http://www.fayobserver.com/articles/2013/03/24/1243031?sac=fo.local
More than 160 companies underwrite auto insurance in North Carolina, and they are represented by the N.C. Rate Bureau. Typically, the bureau proposes rate increases on behalf of the industry, then after a period of negotiations, a final settlement is reached with the insurance commissioner. Often the increase, if any, is less than what the industry initially requested.
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