Posted On: January 4, 2008, 3:29 pm CST

Posted By: Russell Vollmer

Commissioner Denn's regulation is another example of over-regulation, although I also believe insurers sometimes ask for this kind of trouble when, as reported in tis article, they don't separate simple policyholder inquiries from bona-fide claims when underwriting a policy. As for underwriting based on claim experience, that is an essential part of the process and to deprive insurers from the ability to non-renew poor risks flies in the face of free enterprise. No insurer should be forced to stay on a policy that has had a poor claim record.