Drivers are rightly concerned by the rising cost of auto insurance. Big premium increases like those of the last year or two hurt people’s pocketbooks and divert their money from things that are more important to them. That damages their standard of living. So, car insurance today is an issue fraught with emotion. But emotion is never the best basis on which to settle complex public policy issues, especially when the costs of an ill-considered and hasty decision are likely to be with us for a very long time to come. In a submission to the New Brunswick Government Select Committee on Public Automobile Insurance, November 14th 2003, AIMS’ President Brian Lee Crowley argues that residents of New Brunswick should be wary of the illusion that bureaucrats would be able to deliver the same range of insurance services more efficiently than private insurers operating in the competitive marketplace.  Read the entire text of this submission.