Final answer:
State insurance regulators have the power to examine insurers' records to regulate industry practices, ensure fair pricing, and promote widespread insurance coverage, although these goals can present challenges.
Step-by-step explanation:
The state insurance regulators have the ability to examine the records of authorized insurers because of the powers granted through the state statutes. This regulatory authority is part of the U.S. insurance industry's oversight which is primarily handled at the state level, with coordination by the National Association of Insurance Commissioners. State insurance regulators have set goals to keep insurance pricing accessible and to strive for universal coverage, though these aims can sometimes lead to conflict or political entanglements.