{"id":684,"date":"2024-02-01T18:29:29","date_gmt":"2024-02-01T18:29:29","guid":{"rendered":"https:\/\/sites.ncleg.gov\/houseoversight\/?p=684"},"modified":"2024-02-01T20:43:30","modified_gmt":"2024-02-01T20:43:30","slug":"reforms-could-shrink-the-reinsurance-facility-and-save-most-drivers-money","status":"publish","type":"post","link":"https:\/\/sites.ncleg.gov\/houseoversight\/2024\/02\/reforms-could-shrink-the-reinsurance-facility-and-save-most-drivers-money\/","title":{"rendered":"Targeted Reforms Could Shrink the Reinsurance Facility and Save Most Drivers Money"},"content":{"rendered":"<figure class=\"wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"320\" height=\"270\" src=\"https:\/\/sites.ncleg.gov\/houseoversight\/wp-content\/uploads\/sites\/15\/2024\/02\/Biliouris-Warren-pre-1.jpg\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"North Carolina Reinsurance Facility Executive Director Joanna Biliouris talks with House Oversight and Reform Committee co-chair Rep. Harry Warren, Tuesday, January 30, 2024.\" style=\"object-fit:cover;\" srcset=\"https:\/\/sites.ncleg.gov\/houseoversight\/wp-content\/uploads\/sites\/15\/2024\/02\/Biliouris-Warren-pre-1.jpg 320w, https:\/\/sites.ncleg.gov\/houseoversight\/wp-content\/uploads\/sites\/15\/2024\/02\/Biliouris-Warren-pre-1-300x253.jpg 300w\" sizes=\"auto, (max-width: 320px) 100vw, 320px\" \/><\/figure>\n\n<div class=\"wp-block-post-date\"><time datetime=\"2024-02-01T18:29:29+00:00\">February 1, 2024<\/time><\/div>\n\n\n<p>Members of the House Oversight and Reform Committee gained a clearer understanding of the North Carolina Reinsurance Facility Tuesday, January 30.<\/p>\n\n\n\n<p>Executive Director Joanna Biliouris explained that the Facility exists because drivers are required to purchase liability insurance, insurers cannot set rates entirely based on the risk of a specific policy, and the rates that are allowed are too low for companies to provide that insurance to everyone. In short, the Facility does what it was created by statute to do. but that the Facility can\u2019t quantify its own value. Legislators also learned that the Facility operates as it does due to how the insurance commissioner sets auto liability rates.<\/p>\n\n\n\n<p>The cost of the Facility in the year ending June 30,2023, was $360 million in surcharges on every auto liability policy written in North Carolina, but the value is harder to quantify. Biliouris said, \u201cThe Facility cannot be credited with North Carolina having such low liability rates, but North Carolina\u2019s low liability rates can be attributed to the Facility being a part of the state\u2019s regulatory and statutory landscape.\u201d<\/p>\n\n\n\n<p>Ads tout that customers can purchase insurance priced to their driving habits. However, in North Carolina that is not the case: all drivers pay 9.8% higher premiums through a surcharge to cover riskier drivers in the Reinsurance Facility. Biliouris told the committee that the Facility covers 28% of premiums and 20% of policies. Even policies in the Facility pay the surcharge, which means many of them could be cheaper if an increase in premiums led to a larger reduction in the surcharge. &nbsp;<\/p>\n\n\n\n<p>Fully 78% of vehicles in the Reinsurance Facility are \u201cclean risks,\u201d meaning the associated drivers have no points on their driving record but have other factors, such as speeding tickets, accidents, or inexperience behind the wheel that make them more likely have a claim.<\/p>\n\n\n\n<p>Legislators focused on ways to improve the broader market and reduce the need for the Reinsurance Facility. &nbsp;<\/p>\n\n\n\n<blockquote class=\"wp-block-quote has-text-align-right is-layout-flow wp-block-quote-is-layout-flow\">\n<p>&#8220;I\u2019m hoping we can do some things to accelerate this transition <br>and get it moving faster.&#8221;<\/p>\n<cite>Rep. Jake Johnson<\/cite><\/blockquote>\n\n\n\n<p>Representative George Cleveland (R-Onslow) asked, \u201cCan the Facility do its function as provided by law if clean risks were not allowed?\u201d<\/p>\n\n\n\n<p>\u201cIf there was more flexibility in the rates that companies could charge [in the voluntary market], they would likely not send that risk to the Facility.\u201d Biliouris acknowledged. \u201cIf the Facility was able to determine the rates for any risk that came in,\u201d it could. Such changes could result in lower premiums and surcharges for most drivers.<\/p>\n\n\n\n<p>\u201cI see a recurring problem, and that is that I believe insurance rates are insufficient,\u201d Rep. Allen Chesser (R-Nash) said. \u201cIs it a bigger problem that inadequate rates have been approved?\u201d<\/p>\n\n\n\n<p>\u201cThe drivers that are ceded to the Facility are primarily ceded because it was too much risk for the company to take on for not enough price,\u201d Biliouris said.<\/p>\n\n\n\n<p>Biliouris agreed with co-chair Harry Warren (R-Rowan), \u201cIf rates were raised\u2026there would be a reduction in the number of policies ceded.\u201d<\/p>\n\n\n\n<p>Co-chair Rep. Jake Johnson (R-Polk) concluded that he saw a need for reform: \u201cI\u2019m hoping we can do some things to accelerate this transition and get it moving faster.\u201d<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Members of the House Oversight and Reform Committee gained a clearer understanding of the North Carolina Reinsurance Facility Tuesday, January 30. Executive Director Joanna Biliouris explained that the Facility exists because drivers are required to purchase liability insurance, insurers cannot set rates entirely based on the risk of a specific policy, and the rates that [&hellip;]<\/p>\n","protected":false},"author":59,"featured_media":689,"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":[22,20,19,21,18,55,32],"class_list":["post-684","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized","tag-general-assembly","tag-house","tag-johnson","tag-legislature","tag-oversight","tag-reinsurance","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>Targeted Reforms Could Shrink the Reinsurance Facility and Save Most Drivers Money - House Oversight and Reform Committee<\/title>\r\n<meta name=\"description\" content=\"Members of the House Oversight and Reform Committee gained a clearer understanding of the North Carolina Reinsurance Facility.\" \/>\r\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\r\n<link rel=\"canonical\" href=\"https:\/\/sites.ncleg.gov\/houseoversight\/2024\/02\/reforms-could-shrink-the-reinsurance-facility-and-save-most-drivers-money\/\" \/>\r\n<meta property=\"og:locale\" content=\"en_US\" \/>\r\n<meta property=\"og:type\" content=\"article\" \/>\r\n<meta property=\"og:title\" content=\"Targeted Reforms Could Shrink the Reinsurance Facility and Save Most Drivers Money - House Oversight and Reform Committee\" \/>\r\n<meta property=\"og:description\" content=\"Members of the House Oversight and Reform Committee gained a clearer understanding of the North Carolina Reinsurance Facility.\" \/>\r\n<meta property=\"og:url\" content=\"https:\/\/sites.ncleg.gov\/houseoversight\/2024\/02\/reforms-could-shrink-the-reinsurance-facility-and-save-most-drivers-money\/\" \/>\r\n<meta property=\"og:site_name\" content=\"House Oversight and Reform Committee\" \/>\r\n<meta property=\"article:published_time\" content=\"2024-02-01T18:29:29+00:00\" \/>\r\n<meta property=\"article:modified_time\" content=\"2024-02-01T20:43:30+00:00\" \/>\r\n<meta property=\"og:image\" content=\"https:\/\/sites.ncleg.gov\/houseoversight\/wp-content\/uploads\/sites\/15\/2024\/02\/Biliouris-Warren-pre-1.jpg\" \/>\r\n\t<meta property=\"og:image:width\" content=\"320\" \/>\r\n\t<meta property=\"og:image:height\" content=\"270\" \/>\r\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\r\n<meta name=\"author\" content=\"marymoorefield\" \/>\r\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\r\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"marymoorefield\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\r\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/sites.ncleg.gov\/houseoversight\/2024\/02\/reforms-could-shrink-the-reinsurance-facility-and-save-most-drivers-money\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/sites.ncleg.gov\/houseoversight\/2024\/02\/reforms-could-shrink-the-reinsurance-facility-and-save-most-drivers-money\/\"},\"author\":{\"name\":\"marymoorefield\",\"@id\":\"https:\/\/sites.ncleg.gov\/houseoversight\/#\/schema\/person\/a8b3abc4ef4f8bd5a4004670dc83797c\"},\"headline\":\"Targeted Reforms Could Shrink the Reinsurance Facility and Save Most Drivers Money\",\"datePublished\":\"2024-02-01T18:29:29+00:00\",\"dateModified\":\"2024-02-01T20:43:30+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/sites.ncleg.gov\/houseoversight\/2024\/02\/reforms-could-shrink-the-reinsurance-facility-and-save-most-drivers-money\/\"},\"wordCount\":542,\"commentCount\":0,\"image\":{\"@id\":\"https:\/\/sites.ncleg.gov\/houseoversight\/2024\/02\/reforms-could-shrink-the-reinsurance-facility-and-save-most-drivers-money\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/sites.ncleg.gov\/houseoversight\/wp-content\/uploads\/sites\/15\/2024\/02\/Biliouris-Warren-pre-1.jpg\",\"keywords\":[\"General Assembly\",\"House\",\"Johnson\",\"Legislature\",\"Oversight\",\"Reinsurance\",\"Warren\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/sites.ncleg.gov\/houseoversight\/2024\/02\/reforms-could-shrink-the-reinsurance-facility-and-save-most-drivers-money\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/sites.ncleg.gov\/houseoversight\/2024\/02\/reforms-could-shrink-the-reinsurance-facility-and-save-most-drivers-money\/\",\"url\":\"https:\/\/sites.ncleg.gov\/houseoversight\/2024\/02\/reforms-could-shrink-the-reinsurance-facility-and-save-most-drivers-money\/\",\"name\":\"Targeted Reforms Could Shrink the Reinsurance Facility and Save Most Drivers Money - 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