we have two more speakers, bill martin of farmers insurance, and joan claybrook. >> good afternoon. i am bill martin with farmers insurance group. hopefully you'll stay for my talk in spite of that. [laughter] it is a very rare person who has not been touched by this public health issue, but even those of us who have not been directly involved might take a moment right now to think about the risk to our lives. we all understand risk. many of us buy insurance to protect us from those risks. insurance companies can never fully protect from the emotional traumaof an auto accident. farmers insurance and the other members of the advocates board, the other insurance company members, believe that passing effective laws will do our policyholders a favor we cannot do them. i think they would much rather avoid the accident then have us pay for. they would much rather have that date bacy back. without assertive legislative actions, the type of action you see in the 2009 s stand up act, we will all be disposed even more unnecessary risks. i ask you to take a moment and take a little journey wit

martin of farmers insurance, and joan claybrook. >> good afternoon. i am bill martin with farmers insurance group. hopefully you'll stay for my talk in spite of that. [laughter] it is a very rare person who has not been touched by this public health issue, but even those of us who have not been directly involved might take a moment right now to think about the risk to our lives. we all understand risk. many of us buy insurance to protect us from those risks. insurance companies can never fully protect from the emotional traumaof an auto acc never protect whoof from the emotional trauma of an auto accident, and so farmers insurance and the other members of the advocates, the other insurance company members believe that passing effective laws will do the work policyholders a favor we cannot do to them. i think they would much rather avoid the accident than have us pay for it. they would much rather have that day back before the trauma. before a legislative action to prevent people from risking the lives of responsible people, the type of action you see

we have two more speakers, bill martin of farmers insurance, and joan claybrook. >> good afternoon. i am bill martin with farmers insurance group. hopefully you'll stay for my talk in spite of that. [laughter] it is a very rare person who has not been touched by this public health issue, but even those of us who have not been directly involved might take a moment right now to think about the risk to our lives. we all understand risk. many of us buy insurance to protect us from those risks. insurance companies can never fully protect from the emotional traumaof an auto accident. farmers insurance and the other members of the advocates board, the other insurance company members, believe that passing effective laws will do our policyholders a favor we cannot do them. i think they would much rather avoid the accident then have us pay for. they would much rather have that date bacy back. without assertive legislative actions, the type of action you see in the 2009 s stand up act, we will all be disposed even more unnecessary risks. i ask you to take a moment and take a little journey wit

pleased be joined by bill martin and former administrator and public citizen president emeritus joan claybrook but shares of advocates for highway and auto safety on our board of directors and then we will complete the speaker a lineup with congressman chris van hollen of maryland who is one of the lead sponsors of the safety net modest driver uniform protection act also known as the stand-up act to get we are going to close by taking questions from reporters who are here and from some of those watching on the webcast. before introducing a hour first speaker i just want to point out that we have made changes to this year's wrote that report by adding new laws that are part of the scorecard and by putting aside a few older always to the echols that has been dealt with by the states. these are designed to keep the core legislative agenda fresh and on the cutting edge of the essential laws the deserve the most attention by a were