top of page

INSURANCE CLAIM RESOLUTION WITHIN 60 DAYS

When David is elected, the entire Department of Insurance will be re-organized towards helping North Carolinians, small business owners, farmers, seniors, members of the military and public servants ensure their rates are low and they get what they paid for when they need their insurance company to step up.  

 

This means that insurance companies will have 60 days to pay claims or be subject to a penalty that is paid to you, not the DOI.  The insurance companies don't allow you to make late payments, why should we let them make late claim payments to their customers and you?  

MY LEADERSHIP TEAM WILL REFLECT THE DIVERSITY OF NORTH CAROLINA WITH PAY EQUITY

When I'm elected Commissioner, I've commited to ensuring the Department of Insurance leadership team and employees reflect this great diverse state.  In September 2023, in a video to the NC Democratic Women Convention, I committeed to appointing woman and people of color to my leadership team at a level that represents the diverse culture of North Carolina.

HELP CONSUMERS GET MEDICAL DEBT FORGIVEN OR REDUCED

North Carolina is home to three of the top four counties in the US with medical debt.  I will work with the debt collection agencies to put together a model repayment plan that is adopted industry wide that includes a low interest rate, payment plans, and canceling debt when possible. 

 

In addition, I'll work with the legislature to get legislation on the books that protects consumers from predatory practices, high interest rates, and wrecking credit reports.  The bottomline is that someone should not be in debt for their life becuase they got sick or injured.  I'll work to change practices in NC to protect consumers.  

FIGHT EVERY RATE INCREASE 

More than 1 million new residents have moved to North Carolina since 2010, which creates a larger market and should create lower prices. BUT our insurance policy rates keep climbing every year. These increases are across the board and affect homeowners, renters, auto, small and large business, start-up businesses and organizations, professional liability, life, property and other insurance rates. 

 

Why? No one in Raleigh is fighting to keep the rates down and the current Commissioner is dependent upon insurance industry campaign cash.  David is going to change that in his first day in office.

When David is elected as Commissioner of the Department of Insurance, he will fight against any insurance rate increases during his four year term.  ​David will be the fighter North Carolinians need.  He's done it before, he'll do it again.

TREAT ALL BAIL BONDS INDUSTRY PROFESSIONALS WITH RESPECT, FAIRNESS, AND TRANSPARENCY

Under Rate Hike Mike, the bail bonds industry is suffering from a complete lack of fairness and transparency.  I will work with the bail bond industry to bring fairness back to the BBRD at DOI.   I'll clean house of the current management, investigate past misdeeds, and set down a clear and concise ethical standard of operation for all DOI staff.  Bailbondsmen/women are small businesses and been a part of the legal justice system for more than 365 years.  Many are owned by people of color.  They need to be treated with respect and encouraged to grow their buisnesses not treated as solely sources or revenue or discriminated against.  The bad bailbondsmen/women will be weeded out and punished according to the law, not whether or not they supported my campaign or not.  Fairness is the name of the game under my administration and team.

CONVENE A TASKFORCE TO EXPLORE GUN LIABILITY INSURANCE

I will lead a pioneering initiative to form a statewide task force dedicated to exploring the concept of gun liability insurance. Recognizing the growing concerns over gun violence and safety, my proposal aims to convene a diverse group of stakeholders, including legal experts, insurance professionals, law enforcement, community and citizens group, and public health officials. The primary objective of this task force is to meticulously evaluate the feasibility of requiring gun liability insurance for gun owners in North Carolina. By doing so, I believe that this could incentivize responsible gun ownership and potentially reduce the frequency and severity of gun-related incidents. The task force will also delve into the practicalities of implementing such insurance, examining its legal implications, impact on gun owners, and potential benefits to public safety. 

APPOINT A CHIEF ETHICS AND DIVERSITY OFFICER

Based upon the data I've compiled and personal conversations with current and former DOI employees, there is a racial discrimination problem at DOI.  

One of my first acts as Commissioner will be to appoint a Chief Ethics and Fairness Officer. 

 

The focus of this senior official will be to reviewing all past and current hiring practices, create a hotline for ethical and legal violations, investigate unethical and illegal activity, refer violations to the proper law enforcement and prosecutorial agenices and compile all of this information into a format that is released to the public on a regular basis.

In addition, this senior official will review the patterns and practices of the DOI Fraud Enforcement team's investigations, arrests, and convictions.  

If someone has been discriminated against by DOI for any reason, we will investigate, render an opinion, hold violaters accountable, and provide an apology and recompense when approriate.  We will also refer all illegal activity to the proper authorities. 

USE EXISITING LAWS TO ENFORCE MENTAL HEALTH PARITY

Since 2008 federal law has required insurance companies to provide mental health coverage on par with coverage for other health services. While other states have cracked down on illegal claims denials and other roadblocks, Mike Causey's Department of Insurance has zero published enforcement actions. In 2019 The Kennedy Forum gave Rate Hike Mike an "F Grade" for mental health parity in North Carolina. When our friends, neighbors, or family members need mental health care I will fight for them to get the care they need and will enforce the law against insurance companies if needed.

PRIORITIZE PUBLIC SERVANTS

David understands that public servants are the backbone of our communities. He is committed to getting discounts on home and auto insurance for our public servants including firefighters, law enforcement, nurses, teachers, EMTs, union members, state workers, and others.

STOP EXPLOITATION OF NC SENIORS

David is committed to stopping the overcharging of seniors on their medical bills, helping resolve claims quickly and fairly, providing Medicare supplemental insurance for all North Carolina seniors and working to expand Medicare for all.  David believes that the time to act is now and that we can create a better future for our seniors.

CREATE OMBUDSMAN FOR PROVIDERS AND CAREGIVERS

The caregivers providing services to North Carolinians should have an advocate for them at the DOI.  I will add a dedicated staff person to work with providers and caregivers when they have disputes with insurance companies.  It's time we took care of those taking care of us and I'm committed to making this change.

INSURANCE COMPANY RATINGS

When my new team takes the helm January 1, 2025, we will begin work on a public website that has ratings for auto, home, renters, and other insurance lines. This website will include a rating based upon price, customer complaints, payment of claims, and other factors.  This will give consumers a clear and concise website to shop for insurance and hold bad insurance companies to account.

PROCURE A SECOND SET OF TURNOUT GEAR FOR FIREFIGHTERS

When I take office in January 2025, I will immeidately begin the process of procuring a 2nd set of turnout gear for any NC fire deptartment and/or rescue squad that requests it.  This 2nd set of gear will help lower the rate of cancer that an unclean set of gear subjects firefighters.  The gear costs approximately $2500 per firefighter and many departments cannot afford this extra cost.  

$5000 ANNUAL TAX CREDIT FOR FIREFIGHTERS

Volunteer and paid firefighters provide an invaluable service to our state.  I'm proposing and will push with the NC General Assembly a $5000 tax credit for every firefighter that is either full time or has at least 10 hours of service as a volunteer each month.   The $5000 will allow us to honor the commitment these public servants make and a partial reimbursement for their gas, and other out of pocket expenses.

STREAMLINE BUILDING PERMITTING IN NC TO INCREASE AVAILABILITY OF AFFORDABLE HOUSING

It is time the Commissioner of Insurance addressed the housing crisis in North Carolina.  I'm advocating for for a comprehensive policy aimed at streamlining the building permitting process and holding local officials accountable that are dragging their feet for political or other purposes. This initiative focuses on reducing bureaucratic hurdles, enhancing efficiency, and fostering collaboration between relevant stakeholders to accelerate the construction of affordable housing across the state.

Key Components:

1.  Review and Simplify Permitting Procedures:

  • Conduct a thorough review of existing building permitting procedures at the state and local levels. 

  • Identify redundant regulations and streamline the process to eliminate unnecessary delays.

 

2.  Establish Clear Guidelines:

  • Develop clear and transparent guidelines for builders and developers to navigate the permitting process efficiently.

  • Ensure that the guidelines prioritize safety standards while minimizing bureaucratic complexities.

 

3.  Collaboration with Local Authorities:

  • Foster collaboration with local municipalities to create a unified permitting framework.

  • Establish a task force to work closely with city and county officials, builders, and community stakeholders to address regional housing needs.

 

Wheeler's Building Permit Plan Continued

4.  Utilize Technology:

  • Invest in technology solutions to digitize and automate the permitting process.

  • Implement an online portal for permit applications, tracking, and approvals to reduce paperwork and processing times.

5.  Fast-Track Affordable Housing Projects:

  • Implement a fast-track process specifically designed for affordable housing projects.

  • Provide incentives or expedited approvals for projects that contribute to addressing the affordable housing shortage

6.  Community Engagement and Education:

  • Engage with communities to address concerns and gather input on housing needs.

  • Educate the public on the importance of expediting the building permitting process for affordable housing and its positive impact on communitiess

7.  Monitoring and Evaluation:

  • Establish a system for ongoing monitoring and evaluation of the streamlined permitting process.

  • Make data-driven adjustments as needed to ensure continuous improvement and effectiveness.

 

8.  Incentivize Innovation:

  • Introduce incentives for innovative construction methods, materials, and designs that meet safety standards while expediting the construction process.

CLIMATE CHANGE IS REAL AND DRIVING UP YOUR INSURANCE RATES

  • Appoint a Senior Deputy Commissioner for Climate Change Issues:  Appoint a leaders in climate change issues to lead all of the DOI efforts on climate change and lead the task force outlined below. 

  • Create a State-wide Climate Change Task Force:  Appoint a working group of committed stakeholders to devise a plan to combat climate change in NC, implement changes to lower our output of carbon emissions, and ensure we know what’s coming in the insurance market and the impact climate change is going to have upon NC consumers, schools, governments, and businesses.

  • Climate Change Data Center.  Provide a data center for all things related to climate change and insurance, including real-time maps where climate change will have its biggest insurance risks and increases in policy premiums.  In addition, include a list of insurance companies that include climate change data in their rates and acknowledges the risks in insurance policies.

 

  • Climate Risk Assessment and Disclosure: Require insurance companies to conduct thorough climate risk assessments and disclose their exposure to climate-related risks. This transparency will help both regulators and the public understand the potential impact on the industry.

 

  • Climate-Resilient Standards:  Establish and enforce standards for climate resilience in insurance operations. This could include guidelines on underwriting practices, risk modeling, and investments to ensure that the industry is adequately prepared for the impacts of climate change.

 

  • Incentives for Green Insurance Products:  Encourage the development and promotion of insurance products that incentivize environmentally friendly practices. This could involve providing tax breaks or other incentives to insurers offering coverage for sustainable businesses or assets.

  • Research and Development Support:  Allocate resources to support research and development in climate risk modeling. This will help insurers better understand and assess the evolving risks associated with climate change, leading to more accurate underwriting and pricing.

Climate Change Initatives

Proposed Under the Wheeler DOI Plan

  • Collaboration with Other  Regulators:  Collaborate with other regulatory bodies to ensure a coordinated approach to climate risk mitigation. This includes working with financial regulators, environmental agencies, and other stakeholders to develop comprehensive strategies for addressing climate-related challenges.

 

  • Capacity Building and Training:  Invest in training programs for insurance professionals to enhance their understanding of climate risks and adaptation strategies. This will enable the industry to respond effectively to the evolving challenges posed by climate change.

 

  • Consumer Education and  Awareness: Implement initiatives to educate consumers about the impact of climate change on insurance and risk mitigation measures. Informed consumers can make better decisions about their insurance coverage and take steps to reduce their own climate-related risks.

 

  • Regulatory Stress Testing:  Implement stress testing for insurers to assess their resilience to extreme weather events and other climate-related disasters. This will help identify potential weaknesses in the industry and ensure that insurers are adequately prepared for worst-case scenarios.

 

  • State, Federal, and International Cooperation: Engage in state to state, federal, and international collaborations to address cross-border climate risks. Work with global insurance regulators and organizations to develop consistent standards and share best practices for managing climate-related risks in the insurance industry.

=

  • Education in Schools:  DOI will lead an effort to place a curriculum module at public schools in North Carolina that discusses climate change and how individuals can help lower their carbon footprint, and be part of the solution to climate change in NC.

 

  • Premium Adjustment Mechanisms:  Develop mechanisms to adjust insurance premiums based on climate risk. Insurers should be encouraged to factor climate-related risks into their pricing models, and policyholders who adopt sustainable practices should be rewarded with lower premiums.

bottom of page