Auto-Pad is not the insurance bill for New York

Mayor Rudolph W. Giuliani say that the people of New York were treated in a manner ungerecht””von insurance companies (news articles, August 23) will not be supported by the facts.

We are pleased that the car theft in the city a reduction of 50 per cent since 1990. But mayors by saying that this should lead to a reduction of 50 per cent in the auto-insurance rates shows a lack of understanding about how insurance premiums are set.

Advanced coverage, protection against car theft, fire, vandalism and damage caused by the weather, is only part of the entire insurance premium car - only 18 percent of the average the premium in New York State for 1990-94. Therefore, car theft is only a portion of risk in the calculation of the overall premium.

Most importantly, auto insurance premiums in New York by the National Insurance Division, which reviews all applications to assess, before it takes effect and requires all insurers to justify their rates. New York has a right to excessive profits, borders on insurance win a victory. The Audit Division, in collaboration with the legislative powers of the division of surveillance to ensure that insurance rates reflect the underlying costs of insurance products.

If the reduction in flights is a trend and not a Blip in the short term, there is a premium. It does not mean that large Premium Mayor Giuliani proposed reductions.

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