New York Insurance

Mayor Rudolph W. Giuliani has a sudden interest in recent weeks in the policy of auto insurance, a topic that is not normally in the areas of the city’s Chief Executive. But the mayor emphasis on businesses have less to do with his interest in the intricacies of their practices and do more with its desire to focus on what he considers to be the most beautiful end of its mandate: lower the leg crime rate.

He railed against insurance companies to a large number of public appearances that companies in dispute have treated people of New York City unfair, because insurance rates have not kept pace reduction 51 per cent of car thefts that the city had between 1990 and 1995.

”It is time to wonder why New Yorkers have not benefited from declining auto theft, Sir,’’said Giuliani.

Indeed, the sector is placed under public regulation, the answer to this question would normally be grappled in Albany, not City Hall. During his attacks, Mr. Giuliani said he tries to translate its fight against crime gains in dollars and cents rewards for residents. After the fight against the automobile insurance rates, he said, this is insurance rates for homeowners because the home burglaries have also in recent years.

While the mayor said he is not a politically motivated tactic, its political benefits are inevitable. With the criticism addressed to businesses and the announcement of the creation of an investigative task force that would be praised hearings, to attend the end of automobile insurance rates enigma, the mayor assured that the issue remains costs coming weeks, perhaps even next year, if it is to win another choice to keep his seat.

Among the challenges awaiting the mayor in elections next year’s elections, some have tried to score early points by critics to him for his management of overcrowding in public schools and its efforts in support of Yankees New York to find a new home. In the meantime, the mayors of insurance appeals to many rural middle class, insurance-paying voters. His anti-Versicherungs-Gesellschaft oratory allows him to trumpet to significant reductions in the city of crime but to ensure an industry that has moved resentment.

”The mayor has set elegantly on a major problem,’’said Steven Goldstein, Vice President of the Insurance Information Institute, an industry trade group. All the time”may be an elected official stand up and refuse the cost of auto insurance, it’s a no-lose situation. Nobody can say that the mayor, they are satisfied with what they pay, because it is not too few, when it comes to auto insurance.”

Other men have also seen the wisdom of this strategy. Jim Florio, the former Democratic governor of New Jersey, adopt changes in auto insurance at lower cost to policyholders in the early 1990’s, but he lost the election in 1993, his command, because the tax increases , Which he agreed to eclipse insurance benefits. And Bob Dole, Republican presidential candidate, wants to be part of reforming the auto insurance debate in the presidential race.

The mayor has assiduously to the regulatory authorities to avoid criticizing or Dir George E. Pataki, a fellow with the Republican mayor tent in the Lot. Mr. Giuliani said the auto insurance prices are likely nur”etwas, nobody was to be met.”

Still, officials, the New York State’s Insurance Department are less than enchanted with the mayor of the new tack.

”We are satisfied to hear what we hear,’’said John Calagna, a spokesman for the State Insurance Department. ”As many press conferences, they are? Perhaps that the division of insurance must appoint its own working group to examine how the mayor of the perception of a tonne of waste in the city, because it would have only if very important.”

Mr. Calagna and industry experts say that the inhabitants of the city to pay an overall rate of automobile insurance - and this applies to such things as car theft and damage caused by fire, vandalism, flying objects and takes an animal - have declined slightly over the past few years, but increases in other insurance costs offset the decline.