New York Insurance

Direction: The assurance of the economy, the debt of New Jersey’s Insurance Commissioner for nearly 1 billion dollars in losses by État’s Joint Underwriting Association on policy motorists, studies on the basis of the Commissioner and its costs more different conclusions.

The insurance companies, the debt of New Jersey’s Insurance Commissioner for nearly 1 billion dollars in losses by État’s Joint Underwriting Association on policy motorists, studies on the basis of the Commissioner and its costs more different conclusions.

Verification of Industry, on behalf of the American Insurance Association, said the company, the State may debt association with less than $ 10 million. The review shows that the industry is girding to fight against the commissioner in court.

But the commissioner, Kenneth E. Merin said the verification of new questions about how the company operates in the years serves Underwriting Association. Releases about loading

Last month, Mr Merin released scores of internal audits by the 15 service companies. The assessment, carried out by two auditors by the State asserts that the losses of the club were the result of $ 428 million in too many requests and $ 375 million in overcharges on insurance by airlines.

Mr Merin said that on the basis of these evaluations, he complained institutions for the return.

The air transport companies had written policies and common services for applications Underwriting Association from 1984 until earlier this year, if the contract was awarded to four IT companies and vehicle insurance. The Insurance Association, whose headquarters is to reassure drivers with bad records, insurance has expired nearly half of the State pilot.

Robert A. Gaines, Vice President of the American Insurance Association in Washington, said decisions on managing the threat judicial Kampf”wird depend on each institution will continue.”He said the commissioner of insurance costs wurden” völlig without validity.”State of a commission planning Reply

Merin Commissioner said he had given the recent report by industry audit doubts that the state, the study - Arthur Andersen & Company in Chicago and the Insurance Committee Management Group Inc. Stamford, Conn. He said he had a detailed reply, as he heard of him. He said he would still try to refund insurance companies.

”We may ask other companies to resources, as it appears from their report, they can, what we do, they should not,’’said the Commissioner, City of Industry The report shows that some companies do not have the images of vehicles damaged and that some companies in the ratio of expenses for reimbursement of losses of conflict.

The insurance industry study was conducted under the direction of Kramer Associates of New York, whose chairman, Orin S. Kramer, who served as vice president and general manager of a commission of Dir Mario M. Cuomo study in New York State’s insurance liability crisis and Law Reform.

The report by Kramer in New Jersey criticized the method used by the Insurance Management Group in its report that serious error”.” And he explained that maintenance costs, insurance companies have been set by State and proved to be judicious. The report also notes that the firm Anderson’s results show disc “expenditure during the year 1988 more than their income of $ 50 million.

”The image degradation partly explains the lack of interest for insurers in seeking JUA Carrier roles in recent years,”the report said Kramer. Adoption load arbitrary

The report indicates Kramer Management Group of insurance arbitrarily assumed that 10 percent of all beneficiaries, an accident and not automatically, within 48 hours would retain a lawyer to derive management costs.

Insurance Management Group, Mr Merin, replied only 48 hours default came from space Industry Research Advisory Council, an organization of insurance companies, and that time does not start to pay, the affirmation lies in the hands of a claims manager.

Bernard N. Bourdeau, president of the New York Insurance Association Inc., a professional association of New York represents major auto insurers, made the following statement in response to a press release today Senator Charles Schumer of New York on rates of car.

“I am disappointed that Senator Schumer has chosen to discuss the very serious problem of high auto insurance in New York two years rehashing statistics, already widely discredited by the State Insurance Department. It is also regrettable that in 1997 selected statistics, when he knows very well that the administration was behind efforts Pataki

Direction: Given that national clamor for lowering auto insurance premiums also a proposal for an early solution to the attention of consumers and will enter into force for the insurance industry. The idea is simple: State laws that give the driver a choice between error and non-political mistake.

Given that national clamor for lowering auto insurance premiums also a proposal for an early solution to the attention of consumers and will enter into force for the insurance industry. The idea is simple: State laws that give the driver a choice between error and non-political mistake.

Drivers of private vehicles, can choose to be completed by political responsibility, with higher premiums or errors almost exclusively non-political, with lower premiums, not let the fact that individuals complain.

New project “Start”, a non-profit group of industry and consumers subsistence, it was found that products from USA in the adoption of the plan. Virginia Knauer, advisor of Consumer Affairs, President Nixon, Ford and Reagan, was named chairman of its national.

Certains”des USA are in a crisis situation immediately with a high level of auto insurance rates,’’said Knauer. ”We have a conversation about savings up to 30, 40, 50 per cent.”

At a national conference on auto insurance in Alexandria, Virginia, last month, Mrs. Knauer submitted the plan of his group, composed of proposals by Jeffrey O’Connell, a law professor at the University of Virginia, contributed write the first no-fault model law during the year 1966. New Jersey has established a similar approach to Jan 1, when it began to allow motorists the choice between the right to complain or approval not to try to justice, in most situations. “An approach gangbarer”

A leader of consumers, supports this dual strategy is James Brown, director of the Center for Consumer Affairs at the University of Wisconsin-Milwaukee. ”This is a positive step,”he said. ”Given political realities, it is an approach gangbarer.”

Among the assurances of managers in favour of the concept is James F. Perry, Associate General Counsel of the State Farm Insurance Companies, the largest nation of the writer private automobile insurance. ”Our first reaction was that it was a heavy, uncomfortable idea,”he said. ”But how we react to the difficulties encountered in the right device, operating on no-fault insurance regulation, it seems to be an end to the dilemma.”

In no mistake, insurance is generally required for financial losses from their own insurance companies, whatever caused an accident. Nineteen years after Massachusetts adopted the first such law, only 14 States had no real mistakes systems. And few of them can appeal if the serious injury or permanent, as the State laws and regulations.

According to the Institute of Insurance Information in New York, ie no real assurance of debt are Colorado, Connecticut, Florida, Georgia, Hawaii, Kansas, Kentucky, Massachusetts, Michigan, Minnesota , New Jersey, New York, North South Dakota and Utah. Three of them - Florida, Michigan and New York - have strong no-fault laws, within the limits of costumes automatic injuries.

Insurance companies, a sharp rise in prices of attack to say that premiums are nothing more than a reflection of their cost. Their reaction is to support the passage of no-fault legislation, particularly those who allow themselves only when serious injuries, the costs to better meet the needs.

”There is no doubt that insurance companies have a genuine obligation of man are violated,’’said John J. Martin, the chairman of Aetna Life and Casualty Company’s division of the personal financial security and the president of the Insurance Information Institute. ”But we have a commitment just as legitimate as people, not debt. What is-no-fault, is the low demand from the litigation environment.” ‘Fast, more equitable and humane ”

Robert Pike, a Senior Vice President and General Counsel of the Allstate Insurance Company, said:”No error provides several dollars of USA, the customer pays for new customers of the benefits. The error is based on waste, inefficiency and delays. From non-guilt is a rapid, just and humane way of compensating victims.

Representative Dick Armey, majority leader of the house, he said today the legislation on the net reduction in costs of insurance automatically motorists the option of filing the lid of the pain and suffering that results of accidents.

The initiative is both an unusual movement of Mr. Armey, a Texas Republican, has sponsored, only two other bills during his tenure, and a big lift for the supporters of the option, under the name of automatic selection, we must prove that the political traction.

”The train is finally leaving the station,’’said Michael Horowitz, director of the Hudson Institute’s Project for Civil Justice Reform.

The Senate Commerce Committee hearings is scheduled for a parallel bill sponsored by two Democrats, Senators Daniel Patrick Moynihan of New York and Joseph I. Lieberman of Connecticut, with three Republicans, Senators Mitch McConnell of Kentucky, Rod Grams of Minnesota and Slade Gorton of Washington.

Trial lawyers have already expressed their refusal of adoption, as some consumer groups. ”It would be difficult to nothing for the wounded,’’says Bob Hunter, director of insurance for the Consumer Federation of America. Consumer associations are also claims that the automatic selection would be unfair because it would be access to justice on the basis of a driver’s ability to pay additional premiums.

But supporters say that the automatic selection, incentives for fraud and increase victims prospects for compensation for actual economic losses, even when cutting premiums averaged $ 243 per year each driver, or $ 45 billion in Germany.

”It’s like a tax reduction for low-and middle-income Americans,’’said Armey called estimates, the RAND Corporation, the Institute for Civil Justice show that the savings would be greater pilots urban.

Auto-selection was indigenous to the frustration of failure of systems of insurance, introduced in 1970’s, escalating insurance costs. In the approach is not a mistake, was almost half the country (including New York and New Jersey), injured in car accidents are entitled to health care and lost wages on his own insurance companies, regardless fault. The victims have complained for pain and suffering only if their losses exceed a threshold, often by their doctor bills.

But non-rejection has done little to insurance costs, which rose by 150 percent in 1980, despite the decline in the number of accidents. Indeed, it seems that no two levels of increased costs by creating incentives on the eve of the doctor’s fees, in order to facilitate access to justice. If Massachusetts has increased its threshold to $ 2000 for the year 1989, the median number of visits to the doctor because of the violation of victims has increased from 13 to 30

An alternative, no bullet-proof laws of debt, in which victims could only lead to compensation for economic losses, would probably be the most 40 percent of self-insurance costs now under litigation, not need medical care and for payment of pain and Leiden. But the total elimination of claimants the right to a day in court appears many as unfair. So Horowitz and Jeffrey M. O’Connell, a professor at the University of Virginia Law School, helped invent no-fault, it is suggested, disengagement of self-assurance standard package.

Pilot ready to renounce claims, pain and suffering, in return, reducing premiums can be severe for no-fault, while others would also act bezahlen”unerlaubter maintenance coverage.” A driver coverage, wrongful act is injured by a driver with not only - defects that could collect pain and suffering of his indemnity insurance policyholders how the victims are compensated for damage caused by drivers not policyholders.

George Bush supports federal law, Member States, this choice driver during the presidential campaign of 1992, as Bob Dole in 1996. And a diverse group of politicians, Dir Republicans such as John Engler of Michigan and Mayor Rudolph W. Giuliani: St. Michael Dukakis, former governor of Massachusetts and Democratic presidential candidates took to the cause. But with the exception of State Farm, the insurance industry has always distant. And until now, the pressure of lawyers has been able to brush aside automatic selection initiatives: a car in California electoral ballot initiative was defeated this year, Dir and Christine Todd Whitman was forced to make their own automatic choice of a bill without a vote at the New Jersey Legislature.

The youngest of four children growing up under the reign landed in New Jersey’s Land hunt, Christine Todd Temple to hide under the kitchen table and wait for their brothers and sisters and their older friends. As they bite. ”Yes, they sometimes,”his sister Kate Beach, recently recalled.

Spirited and independent since childhood, Christie Todd Whitman - as governor of New Jersey’s is now known - has once more, a gift for people attract attention.

In 1993, he was a promise berauschende bar taxes, woven around voters and away from his Democratic opponent, the incumbent, Jim Florio Dir.

But while in the exercise of his recent victory, the state has today against Senator James E. McGreevey, Mrs. Whitman has found that voters still have an advantage in attracting the attention of their elected officials. Instead of simply the return home of Governor of the State for its second - and last - Definitions, polls in recent weeks showed many people keep their votes hostage until the last minute to Mrs. Whitman’s attention to some things, they were unhappy about.

An auto insurance”,” man shouted his journey along the campaign. And a withdrawal on race day, there were certainly more personal testimonies of a large property tax burdens whispered in his ear as forget-me-not in Casanova. New Jersey voters not bite, but they bark.

”I have heard loud and clear,”Mrs. Whitman said in its latest television campaign ads. ”In a second term, I’m going to self-insurance and taxes with the same home I had my first term on cutting taxes, reform of animal protection and the fight against crime. ” ‘

And if a new promise was made, the second-term agenda. Auto insurance rates the recent past has shown, will not be easy to manage. In the past, this year, Ms. Rückert proposed a reduction plan that Republicans control the legislature, widely rejected. But this governor has shown that the stretch of the campaign may be more as a forum for politicians to be heard and analyzed. When they keep their promise to campaign on 1993 taxes, they demonstrated that the section was also a place where could terms of a loan.

”It was taken seriously by voters,’’said Stephen Salmore, a professor at the Eagleton School of Politics at Rutgers University. ”She’s going to work more closely with Gesetzgeber”passieren reforming auto insurance, he. ”She’s will have to produce.”

Mrs. Whitman, born on September 26, 1946, a legacy of Republican politics. Her parents, Eleanor Schley Todd and Webster Todd Sr., was the East branch Republican, took her daughter to the State party and national events in an early age. Mr. Todd, a construction magnate, whose family Rockefeller Center and the construction of other important projects, which served for many years as chairman of the Republican State, and Mrs. Todd, born of one of the bankers in New York, New Jersey large landowners, had many roles in the Party committeewoman Including nationals.

Do a family of the 230 hectares of farm in Oldwick Township in Hunterdon County, Mrs. Whitman attended the Far Hills Country Day School in Somerset County and the Chapin School in New York City. She went to Wheaton College, Norton, Massachusetts, and holds a doctorate in 1968.

When she needs a rendezvous for 1973 Richard Nixon’s Ball inaugural address, she called a friend, John R. Whitman, the small-son of a former governor of New York, Charles S. Whitman Sr.

A year later, she married. Mr. Whitman, now 53, he was director of a private company-Venture Capital Fund. They have a daughter, Kate, 20, and a son, Taylor, 18

In 1982, Mrs. Whitman was selected for Somerset County Board of Freeholders and in 1988, Thomas H. Kean Dir appointed to the State Board of Public Utilities, where she served as president.

During 1990, in a long coup bid for the Senate of the USA, it took in the popular Democrat Bill Bradley, and although she lost the race was so close that Ms. immediately Rückert won recognition as a future star in the Republican Party.

One reason for a problem that dominated last year’s gubernatorial race in New Jersey, Lieut. Dir McCAUGHEY Betsy Ross has published today a plan to reduce auto insurance in New York, including a proposal for Pay-by-the-miles premiums.

He was one of two proposals to reduce the tax rates are offered today by the candidates for the Democratic gubernatorial nomination. Peter F. Vallone, spokeswoman for the New York City Council, it offers a limited proposal, but McCAUGHEY Ms. Ross’s plan, consumers little choice between holding a payment of a lump sum, as a driver to do now or the payment of rent based on mileage.

Some insurance companies has already led miles as one of many factors in calculating premiums, but their plan, the correlation much more directly.

”The danger is not in possession of a car, it is in one direction,’’said Ross McCAUGHEY. ”People drive less, should not be compelled primarily insurance companies pocket.”

The lifetime-based approach would be a blessing for people who drive infrequently, a group of older drivers, the people of New York and women. All three constituencies could be decisive for the Lieutenant Governor’s main policies, the elderly are more likely to vote, it is explicitly appealing to women voiceless, and it tries to raise its relatively weak performance of capacity in New York City voters.

She stated that its proposals would lower rates by 25 per cent, but many of them is based on projections of income from savings from other elements of his plan, such as the appointment of a lawyer consumers and cut administrative costs.

In New Jersey, during the past year, Dir Christine Todd Whitman was almost hit by a little-known Democrat, Senator James E. McGreevey state accused him do anything about auto insurance premiums, the highest in the country.

Ms. Ross McCAUGHEY Democrats and others fighting for their party’s gubernatorial nomination - Charles J. Hynes, the Brooklyn District Attorney, James L. Larocca, a former commissioner of State, and Mr. Vallone - have said she hoped that the use of the problem more impact in New York.

In describing his own insurance, Mr. Vallone said one reason for the New York High rates is a law signed by George E. Dir Pataki in 1995, as a woman McCAUGHEY Ross was a member of the Republican Governor’s Team. She changed party affiliation in September and started plans for a gubernatorial race.

A campaign aide said that Vallone 1995 law increases the minimum amount drivers, resulting in higher prices. Ross’’sagte nothing, if the law of this State,’’said Kim Rubey, a spokesman for the campaign Vallone.

Mr. Vallone released less than a detailed proposal for the creation of a free telephone number and website to help people compare-Shop, as well as limiting insurers’ profits, and strengthening penalties for cases of fraud. He did not say that his proposal is likely to affect rates.

The Pataki camp has rejected the proposals by Mr. Ms. Ross and Vallone McCAUGHEY of pandering. Neither ein”macht no sense,’’said Zenia Mucha, the governor-director of communication. ”This is nothing other than the choice of the political year.”

In a poll conducted this week by interviewing John Zogby International, more than half of New Yorkers interviewed indicated that auto insurance rates ein”’’sehr important issue in the race for governor, but a similar number, they do not think it will change its decision as to whether the voice M. Pataki.

Although Ms. Ross’s McCAUGHEY plan could be based with blocks of important votes, there were political risks as well.

Mary A. Griffin, Vice President of the American Insurance Association, said reducing the rates for one group would lead to higher prices than for others, in this case, outside the city inhabitants, propulsion, links longer and were McCAUGHEY Ms. Ross’s greatest source of support.

The lieutenant governor argued that since the insurer was healthy profits now, it would be possible, each falling prices. She acknowledged that if profits are scarce or non-existent for the lower rates, the reader is less and less forcefully, until the prices for those who drive.

Each morning, like John Gotti swaggers rows in a courtroom in Brooklyn wearing his trademark silk tie and a grimacer, a baby-faced 23-year-old named Chen Chung I. impassively among other things, almost empty, the courtroom, two floors below. But despite the lack of attention, his trial, Mr. Chung and other Asian and American passage perhaps the future leader of organized crime, prosecutors say. A1. Gotti case, the jury

The jury of John Gotti’s racketeering murder study is to begin consultations this morning, after the judge to excuse a juror is the case, then the remaining members gave its final form instructions. Judge I. Leo Glasser of Federal District Court in Brooklyn, went to the disclosure of its fundamentals for the Liberation of juror, a woman as a juror No. 3 But he said it was not necessary, inasmuch fault of either party in the proceedings. B3. 48 IN arson-For-Profit CASE

Forty-eight people, including several insurance brokers, rights adjustors and businessmen in the Garment District of Manhattan, were arrested and flowing that the ministry released the names of one of the greatest nation’s Full - Service, arson-for-profit rings. B3. Region an agreement on the budget

With a time honored method for closing a budget deal, New York State Guide generates more money for schools and New York with a number of last-minute maneuvering tax on the sale of an Aqueduct Race Track a terminal Quasi - authority to another. The agreement was a victory for Mayor Dinkins, whose lobbying helped, although $ 31 million of $ 100 million in cuts that the city had protested. He also led from a suburban and outside the city legislature to cut the additional $ 40 million by the city school budget. A1. Legislators make some semantic backpedaling on promises a budget on time. B4. Insurance AUTO QUANDARY

When he ran for governor, Jim Florio reform of automobile insurance is one of the main themes of his campaign. Despite claims of progress, the assurance of a car remains confused than ever, as for millions of New Jersey pilot. B6. Florio of veto in cases of delayed wage law

In a step towards the introduction of new legislation on the Republican organization, Florio said the governor, he would have a veto to delay the Republican New Jersey a new minimum wage - for workers have already started more paychecks. B4. Hoboken rejects the plan WATERFRONT

After weeks of violent debates, voters refused to renew Hoboken A Waterfront, requested that the supporters of a financial blessing for the city and that opponents of the monstrosity. B6. The resumption of the Catholic Church

The Episcopal bishop of Newark attacked the Catholic Church in regard to the policy on women and homosexuals call for the church of repression, is affected, hypocritical and in danger of losing its soul. “B6.’s Parents lose the bid for control of the closed parochial school. B6. About New York, B3

Allstate, the largest auto insurer in New York, said yesterday that it was increasing their rates an average of 10.5 per cent in the State of New York, highlights the growing problem of fraud rights auto insurance.

The increase is the average of 11.8 per cent in the five municipalities in New York City and Westchester, Rockland, Nassau and Suffolk Counties, indicate that auto insurance rates and fraud is a hot topic for legislative l ‘ State, yesterday convened. Elsewhere, New York State, Allstate customer pays more than 7.3 per cent for auto insurance.

The increases were approved by the regulatory authorities state, be immediately and effectively to new customers February 17 for former clients.

Although the growth of New York City and nearby boroughs was more than four times the average price increase for insurers in the state in 2000, the latest year for which statistics are available, regulators d State said they were not surprised.

”That’s exactly what we knew was,’’said Joanna Rose, a spokesman for the New York State Department of Insurance. ”We need real reform to fight against fraud and abuse.”

New York already has the second most expensive car insurance in this country, with an average price of $ 943 per car. But officials fear that New York is perhaps soon exceed the New Jersey’s most expensive state for auto insurance for an average of $ 1,043 per car. Car insurance has become a rancorous political problem in New Jersey and George E. Dir Pataki do not want a big exhibition in New York.

Last year, he and Gregory Serio, Superintendent of Insurance, introduced a number of changes to legislators, to reduce tax evasion. Many legislators recognize that fraud as a serious problem, but they were unable to act, a bill adjourning. Some legislators proposed a special meeting to deal with auto insurance fraud. But finally, there was no special session.

State Farm Insurance, the third insurer in the state increases its rates by 7.4 percent on average above the level of November. And the regulatory authorities said yesterday that they expect other insurers raise their prices.

On the other side of the country, auto insurance have increased an average of 6 per cent last year, according to Robert Hartwig, chief economist for the insurance industry Information Institute, a trade group in New York Because the cost of medical care and repair automobiles has increased. The average increase from the previous year was 3 percent.

Nowhere in the country, auto insurance fraud seriously, “said Hartwig. ”New York, auto insurance fraud capital of the USA,”he said. ”It is worse in New York City. But Buffalo, Rochester, Syracuse and Albany have shown the same problem.”

Mr. Hartwig said that the cost to insurers after New York increased by 28.5 per cent of fraud during the year, compared to an average of 3.8 percent across the country. Colorado, 18 percent with higher charges for claims, belongs to a handful of other countries, including Florida, are causing severe dizziness fraudulent claims.

Most centres of fraud on the cost of medical treatment. In a common scheme, organized groups auto scene of several accidents people in the cars. The pilot file an accident report with the police to document the incident. Then, all passengers are usually not difficult to begin treatment with doctors, chiropractors, radiologists and others, many of whom are often part of the group of fraud. Organize lawyers are often groups and insurers transport, against payment of claims.

After New York’s no-fault auto insurance system, insurers offer up to $ 50000 coverage with virtually no questions. Currently, people involved in the treatment of failures may earn up to six months before their insurer. Insurers say that leaves much room for fraud. , In collaboration with the governor, campaigns to reduce the period of 45 days. But they were of legal proceedings against some lawyers and health professionals.

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 has 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 with reduction of 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.

New York, the fifth nation in car theft highest rate, Federal Bureau of Investigation statistics. A vehicle is stolen every 120 people in the state each year. South Dakota Nation, the lowest per capita rate of theft of a car on 900 inhabitants.

Theft of car is an important contribution to the cost of auto insurance, according to the National Association of Independent Insurers (NAII), an industry trade group. About 10 percent of the average annual premium for auto insurance pay for damages resulting from stolen cars.