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Author : DANIEL. STRIGBERGER
Publisher : Unknown
Page : 128 pages
File Size : 49,9 Mb
Release : 2021
Category : Electronic
ISBN : 0433509376
Author : Anonim
Publisher : Unknown
Page : 128 pages
File Size : 48,6 Mb
Release : 2020
Category : Automobile insurance
ISBN : 1522193022
Author : Jean Lemaire
Publisher : Springer Science & Business Media
Page : 300 pages
File Size : 55,8 Mb
Release : 2012-12-06
Category : Business & Economics
ISBN : 9789401106313
Most insurers around the world have introduced some form of merit-rating in automobile third party liability insurance. Such systems, penalizing at-fault accidents by premium surcharges and rewarding claim-free years by discounts, are called bonus-malus systems (BMS) in Europe and Asia. With the current deregulation trends that concern most insurance markets around the world, many companies will need to develop their own BMS. The main objective of the book is to provide them models to design BMS that meet their objectives. Part I of the book contains an overall presentation of the pros and cons of merit-rating, a case study and a review of the different probability distributions that can be used to model the number of claims in an automobile portfolio. In Part II, 30 systems from 22 different countries, are evaluated and ranked according to their `toughness' towards policyholders. Four tools are created to evaluate that toughness and provide a tentative classification of all systems. Then, factor analysis is used to aggregate and summarize the data, and provide a final ranking of all systems. Part III is an up-to-date review of all the probability models that have been proposed for the design of an optimal BMS. The application of these models would enable the reader to devise the system that is ideally suited to the behavior of the policyholders of his own insurance company. Finally, Part IV analyses an alternative to BMS; the introduction of a policy with a deductible.
Author : Craig Brown,Elizabeth Cummins Seto
Publisher : Thomson Carswell
Page : 264 pages
File Size : 54,5 Mb
Release : 1988
Category : Business & Economics
ISBN : STANFORD:36105044016348
Author : Anonim
Publisher : Unknown
Page : 2 pages
File Size : 52,7 Mb
Release : 1994
Category : Electronic
ISBN : OCLC:62918089
Author : United States. Congress. House. Committee on Energy and Commerce. Subcommittee on Commerce, Consumer Protection, and Competitiveness
Publisher : Unknown
Page : 362 pages
File Size : 51,9 Mb
Release : 1988
Category : Automobile insurance
ISBN : STANFORD:36105009892576
Author : United States. Congress. Senate. Committee on Commerce
Publisher : Unknown
Page : 2504 pages
File Size : 55,9 Mb
Release : 1971
Category : Automobile insurance
ISBN : STANFORD:36105019574743
Author : United States. Congress. House. Committee on Financial Services. Subcommittee on Oversight and Investigations
Publisher : Unknown
Page : 140 pages
File Size : 46,9 Mb
Release : 2001
Category : Automobile insurance
ISBN : PSU:000048688550
Author : Edward L. Lascher Jr.
Publisher : Georgetown University Press
Page : 164 pages
File Size : 46,6 Mb
Release : 1999-07-21
Category : Political Science
ISBN : 1589014561
American state and Canadian provincial governments have dealt with rapidly rising auto insurance rates in different ways over the last two decades, a difference many attribute to variances in political pressure exerted by interest groups such as trial attorneys and insurance companies. Edward L. Lascher, Jr., argues that we must consider two additional factors: the importance of politicians’ beliefs about the potential success of various solutions and the role of governmental institutions. Using case studies from both sides of the border, Lascher shows how different explanations of the problem and different political structures affect insurance reform. In his conclusion, Lascher moves beyond auto insurance to draw implications for regulation and policymaking in other areas.
Author : Gary L. Wickert
Publisher : Juris Publishing, Inc.
Page : 1630 pages
File Size : 51,9 Mb
Release : 2012-01-01
Category : Actions and defenses
ISBN : 9781578233557
Automobile Insurance Subrogation: In All 50 States is the most thorough, comprehensive, and ambitious anthology of subrogation-related legal information and insurance resources ever put to paper. It is the last and most anticipated of the subrogation trilogy, and a book which will serve as the “bible” for any insurance company writing personal lines or commercial auto policies. It is destined to become the standard work and reference for attorneys, insurance companies, and subrogation industry professionals. Every year there are more than 7 million auto accidents in the United States with a financial toll of more than $300 billion. Nearly 3 million people are injured and 42,636 people are killed. In the overwhelming majority of these accidents there is at least one party at fault. For virtually every one of these accidents, a policy of automobile insurance provides some sort of claim payments or benefits. In the vast majority of those claims, one or more insurance policies and/or applicable state law grants the insurer a right of subrogation against a negligent third party whose carelessness caused the accident. This book is the bible on subrogating those claims. This book covers the nuts and bolts of auto subrogation in all 50 states, covering every topic imaginable -- including PIP, Med Pay, UM/UIM, property claims, deductible reimbursement, no-fault subrogation and more. It surveys the laws of every state and provides descriptions of every type of auto coverage imaginable, as well as the statutory, case law, and regulatory authority governing every aspect of auto subrogation. If you have subrogation responsibility involving auto claims, you need this book. It universally covers issues which are indelibly interwoven into the business of auto insurance, including a complete treatment of the laws of all 50 states and the District of Columbia relating to: • Basic and Statutory Subrogation Rights • Mandatory vs. Optional Insurance Coverage • No-Fault Laws, PIP, Mini-Torts, and Loss Transfer Laws • Tort Limitations • Medical Payments Coverage and Subrogation • Uninsured/Underinsured Motorist Coverage and Subrogation • Collision/Property Subrogation • Release of Tortfeasor by Insured • Accord and Satisfaction: Accepting Partial Payments from Tortfeasor • Made Whole Doctrine • Common Fund Doctrine • Economic Loss Doctrine • Deductible Recovery and Reimbursement • Collateral Source Rule • Contributory Negligence/Comparative Fault • Seat Belt Laws and Defenses • Rental Cars, Loaner Vehicles, and Test Drivers • Bailment/Parking Lot Liability • Negligent Entrustment • Facing Multiple Claims In Excess of Liability Policy Limits • Conflict of Laws/Interstate Subrogation • Recovery of Attorney’s Fees and Costs • Statutes of Limitations It is a complete treatment -- A to Z -- of virtually every issue which the insurance claims or subrogation professional will face in the area of automobile insurance. It is like no legal treatise ever written and promises to be the most used reference in any insurance company.
Author : United States. Congress. Senate. Commerce
Publisher : Unknown
Page : 114 pages
File Size : 53,9 Mb
Release : 1969
Category : Electronic
ISBN : STANFORD:36105045198889
Author : Anonim
Publisher : The Fraser Institute
Page : 24 pages
File Size : 48,9 Mb
Release : 2024-06-30
Category : Electronic
ISBN : 8210379456XXX
Author : James M. Anderson,Paul Heaton,Stephen J. Carroll
Publisher : Rand Corporation
Page : 191 pages
File Size : 48,5 Mb
Release : 2010
Category : Business & Economics
ISBN : 9780833049162
"No-fault automobile-insurance regimes were the culmination of decades of dissatisfaction with the use of the traditional tort system for compensating victims of automobile accidents. They promised quicker, fairer, less-contentious, and, it was hoped, less-expensive resolution of automobile-accident injuries. This monograph considers how these plans have fared. After reviewing the intellectual and political history of no-fault auto insurance, the monograph concludes that no-fault lost political popularity because of the perception that it did not deliver the promised consumer premium cost reductions. Analysis of data from a variety of sources confirms this view, demonstrating that premiums and claim costs have become substantially larger in no-fault states than in other states over time. These cost increases can be traced to a variety of factors, including growth in excess claiming in no-fault states and convergence between no-fault and tort states in litigation patterns and noneconomic-damage payments. However, the primary driver of no-fault's cost growth has been high medical costs. The extent to which these additional costs represent augmented utilization of medical services rather than cost shifting from the medical insurance system to the automobile insurance system remains unclear." --Back cover.
Author : United States. Congress. Senate. Committee on Commerce
Publisher : Unknown
Page : 582 pages
File Size : 42,8 Mb
Release : 1971
Category : Automobile insurance
ISBN : UIUC:30112121401761
Author : United States. Congress. Senate. Committee on Commerce
Publisher : Unknown
Page : 76 pages
File Size : 40,6 Mb
Release : 1970
Category : Automobile insurance
ISBN : LOC:00100992838
