Dear Senator or Representative:



I write to bring your attention to an issue that is of grave concern to me. Several 

Members of Congress have just introduced S.625, the so-called "Auto-Choice 

Reform Act," a bill that would federalize the automobile insurance industry. This 

legislation would usurp state regulatory authority and preempt existing state 

law. I hope that you will join me in opposing this bill. 



At this time when both the President and Congressional Leaders are fighting to 

shrink the size of government and ease regulatory burdens, I am puzzled that a 

federal auto no-fault bill may be gaining momentum on Capital Hill. Historically, 

state legislatures have been well-equipped to address the automobile 

insurance needs of their citizens. Moreover, auto-insurance rates depend 

heavily on state demographics, I believe it is ill-advised for Congress to impose 

a "one size fits all" solution to an issue that varies so drastically from state to 

state.



The legislation that was just introduced would be unfair to both consumers and 

states. The bill S.625 does not differentiate between drivers who have been 

responsible and those who have been careless. This alleged "choice" bill 

amounts to no choice at all since coverage would depend on the choice made 

by the other driver. States currently are able to maximize consumer savings by 

tailoring their auto-insurance systems to meet their unique urban and rural 

needs. It is unnecessary for the federal government to instruct states on how to 

restructure their insurance systems. Compliance to such a charge could in fact 

place an unintended unfunded federal mandate requirement on the states.



Rather than seeking to increase an already bloated and unresponsive federal 

bureaucracy into new areas specifically reserved for the much better equipped 

states, federal lawmakers should focus on issues of concern to all American 

taxpayers, such as balancing the federal budget, and saving Social Security 

and Medicare from insolvency.



I hope you share my concerns and encourage you to join me in sending a 

message to other lawmakers on Capital Hill that the federal government should 

not interfere in this issue. Please let me know your thoughts on this matter, I look 

forward to hearing from you.





Sincerely,