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RateModernizationAtthestatelevelNAMICx19stopagendaprioritywastheadoptionox1fmodernizationlawsthatcreaterateapprovalstandardslessrestrictivethanpriorapproval.NAMICx19sstateax1fx1fairsmanagerswereinstateax1fterstateheraldingthebenex1tsox1fratemodernizationandeducatinglegislatorsonthelogicox1fopeningupmarkets.Wewereencouragedtoseeagrowingnumberox1flawmakersacrossthecountryrecognizethattheirconstituentstrulybenex1twhentheregulatorysystemmovesawayx1fromrestrictiveratingpracticesandadoptsamorecompetitiveapproachthatpromotesmorecompetitionandbetterpricingox1fproductsinthemarketplace.Fourstatespassedsignix1cantmodernizationlegislationthisyear.Tennesseepasseda15percentfex-bandbasedontheNCOILmodelConnecticutreauthorizeditsfex-bandlawx1fortwoyearsFloridaadoptedacommerciallinesmodernizationbillandTexaspassedlegislationclarix1fyingandstreamliningtherateapprovalprocessx1forhomeownersinsurance.TheNAMICStateAx1fx1fairsteamassistedstatetradepartnersandindustrycolleaguestopasseachproposal.Butourjobisnotdonewewillcontinuetoworktowardratemodernizationthroughoutthecountry.UnderwritingFreedomAslegislaturesaroundthecountrywerewrappinguptheirsessionsNAMICcountednolessthan38billsintroducedin19statestobanorseverelyrestricttheuseox1fcredit-basedinsurancescoring.WhileNevadagaveusagoodx1ghtnobillswerepassedbanningorsignix1cantlyrestrictingtheuseox1fthisunderwritingtool.Throughoutthecourseox1ftheyearNAMICworkeddiligentlytoensurethatthesebillsdidnotmaketheirwayintothelawbooksbytestix1fyingbex1forelegislativecommitteessubmittingwrittentestimonyandinvestinginThesTaTesmuchtimeeducatinglegislatorsaboutthepro-consumereectsothiswell-establishedunderwritingandratingtool.CivilJusticeReormCiviljusticereormhasbeenakeyplankinNAMICx19sNationalStateLegislativeAgendaorseveralyearsandeachlegislativeseasonwereadyourselvestodobattleagainstourperennialandormidableopponentx13plaintisx19attorneys.Thetrialbarisapublicpolicybrutewiththemoneytobackitup.Acrossthecountrytrialattorneyassociationscontinuedtopursueanti-civil-justicereorminitiativesthatwoulderodetortlawsprovidingthemanunairadvantage.BecauseoNAMICx19sworkbehindthescenesfvestatespassedsignifcantreormstotheirtortsystemsin2011.Kansasadoptedx1cNoPayNoPlayx1dOklahomaadoptedaproposalcappingnon-economicdamagesat350000andabilleliminatingjointandseveralliabilitySouthCarolinaplacedlimitsonpunitivedamagesTexasenactedx1cLoserPaysx1dlegislationandWisconsinreversedthetrial-bar-sponsoredminimumautoinsuranceliabilitylimitsthatwereenactedtheyearbeore.NaturalDisasterandCoastalIssuesItheseissueswerenx19tenoughNAMICx19sstateaairsstamembersalsooundthemselvesworkingwithGulCoastandEasternseaboardlegislaturesoncatastropheandnaturaldisasterlegislation.AnumberostatesdebatedandenactedlegislationinrecentyearsimposingcertainrestrictionsoninsurersinthewakeoHurricaneKatrinaandotherstorms.NAMICcontinuedin2011toopposeeortsthatplaceunairburdensoninsurers.Wealsocontinuedtopromoteproposalsbasedon8