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According to the National Association of Independent Insurers (NAII), several amendments the Nevada Division of Insurance is considering to underwriting and rating regulations would result in huge administrative expenses for insurers and could hurt consumers who find it difficult to afford automobile coverage, forcing some good drivers to unfairly subsidize premiums for higher risk motorists. Dana Bennett, local counsel for NAII, testified before Department of Insurance officials that the proposals would restrict insurer underwriting and rating practices, and impose additional notice requirements on insurers. The three proposals under consideration that NAII opposes include revised rating tiers, coverage for permissible drivers and chargeable accidents.