{"id":675,"date":"2024-01-29T15:27:18","date_gmt":"2024-01-29T15:27:18","guid":{"rendered":"https:\/\/sites.ncleg.gov\/houseoversight\/?p=675"},"modified":"2025-02-03T14:30:36","modified_gmt":"2025-02-03T14:30:36","slug":"house-oversight-seeks-answers-department-of-insurance-couldnt-give","status":"publish","type":"post","link":"https:\/\/sites.ncleg.gov\/houseoversight\/2024\/01\/house-oversight-seeks-answers-department-of-insurance-couldnt-give\/","title":{"rendered":"House Oversight Seeks Answers Department of Insurance Couldn&#8217;t Give"},"content":{"rendered":"<figure class=\"wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"2048\" height=\"1366\" src=\"https:\/\/sites.ncleg.gov\/houseoversight\/wp-content\/uploads\/sites\/15\/2024\/01\/Hearing-use-this-one.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\/2024\/01\/Hearing-use-this-one.jpg 2048w, https:\/\/sites.ncleg.gov\/houseoversight\/wp-content\/uploads\/sites\/15\/2024\/01\/Hearing-use-this-one-300x200.jpg 300w, https:\/\/sites.ncleg.gov\/houseoversight\/wp-content\/uploads\/sites\/15\/2024\/01\/Hearing-use-this-one-1024x683.jpg 1024w, https:\/\/sites.ncleg.gov\/houseoversight\/wp-content\/uploads\/sites\/15\/2024\/01\/Hearing-use-this-one-768x512.jpg 768w, https:\/\/sites.ncleg.gov\/houseoversight\/wp-content\/uploads\/sites\/15\/2024\/01\/Hearing-use-this-one-1536x1025.jpg 1536w\" sizes=\"auto, (max-width: 2048px) 100vw, 2048px\" \/><\/figure>\n\n<div class=\"wp-block-post-date\"><time datetime=\"2024-01-29T15:27:18+00:00\">January 29, 2024<\/time><\/div>\n\n\n<p>Members of the House Oversight and Reform Committee will continue their attempt to get concrete answers from the Department of Insurance on the effectiveness of the North Carolina Reinsurance Facility (NCRF) in a hearing Tuesday, January 30, 2024, at 9 a.m.<\/p>\n\n\n\n<p>In December 2023, the committee questioned Insurance Commissioner Mike Causey about auto insurance rates and the costs versus benefits of the Facility. Causey was unable to provide tangible justification, so, the committee has invited NCRF executive director Joanna Bilouris to address those unanswered questions.<\/p>\n\n\n\n<p>The most prevailing question is: How does the NCRF contribute to the low rates that North Carolina drivers pay?<\/p>\n\n\n\n<p>North Carolina has among the lowest rates in the nation, but it also operates a reinsurance facility, one of only two states to operate its residual market in this way. Twenty-five percent of drivers are in the Facility. Legislators aim to determine what part the Facility plays in those low rates amidst other factors such as liability law and fewer uninsured drivers.<\/p>\n\n\n\n<p><strong>\u201cWe expected more from Commissioner Causey in our last hearing but were left unsatisfied,\u201d <\/strong>co-chair Rep. Jake Johnson said<strong>. \u201cWe anticipate Director Bilouris\u2019s answers to what we\u2019ve asked all along: \u2018do our citizens pay more than they should for auto insurance?\u2019 It\u2019s our duty as a committee to investigate the necessity of a government program that may not be financially or practically beneficial to our state.\u201d<\/strong><\/p>\n\n\n\n<p><strong>\u201cIt\u2019s really quite simple: show us evidence&nbsp;that having the Facility does what you say it does\u2014is the Facility the reason&nbsp;North Carolina&nbsp;has low auto insurance rates,\u201d <\/strong>co-chair Harry Warren said<strong>.&nbsp;\u201cWe can\u2019t just take their word for it.&nbsp;Provide the numbers. We are not the lowest in the country, and those that are, don\u2019t have a facility.\u201d<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Members of the House Oversight and Reform Committee will continue their attempt to get concrete answers from the Department of Insurance on the effectiveness of the North Carolina Reinsurance Facility (NCRF) in a hearing Tuesday, January 30, 2024, at 9 a.m. In December 2023, the committee questioned Insurance Commissioner Mike Causey about auto insurance rates [&hellip;]<\/p>\n","protected":false},"author":59,"featured_media":676,"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":[22,20,44,19,21,18,32],"class_list":["post-675","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized","tag-general-assembly","tag-house","tag-insurance","tag-johnson","tag-legislature","tag-oversight","tag-warren"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - 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