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The Commissioner of Insurance has no power to raise insurance rates. On the contrary, the Insurance Industry files expense and loss data with its request for a rate increase. That data is reviewed prior to a decision being made by the NC Rate Bureau. At that point, the Comissioner may, if he feels the consumer has been disserved, take the Insdustry to court and challenge the rate increase. The Court then decides. Look at this very site and the post concerning the roll back in private passenger auto rates. While the current commissioner is basking in the light, that fight was begun by former Commissioner Jim Long who was a real consumer advocate in Raleigh. For anyone to say the Commissioner can arbitrarily increase rates merely shows how little that person knows about the rate making process.


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