The Public Advocate may petition the bureau to initiate proceedings to review, investigate and take appropriate action with respect to the rates or service of any insurer when determined necessary by the Public Advocate.

§305.__Public complaints

The Public Advocate may investigate complaints affecting the consumers of insurance generally, or particular groups of consumers, and when appropriate make recommendations to the bureau with respect to these complaints.

§306.__Intervention on behalf of public

The Public Advocate may, on behalf of the public consumers of insurance services and products or any particular group of consumers, petition to initiate or intervene and appear in any proceedings before the bureau, appeals from orders of the superintendent or bureau or proceedings before state and federal agencies and courts in which the subject matter of the action affects the customers of any insurer doing business in this State, except that the Public Advocate may not intervene in any proceeding in which the bureau staff is representing a position substantially similar to that of the Public Advocate, as determined by the Public Advocate.

§307.__Annual report

The Public Advocate shall prepare and submit an annual report of activities of the Public Advocate to the Governor and to the joint standing committee of the Legislature having jurisdiction over insurance matters by August 1st of each year, with copies available to all Legislators on request.

SUMMARY

This bill expands the duties of the Public Advocate to include oversight of the insurance industry by allowing the Public Advocate to review and make recommendations to the Superintendent of Insurance regarding insurance rates, policies and availability of products to Maine consumers. The Public Advocate also may intervene on behalf of a consumer or group of consumers of insurance products in any action before the Bureau of Insurance, other state or federal agencies or courts.