“Your money, or your life?” the old joke goes. “That's easy,” replies the robbery target. “My life–because I will need my money for my old age.”
Property-casualty insurers face a similar, if not quite as draconian choice in deciding whether to keep backing state regulation or succumb to the siren song of free-market pricing under a federal oversight system.
Nothing quite illustrates that paradox better than the career of Ernie Csiszar, who resigned last month just short of his two-year anniversary as president of the Property Casualty Insurers Association of America. Mr. Csiszar joined PCI after a similarly truncated term as president of the National Association of Insurance Commissioners.
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