Bob Menendez

I hope that that ends up being the case, and I agree with you on what your perspective is as to what the advocate should be.

I mean, I think that there is a high successful appeal rate is a red flag that initial claims adjusting is flawed.

That is fundamentally unfair.

Well, I hope you will look at those 270 cases that you, from my perspective, arbitrarily and capriciously decided: They did not hit a specific deadline.

You do not have to live under the deadline, and there is no consequence to you--not you personally, no consequence to the agency--for not meeting the deadline, but there is a consequence for the policyholder for not meeting the deadline.

Leaving disaster victims in limbo for months is not only bad enough; it also jeopardizes their legal rights.

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.

If an insurance company pays a claimant too much money, it is on the hook for every dollar it overpaid while at the same time, if any insurer pays a claimant too little, the penalty is, in practice, nonexistent.

After 40 years of public life, I have a basic philosophy. If I hear one person complain about something, maybe they are just not happy. If I have two or three people complain about it, maybe it is a coincidence. When I have hundreds…

But now, when they need their insurance company the most, they are left out in the cold.

Thousands upon thousands--this is not an exception to the rule, but thousands upon thousands of homeowners have been stymied at every step of the claims process.

The way it has proceeded is unacceptable. It is not what Americans should have to endure.

The effects of Superstorm Sandy, though the storm may have come and gone, the effects continue to be felt in grievous manners every single day by people all across the State of New Jersey.

I do not believe Teheran has had a change of heart about its nuclear program.

I have been skeptical of the Iranians' sincerity from day one and I cannot say that I am any less skeptical today than I was 6 months ago.

First of all, let me say I am really moved by Senator Booker's passion, Senator Nelson's clarity of thought, and by my other colleagues who have joined us. I am compelled to join them because we do have a crisis, but we also have, in my…

If the Iranians remain influential in Baghdad, if Mr. Maliki remains in power, if the groups cannot come together, we have to start thinking about how are we going to deal if we do have three separate entities.

The inclusive government that the President has correctly said is a prerequisite to any real action cannot be a government headed by Prime Minister Maliki.

We need to act as quickly as we can.

Today we focus on Iraq and U.S. policy options, but to fully examine the crisis in Iraq we must acknowledge the broader context of developments across the region.

Unfortunately, I am still hearing stories of egregious and unreasonable rate hikes in New Jersey.

Given the unprecedented gridlock in Washington, passing this relief bill with 72 votes in the Senate was nothing short of a miracle.

Given the unprecedented gridlock in Washington, passing this relief bill with 72 votes in the Senate was nothing short of a miracle and a tremendous victory for homeowners.

People in New Jersey spoke from the heart. Something had to be done.