Cornelius J. McIver
[My address]

Re: [File numbers, policy numbers and dates]

Dear Cornelius J. McIver:

As you requested, the Insurance Department has reviewed the nonrenewal of your automobile policy under the Act of June 17, 1998 (P.L. 464, No. 68), commonly referred to as "Act 68." Act 68, Sections 2001 - 2013, governs insurance company terminations of private-passenger automobile insurance policies.

Act 68 permits an insurance company to nonrenew your policy for a variety of reasons, including two or more accidents under the policy during the past three years, if total damage payments exceed $850, regardless of who was at fault in the accidents. Insurance companies may rely upon certain types of accidents in terminating a policy; these accidents are described in the attached document.

During our review of your nonrenewal, we determined that [your insurance company] requested you provide them with your Pennsylvania Driver's License number. To date, they have not received it. Since they cannot properly rate or underwrite your policy because of your lack of cooperation and they are not willing to renew the policy. Nor can we force them to reconsider their decision. You may need to get the problem cleared -up with the Pa. Dept. of Transportation.

Our investigation has detremined teh company met the requirements of Act 68, and the Insurance Department, therefore, finds your policy may be nonrenewed.

Please note that your automobile insurance coverage will terminate on the date identified in your nonrenewal notice or thirty (30) days from the date of this Investigative Report, whichever is later. Therefore, you are encouraged to secure alternative coverage by the termination date because Pennsylvania's Motor Vehicle Financial Responsibility Law requires you to have insurance on any motor vehicle registered in the Commonwealth.

If you which to dispute this determination, you may request a formal admisistrative hearing within ten (10) days of the date you receive this Investigative Report. You must submit a statement detailing the reason(s) you disagree with this determination. Your statement must include: 1) the date you received this Investigative Report; 2) the reason(s) you believe this determination is in error; 3) the reason(s) you believe the insurer violated Act 68; and 4) a copy of any supporting documents. Please be advised that coverage will not continue during any review period.

The Insurance Department must receive your statement no later than ten (10) days following the date you receive this Investigative Report. Unless established otherwise, the Department will presume you received this Investigative Report within five (5) days from the date of mailing, indicated below. If you do not submit a timely request, your request for a hearing will be subject to dismissal.

Please note that your attendance will be required in Harrisburg at the time and date scheduled for the hearing. If you fail to attend the hearing, your request for a hearing will be subject to dismissal.

If you have any questions, do not hesitate to contacet me at the address or fax number above.

Sincerely yours,

[signed]

[Some guy]
Consumer Service Investigator

Cc: [My insurance company]

Notes: Both of the grammarical errors in paragragh 3 are copied verbatim from the letter. This looks like a canned letter, otherwise.

I mailed certified my request for them to review on Monday, June 7th. It was received on June 8th, and I got this report back on June 11th. I've never seen a bureacracy move so fast. I don't think I got much in the way of special attention, of course, but at least this administrator seemed to take note of my objection to the accusation of being in violation of the law, as he reassessed my offense from "violation of Pennsylvania law' to a supposed "lack of cooperation" which is much better, but equally untrue. I've cooperated with my insurance company to the fullest of my ability.

The biggest problem is I did not receive a copy of this "Act 68", nor did I receive the document referred to in paragraph 2. Obviously I cannot make an appeal pursuant to paragraph 6 unless I have a copy of Act 68, so I've got to get them to send that to me, or investigate that myself. Also, Act 68 is only about a year old, so I'm curious as to it's contents.

All information presented here is done so under the protection of the First, Fourth, Ninth, and Tenth Amendment of the United States Constitution, and article I section 2 of the Constitution of the Commonwealth of Pennsylvania. Furthermore, as established in the famous trial of William Penn in August 1670, and contrary to the unlawful instructions given by most American judges, in addition to judging the facts of a case, juries also have the right and duty to pass judgement on the law (meaning they may acquit a violator of the law if they believe the law in question is unconstitutional, immoral, just plain stupid, or if the penalty is deemed too harsh). Juries are also lawfully free to vote according to their conscience, above all other considerations.