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Topic: California Insurance Commissioner

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	California Insurance Commissioner - Wikipedia, the free encyclopedia
		California Insurance Commissioner is an elected executive office position in California who is in charge of the California Department of Insurance.
		The Insurance Commissioner oversees the Department of Insurance.
		The next election for Insurance Commissioner is in 2006 between Democrat Cruz Bustamante and Republican Steve Poizner.
	en.wikipedia.org /wiki/California_Insurance_Commissioners (155 words)

	insurance commissioner california
		California& 146;s insurance commissioner is appointed by the governor until of Proposition 103 in 1988.
		Prior to 1988, California had an "open system" of regulation under which rates set by insurers without prior approval subsequent approval by the free insurance commissioner.
		Personal Insurance Federation of California its member companies continue vigil to see that consumers in California were protected insurance costs were kept down that fair rates be paid by all consumers.
	www.regtro.com /insurancecommissionercalifornia.htm (2143 words)

	Steve Poizner for California Insurance Commissioner (Site not responding. Last check: 2007-10-09)
		Insurance fraud, uninsured motorists, a costly workersâ€™ compensation system and a lack of rate competition have all combined to make insurance a major cost factor threatening the growth of Californiaâ€™s economy.
		The Insurance Commissioner issues certificates of authority to insurance and title companies seeking admittance in the California market, and controls the licensing of agents, brokers, solicitors and bail bond agents in California.
		The Insurance Commissioner has the authority to audit and investigate the insurance industry to identify illegal and/or unfair business practices in claims handling or other insurance functions, and to ensure compliance with California insurance industry rules and regulations.
	www.joinsteve.com /aboutic (455 words)

	PIFC - Insurance Reference Manual - Foreword
		California ’s insurance commissioner was appointed by the governor until passage of Proposition 103 in 1988.
		Prior to 1988, California had an “open competition system” of regulation under which rates were set by insurers without prior approval or subsequent approval by the insurance commissioner.
		In addition, commercial insurance lines included in Proposition 103 are: commercial aircraft, commercial automobile, boiler and machinery, burglary and theft, business owners, commercial farm owners, some fidelity, commercial fire and glass, medical malpractice, commercial miscellaneous, commercial multi-peril, professional liability, special multi-peril, and coverage under the United States Longshoremen’s and Harbor Workers’ Compensation Act.
	www.pifc.org /insurance/prop103_overview.html (2046 words)

	California Insurance Commissioner Attempts to Restrict Rights of Insurers to Eliminate Bad Risks
		The proposed emergency regulations seek to prevent homeowners insurers from using their judgment in selecting risks and change California law to resolve a problem for which there is little or no evidence.
		Of course, this ignores the fact that insurance is a contract of personal indemnity and that it is not the damage that is the problem but the insured that allows the damage to occur.
		If the information is from an insurance support-organization, the insurer shall obtain further relevant information in addition to the material obtained from the insurance support organization.
	www.zalma.com /doi.htm (886 words)

	BBC NEWS \| Business \| California joins insurance probe
		California is preparing to join the widening investigation of the US insurance business.
		Shares in Marsh, the world's largest insurance broker, have collapsed since the Spitzer investigation was unveiled, and the firm is now renegotiating $2.8bn in bank financing.
		California, the largest state in the US and by some measures the sixth largest economy in the world, has also tightened up its rules on how insurance is sold.
	news.bbc.co.uk /2/hi/business/3761804.stm (318 words)

	Smart Voter: California Insurance Commissioner, Duties of Office (Site not responding. Last check: 2007-10-09)
		The California Insurance Code establishes the office of Insurance Commissioner who is elected in the same place and manner as the Governor and serves a maximum of two four-year terms.
		The Insurance Commissioner determines the sufficiency of securities to be given by those engaged in the insurance business and no person may transact any class of insurance business without first being certified by the commissioner.
		The Commissioner also is designated to receive and administer a deposit from each title insurance company doing business in the state as a guarantee fund for the security and protection of title insurance policyholders.
	www.smartvoter.org /1998jun/ca/state/race/inscm/duties.html (224 words)

	Health Care Marketplace \| California Insurance Commissioner Files Motion To Dismiss Suit Against Him - Kaisernetwork.org
		California Insurance Commissioner John Garamendi (D) on Wednesday filed a motion to dismiss a lawsuit from Indiana-based Anthem claiming the commissioner exceeded his regulatory authority with his decision to block part of a proposed $16.5 billion merger with California-based WellPoint Health Networks,
		Garamendi said that Anthem would use as much as $400 million annually in health insurance premiums paid by California residents to finance the proposed merger in the first three years and an unlimited amount after that time.
		In his motion, Garamendi said, "The commissioner's function is not to rubber-stamp transactions that meet minimal financial reserve or surplus requirements.
	www.kaisernetwork.org /daily_reports/rep_index.cfm?DR_ID=25452 (306 words)

	John Garamendi - Wikipedia, the free encyclopedia
		Instead of seeking re-election to the Insurance Commissioner's office in 1994, Garamendi ran for Governor of California but lost the Democratic primary by 15% to State Treasurer Kathleen Brown, [1] who in turn lost the general election by 15% to incumbent Republican Governor Pete Wilson.
		Halfway through his term as Insurance Commissioner, on July 16, 2004, Garamendi announced his candidacy for the 2006 race to replace the term-limited Bustamante as Lieutenant Governor.
		California elects governors and lieutenant governors separately; state treasurer Phil Angelides is the Democratic nominee for Governor of California, but Garamendi could not, in any formal sense, be called Angelides's running mate.
	en.wikipedia.org /wiki/John_Garamendi (612 words)

	Consumers Union Urges California Insurance Commissioner To Adopt Stricter Rules Governing Consumer Privacy
		Consumers Union has urged the Insurance Department to adopt a stricter "opt-in" rule, which would require insurance companies to get their customers' permission before information can be shared with an affiliated company or sold to a third party.
		Or a life insurance company might decide to offer a consumer a higher rate than is typical because the company knows that this consumer pays high rates for homeowner and car insurance and therefore probably doesn't comparison shop.
		In her testimony before the Insurance Commissioner, Garcia noted that the proposed "opt-out" rule is completely contrary to the notion that the consumer should have control over his or her private, nonpublic information held by insurance companies.
	www.consumersunion.org /finance/privwc202.htm (693 words)

	California insurance commissioner OKs Anthem-WellPoint merger North County Times - North San Diego and Southwest ... (Site not responding. Last check: 2007-10-09)
		LOS ANGELES -- California's insurance regulator dropped his objections to a $16.4 billion deal to create the nation's largest health insurance company on Tuesday, after the companies agreed to pay hundreds of millions of dollars for state health care improvements.
		For months, Insurance Commissioner John Garamendi had blocked Indianapolis-based Anthem Inc.'s proposed acquisition of WellPoint Health Networks Inc., saying it would pull $400 million a year out of California in the form of dividends and that the buyout package it offered WellPoint's chief executive was excessive.
		A lawsuit Anthem filed against Garamendi in August for blocking the proposed merger was dismissed as a result of the settlement agreement, the commissioner said.
	www.nctimes.com /articles/2004/11/10/business/news/20_46_3911_9_04.txt (956 words)

	JewishJournal.com
		They may be "down ballot,"or low profile, races for state offices, but the contests for insurance commissioner and controller in the Nov. 5 election could have important international effects on the Jewish community.
		California’s next insurance commissioner will have an important voice in the settlement and distribution of Holocaust-related funds.
		The California insurance commissioner, along with the commissioners of several other states, European insurance regulators and Israeli and Jewish organization officials form the ICHEIC board.
	www.jewishjournal.com /home/preview.php?id=9472 (937 words)

	California Insurance » Blog Archive » Democrat Urges California Insurance Commissioner to Drop Proposed ... (Site not responding. Last check: 2007-10-09)
		Assemblywoman Patty Berg, D-Eureka, and a group of rural-area lawmakers are urging Insurance Commissioner John Garamendi to drop plans that could raise auto insurance rates for California North Coast residents while lowering them in the Bay area and Los Angeles.
		A proposal to base auto insurance prices primarily on how motorists drive and not where they live was widely seen as pitting drivers in rural areas against those who live in big cities when it was introduced in December 2005.
		This entry was posted on Monday, March 13th, 2006 at 12:43 am and is filed under California Auto Insurance, California Department of Insurance, California Insurance.
	www.californiainsurancezone.com.cob-web.org:8888 /california-insurance/?p=8 (859 words)

	Peace Corps Online \| October 24, 2003 - Insurance Journal: California Insurance Commissioner and RPCV John Garamendi ...
		Focusing the spotlight on solutions to California's economic problems, State Insurance Commissioner John Garamendi urged Governor-elect Arnold Schwarzenegger to convene a special session of the legislature on workers' compensation when he takes office in November.
		Caption: California Insurance Commissioner John Garamendi, a former Democratic state senator, answers questions from reporters in Sacramento, Calif., after he announced he would drop his bid for governor Saturday, Aug. 9, 2003, hours before the deadline to file his candidacy papers in the October recall election.
		He said he'll devote his time now to fight the recall effort and to accomplish his goals as insurance commissioner, the job he was elected to in November.
	peacecorpsonline.org /messages/messages/2629/2017024.html (2274 words)

	Tom Condit for California Insurance Commissioner - Home
		I am running for Insurance Commissioner as part of a movement against corporate power and for democracy and equality.
		If elected, I will fight discrimination and red-lining in insurance, work to reduce insurance company bureaucracy and red tape, and end the practices by which companies try to avoid risk by dumping those who need help the most.
		The recent "reforms" in workers' compensation insurance show the futility of relying on the private sector to give injured and ill workers the assistance they need.
	tomcondit.org (348 words)

	California: Insurance Commissioner to Re-adopt Emergency Regs on SIUs
		On Sept. 1, 2004, the California Department of Insurance (CDI) issued a notice of proposed action setting forth proposed permanent regulations regarding special investigative units (SIU) that are intended to replace the existing emergency regulations regarding SIU.
		NAMIC, through it state advocacy partner, the Personal Insurance Federation of California (PIFC), worked closely with the CDI on the proposed regulations and on a related bill, AB 1227 (McCarthy), that gave the department statutory authority to impose reasonable and defined penalties on companies that fail to comply with the SIU regulations.
		The proposed regulations needed to be revised to address the possibility that an insurance company could be fined or penalized for non-compliance when its action was merely an “inadvertent” non-compliance and that the regulation should be tailored to the current law that defines “willful” misconduct.
	www.namic.org /advocatenews/050502sa08.asp (496 words)

	California state insurance commissioner (via CobWeb/3.1 planetlab2.cs.virginia.edu) (Site not responding. Last check: 2007-10-09)
		California Insurance Commissioner John Garamendi is troubled that health insurers...
		State Insurance Commissioner John Garamendi was recovering in the hospital...
		The bill would prohibit the Insurance Commissioner from taking action until another study on the issue is completed by the California State Library and the...
	1247.b0negv.info.cob-web.org:8888 (1171 words)

	State Watch \| California Insurance Commissioner To Issue Report on Health Savings Accounts, Association Health Plans - ...
		California Insurance Commissioner John Garamendi on Wednesday plans to issue a report that criticizes health savings accounts and other "consumer-driven" health plans as contributors to increased health care costs, the
		The report also found that health insurance premiums increased by 61% in California between 2000 and 2004.
		The report also criticizes a bill (HR 525) passed last month by the House that would allow small businesses to form association health plans across state lines and would exempt the plans from a number of state laws that regulate health plans and require them to cover certain benefits.
	www.kaisernetwork.org /daily_reports/rep_index.cfm?DR_ID=31810 (353 words)

	California Insurance Law - MegaLaw.com
		California Association of Insurance and Financial Advisors (CAIFA)
		California Insurance Law Outline - From Horvitz and Levy.
		SR22 Filing Auto Insurance - Insurance for drivers with a drunk driving conviction.
	www.megalaw.com /ca/top/cainsurance.php (368 words)

	Insurance commissioner california (via CobWeb/3.1 planetlab2.cs.virginia.edu) (Site not responding. Last check: 2007-10-09)
		California Insurance Commissioner John Garamendi is troubled that health insurers such as WellPoint Blue Cross of California have posted such high profit...
		California Insurance Commissioner John Garamendi, in his investigation of alleged title company kickbacks to other real estate groups, has so far issued...
		California Insurance Commissioner John Garamendi on Wednesday plans to issue a report that criticizes health savings accounts and other.
	4554.xdwmt2.info.cob-web.org:8888 (1317 words)

	Dale F. Ogden for California Insurance Commissioner
		However, unlike his two elected predecessors, a Democrat and a Republican, and his opponents, he believes that California insurance laws should be enforced as they are written, for the benefit of the citizens of California, not as the Insurance Commissioner decides would best further his and the governor's political careers.
		In 1998, Dale F. Ogden was the Libertarian candidate for Insurance Commissioner and warned of some of the corrupt practices of Chuck Quakenbush and several of his chief lieutenants.
		Ogden was the author of a critical analysis of the unconstitutional and impractical regulations proposed by John Garemendi, allegedly to implement Proposition 103.
	www.usactuary.com /ogden02 (951 words)

	California: Insurance Commissioner Enforcement Bill Would Increase Commissioner’s Power
		SB 706, the Insurance Commissioner Enforcement Bill, is another attempt by the California Department of Insurance’s Commissioner to attain more power and assert more control over the insurance industry.
		According to PIFC, at a recent meeting between the CDI and the insurance industry, CDI staffers made the case that the commissioner lacked the necessary authority to adequately punish “bad actor” companies.
		Although the CDI only referenced cases involving renegade insurers who sell phony insurance policies to support their claim, the CDI did admit that the legislation would create new authority for the commissioner to shut down insurance companies, even legitimate ones, if he deemed it necessary and appropriate.
	www.namic.org /advocatenews/050321sa05.asp (452 words)

	Candidates for California Insurance Commissioner
		The cost of insurance company failures is borne by the public through surcharges (merely a "tax" with a different name) in their insurance rates.
		Another priority as Insurance Commissioner would be implementing Proposition 103 in letter and spirit as passed by the voters of California in 1988, by restoring the integrity of the office and fighting for fair, equal and affordable insurance for every Californian who deserves it.
		As Insurance Commissioner, I intend to crack down on insurance companies that break the law by lowballing damage estimates, denying coverage to those who deserve it and delaying payments on claims, and engaging in fraud.
	www.3cheers2u.com /paula/forum.html (3809 words)

	California Insurance Commissioner Criticizes HSAs - by Grace-Marie Turner - The Heartland Institute
		Garamendi, who admits in the report that he is not neutral on the topic, said consumer-directed plans "put the entire health system at risk" because they attract the young and healthy into leaner plans, leaving the older and sicker in traditional plans.
		It is the norm, not the exception, for consumer-driven plan sponsors to offer low- or no-cost sharing options (as opposed to financial disincentives) in the area of preventative services, according to an editorial on businessinsurance.com responding to Garamendi's report.
		And seven of the least expensive cities for health insurance for 30-year-olds--the young, healthy patients most desirable in the insurance pool--were in California.
	www.heartland.org /Article.cfm?artId=17711 (629 words)

	California insurance commissioner (via CobWeb/3.1 planetlab2.cs.virginia.edu) (Site not responding. Last check: 2007-10-09)
		Considering that the insurance commissioner is one of the few statewide constitutional offices...
		California state insurance commissioner John Garamendi began investigatory hearings Dec. 1 to address rising health care costs in California.
		The insurance commissioner for California at the time of my complaint against Federal Insurance Company was the justly disgraced Chuck Quackenbush.
	4750.zx5ts7.info.cob-web.org:8888 (863 words)

	USATODAY.com - Official: Restructure insurance deal (Site not responding. Last check: 2007-10-09)
		California's insurance commissioner said Tuesday that to win his approval, WellPoint Health Networks (WLP) and Anthem (ATH) need to restructure terms of their proposed merger, which would create the nation's largest health insurance firm.
		WellPoint spokesman Ken Ferber says the insurer was encouraged by Garamendi's statements that negotiations continue and that he is looking to them to provide a blueprint for how to resolve their differences.
		No decision from either California agency is expected until after a public hearing Friday by the managed health care department.
	www.usatoday.com /money/industries/insurance/2004-07-06-wellpoint_x.htm (474 words)

	PE.com \| Inland Southern California \| Business News
		California Insurance Commissioner John Garamendi, whose lone opposition held up a gigantic health-care merger last year, on Monday approved the proposed $9.2 billion union of UnitedHealth Group Inc. and PacifiCare Health Systems Inc.
		The California insurance commissioner approved that deal last year only after Anthem agreed to contribute $400 million to the state public-health system by, for instance, helping fund new hospitals.
		The state insurance commissioner said UnitedHealth has "a very bad reputation across the nation" concerning the reimbursement of physicians and other health-care providers, and under the California agreement, the company is required to make "prompt and appropriate" payments.
	www.pe.com /business/local/stories/PE_Biz_D_insurance20.4e997fe.html (1304 words)

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