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  • Should N.C. insurers set own auto rates? NO

    Published: Sunday, June 30, 2013 by The Charlotte Observer
    For years, big out-of-state insurance companies have fought to change the way we regulate car insurance in North Carolina. After another failed attempt in the legislature in April, they’re at it again. Their persistence is driven by one thing. Greed. To put it simply, they see an opportunity to make more money off of N.C. drivers. Their lobbyists have descended on the legislature in a desperate effort to amend Senate Bill 180. The amendment would allow them to bypass the cap on rates that is set by the state and file for unlimited rate increases whenever they want. The cost of car insurance will inevitably go up for drivers across the state. But they won’t tell you that.

  • No need to rewrite car-insurance law

    Published: Monday, June 24, 2013 by the Winston-Salem Journal
    There’s an old saying at the legislature: “If it ain’t broke, don’t fix it.” That wisdom is lost on the legislators who keep pushing a rewrite of state insur-ance law. They’re being prodded by a coalition of insurance companies that want less regulation of the state’s auto-insurance market. Our free-enterprise General Assembly is sympathetic to arguments about reducing the costs of state government and getting government out of the way of business. So the efforts by the insurance companies got a fair hearing earlier this session.

  • Insurers look, again, to pad bottom line

    Published: Wednesday, June 19, 2013 by The Charlotte Observer
    A new study by finds that North Carolina has the third-cheapest car insurance in the nation, higher than only Maine and Iowa. North Carolina’s average rates are just 40 percent of those in the highest state, Louisiana. North Carolina’s drivers could zoom up the rankings in a hurry, though, if a coalition of insurance companies gets its way with the legislature. A group of insurers that includes State Farm, Allstate and Geico wants to change the way car insurance rates are set in this state. Get a tight grip on your wallets. This coalition – which goes by the name FAIR NC – is nothing if not persistent. It has been pushing similar changes for years.

  • Kill It - Special interests revive bad insurance reform

    Published: June 20, 2013 by The Fayetteville Observer
    Midnight Madness is early this year. It happens every year in Raleigh as the clock runs down on a legislative session and lawmakers rush to get the work done and go home. Often under cover of wee-hour darkness, mischief inevitably occurs. Usually, it's a sneak attack, a dramatic change in a bill that turns it into a gift to one special interest or another. So it is with Senate Bill 180, a tweak in car-insurance regulations that would allow insurers to offer special discount programs to North Carolina drivers.

  • Amendment to NC auto insurance bill rekindles industry feud

    Published: June 18, 2013 by The News & Observer
    The internal feud among North Carolina’s insurance carriers over the way the state regulates auto insurance rates continues to bubble up in the halls and back rooms of the state legislature. FAIR NC, a coalition of insurance companies that this spring failed to win passage of a bill that would have remade the state’s regulatory system, hasn’t given up the fight. Now the coalition, which includes such companies as State Farm, Allstate and Geico, is seeking to amend a heretofore noncontroversial auto insurance bill that was unanimously approved by the Senate in April.

  • Bill giving insurers ability to raise rates, offer discounts fails in committee

    Posted April 16, 2013 on
    Raleigh, N.C. — A bill that opponents, including local car insurers and North Carolina's insurance commissioner, said would raise car insurance rates on most drivers failed in committee Tuesday.Voting 18-11, the House Insurance Committee rebuffed a measure sought by national insurance companies such as State Farm, Geico and USAA.

  • Driving costs expected to be down this year

    Published on April 30, 2013 in The Herald-Sun
    DURHAM —North Carolina drivers are expected to pay lower annual driving costs this year due to falling gas prices, lower insurance costs and improved fuel economy, according to AAA Carolinas. The not-for-profit automobile association affiliate said in a news release Tuesday the owner of an average sedan in the state is expected to pay $9,362 in 2013 to drive based on current prices. That’s compared to $10,558 last year. The total includes insurance, maintenance, gasoline, tires, taxes, registration, depreciation and finance charges. The estimate was based on motorists driving 15,000 miles a year.

  • NC auto insurance overhaul proposal defeated

    Posted: April 17, 2013 by Gary D. Robertson in
    RALEIGH, N.C. (AP) — Legislation to overhaul North Carolina's automobile insurance system was rejected Tuesday by a House committee after Insurance Commissioner Wayne Goodwin and other speakers argued it would raise premiums for everyone. The House Insurance Committee turned down a motion to recommend the measure to the full House by a vote of 18-11.

  • Amended NC auto insurance bill still faces opposition

    Published: April 10, 2013 by The News & Observer
    A controversial bill that would overhaul the state’s regulation of auto insurance rates has been modified in response to objections raised by opponents. But the changes, unveiled Tuesday in a legislative committee meeting, failed to win over opponents of the bill, including Insurance Commissioner Wayne Goodwin.

  • The most and least expensive states for car insurance in 2013

    Posted: Mar. 14, 2013 by
    Louisiana is No. 1 -- but not in a desirable way. It has the highest average car insurance rates in the nation, followed by Michigan and Georgia, according to's annual state-by-state comparison of insurance premiums. Maine enjoys the least expensive car insurance rates, followed by Iowa. Louisiana and Michigan have held one of the top three positions since

  • Drivers of this bill? Not N.C. drivers

    Posted: Mar. 05, 2013 by The Charlotte Observer
    There’s a lot to like about the unique way car insurance rates are set in North Carolina. The state has the lowest rates in the South, and the seventh-lowest in the nation. That could change quickly under a proposal the legislature is considering.Here’s how it works now: Car insurance companies have to agree to an industry-wide rate increase (or decrease) each year with the N.C. Rate Bureau. The publicly elected insurance commissioner reviews that request, decides whether it’s justified...

  • Proposed changes to car insurance law could end up costing drivers more

    Published: Mar. 16, 2013 by the Wilmington StarNews
    North Carolina drivers already enjoy some of the lowest automobile insurance rates in the country. A group of lawmakers say their bill will save consumers money, but that claim may be very misleading if experience in other states is any indication. The promise sounds appealing – reduce auto insurance regulations so that insurers can offer good drivers the very best deals on insurance...

  • Apodaca has a better idea on auto insurance

    Posted: Mar. 10, 2013 by the Asheville Citizen-Times
    Finally, someone has proposed changes to North Carolina’s auto insurance system that might actually benefit drivers and not just insurers. North Carolina has a model system for two reasons. First, proposed rate changes must be industrywide and can be challenged by the Department of Insurance. Insurers can charge less than the rate set by law but not more. Second, a reinsurance pool assures...

  • White: Take a peek inside insurance bill

    Published: Mar. 10, 2013 by The Fayetteville Observer
    'Laws are like sausages," Otto von Bismarck said. "It's better not to see them being made." Too many of us take the great German statesman's advice. I suspect he gave it to keep the public's eyes out of his own political machinations. It doesn't serve anyone but the politicians who are making the sausage. As ugly as the view can be, we need to be political junkies to some degree, because we need to know what our elected representatives are up to. Too often, they're up to no good...

  • Goodwin the best insurance for NC drivers

    Published: Mar. 8, 2013 by The News & Observer
    When Wayne Goodwin warns that legislators and some in the insurance industry may be up to something, it’s fairly safe to assume that...they may be up to something. So let’s hope all these pro-business Republicans in the General Assembly understand that if they should act in a way that has North Carolina consumers paying more for auto insurance, and facing more rate increases in a revised system with few checks and balances, the voters may decide to be not so...

  • Insurance Proposal Hardly a 'Reform'

    Published: Mar. 8, 2013 by The Pilot
    Former state Sen. Patrick Ballantine says he just wants to give the drivers of North Carolina "the benefits of competition." Bless his heart. But before you get too carried away in praising Mr. Ballantine's generosity, remember who he works for now. He's one of 27 lobbyists in Raleigh who represent 14 insurance companies and associations that are seeking a fundamental change in the way North Carolina regulates, or doesn't regulate, auto insurance. And you can be pretty sure that...

  • Insurance 'reform' has high stakes

    Published: Mar. 05, 2013 by the Asheville Citizen-Times
    One good way to tell how much is at stake in any issue before the N.C. General Assembly is to count the number of lobbyists working on it. By that standard, an awful lot is involved in the fight over the state’s auto insurance system.Under the existing system, insurers must propose industrywide rate changes that can be challenged by the Insurance Department. Rates in North Carolina are the lowest in the South and among the lowest in the nation. Average premiums have fallen 3 percent since...

  • Driven - Does Meredith bill help consumers or insurers?

    Published: Mar. 03, 2013 by The Fayetteville Observer
    Wesley Meredith says his insurance-reform legislation is good for us. "North Carolina drivers will benefit from a more competitive, free-market system that reduces bureaucracy and eliminates unnecessary costs," he says.Yeah, right, says Insurance Commissioner Wayne Goodwin, "The bill will have a devastating effect on North Carolina drivers." Goodwin says the reform measure sponsored by the state senator from Fayetteville would allow rate increases of up to 12 percent a year without any regulatory...

  • “NC insurance rules don't need fixing”

    Published: Jan. 1, 2013 by the Asheville Citizen-Times
    Let’s see if we have this right. North Carolina has either the eighth-lowest or fifth-lowest auto insurance rates in the nation, depending on which survey you use. Average premiums have fallen 3 percent since 2006. Even so, the business is profitable for insurers. Therefore, according to several major insurers, the system must be changed to...

  • Additional Newspaper Editorials

    A listing of additional statewide newspaper editorials opposing the dismantling of North Carolina’s system of competitive, low-cost auto insurance.

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