ࡱ> *,'()%` LAbjbj ; ̟̟1.>u>u>u8vu,vrx^ztztztz}}}$Rhx4}"V}^  tztz(8tz.Rtz0"tzx dJ>u$od6<r߹@2.J2H2ۼ}d"}}}xv}}}rD>FD.F MEETING MINUTES  IICMVA Insurers Only Meeting April 24, 2008 Little America Hotel 2800 West Lincolnway Cheyenne, WY 82009 800-235-6383 In Attendance Representative NameCompany NameEmail AddressAli, AnnetteProgressive HYPERLINK "mailto:Annette_Ali@progressive.com" Annette_Ali@progressive.comAllard, MarianneTravelers HYPERLINK "mailto:MMallard@spt.com" MMallard@spt.comBabich, SandyThe Hartford Financial Servicessandy.babich@thehartford.comBellafiore, MaryAmica Mutual Insurance Companymbellafiore@amica.comBernens, DonaldLiberty Mutual HYPERLINK "mailto:Donald.BernensJr@libertymutual.com" Donald.BernensJr@libertymutual.comClark, JerryCincinnati Insurance Company HYPERLINK "mailto:Jerry_Clark@cinfin.com" Jerry_Clark@cinfin.comCollins, ConnieDirect General Corporation HYPERLINK "mailto:conniecollins@directgeneral.com" conniecollins@directgeneral.comCooper, GeorgeState Farm  HYPERLINK "mailto:George.Cooper.bqbg@State" George.Cooper.bqbg@State Farm.com DeForge, PaulUSAA HYPERLINK "mailto:Paul.DeForge@usaa.com" Paul.DeForge@usaa.comElHindi, ChristineProgressive HYPERLINK "mailto:Christine_Elhindi@progressive.com" Christine_Elhindi@progressive.comGibson, LaurieForemost Insurance  HYPERLINK "mailto:Laurie.Bustance@foremost.com" Laurie.Bustance@foremost.comGoulbourne, VernonForemost InsuranceVernon.goulbourne@foremost.comHageli, AlexPCI HYPERLINK "mailto:Alex.Hageli@pciaa.net" Alex.Hageli@pciaa.netHarrison, Cheryl Allstate Cheryl HarrisonHering, KeithUSAA HYPERLINK "mailto:Keith.Hering@usaa.com" Keith.Hering@usaa.comHinds, BillGEICO HYPERLINK "mailto:BHinds@geico.com" Bhinds@geico.comKelly, RuthThe Hartford  HYPERLINK "mailto:Ruth.Kelly@thehartford.com" Ruth.Kelly@thehartford.comKratochvil, JoeAllstatejkfuo@allstate.comLachina, DianaProgressive HYPERLINK "mailto:dlachina@progressive.com" dlachina@progressive.comLosacco, Dino Allstate  HYPERLINK "mailto:Dino.Losacco@allstate.com" Dino.Losacco@allstate.comMaguire, KathleenState FarmKathleen.s.maguiregi1y@statefarm.comMcGlade, LorenAIG  HYPERLINK "mailto:Loren.McGlade@AIG.com" Loren.McGlade@AIG.comMiller, genaProgressiveGena.miller@progressive.comNelson, JulieFarmers Insurance HYPERLINK "mailto:Julie.nelson@farmersinsurance.com" Julie.nelson@farmersinsurance.comOlsen, KellyZurich North AmericaKelly.olsen@zurichna.comPowers, DanFederated Insurance Companies HYPERLINK "mailto:DAPowers@fedins.com" DAPowers@fedins.com Schroeder, BillAmerican Family HYPERLINK "mailto:wschroeder@amfam.com" wschroeder@amfam.comSnyder, DaveAIA  HYPERLINK "mailto:Dsnyder@aiadc.org" Dsnyder@aiadc.orgSollenberger, GeorgeAIG  HYPERLINK "mailto:George.Sollenberger@aig.com" George.Sollenberger@aig.comSullivan, HenryBIS ServicesHJSullivan@OneBeacon.comTalley, RichardGEICO HYPERLINK "mailto:DTalley@geico.com" Dtalley@geico.com Traeger, DougUSAA HYPERLINK "mailto:Doug.Traeger@usaa.com" Doug.Traeger@usaa.comTraut, DaveCincinnati Insurance Company HYPERLINK "mailto:Dave.traut@cinfin.com" Dave.traut@cinfin.comTreccariche, KimFarmersKim.treccariche@farmersinsurance.comTruesdale, CraigAllstatectrue@allstate.comVollmer, CathyFarmersCathy.vollmer@farmersinsurance.com April 24, 2008 ITEM 1 Antitrust Reading The Chair, Loren McGlade, read the Antitrust Preamble. ITEM 2 Approval of the November 2007 Orlando Meeting Minutes After a brief discussion, a motion was made and seconded, and the November, 2007 Orlando meeting minutes were approved by voice vote. ITEM 3 Budget Update The Treasurer, Jerry Clark, provided the group with documents outlining the IICMVA financials and explained that the IICMVA is in sound financial shape. These documents provided details on the following items: 2007 Year-end Financials 2008 YTD Financials YTD Budget In addition, Jerry provided members with an update on the following topics: CGL Update We received an unrealistic quote for $10,000. Jerry stated that the annual premium should be closer to $600. Illinois SOS The Illinois Secretary of State Annual Report for Not for Profit Corporations was filed along with the Illinois Attorney General Registration. PayPal for Invoices An IICMVA Pay Pal account has been established. Anyone wishing to pay via this method will incur an additional handling fee to cover the cost of maintaining this service. Pay Pal should be used for situations where no other method of payment is available. The associated fees are 2.9% of the amount, plus an additional $.30 for each transaction under $3,000. ITEM 4 Online Verification Phase II Members only Discussion Loren asked members for their approval of the revised OLV Phase II document. After addressing several issues, revisions were made on the spot and the new methodology was unanimously approved by members. ITEM 5 Task Force Updates New York IIES Transaction Overlap Dino Losacco provided the group with a recently written memo from Jerry Clark, Director of Insurance Services Bureau with the New York DMV. In that memo, Jerry acknowledged that a transaction overlap problem does in fact exist. Jerry stated that although the DMV has explored several different approaches to improving this situation they have yet to fully address the matter. He also added that the original proposal developed by the Transaction Overlap Committee to utilize the ICC code form matching transactions - had formally been researched by DMVs IT group, who determined that the system change would not be feasible. Jerry indicated that the most recent proposal, to expand the ICC comparison rule beyond 90 days, appears to be conceptually promising as it would provide many of the benefits of the initial proposal and hopefully address many of the problem transactions troubling the industry. However, preliminary conversations with DMVs IT unit have been less than promising as they expressed concern that the proposal may be wrought with many of the issues associated with the last proposal, that is, risk to the system stability and scarcity of resources. As for the new error codes that went into effect on January 8, 2008, Jerry indicated that based on the first three months of data, inquiry volumes for the 2008 calendar year are expected to decrease by 15% from 2007. This decrease represents only the most recent success of the system as the volume of inquiry letters generated has consistently dropped since the implementation of IIES. As recently as 2004, over 800,000 first inquiry letters were generated. This year Jerry expects that number to be less than 500,000. Members of the IICMVA NY task forces agreed to combine their respective members into one committee for the purpose of allowing better interaction with the NY DMV. Ruth Kelly volunteered to take the lead role on this new committee. An updated list of Task Froce members is as follows: Ruth Kelly (The Hartford) Chair Ginny Boyles (ACE-INA) Marianne Allard (St. Paul Travelers) Loren McGlade (AIG) Kelly Olsen (Zurich NA) Dino Losacco (Allstate) Bill Hinds (GEICO) Annette Ali (Progressive) Gena Miller (Progressive) Rob Bryant (State Farm) PennDOT This task force is no longer needed and has therefore been retired. Virginia Boyles, ACE-INA, chair should be contacted if there is any update or need to reactivate the PennDOT Task Force. Financial Responsibility Program and Procedures Guide (SR22 Guide) Bill Hinds informed the group that he hopes to secure a new list of contacts from the AAMVA regional directors so that a new batch of surveys can be sent out. An updated list of Task Force members is as follows: Bill Hinds (GEICO) Don Bernens (Liberty) George Cooper (State Farm) Bill McKinley (Nationwide) Annette Ali (Progressive) Gena Miller (Progressive) Julie Nelson (Farmers) Cheryl Harrison (Allstate) Connecticut Commercial Ruth Kelly and Marianne Allard provided an update on the recently introduced SB-503. This piece of legislation included a variety of different items including a web service verification program. Ruth Kelly stated that the Connecticut DMV has voiced their concern in reference to their existing database program being somewhat inadequate. The main concern is that the program does not go far enough to target repeat offenders. Loren McGlade stated that the CT DMV is considering pursuing the IICMVA Web Service model as a way to monitor their repeat offenders. CNA, AIG and The Hartford have volunteered to pilot a web service program with the state. An updated list of Task Force members is as follows: Loren McGlade (AIG) Chair Ruth Kelly (The Hartford) Marianne Allard (St. Paul The Travelers) Virginia Boyles (ACE-INA) Patricia Barkdoll (CNA) Dave Snyder (AIA) Nevada George Cooper stated that the letter that outlined the industrys concern to the Nevada DMV did not achieve its objective -- to steer the DMV to make the necessary changes as to eliminate the existing flaws in their process. Instead, the DMV appeared to have diverted their concerns away from the issues at hand. As such, George recommended that we try to focus our attention on the security aspect of the existing technology, claiming that the DMV may be more willing to work with us if they dont feel overwhelmed with numerous requests. George told the group that several vendors have approached the DMV with their respective solutions, and that the DMV appears to be willing to listen. An updated list of Task Force members is as follows: George Cooper (State Farm) Chair Annette Ali (Progressive) Marianne Allard (St. Paul Travelers) Paul Deforge (USAA) Alex Hageli (PCI) Kathleen Maguire (State Farm) Gena Miller (Progressive) Bar Coded ID Card Cathy Vollmer stated that this task force will be drafting a white paper to outline an IICMVA standard. The premise is that this white paper will not necessarily be used as a means to suggest that states should implement bar-coded ID cards, but rather, to recognize the industrys viewpoint on this topic. Doug Traeger stated that the cost for companies to introduce bar-coded ID cards can be significant. Doug went on to say that the PDF417 format may require some additional effort to implement. Dino Losacco suggested that the white paper needs to address the need for states to confirm that the information contained in the bar-code truly reflects that of the vehicle in question. This will be necessary in order to prevent fraud. An updated list of Task Force members is as follows: Julie Nelson (Farmers) Chair Cathy Vollmer (Farmers) Marianne Allard (St. Paul Travelers) Ginny Boyles (ACE-INA) George Cooper (State Farm) Doug Traeger (USAA) IICMVA Web Services Brochure The concept of this brochure has been broadly embraced by members as it helps convey the message of the IICMVA Web Service much more so than a model guide and/or white paper. Marianne Allard has been working with the IICMVA technical representatives to address the content of the IICMVA Web Services brochure. She stated that the newly adopted OLV methodology will be included in the brochure. The Hartford has offered to cover the cost of printing these brochures. Both the brochure and a PDF version will be available for publishing within 8 - 10 weeks. An updated list of Task Force members is as follows: Marianne Allard (St Paul (Travelers) Chair George Cooper (State Farm) Ruth Kelly (The Hartford) IICMVA Website Redesign Keith Hering proposed that the following productivity tools be incorporated into our website: A document sharing technology similar to GOOGLE Documents. Wiki Technology A powerful and simple way to update and power community websites. It enables authorized users to update websites with little to no knowledge of web development. This tool could be useful in that it would enable the board members to directly update the IICMVA website. Addition of an online meeting registration page. This would provide much benefit by way of making available an ongoing, updated list of registered attendees. The board approved up to $4,000 in expenditures for web development, vendor services. An updated list of Task Force members is as follows: Keith Hering (USAA) Chair George Cooper (State Farm) Ross Hoffner (GEICO) Dino Losacco (Allstate)       PAGE 4  Loren McGlade Chair Doug Traeger Vice Chair  Dino Losacco Secretary Jerry Clark Treasurer(619) 447-7080(210) 913-4499(847) 667-1749(513) 870-2567FAX (619) 447-7082FAX (210) 456-5205FAX (847) 667-9311FAX (513) 870-2094   Please address correspondence to the Chair - c/o Loren McGlade, 4615 Weston Road, La Mesa, CA 91941-6927  The text of the IICMVA Preamble is as follows: (To be recited at all IICMVA meetings.) As members of the Insurance Industry Committee on Motor Vehicle Administration (IICMVA) or participants in this meeting, we need to be mindful of the constraints of the antitrust laws. There shall be no discussions of agreements or concerted actions that may restrain competition, such as price fixing, boycotts, refusals to deal or allocations of markets. 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