Sept. 14 proposed changes to Chapter 85 of the vehicle storage regulations. In one of the changes, TDLR will now be able to assess fines against claims adjusters who are found to hav... Read more

Kansas: Insurance Department Proposes Rules on Credit-Based Insurance Scoring Notices, Claim Settlement Reports

September 13, 2012 The Kansas Insurance Department has proposed several regulations to be heard on Nov. 28 in Topeka. The regulations include a proposal to amend the current CBIS regulation to require that renewal notices contain a disclosure on the insured's right to be ... Read more

Iowa: Provide Comments to NAMIC on Bulletin Concerning Insurer Actions During Diasasters

June 20, 2012 NAMIC's state trade advocacy partner the Iowa Insurance Institute reports that the Iowa Insurance Division is seeking feedback on a draft bulletin titled "Insurance Companies' Duties in the Event of Declared Disasters or Emergencies." The bulletin conso... Read more

New Jersey: Contact Committee Members in Support of Antifraud Bill

June 15, 2012 NAMIC is urging members doing business in New Jersey to contact members of the Assembly Financial Institutions and Insurance Committee to urge them to vote in favor of antifraud legislation when they meet on Monday, June 18. The bill, Assembly Bill 944 ... Read more

Rhode Island: Urge Gov. Chafee to Veto Auto Repair Private Right of Action Bill

June 14, 2012 NAMIC is urging members doing business in Rhode Island to write to Gov. Lincoln Chafee to ask him to veto extremely adverse legislation that would further drive up the already high costs of repairing an automobile in Rhode Island. The bill, H-7782 Sub A... Read more

Contact Pennsylvania State Senate on Towing Measure

June 11, 2012 NAMIC is joining our friends at PAMIC this week in calling for passage of HB 1908 - Consumer Rights in Auto Towing and Storage. This measure has been unsuccessful for the last several years, stalling out in its bid in the Senate. The industry is doing g... Read more

Rhode Island: Contact House Members to Oppose Auto Body Private Right of Action

June 7, 2012 NAMIC is urging member companies doing business in Rhode Island to contact House members to urge them to oppose anti-consumer legislation that would among other things create a new private right of action for auto body shops for alleged violations of va... Read more

New York: Contact Policymakers to Support No-Fault Fraud Reform

June 5, 2012 NAMIC is urging member companies doing business in New York to contact Gov. Andrew Cuomo and state legislators in support of legislative reforms to the state's no-fault auto insurance system. NAMIC is a member of the Fraud Costs New York coalition that ... Read more

Send a Letter to the Financial Accounting Standards Board

May 11, 2012 The Financial Accounting Standards Board is currently working on a joint project with the International Accounting Standards Board to develop an accounting standard on insurance contracts. As you may be aware, the National Association of Insurance Commi... Read more

Michigan: Senate Passes NCOIL-based Insurance Scoring Model

May 2, 2012 Drawing closer to an end of a years-long battle over underwriting freedom, the Michigan Senate passed a package of bills that will institute the NCOIL model for credit-based insurance scoring. The vote comes after a long hiatus since passing the House. ... Read more

Act Now in Tennessee: Contact House Members Requesting a ‘Yes’ Vote on Insurance Contracts Bill

April 20, 2012 HB 2454/SB 2271 is now making its final steps before passage. In original form, the legislation was a certificates of insurance bill and is still categorized as such. However, the language has been completely replaced by an amendment and now addresses i... Read more

Washington: Feedback Needed on Alternative Approaches, Concepts, or Draft Language on Proposed Premium Capping/Rate Transition Regulation

April 19, 2012 NAMIC sent a member action alert April 11 requesting feedback on the Office of the Insurance Commissioner's proposed premium capping/rate transition regulation. Thanks to all those who provided me with written comments for the scheduled hearing. The OIC... Read more

Contact Colorado State House Committee on Local Government to Voice SUPPORT FOR SB 38, a Residential Roofing Repairs Consumer Protection Bill

April 19, 2012 A residential roofing repair bill, SB 38 , designed to protect consumers against roofing repair scams passed out of the Colorado Senate with amendments on a 28-6 vote. The bill has been assigned to House Committee on Local Government. SB 38 has recently... Read more

California: Contact Assembly Insurance Committee to Support AB 2406, Disclosure of Intervenors, and AB 1708, Proof of Insurance on Mobile Devices

April 17, 2012 The Assembly Insurance Committee will hold public hearings April 18 on AB 2406 , Disclosure of Intervenors, and AB 1708 , Proof of Insurance on Mobile Devices. Please contact members of the committee to express support for these two pro-insurance consum... Read more

Iowa: Insurance Division Circulates Draft Bulletin on Auto Repair Estimates - Feedback Requested

April 16, 2012 NAMIC's state trade advocacy partner the Iowa Insurance Institute reports that the Iowa Insurance Division is seeking feedback on a draft bulletin titled "Vehicle Repairs under Iowa Administrative Code 191.43(5)." The bulletin pertains to previous discu... Read more

Iowa: One Last Effort Needed to Push Storm-Scammer Bill Over Goal Line

April 16, 2012 NAMIC's state trade advocacy partners the Mutual Insurance Association of Iowa and the Iowa Insurance Institute report that grassroots by Iowa insurance stakeholders were the key to getting the Iowa Senate to pass SF 466, the bill to establish consumer-... Read more

NAMIC Requests Comments on Oregon Draft Bulletin on Total Loss Claims Cost

April 12, 2012 The Oregon Insurance Division yesterday disseminated a draft bulletin on Total Loss Claims Process - Oregon Revised Statute 742.554 and Oregon Administrative Rule 836-080-0240. Written comments are due by close of business on April 20, 2012. NAMIC, in c... Read more

Colorado: Comments Needed on Proposed Regulation, Penalties, Timelines for Inquiries, Document Requests

April 11, 2012 The Colorado Division of Insurance held a public hearing Feb. 1 on Proposed Regulation 1-1-8 , Penalties and Timelines for Division Inquiries and Document Requests. NAMIC submitted written comments on the proposed regulation, and the DOI revised its pro... Read more

Washington: Feedback Needed on Proposed Regulations on Personal Lines Premium Capping

April 11, 2012 The Washington Office of the Insurance Commissioner promulgated draft proposed regulations last year on personal lines premium capping, also known as rate stability rules. NAMIC and other members of the insurance industry previously expressed serious co... Read more

Iowa: Support Senate File 466 to Protect Consumers, Local Businesses From Storm Scammer Fraud

March 30, 2012 SF 466 establishes simple, straightforward requirements for post-disaster repair contracts. It is a solid, pro-consumer bill. WHAT WE ARE ASKING SF 466 is hung up in the Iowa Senate. Your voice is needed to make it a priority for the lawmakers. This req... Read more

Contact Minnesota House of Representatives to Urge 'Yes' Vote on Township Mutual Statute of Limitations Bill

March 30, 2012 Earlier this year the Minnesota Court of Appeals overturned a long-established reading of the state's lawsuit statute of limitations for township mutuals, increasing it from one to two years for lawsuits on homeowners policies. While this ruling is bein... Read more

Maryland House Geographic Underwriting Bill Moves

March 29, 2012 Despite assurances to the industry that HB 1383 would not move this session, the House Economic Matters Committee has suddenly brought it forward and voted it favorably. It will likely be reported out to the full House today. HB 1383 alters "the require... Read more

Contact Arizona State House - Vote 'NO' on Rental Car Subrogation and Direct legal Cause of Action Bill

March 28, 2012 After losing its first legislative battle , SB 1286, this session, the rental car lobby has recently launched a new legislative attack against insurance consumers, insurance companies, and tourists renting motor vehicles. The rental car lobby hijacked S... Read more

Maryland Anti-Free-Market, Anti-Bundling Measure Moving

March 27, 2012 HB 1105 , prohibiting an insurer from requiring the bundling of homeowners and auto insurance, has popped out of the House and is now slated for consideration in the Senate. The measure, while it does not prevent the offering of bundling services, restr... Read more

Tennessee: Commercial Bills to be Heard This Week

March 25, 2012 If you're a commercial carrier writing in Tennessee, this is a big week for you. Companion bills HB 3112 and SB 2596 are both scheduled to come up in committee or subcommittee this week. The companion measures exempt "certain insurers of commercial risk... Read more

Senate Floor Vote on Credit-based Insurance Scoring Soon; Contact Your Senator Asking for 'Yes' Vote

March 12, 2012 Drawing closer to the finish line, the Senate Insurance Committee passed a package of bills that will institute the NCOIL model for credit-based insurance scoring. The vote comes after a long hiatus since passing the House. The package, HB 4593 - 4596 ,... Read more

Oklahoma: Urge Your State Senator to Vote ‘Yes’ on SB 1780 to Ban Lawsuit Loansharking

March 7, 2012 As the public continues to learn about the litigation loan industry's negative impact on the public, lawmakers are taking proactive steps to crack down on these loans, which subject consumers to high interest rates and prevent the reasonable settlement ... Read more

Contact Arizona State House Banking and Insurance Committee to Ask Them to Vote NO on SB 1286, Rental Car Primary Liability Law

March 7, 2012 SB 1286, as amended, would fundamentally change current law that requires rental car companies to provide "primary" liability coverage for their vehicles and the users of those vehicles, and would shift primary liability coverage responsibilities over t... Read more

Contact Ohio Senators to Ask Them to Pass Proposal to Bring Competition to Auto Salvage Market

March 6, 2012 NAMIC's state advocacy partner, the Ohio Insurance Institute, has sent an action alert encouraging insurance companies to contact their state senators to urge them to adopt SB 273 (Faber), legislation that will finally open Ohio's auto salvage market to... Read more

Contact Arizona State Senate Committee to Voice SUPPORT for Residential Roofing Repair Storm Scammer Legislation

March 2, 2012 A residential roofing repair bill, HB 2091, designed to protect consumers against roofing repair scams passed out of the Arizona House with a committee amendment and two floor amendments on a 56-2 vote, and has now been scheduled for a public hearing in... Read more

West Virginia: Act Now – Contact Senate Member About Trial Bar Measure

February 27, 2012 On its face, HB 4486 appears as just a disclosure requirement. Upon closer inspection though, it is a clear attempt by the trial bar to subvert the third-party bad faith reform achieved in West Virginia. The bill requires an insurer to make a statement ... Read more

Contact Arizona State Senate to Ask Them to Vote NO on SB 1286, Rental Car Primary Liability Law

February 23, 2012 SB 1286, as amended would fundamentally change current law that requires rental car companies to provide "primary" liability coverage for their vehicles and the users of those vehicles, and would shift primary liability coverage responsibilities over to... Read more

Contact Colorado State House Transportation Committee Members to Voice OPPOSITION to HB 1051, Salvage Vehicles

February 14, 2012 Your Help is Needed to 'Tip the Scales' in House Transportation Committee So We Can Defeat HB 1051! HB 1051 was heard in committee Feb. 9, but the House Transportation Committee laid over a vote on the bill until tomorrow. NAMIC needs its members to con... Read more

Contact Arizona State Senate Committee on Banking and Insurance to Voice OPPOSITION to SB 1413, Property Insurance Proximate Cause

February 13, 2012 YOUR HELP IS NEEDED to fight off a serious legislative threat to an insurer’s contractual right to deny coverage for “excluded peril” claims that may somehow be tenuously connected to a “covered peril” claim. SB 1413 states, “If the proximate cause of a... Read more

Contact Arizona State Senate Committee on Banking and Insurance to Voice OPPOSITION to SB 1413, Property Insurance Proximate Cause

February 10, 2012 SB 1413 is a direct attack upon the established legal doctrine and standard contractual insurance provision on “anti-concurrent causation” that expressly prevents application of the third-party liability tort doctrine of “concurrent causation” (proximat... Read more

Contact Washington State Senate to Voice OPPOSITION to SB 5054, Protective Orders

February 10, 2012 SB 5054 is a direct attack upon the established legal doctrine of protective orders sought by a party in litigation to prevent the unnecessary disclosure of trade secrets and proprietary information during the discovery process and after the trial has c... Read more

Contact Kentucky House Committee, Asking for a NO Vote on Presumptive Condition Bill

February 9, 2012 The Labor &amp; Industry Committee passed a substitute version of HB 326 today, propelling forward the notion that firefighters employed for five years or more who develop cancer should have workers' compensation coverage for their disease. The new lang... Read more

Contact Colorado State House Local Government Committee Members to Voice OPPOSITION to HB 1057, Homeowner's Insurance Policies

February 6, 2012 A serious legislative threat to insurance consumer choice, insurance fraud prevention, and fundamental homeowner's insurance underwriting principles is at hand, and your immediate grassroots advocacy assistance is needed! HB 1057 has the following requi... Read more

Contact Colorado State House Transportation Committee Members to Voice OPPOSITION to HB 1098, Salvage Vehicle Sales

February 6, 2012 HB 1098 would place severe limitations on who may lawfully purchase a salvage vehicle by mandating that a buyer must be a "Salvage Vehicle Dealer." The proposed legislation would also impose an unnecessary disclosure on all salvage vehicle titles that i... Read more

Contact Members of the South Carolina House Insurance Subcommittee (of the House Labor, Commerce, and Industry Committee) to Voice OPPOSITION to HB 4268, an “Anti-Steering” Bill Regarding Auto Insurer

January 30, 2012 HB 4268 would make it an unfair trade practice per South Carolina code section 38-77-341 to require an insured with a comprehensive or collision claim to utilize a particular rental vehicle company, rental vehicle company location, or a vendor engaged i... Read more

Contact members of the Arizona State Senate Committee on Banking and Insurance to Voice OPPOSITION to SB 1286, Rental Car Secondary Liability

January 30, 2012 SB 1286 would change current state law that requires rental car companies to provide primary liability coverage for their vehicles and would shift primary liability coverage to the rental car operator’s own personal motor vehicle insurance coverage. NAM... Read more

Washington: Contact Members of State Senate Committee on Financial Institutions and Housing & Insurance to Voice OPPOSITION to Insurance Premium Tax Credit Repeal

January 27, 2012 SB 6299 would repeal RCW 48.32.145 that allows insurers that have paid one or more assessments to the Washington Insurance Guaranty Association to offset their premium tax obligation by the approved premium tax credit for their payment to the WIGA. The ... Read more

Contact Colorado State House Transportation Committee Members to Voice OPPOSITION to HB 1051, Salvage Vehicles

January 26, 2012 HB 1051 would require that vehicles six years or older that are involved in an accident or incident where the damages to the vehicle exceed the fair market value of the vehicle be designated as a “salvage vehicles” for state automobile title purposes. N... Read more

Contact Colorado State House Economic and Business Development Committee Members to Voice SUPPORT for Workers’ Compensation Audit Compliance Fines Reform Legislation

January 17, 2012 The Colorado House Economic and Business Development Committee will hear HB 1033 , Concerning Conditions on the Authority of the Director of the Division of Workers’ Compensation to Impose Administrative Fines as a Result of Compliance Audits Finding In... Read more

Indiana: Litigation Loan Vote Delayed; Contact State Senate Committee Members to Voice Opposition

January 10, 2012 The Indiana Senate Corrections, Criminal and Civil Matters Committee did not vote today on SB 5 Consumer Legal Funding of Lawsuits, which would legitimize litigation loans in the state. While a hearing was held on the bill, time ran out before oppositio... Read more

Contact Indiana State Senate Committee Members to Voice Opposition to Litigation Loan Legislation

January 5, 2012 The Indiana Senate Corrections, Criminal and Civil Matters Committee will hear on Jan. 10 SB 5 , Consumer Legal Funding of Lawsuits, which would legitimize litigation loans in the state. The bill, if passed, will establish a procedure by which a company... Read more

New Side Tests of Large Luxury Cars: Luxury Doesn’t Always Buy Safety

August 17, 2007 ARLINGTON, VA — Three of six large car models earn the top rating of good, but one is marginal in side impact crash tests conducted by the Insurance Institute for Highway Safety. Results show a range of performance in how well large cars are designed to... Read more