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Right from the press, this episode of the Deep Dive takes on a headline grabbing New York debate: auto insurance reform.

A recent press release from Citizens for Affordable Rates points to overwhelming public support—citing Beacon Research data showing that 86% of voters, across party lines and regions of the state, favor Governor Hochul’s proposal to reduce car insurance premiums. With rates continuing to climb, many New Yorkers say the system feels unsustainable—and they’re demanding legislative action.

But beneath the polling numbers lies a more complicated question.
What’s truly driving skyrocketing premiums? Is it corporate pricing? Regulatory structure? Or the ongoing impact of insurance fraud, staged accidents, inflated medical billing, and litigation abuse that honest drivers ultimately pay for?

On this episode, we break down the data, the politics, and the real economic forces at play. We examine how fraud distorts the marketplace, why public perception matters, and whether proposed reforms address root causes—or just symptoms.  Because when 86% of voters agree on something, it’s worth digging deeper.

Let's Dive In, follow the facts, expose the schemes, and separate reform from rhetoric.

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