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Das, he's not here to defend us.

His job is to do what's best for ALL parties when it comes to the adminstration and sale of insurance within the state. You are smart enough to understand that insurance providers are not here simply to be a convenience for us. Many are publically traded corporations that exist to increase shareholder value. The simple fact is that cash reserves are at an all time low and need to be replenished. Rates are rising across the entire nation, and statistically, we are at a higher risk than the rest of the state. The same thing is happening out West - people who live in areas prone to wildfires are paying higher premiums and getting hit with higher deductibles. The LAST thing we need is major insurance companies pulling out of North Carolina, and if they can't make money here, that's exactly what they'll do. In reference to something posted by someone else, natural disasters and accidents don't respect the economy. Just because you're having problems "paying the bank" doesn't mean that cash reserves can remain so low. If we get hit with a major storm this year, you might find that your insurance company is havinga hard time paying YOU if these rate hikes are denied. If the legislature scraps the Beach Plan, the pain will simply be shifted to everyone across the entire state, because the cash reserves must increase.


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