When I’m fighting for your property rights, I’ll also be fighting for mine.

Insurance Rate Accountability and Options

Affordable medical insurance for all is the top concern, beyond that, all of us are required to have auto insurance, most of us need home owners or renters insurance.  Too often when I question my insurance providers about how I could tailor my policies to my specific needs and potentially reduce my insurance rates, I get a one size fits all answer. The public deserves straight answers about what the law is concerning insurance requirements and clear separation about what’s required by law and what’s the policy of the insurance providers.

I  feel that government has a responsibility to assure that:

1.    the public’s insurance needs are provided at a fair cost;

2.    the individual insurers understand what they are getting and what the costs are for each benefit;

3.    the individual insurers have a clear understanding of potential options that could provide for their specific needs, along with any potential savings.

If elected I would work closely with the Insurance Commissioner to reduce the confusion about our insurance needs and identify legislation necessary to assure that the people of this state have an understanding of what their options are to maximize their insurance dollars.

 
Education:
I feel that the job of the schools is to prepare our young people for today’s world.  Many of the efforts made recently to improve our education system are well intentioned, but seem to have fallen short in really making a difference in the quality of education our students are getting. 

I have talked to recent high school graduates and current seniors from several of our schools and am amazed to discover that none of the school districts that they attended had provided any classes that taught them about how interest rates affect the overall cost of an item. None had an understanding of credit ratings or debt to income ratios necessary to be able to purchase a house in the future. I feel this is an unforgivable shortfall in our public schools.  In a world of almost instant credit approval of purchases for everything from groceries to RV’s and automobiles, to not have our young people understand the cost, responsibilities and potential repercussions of buying on credit is in no way preparing them for today’s world.

If elected I will work to assure that our youth are better prepared with the practical education needed to understand how borrowing money affects their finances.