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The Insurance Company View by Robert Hartwig | Property Insurance Protection Law Blog



Robert Hartwig is the current leading propagandist for the insurance industry’s lobbying efforts in the United States. His current piece of propaganda, It’s not just the weather: the man-made crises roiling property insurance marketssets out insurance industry goals and objectives for the upcoming 2023 legislative sessions.

Hartwig’s lobbying efforts will focus on California, Louisiana and Florida. Although these three states have been actuarially hit by severe hurricanes or wildfires, his goals focus on changes to the legal system by preventing lawsuits, reducing consumer rights, fighting restoration contractors and reducing state regulation of the insurance industry. Lawyers, contractors and regulators looking for policyholders appear to be in the crosshairs of Hartwig̵

7;s formidable and efficient lobbying machine.

Like all good propaganda, there are truths in the paper. There is also the exaggerated and false narrative that must be studied and countered.

Pay! warns of these dangers and its lobby propagandists:

The industry has no reservations about paying these lobbyists top dollar. By investing a few million dollars in a legal election campaign, State Farm was able to see a $1 billion judgment against them vacated, at least temporarily, and what amounted to an over three hundredfold return on their investment. You can’t get that kind of return anywhere else, which is why insurance companies are happy to invest millions of dollars in lobbying for their agenda.

It would be great if their agenda was pro-consumer, but it isn’t. The insurance industry is hell-bent on paying less in claims, the consumer berserk, and will lobby hard against laws that could hold it liable for wrongdoing.

The propaganda machine doesn’t mention the thousands of policyholders who were defrauded by the zero-claims initiative in Florida, the Jewish attorney list in California, or the flagrant delay in claims in Louisiana. Why doesn’t Hartwig write about the insurance industry’s silence and warn their clients about the dangers of wildfire smoke?

Still, if edited, I agree with the following results:

…insurers need…confidence to operate in the permitted market in a financially solvent manner. To accomplish this, lawmakers and regulators must strike a … balance between affordability for consumers and insurers’ interest rate needs. Insurers must be given the flexibility to collect adequate premiums that reflect the exposure.

…. While climate change is expected to increase the frequency and severity of natural disasters, societies must be hardened to withstand natural disasters. Stronger housing, built for the local risks, should result in a meaningful reduction in future expected losses, allowing insurers to continue to provide affordable and accessible coverage for consumers.

Insurance is a social product. Regulations exist in part to prevent the insurance industry from cannibalizing itself. We learned a long time ago about how the insurance industry operates when it is not regulated. Now the insurance industry wants to control regulation to ensure profits without liability for their own mistakes.

Now that you are aware of what the insurance lobby is trying to do, the question for those reading this post is, what can you do to stand up to it, and will you take that action?

Today’s thought

We must stop the propaganda, the shameful propaganda that the Kremlin uses to rehabilitate these old types.
– Garry Kasparov


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