{"id":594,"date":"2023-12-05T16:17:09","date_gmt":"2023-12-05T16:17:09","guid":{"rendered":"https:\/\/sites.ncleg.gov\/houseoversight\/?p=594"},"modified":"2023-12-05T16:17:50","modified_gmt":"2023-12-05T16:17:50","slug":"do-north-carolinians-pay-too-much-for-car-insurance-house-oversight-committee-to-examine-auto-insurance-mark","status":"publish","type":"post","link":"https:\/\/sites.ncleg.gov\/houseoversight\/2023\/12\/do-north-carolinians-pay-too-much-for-car-insurance-house-oversight-committee-to-examine-auto-insurance-mark\/","title":{"rendered":"Do North Carolinians Pay Too Much for Car Insurance? House Oversight Committee to Examine Auto Insurance Market"},"content":{"rendered":"<figure class=\"wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"2560\" height=\"1707\" src=\"https:\/\/sites.ncleg.gov\/houseoversight\/wp-content\/uploads\/sites\/15\/2023\/12\/Insurance-image-scaled.jpg\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"\" style=\"object-fit:cover;\" srcset=\"https:\/\/sites.ncleg.gov\/houseoversight\/wp-content\/uploads\/sites\/15\/2023\/12\/Insurance-image-scaled.jpg 2560w, https:\/\/sites.ncleg.gov\/houseoversight\/wp-content\/uploads\/sites\/15\/2023\/12\/Insurance-image-300x200.jpg 300w, https:\/\/sites.ncleg.gov\/houseoversight\/wp-content\/uploads\/sites\/15\/2023\/12\/Insurance-image-1024x683.jpg 1024w, https:\/\/sites.ncleg.gov\/houseoversight\/wp-content\/uploads\/sites\/15\/2023\/12\/Insurance-image-768x512.jpg 768w, https:\/\/sites.ncleg.gov\/houseoversight\/wp-content\/uploads\/sites\/15\/2023\/12\/Insurance-image-1536x1024.jpg 1536w, https:\/\/sites.ncleg.gov\/houseoversight\/wp-content\/uploads\/sites\/15\/2023\/12\/Insurance-image-2048x1365.jpg 2048w\" sizes=\"auto, (max-width: 2560px) 100vw, 2560px\" \/><\/figure>\n\n<div class=\"wp-block-post-date\"><time datetime=\"2023-12-05T16:17:09+00:00\">December 5, 2023<\/time><\/div>\n\n\n<p>Do North Carolina drivers pay more than they should for car insurance? Would a change in regulations lead to higher or lower rates?<\/p>\n\n\n\n<p>These are among the questions the House Oversight and Reform Committee will seek to answer December 11, 2023, at 1 p.m. in the Legislative Building Auditorium.<\/p>\n\n\n\n<p>The committee will hear testimony from Dr. Jonathan Murphy, assistant professor of economics at Nicholls State University in Thibodaux, Louisiana, and North Carolina Commissioner of Insurance Mike Causey.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"alignright size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"624\" height=\"432\" src=\"https:\/\/sites.ncleg.gov\/houseoversight\/wp-content\/uploads\/sites\/15\/2023\/12\/Murphy-and-Causey-mugs.png\" alt=\"\" class=\"wp-image-596\" style=\"aspect-ratio:1.4444444444444444;width:385px;height:auto\" srcset=\"https:\/\/sites.ncleg.gov\/houseoversight\/wp-content\/uploads\/sites\/15\/2023\/12\/Murphy-and-Causey-mugs.png 624w, https:\/\/sites.ncleg.gov\/houseoversight\/wp-content\/uploads\/sites\/15\/2023\/12\/Murphy-and-Causey-mugs-300x208.png 300w\" sizes=\"auto, (max-width: 624px) 100vw, 624px\" \/><figcaption class=\"wp-element-caption\">Dr. Jonathan Murphy, assistant professor at Nicholls State University, and North Carolina Insurance Commissioner Mike Causey will testify before the House Oversight and Reform Committee Monday, December 11, 2023.<\/figcaption><\/figure>\n<\/div>\n\n\n<p>The House Oversight and Reform Committee commissioned Murphy, a former Western Carolina University professor, to conduct a study of North Carolina\u2019s auto insurance regulations and residual market.<\/p>\n\n\n\n<p>The state\u2019s residual market\u2014the North Carolina Reinsurance Facility (NCRF)\u2014is a group of insurers required to cover high-risk drivers. Currently a quarter of drivers fall into this category, higher than any other state.<\/p>\n\n\n\n<p>Murphy will testify about North Carolina\u2019s market and the benefits of moving the state to an assigned-risk system where drivers are assessed, and premiums are calculated based on risk. Using similar reforms in South Carolina as an example, he predicts that if North Carolina implemented the move, premiums would fall for drivers at all risk levels over time.<\/p>\n\n\n\n<p>Causey will address his disagreements with Murphy\u2019s report, the specifics of North Carolina\u2019s insurance market, differences in insurance premiums across states, and other regulatory needs of the Department of Insurance.<\/p>\n\n\n\n<p>\u201cAuto insurance is an expense for anyone who drives,\u201d said co-chair Rep. Harry Warren. \u201cIf North Carolinians are paying more than they should because of the system we have, it is our responsibility to understand why and to examine alternatives.\u201d<\/p>\n\n\n\n<p>\u201cPrice distortions distort behavior,\u201d said co-chair Rep. Jake Johnson. \u201cIf a voluntary auto insurance market would create competitive premiums and promote safe driving, we owe it to our citizens to investigate such financial implications.\u201d<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Do North Carolina drivers pay more than they should for car insurance? Would a change in regulations lead to higher or lower rates? These are among the questions the House Oversight and Reform Committee will seek to answer December 11, 2023, at 1 p.m. in the Legislative Building Auditorium. The committee will hear testimony from [&hellip;]<\/p>\n","protected":false},"author":59,"featured_media":598,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_FSMCFIC_featured_image_caption":"","_FSMCFIC_featured_image_nocaption":"","_FSMCFIC_featured_image_hide":"","footnotes":""},"categories":[1],"tags":[43,22,20,19,21,18,32],"class_list":["post-594","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized","tag-auto-insurance","tag-general-assembly","tag-house","tag-johnson","tag-legislature","tag-oversight","tag-warren"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\r\n<title>Do North Carolinians Pay Too Much for Car Insurance? 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