ALEC's Anti-Consumer Property/Casualty Insurance Modernization Act This legislation allows large commercial insurance providers to be exempt from regulated rate requirements. Resolution on Supporting Territorial Rating This resolution endorses the practice of “territorial rating” in the competitive insurance market.   Consumer Choice Motor Vehicle Insurance Act  Uninsured Motorist Stipulation of Benefits Act This legislation say that if someone is driving without insurance they have no claim to damage settlements – even if the accident wasn’t there fault.   After-Market Insurance Crash Parts Act  This legislation ensures that insurance companies can provide “non-original replacement parts” to fix insured automobiles.