Articles by R.J. Lehmann

Lehmann is co-founder of the R Street Institute in Washington, D.C. where he serves as director, Finance, Insurance & Trade, and is a senior fellow. He can be reached at rlehmann@rstreet.org.

Is California’s Prop 103 System ‘Democratic’?

Defining the term “democracy” has long been a challenging proposition. Nearly all agree that a democracy is a government that reflects the will of the people, but questions about the particulars, of what structures are wise or useful to harness …

New York ‘Bad Faith’ Bill Repeats Mistakes of California and Florida

The State of New York may be on the verge of making the same mistake that has driven Florida auto insurance premiums through the roof, and that did the same in California until its high court learned the error of …

Tort Reform Could Move Louisiana Closer to a Passing Grade

For two years in a row, Louisiana has had the ignoble distinction of finishing dead last, with a grade of “F,” in the R Street Institute’s annual report card of the insurance regulatory environment in each of the 50 states. …

California Lawmakers Move Toward Risk-Based Rates

As the Soviet Union ultimately learned the hard way, price controls are a guaranteed way to prolong shortages. It has taken a few years, but there are promising signs California lawmakers may finally be ready to learn the same lesson. …

A Plan for New York to Prepare for Catastrophes

New York State’s NYS 2100 Commission, created in the wake of Sandy to offer recommendations on ways to better prepare for natural disasters, is out with its initial report, including a section on potential changes to the insurance environment. Perhaps …