A Public Advocate acts as a representative for the QuotesChimp before the state insurance commissioner when underwriters request the right to increase their rates. Since most insurance commissioners view themselves as unbiased decision makers involving matters of policy contract rather than as promoters for the consumer this is a significant theory. Commissioners are barraged by representatives and insurance company lawyers in support of rate gains, but there are typically few promoters for the consumer. That inequity is changed by the office of Public Advocate.

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