With insurance industry representatives, state and federal regulators and labor officials at odds over privacy regulations, "we’re about to have a train wreck," one state regulator warned here.

John Coniff, the Washington state insurance department’s deputy commissioner of health policy, who issued the "train wreck" warning, foresees a collision ahead between federal privacy provisions and the states, which, he said, have "an alphabet soup of privacy laws."

A microcosm of the fierce debate over privacy could be observed here during a panel discussion at the annual conference of the Florida Workers’ Compensation Institute, co-sponsored by The National Underwriter Company, publisher of this newspaper.