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A survey of active voters

Texas statewide voter survey March 21-25, 2013

Q1 Direction of things in own part of Texas today Right direction Wrong track Unsure Refused Number of cases Q2 Own, lease or rent current residence Own Lease Rent Other, unsure Refused Number of cases Q3 Cost of own home & auto insurance in Texas these days Too high Much too high Somewhat too high About right Too low Somewhat too low Unsure Refused Number of cases

298 231 71 3 603

49% 38% 12% 1% 100%

496 16 64 23 4 603

82% 3% 11% 4% 1% 100%

373 173 200 210 2 2 17 1 603

62% 29% 33% 35% 0% 0% 3% 0% 100%

Hill Research Consultants

Created on Tuesday April 2, 2013 at 9:21:00 AM, pg C-1

A survey of active voters

Texas statewide voter survey March 21-25, 2013

Q4 Texas' current system of regulation favors powerful insurance companies & their lobbyists over consumers & homeowners Agree Strongly Somewhat Disagree Somewhat Strongly Unsure Refused Number of cases Q5 It is in everyone's best interest to encourage binding arbitration by limiting consumers' access to the courts to resolve complaints against insurance companies Agree Strongly Somewhat Disagree Somewhat Strongly Unsure Refused Number of cases

406 237 169 121 79 42 75 1 603

67% 39% 28% 20% 13% 7% 12% 0% 100%

287 129 158 278 138 140 37 1 603

48% 21% 26% 46% 23% 23% 6% 0% 100%

Hill Research Consultants

Created on Tuesday April 2, 2013 at 9:21:00 AM, pg C-2

A survey of active voters

Texas statewide voter survey March 21-25, 2013

Q6 With higher premiums, larger deductibles & expanded exclusions, it seems like we're paying more & more for home & auto insurance these days while getting less & less in return Agree Strongly Somewhat Disagree Somewhat Strongly Unsure Refused Number of cases Q7 Insurance companies' large profits some years are balanced out by the bad years when they have to pay-out major claims in response to natural disasters Agree Strongly Somewhat Disagree Somewhat Strongly Unsure Refused Number of cases

505 365 140 83 61 22 15 1 603

84% 60% 23% 14% 10% 4% 2% 0% 100%

411 176 235 142 74 68 49 1 603

68% 29% 39% 24% 12% 11% 8% 0% 100%

Hill Research Consultants

Created on Tuesday April 2, 2013 at 9:21:00 AM, pg C-3

A survey of active voters

Texas statewide voter survey March 21-25, 2013

Q8 While no system is perfect, judges & juries in the court system do a better job than bureaucrats in state agencies of holding insurance companies accountable when they treat customers unfairly Agree Strongly Somewhat Disagree Somewhat Strongly Unsure Refused Number of cases Q9 To help consumers make apples-to-apples comparisons & generate price competition, insurance companies should be required to offer the option of a standard, full-coverage policy written in plain language that would be consistent across the industry Agree Strongly Somewhat Disagree Somewhat Strongly Unsure Refused Number of cases

426 225 201 107 77 30 69 2 603

71% 37% 33% 18% 13% 5% 11% 0% 100%

567 446 121 22 12 9 13 1 603

94% 74% 20% 4% 2% 2% 2% 0% 100%

Hill Research Consultants

Created on Tuesday April 2, 2013 at 9:21:00 AM, pg C-4

A survey of active voters

Texas statewide voter survey March 21-25, 2013

Q10 Current state regulations strike a good balance between protecting customers while allowing insurance companies to make reasonable profits in a highly competitive market Agree Strongly Somewhat Disagree Somewhat Strongly Unsure Refused Number of cases Q11 It is unfair that an insurance company you've paid premiums to for years can automatically raise your rates or deductibles simply because you make a claim, & state law ought to prohibit the practice Agree Strongly Somewhat Disagree Somewhat Strongly Unsure Number of cases

337 121 216 202 114 88 63 1 603

56% 20% 36% 33% 19% 15% 11% 0% 100%

480 366 114 114 53 60 9 603

80% 61% 19% 19% 9% 10% 1% 100%

Hill Research Consultants

Created on Tuesday April 2, 2013 at 9:21:00 AM, pg C-5

A survey of active voters

Texas statewide voter survey March 21-25, 2013

Q12 Although the public may not appreciate it, insurance companies say it is difficult to operate at a profit in this economic climate, & the legislature needs to take steps to help industry reduce the cost of fraudulent claims & frivolous lawsuits Agree Strongly Somewhat Disagree Somewhat Strongly Unsure Number of cases Q13 Insurance companies routinely drag out lawsuits as long as possible in the hope that people will simply give up before they are paid what whey are owed Agree Strongly Somewhat Disagree Somewhat Strongly Unsure Refused Number of cases

384 198 186 196 93 103 23 603

64% 33% 31% 32% 15% 17% 4% 100%

470 334 136 86 48 38 47 1 603

78% 55% 23% 14% 8% 6% 8% 0% 100%

Hill Research Consultants

Created on Tuesday April 2, 2013 at 9:21:00 AM, pg C-6

A survey of active voters

Texas statewide voter survey March 21-25, 2013

Q14 Tort reform encourages competition, gives customers more choices, & eventually leads to lower premiums by giving insurance companies the flexibility they need to innovate & respond to the free market Agree Strongly Somewhat Disagree Somewhat Strongly Unsure Refused Number of cases Q15 When insurance companies unfairly deny, delay or underpay legitimate claims, customers should have easier access to the courts & stronger legal remedies that impose stiff financial penalties Agree Strongly Somewhat Disagree Somewhat Strongly Unsure Refused Number of cases

409 196 213 126 64 62 65 4 603

68% 33% 35% 21% 11% 10% 11% 1% 100%

530 370 159 52 40 12 21 0 603

88% 61% 26% 9% 7% 2% 4% 0% 100%

Hill Research Consultants

Created on Tuesday April 2, 2013 at 9:21:00 AM, pg C-7

A survey of active voters

Texas statewide voter survey March 21-25, 2013

Q16 Preferred approach for Texas insurance laws to try to strike a balance between protecting consumers rights while discouraging frivolous complaints Streamline, simplify process for policyholders Strongly Not strongly Shield insurance companies from lawsuits Strongly Not strongly Current approach balances issues fairly well Strongly Somewhat Unsure Refused Number of cases Q17a Impact on vote for State Representative or State Senator if they supported legislation that made it easier for someone to hire an attorney when they believe their insurance company has unfairly denied, delayed or underpaid a legitimate claim More likely to vote for Strongly Not strongly Less likely to vote for Not strongly Strongly Won't affect your vote Unsure Number of cases

293 214 79 92 48 43 161 106 55 56 2 603

49% 35% 13% 15% 8% 7% 27% 18% 9% 9% 0% 100%

228 164 65 29 12 16 22 21 300

76% 55% 22% 10% 4% 5% 7% 7% 100%

Hill Research Consultants

Created on Tuesday April 2, 2013 at 9:21:00 AM, pg C-8

A survey of active voters

Texas statewide voter survey March 21-25, 2013

Q17b Impact on vote for State Representative or State Senator if they supported legislation that made it harder for someone to hire an attorney when they believe their insurance company has unfairly denied, delayed or underpaid a legitimate claim Less likely to vote for Strongly Somewhat More likely to vote for Somewhat Strongly Won't affect your vote Unsure Refused Number of cases Q17a/Q17b Sympathy camp Watchdog camp Strongly Not strongly Industry camp Neither Not ascertained Number of cases

196 146 49 62 25 37 19 25 1 303

65% 48% 16% 21% 8% 12% 6% 8% 0% 100%

424 310 114 91 87 1 603

70% 51% 19% 15% 14% 0% 100%

Hill Research Consultants

Created on Tuesday April 2, 2013 at 9:21:00 AM, pg C-9

A survey of active voters

Texas statewide voter survey March 21-25, 2013

Q18 Adults in household 1 2 or more 2 3 or more Refused Number of cases Q19 Infants & children in household None 1 or more 1 2 3 or more Refused Number of cases Q18/Q19 Household type Family With children
Single adult

124 464 303 161 14 603

21% 77% 50% 27% 2% 100%

368 220 105 63 52 15 603

61% 37% 17% 10% 9% 2% 100%

490 220
22

81% 37%
4%

No children Single adult, no children Not ascertained Number of cases

266 100 13 603

44% 17% 2% 100%

Hill Research Consultants

Created on Tuesday April 2, 2013 at 9:21:00 AM, pg C-10

A survey of active voters

Texas statewide voter survey March 21-25, 2013

Q20 Value of home Under $100,000 $100,000 to $200,000 $100,000 to $150,000 $151,000 to $200,000 Over $200,000 $201,000 to $300,000 $301,000 to $500,000 Over $500,000 Unsure Refused Not asked (not a homeowner) Number of cases Q21 Carry a homeowner insurance policy on own residence Yes No Unsure Refused Not asked (not a homeowner) Number of cases Q22 Ideology Conservative Very Somewhat Moderate; liberal Moderate; middle-of-road Liberal
Somewhat Very

127 224 120 104 120 75 32 14 18 33 80 603

21% 37% 20% 17% 20% 12% 5% 2% 3% 5% 13% 100%

479 32 6 6 80 603

79% 5% 1% 1% 13% 100%

290 151 139 299 196 104


61 43

48% 25% 23% 50% 32% 17%


10% 7%

Unsure Refused Number of cases

7 7 603

1% 1% 100%

Hill Research Consultants

Created on Tuesday April 2, 2013 at 9:21:00 AM, pg C-11

A survey of active voters

Texas statewide voter survey March 21-25, 2013

Q23 Party identification Republican Strong Not-so-strong Independent; other Independent Other Democratic Not-so-strong Strong Unsure Refused Number of cases Q24/Q24a Tea Party identification Member in household Friendly towards, share its goals Hostile towards & oppose its goals Don't care either way Unsure Refused Number of cases Q25 Education High school or less Some grade school Some high school Graduated high school Some college College graduate Graduated college Graduate, professional school Refused Number of cases

236 172 64 117 114 3 228 55 173 9 14 603

39% 29% 11% 19% 19% 1% 38% 9% 29% 1% 2% 100%

26 165 84 277 39 12 603

4% 27% 14% 46% 6% 2% 100%

113 5 10 99 173 302 181 121 14 603

19% 1% 2% 16% 29% 50% 30% 20% 2% 100%

Hill Research Consultants

Created on Tuesday April 2, 2013 at 9:21:00 AM, pg C-12

A survey of active voters

Texas statewide voter survey March 21-25, 2013

Q26 Ethnicity Minority Asian Black, African-American Hispanic, Latino, MexicanAmerican Mixed White, Anglo Refused Number of cases Age Less than 45 18 - 34 35 - 44 45 to 60 45 - 50 51 - 60 More than 60 61 - 70 More than 70 Not ascertained Number of cases Ideology & age Conservative 50 or less More than 50 Moderate; liberal 50 or less More than 50 Unsure Refused Number of cases

256 9 84 149 15 337 9 603

43% 1% 14% 25% 2% 56% 1% 100%

207 109 97 204 72 132 190 108 82 3 603

34% 18% 16% 34% 12% 22% 32% 18% 14% 0% 100%

290 124 165 299 148 150 7 7 603

48% 21% 27% 50% 25% 25% 1% 1% 100%

Hill Research Consultants

Created on Tuesday April 2, 2013 at 9:21:00 AM, pg C-13

A survey of active voters

Texas statewide voter survey March 21-25, 2013

Party identification by ideology, ethnicity & age Republican Conservative


Very conservative

236 193
111

39% 32%
18%

Moderate; liberal 50 or less More than 50 Democratic Conservative


White

40 109 127 228 53


15

7% 18% 21% 38% 9%


3%

Moderate Liberal Minority 50 or less More than 50 Independent; other Conservative Moderate Liberal 50 or less More than 50 Unsure Refused Number of cases

99 75 161 108 117 117 37 62 15 54 63 9 14 603

16% 12% 27% 18% 19% 19% 6% 10% 3% 9% 11% 1% 2% 100%

Hill Research Consultants

Created on Tuesday April 2, 2013 at 9:21:00 AM, pg C-14

A survey of active voters

Texas statewide voter survey March 21-25, 2013

Sex by age, party identification & ideology Male 50 or less More than 50 Republican Democrat Independent, other Conservative Moderate; liberal Female 50 or less More than 50 Republican Democrat Independent, other Conservative Moderate; liberal Number of cases Years registered to vote 6 or less 7 to 19 20 or more Number of cases

271 121 149 104 97 60 130 134 332 158 173 131 130 58 160 166 603

45% 20% 25% 17% 16% 10% 22% 22% 55% 26% 29% 22% 22% 10% 27% 27% 100%

187 245 170 603

31% 41% 28% 100%

Hill Research Consultants

Created on Tuesday April 2, 2013 at 9:21:00 AM, pg C-15

A survey of active voters

Texas statewide voter survey March 21-25, 2013

2010 & 2012 Primary vote history Primary voter Republican only Democratic only Other No primary voting Number of cases General election vote history 2008 2010 2012 All three None Number of cases Metropolitan classification Metropolitan area Micropolitan area Rural Number of cases Census Bureau classification Urban (MSA) Small town, rural Number of cases Geographic area Border Central Corridor East Texas Gulf Coast Metroplex Plains Number of cases

230 145 73 10 373 603

38% 24% 12% 2% 62% 100%

470 411 563 341 2 603

78% 68% 93% 57% 0% 100%

536 36 30 603

89% 6% 5% 100%

536 67 603

89% 11% 100%

42 136 40 176 169 41 603

7% 23% 7% 29% 28% 7% 100%

Hill Research Consultants

Created on Tuesday April 2, 2013 at 9:21:00 AM, pg C-16

A survey of active voters

Texas statewide voter survey March 21-25, 2013

Media Market North/northeast Texas Shreveport-Texarkana Dallas-Fort Worth


Dallas & Tarrant Counties Dallas County Tarrant County

204 7 175
97 53 44

34% 1% 29%
16% 9% 7%

Sherman-Ada Tyler-Longview- Jacksonville Gulf Coast Houston


Harris County

3 18 159 149
90

1% 3% 26% 25%
15%

Beaumont-Port Arthur South Texas Corpus Christi Victoria Harlingen-WeslacoBrownsville-McAllen San Antonio
Bexar County

11 102 17 1 20 62
39

2% 17% 3% 0% 3% 10%
6%

Laredo Central Corridor Waco-Temple-Bryan Austin


Travis County

2 92 26 53
24

0% 15% 4% 9%
4%

San Angelo Abilene-Sweetwater West Texas/Plains Lawton Odessa-Midland Amarillo Lubbock El Paso Number of cases

4 9 46 3 3 18 3 19 603

1% 2% 8% 0% 0% 3% 1% 3% 100%

Hill Research Consultants

Created on Tuesday April 2, 2013 at 9:21:00 AM, pg C-17