H.B. 336 Recovery Operations Amendments: transcript

with Representative Christofferson HB 3 36 Recovery Operations Amendments. And again, there's a sub, a first sub. Yeah. So I'll be, uh, talking to the first sub. Uh, we talked about this a little bit in the interim. This is, uh, regarding recovery operations, and, uh, also I just wanna introduce Jesse Staffer, who is with me here, who is, uh, uh, does some of these recovery operations. So if you have any tough questions, he'll be here to answer 'em. And, and maybe I'll let him explain some of this. But, uh, I'm gonna plug in here and just kind of show you what this, what this is. Um, some people think it, it's towing, but we've put in the bill the, the definitions of what towing is and what recovery operations are. And, and this is, um, they do, they do tow this, but it's a lot, uh, a lot more equipment is involved, different types of equipment. And when, when the highway patrol or the police has a situation like this, they'll call into the dispatch and say, we want someone that can do recovery operation. And so the bill just says, uh, there needs to, you know, those people who they call, they need to be able to say if they can do the recovery operations or not. So this is a picture of a recovery where it takes specialized equipment, uh, a lot more heavy duty stuff where they, uh, they clear the road. And then sometimes I'm just gonna kind of go through some of these pictures. Um, sometimes they're in a ditch or they're tipped over, and sometimes there's a lot of, uh, uh, cargo that's spread out, so spread down the road. There's another one right here. You can see a bunch of onions, free onions if you'd like to get those. Um, but, uh, so that's more than just coming by and hooking up like a tow truck does and hauling off. There's a lot of, uh, and free turkeys here too, so, um, but there's, uh, a big mess. And some, often it ties up the whole road. Um, there's a load of hay, uh, and it takes quite a bit of work to get these off. Sometimes it takes half a day to clear this and, and it backs up the traffic. So when these, when these people are called, so I'll, I'll just pull that off. So when they're called, uh, they just get in the rotation, the highway patrol or the police, uh, will just say, call the next one on rotation. And then they come out and they go to work and they, they have to do it. So there's no like bargaining, like, do you have insurance? Uh, if you don't have insurance, I wanna get paid up front. There's none of that. They just get in there and clear the road. Well, what's happened is, uh, sometimes up to 30% of these, of this work is not paid for. Uh, and, and to stay in business, they just charge more for the other customers, you know, so, uh, it's just, so when I heard 30%, that's a lot. And it's, uh, and so we, uh, we talked to several people. We've been working with some of the insurance, uh, uh, companies and, and the trucking. And I, I don't know that they're, I think, you know, sometimes when you negotiate these, nobody's happy. I mean, you get, uh, you get to a conclusion where you say, this is good. This is gonna solve some of the problem, but it's not gonna, this solution's not gonna pay for all of these bills. And, and not everybody's happy. But I think it's a step towards helping that. And what we've done is just said those people, and most of this are commercial vehicles. So we just said those who have commercial vehicles in Utah, uh, need to have a rider for, uh, an insurance rider for recovery, which covers, um, removing the vehicles and the cargo. It doesn't cover anything on storage. So there's still, uh, some, uh, concerns there, but, uh, we just feel like this is a step in the right direction. Um, I'm just seeing if I covered the highlights here. Uh, is there anything that you'd like to add, Jesse?

Um, yeah. Just say your name again. And I'm Jesse Staffer. I'm a regional director at Stauffers Road Solutions. And as, uh, chair Representative Christofferson mentioned, um, we are on call 24 7, 365 days a year to respond to these accidents within 40 minutes. Um, and it's very disheartening to go out, do our best, open up the road for the state of Utah, get traffic flowing again, to then have it back at our yard. And we did all of it for free at some point. We can't continue to do that, and the road might have to stay, uh, blocked for longer. Um, some other things that the bill mentions in here that Representative Christofferson, uh, was presenting was, uh, the rider for the insurance companies that they'd be able to sell, um, would be a minimum of $40,000 for that rider, um, that the commercial companies would, would elect. Um, this gives us a lot of protections for the recovery operators to cover our costs. Um, in no way are we saying that, you know, they have to pay our bill without any sort of negotiation or recourse in here. We also put, if they do have a problem with the bill, uh, with our invoice, that, uh, they just have to pay up to 75% or 40,000, whichever is less, and then post a bond for the remaining. Um, and then we can go to an arbitrator and we can negotiate, uh, the invoice with, with them. Um, we fully support this. This would be, uh, an industry changer for us. Um, the state of Utah has always been a leader in, um, lots of things, and I believe that this would be us leading the country, um, and protecting, uh, those in my industry. Okay. I think that covers it mostly.

Thank you, Mr. Chair. Mike San Sontag. I represent the American Property and Casualty Insurance Association. Um, we'd like to thank the sponsor. Uh, we've had a lot of discussions over the last couple of days trying to come to a middle ground and nobody's happy. I'm not, I'm not smiling because I'm not happy as we work through this, uh, verif. So we do need to work through the language, make sure it does only affect the commercial world, because we don't want to go into the liability portion of the whole prop, uh, passenger vehicle world. And then the ability to dispute the towing charges is also very important. And so, and we're gonna work through the language that is in the bill to see if that's fair, if that works out. Because a lot of times when you put a limit, the limit becomes the floor and all the bills come in over, and then they're all $40,000 cleanups. But if we have the ability to dispute the charges with an arbiter, then uh, the bill should come in more, uh, more fairly, and, and we should be able to work through that. So we're working through those, uh, issues with the sponsor and we appreciate his work.

Thank you, Mr. Chair. I'm Rick Clasby, the Executive Director of Utah Trucking Association. We appreciate very much the sponsor. We've worked with sponsor and stakeholders throughout the summer. We recognize that not getting paid for work is a problem, and, and we, uh, we support the, uh, ability to ensure that that doesn't happen. We also appreciate the effort in the last week or so to, to cap the amount that we would, uh, have to pay, uh, and, and discuss the 75%. So, uh, at this point, uh, we know that there's a few modifications that need to be made, but, uh, we, we support this bill. Thank You. Thank you.

Yes. I'd like to move first sub house bill 3 36.

Yeah. Thank you. Just a couple of clarifications. Uh, the, the sub did clarify that commercial vehicles were the only ones that were involved. So it didn't, uh, go to all of the private vehicles and or the, uh, the, just the regular vehicles, I guess. And then the dispute, the, the charges that are disputed, uh, uh, there is a function that we put in the sub to go through and be able to dispute those. So, I mean, if there are some other things we need to tweak, we'll look at that, but those two big issues should be handled in the sub.

I move that we favorably recommend House Bill 3 36 Recovery Operations Amendments.

Would you like to speak to that motion? Yeah. Thank you. We heard this over the interim. We've been having conversations about this for over a year now. I wanna tell the sponsor thank you for working with stakeholders, and I think he's brought a really good bill forward. Thank you.

Thank you. Appreciate that. Um, I'm gonna plug in here if it's okay to show a picture or two. So this bill deals with, uh, recovery operations and it, it, uh, Oh, that's fun. Plug In again, it come up anyway, while that's coming up. Uh oh. There we go. So, recovery operations is a little bit different than towing operations. So if there's a, a wreck on the, uh, road, uh, sometimes it's more than a towing truck can just, uh, handle. And so I'm gonna show some of these. Uh, there we go. Okay. These are some pictures of some typical recovery operations. Uh, they're, it's, it's where not only is it just a simple crash, but it's where maybe the equipment is overturned. There's a lot of, uh, uh, debris with it. You can see that, uh, sometimes they have to pull 'em out of a ditch or off of a hillside. Uh, sometimes there's a lot of cargo with it. See a load of onions here that they've gotta clean up. Uh, and, and it gets to be pretty messy. Sometimes it damages udot, uh, infrastructure. And, uh, these, these in instant incidents, I'll just pull that off. That's a little bit hard to see there. These ins, incidents, uh, cause a lot of, uh, uh, delays as well. 'cause they'll block off the, the whole road. And, uh, sometimes they take hours and hours to, to clear up. And so what happens when this hap uh, the, um, the process when this happens is the highway patrol or the police department will call dispatch and they'll say, uh, I've gotta have somebody that can do a recovery. Uh, not just, not just, uh, towing, but a recovery. And it takes special equipment. Um, um, and, and those people in that, that answer that call, you know, they just come out, they're on the rotation list, they come out and they don't say, well, can I check the insurance of this vehicle first? Can I make sure that I'm gonna get paid? Uh, they just come out and, uh, do the operation and then, and then hopefully get paid after that. But what we're finding is about a third of the people don't, uh, insurance companies don't pay, or they, uh, those who, uh, own the vehicles don't pay. Some are self-insured and most of those that are self-insured, uh, do a good job with this. But what this bill does is just say, um, those who are operating need to carry enough insurance, uh, to cover this. And so if they have liability insurance, then they, and the amendment changes the name from a rider to an endorsement. Um, but, uh, they need to have an endorsement that covers a minimum amount of $40,000. Uh, the, the bill provides for, uh, dispute resolution. If there's, um, concern with the billing or whatever, there's a process to do that. And then if there's overbilling and, and, uh, and these recovery operators are overcharging above the rates that are written, then, then their invoices void. And the last thing it does is just say at the dispatch level, you know, these, uh, recovery entities need to make sure that if they call for recovery, that they're capable and have the, uh, qualifications necessary. And so, uh, I'm just gonna let, uh, Jesse Staffer who's with me, uh, just explain a little bit, uh, the concern that he's had in, uh, in getting paid on this. Thank you. Very welcome.

Thank you Chair and committee. Appreciate your time. Uh, we also want to thank sponsor House Representative Christofferson for his time and all of his hard work on this. Uh, it means a lot to us that, uh, we're

I'm Jesse Stauffer with, uh, Stauffers Road Solutions. Uh, my father, Curtis Stauffer is back there. Um, my grandfather started Stauffers in 1954 in Ogden. So born and raised in the, in the recovery industry. Um, we, we specialize in heavy duty recovery. So when you hear in the news of a semi that is rolled over blocking traffic, it's a pretty good chance that, uh, one of us are, are there cleaning up that, that semi that scene. Um, all hours of the day, 24 7, 365, we get out of bed, we go in two feet of snow and we, we do these recoveries. Um, Yeah, if, what is that? Uh, sometimes on highway six, uh, up at the top at Soldier Summit, it can, it can snow up there. Um, what's happening is, uh, we're going, we're doing these recoveries, and it's happened over the last, uh, decade or so that it's progressively getting a little bit worse and our costs are getting a little bit tighter. Um, as everybody knows within the trucking industry, um, insurance costs are going up. Same for us. We have to ensure our, um, heavy duty recovery units the same as the trucks do. Um, and it's just getting to a point now where when we go out and we respond, we can't keep up doing these recoveries without some form of compensation for doing them. Um, we would like to mention that the trucking association and insurance, we've worked, uh, with them getting their opinions on this, um, trucking association is in favor of, of what it is that we're, we're trying to do. They, they don't want to have a black eye on their industry as well of like, the trucks are coming through and they're rolling over and, and not, um, having the correct coverage. Um, and so what this bill does is it just, um, it makes it to where when we go out and we do these recoveries, um, after the fact that there's an endorsement that pays us, uh, just like the environmental, the guardrails, the signs, the road, all of those get repaired. Uh, the one party that is, is going out and working that's not getting compensated, um, is the recovery operators. So, uh, we appreciate your time.

Now this covers Utah registered carriers. Yes. Doesn't help you a lot. You're right. And the voice of reality, actually, actually there's some effort, uh, going on nationally to say this should be a national effort, but all we can do is kinda lead the way and do what we can do. Good Start.

Just changes, right? Or two endorsement? Yes. I make a motion that we move amendment number one, which changes reer to endorsement

Yeah. Thank you. That just corrects the terminology.

Thank you, Mr. Chair. Mike Sontag with A-P-C-I-A, um, been my business. Sorry. Um, so, so what, uh, Some of the understanding that we have in this bill is that it applies to commercial vehicles only and it requires the commercial vehicles only that have only a liability policy to buy an endorsement to cover that tow. Um, so that was part of the negotiations that we got to, and that endorsement is 40,000. Um, the applies to police non-consent toes in, in this law where the police officers call the people twenty four seven out into two feet of snow. Um, this bill also clarifies that the power train policy is primary. So when you've got a cargo policy out there making, you know, with the cargo all over, there's coverage there, but sometimes the insurance companies fight over who's actually responsible. So the bill clarifies that the powertrain is primary, and we hope that's a good idea. Um, then in the dispute resolution of the towing charges, this bill requires that the insurance companies post a bond. And one of the things that does, and that is again, only if there's a dispute, but it also, if we can get the vehicle out, it stops the accumulation of storage charges, which can be quite extensive, and then we can come to a resolution. It also requires a partial payment up front to the towing company and the balance with the bond. And then the caveat there is some tows have some pretty large bills. And so the state has, uh, allowable charges on these for hours and, and what they're doing. And if the bill comes in with higher charges in the state allowable charges, then we are now not subject to the bond requirements of the dispute resolution. So I think that's, uh, a pretty good place to land. Um, Senator Ipson pointed out that unfortunately, we can only affect policies written in the state. And so, and that turns out to be quite a small percentage maybe. So even getting information has been a little bit tough on solving this. So thank you, chair. Thank you.

Uh, thank, thank you Mr. Chair and committee members. My name is Dave Callis, representing the National Association of Mutual Insurance Companies. Uh, first want to thank Representative Christofferson. He's probably met with us more than he wanted to, and, uh, took a lot of input and he, he's worked hard to accommodate, um, our concerns and issues we've brought up. So I appreciate that and appreciate working with him. Um, our members are, they're, they just have a concern about their ability to comply right now. This is kind of a unique thing that they're saying that we're only seeing this in Utah for some reason in the other 49 states, they haven't had this arise. And so, um, they're, that, that's kind of the concern they've brought up. They're, it's been really hard to get information, pricing, things like that, to figure out how they'll do this moving forward. Typically, you, when you buy a policy, you buy, um, you can buy a, a liability only, and that's covering damage to other people and other property, but it's not covering damage to your own vehicle. And so those policies, you're on the hook for your own recovery. Uh, those that by full coverage do cover their own vehicle and, and whatever that limit is, covers recovery. The problem is that you might have, you know, it might be you're stuck in the snow and then your policy limit, that's probably sufficient to cover a recovery. But if it's a pile up with multiple fatalities, you're probably going to go through that whole policy limit. And so what this is saying is, well, you have to have an additional rider to ensure that the recovery operator gets paid. There are others in the lineup that don't have this, you know, there's not a rider or a endorsement for an ambulance. There's not, you know, so, so this is kind of pulling one category out and saying, we're gonna guarantee that this group gets paid. And so that's where our folks are saying this is different. We haven't dealt with this in the other 49 states. There's, there's one thing that they've seen. There's only one that they could find that was similar, that was in Maine, that was a $500 endorsement compared to this, which is a $40,000 endorsement. Um, I do, we do appreciate Representative Christofferson putting a delayed effective date on this, and this will give us some time to figure it out and if we need to, to come back and try and, um, make any corrections if there are any that need to be made. But I just wanted to share those comments with you, and thank you for your time.

Thank you, Mr. Chair. Uh, I do want to let this committee know that we appreciate very much the, uh, stakeholders and,

Oh, thank you. Association. Yeah. Rick Ksby, executive Director, Utah Trucking Association. Uh, and, and again, we appreciate the stakeholders working with us. We've been working on this, uh, through the summer and, and through of course, this session. Um, we, we and our, our leadership are sensitive to those situations where recovery is not being paid. Um, and, and we feel supportive of wanting to make sure that that happens. No, none of us want to go and do work without payment. Um, we appreciate very much, uh, the concessions and the, and the back and forth, uh, that protects those who have full coverage and those who, uh, might be self-insured or, uh, belong to a captive with property damage that already covers this. So, so we appreciate very much the, uh, the sensitivity to those who are doing it right and already have those in place. Um, I a little sarcastic, I'm not sure. I appreciate Representative Christofferson showing all those pictures, uh, that makes, that makes our job a little rougher. So if he could keep that to a minimum, I would appreciate it. But, uh, but we do appreciate, uh, Representative Christofferson and his work on this and, and watching out for our best interest. Uh, best he can. Thank you.

Yeah, I appreciate the testimonies. Um, I think that this is an issue that, this is a good start, but we got a long ways to go because I know in a former life and having be been responsible for emergency services, when we would send out a volunteer fire department for, for a Jaws of life or something, mo on the highways, we found that they were not getting paid. And the cost to prosecute or to try to chase down the insurers, yeah, you have automobile insurance, but it doesn't cover this or that. And so I know for the small rural, uh, counties that have to, to absorb this, this is a start. So I'm saying we need to, to look into it further down the industry. I mean, my homeowner's policy, okay, it covers everything, but I had Ophir and I had a piece of equipment burn up. Oh, it wasn't covered. So I have to specify it. And I think it's, it, it, it's not great that we have to go through and make writers for everything, assuming we're paying for a policy that we're covered for. So for those that say, well, we shouldn't have to do that, I guess we have to spell it out for you. And so thank you representative for, for your efforts on this, because I think that it's a start and we can't control out-of-state trucks, but if they're gonna do business, I mean, when I license it in another state, I know what the regulations are there. If we require that, then I think eventually we're gonna get there.

Thank you, Mr. Chair. I make a motion that House Bill 3 36 second substitute as amended passed this committee to the full floor of this Senate with favorable recommendation.

Yeah, thanks. I just, I just want to, uh, emphasize the point that Mr. Callas made that we do have a year and a half of time to work through this, if there are issues with the insurance companies that give them time to work it through.

Yeah. Thank you, Mr. Speaker. I move to circle that motion is in order. We'd like to speak to it, waiting for a sub.

Uh, I'd like to move the second sub.

Yes, please. Um, so this is kind of the response to some insurance companies on, uh, commercial, um, trucks and to, and commercial vehicles on the road. Uh, what we've done is if there's a, an accident where those, uh, trucks tip over, there's usually a recovery, uh, operation. And for a, and what this does is, uh, it just says that the recovery rider applies to the power unit and it also corrects, uh, some, um, some drafting, uh, error on the, uh, on the amount of the minimum amount of, uh, coverage. It also clarifies that, um, if the, you know, the writer applies to liability insurance, but it also, if you have full coverage, uh, you need to make sure you've got at least $40,000 of coverage for that recovery operation. And it, uh, it adds some language about arbitration. Thanks.

Thank you, Mr. Speaker. Will the sponsor yield to a friendly question? Representative Christofferson, will you yield to a friendly question?

I sure will. Yes. Representative Thurston.

So does this substitute make it, uh, more comfortable for the insurance carriers who are nervous about this whole operations bill?

Uh, they helped me with some of the language here. I hope it makes them more comfortable.

Okay, great. Thank you Mr. Speaker.

Okay, thank you. So, um, for those of you who don't know, what a recovery operation is, is when a, when a large vehicle, uh, gets in an accident on the freeway or a highway or something, it spills its load, it's all over the road, and it can't be just picked up with a regular tow truck. They call it a recovery operation. And, uh, they're responsible to tip this up out of the ditch or in the water or, uh, over the guardrail. And they, uh, haul it off. About 30% of those fees aren't paid or the 30% of the bill isn't paid. So these guys are called out by High Highway Patrol. They come and take care of the situation. They don't know anything about the accident as far as the, uh, insurance coverage, whatever, they're just responsible to cover up. And a lot of these, uh, o operations aren't getting, uh, covered. So this bill just says that, uh, commercial carriers need to have, um, a rider, uh, for recovery and, uh, and, and make sure that full coverage covers that. There's language in here that deals with, uh, if there's a dispute on the amount that's billed, how to handle that. And then there's some definition changes. So with that, uh, hopefully, uh, we can take care of those, uh, people who clean up our highways. Thank you, Mr. Speaker.

I will, yes. Representative

Uh, yeah, right, right now, you're right. That's, we can't, uh, do anything about out-of-state vehicles. I think there is an effort right now to, uh, federally make it so that, uh, everyone carries these riders to cover those kind of damages, just like you would if you ran into a, a guardrail or, uh, signs, you know, they're required to cover those damages. So we wanna make it the same in the state and we want the federal government to do the same thing. So that's being worked on,

Thank you. Uh, just kind of, uh, review that, you know, we need to do what we can here. These people do a big, uh, a big service on our streets and we can't solve all the problems, what we can solve the in-state problems. And, uh, we're working on the out-of-state problems. Uh, this will go a long ways to, uh, making it right for those who, uh, go out on a minute's notice in any kinda weather at night, and they clean up these roads. And, uh, so I encourage you to support this bill.

Yes, please. Um, so this is kind of the response to some insurance companies on, uh, commercial, um, trucks and to, and commercial vehicles on the road. Uh, what we've done is if there's a, an accident where those, uh, trucks tip over, there's usually a recovery, uh, operation. And for a, and what this does is, uh, it just says that the recovery rider applies to the power unit and it also corrects, uh, some, um, some drafting, uh, error on the, uh, on the amount of the minimum amount of, uh, coverage. It also clarifies that, um, if the, you know, the writer applies to liability insurance, but it also, if you have full coverage, uh, you need to make sure you've got at least $40,000 of coverage for that recovery operation. And it, uh, it adds some language about arbitration. Thanks.

Thank you, Mr. Speaker. Will the sponsor yield to a friendly question? Representative Christofferson, will you yield to a friendly question?

I sure will. Yes. Representative Thurston.

So does this substitute make it, uh, more comfortable for the insurance carriers who are nervous about this whole operations bill?

Uh, they helped me with some of the language here. I hope it makes them more comfortable.

Okay, great. Thank you Mr. Speaker.

Okay, thank you. So, um, for those of you who don't know, what a recovery operation is, is when a, when a large vehicle, uh, gets in an accident on the freeway or a highway or something, it spills its load, it's all over the road, and it can't be just picked up with a regular tow truck. They call it a recovery operation. And, uh, they're responsible to tip this up out of the ditch or in the water or, uh, over the guardrail. And they, uh, haul it off. About 30% of those fees aren't paid or the 30% of the bill isn't paid. So these guys are called out by High Highway Patrol. They come and take care of the situation. They don't know anything about the accident as far as the, uh, insurance coverage, whatever, they're just responsible to cover up. And a lot of these, uh, o operations aren't getting, uh, covered. So this bill just says that, uh, commercial carriers need to have, um, a rider, uh, for recovery and, uh, and, and make sure that full coverage covers that. There's language in here that deals with, uh, if there's a dispute on the amount that's billed, how to handle that. And then there's some definition changes. So with that, uh, hopefully, uh, we can take care of those, uh, people who clean up our highways. Thank you, Mr. Speaker.

Er, Yeah. Thank you Mr. Speaker. I just had a question for the sponsor. If he will yield Representative Christofferson, will you yield? I will, yes. Representative Thinking about making our, um, drivers get rider on their insurance policies to cover some of these things, I'm, I'm thinking about how we're such a, um, thoroughfare for interstate commerce and I'm wondering about all the other, um, semis and those, um, power trailers. I'm not exactly sure what they're called. Um, not having to have that rider. And so are we putting an unfair advantage to out of state while requiring our in-state, um, semis to have to carry this rider and cover the cost of some of this where, you know, we, I I I don't know if all of the accidents that are happening in our state are happening from in-state semis. And so, um, just wondering what that impact will be for the people in our state.

Uh, yeah, right, right now, you're right. That's, we can't, uh, do anything about out-of-state vehicles. I think there is an effort right now to, uh, federally make it so that, uh, everyone carries these riders to cover those kind of damages, just like you would if you ran into a, a guardrail or, uh, signs, you know, they're required to cover those damages. So we wanna make it the same in the state and we want the federal government to do the same thing. So that's being worked on,

Uh, Mr. Speaker, that makes sense to me to, um, have the federal government do this over the entire industry rather than hamstringing our own industry here in Utah and making our, um, semi drivers carry a higher insurance burden than they would in any other state. Thank you.

Thank you. Uh, just kind of, uh, review that, you know, we need to do what we can here. These people do a big, uh, a big service on our streets and we can't solve all the problems, what we can solve the in-state problems. And, uh, we're working on the out-of-state problems. Uh, this will go a long ways to, uh, making it right for those who, uh, go out on a minute's notice in any kinda weather at night, and they clean up these roads. And, uh, so I encourage you to support this bill.

This bill creates a definition for recovery, operations and rules for insurance coverage of them. It also creates a billing standard and dispute, uh, procedures. It defines cut recovery operations as the removal of a vehicle that is unable to move on its own and cannot be accessed by a normal tow truck. Commercial vehicles that have liability only insurance policy or that do not have a certain amount set aside for recovery must obtain an endorsement for at least $40,000. When a recovery operator sends a bill to the insurance company, the company must pay 75% or $4,000, whichever is less. And if the insurance company disputes the charge, a bond and arbitration process is laid out in the bill. If the recovery operator charges a higher amount than the state, uh, established rate than the bo, um, then the bond would kick in. With that, I'll yield to any questions.

Thank you. I'll waive summation under suspension of the rules. I'll move that Second substitute H uh, house bill 3 36 pass.

Vote. Senator Balderree Lewin Bremer Bus Colmore Escamia Fillmore Grover Harper Aye. Kins Ipson Johnson. Juab Juab McKay Mikel Mil Milner Aye. Musman Owens pitcher Plum Rebe Sandal Stevenson Stratton Vickers Weiler Wilson Winterton.

You Mr. Speaker, I move to Concur with the Senate amendments.

Yeah. It just changes the wording of an insurance writer to an insurance endorsement.