NAIC Testifies at Hearing on Auto Insurance Industry Practices

NAIC Testifies at Hearing on Auto Insurance Industry Practices

WASHINGTON (Mar. 4, 2020) – Elizabeth Kelleher Dwyer, Superintendent of the Division of Insurance, Rhode Island Department of Business Regulation, testified before Congress at an oversight hearing regarding the regulation of auto insurance discrimination.

The hearing was held before the subcommittee on Housing, Community Development and Insurance, U.S. House Committee on Financial Services. The committee heard testimony that explored issues related to potential discriminatory premiums, practices, and policies in the auto insurance industry.

"States have the enforcement authority, data, expertise, and understanding of local market dynamics critical to auto insurance and are in the best position to determine regulatory and legislative approaches to address any discriminatory practices," said Dwyer. "For these reasons, the NAIC opposes federal legislation that would preempt state insurance regulatory authority in these crucial areas and limit a state’s flexibility to regulate such practices in a manner it deems appropriate for its auto insurance market."

Dwyer testified on behalf of the NAIC. To read Superintendent Dwyer's testimony, click here.

About the NAIC

As part of our state-based system of insurance regulation in the United States, the National Association of Insurance Commissioners (NAIC) provides expertise, data, and analysis for insurance commissioners to effectively regulate the industry and protect consumers. The U.S. standard-setting organization is governed by the chief insurance regulators from the 50 states, the District of Columbia and five U.S. territories. Through the NAIC, state insurance regulators establish standards and best practices, conduct peer reviews, and coordinate regulatory oversight. NAIC staff supports these efforts and represents the collective views of state regulators domestically and internationally. For more information, visit

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