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From YouTube: Jerry Hill Town Hall May 2, 2012
Description
Town Hall with Assembly Member Jerry Hill and State Insurance Commissioner Dave Jones with the City of San Bruno held on May 2, 2012
TRT 1:33:15
A
Good
evening
and
welcome
to
the
city
of
San,
Bruno
I
am
Jimmy
Wayne
and,
as
I've
been
saying
for
the
last
20
months,
the
very
proud
mayor
of
the
wonderful
city
of
San
Bruno.
We
can
have
some
very
special
presenters
tonight
and
we
do
have
some
very
special
guests
this
evening,
along
with
with
me
representing
the
City
Council
idea
of
Michael
Salazar,
hear
from
our
city,
council
and
I
just
saw
Jerry
deal
the
mayor
of
Burlingame
joining
us.
A
Also
I,
don't
know
if
I've
forgotten
anybody
else,
but
if
I
have
raised
your
hands,
we're
very
happy
to
have
you
here
at
our
Senior
Center
and
as
I
said,
we
have
some
very
special
guests
this
evening.
We
do
have
our
good
friend
and
I,
wouldn't
say
a
guest
he's
been
here
he's
like
part
of
the
family,
Assemblyman,
Jerry,
Hilton
and
also
another
very,
very
profound,
guest
who's
really
helped
us
a
lot.
This
last
20
months,
Insurance,
Commissioner,
Dave
Jones,
so
welcome.
Thank
you
very
much.
A
B
And
thank
you
to
San
Bruno
for
hosting
tonight's
little
insurance
form
with
Insurance
Commissioner
Dave
Jones,
we're
honored
to
have
him
and
his
team
here
with
us
tonight.
The
I
also
wanted
to
recognize
Lauren
butters,
who
is
a
former
retired,
the
chief
probation
officer
in
San
Mateo
County,
Thank,
You
Lauren.
B
So
it's
no
coincidence
that
we're
here
tonight
also
wanted
to
thank
city
manager,
Connie
Jackson,
community
services,
director
Randy,
Schwartz
and
Wendy
minds
of
the
Senior
Center
for
your
great
support,
as
always
in
the
end
accommodation
tonight.
Well
the
issues
that
are
front
and
center
for
San
Bruno,
resulting
from
the
PG&E
disaster.
It
was
accountability
by
PG&E
legal
issue
and
insurance
related
matters
as
well
as
a
range
of
other
insurance
issues
that
are
important
to
me
and
to
all
of
us
as
well.
B
But
we
had
to
place
that
in
law
and
codify
it
to
make
sure
that
it
does
happen
in
the
future.
Some
of
the
things
that
we
were
I
was
fortunate.
We
exempted
Sam
of
San
Bruno
residents
from
paying
state
taxes
on
the
recovery
money
that
received
that
they
received
from
Pacific
Gas
and
Electric,
the
Red
Cross
and
the
city
of
San
Bruno
after
pipe.
B
I
have
some
legislation
that
will
require
the
PUC
to
adopt
performance
standards
for
pipeline
safety
and
evaluate
the
state's
gas
utilities
against
those
standards
so
that
they
their
profit
and
their
could
depend
on
whether
they
are
acting
in
a
safe
manner
or
not.
We
have
whistleblower
protection
now
that
we're
working
forward
towards
to
provide
for
gas
pipeline
workers
and
National
Transportation
Safety
Board
recommendations.
B
So
again,
thank
you
all
for
being
here
this
evening,
we're
going
to
cover
a
number
of
major
issues
tonight,
implementing
some
federal
health
care
reforms,
protecting
seniors
from
scams
and
what
about
Medicare
a
little
bit
and
then
certainly
as
we
get
and
talk
about
home,
some
insurance
matters
related
to
the
pipeline
explosion
and
some
issues
that
have
come
from
that.
So
our
goal
tonight
really
is
to
be
assistance
and
to
be
of
assistance
to
the
the
residents
of
San
Bruno
and
to
make
sure
that
their
needs
are
met.
B
You
will
have
cards
at
your
seat
as
you
can
see
if
you'd
like
to
write
down
a
question
that
comes
to
mind
during
the
presentation
tonight
and
there'll
be
an
opportunity
to
to
get
those
questions
asked
and
we'll
have
answers
for
you
later
later
on.
So
we're
very
fortunate,
very
fortunate
tonight
to
have
Insurance
Commissioner
Dave
Jones
with
us
and
his
staff
came
from
Sacramento
of
the
department
of
insurance
or
joining
us
have
to
tell
you.
B
You
know:
I
worked
with
Dave
and
the
in
the
assembly
for
a
couple
of
years,
and
you
know
there's
some
people
who
kind
of
go
through
the
motions.
There
are
some
people
who
sit
there
and
pay
attention
to
certain
things,
and
they
take
the
easy
way
out.
This
man
has
never
taken
the
easy
way
out.
He
has
fought
hard
consistently
consistently
with
integrity
when,
with
credibility
on
every
issue
that
I've
seen
him
bring
forward
to
the
legislature
and
every
issue
that
he's
fought
for.
That's.
B
Why
he
is
our
Insurance
Commissioner
today,
because
there's
no
one
that
could
do
it
better
and
there's
no
one
that
could
protect
consumers
as
Dave
Jones
has
been
doing
since
he
became
involved
in
public
service.
He
has
been
concerned
and
protective
of
consumers
and
the
citizens
of
California
he's
a
good
friend
he's
a
friend
to
all
of
us,
and
he
will
continue
to
be
and
we're
so
fortunate
and
I'm
grateful
that
he's
a
friend
and
grateful
that
he's
here
tonight
and
grateful
that
he's
our
insurance
commissioners
serving
the
citizens
of
California
Dave.
C
C
He
routinely
reaches
out
to
the
community
and
represents
it
and
as
a
colleague
of
his
in
the
state
assembly,
Jerry
was
on
one
of
the
go-to
people.
There
always
a
small
number
of
people
in
any
legislative
body
that
you
know
you
can
go
to
and
get
good,
solid
information,
detailed
analysis
and
a
really
really
strong,
thoughtful
view
on
whatever
the
matter
is
and
he's
got
a
big
heart
too.
He
cares
about.
This.
Community
loves
this
community.
B
C
I,
it's
my
hope
that
we'll
get
a
chance
to
continue
to
serve
this
great
community
because
he
does
such
a
fantastic,
fantastic
job
and
mayor
I
want
to
thank
you
as
well
for
inviting
us
here.
It's
a
wonderful
facility.
I
was
admiring
the
park
out
here
through
the
window
and
I'm
hoping
I
get
a
chance
to
walk
through
it
a
little
bit
later
this
evening,
and
it's
just
a
fantastic
facility
and
we're
just
delighted
to
have
a
chance
come
spend
a
little
bit
of
time
with
you.
You
know
better
than
anybody.
C
The
tragedy
that
befell
this
community
in
2010
and
I
don't
have
to
repeat
the
terrible
dimensions
of
that
tragedy.
I
know
that
we
all
owe
a
great
debt
of
gratitude
and
thanks
to
the
emergency
responders
and
other
first
responders,
who
came
on
to
that
scene
and
did
everything
they
could
to
could
to
try
to
limit
death
and
injury
and
damage
and
I
think
that
this
disaster
is
another
example
of
the
tremendous
importance
of
partnership
between
local
state
and
even
federal
governmental
agencies.
C
I
know
that
there
were
local
assistance,
centers
a
set
up
by
local
emergency
responders
in
Kali
ma
our
personnel
were
there
to
answer
questions,
to
provide
advice
and
guidance
and
to
take
complaints
that
residents
had
about
the
interactions
they
were
having
with
their
insurance
companies.
We
work
closely
with
the
San
Bruno,
a
County
Health
Department
in
public
works
and
the
whole
issue
of
debris.
C
Removal
making
sure
that
the
experience
that
we
had
in
other
disasters,
Lake
Tahoe,
San,
Diego
wildfires,
was
brought
to
bear
with
regard
to
the
county's,
a
determination
as
to
how
to
proceed
and
who
to
look
for
compensation
for
as
it
moved,
rubies
from
34
lost
plots
in
which
there
were
total
losses.
We
also
were
active
as
well
with
some
confusion.
I
know,
as
the
insurance
company
sent
their
adjusters
out
and
pge
sent
their
adjusters
out.
C
I
mean
the
good
news
was
pge
sent
to
just
errs
out
the
thing
that
made
it
a
little
bit
challenging
was
for
some
people
that
we're
trying
to
negotiate
navigate
this
rather
confusing
circumstance.
They
would
get
some
information
PGA
some
information
from
their
insurance
company.
We
did
our
best
to
try
to
resolve
those
disputes
to
mediate
and
also
to
take
complaints.
We
received
a
total
of
17
complaints
from
consumers.
15
of
those
have
been
closed,
resulting
in
over
four
hundred
thousand
dollars
in
additional
payments
by
insurance
companies.
As
a
result
of
our
involvement.
C
We
have
two
pending
complaints
that
we're
continuing
to
look
at
and
this
evening
if
there
are
still
matters
that
you'd
like
to
bring
to
our
attention.
We're
happy
to
hear
those
in
the
question
answer,
and
it's
also
an
opportunity
for
me
as
I.
Wasn't
the
Insurance
Commissioner
during
the
time
of
this
disaster,
to
hear
directly
from
you
about
things
that
work
and
things
that
didn't
work?
So
we
can
learn
from
that
as
a
department.
I
also
want
to
spend
a
little
bit
of
time
this
evening
running
through
some
other
issues
that
we're
dealing
with
it.
C
C
If
the
companies
aren't
meeting
those
requirements,
then
what
happens
is
we
can
order
them
to
rebate
monies
to
consumers
and,
in
fact,
I'll
be
putting
examiner's
into
the
health
insurance
companies
later
this
month
to
look
at
their
books
to
make
sure
they're
in
compliance
with
that
requirement,
we've
also
begun
implementing
the
other
components
of
health
care
reform.
The
provisions
that
fire
that
health
insurers
allow
you
to
keep
your
dependence
on
your
health
insurance
days,
26
the
elimination
of
the
so-called
lifetime
caps.
C
This
was
the
point
where,
even
if
you
were
lucky
enough
to
have
health
insurance,
if
you
had
a
serious
illness,
you
could
hit
a
point
where
there
was
a
lifetime
cap
on
the
amount
of
benefits
they
would
pay.
You
I
met
a
young
man
in
Los
Angeles
area
about
eight
months
ago
now,
and
he
and
his
physician
shared
with
me.
He
had
a
very,
very
serious
of
blood
illness.
He
was
hitting
a
lifetime
cap
as
of
June
of
last
year
and
but
for
the
Affordable
Care
Act.
C
His
treatment
was
going
to
stop
thanks
to
the
Affordable
Care
Act
he's
continuing
to
get
the
treatment
he
needs
to
stay
alive
and
there
are
many
Californians
that
have
benefited
from
that
provision.
If
you're
a
senior,
an
incredibly
important
component
of
the
Affordable
Care
Act
is
when
you
hit
that
point.
If
you're
on
Medicare,
you
have
to
start
reaching
into
your
pocket
to
pay
thousands
of
dollars
for
prescription
medicine
thanks
to
the
Affordable
Care
Act
that
doughnut
hole
gets
closed
over
time.
C
You
now
have
available
to
you
generics
and
a
fifty
percent
discount
off
of
what
the
brand
formula
drugs
were
going
to
cost.
If
you
are
a
person
that
cares
about
preventative
health
care,
as
many
of
us
do,
the
Affordable
Care
Act
eliminates
co-payment
requirements
for
preventive
health
care
if
you're
a
small
business
owner,
and
you
actually
want
to
provide
insurance
for
your
employees.
C
The
Affordable
Care
Act
gives
you
a
thirty-five
percent
tax
credit
to
defray
the
cost
of
doing
so,
and
a
really
important
provision
that
I'm
also
involved
in
enforcing
and
that's
the
provision
that
bans
the
health,
insurers
and
the
HMOs
from
simply
rescinding
your
health,
insurance
or
HMO
care,
because
you
forgot
to
mention
something
in
your
health,
insurance
or
HTML
application.
It
wasn't
too
many
years
ago
that
anthem,
blue
cross
and
blue
shield
and
the
others
were
doing
exactly
that.
They
take
your
application.
They
take
your
premiums
month
after
month.
C
You
get
sick,
you'd
make
a
claim.
They
go
back
at
your
application,
which
they
had
purposely
designed
as
an
open-ended
application.
Ask
you
to
try
to
remember
20
or
30
years
of
your
health
history,
who
can
remember
that
you'd
forget
some
simple
thing
and
they'd
say
to
you:
oh,
you
forgot
this
we're
cutting
off
your
health
insurance
and
by
the
way
we're
going
to
rescind
the
payments
we
made
to
you
previously
thanks
to
the
Affordable
Care
Act.
C
They
can't
do
that
any
longer
and
we
actually
have
an
administrative
adjudicative
process
at
the
Department
of
Insurance
so
that
they
try
to
do
that.
We
can
hear
those
cases
and
overturn
them.
So
a
lot
of
good
things
happening
in
that
particular
area.
There
is
one
big
missing
piece
in
the
federal
Affordable
Care
Act
though,
and
that
is
the
absence
of
any
authority
for
the
insurance
regulator
to
reject
excessive
health
insurance
rate
hikes
now.
C
Thanks
to
the
leadership
of
your
family
member,
we've
actually
been
able
to
move
a
bill
through
the
assembly
and
over
to
the
set
somebody
killed
52.
That
would
give
me
that
authority
sitting
with
Senate
right
now,
there's
also
a
consumer
group
that
has
a
ballot
measure,
that's
being
qualified
for
the
ballot.
This
November
as
well
learn
more
about
that
by
going
to
justify
rates
and
I
promise,
I
won't
touch
the
mic
again.
Thank
you
very
much.
You
know
now.
C
We've
also
been
active
on
a
whole
host
of
other
fronts
and
I'm
happy
to
talk
more
about
this
later
on,
but
just
give
you
a
little
vignette
of
some
of
the
things
we've
been
doing.
You
may
have
read:
I've
opened
an
investigation
with
John
Chung,
our
state
controller
of
the
major
life
insurance
companies
across
the
United
States,
because
they've
been
leasing
from
the
Social
Security
Administration
a
database
called
the
death
master
file.
C
That's
the
name
of
the
database,
the
death
master
file.
You
would
have
thought
our
Social
Security
ministration
might
have
come
up
with
a
nicer
name,
but
it's
a
database
of
all
the
people
that
have
passed
away
in
the
United
States
with
their
addresses
and
their
phone
numbers
and
their
social
security
numbers
and
the
life
insurance
comfortable.
The
Social
Security
ministration
has
it
so
they're
not
paying
benefits
out.
The
people
have
passed
away.
That
makes
sense,
but
they've
leased
it
to
the
life
insurance
companies
and
the
life
insurance.
C
Companies
are
using
it
to
stop
making
annuity
payments
to
people
have
passed
away,
and
that
probably
makes
sense,
but
here's
where
it
gets
real
interesting.
Do
you
think
the
life
insurance
companies
have
been
using
the
death
master
file
to
determine
when
a
life
insurance
policy
holder
has
passed
away,
so
they
can
provide
that
person
spouse
or
his
kids,
whose
grandkids
with
life
insurance
benefits?
C
No
I
see
some
shaking
heads.
Well,
if
you
said
no
you're
right
and
literally
billions
of
dollars
in
life,
insurance
benefits
have
not
been
paid
out
by
these
companies,
even
though
they
have
knowledge
that
their
policyholders
have
passed
away.
So
we
achieved
a
landmark
national
settlement
just
the
other
week
with
one
of
these
companies
MetLife
that
will
resort
the
result
in
their
discouraging
five
hundred
million
dollars
in
life
insurance
benefits
to
people
that
are
owed
that
across
the
United
States
and
we're
going
after
each
company.
C
We
had
a
same
result
with
Prudential
and
we're
working
on
the
others
as
well.
So
that
gives
you
an
example
of
the
importance
of
this
office
and
the
kind
of
work
that's
happening
in
this
office
behind
the
scenes.
So
thank
you
for
the
privilege
of
getting
to
serve
as
your
insurance
commissioner,
we're
happy
to
take
questions
after
we
get
through
the
other
speakers.
C
We
have
three
additional
speakers
this
evening
who
are
going
to
from
the
department
insurance
and
then
we'll
get
to
the
questions
and
I
just
want
to
remind
folks
if
you
have
those
cards,
take
an
opportunity
to
film
in
a
while
folks
are
talking
and
then
we'll
get
them
to
either
Assemblymember
hill
or
my
staff
will
collect
them
up
and
then,
at
the
end,
we'll
look
at
the
cards,
but
also
have
someone
walking
around
with
a
microphone
to
answer.
Questions
too.
So
the
next
person
who's
going
to
speak.
C
That
is
a
senior
attorney
in
the
Department
of
Insurance.
We're
delighted
to
have
her
here.
Her
name
is
Elena
Fishman
and
what
she's
going
to
talk
about
is
long
term
care
insurance
and
Medicare,
supplemental
insurance
and
many
gap,
or
that's
medicare
supplement
she's
going
to
talk
about
Medicare
Advantage,
which
is
the
medicare
insurance
you
can
buy
on
top
of
medicare
and
talk
a
little
bit
about
some
other
issues
that
those
who
are
seniors
or
who
loved
seniors
might
want
to
know
about.
With
regard
to
those
particular
products,
please
join
me
in
welcoming
Elenna
Fishman.
D
Thank
you
very
much,
commissioner,
good
evening.
Thank
you
for
the
opportunity
to
come
here
to
San
Bruno,
to
talk
to
you
about
insurance
issues.
I've
been
an
attorney
with
the
Department
for
about
10
years,
and
for
most
of
that
time,
I
have
worked
on
a
wide
variety
of
senior
issues.
We
are
giving
you
just
the
highlights
of
some
of
these
topics,
because
they're
very
complicated
they're
really
very
involved
complex
insurance
issues,
I'm
going
to
talk
to
you
about
long-term
care
insurance.
D
First
long-term
care
insurance
began
in
the
late
70s
and
early
80s,
as
insurance
to
pay
for
nursing
home
stays.
Today,
long-term
care
insurance
can
pay
for
services
for
home
care,
for
nursing,
home
or
assisted
living
services
or
for
residential
care.
It
pays
for
supervision
or
assistance
when
you
have
a
physical
or
cognitive
limitation
that
prevents
you
from
performing
some
activities
of
daily
living
called
adl's,
and
that's
really
one
of
the
keys
for
long-term
care
insurance,
and
that
includes
things
like
bathing
dressing.
D
Feeding
yourself
things
like
that
long
term
care
insurance
benefits
are
generally
not
included
in
Medicare.
Medicare
may
pay
for
skilled
nursing
services
for
a
very
short
period
of
time,
but
not
for
any
long-term
ongoing
assistance.
The
cost
of
long-term
care
insurance
can
vary
widely
from
a
few
hundred
dollars
a
year
if
you
purchase
it
when
you're
really
young
to
more
than
several
thousand
dollars
a
year.
D
If
you
buy
long-term
care
insurance
later
in
life,
the
biggest
issues
that
we
see
here
at
the
department
regarding
long-term
care
insurance,
as
the
Commissioner
has
already
mentioned,
with
other
types
of
insurance,
our
rate
increases
long-term
care.
Insurance
policies
were
not
inexpensive
to
begin
with,
but
insurance
companies
have
been
asking
for
higher
rates
pretty
consistently
and
the
rates
for
long-term
care
insurance.
D
For
those
of
you
who
have
this
insurance
know
that
they
really
skyrocketed
and
have
gotten
to
the
point
where
many
many
people
just
feel
that
they
cannot
afford
the
insurance
in
order
to
help
solve
this
problem.
Commissioner
jones
has
sponsored
a
bill.
That's
currently
before
the
legislature
assembly
bill
999.
D
This
bill
will
make
changes
in
the
way
that
insurance
companies
develop
their
long-term
care
rates,
so
consumers
will
have
a
greater
sense
of
predictability
in
terms
of
how
the
rates
are
going
to
change
when
they
purchase
the
policy.
We're
very
hopeful
that
this
legislation
will
be
successful
and
will
pass
through
the
legislature
and
be
signed
by
the
governor,
and
we
really
believe
it
will
go
a
long
way
to
help
control
the
volatility
of
long-term
care
insurance
race.
D
Some
tips
before
buying
long-term
care
insurance
questions.
To
ask
yourselves
the
most
basic
question
is:
can
you
afford
it?
Can
you
afford
it
now,
but
especially
to
think
about,
will
you
be
able
to
afford
your
premiums
when
you
retire,
assuming
that
you're
most
of
us,
our
incomes,
will
go
down
somewhat
once
we
retire
and
stop
working?
D
What
kind
of
benefits
are
most
important
to
you,
based
on
your
health
history,
the
kind
of
services
that
you
think
you
might
need
as
you
age,
and
also
the
social
support
system
that
you
have
for
providing
some
services
for
you
from
friends
and
relatives
and
also
how
flexible
the
policy
that
you're
looking
at
is
what
will
it
allow
you
to
change
as
your
situation
changes?
Another
question
to
ask
is:
does
your
financial
situation
qualify
you
for
medical
benefits?
D
If
so,
if
you're
eligible
for
medical,
then
you
don't
need
to
buy
a
long-term
care
insurance
policy,
it
doesn't
really
make
sense
to
do
that.
I
before
you
buy
a
long-term
care
insurance
policy,
you
should
check
out
your
insurance
company's
history
of
rate
increases,
and
we
have
this
information
on
our
website.
We
publish
a
rape
guide
every
year
that
lists
the
history
of
rates
for
all
the
long-term
care
insurance
companies
in
California.
D
Lastly,
you
should
read
the
policy
carefully,
hopefully
with
someone
who
can
assist
you
in
understanding
it,
because
it
is
very
long
and
very
complicated,
get
all
the
information
you
need
and
really
take
your
time
before
you
make
a
decision.
I'm
going
to
talk
a
little
bit
about
Medicare,
which
anyone
who
is
a
senior
and
is
no
longer
working
most
likely
has
Medicare,
as
you
know,
is
a
federally
sponsored
health
insurance
program
for
people
over
65
or
someone
with
a
disability
who
is
under
65.
It
has
several
parts
to
it.
D
Parte
covers
hospital
stays,
Part,
B
out,
patient
and
doctor
visits.
Part
C
is
Medicare
Advantage,
which
I'll
talk
about
in
a
minute
and
Part
D
is
the
mal
famous
prescription
drug
program.
Medicare
pays
for
health
services,
but
they
don't
cover
everything.
Medicare
may
often
pay
for
eighty
percent
of
a
particular
service,
but
then
there's
twenty
percent
that
is
not
covered.
So
the
question
is:
what
can
you
do
about
that?
Twenty
percent?
So
that's
where
we
come
to
medicare
supplement
insurance,
otherwise
known
as
Medigap.
This
is
insurance
that
will
cover
what
Medicare
doesn't.
D
It
covers
the
twenty
percent
that
Medicare
won't
pay
for
if
your
Medicare
policy
pays
for
eighty
percent,
Medigap
insurance
is
sold
by
private
insurance
companies
that
are
regulated
either
by
our
department
or
the
Department
of
managed
health
care
depending
on
the
type
of
policy.
It
is
these
policies
are
generally
standardized,
they're
generally
the
same,
no
matter
what
company
you
buy
them
from,
they
have
to
have
certain
pieces
included.
D
D
Remember
that
if
you
have
full
benefits
under
médicale,
you
also
don't
need
a
Medigap
policy.
Another
program
we
just
want
to
touch
on
is
the
Medicare
Advantage
program,
and
this
is
a
Part
C
from
Medicare.
It's
an
alternative
way
to
receive
health
benefits
rather
than
the
traditional
Medicare
policy.
Private
insurance
companies
sell
Medicare,
Advantage
plans,
you'll
get
all
of
your
Medicare
coverage
services,
but
you
will
get
them
through
a
private
company
and
whatever
Medicare
Advantage
plan
you
choose
so
again.
D
The
question
is:
why
should
I
buy
a
Medicare
Advantage
plan
if
all
the
services
are
the
same
as
the
ones
covered
by
Medicare?
And
the
answer
is
that,
although
your
Medicare
Advantage
plan
will
provide
the
same
services
as
Medicare
often,
these
plans
will
include
additional
benefits,
such
as
dental
vision,
care
or
a
prescription
drug
plan.
Most
Medicare
Advantage
plans
charge
a
monthly
premium.
That
is
in
addition
to
what
you'll
pay
for
your
regular
Medicare,
the
part
b,
which
is
doctor's
visits.
D
Sometimes
there
are
restrictions
in
the
network
of
doctors
who
you
can
see
under
a
Medicare
Advantage
plan
and
of
course,
there
are
also
co-payments
for
services
tips
for
buying
Medigap
and
Medicare
Advantage
plans
most
important
to
be
aware
of
high
pressure
sales
tactics,
particularly
for
seniors
insurance
agents.
Just
can
often
really
pressure
you
to
purchase
something
right
away
without
really
giving
you
the
time
to
carefully
review
it
and
talk
to
trusted
friends
and
professionals
about
what
you're
buying.
D
So
beware
of
those
tactics,
and
especially
beware
of
promises
that
sound
too
good
to
be
true,
as
you
all
know,
if
it
sounds
too
good
to
be
true,
it
probably
is-
and
you
have
to
be
very
careful
of
that.
One
of
the
problems
that
we
see
with
the
agents
is
that
misrepresentations
are
given
to
consumers
about
the
costs
of
these
policies.
The
monthly
premium
may
sound
great,
and
it
may
really
seem
like
you'd,
be
saving
some
money.
D
The
other
important
issue
is
to
find
out
whether
your
doctor,
who
you
see,
who
you
trust
and
who
you
want
to
continue
to
see,
is
part
of
the
network
of
doctors
that
are
included
in
your
plan.
If
your
doctor
is
not,
and
we've
seen
that
we've
seen
quite
a
bit
of
this
happen,
you
buy
the
plan,
you
sign
the
papers
and
you
find
out.
Oh
my
gosh,
my
doctor,
I
can't
see
my
doctor.
D
D
They'll
is
going
to
talk
a
little
bit
about
some
specific
cases
in
a
couple
of
minutes.
An
annuity
is
a
complex
financial
insurance
product
and
most
people
don't
realize
it
is
an
insurance
product.
It's
a
contract
between
an
individual
and
insurance
company.
It's
often
used
in
retirement
planning
as
a
way
to
provide
some
financial
protection
against
the
risk
about
living
ones,
resources-
and
this
is
what
we're
told
when
we
start
looking
into
an
annuity.
It
generally
pays
higher
interest
than
you
can
ever
get
on
a
CD
when
you
put
your
money
in
the
bank.
D
So
it's
very
appealing
to
all
of
us.
As
we
get
older,
the
individual
pays
the
insurance
company
money
either
in
a
lump
sum
or
over
time
and
depending
on
your
contract,
you
then
will
receive
that
money
back
either
in
monthly
payments
or
in
a
lump
sum.
And
theoretically,
your
money
will
grow
because
it's
earning
interest
annuities
can
be
a
great
product
for
the
right
person,
but
they
aren't
for
everyone.
It's
very
important
that
you
discuss
purchasing
an
annuity
with
someone
you
trust
in
addition
to
the
agent
who's
trying
to
sell
it
to
you.
D
D
So
you
really
need
to
be
very,
very
aware
and
make
sure
that
you
get
all
the
information.
There's
a
new
law
that
went
into
effect
last
year,
Assembly
Bill
689,
requiring
insurance
companies
to
establish
a
system
to
supervise
their
agents
who
are
selling
annuities.
They
have
to
look
at
a
series
of
criteria
and
make
a
determination
whether
this
annuity
is
suitable
for
the
person
who
they
want
to
sell
it.
Two
things
to
ask
your
insurance
agent
before
you
buy
an
annuity,
there's
a
whole
list
of
things.
D
You
want
to
ask
them
about
surrender
charges,
degree
of
risk,
introductory
interest
rates
guaranteed
whether
the
new
attias
guaranteed
replacing
an
existing
annuity
with
a
new
one,
and
especially
how
much
commission
the
agent
will
receive
from
selling
you
this
annuity.
Before
you
buy
an
annuity
you,
there
are
two
calls
you
can
make.
That
would
be
really
helpful
and
give
you
a
lot
of
information.
One
is
to
our
departments
hotline,
to
check
on
the
agent
who
you're
working
with
and
to
also
to
check
on
the
status
of
the
insurance
company
that
you're
going
to
be
buying.
D
The
annuity
from
our
numbers
are
all
over
our
materials,
but
our
helpline
number
is
1
800
927
help.
You
also
can
call
the
Department
of
corporations
the
seniors
against
investment
fraud
hotline
to
check
on
the
security,
salesperson
final
tips
regarding
annuities
never
meet
with
a
salesperson
alone
in
your
home.
D
Don't
give
them
any
of
your
financial
information
if
you're
there
by
yourself,
never
allow
them
to
pressure
you
into
filling
out
a
form
just
for
now
or
signing
anything
on
the
spot,
always
take
the
materials
and
look
at
them
and
go
over
them
with
some
trusted
friends.
Don't
let
them
sell
you
an
annuity
if
you
to
try
and
qualify
you
for
some
other
government
programs
and
always
use
the
30
day
free
look
period
that
the
law
gives
especially
to
seniors
to
review
the
annuity
or
life
insurance
purchase
with
trusted
friends
and
relatives.
D
C
Thank
you
very
much
Ilana.
That
was
a
tremendously
useful
and
thorough
explanation
of
those
products,
and
we
also
have
a
very
helpful
video
tape
that
we
put
together
at
the
Department
of
Insurance,
that
does
some
role
playing
and
that's
very
useful
for
seniors
and
their
family
members
to
look
at
to
see
the
kinds
of
situations
that
one
might
want
to
avoid
and
I
think
what
I
noticed
a
beautiful
library
in
this
community
center
and
I.
Think
what
we'll
do
is
we'll
make
sure
we
get
a
copy
of
that
video
tape
here
in
the
community.
C
C
Just
want
to
preface
this
by
saying
that,
unfortunately,
in
our
department,
we
sometimes
see
some
really
egregious
behavior
by
individuals.
It
seems
like
there
are
so
many
ways
that
people
that
want
to
do
bad
things
can
figure
out
how
to
do
bad
things.
But
you
know
we
know
in
our
department,
as
in
life
generally,
the
vast
majority
of
people
do
the
right
thing:
follow
the
rules
and
obey
the
law,
and
that's
true
for
the
agent
and
broker
community
too.
Thankfully,
the
vast
majority
of
agents
and
brokers
are
ethical,
they're
licensed
by
us.
C
They
meet
their
community
and
kind
of
other
continuing
education
requirements
and
they
stay
within
the
four
corners
of
law,
but
unfortunately,
in
any
community
there's
always
some
knuckleheads
are
going
to
do
the
wrong
thing
and
we
end
up
seeing
them,
unfortunately,
and
that's
part
of
our
job,
and
so
you're
probably
going
to
hear
some
horror
stories
in
a
moment,
but
we're
really
delighted
to
have
with
us
today
one
of
our
senior
investigators
from
our
enforcement
branch
Dale
Wiseman.
Please
join
me
in
welcoming
him.
E
My
name
is
Dale
Wiseman,
I'm,
gonna
senior
investigator
out
of
the
benicia
office
I'm
here,
to
tell
you
a
little
bit
about
what
can
happen
and
how
you
can
protect
yourself
as
Elena
spoke
about
earlier
when
it
comes
to
annuities.
What
you
have
to
worry
about
is
what
we
call
pretexts
interviews.
These
are
instances
where
people
will
use
a
ruse
to
try
and
gain
your
financial
or
your
emotional
states
or
your
mental
states.
Some
examples
of
those
were
in
the
past:
I
used
to
be
used
to
have
what
they
call
living
trust
meals.
E
These
were
people
who
would
have
big
advertisements
in
the
newspapers
or
they
would
advertise
that
if
you
come
to
one
of
their
lunches
or
free
dinners
and
they'll
talk
to
you
about
financial
planning.
The
purpose
for
that
was
to
get
you
to
come
to
their
seminars,
and
they
would
they
would
have
attorneys
and
insurance
agents.
They're
present
these
great
plans
to
you
and
then
get
you
to
agree
to
have
them,
come
to
your
home
and
get
more
information
from
you.
E
Well,
the
purpose
of
that
is
for
the
insurance
agents
to
come
and
to
determine
what
your
financial
status
is.
How
much
money
you
have.
Where
do
you
have
your
monies?
Is
it
invested?
Where
are
they
invested?
Also,
the
agents
will
check
your
mental
status.
Does
this
person
understand
what
I'm
talking
about
or
not?
E
E
You
heard
about
those
right
yeah
they
advertised
to
be
able
to
present
to
you
a
way
to
get
money
out
of
your
homes
so
that
you
can
use
that
to
purchase
whatever
you
need
home
improvements
take
vacations,
it's
same
principle,
two
pies.
They
come
into
your
home.
They
find
about
your
financial
situation
and
then
they
take
advantage
pass
the
law
to
try
and
stop
that
from
happening.
Latest
ones.
E
We've
seen
is
called
veterans
benefits
cam
and
what
that
is
is
if
you're,
a
veteran
you're
entitled
to
a
program
sort
of
like
Medicare,
where
you
can
get
health
care
is
taken
care
of
through
the
federal
government.
Well,
they
call
themselves
counselors
and
they'll
charge.
You
we've
seen
up
to
ten
thousand
dollars
to
prequalify
you
to
get
these
benefits
same
thing
happened
in
the
past
with
Medicare.
E
What
they
do
is
they
find
out
how
much
money
you
have,
and
then
they
tell
you
you
have
to
spend
that
money
down
so
that
you
can
get
to
a
certain
level
where
you
qualify
for
these
benefits.
What
you
have
to
worry
about
is
that
once
they
spend
all
your
money
or
have
you
gift
all
your
money,
you're
left
with
nothing
and
then,
when
you
try
and
qualify
for
these
programs,
the
government
finds
out
about
this
and
you
won't
qualify
for
it.
So
you
have
to
be
very
careful
about
that.
E
In
addition
to
doing
that,
when
they
neuron
about
your
financial
positions,
there
will
tell
you
that
you
need
to
buy
an
annuity
to
hide
that
money,
art
to
save
money
for
your
beneficiaries
or
whatever.
You
have
to
be
very
careful
when
you
try
and
buy
an
annuity,
as
Elena
has
said
in
the
past,
I
want
to
give
you
example
of
a
couple
cases
that
these
things
happened.
E
We
had
a
case
where
this
gentleman
called
himself
a
financial
planner
and
he
met
with
seniors,
told
them
that
he
can
invest
their
money,
get
them
tremendous
tremendous
interest
on
their
money.
He
had
them.
He
collected
about
1.5
million
dollars
from
his
clients.
We
did
a
long
investigation.
We
partnered
with
the
district
attorney's
office
and
found
out
that
this
guy
was
pocketing
that
money
he
bought
two
airplanes.
E
Several
cars
took
many
vacations,
bought
a
ranch.
He
was
living
really
large.
With
that
money.
None
of
the
people
got
their
money
back.
Fortunately,
partnering
with
the
district
attorney's
office,
we
were
able
to
arrest
him
and
get
him
convicted.
He
served
three
years
in
prison
and
was
ordered
to
pay
the
money
back
in
restitution.
Now,
I'm
not
sure
if
they
don't
get
their
money
back
in
restitution,
but
at
least
he's
off
the
streets.
E
The
mayor
said
earlier
that
a
long
time
ago,
it
used
to
be
a
children's
game,
and
I
can
remember
when
I
first
started
with
the
Department
of
Insurance
I
had
a
case
involving
a
senior
citizen.
I
went
to
their
house
because
we
had
a
complaint
that
she
had
bought.
Multiple
insurance
policies
well,
when
I
got
to
her
house,
I
knocked
on
the
door
Nastor.
If
I
can
come
in
and
talk
to
her
about
it
and
she
allowed
me
into
her
house,
I
told
her.
E
E
So
what
I
learned
from
that
was
that,
like
Elena
said,
you
must
have
somebody
with
you
whenever
somebody
tries
to
sell
you
something,
but
this
was
one
of
the
first
cases
that
I'd
done.
This
was
back
in
the
80s
and
when
I'm
talking
about
a
gentleman's
day
gentleman's
game
back
then
all
we
did
was
what
we
found.
Somebody
had
violated
to
insurance
code.
We
went
after
their
license
and
got
them
revoked
nowadays,
it's
much
different,
the
predators
out
there
are
worse
and
so
we're
hard
lined
with
them.
Now.
E
Nowadays,
if
we
find
somebody
taking
advantages
of
seniors,
we
go
after
them
criminally.
We
have
a
case
up
in
Lake
County
right
now.
We're
gentlemen
sold
an
annuity
to
a
lady
who
was
diagnosed
with
dementia.
She
had
been
diagnosed
with
dementia
five
years
before
he
sold
her
this
policy.
He
claims
that
when
he
met
with
her
she
was
lucid.
She
knew
everything
that
she's
talking
about.
Fortunately,
the
people
that
dealt
with
her
new
better,
he
had
her
go
to
the
bank
and
withdraw
all
of
her
monies
to
buy
the
sanu
ax
t.
E
Fortunately,
the
bank
personnel
recognize
that
she
was
dementia
she
suffered
from
dementia.
They
called
the
Adult
Protective
Services
Department,
who
contacted
her
and
also
determined
that
she
was
suffering
from
dementia.
They
referred
it
to
the
district
attorney's
office,
who
referred
it
to
us,
because
we
are
the
experts
we
partnered
with
that
district
attorney's
office
got
the
guy
convicted
for
theft
by
false
pretenses
and
elder
abuse.
E
Speaking
of
partnering
with
district
attorneys,
we
have
what
we
called
a
life
and
annuity
senior
protection
program.
It's
a
program
where
we
partner
with
the
district
attorney's
offices
to
prosecute
life
and
annuity
sales
abuse.
Fortunately,
for
you
guys
San
Mateo
County
is
one
of
our
partners
and
I
want
to
let
you
know
that
San
Mateo
County,
one
of
their
specters,
is
here
today.
Her
name
is
Andrea
Higgins
and
she's
very
good
at
investigating
these
types
of
cases,
Sandra.
E
E
Always
have
somebody
there
with
you
who
can
be
your
eyes
and
ears,
make
sure
that
they
always
leave
documentation
with
you
so
that
you
can
look
at
it
and
we
can
review
it
if
we
have
to
never
make
a
decision
to
buy
a
product
on
the
same
day
you
could,
if
you
can
buy
today,
you
can
buy
it
tomorrow,
don't
be
like
a
car
salesman.
The
deal
will
never
go
away.
It'll
be
the
same
trust
you
can
trust
but
verify
you
know
if
they
tell
you
something,
don't
take
it
on.
First
value.
E
Computers
are
very
good
these
days,
so
they
can
make
printout
documents
that
tell
you
what
you
want
to
see,
but
always
verify
as
Elena
say.
There's
a
30-day
free
look
period.
Make
sure
that
you
use
that
not
only
you
but
have
a
trusted.
Professional
look
at
the
documents
that
you
look
that
you
receive
as
well.
E
E
C
Thank
you
very
much
talent
and
if
you
know
of
a
senior
that's
being
taken
advantage
of,
we
want
to
hear
about
it.
I
know
your
your
district
attorney
wants
to
hear
about
it.
The
farm
insurance
wants
to
hear
about
it.
Your
assembly
member,
wants
to
hear
about
it.
These
are
all
places
you
can
go
to
to
contact
if
you
see
someone
in
the
community
that's
being
taken
advantage
of,
because
we
have
a
zero-tolerance
attitude
with
regard
to
that.
But
you
are
our
eyes
of
years.
I
need
you
to
report
it
to
us.
C
So
then
we
can
investigate.
I
just
was
thinking
as
I
as
I
was
going
through
in
my
own
head
all
of
the
incredibly
important
bills
that
your
assembly
member,
either
introduced
or
supported
in
the
wake
of
the
disaster
that
occurred
here
and
I.
Think
it's
a
hallmark
of
a
great
legislator,
not
only
that
he's
available
to
the
community
and
responsible
and
disasters
like
that
occur,
but
he
wants
to
hold
accountable.
C
Those
who
are
responsible
and
I
hope
you'll
support
him
in
that
legislation
and
make
sure
that
the
decision-makers
who
allowed
what
happened
to
happen
here
are
held
accountable
and
they
can't
skate
free
with
multi-million
dollar
golden
parachutes
or
whatever
it
is
that
they're
allowed
to
do
as
a
result
of
they're
getting
away,
but
not
being
held
accountable
for
the
bad
decisions
that
they
make.
So
I'm
real
excited
about
supporting
him
in
this
endeavor
and
I'm
sure
you
will
as
well
we're
also
joined
here
this
evening
by
Tony.
C
Signorelli
is
one
of
the
senior
leaders
in
the
Department
of
Insurance
he's
a
Deputy
Commissioner
for
our
consumer
services
and
market
conduct,
branch
and
Tony's,
going
to
talk
a
little
bit
about
a
disaster
issues
and
insurance
and
its
specific.
The
pipeline
explosion,
a
disaster
that
occurred
here
in
San
Bruno.
Please
join
me
in
welcoming
Tony
Signorelli.
F
Thank
You
Commissioner.
We
really
want
to
get
to
your
questions
and
so
I'd
like
to
touch
on
a
couple
of
issues:
homeowners,
insurance,
how
to
file
a
complaint
and
how
that
relates
to
our
past
experiences
here
in
San
Bruno
as
well
as
you
know,
basically,
everyone
statewide
we're
all
witnesses,
especially
here
that
you
don't
have
to
live
in
a
like
a
high
risk
forest
area
to
have
a
widespread
insurance
issue
happened
with
with
damage
that
necessitates
having
enough
coverage
to
protect
yourself
in
the
event
that
you
do
suffer
a
total
loss,
22
you're.
F
Basically,
your
primary
investment,
which
is
your
home,
and
so
a
couple
of
tips
and
and
I
will
mention
also
that
we
have
numerous
guides
and
information
online
and
in
the
back
of
the
room
and
at
any
point
in
time,
whether
it's
today,
tomorrow
or
next
year,
you
know
please
contact
us
with
any
questions
that
come
up
on
homeowners,
insurance
or
any
issue
that
arises
with
regard
to
homeowners
insurance.
The
first
thing
you
want
to
do
is
take
out
your
insurance
policy
and
you're.
F
What's
called
a
declaration
page,
your
insurance
policy
probably
has
a
lot
of
dust
on
it
like
mine
does,
but
you
know
get
it.
Take
a
look
at
it.
Get
your
declarations
page.
That's
your
cover,
page
of
your
policy
that
tells
you
the
amount
of
coverage
you
have
for
each
of
the
different
categories
of
coverage.
How
much
coverage
you
have?
What's
your
policy
limit
for
your
structure?
What's
your
policy
limit
for
your
contents
and
personal
property?
Do
you
have
code
upgrade
coverage
that
sort
of
thing
you
need
to
get
that
out?
F
You
need
to
look
at
it
and
as
well,
while
you're
looking
at
it
decide
whether
you
not
only
need
homeowners
insurance,
but
maybe
you
need
to
look
at
earthquake
insurance
and
possibly
flood
insurance
depending
on
where
you
live,
but
the
same
tips
I'm
about
to
give
really
apply
to
all
of
those
in
terms
of
making
sure
you
have
adequate
coverage.
First,
look
at
the
kind
of
coverage
you
have
there's
various
degrees
of
coverage,
the
strongest
coverage
and
the
best
coverage
is
called
guaranteed
replacement
cost
coverage.
F
That
coverage
is
will
basically
pay
the
full
amount
to
replace
your
home.
Even
if
your
policy
limits
aren't
enough
to
pay
for
so
it'll
go
above
policy
limits.
Basically
it's
because
it
does
that.
I
will
say
that
it's
fairly
expensive
and
it's
not
available
to
everybody
and
not
not
many
insurance
companies
write
it,
but
please
look
for
it
see
if
it's
available
and
it
might
meet
your
needs.
The
the
next
level
of
coverage,
which
is
more
common
and
more
readily
available
and
more
affordable,
is
called
extended,
replacement,
cost
coverage.
F
Now
that
coverage
will
pay
up
to
your
policy
limits,
but
it
will
also
pay
for
a
percentage
above
policy
limits
that
you've
purchased.
So
you
purchase
that
extended
coverage
of,
let's
say
fifty
percent
or
twenty-five
percent
above
your
your
policy
limits.
So
if
you
need
that
additional
money
to
completely
rebuild
your
home,
that
money
will
be
available
to
you
to
to
reconstruct
at
home.
The
next
level
of
coverage
is
replacement,
cost
coverage
that
will
pay
the
full
amount
to
replace
your
home,
but
only
up
to
that
policy
limit,
not
above
it.
F
F
The
additional
part
you
want
to
look
for
which
I
mentioned
a
minute
ago,
is
building
code
upgrades,
make
sure
you
have
that,
especially
if
you
have
an
older
home
you're
going
you'll
find
and
we
found
after
the
many
wildfires
over
the
years
as
well
as
even
you
know
in
san
bruno,
that
the
older
homes
require
a
lot
of
the
codes
that
went
into
effect.
For
let's
say
the
last
20
years.
F
Is
that
additional
cost
involved
in
and
bringing
that
rebuilding
that
home
building
code
upgrades
should
take
care
of
least
a
portion
of
that
once
you
know
what
kind
of
coverage
you
have
or
what
kind
of
coverage
you
think
you
you
want,
you
want
to
look
at
each
of
the
various
categories
of
coverage
to
make
sure
you
have
enough.
The
first
two
categories
is
your
primary
structure
and
your
adjacent
structures,
your
sheds
and
your
outhouses,
and
that's
outbuildings.
I'll,
say
how.
F
F
Even
if
they're,
not
a
lot
of
the
code
upgrades
these
days
will
require
a
complete
foundation
replacement,
and
so
we
found
a
lot
of
these
coverages
that
people
were
getting
did
even
include
the
value
of
their
foundation,
so
make
sure
that
it
covers
everything
that
you
need
to
replace
that
home.
You
can
get
a
contractor
to
give
you
an
estimate.
F
Your
insurance
company
or
your
agent
might
give
you
a
number
if
they
do
a
new
regulation
when
you
affect
last
year,
which
requires
that
ages
a
broker
or
insurance
company,
if
they
give
you
a
replacement
costs
figure,
they
need
to
give
you
a
detailed
report
as
to
how
they
derive
that
figure.
With
a
breakout
of
you
know
your
kitchen,
your
roofing,
your
type
of
materials,
they
use
the
quality
of
the
materials,
the
foundation,
the
cost
for
debris,
removal.
F
The
next
category
is
contents,
personal
property
make
sure
you
have
enough
coverage
there.
It's
important
in
that
area
to
do
a
home
inventory.
We
have
home
inventory
booklets
in
the
back
that
you
can
use.
That's
helpful
in
two
in
two
ways:
number
12
sure
you
have
enough
coverage,
but
it's
also
going
to
help
you
when,
if
you
do
suffer
a
loss,
you'll
already
have
that
contents
inventory
done
for
the
most
part
and
it'll
be
a
lot
easier
for
you
to
submit
that
information
to
the
insurance
company
to
get
your
payment
back
quicker.
F
There
are
also
some
electronic
versions
of
the
home
inventory.
You
go
on
our
website.
I
think
we
have
a
link
to
a
few
of
them
that
you
can
go
and
do
that
electronically.
You
could
also
find
some
online.
The
importance
there
is
making
sure
you
I
tomorrow,
may
jure
components,
personal
property,
electronics,
appliances
and
all
the
other
aspects
of
your
home.
Take
photographs.
Take
video
put
that
information,
not
in
your
house,
but
away
from
your
house
either
a
safe
deposit
box
or
with
friend,
friends
or
family
that
live
elsewhere.
F
The
last
category
is
additional
living
expense.
There's
not
a
lot.
You
could
do
with
regard
to
how
much
coverage
you
get
there
because
it
basically
comes
from
how
much
your
limits
are.
It
will
flow
from
that,
but
the
important
part
there
is
to
know
that
if
there
is
a
disaster
in
your
area,
you
are
required.
F
The
insurance
companies
required
to
give
you
24
months
of
additional
living
expense
coverage,
even
if
your
policy
has
a
short
period
of
time
now,
once
you've
gone
through
this
whole
process
and
making
sure
you
have
enough
coverage,
you're
going
to
look
and
see
whether
you
can
afford
that
premium,
and
so
what
what
you
want
to
do
is
find
ways
to
mitigate
that
that
cost
there
are
various
ways
you
can
do
that
you
can
increase
your
deductible.
So
if
you
have
a
thousand-dollar
deductible,
you
increase
in
to
2000,
you
might
see
a
substantial
decrease
in
premium.
F
There's
other
ways.
You
could
look
for
make
sure
you
contact
your
agent
or
broker
insurance
company
and
ask
for
all
their
entire
list
of
discounts
and
credits.
You
may
have
certain
discounts
that
aren't
on
your
policy
that
you
don't
even
know
about
such
as
you
know,
security
measures
and
fire
alarms,
and
you
know,
there's
a
myriad
of
them
and
make
sure
that
if
it
pertains
to
you,
you
have
you
have
a
credit
for
it.
F
Lastly,
I'll
just
talk
about
in
general
mitigation
in
general.
It's
one
thing
to
have
enough
coverage.
Another
thing
to
make
sure
that
you
can
get
your
claim
painted
as
important.
Sometimes
more
important
is
mitigating
your
property,
making
it
defensible
to
a
fire
I'm
not
going
to
talk
much
about
it,
but
I
would
suggest
that
maybe
you
could
go
to
the
cAL
FIRE
website.
They
have
a
great
checklist
for
how
to
mitigate
and
create
defensible
space
around
your
hey
home.
What
what
to
look
for
what
not
to
put
on
your
property?
F
What
the
remove
from
your
property
that
sort
of
thing!
We
highly
recommend
that
and
we
either
have
information
back
there
in
one
of
our
guides
or
on
our
website,
or
we
can
provide
that
information
to
you
and
with
that
I'll.
Just
end
by
saying
that
the
Department
of
Insurance
we
received
200,000
phone
calls
a
year,
assisting
consumers
35,000
written
complaints
that
we
investigate.
We
recover
50
million
dollars
a
year
for
consumers
on
a
case-by-case
basis.
F
Looking
at
individual
complaints,
if
you
again,
whether
today,
tomorrow
or
next
year
or
five
years
from
now,
if
you
or
a
family
member,
have
any
issues
with
regard
to
insurance,
that's
health,
home
owners,
life,
auto
annuities
everything,
give
us
a
call
and
we'll
do
our
best
to
point
you
in
the
right
direction
or
intercede
with
your
insurance
company
to
make
sure
that
they
fulfilled
their
obligations
and
paying
their
claim
or
otherwise
handling
that
transaction.
Thank
you.
C
C
Ok,
so
I
guess
I
will
go
first.
Let
me
read
the
first
question:
if
I
can't
answer
it
I'll
defer
to
some
of
my
experts
here
from
department,
the
question
is:
what
is
the
Department
of
Insurance
doing
to
eliminate
second
or
third
party
indemnification
clauses
from
contracts?
This
is
an
unfair
business
practice
that
unjustly
shifts
the
burden
of
insurance
upon
small
contractors.
C
Well,
I
know
a
little
bit
about
that,
because
when
I
was
in
the
legislature,
I
worked
on
on
that
issue
and
what
was
happening
was
that
general
contractors
were
requiring
subcontractors
to
enter
into
indemnification
contracts
that
required
the
subcontractor
to
indemnify
not
only
for
their
portion
of
the
work,
but
for
all
of
the
work
on
the
project.
So
if
you
were
the
roofer
subcontractor,
the
general
contractor
was
saying
in
order
for
you
to
be
able
to
bid
on
the
job
and
get
a
piece
of
the
job.
C
You'd
have
to
indemnify
for
the
walls,
the
windows,
the
concrete
work,
the
basement
the
foundation,
and
it
was
a
way
for
the
general
contractors
to
shift
the
risk
downstream
to
the
smaller
subcontractors.
And
then,
if
there
was
a
lawsuit,
because
it
was
some
construction
defect
and
the
general
contractor
was
sued,
they
would
then
drag
in
the
subcontractor.
Relying
on
these
indemnification
clauses.
C
So
I
was
pleased
to
actually
author
several
pieces
of
legislation
that
eliminate
the
ability
of
general
contractors
in
the
commercial
context
to
do
this
and
also
eliminate
their
ability
to
do
this
and
the
Public
Works
context.
Because
what
was
happening
was
some
cities
and
counties
were
taking
the
same
approach
with
regard
to
public
works.
C
They
would
write
a
contract
and
that
the
contract
would
then
say
that
not
only
the
general
contractor
would
be
on
the
hook,
but
the
subcontractor
would
be
on
the
hook
for
the
whole
project,
even
if
the
subcontractor
was
just
doing
the
sidewalk
they'd
be
on
the
hook
for
the
roof,
the
windows,
the
walls
or
whatever.
So
the
law
in
California
prevents
that
now,
of
course,
everyone
being
creative
as
they
are,
then
the
next
thing
that
occurred
was
the
general
contractors
started.
C
Saying:
well,
ok,
that's
great,
but
we're
going
to
drag
the
subcontractors
in
to
pay
for
all
the
defense
costs
associated
with
the
litigation.
So
then
I
authored
another
bill
when
the
support
of
the
assembly
member,
we
said
no,
no,
the
subcontractor
only
has
to
pay
for
its
share
of
the
defense
costs.
C
Oh
there's
one
other
piece,
you
can
ask
me
a
question:
I'll
go
on
for
hours.
The
same
darn
thing
was
happening
to
the
design
professionals.
This
is
the
other
piece
of
this
thing.
You're
the
architect
and
you're,
drawn
the
plans
and
you're
required.
Did
then
the
five
for
the
whole
project,
so
the
roofer
gets
it
wrong
and
you're,
just
the
poor
gal
that
drew
the
plans
now
you're
on
the
hook
for
the
whole
thing.
C
B
C
B
C
B
Are
ething
single-payer
that
applies
to
I?
Think
for
both
of
us
I
mean
we've
both
been
very
supportive
of
single-payer
and
and
Dave.
Jones
has
been
a
leader
in
that
movement
to
try
and
resolve
some
of
the
issues
that
he
indicated
earlier
related
to
to
health
care
and
the
question
in
the
event
that
the
supreme
court
rules,
the
mandate
unconstitutional
will
California
is
SB
810
become
the
next
opportunity
for
health
care
reform
in
California.
Well,
I
think
that
certainly
is
an
issue
that
we've
been
supportive
of
and
trying
to
to
bring
forward
and
I.
B
Think
that
will
be
the
next
effort
that
will
have
to
to
to
pursue
in
that
regard,
and
they
may
have
some
questions.
I
did
I
did
receive
a
couple
of
questions
that
were
unrelated
to
insurance,
they're,
more
related
to
pensions,
and
so,
if
you'd
like
to
see
me
after
I'd
be
happy
to
talk
with
whoever
wrote
the
questions
related
to
that,
you
want
to
kind
of
keep
it
focused
on
insurance
this
evening.
Here's
some
other
any
specific
to
you.
More
than
and
immediate
great.
C
C
Unfortunately,
that's
not
the
reform
that
came
out
of
Washington,
but
the
reform
that
came
out
of
wash
and
has
a
lot
of
good
in
it,
and
my
own
personal
view
is,
if
we
don't
move
forward
with
implementing
it
and
point
out
the
good
things
in
it.
If
that
is
stripped
away
either
by
the
supreme
court
or
by
other
means,
then
there'll
be
no
foundation
on
which
we
can
build
to
get
to
an
even
better
place.
C
Both
the
administration,
that
is,
the
obama
administration,
as
well
as
myself
as
insurance
commissioner
and
jerry
brown
as
our
governor,
are
moving
forward
with
implementing
here
in
California,
and
our
hope
is
that
the
law
will
be
upheld.
If
it's
not
upheld.
There
are
a
variety
of
options
available
to
California
and
I.
Don't
know
if
Jerry
Hill
is
going
to
be
in
the
forefront
of
that.
Of
that
conversation,
one
is
California
could
move
forward
with
its
own
version
of
the
Affordable
Care
Act.
In
fact,
we
debated
doing
exactly
that
in
2005
and
in
another
state.
C
Massachusetts
did
exactly
that.
So
that's
an
option
for
us
so
we'll
have
to
see
what
happens
and
I'm
optimistic
that
the
various
benefits
I
described
in
my
opening
remarks-
and
there
are
a
lot
more
I-
could
have
gone
on
at
greater
length
and
don't
get
stripped
away
because
there's
a
lot
of
good
things
in
that
law
for
Californians
and
I.
Think
it'd
be
unfortunate.
If,
if
we
lost
it
so
Tony,
you
want
to
take
a
stab
at
one
of
the
questions.
That's
been
asked
of
you
sure.
F
C
Here's
another
question:
how
much
can
insurance
companies
raise
rates
on
auto
insurance?
That's
a
great
question,
and
sometimes
it
seems
like
the
sky's,
the
limit
you
know
in
California,
in
1988
the
voters
passed
a
very
important
law
called
proposition
103,
and
that
was
a
law
that
was
written
by
a
consumer
group
called
consumer
watchdog
and
what
that
law
did.
Among
other
things
was.
It
gave
the
Insurance
Commissioner
the
authority
to
reject
excessive
rate
hikes
for
auto
insurance
and
homeowners,
insurance
and
property
insurance
and
casual
insurance.
C
But,
as
I
explained
earlier,
my
remarks,
not
health
insurance,
not
HMO
insurance,
but
as
to
those
other
insurance
lines.
Insurance
commissioners
have
been
exercising
the
authority
under
prop
103
and
rejecting
excessive
rate
hikes
and
have
saved
consumers
and
businesses
literally
tens
of
billions
of
dollars
as
a
result
and
the
insurance
companies
all
said
at
the
time
that
that
law
was
being
considered
by
the
voters
in
1988
that
that
law
passed
they
were
out
of
here.
They
were
going
to
write
anymore
insurance
in
any
of
those
product
lines.
C
Well,
in
fact,
they're
all
here:
they're
all
still
writing
insurance
in
those
product
lines
and
they're,
making
a
reasonable
rate
of
return.
So
I
think
that's
good
evidence
that
we
could
do
the
same
thing
for
health
insurance.
We
should
extend
that
law
to
cover
health
insurance
and
HMOs
and
give
the
Insurance
Commissioner
the
same
authority
to
reject
excessive
rate
hikes
in
that
area
too,
because
without
it
my
sole
authority
is
limited
to
this
I
can
sentence
the
insurance
company
to
my
website.
If
I
think
they're
rape
is
unjustified.
C
That's
it
I
can
put
the
big
scarlet
you
on
him
and
put
it
on
my
website.
Well,
in
fact,
you
know:
we've
used
that
to
good
effect
to
get
some
rate
reductions
using
the
bully
pulpit
for
some
of
the
health
insurers
last
year,
but
you
may
have
read
in
the
papers
just
the
other
week,
aetna
came
in
with
yet
another
proposed
rate
hike
for
small
businesses
over
a
two-year
period,
a
thirty
percent
increase
in
health
insurance
rates
for
small
businesses.
These
are
small.
C
Businesses
are
hanging
on
by
their
fingernails
to
try
to
continue
to
keep
their
doors
open
and
provide
health
insurance
for
their
employees,
thirty
percent
rate
hike.
We
looked
at
it,
our
actuaries
looked
at
it.
We
concluded
that
they
were
overstating
both
utilization
increases
and
per
unit.
Medical
cost
increases
and
the
rate
was
not
unjustified.
I
talked
that
in
a
CEO
about
that
she
disagreed
and
they
went
ahead.
I
found
it
unreasonable.
She
disagreed.
They
went
ahead
at
the
mind.
C
You
made
a
twenty-seven
percent
profit
last
year
alone,
paid
a
1.75
billion
dollar
dividend
to
their
parent
company.
In
my
view,
that
Ray
was
unreasonable,
but
I
don't
have
the
authority
to
reject
it.
I'd
like
to
have
that
authority,
because
I
think
we
could
do
a
lot
of
good
with
it.
But
right
now
we
don't
have
that
authority.
Alana.
Do
you
have
a
question?
I
do.
D
The
question
is:
does
the
government
or
state
of
California
subsidized
either
the
Medigap
or
Medicare
Advantage
programs
I,
not
aware
of
subsidies
from
the
state
or
federal
government,
for
these
programs
and
primarily
I
think
because
we
have
access
to
regular
Medicare
or
to
médicale
in
California,
so
that
basic,
very
basic
health
care
is
available
to
folks
I,
don't
know
if
there
are
any
subsidies
from
private
organizations,
I
suppose
that's
possible,
but
my
guess
is
not
very
likely.
The
other
question
was:
is
there?
Is
this
another
source
of
revenue
for
the
insurance
industry,
I?
D
F
Do
you
have
one
yes
and
I
think
this
might
be
another
one?
What
we
would
want
to
maybe
speak
to
the
person
and
try
and
help
them
individually,
but
generally
it
talks
about
how,
when,
when
you
quit
your
job
or
you
lose
your
job
and
you
need
to
have
continuity
of
coverage
and
there
is
a
law,
a
federal
law
Cobra
it's
called
and
it
allows
you
to
continue
to
receive
coverage.
F
So
you
don't
lose
your
coverage
for
a
period
of
time
for
a
certain
premium.
It
may
be
a
little
higher
than
what
you
were
paying
while
you
were
at
your
job,
but
at
least
you
can
keep
that
coverage
for
a
certain
period
of
time.
In
this
case,
the
issue
was
that
hit
the
employer
switched
to
a
self-funded
plan
and
then
said
you're
not
eligible
for
Cal
Cobra.
We
don't
have
to
follow
that
law,
so
Mike.
My
first
suggestion
would
be
you
know.
Let
us
take
a
look
at
that.
F
Let
us
see
exactly
what
happened
here,
see
if
it's
something
we
could
take
a
look
at
or
mean
we
can
work
with
the
US
Department
of
Labor
on.
If
it
is
in
fact,
a
self-funded
issue
should
still
be
similar
protections
on,
so
it
might
be
just
a
misinformation
being
provided
by
the
employer,
but
we
want
to
look
at
it.
The
specific
issue
and.
G
Healthcare
question
on
a
national
level,
even
if
the
legislation
is
goes
through,
the
congressional
budget
office
has
said
that
they'll
still
be
27
million
people
uninsured
at
the
end
of
five
years.
So
in
California
we
have
a
bill
Senate
bill.
8
tenants
was
referred
to
earlier.
That
would
provide
health
care
to
everybody
and
save
billions
of
dollars
for
everybody
in
the
state.
So
my
question
is,
and-
and
it
was
blocked
this
year
as
six
Democrats
joined
with
15
Republicans-
to
block
it
in
the
Senate.
G
So
my
question
is
I
guess
this
is
for
selling
minh
hill
and
well
it's
for
both
of
you.
What
what?
What
will
you
do
to
help
build
the
foundation
to
move
that
forward
and
to
get
the
private
insurance
companies
out
of
our
lives?
In
my
opinion,
is
it's
like
you've
mentioned
that
contractors
trying
to
play
this
game
on
that
game?
Insurance
companies
play
the
same
game
they're
in
business
to
ensure
the
healthy
and
avoid
the
sick
and
they're
like
the
sooner
we
get
him
out
of
our
lives.
The
better
well.
B
Thanks,
thank
you
for
the
question,
the
challenge
in
Sacramento
and
as
the
Commissioner
knows,
since
he
was
in
the
legislature
for
a
while,
is
that
many
cases,
politics,
Trump's
good
public
policy,
a
lot
of
the
times.
Seventy
eighty
percent
of
the
time-
and
this
is
a
good
example
of
that
the
bill
struggled
in
the
end
senator
mark
Leno
from
San
Francisco-
is
the
author
of
the
legislation
and
it
it
has
a
problem
in
the
Senate
getting
out
and
it's
difficult.
B
C
I
think,
but,
as
I
alluded
to
before,
I
think
that
job
gets
even
tougher
if
the
foundations
of
that
reform
get
turned
torn
down,
and
so
that's
why
I'm
working
within
the
existing
legislative
framework
that
was
passed
federally
and
by
the
state,
I'm
looking
for
ways
to
improve
it
through
the
measures
that
I
described
a
moment
ago.
That
would
give
me
more
authority
over
the
rates
and
then
looking
towards
trying
to
build
towards
single-payer
and
convincing
the
majority's.
G
Hi
I
wore
in
health
care
and
how
California
could
save
some
money
I'm
an
RN
in
San,
Francisco,
State
University,
my
vision,
dental
and
Kaiser
amount
to
sixteen
hundred
dollars
a
month,
I'm
a
half-time
nurse.
My
gross
income
is
eighteen
hundred
dollars
a
month.
Well,
it's
almost
5050
under
Senate
bill
810,
the
California
universal
health
care
act.
California
would
save
twelve
hundred
dollars
a
month.
The.
G
Expenses
would
be
funded
by
payroll
taxes,
from
my
employer
and
for
myself,
and
it
would
not
no
longer
be
a
benefit
kind
of
a
thing
which
would
not
rock
people
into
jobs.
People
would
not
be
working
for
health
care,
as
sixty
percent
of
americans
are
now
so
Assemblyman
hill.
Will
you
co-sponsor
Senate
bill
810
when
it's
when
it's
introduced
again
in
2013
I.
B
F
That
this
question
involves
auto
insurance
wire,
auto
insurance
companies
allowed
to
sell
only
a
five
thousand
dollar
limit
of
insurance
when
that
does
not
cover
the
actual
losses.
That's
that's
true.
There
there's
a
financial
responsibility
law
and
the
minimum
limit
that
is
required
of
the
public
in
California
is
for
property.
Damage
is
five
thousand
dollars,
which
is
not
enough.
It's
a
law
that
passed
many
many
years
ago.
It
has
not
been
updated,
it
does
result
in
the
the
person
who
was
damaged
by
the
at-fault
person
with
the
insurer.
F
For
that
difference,
and
it's
leaving
that
policyholder
hanging
two
things
one,
even
though
that
$5,000
is
the
minimum
limit,
most
insurance
companies
allow
and
sell
higher
limits,
and
so
the
first
thing
you
want
to
look
at
is:
what
are
your
limits
for
your
auto?
Although
you're
meeting
the
minimum
financial
responsibility
laws
with
a
state,
should
you
buy
more
coverage
for
bodily
injury
and
property
damage,
or
even
uninsured
motorist,
and
look
at
those
premiums
to
see?
F
C
C
F
So
this
is
this
involves
an
auto
accident
where
the
person
that
hits
the
you
know
the
other
person
and
the
their
insurance
company
are
dragging
the
case
out
so
long
that
to
hopefully
get
the
the
person
that
was
hit
and
damage
to
you
know
to
go
away,
or
even
in
some
cases,
maybe
lose
their
legal
rights
to
to
sue
and
recover
damages
from
that
party.
You
know
the
first
thing
is
it.
F
You
know
any
point
in
time
because
there's
a
statute
of
limitation,
let's
say
in
two
years
in
some
instances
well
before
that,
if
anyone
is
receiving,
you
know,
insurance
company
dragging
their
feet
or
the
third
parties
not
responding
to
their
insurance
company
and
the
insurance
companies
using
that
as
an
excuse
to
not
pay
the
claim
quickly,
then
you
know
come
to
us.
Let
us
take
a
look
at
that.
C
G
And
you
know
the
people
dragging
their
feet
and
specifically
one
of
the
questions
was
mine
and
I've
got
documentation
which
I'm
happy
to
prove.
But
what's
happened
is
you
don't
have
a
car
that
was
valued
for
26,000?
Geico
is
going
to
give
me
16
because
of
the
limitations
and
because
that's
not
fair,
they
said,
but
you
can
sue
that
person
in
small
claims
court.
However,
that
person
moved
they
refused
to
give
me
their
address
their
phone
number
and
they
basically
told
me
and
I,
have
the
names
of
all
the
people.
I've
spoken
with
it
Geico.
G
It
said
too
bad,
that's
the
way
it
goes.
I
know
that
they've
moved
I
know
that
geico
knows
where
those
people
are
and
they
refuse
to
give
me
the
information.
So
how
do
I
serve
or
give
you
know,
get
any
kind
of
restitution
I
feel
like
I've,
really
gotten
it
from
geico.
So
can
you
help
me
with
that
later?
Well,.
F
Yeah,
we'll
take
a
look
at
your
specific
case
in
general,
we
wouldn't
be
able
to
do
something
with
regard
to
the
small
claims
court
case
or
the
potential
litigation
against
that
party,
but
the
insurance
aspects
certainly-
and
we
could
also
point
you
in
the
right
direction
in
terms
of
possibly
getting
information
on
the
other
party
through
DMV
through
the
filings
that
are
required
after
accidents.
So
we
might
be
able
to
assist
you
in
that
side
too.
That.
G
Would
be
great
in
just
one
last
thing:
I
just
want
to
say
that
you
know
I
have
always
carried
insurance.
I
believe
that
I
had
to
have
a
hundred
thousand
three
hundred
thousand
dollar
policy
and
I
even
had
uninsured
motorist
just
on
the
off
chance.
You
know
it
was
a
junker.
It
was
my
commute
car,
but
I
really
thought
I
was
covered
and
geico
said
you
would
have
been
covered
if
you
had
uninsured
motorists,
but
you
have
an
under
insured
motorist
who
hit
you
and
that's
where
I'm,
it's
just
not
right.
G
So
I'm
happy
to
talk
to
you
later
and
I
will
say
this.
I
want
to
add
this.
Jerry
Hills
office
has
been
very
helpful
with
me,
Amanda
in
your
office,
because
I
actually
have
to
share
the
five
thousand
dollars
with
Caltrans,
because
she
had
a
sign
before
she
hit
me
and
pushed
me
into
another
car
and
Caltrans
took
over
a
year.
I
was
hit
April,
10
or
excuse
me
16
in
2010
and
I.
Don't
have
a
dime
for
my
car.
Yet
thank
you
and.
C
Then,
if
we,
if
so
what
don't
be
a
for
afterwards
figure
out
how
to
navigate
DMV
too,
so
you
can
get
the
address.
But
if
that
doesn't
work,
I
mean
I
would
also
think
about.
You
mean
you.
Could
you
probably
thought
about
this,
but
for
probably
a
fairly
minimal
amount?
You
can
also
hire
a
processor,
even
though
it's
small
claims
matter,
you
could
hire
someone
who
will
go
out
knows
how
to
notice
how
to
find
people
and-
and
that
might
be
a
way
to
go
to
so
here.
C
The
only
industry
in
which
it's
occurring
is
that
some
businesses,
in
order
to
reduce
their
risk
and
liability
for
employees,
are
moving
to
a
contract
situation.
Where
they're
contracting
for
employees
in
that
in
the
workers
compensation
area,
we
we
have
some
jurisdiction
to
go
after
those
sorts
of
arrangements
if
they're
sham.
C
In
other
words,
there
are
laws
and
rules
that
govern
the
question
of
whether
someone
is
an
employee
or
a
contract
door,
and
it
has
to
do
with
whether
or
not,
generally
speaking,
you
essentially
manage
your
own
work
and
have
a
degree
of
autonomy
and
independence.
With
regard
to
of
how
you
accomplish
your
work
versus
employees
who,
under
our
laws
in
California
by
definition,
are
more
directed
and
more
under
more
of
a
kind
of
a
command
and
control
suit
circumstance.
C
So
there
have
been
some
cases
where
companies
in
order
to
try
to
evade
the
responsibility
to
have
workers.
Compensation
insurance
will
seek
to
misclassify
workers.
The
other
way
that
that
occurs,
unfortunately,
is
misclassifying.
The
type
of
work,
the
individuals
doing,
because
they're
oftentimes
hire
workers,
compensation,
premiums
associated
with
riskier
work
or
people
that
are
less
senior
and
less
experienced,
doing
work
than
less
risky
work
or
people
that
are
more
serious
or
more
experienced.
So
if
you
have
evidence
where
employers
are
engaging
in
that
sort
of
behavior,
we
have
zero
tolerance
for
that
department.
C
Insurance
we
have
investigators
who
will,
if
we're
presented
with
evidence
of
this,
will
investigate
it
work
up
the
cases
we
provide,
grant
funding
to
District
Attorney's,
like
the
San
Mateo,
County,
District
Attorney,
to
prosecute
these
cases
and
the
other
way
it
can
occur
is
under
reporting
a
payroll.
Some
employers
under
report,
their
payroll
for
purposes
of
evading
certain
labor
requirements,
including
the
requirement
to
have
adequate
workers
compensation
insurance.
C
G
I
just
wanted
to
mention
that
we
do
have
some
requests
for
assistance
forms
back
here
there
with
my
associate
here
Isabel.
So
if
you
need
to
file
or
fill
out
a
form,
just
please
see
Isabel
in
the
back
hi
this
follow-up
hi
Jerry,
the
legislature.
Why
haven't
you
mean
I've
been
driving
for
45
years,
same
insurance,
requirement,
15
and
30?
You
know
I'm,
sorry,
why
haven't
played
in
the
legislature
ever
I
mean
I,
carry
it
half-million-dollar
policy
on
my
car.
Why
don't
you
require
everybody?
C
C
I
think
I'll
take
stabbed
it
and
then
because
I
was
in
the
legislature
to
and-
and
I
think
that
the
the
balance
that
is
struck
there
is
at
you
and
one
or
two
other.
The
questions
have
raised
this
question
about
the
existing
coverage.
Minimum
requirements
have
said:
wait
a
minute
there
too
low.
There
ought
to
be
more
and
that's
a
fair
question,
but
the
other
side
of
that
coin
is
if
the
legislature
were
to
decide
to
do
that.
That
would
have
a
direct
impact
on
premium.
C
There's
just
no
question,
and
so
that
also
could
have
an
impact,
then
on
the
number
of
people
that
can't
afford
to
carry
insurance
too,
and
so
that's
the
balancing
act
that
the
legislature
has
to
strike
and
considering
that
particular
question,
and
so
far
there
hasn't
been
a
real
push
by
motorists
in
the
state
of
california
urging
their
elected
representatives
to
make
that
change,
because
I
think,
although
admittedly
some
people
have
pointed
out
correctly,
these
limits.
You
questioned
yourselves
about
why
they're
so
low,
but
other
people
are
worried
about
the
premium
impact
of
making
that
change.
C
B
Know
I
think
you
answered
it
in
the
challenges.
I
think
the
legislature
has
and
we've
not
received.
You
know
there
aren't
the
overwhelming
calls
and
and
consumer
complaints
about
the
the
inadequacy
of
insurance
and
I
think
the
issue
of
the
cost
increases
and
then
those
who
would
be
driving
Howie
without
any
insurance
would
increase
substantially
in
were
we're
out
of
time.
B
C
Well,
we
really
appreciate
your
kind
attention
as
an
audience
we're
happy
to
stick
around
and
ask,
as
jerry
has
said
in
to
answer
additional
additional
individual
questions.
Weren't
able
to
get
to
I
think
Alana
did
have
a
question
from
someone
and
she
wants
to
encourage
that
person
to
see
her
afterwards.
So
go
ahead.
Elenna
right.
D
C
1
809
the
numbers
of
my
phone:
either
1
800,
927
4357,
that's
our
hotline.
We
have
a
website.
Wwn
shirin
see
a
govt.
We've
got
lots
of
materials
in
the
back
help
yourself,
those
materials.
If
you
have
particular
issues
of
dispute
with
your
insurance
company
or
your
agent
or
broker,
we
also
have
consumer
complaint
forms
in
the
back
as
well.
We're
happy
to
take
your
information.
Thank
you
very
much
and
finally,
I
want
to
thank
Assemblymember
Jerry
Hill,
his
fine
staff.
You
have
a
great
representative
here.