APCIA's 2023 Agenda

APCIA is committed to advocating for policies addressing the most urgent challenges and opportunities facing the industry and consumers. Some of these include:

Legal System Abuse 

APCIA will tackle legal system abuse by addressing questionable attorney practices that drive up costs for consumers and clog our nation’s court system. APCIA’s focus is a balanced civil justice system – one that is fair to all participants, promptly resolves legitimate claims and increases certainty and predictability for all litigants. We will continue to work with policymakers, industry leaders, consumers and the business community to enact meaningful civil justice reforms across the country.

Risk-Based Pricing and Social Equity and Inclusion

APCIA is committed to supporting the industry’s efforts to create a more diverse, inclusive workforce; continuing to ensure all customers are treated fairly when it comes to home, auto and business insurance; and financially empowering individuals, businesses and communities. Risk-based pricing is the fairest way to match rate to risk, so APCIA will continue working with policymakers to address the underlying issues impacting insurance affordability and will defend against policies that attempt to eliminate actuarially sound risk-based rating factors.

Innovation and Regulatory Modernization

APCIA will continue to work with regulators to ensure our industry has the flexibility needed to adapt to a rapidly changing environment. We will also work with regulators to modernize commercial and personal lines rates and forms and ensure privacy and data uniformity to preserve protections without compromising business utility.

Evolution of Catastrophe Insurance

APCIA will continue to be a leading voice on the industry’s catastrophe insurance evolution, advocating for policies that reform our nation’s response to natural and man-made disasters to better protect our communities and lessen the burden on taxpayers. We are focused on addressing the challenges of catastrophe insurance, including the government’s role, private market development, risk mitigation, resilience and sustainability.

Improving and Protecting State-Based Workers Compensation Insurance

APCIA will continue its work to preserve a framework that ensures high-quality care for injured workers, encourages those employees to return to work, streamlines the dispute resolution process and contains costs.

Additional Advocacy Issues

APCIA will also continue our work to address issues that impact contract certainty and the affordability and availability of auto insurance; increase international trade and market access by restricting proposals that limit cross-border reinsurance and reducing tariffs that increase costs; and maintain a sound taxation structure.

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