Over-regulation of automobile insurance: a lack of consumer choice : hearing before the Subcommittee on Oversight and Investigations of the Committee on Financial Services, U.S. House of Representatives, One Hundred Seventh Congress, first session, August 1, 2001, Volume 4
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Zeman Robert L Vice President and Assistant General Counsel National
Alliance of American Insurers prepared statement
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Ahart American Insurance American Insurance Association assigned risk Association of Insurance auto insurance rates automobile insurance automobile insurance market average benefits billion California Capuano carriers Chairwoman Kelly claims Clay competitive market consumer choice coverage Department of Insurance deregulation expenditure Federal Federal Insurance Administrator filing flex rating fraud hearing Illinois INDEPENDENT INSURERS Insurance Commissioners insurance companies insurance departments insurance policies insurance regulation issues Jersey and Massachusetts lawsuits loss costs mandated market conduct market share NAIC National Association no-fault number of insurers over-regulation percent personal auto insurance personal lines policyholders premiums prior approval private passenger problems profits Prop Proposition 103 Rate and Form rate regulation rate suppression rating law reduce regulatory system residual market Robert Hunter Schakowsky Snyder South Carolina Subcommittee on Oversight subsidize sumers territorial rate testimony Thank traffic density underwriting uninsured motorist verbal threshold voluntary market York Zeman zip codes