01/02/2018
https://www.congress.gov...
"The way it has proceeded is unacceptable. It is not what Americans should have to endure."
"If you do not track this information, I do not know how exactly you know there is a problem until it gets so big that you realize there is a problem."
"So, to me, in terms of incentives, this structure clearly seems to influence the Write-Your-Owns to be more conservative when adjusting for claims, which leads to policyholders being low-balled."
"But now, when they need their insurance company the most, they are left out in the cold."