House Committee on Insurance - 68th R.S. (1983)

Committee: House Insurance
Title: Interim report
Library Catalog Title: Interim report of the Insurance Committee, Texas House of Representatives, 68th Legislature.
Subjects: Automobile insurance | Consumer protection | Deceptive Trade Practices-Consumer Protection Act | Fire prevention | Firefighters | Health insurance | Insurance industry | Insurance rates | Property insurance | Rural issues | State buildings | State mandates | Texas Catastrophic Property Insurance Association | Tropical storms |
Library Call Number: L1836.68 in7
Session: 68th R.S. (1983)
Online version: View report [255 pages  File size: 7,620 kb]
Charges: This report should address the charges below.
1. To monitor all activities and have budget oversight responsibilities for those agencies, boards and commissions as listed in Rule 3, Section 16.
2. To monitor the study being conducted by the State Board of insurance pursuant to HCR 213, 68th R.S., relating to the advantages and disadvantages of the various forms of property/casualty rate making and policy form implementation.
3. To study mandated coverages in the health insurance field and recommend a coherent policy of state mandated coverages. Examine effects of mandated coverages on rates and premiums as well as the impact of utilization and adverse selection when coverages are mandated.
4. To study advantages and disadvantages of alternative methods of marketing and underwriting uninsured and underinsured motorists coverage currently found in other states and their possible application in Texas, including proposals by which underinsured motorists coverage could be offered without the requirement that benefits be reduced by the amount of the other party's liability coverage.
5. To study the fire record credit system as it currently affects the costs of every fire and commercial multiperil insurance policy in this state; to determine whether the provision of debits or credits based on fire loss experience has had its desired effect of enhancing fire prevention and protection; and to determine whether these desired goals could be achieved in a more equitable or less administratively burdensome manner.
6. To conduct a study to determine if current Texas law regulating unfair and deceptive trade practices in the business of insurance achieves its desired goals of enhancing consumer protection and full disclosure of insurance information without unfairly punishing persons involved in the business of insurance for innocent acts, and to conduct a survey of other state laws to ascertain the advantages and disadvantages of other states' attempts to provide fair and effective consumer protection in the business of insurance.
7. To study advantages and disadvantages of support for volunteer fire departments through a surcharge on insurance premiums in rural areas.
8. To study advantages and disadvantages of a state self-insurance program to provide funds to replace state property and buildings in case of fire or other disasters.
9. To study the impact of Hurricane Alicia on the insurance industry in Texas. Consider the issues of solvency, prices, and availability of windstorm insurance in the storm area. Also study the effectiveness of operation of the Texas Catastrophe Property Insurance Association.
Supporting documents
Committee: House Insurance
Title: Notices of public hearing
Library Catalog Title: Minutes
Library Call Number: L1801.9 IN7 68
Session: 68th R.S. (1983)
Online version: View document [17 pages]

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