Amy Bach and others with United Policyholders provide a longtime and steadfast consumer protection organization devoted solely to the interests of policyholders. With extensive experience and appreciation of how much legislation can impact insurance coverage and claims, Bach provides a unique perspective with expertise on a national level concerning insurance policy and insurance regulation. Policyholders need more Amy Bachs to counteract the extraordinary coordinated efforts by insurers to make laws and regulations one sided in the insurers favor.

In a letter to Mississippi Insurance Commissioner Chaney, Amy Bach calls on him to support policyholders in Mississippi with regulations demanding that insurers sell and service the insurance product so that full and prompt indemnity is accomplished. Here is what she calling on Chaney to do:

I’m writing to encourage you to lend your support to a legislative measure that passed out of the Mississippi House of Representatives earlier this week. My understanding is that the bill has been amended to address concerns you raised to the sponsor. The bill will strengthen legal protections for insured property owners in your state, and we hope your office will help get it enacted. You know all too well about the problems people have experienced in getting paid on their hurricane damage claims due to confusing legalese in property policies and unanticipated exclusions.

I am certain many may think these efforts are a waste of time because the insurance lobby in Mississippi seems to be in control of the political process. Standing up for the right principle and social policy is always the right thing to do. Like water in a stream relentlessly influencing the earth, just social policy reflected in law will eventually happen. But this will occur only so long as we stand up to those with more significant wealth or power that are attempting to keep the unjust status quo in place.

My hat is off to everybody who stands with Amy Bach and does something, however seemingly slight or unimportant, to help even the playing field for policyholders. In the long run, these efforts will prevail and be reflected in rules for accountability for the greater benefit of all.

  • shirley heflin

    well, you know what they say, behind every great man is a woman (usually) and behind every great movement is usually a woman (i.e., Amy Bach) !!! :)

    Personally, I’ve always been a steadfast and firm believer that “standing up,” “voicing opinions,” writing/faxing letters, etc., on behalf of the “little people,” etc., usually renders ” AND JUSTICE FOR ALL…” – NOT JUST FOR THE RICH AND/OR THE GREEDY CORPORATE COMGLOMERATES


  • So much for all the cooking I had planned for today. This post was so thought provoking that my intended comment turned into a post of my own.

    We desire the same end but think differently about how to get there.

  • Chip Merlin


    I could argue with you, but why should I?

    Women are the backbone of all greatness.

  • Chip Merlin


    I am humbled that such a deep and creative thinker such as you would call my rhetoric “thought provoking.”

    I am tempered in what I can say publicly because I have certain ethical constraints as an attorney. I also have clients that I should always place first in interest.

    And, if we all were going to the same place but driving the same color and style of car, wouldn’t the trip be quite a bit boring?

    I enjoy our differences in rhetoric and subtance. It helps us gain a larger and more diverse crowd for the party.

  • If only there were a day of absolution when the tempered were forgiven for their lack of restraint, but there is not and many of us, myself included, have a need to temper our public remarks.

    Nonetheless, if our differences grow the party, I passed more “food for thought” in my response to your comments on SLABBED.

    I’ve begun to see both the practice of law and the process of making law somewhat like a dance. Either you move with your partner or you trip over your own feet. I suppose that’s what make both at times seem matters of “social” policy – particularly to those who understand, “you dance with the one that brung you”.

  • United Policyholders is a fantastic organization which we (Tutwiler & Associates) will continue to support for as long as they continue to keep the consumer/policyholder’s best interests in mind in the ever changing world of big insurance.
    Keep up the great work Amy!