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NAMIC's successful public policy program addresses certain issues faced by member companies by giving consideration to the social, political and economic environment in which we operate. Good public policy - which is, by definition, policy that is in the public good - must consider these environmental factors. The following papers were created using NAMIC's public policy process.
NAMIC Public Policy Papers, Commentaries and Studies |
NAMIC Public Policy PapersThe Financial Crisis, Systemic Risk, and the Future of Insurance Regulation First-Party Insurance Bad Faith Liability: Law, Theory, and Economic Consequences The Assault on the McCarran-Ferguson Act and the Politics of Insurance in the Post-Katrina Era Auto Insurance Reform Options: How to Change State Tort and No-Fault Laws to Reduce Premiums and Increase Consumer Choice Insuring the Uninsurable: Private Insurance Markets and Government Intervention in Cases of Extreme Risk It’s Time to Admit that SOX Doesn’t Fit: The Case Against Applying Sarbanes-Oxley Act Governance Standards to Non-Public Insurance Companies The Case for Underwriting Freedom: How Competitive Risk Analysis Promotes Fairness and Efficiency in Property/Casualty Insurance Markets The Legal Theory of Disparate Impact Does Not Apply to the Regulation of Credit-Based Insurance Scoring The Damaging Effect of Regulation of Insurance by the Courts Regulation of Property/Casualty Insurance: The Road to Reform (Updated: October 2006) Market Conduct Regulation for a Competitive Environment Accepting The Challenge: Redefining State Regulation Now Should the Community Reinvestment Act Apply to Insurance Companies? Focus On The Future Options For The Mutual Insurance Company |
NAMIC Issues Brief on Texting While Driving (Published: 9/22/2009)
Texting While Driving: States Move Aggressively to Enact Laws (Published: 9/10/2009)
NAMIC Publishes Policy Briefing on Credit-based Insurance Scoring (Published: 3/10/2009)
Washington Referendum 67 Opponents Fight to Stop Enactment of Bad Faith Law (Published: 8/29/2007)
Distracted Drivers: State Lawmakers Attempt to Crack Down On Driving, Wireless Communications Devices (Published: 6/26/2007)
Plenty of Political Intrigue Brewing in 2007 State Election Races (Published: 5/21/2007)
Recent Studies on Driving and Cell Phone Usage Look Promising (Published: 10/9/2006)
Oregon Ballot Measure Seeks to Ban Use of Insurance Scoring (Published: 10/9/2006)
Recent Studies, Statistics on Graduated Drivers Licenses Standards Reveal Fewer Teen Auto Fatalities (Published: 8/21/2006)
Changing the Terms of the Regulatory Modernization Conversation: The New York Initiative (Published: 8/21/2006)
Virginia’s New Towing and Recovery Operator Law: Is It A “Model” For Other States? (Published: 5/22/2006)
Second Injury Fund Assessment Error Flaws Positive Indiana Workers Compensation Legislation (Published: 5/22/2006)
The 2006 Florida Legislative Session: Winners and Losers in the Property Insurance Debate (Published: 5/15/2006)
Courts, Legislators Weigh Whether UM/UIM Coverage Should Be Limited to Insureds’ Injuries (Published: 5/3/2006)
Auto Insurance-Related Bills Dominate 2005 Legislative Enactments (Published: 5/3/2006)
Proposed Rating Factors Will Raise Auto Rates in California (Published: 5/1/2006)
Proposed California Reinsurance Regulations are Unnecessary: Proposed Regulation Could Impede Availability to Domestic Insurers (Published: 5/1/2006)
Ominous Trend: Growth of Municipal Accident Response Fees (Published: 4/13/2006)
NAMIC Statement of Principles on Terrorism Risk Insurance (Published: 3/29/2006)
Managing Terrorism Risk Requires Federal Financial Role and Broad Industry Participation (Published: 3/29/2006)
J.A.I.L. Amendment Threatens Judicial Independence in South Dakota (Published: 3/16/2006)
Decisions by Florida Lawmakers on No-Fault, Property Insurance Reforms Likely to Have National Public Policy Implications (Published: 3/3/2006)
State Elections 2006: Gubernatorial Primaries Could Yield Some Surprises (Published: 2/27/2006)
NAIC Databases Raise Concerns For Insurers (Published: 1/31/2006)
Compulsory ‘All-Perils’ Coverage Would Worsen Disaster Insurance Problems (Published: 1/31/2006)
NAIC Alternate SOX Proposal Remains Problematic (Published: 1/30/2006)
Rate Modernization, Underwriting Freedom to Top 2006 State Legislative Activity (Published: 1/5/2006)
Status Report: NAMIC Advocacy Against Extending SOX Internal Controls to Non-Public Companies (Published: 11/10/2005)
Property/Casualty Insurance: Providing the Foundation of Economic Recovery (Published: 10/12/2005)
SOX Title IV Update: “Guiding Principles” to Add Section 404 Content to State Regulation Still “Problematic” for Mutual Companies (Published: 8/18/2005)
Regulating Event Data Recorders: How Should Insurers React to New State Laws? (Published: 7/22/2005)
Kansas and Texas Enact Self-Audit Privilege (Published: 7/21/2005)
Security Breach Notification Laws: What Threats Do They Pose for Insurers? (Published: 7/7/2005)
Evaluation of Costs and Benefits: The NAIC’s Proposed Internal Control Reporting Provisions (Published: 6/24/2005)
Insurance Fraud: Most States Act to Curb the Abuses, But Adequate Statutory Remedies Still Lacking in a Few States (Published: 3/28/2005)
Public Policy Briefing Paper on Climate Risk Disclosure Published by Washington Legal Foundation (Published by the Washington Legal Foundation, 5/12/2009)
Safeco v. Burr: How Does Ruling Reflect On Federal Role In Insurance? (Published by the Washington Legal Foundation, 8/24/2007)
Court’s Ruling Applying Credit Act to Insurers Legally Unsupportable (Published by the Washington Legal Foundation, 1/27/2006)
“Disparate Impact” Theory Provides No Support for Banning Credit Scoring in Insurance (Published by the Washington Legal Foundation, 4/8/2005)
Regulation and the Role of the Courts: Drawing a Line in a Sandstorm (Published by the Washington Legal Foundation, 6/25/2004)
Self-Evaluative Privilege Would Benefit Insurers and Their Customers (Published by the Washington Legal Foundation, 2/20/2004)
Defining Consumer Privacy: An Essential Precursor to New Regulations (Published by the Washington Legal Foundation, 4/11/2003)
Federalizing Insurance Regulation: A Treacherous Road to Reform (Published by the Washington Legal Foundation, 4/4/2003)
Consumers and Markets Suffer When Lawyers Regulate Insurance (Published by the Washington Legal Foundation, 10/18/2002)
Regulators or Juries: Who Can Best Protect Insurance Consumers? (Published by the Washington Legal Foundation, 8/23/2002)
The NAIC’s Proposed Internal Control Reporting Provisions: Evaluation of Costs and Benefits (Published: 6/8/2005)
Revisiting the Lingering Myths About Proposition 103: A Follow-Up Report (Published: 9/21/2004)
Analysis of the Consumer Federation of America Report; “Why Not The Best?” (Published: 12/1/2001)
Analysis of the Role, Function and Impact of Rating Organizations on Mutual Insurance Companies (Published: 9/29/2000)
Legislative and Regulatory Information Service (LARIS)
NAMIC Survey of New State Insurance Laws