HEY GOOD AFTERNOON EVERYBODY --
WE DON'T CURRENTLY HAVE A QUORUM
BUT OUT OF RESPECT FOR OUR
WONDERFUL AUTHORS YOU'RE HERE
WAITING PATIENTLY --
DEVICE YOU AND I BOTH AGREE WE
SHOULD PROCEED AS A
SUBCOMMITTEE.
AND HOPE THAT THOSE HALF MEMBERS
AT OUR HEARING MY VOICE WILL
COME AND JOIN US IN.
BUT DISSIPATE IN OUR WONDERFUL
DISCUSSION TODAY.
SO WHAT WE'RE GONNA HOLD OFF ON
THE ROLE THAT HERE'S WHAT I HAVE
I I HAVE A MISTER COOLEY WHO WAS
GOING TO DIFFER FOR A FEW
MINUTES FIRST.
I HAVE THIS FRIEDMAN --
I HAVE THAT THEN FOLLOWED BY.
A MISTER DALY.
FOLLOWED BY MISTER CALDERON.
AND HAVE A SEAT BIGELOW AND THIS
BURKE SO EVERYBODY CAN FINALLY
WITH THE ORDER THAT WE HAVE
SIGNED AN ORDER.
AND SO WITH THAT I WANT INVITED
MISTREATMENT TO TO JOIN US.
THIS IS --
ITEM TEN ASSEMBLY BILL.
TWENTY EIGHT OH TO THE OF TWO
BILLS YES WHICH WILL ELECT TAKE
FIRST EVERYONE YOU WOULD LIKE
LET'S GO IN THE ORDER THE FILE.
AB TWENTY FIVE NINETY FOUR ITEM.
EIGHT WELCOME THIS TREATMENT
THANK YOU FOR YOUR HAIR MEMBERS.
I DON'T KNOW I FOR SOME
COMMENDED APPRECIATE THE CHAIR
IN HIS STOCK FOR THE CONTINUED
WORK ON THIS BILL I'M VERY HAPPY
TO CONSIDER ADDING URGENCY
CLAUSES OUTLINED IN THE ANALYSIS
THAT WOULD REQUIRE THE IMMEDIATE
EXTENSION OF THE STATUTE TO
TWENTY FOUR MONTHS. FOR ALL
LOSSES THAT RESULT FROM A SINGLE
A FROM A STATE OF EMERGENCY.
AB TWENTY FIVE NINETY FOUR WOULD
EXTEND THE CURRENT TWELVE MONTH
PERIOD A HOMEOWNER HAS TO
REBUILD TO RECOVER COSTS TO
TWENTY FOUR MONTHS WHEN THE LOSS
IS THE RESULT OF A NUCLEAR
DISASTER.
THIS BILL COULDN'T BE MORE
TIMELY WERE NEEDED CONSIDERING
THE CURRENT STATE OF THE PARTY
FIRE IN LAKE COUNTY THAT'S
ALREADY AFFECTED THOUSANDS.
DURING THOSE WILDFIRE SEASON
LAST YEAR OVER TEN THOUSAND
STRUCTURES WERE DESTROYED AND
HUNDREDS OF FAMILIES WERE
EVACUATING REJECTED FROM THEIR
HOMES.
AND THE REBUILDING PROCESS FOR
THIS FAMILIES CAN BE FINANCIALLY
AND EMOTIONALLY DRAINING.
BUT OFTEN TAKES FAMILIES MORE
THAN A YEAR TO FULLY HIT IT WITH
THEIR LOSS ESPECIALLY GIVEN THE
LIMITED NUMBER OF CREWS TO DO
THE REBUILDING AND THE FACT THAT
SOMETIMES A LANDSLIDE EVEN
CERTIFIABLE. TO HAVE NEW REBUILT
ON IT FOR A NUMBER OF MONTHS
THAT'S DUE TO NO FAULT OF THE
FAMILIES.
AND WE NEED TO PROVIDE
HOMEOWNERS WITH A REASONABLE
ABOUT OF TIME TO RECOVER FROM
WHAT'S LIKELY TO BE THE MOST
DRAMATIC LOSS THAT THEY'LL EVER
EXPERIENCED.
A WITH ME TO TESTIFY IN SUPPORT
STC HEATON REPRESENTING THE
RURAL COUNTIES REPRESENTATIVES
OF CALIFORNIA AND ROBERT HARRELL
DEPUTY COMMISSIONER OF
LEGISLATIVE AFFAIRS FOR THE
CALIFORNIA DEPARTMENT OF
INSURANCE.
WITHOUT I RESPECTFULLY REQUEST
AN AYE VOTE THAT THANK YOU
MISTER EVEN BEFORE WE HEAR FROM
YOUR WITNESSES WE MIGHT FOR
THOSE WHO ARE NEW TO OUR
COMMITTEE --
IS HE A CHANCE TO REITERATE OUR
GUIDELINES WHICH IS TO ASK THAT
TWO WITNESSES IN FAVOR TROTTING.
KEEP THE REMARKS TWO COUPLE
MINUTES OUT TO WITNESSES IN
OPPOSITION UNDER THE SAME
GUIDELINES AND WE OBVIOUSLY ASK.
THOSE WHO ARE HERE TO SUPPORT IN
OPPOSED TO COME TO THE
MICROPHONE TO IDENTIFY
THEMSELVES AND THEIR AFFILIATION
--
AND THEIR POSITION ON THE BILL.
AND WITH THAT I'D BITE YOUR
WITNESSES TO OUR CARRY ON GOOD
AFTERNOON STACEY HEAT WITH THE
WORLD COUNTY REPRESENTATIVES OF
CALIFORNIA WE REPRESENT THIRTY
FIVE RURAL COUNTY STATEWIDE.
ARE COUNTIES ARE LARGELY FORCED
TO COUNTIES AND SO WE'VE BEEN
SAYING --
CATASTROPHIC WILDFIRES IN OUR
COUNTIES FOR A DECADE PLUS NOW
IS THE RESULT OF CLIMATE CHANGE
AND AND LACKS FORCE MANAGEMENT
AND A WE'VE SEEN IT FOR YEARS
WHERE HOMEOWNERS THAT HAVE BEEN
DISPLACED BY WILDFIRES.
IN SUCH STATES EMERGENCIES AS
THIS BILL IS ADDRESSING A IT
TAKES THE MONTHS TO REBUILD TO
GET THEIR LIVES BACK TOGETHER.
AND TO TRY TO FIGURE OUT WHAT
KINDS OF LOSSES THEY'VE ACTUALLY
SUFFERED FROM THESE WILDFIRES
AND IN THE WAKE OF THE
DEVASTATING TWO THOUSAND
SEVENTEEN THEY WERE DISPLACED BY
THOSE FIRES ARE STILL TRYING TO
REBUILD AND WORK THROUGH EXACTLY
WHAT IT WAS THAT THEY DID LOSE.
AND THAT THEY'RE STILL GOING TO
BE STRUGGLING TO SORT THROUGH
ALL THAT FOR YOU KNOW THE
FORESEEABLE FUTURE.
AND IN LIGHT OF THAT WE FEEL
IT'S COMPLETELY REASONABLE TO
EXTEND THE STATUTE OF
LIMITATIONS --
FROM TWELVE MONTHS TO TWENTY
FOUR MONTHS AND WE WOULD
ENCOURAGE YOUR AYE VOTE TODAY
THANK YOU THANK YOU NEXT WITNESS
GOOD AFTERNOON MISTER CHAIRMAN
AND MEMBERS ROBERT CORRAL WITH
THE DEPARTMENT OF INSURANCE LIKE
TO THINK THE AUTHOR --
WE ARE THE SPONSOR OF THIS
MEASURE --
THIS IS A SIMPLE REFLECTION OF
THAT IT IS TAKING LONGER --
TO REBUILD ESPECIALLY IN THE
SCOPE OF THE TRAGEDIES THAT I'VE
SPOKEN -- IN
FROM THIS COMMITTEE BEFORE --
RELATING TO THE PINEY FIRE THE
LATEST INFORMATION I HAVE IS
THAT AT LEAST TWELVE HOMES HAVE
BEEN DESTROYED AND THAT NUMBER
WILL SIMPLY GROW.
SO IN ADDITION TO AND LAKE
COUNTY ESPECIALLY YOU'VE GOT.
TWENTY FIFTEEN THERE WERE SOME
SEVEN TWENTY SIXTEEN TWENTY
SEVENTEEN WAS AWFUL AND NOW HERE
WE ARE AT THE END OF JUNE
LOOKING AT A TWENTY EIGHTEEN SO
A WE WOULD URGE AN AYE VOTE AND
I APPRECIATE THE THE POTENTIAL
ADDITION OF AN URGENCY BECAUSE
THIS MEASURE.
YOU ARE THERE OTHER WITNESSES IN
FAVOR IF THEY COULD STEP UP TO
THE MICROPHONE AND OKAY LAST
CALL ON THAT.
ARE THERE ANY OTHER WITNESSES IN
OPPOSITION.
ALRIGHT CNN WILL BRING THE
MATTER BACK TO THE COMMITTEE FOR
COMMENT OR DISCUSSION
[inaudible]
AND YET.
THE COMMENTS OR DISCUSSION
[inaudible]
THAT.
OKAY CENTER GAINES FRIEDMAN FOR
VERY COMMONSENSE ORIENTED AND I
JUST THAT SOLVED THAT ISSUE
WHERE PEOPLE ARE NOT ABLE.
I FIGURE OUT HOW THEY'RE GONNA
REBUILD THEIR HOME IN A SHORT
PERIOD OF TIME SO --
REALLY APPRECIATE THAT TWENTY
FORM OF PROVISION THANK YOU.
ANY OTHER COMMENTS OR QUESTIONS
ABOUT MISTREATMENT THANK YOU FOR
YOUR GOOD WORK IN THIS AREA.
THE BILL ALSO ENJOYS THE OTHER
CHAIR SUPPORT I WANT TO JUST
CLARIFY THAT THE AMENDMENTS
YOU'RE TAKING ARE NOTED --
IN THE STAFF REPORT.
YOU MENTIONED THE URGENCY THERE
WAS US ANOTHER SUGGESTED MAMMON
ABOUT.
ABOUT THE FORMS --
I WOULDN'T WOULDN'T GO INTO
EFFECT UNTIL JULY FIRST.
TWENTY NINETEEN THAT ARE YOU
OKAY WITH THAT [inaudible]
YES.
HERE IS HERE OKAY ARE ANYTHING
ELSE IN THAT.
ARE I DID THINK I HEAR A MOTION
FROM SENATOR GALGIANI TO MOVE
THE BILL.
AND WITH.
OUR DON'T HAVE A QUORUM AT SEE
ONE SHOOT UP WERE STILL SHORT
SO.
I AM SORRY ASSEMBLY MEMBER.
DESPITE THE BRIDE AND WOOD DEEP
SUPPORT FOR YOUR MEASURE AND I
HAVE TO HOLD OFF FOR A COUPLE
MINUTES THANK YOU.
BUT TELL YOU WELCOME NOW TO
PRESENT ANOTHER BILL THAT YES I
AM A THAT'S ITEM TEN AB TWENTY
EIGHT OR TWO YES THANK YOU
MISTER CHAIR --
AND I'D LIKE TO THANK YOU AND
YOUR STAFF FOR THE YOUR DILIGENT
WORK ON THIS BILL WHICH WE PAY
WE CALL OUR PAY KIDS FIRST BILL.
AND WE WILL GLADLY ACCEPT THE
COMMITTEE AMENDMENTS AS LAID OUT
IN THE ANALYSIS I APPRECIATE THE
QUESTION REGARDING SOME PORTION
OF BENEFITS UNDER DISABILITY
POLICY TO BE --
WITHHELD FOR INCOME WE'VE WORKED
SO WITH THE INSURANCE INDUSTRY
VERY CLOSELY THIS COMMITTEE AND
SENATE JUDICIARY COMMITTEE ON A
COMPROMISE THAT SETS UP A
MANDATORY INSURANCE INTERCEPT
HIM AND PROGRAM.
A VOLUNTARY PROGRAM THAT THE
DEPARTMENT OF CHILD SUPPORT
INSURANCE HAVE INCREASINGLY
COLLABORATED ON SINCE.
TWO THOUSAND ELEVEN A AB TWENTY
EIGHT OR TWO WOULD REQUIRE AN
INSURER IN COOPER. TO IDENTIFY
INSURANCE CLAIMANTS WHO --
PAST DUE CHILD SUPPORT INTERCEPT
THEIR INSURANCE PAYMENTS AND
DIVERT THAT INCOME TO THE
CHILDREN.
WHO HAVE NOT RECEIVED A CRITICAL
INCOME THAT THEY RELY OUT AND TO
WHICH THEY ARE LEGALLY ENTITLED?
MANY FAMILIES WHO RECEIVE CHILD
SUPPORT OFTEN DEPENDED ON THIS
INCOME TO MAKE ENDS MEET.
RECENT ESTIMATES FROM THE
DEPARTMENT OF CHILD SUPPORT
SERVICES SHOW THAT THERE ARE
APPROXIMATELY SEVEN HUNDRED AND
FORTY FIVE THOUSAND OPEN CHILD
SUPPORT CASES WITH PAST DUE
BALANCES.
IN TWO THOUSAND SEVENTEEN THE
TOTAL AOUNT OWED AND PAST TO
CHILD SUPPORT WAS SEVENTEEN
POINT FIVE BILLION DOLLARS.
THERE ARE VOLUNTARY INSURANCE
INTERCEPT PROGRAMS LAST YEAR
CALIFORNIAN STEPPED ON
INTERCEPTION INTERCEPTED ONLY
FOUR MILLION DOLLARS A SEVEN
OTHER STATES CURRENTLY OPERATES
SUCCESSFUL MANDATORY INTERCEPT
PROGRAMS LIKE THE ONE WE'RE
SEEKING TO ESTABLISH.
WHEN TEXAS FIRST IMPLEMENTED
THEIR STATEWIDE INSURANCE IN A
SEPARATE ROOM IN TWO THOUSAND
NINE THEY SAW ON INITIAL HUNDRED
AND 84% INCREASE IN CHILD
SUPPORT COLLECTIONS AND
COLLECTED AROUND SIXTY FIVE
MILLION DOLLARS?
LAST YEAR ALONE.
AB TWENTY EIGHT OH TWO IS
NECESSARY TO ENSURE THAT
CHILDREN WHO DEPEND ON CHILD
SUPPORT IS A SOURCE OF INCOME
RECEIVE WHAT THEY DESERVE.
HERE TO SPEAK IN SUPPORT IS
KATIE ENTERS OF CHILDREN NOW AND
ROBERT HER AL DEPUTY
COMMISSIONER OF LEGISLATIVE
AFFAIRS FOR THE CALIFORNIA
DEPARTMENT OF INSURANCE ARE
RESPECTFULLY REQUEST AN AYE
VOTE.
THANK YOU STANDARDS.
GOOD AFTERNOON I'M MISTER TERRY
MEMBERS OF THE COMMITTEE MANY
MISS KITTY ANDREW I'M A SENIOR
ASSOCIATE AT CHILDREN NOW.
WE ARE AT A LEADING NONPARTISAN
RESEARCH POLICY DEVELOPMENT --
ADVOCACY ORGANIZATION DEDICATED
TO PROMOTING CHILDREN'S HEALTH
AND EDUCATION IN CALIFORNIA AND
WE RESPECTFULLY REQUEST YOUR
SUPPORT ON AB.
TWENTY EIGHT OH TO CHILD SUPPORT
IS CRITICAL INCOME FOR ELIGIBLE
FAMILIES UNFORTUNATELY MOST
FAMILIES ARE NOT RECEIVING ALL
OF THE MONEY THAT THEY ARE OWED
--
AS THE ASSEMBLY MEMBER JUST SAT
IN CALIFORNIA ALONE THE TOTAL
AMOUNT OF UNPAID CHILD SUPPORT
IS NEARLY EIGHTEEN BILLION
DOLLARS AND OVER A HUNDRED
SIXTEEN BILLION IN UNPAID CHILD
SUPPORT.
IS DUE TO FAMILIES ACROSS THE
COUNTRY SEVEN OTHER STATES THAT
CREATED MANDATORY INSURE
PARTICIPATION PROGRAMS
CALIFORNIA'S PROGRAM IS
VOLUNTARY WITH LESS THAN 20% OF
IN SHORE IS PARTICIPATING.
IN CASES WHERE NON CONCILIO
PARENTS --
ARE NON COMPLIANT THEIR SUPPORT
INSURANCE INTERCEPTS CAN PROVIDE
A CRUCIAL LIFELINE TO FAMILIES
STRUGGLING TO MAINTAIN FINANCIAL
STABILITY.
AB TWENTY EIGHT OR TWO WOULD
REQUIRE INSURANCE COMPANIES TO
PARTICIPATE IN A LONG
ESTABLISHED PROVEN INTERCEPT
PROGRAM TO COURT IN ORDER TO
FACILITATE COLLECTION OF OVERDUE
CHILD SUPPORT.
AND TO ME DIDN'T EXCUSE ME AND
TO HELP IMPROVE THE QUALITY OF
LIFE FOR CHILDREN IN CALIFORNIA.
IT IS TIME FOR CALIFORNIA TO
MAKE FINANCIAL SUPPORT A REALITY
FOR CHILDREN IN THE STATE AND I
RESPECTFULLY REQUEST YOUR AYE
VOTE.
THANK YOU MISTER.
MISTER A DIFFERENT AGAIN MISTER
CHAIRMAN AND MEMBERS ROBERT WHO
WROTE WITH THE DEPARTMENT OF
INSURANCE I OR THE SPONSOR OF
THIS MEASURE BEEN WORKING ON
THIS FOR A FEW YEARS NOW.
AND THIS YEAR WERE PLEASED TO
SAY THAT LOOKS LIKE EVERYTHING
IS COALESCED --
WHICH IS WHY THIS BILL HAS
RECEIVED BROAD BIPARTISAN
SUPPORT THROUGHOUT THE PROCESS
AND WE ARE DRIVE UP.
IF YOU VERY MUCH OF THEIR OTHER
WITNESSES IN FAVOR [inaudible]
FORWARD.
CHAIR MEMBERS JOHN SHRIEKING AT
THE ASSOCIATION CALIFORNIA LIFE
AND HEALTH INSURANCE COMPANIES
WANT TO THANK THE AUTHOR YOU
COMMITTEE STAFFER THE SPONSORS
FOR CONTESTED OR SOME OF OUR
CONCERNS.
AND SPOKESMEN LONGTIME THE
MAKING BERKELEY SUPPORT GIVE.
GOOD AFTERNOON SHERRY MCKEE
REPRESENTED THE PACIFIC
ASSOCIATION DOMESTIC INSURANCE
COMPANIES AND SUPPORT ABOUT
THANK YOU.
PARK SECOND PROPERTY CALENDARS
ASSOCIATION AMERICAN SUPPORT OF
THE BILL [inaudible]
THANK YOU.
TARA BECAUSE PERSONAL INSURANCE
FEDERATION CALIFORNIA IN SUPPORT
OF THE BILL.
A KEY MISS CROSS ANY OTHER
WITNESSES IN FAVOR.
ARE ANY WITNESSES IN OPPOSITION
THANK YOU COME FORWARD.
GOOD TO SEE THAT.
ALRIGHT WE'RE GONNA BRING THEM.
THE MEASURE BACK TO THE
COMMITTEE OTHER COMMENTS OR
QUESTIONS.
ALL RIGHT I WE CAN'T WITH A BILL
YET BECAUSE WE DON'T HAVE A
QUORUM.
BUT I WOULD SAY --
MISTREATMENT THANK YOU FOR YOUR
GREAT WORK IN THIS AREA THERE'S
GONNA BE A LOT OF KIDS THAT.
WILL BE BETTER OFF BECAUSE OF
YOUR WORK ON THIS BILL ON THE
FOR SUPPORTING AND AN
ENTERTAINING EMOTION WHEN WE
HAVE A QUORUM SO YOU FEEL VERY
THANK YOU VERY MUCH THANK YOU.
OKAY MISTER DALY COME ON OUT HOW
ARE YOU TODAY.
YOU I'M EXCELLENT THANK YOU VERY
MUCH MISTER CHAIR WELCOME
[inaudible]
GOT.
TO I BELIEVE SIMPLE BILLS.
AT THE FIRST IS --
AB THIRTEEN SEVENTY THREE THAT'S
ITEM ONE ON OUR AGENDA.
PLEASE GO FORWARD.
THIS BILL REQUIRES INSURERS TO
PROVIDE TO CONSUMERS AN ANNUITY
BUYING GUIDE PRIOR TO A
TRANSACTION.
ARE I WOULD LIKE TO ACCEPT THE
AMENDMENT SUGGESTED IN THE
COMMITTEE ANALYSIS THAT WILL
ALLOW GROUP LIFE INSURANCE
POLICIES TO COVER FORMER
EMPLOYEES AND RETIREES.
FROM THE ASSOCIATION OF
CALIFORNIA LIFE AND HEALTH
INSURANCE COMPANIES JOHN
CHIRIQUI AND IS HERE TO TESTIFY
IN SUPPORT OF THE BILL THANK YOU
MISTER DALY.
YES SIR.
MISTER MEMBERS JOHN SHRIEKING
ASSOCIATION THE CALIFORNIA LIFE
AND HEALTH INSURANCE COMPANIES.
AB THIRTEEN SEVENTY THREE IS A
SIMPLE BUT IMPORTANT MEASURE
THAT'LL PROVIDE INSURERS AND
EMPLOYERS WITH OP TREATED OFFER
RETIRING EMPLOYEES THE OPTION TO
MAINTAIN THEIR GROUP LIFE
INSURANCE BENEFITS.
WE THINK THAT'S A SIGNIFICANT
PROGRAM CONSUMER BENEFIT AND WE
RESPECT LAST RIVAL.
THANK YOU VERY MUCH ANY OTHER
WITNESSES IN FAVOR.
GOOD AFTERNOON CHEROKEE
REPRESENT THE NATIONAL
ASSOCIATION OF INSURANCE AND
FINANCIAL ADVISORS AND SUPPORT
THE BILL THANK YOU THANK YOU.
GOOD AFTERNOON MISTER CHAIRMAN
MEMBERS ARE HURLED THE
DEPARTMENT OF INSURANCE WE HAVE
NO OFFICIAL POSITION ON THE BILL
THIS TIME APPRECIATE THE AUTHOR
AND THE SPONSOR --
MOVING THIS OVER FROM ANOTHER
BILL INTO THIS BILL COUPLE OF
AYE DADDY TEACH CROSSING KINDS
OF THINGS THAT SAYS --
APPRECIATE OUR THE EFFORT THANK
YOU THANK YOU ANY OTHER
WITNESSES IN FAVOR ARE THERE ANY
OTHER WITNESSES IN OPPOSITION.
PLEASE COME FORWARD.
LAST CALL.
OKAY BRING THE MATTER BACK TO
THE COMMITTEE FOR ANY COMMENTS
TO OUR DISCUSSIONS ANY ANY
MEMBER ANYONE TO SAY.
THANK YOU THAT MR DAILY FOR FINE
BILL.
AND ALTHOUGH WE HAVE A GREAT
COLLECTION OF SENATORS HERE AT
THIS MOMENT THE UNFORTUNATE
THERE'S A FEW THAT ARE WATCHING
AT HOME.
ITSELF AS SOON AS THEY GET YOU
WILL GET A QUORUM AND OUTLOOK
FOR TO MOVING THAT BILL SO ACUTE
YOU HAVE ONE MORE BEFORE US.
YES -- THIS
IS IN A THE ASSEMBLY INSURANCE
COMMITTEE OMNIBUS BILL AND IT
MAKES A NUMBER OF WHAT I'VE
THAT'S ITEM.
THREE LET ME JUST IS THAT RIGHT
LET ME JUST CLARIFY --
ARE YOU DOING THREE OR FOUR IF
THAT'S WHAT'S WHAT'S THE BILL
NUMBER BE TWO ZERO FOUR FIVE YET
SO THAT CURRENTLY LET ME MENTION
THAT BILL --
IS ON CONSENT WE'RE GONNA PULL
THAT OFF YOU CAN SERVE THE
PRESENTS ITS ROUTE BECAUSE I
THINK THERE IS A QUESTION ABOUT
IT SO MUCH WHEN I CLARIFY.
FOR THE MEMBERS WHO ARE WERE
FAMILIAR WITH THE CONSENT
CALENDAR OKAY I THAT WE'RE GONNA
WIN IT REMOVE THAT FOR THE
PURPOSES OF HAVING THIS
DISCUSSION I UNDERSTOOD THAT IT
WAS ON CONSENT AND THEN MEN HAD
BEEN MOVEDALL I HAD NOT MADE
THAT OFFICIAL ANNOUNCEMENT WHICH
IS NOW.
BEEN COMPLETED SO YOU MAY GO
FORWARD BUT WE'RE CERTAINLY
ACCEPTING OF THE AMENDMENT
SUGGESTED IN THE COMMITTEE
ANALYSIS.
AND WITHOUT ALL RESPECTFULLY
REQUEST YOUR AYE VOTE.
OKAY TERRIFIC I KNOW WE HAVE A
QUESTION FROM THE HERE BUT LET'S
SEE IF WE HAVE ANY WITNESSES
THAT -- WHO
WOULD LIKE TO TESTIFY IN FAVOR
OF THIS BILL?
THE GOOD AFTERNOON MISTER
CHAIRMAN ROBERT HURLED THE
DEPARTMENT INSURANCE THIS IS THE
OMNIBUS BILL --
IF AND WHEN THE QUESTION COMES
UP WE'RE HAPPY TO TRY TO ANSWER
ANY CLARIFICATION THAT MAY BE
NECESSARY VERY GOOD THANK YOU.
AND ANY OTHER WITNESSES IN
FAVOR.
MARIA GARCIA WITH GREENBERG
TRAURIG ON BEHALF OF THE
NATIONAL PEACE OFFICERS AND
FIREFIGHTERS BENEFIT ASSOCIATION
AND SUPPORT RIGHT THANK YOU VERY
MUCH ANY OTHER WITNESSES IN
FAVOR.
OKAY ANY WITNESSES IN OPPOSITION
COME FORWARD.
I THINK THERE ARE SOME QUESTIONS
THAT NOW WE FINISHED OUR PUBLIC
PORTION.
MISTER CHAIR I NEGLECTED TO SAY
THAT WE ARE.
OF REMOVING SECTION FOURTEEN
FROM THE BILL WHICH I THINK WAS
THE THE CONCERN [inaudible]
AND IT INVOLVES SET A FEE FOR
LIFE SETTLEMENT BROKERS AND
WE'RE HAPPY TO REMOVE THAT FROM
THE BILL [inaudible]
OKAY.
ALRIGHT SO THAT NOW WE CLARIFIED
THAT MAYBE THAT RESOLVES ALL THE
QUESTIONS FROM OUR WONDERFUL
PANEL HERE TODAY MISTER WALLACH.
OKAY SOUNDS LIKE IT IT HAS BEEN
DONE THAT WAY AND I DO CO
ANOTHER DISTINGUISHED SENATOR
ARRIVING WHICH MAY GET US TO A
QUORUM.
SO IF YOU WANNA.
SIT NEAR SEATS THERE LET'S SEE
IF WE CAN ESTABLISH ITS OF THE
SECRETARY WOULD TAKE THE ROLE.
LATER HEAR WHICH PRESIDENT
GAINES.
PRESIDENT.
BERRYHILL GALGIANI.
PRESIDENT WITH ANAND IS
HERTZBERG HUESO.
LARA MITCHELL.
ASSEMBLY MITCHELL THREATENED
MORE LOT.
MORE LIKE PRESENT MORALE
PORTANTINO.
WHEN TO HEAR?
ROTH.
ROUGH HERE ALRIGHT WE HAVE A
WONDERFUL QUORUM OF
DISTINGUISHED MEMBERS --
SO IF --
GIVEN THAT I'M LOOKING FOR A
MOTION. TO SUPPORT THE AB TWENTY
FORTY FIVE WITH THE AMENDMENTS
THAT SUBMITTED IN THE STAFF
REPORT PLUS THE REMOVAL OF THE
FEE IN SECTION.
FOURTEEN AS THE AUTHOR.
WE HAVE A DO SIX WEEK FIRST
MISTER MISTER WALLACH BAZAR DID
YOU MAKE THAT MOTION
[inaudible]
SHE ALRIGHT SENATOR GALGIANI IS
MADE THAT MADE THEM [inaudible]
OKAY.
THE BILL'S BEEN MOVED AS AMENDED
ANY FURTHER COMMENTS NOT.
WE WILL CALL THE ROLL THIS IS AB
[inaudible]
TWENTY FORTY FIVE ITEM.
THREE GOOD YEAH OKAY AB ARE.
I AM THREE AB TWENTY FORTY FIVE
D. PASSED AS AMENDED TO
APPROPRIATIONS.
JERRY GLAZER AYE LEADER I AM BY
CHERYL GAINES.
GAINES AYE BERRYHILL GALGIANI.
GALGIANI AYE HERNANDEZ
[inaudible]
HERTZBERG [inaudible]
HUESO [inaudible]
LARA.
OF I LOWER AYE.
MITCHELL.
MITCHELL AYE MORE LOT.
WARLOCK AYE MORRELL [inaudible]
PORTANTINO.
PORTANTINO AYE ROTH [inaudible]
PLUS I I MISS REALLY THAT BAD A
BILL ENJOYS EIGHT VOTES IN FAVOR
WE'RE GONNA KEEP THE ROLE OF AN
FOR ABSENT MEMBERS I KEEP BUT
STAY TUNED IT OUT ANOTHER BILL
WE JUST HEARD A MOMENT AGO
MEMBERS IT'S ITEM ONE A. B..
THIRTEEN SEVENTY THREE THINK
THIS BILL ENJOYS SUPPORT FROM
BOTH SIDES LOOKING FOR A MOTION
ON THAT.
ONE LOOK BY MISTER ROTH --
WITHOUT ANY FURTHER ADO LET'S
CALL THE ROLL AB THIRTEEN
SEVENTY THREE BY MISTER DALY.
AS AMENDED YES THANK YOU.
A. B..
THIRTEEN SEVENTY THREE THE
MOTION IS TO PASS AS AMENDED TO
APPROPRIATIONS.
SHARE GLAZER AYE AYE LEISURE AYE
LAST YEAR GAINES.
GAINES AYE BERRYHILL
[inaudible]
GALGIANI.
GALGIANI AYE HERNANDEZ
[inaudible]
HERTZBERG [inaudible]
HUESO.
LARA.
LAURA AYE MITCHELL.
MITCHELL AYE MORE Y.. FOR LACK
OF TIME MARINO [inaudible]
PORTANTINO PORTANTINO AYE ROTH.
ROTH AYE IT'S REALLY THAT BILL
ENJOYS A WEALTH OF SUPPORT BUT
WE'RE GONNA KEEP THE ROLE OPEN
FOR ABSENT MEMBERS THANK YOU ALL
VERY MUCH APPRECIATED OKAY
MEMBERS WE DID HEAR PRIOR TO S.
SUMMER --
FOLKS ARRIVING MISTREATMENT
PRESENTED TO BILLS.
OUGHT TO US --
ITEM EIGHT AND ITEM TEN ON OUR
AGENDA -- WE
HAD A WONDERFUL DISCUSSION OF
THE ITEM EIGHT AB TWENTY FIVE
NINETY FOUR THE OFFICE AGREED TO
THE AMENDMENT SAYS NOTED IN THE
STAFF REPORT.
LOOKING FOR A MOTION ON PAT MOVE
BY SENATOR LARA WITHOUT FURTHER
DISCUSSION OR COMMENT LET'S.
CALL THE ROLL IN THE AB TWENTY
FIVE NINETY FOUR MOTIONS TO PASS
AS AMENDED TO APPROPRIATIONS
CHAIR GLAZER AYE AYE
[inaudible]
LATER I BY SHEER GAINES.
GAINES AYE BERRYHILL GALGIANI.
GOT YOU NINE AYE HERNANDEZ
[inaudible]
HERTZBERG [inaudible]
HUESO [inaudible]
LARA.
LARA AYE MITCHELL.
MITCHELL AYE MORRELL AYE.
MORLOCK AYE MORRELL [inaudible]
PORTANTINO.
PORTANTINO AYE ROTH.
ROTH AYE.
ALRIGHT THAT THAT THAT MEASURE
AS EIGHT VOTES WERE NOT LEAVE IT
ON CALL FOR ABSENT MEMBERS AND
FINDING THIS FRIEDMAN PRESENTED
ITEM TEN AB TWENTY GHETTO TO
THIS IS A TREMENDOUS BILL I'M
TRYING TO IMPROVE CHILD SUPPORT
COLLECTIONS.
AND WE HEARD SOME EXTRAORDINARY
STATISTICS ABOUT THE CLAIMS THAT
ARE OUTSTANDING FOR KIDS WHO ARE
N NEED.
I HEARD EMOTION FROM SENATOR
ROD.
YES I GUESS I'M SORRY.
THAT I THINK YOU FOR THE
CONVERSATION WE NEED NOT TAKE A
VOTE ON NO WE HAVE NOT ANYTHING
OUT.
I'M SURE THERE WAS SOME
EXTRAORDINARY DATA SHARED THIS
WHEN IT COMES TO CHILD SUPPORT I
THINK SOMETIMES --
GOVERNMENT'S INVOLVEMENT CAN BE
AN OVER REACH FOR SOME
COMMUNITIES I APPRECIATE --
YOU KNOW --
WHITE COLLAR NONCUSTODIAL WHO --
WALK AWAY FROM THEIR
RESPONSIBILITIES BUT THEY'RE
ALSO CAN BE A CHALLENGE WITH LOW
INCOME NONCUSTODIAL PARENTS --
WHO -- ARCH
STRUGGLING AND ARE TRYING TO
FIND ACCOMMODATIONS AND SO LET
ME JUST SAY THAT WHEN WE SEE
WHAT THE VOTE IS OUGHT TO
DETERMINE WHETHER I ADD ON TO
THE BILL OR NOT.
FROM AN ON SITE WAS HERE FOR THE
CONVERSATION TO THAT WOULD RAISE
IT THEN.
YES I THANK YOU SENATOR MITCHELL
FOR* THAT I THINK THE
STATISTICS THAT THEY PROVIDED
WERE SEVEN HUNDRED AND FORTY
FIVE THOUSAND OUTSTANDING --
THE CHILD SUPPORT OBLIGATIONS
TOTALING SEVENTEEN POINT FIVE
BILLION DOLLARS RIGHT IN AND
THERE'S NO QUESTION MY MIND THAT
IT'S THE IT'S A PROBLEM MIKE
MIKE MY CHALLENGES --
THE APPROACH WE TAKE AND WE
DON'T DIFFERENTIATE BASED ON YOU
KNOW THAT THE NATURE OF THE
IMPACT A COMMUNITY AND AN INCOME
OF NONCUSTODIAL PARENTS
SOMETIMES THAT CAN BE.
A CHALLENGE IN THAT IT DRIVES A
DEEPER WEDGE ON BETWEEN --
NON CUSTODIAL PARENTS CUSTODIAL
PARENT AND THE CHILD.
THAT'S ALL THANK YOU THANK YOU
SENATOR MITCHELL FOR FOR
PROVIDING THAT IMPORTANT
THOUGHTFUL LA.
PART OF THE CONVERSATION SO WITH
THAT MEMBERS --
ZERO A AN INTERCEPT OCEAN IN
MOVING THIS SITE THIS BILL.
TWENTY EIGHT OH TO SENATOR ROBB
THIS MOVE THE BILL.
THAT FURTHER COMMENT I'LL TAKE
THE ROLE.
PHOEBE TWENTY EIGHT OH TO THE
MOTION THIS DO PASS AS AMENDED
TO APPROPRIATIONS.
HERE GLAZER AYE GLAZER AYE VICE
CHAIR GAINES.
GAINES AYE BERRYHILL GALGIANI
GALGIANI AYE HERNANDEZ.
AYE HERTZBERG.
HUESO.
LAR.
MORRELL ON MORE LIKE AYE MARINO.
PORTANTINO.
PORTANTINO AYE ROTH.
LONGTIME.
ALRIGHT THAT CURRENTLY HAS SIX
VOTES AYE AYE WHAT IT FOR THE
RECORD MENTION THAT THE AUTHOR
DID --
EXCEPT THE AMENDMENTS THAT WERE
NOTED STAFF REPORT [inaudible]
IT SHOULD.
OKAY IS WE'RE GONNA KEEP THAT
ROLE OPEN AT SIX VOTES CURRENTLY
[inaudible]
ALRIGHT.
AND OUT MEMBERS OF IT'S OKAY I'D
LIKE TO NEXT COULD TURN TO THE
CONSENT CALENDAR.
WE HAVE TWO BILLS REMAINING ON
THE CONSENT CALENDAR.
ITEM FOR AB.
TWENTY FORTY SIX AND ITEM TWELVE
AB.
TWENTY NINE TWENTY SEVEN IS THAT
RIGHT CENTER LARA'S MOVE THE
CONSENT CALENDAR ANYBODY HAVE
ANY COMMENTS OR THOUGHTS AND
LET'S TAKE THE ROLE.
AB TWENTY FORTY SIX AND EIGHT
AND I'D --
AB TWENTY NINE TWENTY SEVEN ITEM
TWELVE THEY'RE BOTH --
DEEP HAS TO APPROPRIATIONS --
SHARE GLAZER AYE GLAZER AYE VICE
YOUR GAINSARE GAINES AYE
BERRYHILL.
GALGIANI.
GALGIANI I HEARD HERNANDEZ
[inaudible]
HERTZBERG.
HUESO.
LARA.
OR AYE MITCHELL.
MORE MORLOCK MORE LIKE I MARINO
[inaudible]
PORTANTINO.
PORTUGAL I'VE DRAWN.
ALRIGHT THE CONSENT CALENDAR
CURRENTLY ENJOYS.
EXPERTS WILL HOLD THE ROLE OF
CONTRAPTION MEMBERS MISTER
CALDERON IS HE THAT CORRECT
MISTER CALDERON YOU ARE NEXT
THANK YOU FOR YOUR PATIENCE
TODAY [inaudible]
WELCOME.
AND YOU HAVE ITEM SEVEN AB.
TWENTY THREE NINETY FIVE THANK
YOU MISREAD WHERE I THINK IT WAS
TURNED MEMBERS AB TWENTY THREE
NINETY FIVE IS ABOUT PREVENTION
AND PREPAREDNESS THIS BILL
ATTEMPTS TO HEAD OFF POTENTIAL.
LONG TERM CARE INSURANCE
INSOLVENCY BY REQUIRING ROBUST
REPORTING TO THE DEPARTMENT OF
INSURANCE AND PROVIDES
INFORMATION ON CLEAR GAS OF
WHICH IS THE CALIFORNIA LIFE AND
HEALTH INSURANCE GUARANTEE
ASSOCIATIONS CAPACITY. TO
PROTECT CONSUMERS IN THE EVENT
THAT AN INSOLVENCY TAKES PLACE
--
AS NOTED IN THE ANALYSIS I'M
HAPPY TO TAKE THE AMENDMENTS
THAT WERE REQUESTED BY THE
DEPARTMENT OF INSURANCE I
RESPECTFULLY ASK FOR AN AYE VOTE
WITH ME TO TESTIFY IN SUPPORT IS
JOHN TREE CAN.
FROM THE ASSOCIATION OF
CALIFORNIA LIFE AND HEALTH
INSURANCE COME AIR MEMBERS JOHN
STREET AND THE ASSOCIATION
CALIFORNIA LIFE AND HEALTH
INSURANCE COMPANIES.
EVERY TWENTY THREE NINE FIVE
INCREASE FINANCIAL SURVEILLANCE
OF THE LONG TERM CARE INSURERS
ARE REQUIRED PLEASE GET A CEMENT
AND REPORT TO THE SENATE AND
ASSEMBLY INSURANCE COMMITTEES.
REGARDING ITS CAPACITY TO ABSORB
FUTURE CLAIMS --
PARTIES OF ABILITY AND WE THINK
IT'S A FIRST --
IMPORTANT FIRST STEP IN
PROVIDING ENHANCE TRANSPARENCY
RESPECTFULLY ASK FOR AYE VOTE
RIGHT THANK YOU VERY MUCH OF THE
OTHER WITNESSES IN FAVOR.
MARIA GARCIA AND THE AT THE
STATE FARM INSURANCE IN SUPPORT.
THANK YOU SHERRY MCCUE REPRESENT
THE NATIONAL ASSOCIATION OF
INSURANCE AND FINANCIAL ADVISORS
AND SUPPORT THANK YOU.
TRACE SALINAS ON BEHALF OF NEW
YORK LIFE ALSO SUPPORT
[inaudible]
KEY.
MAUREEN HIGGINS ON BEHALF OF
ANTHEM IN SUPPORT.
GIVEN THE DRY REPRESENTING AETNA
AND SUPPORT.
THANK YOU.
JUST AS WELL THROW BEHALF OF
POTENTIAL SUPPORT BAIT THANK YOU
ANY OTHER WITNESSES IN FAVOR.
GOOD AFTERNOON MISTER CHAIRMAN
MEMBERS ROBERT WHO WROTE THE
DEPARTMENT OF INSURANCE WE HAVE
NO OFFICIAL POSITION ON THE BILL
THIS TIME HOVER WE'D LIKE TO
THANK THE AUTHOR AND THE
SPONSOR.
FOR WORKING WITH THE DEPARTMENT
ON AMENDMENTS THAT ARE REFLECTED
IN THE ANALYSIS AND WERE
ACCEPTED BY THE AUTHOR THANK YOU
GREAT THANK YOU VERY MUCH ANY
OTHER WITNESSES IN FAVOR.
OTHER WITNESSES IN OPPOSITION.
CLASS CALL ALRIGHT BRING THE
MATTER BACK TODAY.
THE COMMITTEE FOR COMMENT OR
QUESTIONS ANY COMMENTS OR
QUESTIONS.
BY SHEER GAINES IS MOVE THE BILL
ANY FURTHER COMMENTS SEEN NINE
LET'S CALL THE ROLL.
THIS IS THE BILL AS PRESENTED
OUT WITH THE AMENDMENTS ACCEPTED
BY THE AUTHOR AB TWENTY THREE
NINETY FIVE MOTIONS TO PASS AS
AMENDED TO APPROPRIATIONS.
HERE GLAZER AYE LEISURE AYE VICE
YOUR GAINS ARE GAINES AYE.
BERRYHILL [inaudible]
GALGIANI.
GALGIANI AYE HERNANDEZ
[inaudible]
HERTZBERG HUESO.
LARA AYE LARA AYE MITCHELL
MITCHELL AYE MORE ALIVE.
WELL LIKE I MARINO [inaudible]
PORTANTINO.
PORTANTINO AYE ROTH.
BUT THAT BILL AT MISTER CALDERON
ENJOY SEVEN VOTES WILL HOLD THAT
MATTER OPEN.
UNCALLED FOR ABSENT MEMBERS
THANK YOU VERY MUCH.
ALRIGHT NEXT UP IS MISTER
BIGELOW THANK YOU FOR YOUR
PATIENCE THANK YOU MISTER
CALDERON [inaudible]
BIGELOW WELCOME.
THANK YOU MISTER CHAIR THE
YOU'RE PRESENTING ITEM FIVE AB.
TWENTY ONE FORTY TWO THAT'S
CORRECT THANK YOU.
WELL GOOD AFTERNOON FIRST I'D
LIKE TO BEGIN BY THANKING THE
COMMITTEE STAFFER WORKING
CLOSELY WITH MY STAFF AND THE
SPONSOR.
I WILL BE ACCEPTING THE
AMENDMENTS AS LAID OUT IN THE
COMMITTEE ANALYSIS IN ADDITION
TO WHAT IS REFLECTED IN THE
ANALYSIS I'VE AGREED ON AN
AMENDMENT TO LIMIT THE INSURANCE
COMMISSIONERS DISCRETION TO
DELAY FINANCIAL.
EXAMS TO AN ADDITIONAL A TWO
YEARS.
MISTER CHAIR OF THE TWENTY ONE
FORTY TWO IS DESIGNED TO CREATE
A STREAMLINED FINANCIAL SET OF
EXAMS FOR CALIFORNIA'S HOME
WARRANTY COMPANIES WHICH OFFER
LOCAL SHORT TERM PRODUCTS TO
HOMEOWNERS. TO REPAIR OR REPLACE
APPLIANCES WITH ME TODAY IS
MISTER MICHAEL OF TO HELP ANSWER
ANY QUESTIONS THE SPONSOR OF
THIS PARTICULAR BILL IF YOU GIVE
A BRIEF MOMENT.
TO ADDRESS US I WOULD APPRECIATE
IT ABSOLUTELY WELCOME SIR THANK
YOU MISTER CHAIRMAN MEMBERS MIKE
BALOGUN BEHALF THE NATIONAL HOME
SERVICE CONTRACT ASSOCIATION HAS
THE ANALYSIS NOTES.
BUT THESE HOME WARRANTY PLANS
TYPICALLY TRANSFERRED INTO HOME
PURCHASE A BOUGHT BY THE SELLER
CONVEYED TO THE BUYER TO HELP
PROTECT THEM.
IN THE EARLY TERM OF THEIR
OWNERSHIP IN CASE AN APPLIANCE
FAILS THERE A LOW COST SHORT
TERM PRODUCT MANY STATES DON'T
TREAT THE MAD AS INSURANCE AT
ALL -- THERE
THERE HAVE BEEN --
SOME.
CHAU EXAM ACTIVITIES BEEN A
LITTLE MORE THAN NECESSARY AND
WE'VE ENGAGE THE DEPARTMENT OF
INSURANCE IN A DISCUSSION ON
THAT WE APPRECIATE THEIR THEIR
THE SPIRIT THEY BROUGHT TO THE
DISCUSSIONS THEY BELIEVE THEY
CAN STREAMLINE THE APPROACH A
LITTLE BIT.
SAVE EXAM BECAUSE STILL PROTECT
CONSUMERS AND SO WE WOULD ASK
FOR AN AYE VOTE THANK YOU.
A ANY OTHER WITNESSES IN FAVOR.
GOOD AFTERNOON MISTER CHAIRMAN
ROBERT HURLED THE DEPARTMENT OF
INSURANCE AGAIN WE HAVE NO
OFFICIAL POSITION ON THIS BILL
WE HAVE ENGAGED IN A SERIES OF
NEGOTIATIONS CONVERSATIONS WITH
THE AUTHORS OFFICE AND THE
SPONSOR.
THAT MR BLOAT CORRECTLY
CHARACTERIZED IT WILL CONTINUE
TO WORK A LITTLE BIT ON THIS BY
TIME -- IT'S
BEEN A GOOD FAITH EFFORT ON ALL
PARTS OF PER SHEET THAT THANK
YOU AND THANK YOU VERY MUCH ANY
OTHER WITNESSES IN OPPOSITION.
I'LL BRING THE MATTER BACK TO A
TO US I WANT TO SAY THANK YOU
MISTER BIGELOW FOR YOUR WORK IN
THIS AREA AND FOR WORKING ITH
MY STAFF.
ON THE ON THE BILL AS WELL AS
THE AMENDMENTS I THINK IT'S IN
GOOD SHAPE AND THAT'S SOMETHING
I'M HAPPY TO SUPPORT TODAY.
MR THAT MOTION OR YOU WANT TO
SPEAK [inaudible]
OKAY.
CERTAINLY MISTER WALLACH WELCOME
SURE I JUST A CLARIFICATION SO I
COULD SEE IN THE BILL BUT OUT
WHEN YOU'RE ASKING.
TO TO LOOK AT THE MOST RECENT
ANNUAL FINANCIAL STATEMENT OF
FINANCIAL BRIDGES AT THE AUDITED
FINANCIAL STATEMENTS.
THERE IS NOT PRESENTLY A
FINANCIAL AUDIT REQUIRED THE
DEPARTMENT HAS THE ABILITY TO
COME IN WHENEVER THEY WANT.
HANA FINANCIAL EXAM OR MARKET
CONDUCT EXAM AND SO THEY EFFORT
BUT ESSENTIALLY CONDUCTING THE
AUDIT BUT WE ALSO SUBMIT
UNAUDITED A FINANCIAL
INFORMATION EVERY YEAR.
WILL THERE BE A COMPILATION OR
REVIEW.
IT IS A NOT IT IS CLOSER TO A
COUPLE IN THEIR OUR FINANCIALS
THAT WE SUBMIT TO THE DEPARTMENT
THEY'RE ABLE TO VERIFY THAT TO
MAKE SURE THAT THE THE NUMBERS
ARE ACCURATE.
THEN THEY CAN DO A FINANCIAL
EXAM WHENEVER THEY WANT.
IF IT WERE AN AUDITED FINANCIAL
STATEMENT WOULD NOT SHORT CUT IT
A LITTLE BIT.
IF YOU LEAST KNOW YOU GOT A
OUTSIDE INDEPENDENT CPA FIRM
THAT.
ALLOW THE TO OR THROUGH THE
CHAIR I'M SORRY --
THE OUR BELIEF IS THAT THE
DEPARTMENT HAS TOLD US THEY ARE
LOOKING FOR THINGS OTHER THAN
WHAT A TYPICAL FINANCIAL AUDIT
WOULD LOOK AT THAT IS COMPLIANCE
WITH VARIOUS PROVISIONS IN THE
INSURANCE CODE.
AND PERHAPS I SHOULD TURN TO THE
DEPARTMENT [inaudible]
RALPH.
I THINK YOU MET VERY MUCH UP
MISTER CHAIRMAN --
CENTER MORE LIKE --
YOUR QUESTION ACTUALLY CAN HITS
IT RIGHT ON THE HEAD BECAUSE SHE
SHOULD HAVE BEEN FOCUSED ON I'M.
BUT THE EXAM ISSUE THAT SOME OF
MR BLOWS CLIENTS HAVE HAD ISSUES
WITH -- IS
ONE THINGS WE'VE DISCUSSED IN
LIEU OF THAT FOR LESS FREQUENT
EXAMS WE WOULD NEED TO SEE SOME
INFORMATION THAT HAS BEEN IN
FACT INDEPENDENTLY VERIFIED.
A THAT IS THE KEY --
THE MORE THAT WE HAVE
INFORMATION THAT IS
INDEPENDENTLY VERIFIED AS TO THE
SITUATION OF THE COMPANY THE
BETTER OFF WE'LL BE.
ACKNOWLEDGING AS MR BELOW DOWN
THE AUTHOR POINTED OUT THAT IF
WE NEED TO WE CAN GO WIN FOR
MORE DETAILED EXAMS WERE TRYING
TO MAKE THIS MAKE THE MOST SENSE
KIND OF WORKING SMARTER NOT
HARDER.
IF YOU WILL BUT YOUR QUESTION IS
EXACTLY ON POINT TO ONE OF THE
MAIN OPICS WE'VE BEEN AND
CONVERSATIONS WITH FOR THE PAST
COUPLE MONTHS.
THANKS FOR GIVING ME THAT AWARD
I'M.
IT WOULD SEEM TO ME THAT.
INSURANCE COMPANIES WOULD HAVE
TO HAVE AN ANNUAL.
AUDIT I MEAN THAT WOULD JUST BE
LIKE.
THAT WOULD JUST GO WITHOUT EVEN.
YOU KNOW THEY JUST THEY WERE
THEY WOULD AND AND AND HERE IN
LIES PART OF THE ROAD AS WELL AS
THAT THESE ARE NOT NECESSARILY
TREATED AS INSURANCE COMPANIES.
RIGHT AND SO YOU'D THEIR SORT OF
NEITHER FISH NOR FOWL WE HAVE
SOME RESPONSIBILITIES AND
OBLIGATIONS AS A REGULATOR BUT
NOT IN THE WAY THAT WE REGULATE
INSURANCE COMPANIES PER SE.
SO THAT'S WHAT THE CREATES THE
SORT OF UNIQUE SITUATIONS THAT
OF LETS.
US TRYING TO DROUGHT WHAT'S
DEEPER A CORRECT APPROACH.
WE CAN GET INDEPENDENTLY
VERIFIABLE INFORMATION THAT IS
USABLE BY THE DEPARTMENT.
AS OPPOSED TO RESPECTFULLY JUST
ASKING THE COMPANY EVERYTHING
GOOD SURE EVERYTHING'S GOOD
WE'VE NEVER HAD A COMPANY THAT
WENT AND SAW THAT THAT DIDN'T
SAY EVERYTHING WAS FINE.
UP UNTIL THE MOMENT THAT WHEN
IT'S ALL THAT NOT THAT WE'RE
SUGGESTING THAT'S PARTICULAR
PROBLEM IN THE SECTOR.
COULDN'T WE DIDN'T WHEN YOU GO
AND HOW DO YOU DETERMINE.
THE ACCURACY OF THE RESERVE
ACCOUNT.
WELL THAT THAT'S PART OF THE
ISSUE WE HAVE SOME EXPERTS HERE
FROM THE FINANCIAL SERVICES A
BUREAU THAT CAN TALK TO THAT IN
MORE DETAIL NOT SURE IF THE
COMMITTEE WANTS TO GO THERE MY
SENSE IS THEY DON'T.
AYE BUT WE'RE HAPPY TO FOLLOW UP
SO THAT WE CAN LET YOUR OFFICE
KNOW KIND OF WHAT WE DO AND HOW
WE DO IT IF THAT'S HELPFUL.
NO I'M JUST TRYING TO GET. TO
READ THE WHOLE THING UNDERSTOOD
IN YOUR IT'S COMPLETELY ON POINT
TO WHAT WE'VE BEEN TALKING ABOUT
THE PAST COUPLE MONTHS HOW WE
CAN GET.
THE MAXIMUM AOUNT OF
INFORMATION INDEPENDENTLY
VERIFIABLE --
TO ELECT THESE COMPANIES --
DO WHAT THEY NEED TO DO BUT ALSO
HAVE SOME SOME VERIFICATION.
DO YOU THINK YOU.
THANK YOU SENATOR MORE LOCK.
AND LET ME UNLESS THERE'S ANY
FURTHER COMMENT TO SAY THAT.
THIS THIS MEASURE THAT'S BEFORE
US AS AMENDED DOESN'T EXEMPT
THESE HOME PROTECTION COMPANIES
FROM ROUTINE FINANCIAL EXAMS
THAT PROVIDE SOME DISCRETION. TO
THE INSURANCE COMMISSIONER UNDER
CERTAIN CONDITIONS TO US. TO
MAKE GOOD CHOICES ABOUT HOW THEY
AND I WOULD ADD THAT.
AS AYE AYES AYE GOT TO
UNDERSTAND THIS ISSUE A LITTLE
BIT MORE OF A LITTLE OVER THE
LAST WEEK THAT.
BUT THERE WERE SOME IMPORTANT
QUESTIONS BEING RAISED ABOUT
THESE EXAM COSTS.
AND SO I APPRECIATE THE THE
AUTHOR AND I APPRECIATE THE
DEPARTMENT'S WILLINGNESS.
TO TAKE A CAREFUL LOOK AT THE
EXAM PROCESS IN THE COSTS AS IT
RELATES TO THOSE.
THOSE THAT HAVE THOSE EFFORTS SO
THAT WE CAN BE SURE IT'S
APPROPRIATELY BALANCE SO THANK
YOU FOR THE DEPARTMENT OF
INSURANCE THANK YOU.
MISTER BIGELOW THAT NOTHING
FURTHER ON THE I THINK I SENATOR
LARGE DID YOU WANNA MOVE THAT
FILM.
OKAY BILL'S BEEN MOVES.
AND WHO COULD ASKED THE BALL TO
BE TAKE THE VOTE TO BE TAKEN.
AB TWENTY ONE FORTY TWO MOTIONS
TO PASS AS AMENDED TO
APPROPRIATIONS HERE GLAZER AYE
GLAZER AYE CHAIRED VICE YOUR
GAINS ARE GAINES AYE BERRYHILL.
GALGIANI [inaudible]
HERNANDEZ HERTZBERG HUESO LAR.
FLOOR AYE MITCHELL.
MITCHELL AYE MORRELL AYE
[inaudible]
MORRELL PORTANTINO.
PORTANTINO AYE ROTH.
ISRAEL THE THAT --
BILL ENJOYS FIVE VOTES AT THE
MOMENT WE'RE GONNA HOLD THE
WORLD OPEN TRAPS IN MEMBERS
THANK YOU FOR YOUR WORK IN THIS
AREA [inaudible]
I MEMBERS.
ONCE YOU GET CHICKEN FASTER
GLANCE AT OKAY WE'RE LOOKING FOR
SOME -- A
COUPLE MORE ASSEMBLY AUTHORS TO
FINISH OUR WORK HERE TODAY
[inaudible]
I KNOW [inaudible]
YES [inaudible]
YEAH.
THANKS TO THE CONSULTANT FOR
PRIVATE PREPARE YES.
OKAY SO OUT WHILE WE'RE WAITING
FOR AN AUTHOR WE'RE GOING TO GO
BACK THROUGH A COUPLE BILLS THAT
TAP. FOR MEMBERS WHO WERE NOT
PRESENT --
YEAH SO LET'S LET'S START WITH
THAT FRIEDMAN.
AB TWENTY FIVE NINETY FOUR
TWENTY FIVE NINETY FOUR LET'S
START THERE.
THEY ACT ON I AM.
PLAN IN [inaudible]
ALRIGHT.
ALL THE MEMBERS WERE HERE ON
THAT BILL SO LET'S GO TO ITEM
TEN AB TWENTY EIGHT OH TO
FRIEDMAN.
THE SECRETARY WOULD CALL THE
ROLL.
AB TWENTY EIGHT OO TO THE
MOTIONS TO PASS AS AMENDED TO
APPROPRIATIONS PRESENT AND
ACCOUNTED OF BOATS AT SIX IN THE
CHAIR VOTED AYE --
COOLEY ABSENT MEMBERS BERRYHILL
--
HERNANDEZ HERTZBERG HUESO LARA.
FLORA AYE MITCHELL.
MITCHELL AYE.
AND AROUND OKAY WE STILL HAVE
SOME OUTSTANDING MEMBERS SO PUT
THAT BILL BACK ON CALL
[inaudible]
TODAY [inaudible]
APPARENTLY [inaudible]
WHENEVER
.
IF YOU TAKE A VERY TEMPORARY
RECESS AND WE BACK INTO AND JUST
A MOMENT
.
BUT TO LEVERAGE CARRIER BY.
YEAH WELL.
MEANING.
WE LIVE HERE [inaudible]
WHATEVER [inaudible]
PRESIDENT CLINTON
[inaudible]
NOT [inaudible] FOR TWENTY THREE
WE CAME
[inaudible]
YEAH
[inaudible]
LOS [inaudible] ONE OF
OKAY.
ARE RIGHT OR BACK AND I SEE MR
COOLEY IS HERE WELCOME. TO THE
COMMITTEE.
THIS IS ITEM NUMBER ELEVEN AB
[inaudible] TWENTY EIGHT FORTY
FOUR THANK YOU FOR BEING HERE
AND THAT THE FLOOR IS YOURS
[inaudible]
VERY GOOD.
FISHER CHAIR MEMBERS I'M
DELIGHTED ACTUALLY TO PRESENT AB
TWENTY EIGHT FORTY FOUR TODAY.
AND IN THE COURSE OF DOING THAT
I I JUST WANT ARE OFFERED BY
OBSERVATION ABOUT THE BILL AND
HOW IT WILL OPERATE --
WHITE MAKES SENSE TO ME.
I HAVE TO SAY IN MY TURNER IN
THE ASSEMBLY THIS IS THE FIRST
BILL THAT HAS PUT TOGETHER MY
FORTY YEARS.
OF WORKING IN THE FIELD OF
INSURANCE HARLEM INDEPENDENT
AGENT.
AS A CHIEF OF STAFF RUNNING
STAFF COMMITTEES.
I ACTUALLY FEEL THE BILL AS IT
CAME TO THIS HOUSE IS
SIGNIFICANT PROVED ALTHOUGH YOUR
CONSULTANT HAS OFFERED AN IDEA
WHICH I THINK.
ALIGNS WITH MY PURPOSES AND THAT
JUST RAISE A LIFE VESTS I'D BE
QUITE AGREEABLE THAT --
THIS BILL DEALS WITH.
A BUILDING BLOCK OF THE
INSURANCE INDUSTRY GLOBALLY
CERTAINLY IN THIS COUNTRY IS THE
RELATIONSHIP ON INSURANCE
COMPANY AND AGENTS.
AND IF YOU GO TO THE INSURANCE
CO TO LOOK AT WHAT'S INSURANCE
CODE SAY ABOUT BROKERS AND
AGENTS.
THE VERY FIRST CODE SECTION IN
THE WHOLE SERIES FOCUSES ON THIS
COMMISSION ARRANGEMENT.
IT IS THE FOUNDATION UPON WHICH
JUST INTEREST IS USUALLY SHIP
WAS BUILT THESE AGREEMENTS IT IS
CRITICAL TO THE ORGANIZATION'S
EVERY INSURANCE COMPANY IN THE
COUNTRY --
THIS BILL SAYS.
THAT A COMMISSION PAYABLE TO A
BROKERAGE AND SHALL BE AT THE
RATE IN OF COURSE WITH THE TERMS
AGREED TO IN WRITING TWENTY
INSURANCE BROKER AGENT IS
FUNDAMENTAL RELATIONSHIP.
THAT'S THE BASE OF THE
COMMISSION DISAGREEMENT.
AND IT PROVIDES THAT THERE IS A
REBUTTABLE PRESUMPTION.
THAT A COMMISSION LAWFUL A
COMPLIES WITH THE REQUIREMENTS
OF SUBDIVISION SEE INDIA
SECTION.
SEVEN SIXTY NINE SUBDIVISION
OF SECTION EIGHTEEN SIXTY
ONE POINT.
ONE SIX AND IF IT IS PAID IN THE
COURTS OF THE WRITTEN AGREEMENT.
SO THOSE THREE SECTIONS RELATE
TO REGULATION OF COMPENSATION
AND AND THE LOW COST AUTO
PROGRAM THERE'S A RULE.
RELATES TO HOW YOU RUN OFF.
CONVERSATION WERE ALSO RELEASED
THE POWER OF AN AGENT
[inaudible]
IF THEY END UP HAVING THEIR
COMMISSION TERMINATED A
CONTENTED RIGHT FOR A PERIOD OF
TIME WHAT THAT AGENCIES ARE
FAIRLY TECHNICAL RULES.
RELATED TO THIS RELATIONSHIP
[inaudible]
ARM.
SO TO ME WHAT THE BILL DOES WHAT
IS [inaudible]
OF MERIT IN THE BILL.
IS IT SAYS THAT [inaudible]
IF.
THE COMMISSION ARRANGEMENT
CONFORMS TO THE STATUTORY
REQUIREMENTS.
THEN IT.
STARTS OVER A BOTTLE PRESUMPTION
OF VALIDITY.
REBUTTABLE PRESUMPTION COURSE
THERE'S A HUNDRED AND FIFTY
PAGES DE EVIDENCE CODE TO
ELABORATE UPON THE RULES
GOVERNING REBUTTABLE
PRESUMPTION.
BUT BASS IT SAYS YOU YOU DON'T
GET IN FIGHTS OVER THE DOES TERM
CENTER IN CONFORMITY WITH THE
AGREEMENT.
IF I COULD IF IT ME SEE STATURE
REQUIREMENTS.
THIS DOES NOT PRECLUDE ANYONE
THE INSURANCE COMMISSIONER
ANOTHER REGULATOR THE ATTORNEY
GENERAL.
FROM CHALLENGING A COMMISSION
GREEN IT WAS IN VIOLATION OF
OTHER LAW.
AND I WANT TO POINT OUT THAT
THIS BILL CANNOT CHANGE THAT
PART OF HIS FIRST TWO SUGARS AND
OTHER LAWS VIOLATED --
TO ASSERT THAT AS AN ISSUE --
ENACTED FIRST IN EIGHTEEN
SEVENTY THREE THERE IS A
PROVISION INSURANCE CO THERE'S
SINCE YOU BEEN UNCHANGED FROM
CENTER FIFTY YEARS.
THE SAYS THE COMMERCIAL PERFORM
ALL DUTIES IMPOSED UPON HIM OR
HER BY THEIR UP PROVISIONS OF
THIS CODE AND OTHER LAWS
REGULATING BUSINESS SHORES.
AND SHALL ENFORCE AND EXECUTE
THOSE PROVISIONS LAW SO THERE'S
NO AUTHORITY IN THIS BILL.
THAT WOULD UNDERMINE THIS
FUNDAMENTAL PART OF THIS FIRST
PRESSURE TO ENFORCE THE
EXCLUSION OF ALL LAWS BARRETT
UPON THE PRISM INSURANCE.
SO IF THERE ARE SOME OTHER
PROVISION OF LAW THAT THESE
WRITTEN AGREEMENTS DON'T CONFORM
TO THAT'S ALWAYS A FAIR ISSUE TO
RAISE UNDER [inaudible]
OPTION.
THE BILL HAS.
SOME SORT OF CHANGE AT A BUT SO
I VIEW THIS AS IT DOES CREEK
ELEVEN SAFE HARBOR OF TEA
AGREEMENT CONFORM IT THE
STATURE PROVISIONS.
BUT IT DOES NOT OVERTURN THE
ABILITY OF THIS INSURANCE
COMMERCIAL OR FUTURE INSURANCE
COMMISSIONER ANOTHER ROAD
THROUGH THE ATTORNEY GENERAL.
TWO CONTESTANTS IF THEY DON'T
CONFORM WITH OTHER PROVISIONS OF
LAW --
CONSEQUENTLY I FEEL THAT OF THE
BILL ALIGNS WITH THE BRICK WITH
THE PRISM INSURANCE BECAUSE I
CAN ASSURE YOU ALL OVER THE
COUNTRY.
AS NEW LAWS GET ENACTED IN ALL
FIFTY STATES COPIES OF THOSE NEW
LAWS THAT MIGHT AFFECT HIS SOME
ASSURANCE.
GET SHIPPED OFF TO THE MOTHER
SHIP OF THAT INSURANCE COMPANY
SO THEIR LAWYERS CAN LOOK AT
WHAT THEY NEED TO DO TO CONFORM
TO THE LAW IN THAT STATE.
AS THE NEW AS A RULES HAVE BEEN
REWRITTEN.
SO ALL THIS BILL IS DOING IS
SAYING.
WITH RESPECT TO THESE WRITTEN
AGREEMENTS WHICH ARE THE BEDROCK
FOUNDATION OF THE INSURANCE
BUSINESS.
IF DAVE.
TICKED OFF ALL THE BOXES SET OUT
NO STREET STATUTES.
YOU CAN'T GET DISPUTES ARISING
FOR THAT UNLESS IT COMES UP
UNDER SOME OTHER PROVISION OF
LAW THAT AND ARGUMENTS MADE
MIGHT APPLY.
SO I ACTUALLY FEEL THAT THIS IS.
AS A REBUTTABLE PRESUMPTION.
IS A NARROW SAFE HARBOR
PROTECTING.
DISPUTES IN THIS VITAL BUILDING
BLOCK OF THE BIZ OF INSURANCE.
IT DOESN'T TIE THE HANDS OF OF
ANY INSURANCE COMMISSIONER THE
ATTORNEY JOE ANYONE ELSE WHO
MIGHT ARGUE THAT LAW APPLIES.
BECAUSE IT IS A REBUTTABLE
PRESUMPTION.
AND WITHIN THE EVIDENCE CODE
HERE IN CALIFORNIA IT'S WELL
ESTABLISHED HOW YOU WOULD POWERS
OUT HOW YOU APPLY A REBUTTAL
PRESUMPTION.
SO THAT COLLEAGUES IS WHY I
PRESENT THE BILL IS A BILL THE
TO ME TAKES ACCOUNT OF HOW THE
BUSINESS IS ORGANIZED THE
IMPORTANCE OF THE AGENCY
RELATIONSHIP.
THE NEED FOR STABILITY IN
GENERAL WHAT STRUCK TO THE
CONDUCT OF BUSINESS WITHOUT HAND
CUPPING ANY REGULATOR I THINK IT
IS A REASONABLE BILL --
I DO HAVE A MISTER CHRISTMAS
KELLY RIVER SIMMER FOR INSURERS
WHO WILL OFFER COMES TO SUPPORT
BUT I RIGHT AS RICK KELLY.
IS RICHARD MEMBERS CHRIS MCKAY
WE ON BEHALF OF MERCURY
INSURANCE.
A APPRECIATE THE AUTHORSHIP --
OF MISTER COOLEY AND HIS
ADVOCACY FOR THE MEASURE I THINK
HE HAS WELL STATED --
AND EXPLAINED HIS RATIONALE FOR
THE BILL I WOULD JUST LIKE TO
ADD TO THINGS LAST MONDAY.
WE PUT INTO PRINT TO AMENDMENTS
TO THE BILL. TO ADDRESS SOME OF
OUR CONCERNS THAT HAD BEEN
EXPRESSED TO US ONE WAS THAT
THERE WOULD BE.
THE NORMAL CONTRACT DEFENSES IF
YOU WILL.
BUT WOULDN'T BE AVAILABLE
BECAUSE WE REFERENCE THREE
INSURANCE CODE PROVISIONS.
SO THE FIRST SENTENCE THAT WAS
ADDED LAST MONDAY --
SITES A PROVISIONS OF THE CIVIL
CODE DEALING WITH A CONTRACT
FORMATION AND THE NORMAL
CONTRACT DEFENSES INCLUDING --
FRAUD MISREPRESENTATION THAT
CETERA.
THE SECOND ONE IS IS THAT
CONCERN WAS RAISED WHETHER OR
NOT WE WERE IN --
ENOUGH FACT GIVING --
AID.
PENDING OR TWO EXISTING
AGREEMENTS AND THEREFORE THE
OTHER AMENDMENT THAT THE AUTHOR
PUT INTO THE BILL WAS TO MAKE
THE PROVISIONS OF THIS MEASURE
ENTIRELY PROSPECTIVE.
AYE E. EFFECTIVE FOR A
AGREEMENTS ON OR AFTER.
ONE ONE NINETEEN SO WITH THAT
HAPPY TO ANSWER QUESTIONS BUT
WANTED TO POINT OUT THOSE
ADDITIONAL AMENDMENTS TRYING TO
ADDRESS CONCERNS EXPRESSED WITH
THE BILL AND I DO WANT TO SAY
THAT -- IN
CONSULTATION WITH THE COMMITTEE
CONSULTANT.
SENSE MAYEN ALICE'S IS THAT
UNDER.
TWELVE NINE TWENTY ONE THE
INSURANCE COMMISSIONER THE
ATTORNEY JOE AND WELLS WHO FEELS
THAT THESE AGREEMENTS ARE
VIOLATED OF OF SOME OF THE
SPECIFIC PROVISION OF LAW.
CAN ALWAYS BRING THAT FORWARD.
THAT THE REBUTTABLE PRESUMPTION
DOES NOT BAR THAT AS AN ALLEY
AND ASSERTION.
THAT EVERYONE ACTUALLY SAY THAT
OR FIND A VERBAL FARMERS SAY
THAT THAT IN THE OTHER PROVISION
OF LAW.
THE SPECIFIC OBJECTIONS MADE YOU
THINK YOU'RE UNDERMINING.
I'M ACTUALLY FINE WITH THAT IF
THAT PLEASES THE COMMITTEE THE
CHAIR.
OF OKAY I DO HAVE SOME QUESTIONS
PHYSICALLY BUT LET'S FIRST TAKE
CARE OF HOUSEKEEPING IF THERE'S
ANY OTHER WITNESSES IN FAVOR THE
BILL THANK YOU COME FORWARD.
THE GERMAN NAM MEMBERS MICHAEL
GUNNING PERSONAL INSURANCE
FEDERATION CALIFORNIA HERE IN
SUPPORT.
THANK YOU MICHAEL ANY OTHER
WITNESSES IN FAVOR.
ARE THERE ANY WITNESSES IN
OPPOSITION.
GOOD AFTERNOON MISTER CHAIRMAN
AND MEMBERS ROBERT HER OUR
PRESENT THE DEPARTMENT OF
INSURANCE --
WE REGRETTABLY OPPOSE THIS BILL
--
AND I THINK PART OF THE REASON
WHY WAS WAS THE LAST TEN MINUTES
OF SORT OF DISCUSSION
CONVERSATION IF YOU WILL ABOUT
IT.
IT STARTED OUT AS THE LET ME
SIMPLIFY THINGS CONTRACTS
BETWEEN. FOR COMMISSION AND
OTHER THINGS OUGHT TO BE
STRAIGHTFORWARD AND THEY OUGHT
TO FOLLOW THE LAW.
THAT'S THE CASE RIGHT NOW THAT
SHOULD BE THE CASE IN THE FUTURE
PERIOD.
BY SINGLING NOW ORIGINALLY A
COUPLE THE PROVISIONS OF LAW TO
SAY WELL IF YOU IF YOU COMPLY.
AND IT.
WOULDN'T BE OKAY FOR EVERYTHING
ELSE THEN IT BECAME A REBUTTABLE
PRESUMPTION --
WE'VE ASKED A NUMBER OF
QUESTIONS OF THE SPONSOR OF THE
BILL GOING BACK MONTHS AND HAD
YET TO RECEIVE TO BE HONEST WITH
YOU FULLY CANDID.
ANSWERS ABOUT WHAT THE OBJECTIVE
WAS HERE.
THERE HAS BEEN LITIGATION YOUR
ANALYSIS BY A CONSULTANT IS IS
IS SPOT ON ALTHOUGH IT IS
PROSPECTIVE IN NATURE.
THIS COULD AT A MINIMUM MONEY
THE WATER.
FIRST TIME WE'RE HEARING TODAY
THAT IT HAS MAYBE SOMETHING TO
DO WITH LOW COST AUTO THAT'S
NEWS TO US WE'VE BEEN ASKING
QUESTIONS ABOUT THIS BILL FOR
MONTHS.
SO I DON'T DO RESPECTFULLY WE
JUST DON'T SEE ANYMORE WHAT THIS
BILL DOES OR IS INTENDED TO DO.
OTHER THAN THE BROAD STATEMENT
THAT.
COMMISSIONS OUGHT TO BE LAWFUL.
THAT CONTRACTUAL MATTER BETWEEN
THE INSURANCE COMPANY AND THEIR
AGENTS OR BROKERS IT WHETHER
INDEPENDENT OR CAPTIVE.
AND THAT THOSE CONTRACTS ARE NOT
VIOLATE ANY PROVISIONAL LAW
PERIOD.
SO WE CAN THAT WE KIND OF FEEL
LIKE IT'S THAT SIMPLE AND THEN
WITH ALL DUE RESPECT TO THE
AUTHOR WHO I KNOW HAS.
HAS -- IT IS
SPEAKS EXTENSIVELY FIX IT
EXPERIENCE WITH THE INSURANCE
INDUSTRY WHICH WITH RESPECT
GREATLY WE JUST DON'T.
ARCHER WHAT'S WHAT'S WHAT'S
GOING ON HERE SO WE RESPECTFULLY
ASK FOR A NO VOTE ON THE BILL
THAT WE JUST DON'T KNOW WHAT
THEY'RE TRYING TO ACCOMPLISH.
IT'S VERY GOOD EITHER WITNESSES
IN OPPOSITION YES SIR AYE YES
MISTER CHAIRMAN NOW MIKE MATIC
ACCOUNTS OF CONSUMER WATCHDOG
FIRST THAT THANK THE COMMITTEE
CONSULTANT FOR A VERY THOROUGH
ANALYSIS --
AFTER CONSULTATION WITH MY OLD
FRIEND THAT MISTER COOLEY WHO WE
HAVE SHARED NUMEROUS POSITIONS
THROUGHOUT THE HOUSE IN OUR
CAREER.
I BELIEVE HE IS --
WORKING IN GOOD FAITH.
WE DON'T THINK THE INSURANCE
INDUSTRY REQUIRES ANY ADDITIONAL
AMMUNITION IN THE MARKETPLACE --
AND THAT WE THINK THE A
CONSULTANTS --
SOLUTION IS BOTH FAIR AND
RATIONAL SO THAT WE CONTINUE
BEFORE WE WILL WORK WITH THE
AUTHOR ON THIS MAKING IT VERY
GET.
OTHER OTHER WITNESSES IN
OPPOSITION.
ALRIGHT LET'S BRING THE MATTER
BACK TO OTHER COMMITTEE FOR
FURTHER COMMENTS AND DISCUSSION.
MEMBERS ANY FOLKS WANNA RAISE
ANY QUESTIONS RIGHT.
I MISS COOLEY THAT THE CHALLENGE
THAT I'VE HAD PERSONAL THANK YOU
FOR YOUR THOUGHTFUL WORK IN THIS
AREA AND CERTAINLY YOUR
EXPERIENCE.
THE CHALLENGE THAT I'VE HAD ON
THIS BILL THIS TO TRY TO
UNDERSTAND WHAT PROBLEM ARE WE
SOLVING HERE.
NOWHERE IS THE WHERE'S THE
VICTIM WEARS THE AGGRIEVED Y.
WIRE WE I ENGAGING WHAT I WISE
THIS BILL NECESSARY COULD YOU
COULD YOU ELABORATE ON THAT.
WELL I TO ME IT.
IT CREATES A THE EXCEEDINGLY
LIMITED SAFE HARBOR.
AROUND THESE BASIC AGREEMENTS
WHICH ARE THE BUILDING BLOCKS OF
THE BARCLAY SAYS FOR INSURANCE.
SO AS I SAY THE BROKER AGREEMENT
IS THE VERY FIRST THING WE TALK
ABOUT UNDER OUR CODE WE TALK.
THE ONE WE ANY INSURANCE CODE
WILL ME LOOK AT THE BROKERAGE
RELATION TO COME SOUND THESE
AGREEMENTS.
IT CREATES STABILITY AROUND THEM
IN AVOIDING DISPUTES AROUND
THEM.
AS A THRESHOLD MATTER AS LONG AS
YOU'RE AND COMPLY WITH THESE
RATED CODE PROVISIONS.
AS I SAY I AYE PARTLY.
IN AND DESIRING TO PRESENT THE
BILL [inaudible]
I FELT.
I'LL ADMIT A LITTLE BIT --
BOTHERED [inaudible]
THE LETTER FROM THE INSURANCE
DEPARTMENT.
SAID THE FOLLOWING ABOUT MY BILL
WHICH I CONSIDERED WRONG.
THIS BILL DEEMED CERTAIN
BROKERAGE COMMISSIONS LEGAL IF
THEY COMPLY WITH ONLY TWO
INSURANCE COVERAGES.
EVEN IF THE COMMISSION OR
STRUCTURE VIOLATES ANY OTHER
LAW.
THIS IS A REBUTTABLE
PRESUMPTION.
IT CANNOT OVERRIDE TWELVE NINE
TWENTY ONE INSURANCE CODE WHICH
IMPOSE INSURANCE PERCENT DUTY
ENFORCEABLE VERSION OF ALL LAWS.
I CONSIDER THAT AND AN ACCURATE
CHARACTERIZATION OF THE BILL IS
A LETTER DATED LONG AFTER BECAME
REBUTTAL PRESUMPTION.
SO I JUST FEEL THIS IS
COLLEAGUES A BILL THAT IS MERELY
A REBUTTABLE PRESUMPTION.
IT SAYS YOU'RE OKAY IF YOU
TICKED OFF THE BOXES THAT YOUR
LAWYERS.
WHENEVER THE STATUTES SAID.
YOU NEED TO HAVE THESE ELEMENTS
IN THE AGREEMENT FOR THEM TO BE
VALID.
IF THAT'S WHAT YOU HAVE YOU
START OFF THESE ARE.
ARE DEEMED INVALID.
IT DOES NOT WITHHOLD AS I SAY
THE POWER OF ANY COMMISSIONER OR
THE AG ARE OTHERS. TO BRING
FORWARD AN ALTERNATIVE THEORY.
THAT -- IS
NOT ACCOUNTED [inaudible]
FOR SO -- I
ACTUALLY FEEL FOR THE INSURANCE
SECTOR.
IN THIS VITAL BUILDING BLOCK
RELATIONSHIP OF THE AGENCY FORCE
IT CREATES AID.
A LITTLE ZONE OF STABILITY IN
THESE AGREEMENTS.
DOESN'T UNDERMINE ONGOING
REGULATORY POWERS I FEEL THAT'S
OF VALUE WOULD ADDS I GOT IT I I
GOT THE ISSUE OF STABILITY BUT
THAT USUALLY COMES BECAUSE THEIR
SIDE.
AN ELEMENT OF INSTABILITY
BECAUSE THERE'S A PROBLEM THAT'S
BEEN FLAG.
YEAH THROUGH LAWSUITS THROUGH
OTHER.
AYE ACTIONS THAT ARE OUT THERE
AD THEY GO GOES BACK TO THAT
SAME QUESTION TWO WHERE IS THAT
INSTABILITY.
THAT THAT THAT CREATES THE NEED
FOR THIS BILL.
I'M NOT SURE I AYE AYE SHE
CANNOT SAY THAT I KNOW OF A
PARTICULAR AREA.
I THINK --
IT.
YEAH I DO NOT KNOW OF A LIVE
DISPUTE OR AN IMMINENT DISPUTE
OF ANY SORT OF THING.
AGAIN I JUST GO BACK TO BACK
THAT THIS IS THE THESE THESE
BROKERAGE RELATIONS ARE THE
FINAL PART OF THE BUSINESS
[inaudible]
AND IT IT SERVES.
A SENSE OF STABILITY IN THE
MARKETPLACE I ALSO THINK THIS
TYPE OF PROVISION.
REQUIRING THAT IF YOU WANNA.
REYES A SPECTER IN SOME DISPUTE
WITH AN INSURANCE COMPANY YOU
HAVE TO BE SPECIFIC AS TO WHAT
IT IS THAT'S WHAT IS THE GRAVITY
OF THE ISSUE YOU CAN HAVE A
GENERAL DISPUTE.
YOU SORT A HAVE TO REACH TO
PROVIDERS ALL I THINK THAT.
JUST AS TWELVE NINE TWENTY ONE
OF THE INSURANCE CODE A SAYS IS
THE CURSOR JOB TO ENFORCE THE
LAWS.
IT ALSO IMPLICITLY IS SAYING
THEY ONLY HAVE ITS RESEARCH OF
LAWS THEY'VE GOT.
SO I THINK IT DOES SORT OF PUT.
REYES REQUIREMENT TO DE A
REGULATOR WILL NEED TO BE
SPECIFIC WHAT IS THE OBJECTION.
YOU CAN'T MAKE A GENERAL DISPUTE
THAT WOULD UNSETTLE THESE.
THESE ARE AGENCY COMMISSION
AGREEMENTS.
IN A JULY SORT OF WAY YOU HAVE
TO BE SPECIFIC AND ACTUALLY FEEL
THAT SUPPORTS A LEVEL OF
FAIRNESS ON BOTH SIDES.
OF THE TRANSACTION.
I I KNOW THAT --
FOLKS SMARTER THAN ME
[inaudible]
HAVE -- HAVE
HAVE REYES WORRY THAT SAID THE
AMENDMENTS THAT YOU HAVE TAKEN
TO THE BILL --
CREATED.
CIRCULAR PROVISIONS [inaudible]
I ABOUT WITH THE UNDERLYING
CONDITIONS AND THAT THERE IS THE
POTENTIAL THAT.
YOUR BILL CAN INHIBIT DIED.
SOME CONSUMER PROTECTION LAWS
YOU'VE BEEN CLEAR THAT YOU THINK
THAT THOSE THINGS MAY NOT BE IN
PLACE.
I'D LIKE TO HELP MOVE YOUR BILL
FORWARD I KNOW RENDER DEADLINE
PRESSURES.
I AM DOING THAT TODAY I WANT TO
BE SURE THAT THERE'S FURTHER
COMMENTS FROM MY COLLEAGUES THAT
I I HEAR THOSE BUT I WAS GOING
TO MAKE A SUGGESTION TO YOU BUT
LET ME FIRST SEE IF THERE'S ANY
OTHER COMMENTS FROM MY MY
COLLEAGUES ON THE PANEL ON THIS.
ON MR COOLEY AYE I AM WONDERING
IF IT IN ORDER TO I APPRECIATE
YOUR GET YOUR GREAT WORK IN THIS
AREA AND THE GOOD FOR THE GOOD
FAITH AND TRYING TO
CONSTRUCTIVELY --
ANTICIPATE SOME ISSUES THAT WE
MAY BE EXPERIENCING DOWN THE
LINE I'M WONDERING IF THERE'S A
WAY THAT.
OUT WE COULD MOVE THE
BILL-FORWARD TODAY THAT I WOULD
ASK
OF YOU THAT --
YOU WORK WITH ME AND MY STAFF TO
DEAL WITH THE CONCERNS THAT HAVE
BEEN RAISED TODAY ABOUT CONSUMER
PROTECTION THAT.
THAT THAT WORRY ABOUT THE
CIRCULAR PROVISIONS.
I WITH THE UNDERLYING CONDITIONS
IN THAT AS DE PRIOR TO
APPROPRIATIONS THAT.
YOU GIVE ME THE OPPORTUNITY TO
SEE IF WE CAN SETTLE SOME OF
THESE THINGS IS APPROPRIATE --
THAT I UNDER THOSE TERMS IF YOU
ARE OKAY WITHOUT THAT I WOULD
CERTAINLY DO THAT I WOULD
ACTUALLY APOLOGIZED TO THE CHAIR
OF THE COMMITTEE.
WE'VE HAD A GREAT MANY THINGS IN
JOINT DIVERTED BY TENSION SO I
THAT WOULD BE --
MOST GRACIOUS OFFER I'D BE
EXCEPT THAT OKAY BECAUSE I I
KNOW WE DON'T HAVE THE LUXURY OF
OF PUTTING THIS BILL OVER.
BUT I I I DO HAVE SOME CONCERNS
ABOUT REALLY WHAT IT'S TRYING TO
DO AND THE CONFLICTS THAT MAY
CREATE.
SO IF IF WOULD THAT BE IN THE
UNDERSTANDING I'D BE HAPPY TO
SUPPORT THE BILL TODAY I DON'T
KNOW WHY WILL DEAFENED WORK WITH
YOU MISTER CHAIR OKAY ALRIGHT
ANY OTHER FURTHER COMMENTS OR
QUESTIONS.
ALRIGHT IS THERE A MOTION ON
THIS BILL.
OKAY SENATOR GALGIANI THAT MOVES
THE BILL AND WITH THAT UNDER
THAT.
YEAH EXPRESS SIDE.
WILLINGNESS OF THE AUTHOR TO A
CONTINUE TO WORK ON THESE ISSUES
PRIOR TO APPROPRIATIONS WHAT WE
CALL THE ROLL.
AB.
TWENTY EIGHT FORTY FOUR MOTIONS
DO PASS AS AMENDED TO THE FLOOR.
CHAIRED GLAZIER AYE GLAZER AYE
BY SURE GAINES.
GAINES AYE BERRYHILL
[inaudible]
GALGIANI.
GALGIANI AYE HERNANDEZ
[inaudible]
HERTZBERG HUESO.
LARA [inaudible]
MITCHELL [inaudible]
MORLOCK.
MORE LIKE I MORALE.
RAIL AYE PORTANTINO.
PORTANTINO AYE ROTH.
OKAY THE SECLUDED THE BILL HAS
SIX SO THREATEN KEEP THE ROLE
OPEN AGAIN THANK YOU FOR YOUR
WORK AND I WOULD BE REMISS IN
FOR THIS PANEL AND I
CONGRATULATE INEZ ON HER MASTERS
FROM MCGEORGE.
SCHOOL OF LAW.
THANK YOU TESTIFIES LISTENS HERE
[inaudible]
OKAY [inaudible]
I THINK.
OKAY THIS BURKE HELLO THANK YOU
FOR YOUR PATIENCE.
WE ARE AT ITEM NUMBER SIX AB.
TWENTY TWO SEVENTY SIX THANK YOU
FOR YOUR PATIENCE AGAIN WELCOME
TO THE COMMITTEE ON ASSURANCE.
I THINK YOU --
MISTER CHAIRMAN SENATORS I WANT
TO START BY ACCEPTING AMENDMENTS
AND THINKING CENTER GLAZER AND
HIS STAFF WORKING ON THIS BILL
AARON HAS SPENT A TREMENDOUS
AMOUNT OF HOURS OVER THE LAST
TWO YEARS --
AND COUNTLESS HOURS OF
STAKEHOLDER MEETINGS AND I TRULY
APPRECIATE ALL THE TIME SHE HAS
SPENT.
HI AB TWENTY TWO SEVENTY SIX IS
THE RESULT OF MANY HOURS A
STAKEHOLDERS MEETINGS THAT HAVE
INCLUDED POLICY AND FISCAL
COMMITTEE STAFF AND MEMBERS THE
DEPARTMENT OF INSURANCE AND
INTERESTED PARTIES.
AB TWENTY TO SEVENTY SIX
PROVIDES STATUTORY CERTAINTY ON
HOW AN INSURER WILL CONDUCT IT
LIBERATES SURVEY TO DETERMINE
THE PREVAILING AUTO BODY LABOR
RATE.
IN A SPECIFIC GEOGRAPHIC LABOR
MARKET.
LABOR EIGHT SURVEYS ARE NOT
MANDATED BUT INSURERS THAT DO
CONDUCT A VOLUNTARY SURVEY USE
IT AS A TOOL FOR TWO MAIN
REASONS.
THE FIRST FIGURE OUT WHAT A FAIR
PRICE TO PAY IN A LOCATION FOR A
RUN OF THE MILL REPAIR JOB THE
SECOND IS TO PROVE TO THE
DEPARTMENT OF SCIENCE AT THE
ENSURE ACTIVE FAIRLY IN THE
EVENT AUTO BODY REPAIR SHOP
COMPLAINTS TO THE DEPARTMENT.
AB TWENTY TO SEVENTY SIX
PROVIDES AN ALTERNATIVE
METHODOLOGY TO CONDUCT A
VOLUNTEER LABOR RATES SURVEY.
THE CIVIC LEE AND ADOPTS THE
LOCAL WORKFORCE DEVELOPMENT
EMPLOYMENT PARK DEVELOPMENT
DEPARTMENT AS THE LABOR MARKET
OF AN AUTO BODY SHOP THAT WILL
BE SURVEYED BY AN INSURER.
THE BILL ALSO SPECIFIES THAT
ONLY QUALIFIED SHOPS MAYBE
SURVEYED AT THAT SURVEY
RESPONSES SHOULD NOT INCLUDE ANY
DISCOUNT RATES AND THE EXACT
QUESTIONS THAT MUST BE INCLUDED.
ON EACH SURVEY ADDITIONALLY THE
BILL REQUIRES THAT SPECIALTY
REPAIR SHALL BE HANDLED ON A
CASE BY CASE BASIS BETWEEN THE
INSURANCE AND THE AUTO BODY
SHOP.
THE PREVAILING LABOR RATE
DETERMINED BY A SURVEY YEAH XIN
BETWEEN AN AUTO BODY SHOP AND AN
ANSWER.
AB TWENTY TO SEVENTY SIX STATES
THAT PREVAILING AUTO BODY LABOR
RATE SURVEY RESULTS SHALL NOT BE
PRESUMED TO BE A MAXIMUM OR IN
IN A MONTH.
THAT SHALL BE PAID TO SETTLE A
SPECIFIC CLAIM IS SIMPLY A
STARTING POINT TO BEGIN
NEGOTIATIONS.
I LOOK FORWARD TO WORKING ON
SOME OF THE OUTSTANDING ISSUES
LIKE REFINING THE PROBLEMATIC
AREAS THAT HAVE BEEN RAISED
REGARDING THE LW DE A MAP.
AND CONTINUE THE DISCUSSION
THROUGH THE STAKEHOLDER PROCESS
AND WITH THAT I RESPECTFULLY
REQUEST AND I BOTH.
GREAT THANK YOU VERY MUCH AND
YOU HAVE WITNESSES IN FAVOR.
I THINK IT CHAIRMAN MEMBERS
MICHAEL GUNNING PERSONAL
INSURANCE FEDERATION SORELY WANT
TO THANK OUR AUTHORS FOR HER
PERSEVERANCE PERSEVERANCE
DILIGENCE AND TOLERANCE IN THE
PROCESS SHE WAS ALSO IN THOSE
MEETINGS.
AND I MUST GIVE KUDOS TO AND I
DON'T THINK WE'D BE HERE IF
TODAY IF IT WASN'T FOR HER
JUMPING IN AND INSISTING ON THE
STAKEHOLDER MEETINGS.
I THINK IS THE AUTHORS OUTLINE
THE BILL MERELY GIVES AN
OPPORTUNITY TO DO ADDITIONAL
SURVEY METHOD AND CERTAINLY URGE
YOUR AYE VOTE.
THANK YOU SIR YES SIR DANCER
MISTER CHAIRMAN OF THE COMMITTEE
ARE MONTHLY CHINA PROPERTY
CASUALTY INSURERS.
WHERE IT'S FOR THE BILL THINK
ASSEMBLY MEMBER CAN YOUR STAFF
WORKING WITH US?
WHO THE FOR TWO HUNDRED AND SOME
OF THE US OUTSTANDING ISSUES
THANK YOU THANK YOU VERY MUCH
OTHER OTHER WITNESSES IN FAVOR?
KATHERINE HEPBURN AMERICAN
INSURANCE ASSOCIATION SUPPORT.
THANK YOU ANY OTHER WITNESSES IN
FAVOR.
OTHER WITNESSES IN OPPOSITION
PLEASE COME FORWARD.
MISTER CHAIRMAN SENATORS CLIFF
COSTS ONLY HALF THE CALIFORNIA
NEW CAR DEALERS ASSOCIATION I'M
A TWEENER --
WE WERE OPPOSED TO THE BILL WHEN
IT WAS IN THE ASSEMBLY IN THE
PRIOR PREVIOUS VERSION WE
REMOVED OUR OPPOSITION --
THAN THIS BILL WAS INTRODUCED
MORE AMENDMENTS WERE MADE WE
CONTINUE TO BE PART OF THE
STAKEHOLDER NEGOTIATIONS WE ARE
CONTINUING TO BE NEUTRAL I WANT
TO THANK YOUR STAFF FOR ALL THE
WORK SHE'S PUT AND THE AUTHORS
OFFICE WE HAVE LITERALLY SPENT.
ABOUT TWENTY HOURS IN MEETINGS
OVER THE LAST --
TWO YEARS AND I HAVE --
COUPLE MONTHS CONTINUE TO
DISCUSS THIS BUT I WE REMAIN
NEUTRAL THANK YOU.
WE APPRECIATE HIS NEUTRALITY
YEAH USE OUR DEALERS ARE
NEUTRAL.
MISTER CHAIRMAN MEMBERS SINCE WE
APPEAR TO BE ON THE TWEENER --
PLACE IN THE SPECTRUM A ROBBER
HER OUT WITH THE DEPARTMENT OF
INSURANCE WE WERE RELATIVELY
RECENTLY ADDED TO ALLOWED TO
PARTICIPATE IN THE STAKEHOLDER
GROUPS SO I THINK WE'VE BEEN IN
MAYBE THE LAST THREE MEETINGS --
OVER THE PAST TWO OR THREE
MONTHS BOMB WE HAVE A A NUMBER
OF CONCERNS WITH THE BILL.
EITHER RESPECT FOR THAT PROCESS
THAT WE HAVE ATTEMPTED TO WORK
WITHIN THE STAKEHOLDER GROUP
ONCE WE WERE INVITED IN THE
TENT.
TO TRY TO WORK OUT THOSE ISSUES
AS BEST AS WE CAN --
WE DO NOT HAVE OCCURRED POSITION
WE DO HAVE A NUMBER OF
OUTSTANDING CONCERNS.
AND THAT YOU KNOW HAVE HEARD THE
SPONSORED THE BILL OPENLY TALK
ABOUT A GOTTEN AMEND LATE IN
SESSION.
WHICH SCARES THE JESUS OUT OF
THIS DEPARTMENT SO WE ARE VERY
CAUTIOUS WE HAVE NO POSITION ON
THIS BILL RIGHT NOW.
BUT WE ARE GOING TO CONTINUE TO
PARTICIPATE IN THE STAKEHOLDER
PROCESS BUT WE WOULD ARGUE KIND
OF BIG PICTURE PHILOSOPHICALLY.
THE DEPARTMENT MOVED IN THIS
AREA A NUMBER OF YEARS AGO
BECAUSE THERE WERE A NUMBER OF
LABOR RATES SURVEYS BY INSURANCE
COMPANIES THAT I WILL NOT
MENTION.
THAT WERE NO WHERE NEAR
APPROPRIATE OR STANDARD AND WHAT
THEY DID IS THEY REDUCE
SIGNIFICANTLY THE AMOUNT THAT
INSURANCE COMPANIES PAY.
THE PEOPLE WHO FIX YOUR CARS
WHEN YOU GET IN AN ACCIDENT THAT
IS NOT OKAY SO WE DID A WHOLE
RIGHT PROCESS.
THAT LED TO A WOMAN REFER TO AS
GEO CODING THAT INSURANCE
COMPANIES IF THEY DO ELABORATE
SURVEY WHICH THEY ARE MEANT NOT
MANDATED TO DO BY THE WAY THAT
IF THEY DO LABOR EIGHT SURVEY
THEY CAN USE THAT PATH.
AND GET A SAFE HARBOR GET THE
REBUTTABLE PRESUMPTION --
SOME ARE DOING THAT OTHERS ARE
NOT AND DON'T WANT --
TO AND HAVE FOUGHT IT --
AND SO --
JUSTLY HAVE A LITTLE BIT OF THE
CONTEXT HERE OF WHY WE'RE
STANDING HERE TODAY AFTER A
COUPLE YEARS WE DO APPRECIATE
THE EFFORTS OF THE AUTHOR AND
HER OFFICE AND THE OTHER
STAKEHOLDERS WE WILL CONTINUE TO
PARTICIPATE IN THAT PROCESS.
IN CASE THIS CONVERSATION GETS
REALLY INTO THE WEEDS I HAVE
TWENTY SIGNAL RALLY FROM THE
DEPARTMENT WHO WAS SPENT.
WITH ALL DUE RESPECT TO THE
STAKEHOLDER GROUP MORE HOURS ON
THE WRECK PROCESS GOING
BACK-YEARS AGO AND IT HAS A
UNPARALLELED EXPERTISE IN THIS
AREA IN CASE FOLKS ONE ASK
QUESTIONS THANK YOU FOR
INDULGENCE WITH RUSSIA.
THANK YOU.
IF YOU OTHER WITNESSES IN
OPPOSITION HIGH.
GERMAN --
MEMBERS GOOD AFTERNOON JACK
MADONNA FOR ON BEHALF OF THE
CALIFORNIA AUTO BODY ASSOCIATION
--
WE REMAIN OPPOSED --
TO TO THE TO THE BILL I FIRST
WANT TO THANK THE AUTHOR AND THE
AUTHOR STAFF WORKING COUNTLESS
HOURS ON ON CERN'S --
MANY OF THE AMENDMENTS THAT WERE
TAKEN TODAY DO ADDRESS --
ISSUES THAT WE HAVE A BUT NOT
ALL I ALSO WANNA THANK --
THE COMMITTEE IN THE COMMITTEE
STAFF FOR THEIR THOUGHTFUL
ANALYSIS AND THE TIME THEY PUT
INTO -- AT
THE STAKEHOLDER MEETINGS WITHOUT
SAID I JUST FOCUS ON ONE PRIMARY
--
CONCERN WHICH IS WHICH IS REFER
IS -- IS THE
GEOGRAPHICAL AREA ISSUE --
THIS IS THE MOST CONTROVERSIAL
PART OF THE BILL ON AND FRANKLY
I THINK IT'S THE PRIMARY REASON
WHY WE'RE HERE TODAY --
WE BELIEVE RELEASED THE AUTO
BODY SHOPS BELIEVE THAT THE
GEOGRAPHICAL AREA SHOULD BE
SMALL A SMALLER IN A MORE OF A
LOCAL.
MARKET A TYPE FLAVOR THE
INSURERS BELIEVE IT SHOULD BE
LARGER AND THAT'S REALLY WE WE
HAVEN'T FIGURED OUT OR AT LEAST
COME UP WITH A SOLUTION.
THE IN THE ASSEMBLY OF THE BILL
WAS AMENDED --
TO INCLUDE AS THE GEOGRAPHICAL
AREA THESE LOCAL WORKFORCE
DEVELOPMENT AREAS AND THERE WHO
IN OUR OPINION THERE TOO LARGE
BECAUSE THEY ENCOMPASS AN ENTIRE
COUNTY --
WHICH INCLUDES VARIOUS MARKETS
AND AND AREAS AND WE THINK THAT
THAT WILL END UP.
OF CREATING ACE AT A UNFAIR AND
STATISTICALLY AND VALID OF
PREVAILING RATES SO --
WE HAVE IN WEAKENED TO WORK WITH
THE AUTHOR ON TRYING TO CONTINUE
TO FURTHER REDEFINE THE LOCAL
WORKFORCE DEVELOPMENT --
MAPS AS THE LEGISLATURE AT LEAST
FROM THE ASSEMBLY SIDE THAT'S
WHAT THEY INDICATED CONTINUE
KILLERS THE THE LEGISLATIVE
INTENT IS.
TO OF FURTHER REDEFINE THE SORT
OF JUST POINTED UMP THE ISSUE
HERE -- OF
BUT WILL WE ARE OPEN TO CONTINUE
--
TO TO YOU KNOW WORK ON THAT MAP
IT'S GONNA END UP BEING A SOME
SORT OF AUTO BODY MAP IT'S VERY.
IT'S BEEN VERY CONTENTIOUS AND
I'VE BEEN WORKING ON THAT ISSUE
FOR THE LAST I DON'T SEVENTEEN
OR EIGHTEEN YEARS FRANKLY WE
HAVEN'T COME UP TO A WITH A
RESOLUTION.
IN ANY EVENT A WE CONTINUE MAY
REAP --
OPPOSED BUT WE THANK THE AUTHOR
OF FOR ALL THE WORK SHE'S --
DONE ON THIS AND WE LOOK FOR TO
CONTINUE WORKING WITH THEM THANK
YOU THANK YOU FOR YOUR TESTIMONY
--
ANY OTHER ARE.
WE SHOULD REMEMBER MIKE MATIC
GOT COUNSEL CONSUMER WATCHDOG
USUALLY THE FLY IN THE OINTMENT
HOWEVER.
I'D LIKE TO THANK THE AUTHOR FOR
TAKING VIRTUALLY OUT MOST OF OUR
AMENDMENTS THAT WE HAVE
SUGGESTED TO THE EXCELLENT STAFF
WORK IN ANALYSIS.
I WILL CONTINUE TO WORK WITH THE
AUTHORS THIS MOVES FORWARD IT
DOES CONTAIN THE GEOGRAPHICAL
ISSUE.
THAT MISTER MULLIN ON OF NOTED
--
BUT WANT TO CONVEY OUR
APPRECIATE FORD AND THANKS SO
MUCH.
ANY OTHER WITNESSES IN
OPPOSITION.
BY WILL BRING THE MATTER BACK TO
OF THE COMMITTEE HAVE A COUPLE
MEMBERS WHO LEFT COMMENTS THAT
SENATOR GAINES SENATOR MITCHELL
[inaudible]
THERE GAINES.
THANK YOU.
APPRECIATE THAT --
SO A MEMBER BURKE FOR BRING YEAR
LEGISLATION FORWARD.
AND I'M JUST.
TRYING TO GET SOME CLARIFICATION
BECAUSE THERE ARE SO SHE JUST
AMENDMENTS ARE AGAINST.
ARE YOU ACCEPTING THE SUGGESTED
AMENDMENTS THAT WERE THING HERE
WORK SUCH THAT.
WORKED OUT WE ACCEPT THE MINUTES
ELEMENTS YES OKAY ALRIGHT
BECAUSE IT TALKS ABOUT THIS
ISSUE OF SPECIFIED GEOGRAPHIC
AREA.
AND I THINK SOME OF THE CONCERN
WAS IF YOU TAKE AN ENTIRE
COUNTY.
YOU MIGHT HAVE A A VARIETY OF
LABOR RATES FROM A MORE DENSELY
POPULATED PART OF THAT COUNTY
VERSUS MAYBE A MORE RURAL.
AB WOULD THIS TAKE THAT INTO
CONSIDERATION ADDRESS THAT ISSUE
WE KNEW I I THINK SAID THIS
ISN'T TOTALLY CLARIFY THE
GEOGRAPHICAL AREA ISSUE WE
CONTINUE TO WORK ON THAT IT IS.
IT IT IT IS KIND OF THE SOURCE
OF CONTENT THAT'S ARE KIND OF
LAST NIGHT LAST BIT OF THE
PUZZLE.
THE CHALLENGES YES WITHOUT THE
LW D. A.'S SOME AREAS ARE LARGER
THAN OTHERS AND WE ARE TALKING
ABOUT HOW TO BREAK UP SOME OF
THE AREAS LIKE LOS ANGELES AND
SAN DIEGO HOWEVER WE DO HAVE
THOSE.
IN THE CONVERSATION THAT DON'T
WANT SOME OF THOSE LARGER AREAS
BROKEN DOWN SO WE'RE TRYING TO
FIGURE OUT THE BEST WAY OUR GOAL
IS.
IS TO TRY TO GET TO IN AREAS
THAT ARE SIMILAR TO WHAT THE
DEPARTMENT OF INSURANCE HAS
REGULARLY.
SIMILAR --
NUMBER OF AREAS THAT THE
DEPARTMENT OF INSURANCE ALREADY
CURRENTLY APPROVED FOR OTHER
INSURANCE.
THAT WE CAN KIND OF STAY IN THAT
REALM OF IN.
ASSISTANT WITH WHAT THE
DEPARTMENT OF INSURANCE HAS DONE
IN THE PAST --
BUT PROVIDE LARGE ENOUGH AREAS
FOR IT TO MAKE SENSE FOR THE
INSURANCE OKAY SO YOU YOU'RE THE
LEAD THE LANGUAGE IS A SPECIFIC
GEOGRAPHIC AREA.
SO IT LOOKS LIKE YOU'RE STILL
EXAMINING WE ARE STILL WE'RE
STILL EXAMINING THE GEOGRAPHIC
AREAS TEMPLATE THAT'S BEEN.
YEAH AND THE DEPARTMENT
INSURANCE AS IT HAS HAS APPROVED
AREAS SIZE AREA NUMBERS AND LIKE
THE THIRTIES AND SO WE
ORIGINALLY OFFERED ABOUT EIGHTY
AREA SO WE'RE JST TRYING TO GET
TO A NUMBER IN A SIZE THAT THAT
WORKS FOR EVERYBODY.
GOOD THANK YOU BUT IT'S A WORK
IN PROGRESS OKAY SENATOR
MITCHELL.
THANK YOU I WANTED CLARIFICATION
ABOUT THE MAP THAT WAS
DISTRIBUTED LISTA THIS ISN'T THE
DESIGN THAT YOU'RE CONSIDERING
YOU'RE STILL WORKING ON IT WE'RE
STILL WORKING BUT WE'RE GOING
FRONT RIGHT NOW WE'RE WORKING
FROM THAT MAP AND THEN THE LARGE
AREAS WITH IN THAT MAP.
MAYBE BREAKING THEM DOWN INTO
SMALLER AREAS SO LIKE LOS
ANGELES THAT'S LARGE.
BREAKING IT DOWN YEAH BREAKING
THOSE AREAS TO HASTEN BREAKING
THOSE AREAS DOWN TO SMALLER
AREAS LIKE IT'S AN HOWEVER WE
HAVE THOSE OUT OF WORK ON THE ON
THE ON FILL IN THE PAST THAT
DON'T WANT SOME OF THOSE LARGER
AREAS BROKEN DOUBTS WERE TRYING
TO FIND THAT.
THIS GUY DOES WHAT HE SURE HOW
THIS FIT INTO THE CONVERSATION
YEAH SO THAT.
AND I'M GOING TO CLARIFY TO MAKE
SURE I'M FOLLOWING --
THAT.
THE PROPOSED LABOR RATE SURVEY
IN YOUR BILL DOES NOT PRECLUDE
THE DEPARTMENT FROM USING THEIR
EXISTING.
LABOR RAKES ABSOLUTELY NOT THIS
IS JUST AN ADDITIONAL
METHODOLOGY THAT WOULD BE
AVAILABLE IN THE VOLUNTEER IN
THE VOLUNTARY PROCESS.
OKAY I'M GONNA HAVE CENTER MORE
LOCK AND THEN WILL BE AND
SENATOR LARA.
IF JACK MADONNA COULD COME BACK.
TO THE TABLE [inaudible]
PLEASE -- I
UNDERSTAND THAT YOU'RE
INDUSTRIES HAVING A LOT OF FUN
CARS ARE GETTING.
MORE COMPUTERIZED MORE SENSORS
MORE CAMERAS.
GOT TO BE REAL DIFFICULT JORDA
EVEN PUT A BUMPER ON ANYMORE I
WOULD.
I WOULD THINK BUT THE THESE
LABOR RATES IN AND THESE THESE
SURPLUS IN THIS METHODOLOGY --
ARE YOU EVER GONNA STRIKE A
BALANCE BETWEEN THE TWO
DIMENSIONS OF BODY.
JOBSON INSURERS COMMUNITY ARE
WHAT HE LOOKING TO ACHIEVE
RATHER THAN GEOGRAPHY WELL
SCHOOL YEAH SO YOU KNOW THE BODY
SHOP'S DO WORK WITH OBVIOUSLY
INSURANCE COMPANIES ON A DAILY
BASIS ON SO.
LOT OF THESE THINGS ARE RESOLVED
BY NEGOTIATION --
UNFORTUNATE THE LABOR RATES
SURVEYS THAT HAVE BEEN ABOUT AND
COME ABOUT THE LAST YOU KNOW THE
TWENTY YEARS OR SO SOME OF THOSE
SURVEYS ARE USED --
IN A WAY THAT CAP THE AMOUNT
THAT A SHOP CAN RECEIVE AND WHEN
THEY'RE CHARGING A THE CUSTOMER.
AND SO THE WAY THE SURVEYS HAVE
BEEN USED TO DATE WE BELIEVE IT
THEY'VE BEEN INAPPROPRIATELY
USED TO CAP RATES --
AND THEY HAVE IT END UP HURTING
CONSUMERS BECAUSE THEY END UP
HAVING TO PAY OUT OF THEIR
POCKET OR THAT SORT OF THING --
WAR THE SHOP IN SOME EATING IT
WE MAYES CONDUCTED AND WE THINK
SURVEYS IF INSURERS WANT TO
CONDUCT SURVEYS THAT'S FINE WE
JUST BELIEVE THAT THEY SHOULD BE
DONE IN A FAIR.
REASONABLE AND ACCURATE MANNER
--
SO IF THE DEPARTMENT OF
INSURANCE THAT THE LAST FRIDAY
OF THE DAY JUST RECENTLY ENACTED
REGULATIONS AND WE SPENT BY
PROXY FIVE YEARS TO COME UP WITH
WE'VE WE FELT SORT OF A FAIR
SOLUTION --
INCOMING UP AND HAVING CERTAIN
CRITERIA WHEN AN INSURER
CONDUCTS A SURVEY THAT HAVE TO
MEET CERTAIN CRITERIA A CRITERIA
TO MAKE SURE THAT THE SURVEYS
DONE FAIRLY --
IN ONE OF THE CONTENTIOUS ISSUES
THERE WAS THE GEOGRAPHICAL AREA
--
AS I INDICATED THE LARGER THE
AREA YOU INCLUDE A LOT MORE
SHOVEL A DIFFERENT AREAS AND
WHAT THAT DOES IS ARTIFICIALLY
LOWER WITH THE PREVAILING RATE
IS.
AND WE BELIEVE THE AREA SHOULD
BE SMALLER AND THAT'S WHAT THE
DEPARTMENT ENDED UP DOING A
ENDED UP SAYING THAT THEY CAME
UP WITH THE GEO CODING THAT WAS
MENTIONED.
THAT THEY HAD THE CLOSE SIX
CLOSE SHOPS --
IN THAT WAS THEY WERE COMPARING.
THE BILL SHOPS --
IN THAT'S IN THAT MARKET WE
THOUGHT THAT WAS FAIR --
BUT UNFORTUNATELY SURE IS LIKE
TO KEEP IT LARGER AND THAT.
REDUCES THE THE THE RATE SO WE
THINK AND THIS.
PARTICULAR VEHICLE OR THIS OF
THIS BILL IF THE GEOGRAPHICAL
AREA WAS IF WE FOUND THE RIGHT
BALANCE WHERE WOULD WE THOUGHT
THE AREAS WERE FAIR AND
ENCOMPASSES THIS THE MARKET A
PARTICULAR A LOCAL MARKET.
WE WOULD FEEL MORE COMFORTABLE
--
AND AND AND BUT WE'VE BEEN
TRYING WE'VE NEVER WE'VE NEVER
COME UP WITH THE RIGHT SOLUTION
WE'VE TRIED FOR MANY YEARS AND I
AND I KNOW THESE GENTLEMEN HERE.
WE'VE WORKED --
OVER QUITE A FEW YEARS IT'S VERY
CONTENTIOUS AND IN VERY
CONTROVERSIAL WHEN YOU START
DRAWING LINES.
SO WE'VE BEEN TRYING BUT THAT'S
THAT'S ONE OF THE BIG AREAS IS
THE GEOGRAPHICAL AREA.
YOU BRING IT CLOSER TO HOME FOR
ME.
IS ORANGE COUNTY.
THAT'S THAT'S ON THE MAP.
THAT'S THAT'S GOING TO BE
PROBLEMATIC THAT'S GOING TO BE
QUITE LARGE THE ENTIRE COUNTY
YOU'RE GOING TO COMPETE.
THINK OF YOUR COUNTY YOU'RE
GONNA HAVE YOU KNOW DIFFERENT
AREAS THAT --
CERTAIN MARKETS HAVE HIGHER
RENTS RIGHT THEY'RE GONNA CHARGE
A LITTLE BIT MORE THE COST OF
LIVING OR IS A PARTICULAR
MINIMUM WAGE THERE THOUGH THE
SHOP NEEDS TO CHARGE A LITTLE
BIT MORE --
AND THEY SHOULD GET PAID.
MORE AND THAT PARTICULAR AREA
BUT IF YOU START COMPARING IT AT
PARTICULAR SHOP AND PICK A HIGH
DISTRICT IN IN IN YOUR IN YOUR
MARRIAGE AND ORANGE COUNTY.
AND THEN YOU COMPARE IT TO
ANOTHER AREA --
THEN THAT REDUCES THE RATE THAT
BUT THE SHOP CAN CHARGING IN THE
IN THE IN THE AREA THAT IS A
HIGHER MARKET AND WE THINK
THAT'S UNFAIR.
WE THINK IT'S UNFAIR FOR A SHOP
--
TO END UP GETTING PAID LESS THAN
AT HIGHER AND DISTRICT VERSUS A
SHOP IN A LOWER RENT DESTRY WHY
SHOULD THE LOWER RENT DISTRIBUTE
A BUMP UP THAT'S NOT FAIR
EITHER.
SO -- GUYS
ONLY EIGHT HUNDRED SQUARE MILES
YEAH RIGHT THAT'S A HUGE AREA
[inaudible]
REALLY. THREE OF THEM IN THE
GRAND CANYON.
SO I'M JUST TRYING TO FILL A LOT
OF BY SHOPS AND I I DON'T
REMEMBER THE LAST COUNT IN
ORANGE COUNTY BUT THERE WERE
QUITE A FEW BODY SHOPS --
IT IN THE ORANGE COUNTY DON'T
HAVE THAT EXACT NUMBER AND I
KNOW LIKE INSTANT CENTER CERTAIN
OF I'M SURE OF WHAT YOU.
FEEL THEY MEAN.
LIKE ORANGE COUNTY IS. EIGHT ARE
PERMEATED SEEM SMALL RENO BUT
HOW WOULD YOU CHOP IT UP I MEAN
HOW TO HELP TINY TO THESE
LITTLE.
AREAS GET THAT'S WHO I AM.
THROUGH THE CHAIR I AM THAT
THROUGH THE CHAIR THE COUPLE
THINGS --
THAT THAT'S KIND OF BEEN THE
SOURCE OF CONTENTION THAT MEAN
WE'VE GONE THROUGH LIKE I SAID
WE STARTED WE WE WENT TO EIGHTY
AREAS.
WHICH WAS NOT SUFFICIENT WE WE
HAD A IT'S BEEN A CHALLENGE
ALTHOUGH WE HAVE MADE HUGE
PROGRESS OF THE WHO BODIES ON
THE CHALLENGE IS THAT DECISION
ON AREAS AND WHAT.
MAKES SENSE FOR AN INSURANCE
COMPANY AND WHAT WOULD SATISFY
THE AUTO BODY SHOPS THEY ALSO DO
WANT TO MAKE VERY CLEAR THOUGH
THAT IN THE LANGUAGE I KNOW
THAT.
IT WAS SPOKEN ABOUT THAT LABOR
EIGHT SURVEYS --
WERE USED AS A CAP OF FOREIGN
IT'S VERY CLEAR IN THIS LANGUAGE
THAT IT IS NOT A MAXIMUM OR
MINIMUM THAT'S VERY CLEAR
LANGUAGE IN THIS AND IN THIS AND
WE DID FEEL AND SOME CHAIRS OF
FROM COMMITTEES BEFORE US DID
FEEL THAT WE WE DID WANT TO
LIFT.
THE BOTTOM SO YES TO JACK'S
POINT SOME OF THE AREAS THAT WE
HAD DESIGNATED --
THOSE WHO WERE NOT MAKING AS
MUCH ON THE LABOR EIGHT SURVEY
WE HAVE DONE A LOT TO PROTECT
THEM.
IN THIS BILL I'M WHETHER IT'S
BEING CALLED A QUALIFY ANNA'S
ONLY A QUALIFIED SHOT CAN BE
SURVEYED OR WHETHER THAT IS NOT
USING A DISCREET DISCOUNTED
RAIN.
ON WE HAVE PROTECTED THE LOOK
THOSE WHO ARE MAKING LESS.
I'M ON THESE AND THEN ALSO BY
SAYING THAT IT'S NOT A RUN OF
THE MILL REPAIR THAT NOW THAT
THIS IS JUST A STARTING FOR
NEGOTIATION POINT.
WE'VE DONE ALL THOSE THINGS
ACTUALLY TO ME PUT LESS PRESSURE
ON THE GEOGRAPHIC AREAS IT WAS
THE HOPE THAT DOING ALL OF THOSE
THINGS WE WOULD GIVE ENOUGH
CERTAINTY THAT YOU WOULD NOT BE
MAKING THE MINIMUM.
THAT YOU WOULD BE MAKING THEM
UNFAIRLY PARADE SO THAT THE
GEOGRAPHIC AREAS BECAME LESS.
I'M OF A CONTENTIOUS AREA THAT
HAS NOT BEEN WORKED OUT TO BE
THE CASE BUT WE CONTINUE TO WORK
ON WHAT IS THE RIGHT SIZE AND
WHAT'S.
WHERE WE CAN FIND A MIDDLE
GROUND FOR EVERYBODY?
OKAY I HAVE CENTER LARA LEAN
COME BACK YOU FOR A MOMENT IF
YOU HAVE ADDITIONAL QUESTIONS
BUT I'M NOT GONNA WOULD YIELD TO
SENATOR LOTT.
I WASN'T ASKING YOU.
TO IT ON THAT.
THANK YOU CENTER LARA.
AGAIN HENCE WHY THIS IS SO
COMPLICATED AND I I WANT TO
THANK BOTH OF SUPPORTERS AND THE
OPPONENTS.
FOR CONTINUED TO TRY TO FIGURE
OUT WHERE.
AT ALL AS A SWEET SPOT THE
THUMPING THAT.
THAT NEEDS TO BE DONE AND
THANKYOU.
ASSEMBLY BURKE FOR NOT TRYING TO
GET THIS TIME IT'S BEEN --
BUT WHILE I KNOW A BUT I THINK
--
YOU KNOW I'M GONNA BE SUPPORTING
THE BILL TODAY I THINK THERE'S A
GOOD ENERGY AND AND THEIR MENTAL
SHIZHEN HAPPENING I THINK WE CAN
GET SOMEWHERE.
UP AGAIN A UNDERSTANDING YOU
KNOW THE AREA YOU WERE PRESENT
AND WERE WERE PULLED FROM THAT
MAKE SURE WE DON'T DISADVANTAGE
--
THOSE LAWS SHOP OWNERS ARE
BECAUSE IT IS A LEVY HAD FOR SO
MANY FOLKS AND I KNOW YOU HAVE
THEIR INTERESTS IN MIND AND I
KNOW WHAT TRYING TO GET TO A
POINT WHERE WE CAN.
DO SOMETHING THAT'S AT THE FAIR
AND ACCURATE SO --
YOU KNOW I KNOW SENATOR MITCHELL
THE BILL BUT I'M HAPPY
SUPPORTERS DAY AND TO KEEP THE
BECAUSETHE THE CONVERSATION
GOING THANK YOU FOR INVOLVING
THE DEPARTMENT IN THE
NEGOTIATIONS.
THAT'S ALWAYS A LOT OF SO I WANT
TO THANK YOU FOR DOING THAT AND
I'M HAPPY TO SUPPORT THE BILL.
LET ME --
THANK YOU CENTER LARA --
AND LET ME MAKE A FEW COMMENTS
AND WE'LL GIVE YOU THE CHANCE TO
CLOSE.
ASSEMBLY MEMBER BURKE I ALSO
WANT TO THANK YOU FOR YOUR GOOD
WORK IN THIS AREA.
I KNOW THAT --
YOU COME AT THIS FROM.
AYE I'VE PAID A DESIRE FOR
FAIRNESS AND BALANCE AND AS MUCH
AS I WE ONE GOOD REPAIRS --
EVERYWHERE THAT WE ALSO WANT
REASONABLE COSTS AND SURE IT'S
COSTS GO UP THAT MEANS THAT THE
CONSUMERS PAIN MORE TOO SO IT'S
IT'S STRIVING TO FIND THAT RIGHT
BALANCE THAT.
WHERE PERFECT CANNOT BE THE
ENEMY OF THE GOOD AND I KNOW
THAT'S DRIVING YOU AND MANY
INVOLVED IN IN THIS EFFORT?
I I I WOULD NOTE THAT --
THAT WITHIN THE AMENDMENTS THAT
WERE TAKING TODAY --
AND I BELIEVE THIS IS AN
AMENDMENT THAT WAS SUBMITTED BY
THE AUTO BODY ASSOCIATION --
WAS -- THIS
LANGUAGE FOR THE PURPOSES OF
THIS SECTION MARKET CONDITIONS
MEANS.
VARIOUS LOCAL ECONOMIC FACTORS
LOCAL ECONOMIC FACTORS INCLUDING
BUT NOT LIMITED TO LABOR COSTS.
BRENT LAND PRICES.
AND LOCAL LAWS AND REGULATIONS
YET AND I THINK THAT WAS.
IT.
PUT FORWARD WITH THE COULD TO
GET THE SPIRIT OF TRYING TO
RECOGNIZE EACH THESE
GEOGRAPHICAL DIFFERENCES RIGHT
THAT GO.
THAT ARE JUST TO COUNTY LINES
AND I THINK THE AUTHORS
WILLINGNESS INCLUDE THIS WE
PROVIDE WHICH I THINK IT SPEAKS
TO THEIR GOOD GOOD DATA.
RIP THEIR WILLINGNESS TO TRY TO
FIND THAT BALANCE UNIT THE LINES
AREN'T PERFECT YET.
I BUT I KNOW THAT --
SHE'S COMMITTED TO CONTINUING TO
WORK ON THAT AREA I CERTAINLY
FOR FOR THE DEPARTMENT OF
SHARON'S THEIR EXCITEMENT ABOUT
BEING IN THE ROOM.
COULD -- AND
AND I THINK THAT WHAT'S BEFORE
US TODAY IS A IS A GOOD BILL --
THAT IT'S NOT PERFECT BUT IT'S
VERY GOOD.
ALL THAT THE HARD WORK ON IT
CERTAINLY OUR STAFF HERE IN THE
IN THE COMMITTEE ON INSURANCE
THAT HAVE DISSIPATED THAT.
IT'S BEEN A CONSTRUCTIVE
ENGAGEMENT AND I KNOW WE'RE NOT
TOTALLY THERE YET --
BUT THAT THAT THAT THAT EFFORT
WILL CONTINUE AND I'M I'M HAPPY
TO SUPPORT THE BILL TODAY.
SO I'D LIKE TO GIVE THE AUTHOR
THE OPPORTUNITY CLOTHES IF YOU
WISH OUT WITH THAT I THAT I
THINK YOU FOR YOUR COMMENTS
THEIR THEIR SPOT ON WE ARE
PREPARED TO CONTINUE TO WORK ON
THIS AND AND I IT IS A COMPLEX
DIPPED DIFFICULT ISSUE WHEN THEY
AND IT.
HAS BEEN CONTENTIOUS FOR LAW FAR
LONGER THAN I'VE BEEN HERE BUT
WE'VE MADE GREAT PROGRESS THINGS
TO SO MANY ON YOUR STAFF.
AND TO THE STAKEHOLDERS WHETHER
THEY ARE STILL WHETHER THEIR
SUPPORTERS TODAY ARE NEUTRAL OR
STILL IN OPPOSITION AND IT IT
HAS BEEN A GOOD PROCESS AND WE
HAVE MOVED VERY VERY FAR FROM
WHERE WE STARTED WITHOUT I
RESPECTFULLY ASK AN EYE FOR AN
EYE WILL.
OKAY LIKE CENTER LARA THE
ABSENCES SENATOR MITCHELL --
IS MOVE THE BILL.
AND THAT WOULD THAT WE CALL THE
ROLL.
AB TWENTY TO SEVENTY SIX THE
MOTION THAT'S TO PASS AS AMENDED
TO APPROPRIATIONS.
FEAR GLAZER AYE LEISURE I HATE
VICE YOUR GAINES.
BATES AYE BERRYHILL GALGIANI.
GALGIANI AYE HERNANDEZ.
BURKE HERTZBERG HUESO LARA LARA
AYE MITCHELL [inaudible]
MORE ALIVE [inaudible]
MORRELL.
MORRELL AYE.
PORTANTINO.
PORTANTINO AYE ROTH.
THERE'S A RESTRICTED CURRENTLY
ENJOY SIX VOTES WERE GONNA HOLD
THE ROLE OPEN FOR ABSENT MEMBERS
THANK YOU SO MUCH.
OKAY MISTER WOULD THANK YOU FOR
YOUR PATIENCE BACK THERE.
SO WHAT MISTER WOOD IS
PRESENTING ITEM TO AB.
EIGHTEEN SEVENTY FIVE THANK YOU
FOR BEING HERE ACCURACY THANKS
VERY MUCH MR CHAIRMAN MEMBERS
I'D LIKE TO START BY ACCEPTING
THE COMMITTEES AND AMENDMENTS
AND THANK THEM FOR WORKING THEIR
WORK ON THIS BILL.
LATE ON THE NIGHT OF OCTOBER
EIGHTH LAST YEAR WHAT THE
WILDFIRES RACED TO SNAP A
SNOWMAN MENDOCINO COUNTIES.
THE FIRES DESTROYED OVER EIGHT
THOUSAND HOMES INCLUDING OVER
THREE THOUSAND IN THE CITY OF
SANTA ROSA LOAN.
THOUSANDS OF MY CONSTITUENTS
FOSTER HOMES AND EVERYTHING THEY
OWN IN ONE NIGHT.
AND THE AFTERMATH OF THIS
TRAGEDY THOUSANDS OF FAMILIES
ARE FINDING THEMSELVES UNDER
INSURED AND STRUGGLING TO
REBUILD HOMES.
THE MOST RECENT STUDY ESTIMATES
60% OF PEOPLE WHO LOST THEIR
HOMES WILL WIND UP UNDER
INSURED.
IS UNDER INSURANCE EPIDEMIC IS
DUE IN PART TO SIGNIFICANT SURGE
IN DEMAND FOR BUILDING MATERIALS
AND SKILLED LABOR.
PROPERTY OWNERS AND CONTRACTORS
ALIKE REPORT THE COST.
PER SQUARE FOOT TO BUILD A HOME
IN SANTA ROSA HAS MORE THAN
DOUBLED SINCE THE FIRES IN
OCTOBER.
THEIR EXISTING INSURANCE
PRODUCTS THAT ARE DESIGNED TO
HELP PROTECT PROPERTY OWNERS
WHEN REBUILDING COSTS SURGE.
THIS BILL LAST DEPARTMENT
INSURANCE TO DEVELOP A HOME
INSURANCE FINDER TOOL THAT ALLOW
PROPERTY OWNERS TO EASILY
IDENTIFY THE OPTIONS AVAILABLE
TO THEM.
AND REQUIRES INSURERS WHO DO NOT
OFFER OR REFUSE TO OFFER A 50%
EXTENDED REPLACEMENT COST POLICY
TO PROVIDE THE PROPERTY OR WITH
INFORMATION ABOUT THE INSURANCE
OFF OPTIONS THAT ARE AVAILABLE
TO THEM.
I WANT TO THANK THE COMMITTEE
DEPARTMENT --
AND THE INDUSTRY --
FOR THEIR ENGAGEMENT AND HARD
WORK ON THIS BILL IS --
TESTIFY AND IN SUPPORT OF THE
BILL ON BEHALF THE DEPARTMENT OF
INSURANCE ROBERT CARO AND KAREN
LAYING FOR MENDOCINO COUNTY
pBREAK WELCOME THANK YOU GOOD
AFTERNOON MISTER CHAIRMAN WAS
KAREN LAYING ON BEHALF OF THE
BOARD OF SUPERVISORS AND NAPA
AND MENDOCINO COUNTIES.
THAT IS VERY TRUE WITH THE
AUTHORS DESCRIBE MEAN AS FAR AS
INSURANCE RELATED CHALLENGES FOR
THIS CONSTITUENTS THE BOARD OF
SUPERVISORS DOING EVERYTHING
THEY CAN TO HELP THEIR
CONSTITUENTS RECOVER THIS IS AN
IMPORTANT PART OF THAT AT A WORK
TO DO AND WE ASK FOR YOUR AYE
VOTE THIS.
AFTERNOON THANK YOU SO MUCH
THANK YOU AFTERNOON MISTER
CHAIRMAN MEMBERS ARE HER OF THE
DEPARTMENT OF INSURANCE OUT
WE'VE BEEN WORKING WITH THE
AUTHOR --
FOR QUITE AWHILE NOW ON THIS AS
IT HAS TAKEN SOME SOME TURNS --
AND BUT WE DO THINK THAT THE
OVERALL OBJECTIVE HERE IS A GOOD
--
ONE AND WE WOULD LIKE TO
CONTINUE TO WORK WITH THE AUTHOR
AND OTHER STAKEHOLDERS ON SOME
OF THE LOGISTICS HERE BECAUSE I
THINK THE LACK THE LATEST TURNS
THAT THE BILL HAS TAKEN.
A PURPOSE INTO --
KINDA COMPLICATED FISCAL
TERRITORY WILL MAKE SURE THAT WE
CAN MINIMIZE THAT AS MUCH AS
POSSIBLE.
UP BUT GIVEN THAT WE'VE BEEN
WORKING WITH THE AUTHOR READ
LIKE TO CONTINUE TO DO THAT I
WILL BORE THE COMMITTEE WITH
SOME OF THOSE ISSUES OTHER THAN
TO TRUST THAT WILL CONTINUE TO
WORK -- ON
MAKING THOSE AS A POSSIBLE.
YOU KNOW CALIFORNIA'S ON SO THE
WE NEED EVERY BIT OF HELP WE CAN
GET AYE AND THERE'S MODELS THAT
WE CAN USE TO HELP TO MAKE THIS
WORK BETTER FIT THANK YOU OTHER
WITNESSES IN FAVOR.
MISTER CHAIR MEMBERS AND ABOUT
COME BEHALF OF THE CALIFORNIA
ASSOCIATION OF REALTORS WERE IN
SUPPORT OF THIS BILL RATE THANK
YOU FOR BEING HERE.
THE SEAT RURAL COUNTY
REPRESENTATIVES OF CALIFORNIANS
SUPPORT.
THANK YOU.
CARA CROSS PERSONAL INSURANCE
FEDERATION OF CALIFORNIA
ACTUALLY NEUTRAL ON THIS BILL
WE'RE LOOKING FORWARD TO A
CLARIFYING WHEN THE BILL
ACTUALLY IS TRIGGERED. FOR
PROVIDING REFERRALS TO ON THE
PERMIT INSURANCES WEBSITE
THINKING.
A THANK YOU ANY OTHER WITNESSES
IN FAVOR.
ARE THERE ANY WITNESSES IN
OPPOSITION.
I'D SEEN THAT WILL BRING IT
BACK.
TO THE COMMITTEE MISTER WOULD
YOU AND YOUR COLLEAGUES HAVE HAD
A HECK OF A FEW MONTHS.
AND ALL OF US OVER I KNOW IT'S
NOT AND SOME PEOPLE.
SAY IT MAY BE THE NEW NORMAL BUT
DIED WE PUT* ALL YOUR GOOD
WORK TO PROTECT YOUR
CONSTITUENTS AYE.
YOU AND CERTAINLY SENATOR DODD
AND SENATOR MCGUIRE BEEN AMAZING
SENATOR LEVIN THERE'S A OF A
COLLECTION OF OTHER OF YOUR
COLLEAGUES AT ALSO REALLY
STEPPED UP TO TO TO MAKE SURE
THAT.
THAT WE'RE DOING EVERYTHING WE
CAN TO PROTECT OUR HOMEOWNERS
ARE RESIDENTS.
OUR CONSUMERS AND I THANK YOU
THIS IS AN EXCELLENT BILL.
AND HAPPY TO SUPPORT IT TODAY.
ANY OTHER COMMENTS YOUR THOUGHTS
REMEMBERS THAT SENATOR GAINES.
WHAT EFFECT ASSEMBLY MEMBER
WOULD FOR BRINGING THIS FORWARD
HAD?
I'M JUST TRYING TO GET
CLARIFICATION --
BASED ON THE AMENDMENTS HERE
[inaudible]
THAT -- WHAT
THIS WOULD DO IS ESTABLISH A
CALIFORNIA HOME INSURANCE
FINDER?
ON THE DEPARTMENTS INTERNET
WEBSITE RIGHT.
CORRECT AND THAT'S THAT'S NICE
AND CLEAN AND THAT'S THE BILL
RIGHT.
IT IS OKAY BASED ON THE ON THE
AMEND STATE IT IS --
YOU KNOW WITH THIS WOULDN'T BE
AN ISSUE I MEAN I I REMEMBER
YEARS AND YEARS AGO I HAD.
A REPLACEMENT COST POLICY FOR MY
HOME.
NOW THOSE DON'T EXIST ANYMORE.
A TRUE REPLACEMENT COST POLICY
DOES NOT EXIST --
AND SO THE REPLACEMENT COST IS
BASED ON A VALUE THAT IS SET UP
AS PART OF THE POLICY.
ON SO ALL WE'RE TRYING TO DO IS
GIVE.
THOSE PEOPLE WHO WANT EXTENDED
COVERAGE ARE WILLING TO PAY FOR
EXTENDING COVERAGE AND UP TO
DEFINE THAT AND THAT'S WHAT THE
THAT'S THE HEART OF THE BILL
OKAY THERE IS A I THINK A
PROVISION EARLIER OF
NOTIFICATION BY THE AGENT.
BUT THAT PROVISIONS NO LONGER
PART OF THE LAW ACT.
IF THEY DON'T OFFER THE EXTENT
OF POLICY THERE'S A NOTED
NOTIFICATION ABOUT THE TOOL.
THIS AVAILABLE FOR CONSUMERS
OKAY.
ALRIGHT THAT THEY CAN GO TO THE
WEBSITE CORRECT YEAH OKAY BROUGH
IKEA.
OUR AND YOUR THOUGHTS OR
COMMENTS FROM MEMBERS WHO
ANYTHING YOU'D LIKE TO SAY IN
CLOSING STRICTLY AFTER I'VE OF
OKAY VERY GOOD.
YEAH SO IS OUR MOTION.
CENTER GALGIANI IS BOTH THE
BILL.
WAS THAT THANK YOU AGAIN FOR
YOUR GOOD WORK IN THIS AREA THE
SECRETARY WOULD CALL THE ROLL.
AB EIGHTEEN SEVENTY FIVE THE
MOTION IS TO PASS AS AMENDED TO
APPROPRIATION.
SURE GLACIER I I WISH I BET
YOU'RE GAINES PART GAINES AYE
BERRYHILL GALGIANI GALGIANI AYE.
FERNANDES HERTZBERG HUESO LARA.
MITCHELL MORLOCK MORE LIKE AYE
MORALE Y. REAL TIME PORTANTINO.
PORTANTINO AYE ROTH.
OKAY THOUGHT MISTER WOULD THAT.
THE BILL CURRENTLY HAS SIX VOTES
WERE NOT PUT ON CALL FOR ABSENT
MEMBERS THANK YOU AGAIN
[inaudible]
OKAY.
FINALLY MR CHOW I I SEE OR HEAR
THANK YOU.
APPRECIATE YOUR PATIENCE.
WELCOME TO THE COMMITTEE ON
INSURANCE.
AND YOU'RE PRESENTING ITEM
NUMBER.
NINE AB.
TWENTY SIX THIRTY FOUR THANK YOU
VERY MUCH OF MISTER CHAIRMAN AND
NOW SENATORS.
I LIKE TO START OFF BY ACCEPTING
ALL OF THE AMENDMENTS LISTED ON
PAGE FIVE OF THE ANALYSIS AND
ALSO TO GIVE.
THE IN SERIOUS MORE FLEXIBILITY
WHEN PROVIDING ILLUSTRATIONS.
AB TWENTY SIX THIRTY FOUR WOULD
REQUIRE AN INSURER TO PROVIDE
NOTICE TO A POLICY HOLDER OF A
FLEXIBLE PREMIUM LIFE INSURANCE
POLICY.
WHATEVER THE POLICY IS SUBJECT
TO AN INCREASE IN THE COST OF
INSURANCE OR IT IF
ADMINISTRATIVE EXPENSES CHANGES.
NO LATER THAN NINETY DAYS BEFORE
THE EFFECTIVE DATE.
THE BILL ALSO REQUIRED TO NOTICE
TO INCLUDE SPECIFIED INFORMATION
AND ILLUSTRATIONS ABOUT THE
INCREASE.
INSURANCE ARE CURRENTLY REQUIRED
TO PROVIDE EACH POLICY OWNER
WITH AN ANNUAL STEAM AND THAT
PROVIDES VALUABLE INFORMATION
ABOUT THE CURRENT STATUS OF THE
POLICY.
WHICH INCLUDES DETAILED
INFORMATION REGARDING PREMIUMS.
PINTEREST CREDITED COST OF
INSURANCE EXPENSES DEDUCTED AND
THE OVERALL EFFECT ON THE CASH
VALUE.
BASED ON INFORMATION PROVIDED ON
THE ANNUAL STATEMENT MOST
CONSUMERS ARE UNABLE TO IDENTIFY
THE FACT.
THAT THEIR PREMIUMS ARE NO
LONGER SUFFICIENT TO COVER THE
COST OF INSURANCE AND EXPENSES
OF THE POLICY.
WITHOUT THIS KNOWLEDGE SHOW
THEIR POLICIES WILL REQUIRE
SUBSTANTIAL PAYMENTS ARE OR WILL
LAPSE.
HE B. TWENTY SIX THIRTY FOUR
WOULD ENSURE THAT CONSUMERS ARE
PROVIDED ADEQUATE NOTIFICATION.
AND INFORMATION ABOUT THEIR LIFE
INSURANCE SO THAT THEY CAN MAKE
INFORMED DECISIONS AND PLAN
ACCORDINGLY TO AVOID A POSSIBLE
CANCELLATION OF COVERAGE.
AT THIS TIME AND I TO TURN IT
OVER TO MY WITNESSES TO
INTRODUCE THEMSELVES.
GOOD AFTERNOON MISTER CHAIRMAN
AND MEMBERS FOR THE LAST TIME
ROBERT HER OUT WITH THE
DEPARTMENT OF INSURANCE --
WE HAVE SEEN WE HAVE THE SPONSOR
OF THIS MEASURE WE'VE SEEN
MASSIVE INCREASES OF THE SO
CALLED UNIVERSAL LIFE TYPE
POLICIES --
AND THE PROBLEM THAT WERE SEEN
IS THAT CONSUMERS HAVE LITTLE TO
NO NOTICE OF MASSIVE INCREASES
IN FACT WE'VE SEEN INCREASES AS
HIGH AS IT'S HUNDRED AND 72%.
AND FOR SOMEONE TO DECIDE DO I
WANT TO KEEPING THAT POLICY OR
NOT AYE WHEN IT'S GONE UP MORE
THAN SIX FOLD AND WHILE THAT IS
THE EXTREME EXAMPLE WE'VE SEEN
LOTS OF DOUBLING AND TRIPLING
AND QUADRUPLING SO.
I WE THINK THAT THIS IS AN
APPROPRIATE MEASURE TO IT
DOESN'T SAY THAT THE JURORS
CAN'T.
RAISE THOSE BY THAT PEOPLE HAVE
A LITTLE BIT MORE TIME TO FIGURE
OUT THEIR OPTIONS AND SO THAT I
CAN SAY LESS CENTER MORE LIKE
AND OTHERS CAN SAY MORE WE HAVE.
TO INDIVIDUALS TO SPEAK WHO HAVE
GONE THROUGH THIS EXPERIENCE I
TELL YOU THEIR STORIES.
RIGHT YEAH MY NAME'S PAY READING
TALIBAN ARBUCKLE TYPICALLY MOVE
THE MICROPHONE A LITTLE BIT
CLOSER SO WE CAN BE SURE TO HEAR
YOU.
THE BETTER THAT'S PERFECT THANK
YOU.
WHAT HAS BEEN AYE EACH PURCHASED
A UNIVERSAL I POLICY IN?
NINETY SIX AND WE WERE TOLD AT
THAT TIME THAT WOULD ACCRUE
MONIES IN THE POLICY AND AND IT
WOULD PROVIDE LIFE INSURANCE WE
THOUGHT THAT WAS GREAT TIME.
OF OUR PHILADELPHIA LIFE POLICY
WAS SOLD TO CAN SAY GO AND
ULTIMATELY TO WILCO AND ABOUT
TWENTY ELEVEN WE WERE INFORMED
BY THEM.
THAT OUR PREMIUMS WERE GOING TO
INCREASE A VERY SMALL AMOUNT AND
WE WERE GIVEN A CHOICE AT THAT
TIME. TO EITHER.
PAY THE EXTRA PREMIUM OR HAVE A
COME OUT OF THE MONIES A CREW.
AND SINCE IT WAS A VERY SMALL
AMOUNT I THINK FOR ME IT WAS
FINAL COUPLE DOLLARS IN FOR
HUSBANDS IT WAS PAN.
AND WE THOUGHT WELL WE'LL JUST
LET IT COME OUT OF A CRUDE
MONIES.
AND AND SO YOU KNOW IT WAS FINE
BUT WE NEVER HEARD FROM THEM
AGAIN AFTER THAT.
AND OF THE FIRST INDICATION THAT
WE HAD THAT MY HUSBAND'S POLICY
WAS IN JEOPARDY UP DEFAULT
OCCURRED TO SPRING.
FORMER RECEIVED A NOTICE THAT HE
WAS ENTERED AGREES AND I
INQUIRED HOW HE COULD BE IN A
GRACE PERIOD YOU READ ALL THIS
MONEY SUPPOSEDLY BUILDING UP IN
THIS POLICY --
AND THEY TOLD US THE ACCRUED
MONIES HAVE BEEN USED TO PAY THE
PREMIUMS.
AND THAT --
IF WE WANTED TO PAY MORE BUT WE
COULD OR WE COULD DEFAULT.
AND I WAS REALLY INCIDENTS I
THOUGHT.
WHY DIDN'T WE GET ANY NOTICE
THAT WE WERE FALLING BEHIND SO
MUCH -- AND
PREMIUMS HAD BEEN STEADILY GOING
UP EVERY YEAR.
THEY TRIPLED.
AND IT WAS PRETTY SHOCKING
[inaudible]
SO -- I
MYSELF HAD NEVER RECEIVED A
ANNUAL REPORTS MULTIPLE TIMES
THEY SAID THAT THEY SEND THEM
BUT I NEVER RECEIVED THEM WE
EACH HAD OUR OWN POLICY.
AND I DID REALIZE IT MY POLICY
HAD DOUBLED.
WHEN I COMPLAIN TO THE COMPANY
ABOUT NO FORMAL NOTIFICATIONS
ABOUT EXACTLY WHAT THE PREMIUM
WAS AND?
HOW WE WERE SUPPOSED TO PAY THEY
REFERRED ME TO THE?
ANNUAL REPORT.
WHICH I OFTENTIMES DIDN'T
RECEIVE --
AT THAT TIME I ASKED FOR
SPECIFIC INFORMATION ABOUT THE
COUNTS.
LETTER MONTHLY PREMIUMS WERE HOW
MUCH WAS LEFT IN EACH ACCOUNT
AND IT ALSO AS FOR THE PREMIUMS
FOR THE NEXT YEAR.
AND THEY TOLD ME ON THE PHONE
THAT THEY COULDN'T GIVE ME THAT
INFORMATION.
I THOUGHT WAS KIND OF POOR BUT
BUT THEY DID SAY THAT THEY WOULD
LOOK INTO IT AND MAIL ME THE
INFORMATION THAT I REQUESTED.
SO MY HASN'T POLICY WHICH HAD
STARTED OUT NINETY DOLLARS IS
NOW TRIPLE.
TO TO NINETY SIX AND NEXT YEAR
WILL BE.
THREE TWENTY ONE MINUTE THREE
BIG RISE FOR US YOU CN SEE
WE'RE NOT THE YOUNG CHICKS
ANYMORE.
AND MY POSY DOUBLED FROM THIRTY
FIVE TO SEVENTY FIVE IS GOING TO
BE EIGHTY NINE NEXT YEAR WHICH
IS AN INCREASE OF 15% WHICH I
THINK IS PRETTY HEFTY ACTUALLY
--
THERE'S A SMALL BALANCE IN MY
ACCOUNT.
AND THERE'S BASICALLY NOTHING
LEFT IN MY HUSBAND'S SO WE PAID
INTO THESE POLICIES FOR OVER
TWENTY TWO YEARS.
AND BASICALLY HAVE. ZERO BECAUSE
WE DIDN'T GET PROPER
NOTIFICATION AS FAR AS I'M
CONCERNED.
AND ONE OF THE DISTURBING
ACTIONS THAT THIS COMPANY DOES
IS THAT WHEN THEY DO SEND YOU
THAT NOTICE.
OF OF GRACE PERIOD AND THEY TELL
YOU THE SOME THAT MUST BE OF YOU
KNOW BROUGHT FORTH.
THEY SEND IT TO YOU.
WITHOUT.
ENOUGH TIME TO MAKE THE PAYMENT.
SO I ACTUALLY HAVE A DOCUMENT
HERE THAT SAYS YOU NOW OWE THIS.
AND IT WAS SENT.
ON THE TWENTY FIRST.
BUT IT WAS DUE.
ON THE TWENTY SO [inaudible]
YOU KNOW.
I THINK THAT A LOT OF THESE
COMPANIES THINK THAT.
THEY'RE IN CHARGE AND YOU'RE
JUST KIND OF A YOU HAVE NO
RIGHTS.
SO I'D LIKE TO SEE THIS
LEGISLATION THANK YOU FOR BEING
HERE AND* AND SHARING YOUR
STORY THINKING VERY MUCH.
YES SIR.
YES -- MY
NAME IS FREDERICK APPAREL I GO
BY RICK.
IN --
SEPTEMBER OF NINETEEN EIGHTY
SEVEN I PURCHASED A A WHOLE LIFE
POLICY WITH THE NORTH AMERICAN
--
THE MADE MY PAYMENTS BEAUTIFULLY
TALK A QUARTERLY PAYMENT OF FIVE
TWO HUNDRED FORTY SIX DOLLARS OR
NINE HUNDRED EIGHTY SIX A YEAR.
I'M SCARED ME.
BYE AND MAY THIRD OF ABOUT
NINETY THAT.
TWO THOUSAND SIXTEEN I RECEIVED
A NOTICE FROM THEM [inaudible]
THAT -- MY
CASH VALUE HAD.
PRETTY MUCH BEEN ELIMINATED AND
THAT I WOULD NEED TO PAY ANOTHER
HUNDRED EIGHTY NINE DOLLARS. TO
BRING MYSELF CURRENT FOR THAT
MONTH -- AND
IN IN JUNE ON JUNE TENTH OF
STAYING HERE.
TWO THOUSAND SIXTEEN ARE I
RECEIVED ANOTHER LETTER FROM
THEM THAT THEY'RE GONNA BE
TERMINATED MY INSURANCE --
AND IT MIGHT FOR I COULD.
REYES MIKE PREMIUM FROM TWO
HUNDRED FORTY NINE DOLLARS.
A QUARTER TO SEVEN HUNDRED FIFTY
ONE DOLLARS A QUARTER --
AT THAT TIME MY CONTACTED THE
DEPARTMENT OF INSURANCE AND ALSO
A OF THE WATCH.
BOB RUBIN ALSO WITH OUR LOCAL TV
STATION TO SEE WHAT IF ANYTHING
THAT COULD BE DONE.
AND ALL THREE AFTERWARD NO --
SO.
QUICKLY HERE UP BECAUSE MY
CHILDREN AND GRANDCHILDREN NOW
MAJORITY AGE I OPTED NOT.
TO PAY THE SEVEN FIFTY ONE AND
LET THE POLICY [inaudible]
COLLAPSE OKAY THANK YOU FOR
BEING HERE AND FOR SOME MY
PLEASURE DORI.
ARE THERE OTHER WITNESSES IN
FAVOR THE BILL THEY COME FORWARD
PLEASE.
YEAH IF YOU'RE TWEENER THIS IS
YOUR MOMENT.
AS CHAIR MEMBERS JOHN SURE YOU
CAN'T ASSOCIATION CALIFORNIA
LIFE AND HEALTH INSURANCE
COMPANIES WANT TO THINK THE
SPONSOR AND THE OTHER FOR
WORKING OF SOME THIS BILL WE'VE
MADE US SOME REALLY GOOD
PROGRESS FOR THE PAST COUPLE
MONTHS AND RIVER NEAR FINAL
AGREEMENT --
LOOK FORWARD A CONTAINER GOOD
WORK THANK YOU GREAT THANK YOU
FOR BEING HERE --
SO LET'S SWITCH TO ANY WITNESSES
IN OPPOSITION THEY PLEASE COME
FORWARD.
LAST CALL FOR WITNESSES IN
OPPOSITION OKAY LET'S BRING THE
MATTER BACK TO THE COMMITTEE ANY
COMMENTS OR QUESTIONS.
VICE YOUR GAINES.
FILLING THE RICH OFFERING VERY
LEGISLATION FORWARD I'M SORRY TO
HEAR.
ABOUT YOUR STORIES AND THAT I
THINK IT MAKES MAKES COMPLETE
SENSE THAT THERE BE DISCLOSURE.
AND PROPER NOTICE --
TO INSURANCE.
AND IT SOUNDS LIKE YOU'RE
WORKING WITH THE VARIOUS PARTIES
AND HAVE TRIED --
TO MOVE THE BILL ALONG SO.
I'D LIKE TO GO AHEAD MAKE A
MOTION AND THANK YOU VERY MUCH
THIS ISSUE WILL NOT HAPPEN AGAIN
IN THE FUTURE [inaudible]
I CAN.
ALL RIGHT BEFORE ACKNOWLEDGE
THAT MOTION ANY OTHER COMMENTS
OR THOUGHTS LET ME JUST THEN
ADDED MISTER SHALL THANK YOU
ALSO.
FOR I YOUR LEADERSHIP IN THIS
AREA THIS IS A VERY IMPORTANT
CONSUMER PROTECTION.
NOW IS THESE FINANCIAL PRODUCTS
--
GET MORE AND MORE COMPLICATED
NOT JUST IN THE WORLD OF
INSURANCE BUT IN A LOT OF OTHER.
PLACES IT IT GETS HARDER AND
HARDER FOR THE AVERAGE PERSON
REALLY TO UNDERSTAND WHAT'S
GOING ON AND I AND I
PARTICULARLY GLAD THAT THAT THE
DEAL IS.
AS YOUR BECAUSE IT REALLY IS
ABOUT.
I TRIED TO TALKS STRAIGHT.
WITH PEOPLE ABOUT WHAT'S
HAPPENING --
AND THESE PRODUCTS THAT THAT DO
HAVE THEIR ABILITIES IS NOT A
SIMPLE THING --
BUT THERE'S THERE'S CHANGES IN
THAT IN WITH THOSE CHANGES THERE
CAN REALLY BE A LOT OF CONFUSION
MISUNDERSTANDING AND GREAT
DISAPPOINTMENT --
IF PEOPLE AREN'T PAYING
ATTENTION SO I REALLY AM HAPPY
THAT IS A PART.
OF THIS BILL I KNOW THERE'S BEEN
A LOT OF PRODUCTIVE
CONVERSATIONS WITH OUR STAFF AND
AND WITH STAKEHOLDERS --
AT APPRECIATE YOUR TAKING THE
BILL FORWARD AS AMENDED.
AND WITH THAT I'M HAPPY SUPPORT
THAT BILL TODAY THANK YOU MUCH
CENTER GAINES LIKE TO MOVE THE
BILL AND THAT THERE'S SOMETHING
FURTHER.
CALL THE ROLL.
AB TWENTY SIX THIRTY FOR THE
MOTION IS TO PASS AS AMENDED TO
THE FLOOR.
CARE BLASIER AYE LEISURE AYE
VICE CHAIR GAINES.
GAINES AYE.
BERRYHILL A GALGIANI.
GALGIANI AYE HERNANDEZ HERNANDEZ
AYE HERTZBERG.
HUESO TWO LARA.
MITCHELL.
MORE LUCK MORE ALIKE AYE
MORRELL.
MORRELL AYE PORTANTINO.
PORTANTINO AYE ROTH. TO SHELVE
THE BILL HAD SEVEN VOTES WHICH
IS ENOUGH HIT MOVE IT FORWARD
WE'RE GONNA HOLD THE ROLE OPEN
FOR ABSENT.
THINK WELL THANK YOU VERY MUCH
SENATOR SHOULD.
OKAY MEMBERS THAT WE'VE
COMPLETED OUR AGENDA SO THOSE
WHO ARE HERE IN THE ROOM I AND
WHO ARE NAMED COMMITTEE DOING
OTHER IMPORTANT WORK TO HELP THE
CHILL COME DOWN.
I TO ROOM ONE TWELVE SO WE CAN
NOT TO CLOSE OUT THE RULE AND
ALL THESE BILLS I KNOW WE DO
HAVE SOME.
SENATORS WHO HAD DOUBLE DUTY
HAVE NOW COME INTO THE ROOM SO.
WE'RE GOING TO START AT THE TOP
--
LET ME JUST THAT MENTIONED OF
MEMBERS THAT --
ALL THE AMENDMENTS HAS PROPOSED
DIE IN THE STAFF REPORTS HAVE
BEEN ACCEPTED BY AUTHORS.
THERE'S SOME VARIATIONS ON YOU
THESE BILLS THAT I CAN GO INTO
IF YOU ARE INTERESTED --
BUT LET'S LET'S BEGIN.
LET'S BEGIN WITH THE ITEM ONE A.
B. THIRTEEN SEVENTY THREE IF THE
SECRETARY WOULD CALL THE ROLL
AGAIN.
AB.
THIRTEEN SEVENTY THREE THE
CURRENT VOTE IS. EIGHT EIGHT TO
NOTHING THE CHAIR VOTED AYE THE
MOTION IS TO PASS AS AMENDED TO
APPROPRIATIONS.
BERRYHILL HERNANDEZ HERNANDEZ
AYE HERTZBERG.
HUESO AYE AYE HUESO HIGH
[inaudible]
MORRELL [inaudible]
BROWN'S HIGH.
ALRIGHT THAT PHIL HAS ELEVEN
WILL WAIT FOR THE ABSENT MEMBERS
LET'S GO ON TO ITEM NUMBER TWO
WHICH IS AB EIGHTEEN SEVENTY
FIVE BY.
ASSEMBLY MEMBER WOULD THE
SECRETARY WOULD CALL THE ROLL HE
BEAT AB EIGHTEEN SEVENTY FIVE
THE MOTIONS DO PASS AS AMENDED
TO APPROPRIATIONS THE CURRENT
VOTE IS A TWO ZERO IN THE CHAIR
VOTED AYE --
BERRYHILL.
HERNANDEZ HERNANDEZ AYE
HERTZBERG HUESO.
HUESO AYE LARA [inaudible]
MITCHELL [inaudible]
ROTH.
ALRIGHT THAT WE'RE GOING TO HOLD
A OVERALL OPEN ON THAT MEASURE
--
MEMBERS ITEM THREE WAS INITIALLY
ON THE CONSENT CALENDAR WAS
PULLED OFF FOR A CLARIFICATION
AND AMENDMENTS --
SO WE'RE GONNA CALL THE ROLL
AGAIN ON AB TWENTY FORTY FIVE
ITEM.
THREE AB TWENTY FORTY FIVE THE
MOTION IS TO PASS AS AMENDED TO
APPROPRIATIONS THE CURRENT VOTE
IS A TWO ZERO THE CHAIR OTED
AYE CALLING ABSENT MEMBERS
BERRYHILL.
HERNANDEZ HERNANDEZ AYE
HERTZBERG HUESO.
HUESO HIGH MORALE [inaudible]
WELL I OKAY WE'RE GONNA MOVE OUT
TO THE CONSENT CALENDAR THIS IS
ITEMS FOUR AND TWELVE AB TWENTY
FORTY SIX IN AB.
TWENTY NINE TWENTY SEVEN
SECRETARY WOULD CALL THE ROLL
ABSENT MEMBERS.
THE MOTION IS DO PASSES DO PASS
APPROPRIATION THE CURRENT VOTED
SIX THE CHAIR VOTED AYE.
BERRYHILL.
HERNANDEZ HERNANDEZ AYE
HERTZBERG HUESO.
HUESO AYE.
MITCHELL.
BURRELL BRILL AYE ROTH.
ROTH AYE BRING HOLD THE ROLE
OPEN FOR ABSENT MEMBERS ON THAT
GOOD ITEM.
FIVE THIS IS AB TWENTY ONE FORTY
TWO BY ASSEMBLYMEMBER BIGELOW.
THE SECRETARY WOULD CALL THE
ROLL.
AB TWENTY ONE FORTY TWO THE
MOTION IS TO PASS AS AMENDED TO
APPROPRIATIONS THE CURRENT VOTE.
IS A FIVE ZERO THE CHAIR VOTES
AYE.
BERRYHILL [inaudible]
GALGIANI.
GALGIANI AYE HERS HERS HERNANDEZ
HIS WING.
HERNANDEZ AYE HERTZBERG
[inaudible]
HUESO.
KNOWLEDGE FINAL.
HUESO AYE [inaudible]
MORLOCK [inaudible]
MORRELL.
BRAILLE AYE ROTH [inaudible]
ROTH HIGH.
AND FOR THAT MATTER BACK ON
CALL.
NEXUS ITEM SIX THIS IS AB TWENTY
TWO SEVENTY SIX BY ASSEMBLY
MEMBER BURKE.
SECRETARY CALL THE ROLL AGAIN AB
TWENTY TWO SEVENTY SIX THE
MOTION IS TO PASS AS AMENDED TO
APPROPRIATIONS.
THE CURRENT VOTE OF SIX ZERO
THAT CHAIR VOTES AYE BERRYHILL.
HERNANDEZ HERNANDEZ AYE
HERTZBERG.
HUESO HUESO AYE MITCHELL --
FRONT [inaudible]
OKAY.
NOT NOT NOT VOTING.
FOR ALRIGHT WE'RE GONNA THE THAT
WE'RE GONNA HOLD THE ROLE OPEN
FOR ABSENT MEMBERS ON ITEM SIX
MOVED ITEM --
SEVEN AB TWENTY THREE NINETY
FIVE BY ASSEMBLY MEMBER
CALDERON.
THE SECRETARY WOULD CALL THE
ROLL AGAIN HE WE TWENTY THREE
NINETY FIVE THE MOTION IS TO
PASS AS AMENDED TO
APPROPRIATION.
CURRENT VOTED SEVEN TO ZERO THAT
YOUR VOTES AYE BERRYHILL.
HERNANDEZ HERNANDEZ AYE
HERTZBERG.
HUESO [inaudible]
SO I MORRELL.
MORRELL AYE ROTH.
ROTH AYE AYE.
I WOULD HOLD THE ROLE OPEN ON
THAT FOR ABSENT MEMBERS ITEM
EIGHT IS AB.
TWENTY FIVE NINETY FOUR BY
ASSEMBLYMEMBER FRIEDMAN.
THAT'S AB.
TWENTY FIVE NINETY FOUR BY
FRIEDMAN IF THE SECRETARY WOULD
CALL THE ROLL AGAIN MOTIONS TO
PASS AS AMENDED TO
APPROPRIATIONS THE VOTE IS A TWO
ZERO IN THE CHAIR VOTE
[inaudible]
I BERRYHILL.
HERNANDEZ HERNANDEZ AYE
HERTZBERG HUESO --
MORALE.
MORALE HIGH [inaudible]
HUESO I OKAY.
ALRIGHT.
THAT BILL.
CURRENTLY HAS 11-3 HOLD THE ROLE
OPEN FOR ABSENT MEMBERS ARE
GONNA MOVE TO ITEM NINE AB
TWENTY SIX THIRTY FOUR BY
ASSEMBLY MEMBER CHAO.
SECRETARY WOULD CALL THE ROLL
MOTION IS DO PASS AS AMENDED TO
THE FLOOR VOTERS NOW SEVEN ZERO
THAT YOUR VOTES AYE BERRYHILL
[inaudible]
HERTZBERG [inaudible]
HUESO.
ARE WE STILL AYE LARA.
MITCHELL.
ROTH.
ROCKLINE. NINE PROVIDE THAT BILL
ENJOYS NINE VOTES AND WE'LL KEEP
THE ROLE OPEN FOR ABSENT MEMBERS
MOVING ON TO ITEM TEN THIS IS AB
TWENTY EIGHT OH TWO BY
ASSEMBLYMEMBER FRIEDMAN THE
SECRETARY CALL THE ROLL.
THE MOTION IS TO PASS AS AMENDED
TO APPROPRIATIONS VOTE NOW IS
EIGHT ZERO THAT YOUR VOTES AYE
BERRYHILL.
HERNANDEZ HERNANDEZ AYE
HERTZBERG HUESO.
WHISTLE AYE.
MORRELL.
ARE MORRELL AYE.
ALRIGHT THAT BILL I CURRENTLY
ENJOYS --
ELEVEN VOTES WILL HOLD THE VOTE
THE VOTE OPEN FOR ABSENT
MEMBERS.
MOVING ON TO ITEM ELEVEN THAT'S
AB TWENTY EIGHT FORTY FOUR BY
COOLEY THE MI NOTE FOR MEMBERS
THAT -- THE
THE THE MOTION WAS AS AMENDED
WITH THE COMMITMENT FROM THE
AUTHOR TO CONTINUE TO WORK WITH
THE COMMITTEE.
ON A VARIETY OF ISSUES --
ON THE BILL SO WITH THOSE
UNDERSTANDINGS THE MOTION WAS
PUT FORWARD A CURRENTLY ENJOY
SIX VOTES [inaudible]
WHAT WOULD?
JUST JUST ONE MOMENT.
THIS IS THE VERSION [inaudible]
NANCY [inaudible] FOR THE ONES.
THERE ARE NO MEMBERS VIDAK.
THE MEDIA.
CARE.
YEAH WANTS TO HOLD ON ONE SECOND
WILL COME BACK TO FIGURE OUT
WHAT WE CAN DO THERE --
SO LET ME CLARIFY FIRST ON ITEM
ELEVEN WHICH YOU CAN OPEN THE
RULE LINE THAT'S TWENTY EIGHT
FORTY FOUR IT IS NOT.
BEEN FORWARDED WITH AMENDMENTS
TODAY.
THEY'RE AMENDMENTS THAT THE
AUTHOR IS COMMITTED TO WORKING
WITH THE COMMITTEE ON GOING
FORWARD SO THAT WHEN YOU OPEN
THE ROLE AGAIN ON AS IF THE
CLINTON.
DOT NOT AS AMENDED SO THIS IS AB
TWENTY EIGHT FORTY FOUR AS
SUBMITTED TO THE COMMITTEE WITH
THE COMMITMENTS OF THE AUTHOR.
TO CONTINUE WORK ON THESE
AMENDMENTS [inaudible]
YEAH.
GUESS I'LL AB TWENTY FORTY FOR
THE MOTION IS TO PASS TO THE
FLOOR.
THE VOTED SIX ZERO THE CHAIR
VOTES AYE BERRYHILL.
HERNANDEZ HERNANDEZ AYE
HERTZBERG HUESO HUESO AYE LARA
[inaudible]
MITCHELL ROTH AYE ROTH AYE.
THE THREE OF LEUKEMIA
[inaudible]
SO I PHILIP COOLEY --
CURRENTLY ENJOYS NINE VOTES WERE
GONNA HOLD THE ROLE OF
CONTRAPTION MEMBERS WERE TO DO
THAT -- OKAY
SO LET US --
TAKE A PAUSE HERE AS WE ASK
ABSENT MEMBERS TO COME JOIN US
SO WE CAN NO --
FINISH THAT.
THAT WAS THE CONSENT ITEM ITEM
TWELVE WAS A CONSENT ITEM RIGHT
PRESENT CALENDAR SO YOU WORRIED
IF YOU VOTE ON THE CONSENT
CALENDAR.
CENTER MORALE THEN YOU'VE YOU'VE
TO TAKING CARE THAT.
WE'RE GONNA TAKE A SHORT RECESS
SO WE CAN CHECK AND SEE VERY
OFTEN ANY OTHER VOTES.
SO YOU CAN GET ON ON YOUR WAY
AND THEN WE'RE GOING TO SEE IF
WE CAN WORK OUT THAT THIS OTHER
ISSUES THAT WILL BE BACK IN JUST
JUST A MOMENT [inaudible]
YEAH SO [inaudible]
UNDER.
HUNTER ON ITEM SIX THE FUND OF
SIX I GET THE TO FUSE AT THE
LOSS WHEN YOU A FOUR BECAUSE WE
ARE DOING REDUCTION YOU CAN BE
DONE [inaudible]
OKAY.
OKAY WILL DO [inaudible]
IT'S ITEMS.
OKAY WE'RE BACK TO OPEN THE ROLE
AGAIN THAT WE'RE GONNA GO BACK
TO THE ROLE AND ITEM SIX THIS IS
AB TWENTY TO SEVENTY SIX BY.
A ASSEMBLY MEMBER FOR IF THE
SECRETARY WOULD CALL THE ROLL
[inaudible]
AND BERRYHILL [inaudible]
HERTZBERG.
HUESO NO HUESO NO [inaudible]
MITCHELL.
IT WOULD TAKE JUST A MOMENT
PLEASE.
I I THINK THERE'S A
MISUNDERSTANDING YOU WEREN'T ON
THAT BILL CENTER HUESO YOU ARE
NOT.
HOW YOU KNOW YOU'RE EVERY SAID
IT I GOT IT OKAY SO THAT'S HUESO
GOING FROM I DO KNOW LET'S BE
CLEAR ON THAT OKAY YOU SORRY AND
SECRETARY PLEASE CONTINUE WITH
THAT THAT THE ROLE ON THAT
MITCHELL?
MORLOCK [inaudible]
A RAW.
THOSE.
PETROLEUM LIKE OKAY ALRIGHT SO
WHAT'S THE VOTE ON THAT
[inaudible]
VOTER.
HIS SEVENTY ONE THE NEW DEVICE
THAT. SEVEN OKAY THAT BILL IS
CURRENTLY AT SEVEN ONE WILL HOLD
THE ROLE OPEN FOR ABSENT MEMBERS
[inaudible]
HERE YOU [inaudible]
CORD.
WE'LL TAKE ANOTHER SHORT RECESS
HERE FOR A MOMENT.
OKAY WE'RE BACK TO ENJOY IT ARE
WILL CALL VOTES AGAIN.
WE'RE GONNA MOVE TO ITEM.
TO YEAH --
AB EIGHTEEN SEVENTY FIVE BY WOOD
OF THE SECRETARY CALL THE ROLL
A. B. EIGHTEEN SEVENTY FIVE
MOTIONS TO PASS AS AMENDED TO
APPROPRIATE.
THE VOTE IS NOT [inaudible]
MY BERRYHILL --
HERTZBERG.
LARA MITCHELL ROTH.
ROTH AY.
CAN USE IT THANK YOU.
OKAY SENIOR YEAR GET
[inaudible]
OF WE'LL TAKE ANOTHER SHORT
RECESS HERO RIGHT BACK
. TO OPEN
THE ROLE AND ITEM TO A. B.
EIGHTEEN SEVENTY FIVE EIGHTEEN
SEVENTY FIVE I WOULD SECRETARY
WOULD CALL THE ROLL MITCHELL.
AYE MITCHELL AYE [inaudible]
ALRIGHT.
NEXT WE'RE GOING TO GO --
TO WE JUST CAN'T THINK.
OKAY SO THIS IS THE CONSENT
CALENDAR ITEM FOR AN ITEM TWELVE
SECRETARY CALL THE ROLL MITCHELL
I ACTUALLY TOOK TIME.
OKAY WERE ANY GOOD ITEM SIX AB.
TWENTY TWO SEVEN SIX BY ASSEMBLY
WOMAN BURKE SEPARATELY WOULD
CALL THE ROLL MITCHELL AYE
MITCHELL AYE. ONE THAT CURRENTLY
THE CITY ONE GONNA KEEP MOVING
HERE.
THIS ITEM.
REMOVED ITEM NINE AB TWENTY SIX
THIRTY FOUR BY MR CHOW SECRETARY
CALL THE ROLL MITCHELL.
BY MID JULY.
AND NOW WE'RE GONNA MOVE.
PATENT LEATHER ITEM ELEVEN THIS
IS AB.
TWENTY EIGHT FORTY FOUR YEAH
OKAY JOBS EVOLVING OKAY ALRIGHT.
AND SUGAR ON THE CONSENT
CALENDAR SO.
WE'RE GONNA TAKE ANOTHER PAUSE
THANK YOU.
YOU'RE ALL
[inaudible]
OKAY.
OKAY WE'RE GONNA GO BACK AND
OPEN THE RULE ON TO NINE ELEVEN
THE ITEM TWO IS AB EIGHTEEN
SEVENTY FIVE BY WHAT SECRETARY
CALL THE ROLL.
HERE VOTES AYE VOTERS TEND --
TO ZERO LARA AYE OR I HIT IT A
LITTLE VOTES ALRIGHT WE'RE GONNA
MOVE ON TO ITEM NINE RIGHTS.
BY ITEM NINE IS AB TWENTY SIX
THIRTY FOUR BY CHILD THE
SECRETARY TO OPEN THE ROLE --
DEFENSES ADMITTED TO THE FLOOR
THE VOTERS TEND SITTIN ZERO THE
CHAIR VOTES AYE LARA AYE LARA
AYE LEADING BOTH HAS ELEVEN AND
WILL CONTINUE TO THE LOOK THE
NEXT ITEM ITEM.
ELEVEN AB TWENTY EIGHT FORTY
FOUR BY MISTER COOLEY THE
SECRETARY TO OPEN THE ROLE.
IT PASSED TO THE FLOOR THE
VOTERS NINE ZERO THAT YOUR VOTES
AYE LAR I OR I CAN GO.
OKAY WILL COME BACK HERE IN JUST
A MOMENT.
THANK YOU VERY
THERE OKAY.
OKAY A ALL THESE ITEMS --
THE THERE IS.
THE VOTE TO MOVE THEM FORWARD
THE CHAIR IS GOING TO DIE THINK
EVERYONE OF THEM HAS BIPARTISAN
SUPPORT.
SO WITH THAT WILL START AT THE
TOP OF EVERYTHING.
OKAY ALRIGHT WHERE TO CALL WE'RE
GONNA CALL THAT THE MEETING BACK
TO ORDER WE'RE GONNA START WITH
ITEM ONE OPEN THE ROLE.
HERTZBERG AYE HERTZBERG AYE THAT
KIND OF HAS TWELVE VOTES ARE
THAT THAT --
MEASURE HAS TWELVE VOTES --
ZERO AND IT AND WE'RE GONNA
CLOSE THE ROLE IN THAT THAT BILL
MOVES FORWARD ITEM TO AB
EIGHTEEN SEVENTY FIVE I WOULD.
HERTZBERG.
FIRST BURN I TWELVE ZERO ALRIGHT
THAT MEASURE ACT IS PASSED OUT
--
TWELVE TWO ZERO ITEM THREE WAS
ON CONSENT PULLED OFF AN
AMENDMENT WAS TAKEN --
AND IF WE CAN OPEN THE RULE IN
ITEM.
THREE HERTZBERG AYE HERTZBERG
AYE HAS TWELVE ZERO SIX TWELVE
ZERO THAT MEASURES OUT ITEM FOR
AN ITEM TWELVE FOR THE CONSENT
CALENDARS.
I OPEN THE ROLE IN BOTH
HERTZBERG.
HERTZBERG HIGH THIS.
TWELVE ZERO SO ITEM FOR AN ITEM
TWELVE ARE PASSED OUT TWELVE
ZERO ITEM FIVE A. B. TWENTY ONE
FORTY TWO BY MISTER BIGELOW.
OPEN THE ROLE HERTZBERG
HERTZBERG NINE THAT MEASURE HAS
ELEVENTH ZERO THAT MEASURES
PASSED OUT ELEVEN ZERO ITEM.
SIX AB IS OUR COMMITMENT
[inaudible]
YES.
WE'RE AT THAT THE ROLL CALL
STAGE NOW.
I HAVE A SIX AB TWENTY TO
SEVENTY SIX BY BURKE HELP IN THE
ROLE.
HERTZBERG HERTZBERG AYE THAT HAS
NINE TWO ONE ALRIGHT THAT
MEASURES OUT NINE TWO ONE ITEM
SEVEN AB TWENTY THREE NINETY
FIVE BUT MISTER CALDERON FEUD
OPEN THE ROLE.
THAT'S HERTZBERG.
HERTZBERG AYE THAT HAS TWELVE
ZERO AYE THAT MEASURES OUT.
TWELVE ZERO ITEM EIGHT AB TWENTY
FIVE NINETY FOUR BUTTONS
FRIEDMAN.
OPEN THE ROLE HERTZBERG
HERTZBERG I IN THE LAST TWELVE
TO THROW THAT MEASURES OUT
TWELVE ZERO ITEM NINE AB TWENTY
SIX THIRTY FOUR BY MISTER CHAU.
HERTZBERG HERTZBERG AYE TWELVE
IS THATMEASURES OUT TWELVE ZERO
ITEM TEN AB TWENTY EIGHT OH TO
VIBE IS FRIEDMAN OPEN THE ROLE.
HERTZBERG HERTZBERG AYE HAS
TWELVE DESERVE THAT MEASURES OUT
TWELVE ZERO ITEM ELEVEN AB
[inaudible]
TWENTY YOU HAVE.
YEAH SO MOVING TO DALLAS AND I'M
GONNA OPEN THE ROLE AND ITEM
ELEVEN AB TWENTY EIGHT FORTY
FOUR BY MISTER COOLEY.
HERTZBERG HERTZBERG HIGH HAS
ELEVEN TWO ZERO AM MEASURES OUT.
ELEVEN ZERO AND THAT COMPLETES
OUR COUNTER TODAY THANK YOU FOR
THE WONDERFUL WORK BY OUR STAFF
AND A FEW OF MY COLLEAGUES ON
ALL SIDES THANK YOU ARE.
ONLY GOING TO HAVE