Liberty Car Insurance by Locker Room contributor September 27, 2005 Can someone tell me why we even have an Insurance Commissioner or a Rate Bureau? Topics on this pageInsurance commissioner Most popular Fact check: Duke Energy reaps no billion-dollar fuel cost windfall Time for North Carolina finally to repeal the literacy test Is North Carolina addicted to federal funds? Sign up for our weekly newsletter to stay up to date on the latest happenings in North Carolina.