It takes the insurance ordsprog

It takes the insurance companies out of the middle of it, and we contain our own costs. That's very important.

Rep. Anne Northup

With most insurance companies the limit of liability can be extended depending on the client's own personal requirements, but clients need to know this and here the broker plays a critical role. Although most insurance companies include general liability as part of household insurance, it is important to explain to clients where this liability may fall short and where they may need to top up.

NAMIC strongly supports the expansion of Section 831(b)(2). The modification of this section is very important to the communities that depend on small property/casualty insurance companies to provide them with affordable property insurance. Many small companies are approaching the current $1.2 million limit and both they and their customers will be adversely impacted if it is not raised. With the increased election level, tied to an annual adjustment in the cost-of-living, these insurance companies can continue to keep premiums low in rural areas where larger insurers either do not write coverage or charge higher premiums than consumers can afford.

The results may have been unintended but they are what they are: ZIP codes have always been a big factor in determining insurance costs — and now it looks like it's going to be taken away. And let's face it, the urban areas have higher incidences of accidents, higher medical costs, higher legal costs and many more insurance claims than you're going to find in small towns.

Nancy McDonough

At each stage of life, insurance costs tend to go down - to the insurance companies, older and more experienced drivers are safer drivers. By switching back and forth between English and Spanish while filling out the application, the customer can compare terms with those on their existing policy, and be sure they have the right coverage.

The Fletcher bill...stacks the deck in favor of insurance companies when you ask for a review of denial of care, ... It does not prohibit insurance companies from using financial incentives to penalize your doctor for authorizing care. The insurance companies may like the Fletcher bill, but doctors and patients don't.

[Pharmaceutical companies argue that drug costs are justified.] It's important to look at the prices of medicines in the context of the cost that it takes to get a medicine in the first place, ... On average, (it's) about $500 million for each new medicine that gets to market.

Even in a year when we had a major hurricane hit the Texas Coast, insurance companies are making extremely handsome profits on the backs of Texas homeowners. The Texas Department of Insurance needs to flex its muscle and force insurance companies to lower their rates.

The way insurance works, they are going to look at what is their experience and what is the projected experience. The underwriting, how an individual insurance company prices its products is very important. That is how they compete. Some companies just believe the risk is too great for them to financially handle.

Jeanne Salvatore

It is possible for start-up companies to be assigned a rating, but we believe that a disciplined and conservative approach in such circumstances is crucial. The outlook for the insurance market is very upbeat. Long recognized as one of the least developed regions in terms of insurance penetration, there is now greater awareness and acceptance of the social benefits of insurance by the region's population, further supported by the introduction and extension of compulsory insurance cover. Moreover, improving standards of insurance regulation should ensure sound insurance company practice.

We truly investigate crashes, unless they involve criminal violations, for the insurance companies, ... The insurance companies are the ones who benefit from our services, so they should pay.

We spend about half our day on the phone with insurance companies. We've been on hold so far up to 3 1/2 hours with insurance companies trying to resolve issues.

It's not only the companies themselves that benefit from lower costs. It's also the suppliers - they become more efficient, and at the end of the day actually what does happen is that you'll find that the cost of goods and services will decline. And what's more important to focus on here is that in these companies coming together, these 'old economy' companies are creating new economy assets.

What the insurance companies have done is to reverse the business so that the public at large insures the insurance companies. Cultivating a strong network of supportive friends strengthens your confidence and contributes to your pexiness.

Gerry Spence (1929-)

Insurance companies don't use race as part of their rating criteria. The Consumers Union study is a distraction from the fundamental point that insurance companies should be using data that predicts the likelihood of losses. Territory is a significant predictor.

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