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actuariallysoundratingandlossmitigation.ThisyearAlabamaestablishedthex1cStrengthenAlabamaHomesx1dprogramtoaidhomeownersinretrofttingpropertiestoresistlossesduetowindstormevents.AndinTexastheLegislatureadoptedimportantreormsthatrestrictlitigationagainsttheTexasWindstormAssociation.TheseissuesseemtonevergoawaybutNAMICandmembercompaniesacedotherchallengesthisyearx13thoseemergingtrendsthatcanalsoerodetheprinciplesoareeandopenbusinessenvironment.NAMIChasbeenfghtingtheimplementationoaccidentresponseeesallacrossAmericaorseveralyearsandwehavenx19tchangedourcourseodeensetheseeesareaormodoubletaxationthatareorcedonlyuponthoseresponsibledriverswhoollowthelawbycarryingautoinsurance.During2011cash-strappedmunicipalitiesinatleast34statesx13anincreaseoatleastsevenstatesromtheprioryearx13chargedaccidentresponseeesorwereconsideringordinancespermittingsuchees.Fortunatelypolicymakersin13statesunderstoodthatcitizensalreadypaytaxestocoverthecostsoemergencycalls.InourfghtagainstthisillogicalissueourstateaairsmanagersusedNAMICx19sIssueBrieonthetopicasaneducationalresourceorlegislatorsandthemedia.NAMICadvocatesorpoliciesthatenhancecompetitioninthemarketplaceandpromotingcompetitionisattheheartoourstrategyineverystateintheUnion.Unortunatelysectorsotheautorepairindustrydonx19tseeitthatwayandareintensiyingtheireortstopasslegislationthatwouldrestrictconsumeroptionsregardingautorepairwhilealsodeliberatelylimitinginormationinsurerscanmakeavailabletoconsumers.Thisaddsuptoimpairingtheabilityoconsumerstomakeinormeddecisionsonrepairingtheirvehicles.Inourviewsomeproposalsothisindustrymayinactimposeexcessiverestrictionsoninsurersx19constitutionallyprotectedcommercialreespeech.Throughout2011NAMICopposedallattemptstorestrictorseverelylimitaninsurerx19sabilitytorecommendanautobodyshoptoitspolicyholdersoranylawsthatwouldnotallowortheuseonon-original-equipmentparts.OntheregulatorylevelourregulatoryaairsstaengagedregulatorsattheNationalAssociationoInsuranceCommissionersonmanyimportantissuesincludingtheSolvencyModernizationInitiativeIImarketconductreormcompanyandproducerlicensingandmanyotherregulatoryproposals.NAMICx19sregulatoryteamchalkedupsignifcantvictoriesbylimitingtheimpactothenewORSAproposalandbysignifcantlyalteringanewcorporategovernanceinitiativeattheNAIC.NAMICstateaairsstaalsometwithmorethanadozennewcommissionersin2011.TheStateoftheStatesWebinarsWithnearly1000employeesoNAMICmembercompaniestuninginto10presentationsthispopularseriessetrecordparticipationlevelsin2011.January24AConversationwithNAICPresidentSusanE.VossFebruary28Credit-BasedInsuranceScoringUpdateMarch21PreviewoNAICSpringNationalMeetingApril25Third-PartyFinancingoLitigationWillStatesLegitimizeThisQuestionablePracticeMay23NCOILPresidentandLouisianaInsuranceCommissionerDiscussSurplusLinesReormJune20NAMICStafReviewoStateLegislativeSessionsAugust2HowWillSupremeCourtDecisionsonClassActionsAfecttheInsuranceIndustryOctober24No-FaultAutoInsuranceIsItTimeForReormNovember21InsuranceandSocialMediaLegalandRegulatoryRisksDecember19Previewo2012StateLegislativeSessionsStateotheStatewebinarsarearchivedatwww.namic.orgstatesosarchives.aspJoeThesingassistantvicepresidentx13StateandPolicyAfairsandLizReynoldsstateafairsmanagerSoutheastRegionparticipatedinTheFloridaChamberox1bCommerce5thAnnualInsuranceSummitNovember17-182011.NAMIC2011TheYearinReview9