Data Profiling And Insurance Law

Author : Brendan McGurk
Publisher : Unknown
Page : 280 pages
File Size : 42,8 Mb
Release : 2019
Category : Electronic
ISBN : 1509920641

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Data Profiling and Insurance Law by Brendan McGurk Pdf

"This timely, expertly written monograph looks at the legal impact that the use of 'Big Data' will have on the provision - and substantive law - of insurance. Insurance companies are set to become some of the biggest consumers of big data which will enable them to profile prospective individual insureds at an increasingly granular level. More particularly, the book explores how: (i) insurers gain access to information relevant to assessing risk and/or the pricing of premiums; (ii) the impact which that increased information will have on substantive insurance law (and in particular duties of good faith disclosure and fair presentation of risk); and (iii) the impact that insurers' new knowledge may have on individual and group access to insurance. This raises several consequential legal questions: (i) To what extent is the use of big data analytics to profile risk compatible (at least in the EU) with the General Data Protection Regulation? (ii) Does insurers' ability to parse vast quantities of individual data about insureds invert the information asymmetry that has historically existed between insured and insurer such as to breathe life into insurers' duty of good faith disclosure? And (iii) by what means might legal challenges be brought against insurers both in relation to the use of big data and the consequences it may have on access to cover? Written by a leading expert in the field, this book will both stimulate further debate and operate as a reference text for academics and practitioners who are faced with emerging legal problems arising from the increasing opportunities that big data offers to the insurance industry"--Bloomsbury Publishing.

Author : Brendan McGurk
Publisher : Bloomsbury Publishing
Page : 312 pages
File Size : 50,9 Mb
Release : 2019-03-21
Category : Law
ISBN : 9781509920624

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Data Profiling and Insurance Law by Brendan McGurk Pdf

The winner of the 2020 British Insurance Law Association Book Prize, this timely, expertly written book looks at the legal impact that the use of 'Big Data' will have on the provision – and substantive law – of insurance. Insurance companies are set to become some of the biggest consumers of big data which will enable them to profile prospective individual insureds at an increasingly granular level. More particularly, the book explores how: (i) insurers gain access to information relevant to assessing risk and/or the pricing of premiums; (ii) the impact which that increased information will have on substantive insurance law (and in particular duties of good faith disclosure and fair presentation of risk); and (iii) the impact that insurers' new knowledge may have on individual and group access to insurance. This raises several consequential legal questions: (i) To what extent is the use of big data analytics to profile risk compatible (at least in the EU) with the General Data Protection Regulation? (ii) Does insurers' ability to parse vast quantities of individual data about insureds invert the information asymmetry that has historically existed between insured and insurer such as to breathe life into insurers' duty of good faith disclosure? And (iii) by what means might legal challenges be brought against insurers both in relation to the use of big data and the consequences it may have on access to cover? Written by a leading expert in the field, this book will both stimulate further debate and operate as a reference text for academics and practitioners who are faced with emerging legal problems arising from the increasing opportunities that big data offers to the insurance industry.

Author : Brendan McGurk
Publisher : Bloomsbury Publishing
Page : 306 pages
File Size : 50,5 Mb
Release : 2019-03-21
Category : Law
ISBN : 9781509920631

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Data Profiling and Insurance Law by Brendan McGurk Pdf

The winner of the 2020 British Insurance Law Association Book Prize, this timely, expertly written book looks at the legal impact that the use of 'Big Data' will have on the provision – and substantive law – of insurance. Insurance companies are set to become some of the biggest consumers of big data which will enable them to profile prospective individual insureds at an increasingly granular level. More particularly, the book explores how: (i) insurers gain access to information relevant to assessing risk and/or the pricing of premiums; (ii) the impact which that increased information will have on substantive insurance law (and in particular duties of good faith disclosure and fair presentation of risk); and (iii) the impact that insurers' new knowledge may have on individual and group access to insurance. This raises several consequential legal questions: (i) To what extent is the use of big data analytics to profile risk compatible (at least in the EU) with the General Data Protection Regulation? (ii) Does insurers' ability to parse vast quantities of individual data about insureds invert the information asymmetry that has historically existed between insured and insurer such as to breathe life into insurers' duty of good faith disclosure? And (iii) by what means might legal challenges be brought against insurers both in relation to the use of big data and the consequences it may have on access to cover? Written by a leading expert in the field, this book will both stimulate further debate and operate as a reference text for academics and practitioners who are faced with emerging legal problems arising from the increasing opportunities that big data offers to the insurance industry.

Author : Anthony A Tarr,Julie-Anne Tarr,Maurice Thompson,Dino Wilkinson
Publisher : Taylor & Francis
Page : 376 pages
File Size : 43,5 Mb
Release : 2023-10-18
Category : Law
ISBN : 9781000953183

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The Global Insurance Market and Change by Anthony A Tarr,Julie-Anne Tarr,Maurice Thompson,Dino Wilkinson Pdf

This book focuses on the global landscape in which insurance is transacted, and where it is evolving, driven from within by transformative technologies and externally by the necessity to address risks like climate change and health crises, such as the COVID-19 pandemic. It discusses the dynamic challenges and opportunities that lie ahead for the industry in areas such as on-demand insurance, embedded insurance, parametric insurance, autonomous vehicles, the rise of fintech, the cyber risk landscape and through initiatives driven by distributed ledger technology or blockchain solutions. Moreover, it covers the major external challenges confronting the global insurance market, such as the growing insurance protection gap in relation to the affordability and insurability of natural catastrophes and climate change, and pandemics like COVID-19. This book examines innovations in insurance driven by the industry as well as externally imposed changes and dynamics impacting the industry. It describes these changes, the industry’s responses and the legal framework in which they occur. It canvasses additional regulatory and law reform initiatives that may be necessary to achieve an effective balance between the various competing interests. The book is the first to address these matters holistically with a particular focus upon insurance law, it will describe these changes and industry responses and the legal framework in which they occur. The Global Insurance Market will be directly relevant to legal professionals, insurers, insurtechs, fintechs, brokers, CEOs of insurance companies, risk managers, legal counsel, academics, researchers, the judiciary, and policy makers. It will also serve as a valuable resource for students of all levels.

Author : Julian Burling,Kevin Lazarus
Publisher : Edward Elgar Publishing
Page : 933 pages
File Size : 49,9 Mb
Release : 2023-12-11
Category : Law
ISBN : 9781802205893

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Research Handbook on International Insurance Law and Regulation by Julian Burling,Kevin Lazarus Pdf

This thoroughly revised second edition of the Research Handbook on International Insurance Law and Regulation provides an updated assessment of the insurance industry in an international context, featuring 30 chapters, of which half are new for this edition, written by expert academics and practising lawyers.

Author : Jamie Susskind
Publisher : Simon and Schuster
Page : 253 pages
File Size : 52,5 Mb
Release : 2022-07-05
Category : Political Science
ISBN : 9781643139029

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The Digital Republic by Jamie Susskind Pdf

From one of the leading intellectuals of the digital age, The Digital Republic is the definitive guide to the great political question of our time: how can freedom and democracy survive in a world of powerful digital technologies? A Financial Times “Book to Read” in 2022 Not long ago, the tech industry was widely admired, and the internet was regarded as a tonic for freedom and democracy. Not anymore. Every day, the headlines blaze with reports of racist algorithms, data leaks, and social media platforms festering with falsehood and hate. In The Digital Republic, acclaimed author Jamie Susskind argues that these problems are not the fault of a few bad apples at the top of the industry. They are the result of our failure to govern technology properly. The Digital Republic charts a new course. It offers a plan for the digital age: new legal standards, new public bodies and institutions, new duties on platforms, new rights and regulators, new codes of conduct for people in the tech industry. Inspired by the great political essays of the past, and steeped in the traditions of republican thought, it offers a vision of a different type of society: a digital republic in which human and technological flourishing go hand in hand.

Author : Martin Ebers,Cristina Poncibò,Mimi Zou
Publisher : Bloomsbury Publishing
Page : 384 pages
File Size : 43,6 Mb
Release : 2022-06-30
Category : Law
ISBN : 9781509950706

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Contracting and Contract Law in the Age of Artificial Intelligence by Martin Ebers,Cristina Poncibò,Mimi Zou Pdf

This book provides original, diverse, and timely insights into the nature, scope, and implications of Artificial Intelligence (AI), especially machine learning and natural language processing, in relation to contracting practices and contract law. The chapters feature unique, critical, and in-depth analysis of a range of topical issues, including how the use of AI in contracting affects key principles of contract law (from formation to remedies), the implications for autonomy, consent, and information asymmetries in contracting, and how AI is shaping contracting practices and the laws relating to specific types of contracts and sectors. The contributors represent an interdisciplinary team of lawyers, computer scientists, economists, political scientists, and linguists from academia, legal practice, policy, and the technology sector. The chapters not only engage with salient theories from different disciplines, but also examine current and potential real-world applications and implications of AI in contracting and explore feasible legal, policy, and technological responses to address the challenges presented by AI in this field. The book covers major common and civil law jurisdictions, including the EU, Italy, Germany, UK, US, and China. It should be read by anyone interested in the complex and fast-evolving relationship between AI, contract law, and related areas of law such as business, commercial, consumer, competition, and data protection laws.

Author : Margarida Lima Rego,Birgit Kuschke
Publisher : Springer Nature
Page : 264 pages
File Size : 40,9 Mb
Release : 2022-02-15
Category : Law
ISBN : 9783030827045

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Insurance and Human Rights by Margarida Lima Rego,Birgit Kuschke Pdf

This volume examines the impact of and interplay between human rights and insurance. National, supranational and international legal instruments regulating the taking-up and pursuit of the business of insurance and reinsurance, (re)insurance distribution and the insurance contract often refer to or impact on human or fundamental rights. Courts are often faced with the sometimes seemingly impossible task of reconciling insurance core principles, practices and mind-sets with the principles and values stemming from human rights protection. In some cases, such as that of discrimination in insurance, this discussion has been going on for decades. Some deal with hot topics which have more recently emerged in light of developments stemming from technologic innovations (‘InsurTech’). The first part of the book focuses on insurance and the right to equal treatment. Discrimination on the basis of factors such as gender or age is tackled, from the perspectives of the European Union, Canada and South Africa. The second part of the book highlights the very relevant role played by insurance in the upholding of the right to health, covering the United States of America, Africa and Brazil. The third part of the book explores InsurTech's manifold challenges upon the right to privacy, focusing on European Union. The fourth part tackles the threat posed by insurance on the right to life in general, but with a particular focus on the United Kingdom. Written by legal scholars and practitioners, the book offers international, comparative and regional or national perspectives, aiming to contribute to a more thorough and systematic understanding of the interactions between these two very different fields of law, providing the industry as well as the scientific community with insights from both sides of this seemingly difficult to transpose divide.

Author : Anonim
Publisher : Unknown
Page : 48 pages
File Size : 42,9 Mb
Release : 2005
Category : Lawyers
ISBN : STANFORD:36105063842046

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Profile of Legal Malpractice Claims by Anonim Pdf

Author : Mario Viola de Azevedo Cunha
Publisher : Springer Science & Business Media
Page : 236 pages
File Size : 43,5 Mb
Release : 2013-02-26
Category : Law
ISBN : 9789400760851

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Market Integration Through Data Protection by Mario Viola de Azevedo Cunha Pdf

In the context of the continuous advance of information technologies and biomedicine, and of the creation of economic blocs, this work analyzes the role that data protection plays in the integration of markets. It puts special emphasis on financial and insurance services. Further, it identifies the differences in the data protection systems of EU member states and examines the development of common standards and principles of data protection that could help build a data protection model for Mercosur. Divided into four parts, the book starts out with a discussion of the evolution of the right to privacy, focusing on the last few decades, and taking into account the development of new technologies. The second part discusses the interaction between data protection and specific industries that serve as case studies: insurance, banking and credit reporting. The focus of this part is on generalization and discrimination, adverse selection and the processing of sensitive and genetic data. The third part of the book presents an analysis of the legislation of three EU Member States (France, Italy and UK). Specific elements of analysis that are compared are the concepts of personal and anonymous data, data protection principles, the role of the data protection authorities, the role of the data protection officer, data subjects’ rights, the processing of sensitive data, the processing of genetic data and the experience of the case studies in processing data. The book concludes with the proposal of a model for data protection that could be adopted by Mercosur, taking into account the different levels of data protection that exist in its member states.

Author : Lucie Guibault,Natali Helberger
Publisher : Kluwer Law International B.V.
Page : 304 pages
File Size : 44,5 Mb
Release : 2012-12-01
Category : Law
ISBN : 9789041142207

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Digital Consumers and the Law by Lucie Guibault,Natali Helberger Pdf

This book provides a critical analysis of how digitisation affects established concepts and policies in consumer law. Based on evidence of the actual experience and problems encountered by consumers in digital markets, the book offers a ground-breaking study of the main issues arising in relation to the application of general consumer and sector-specific law. An interdisciplinary team of researchers from the Centre for the Study of European Contract Law (CSECL) and the Institute for Information Law (IViR), both University of Amsterdam, combine their expertise in general consumer and contract law, telecommunications law, media law, copyright law and privacy law in a joint effort to point the way to a truly cohesive European Framework for Digital Consumers and the Law. Topics in this book include the characteristics of digital content markets and how they relate to traditional consumer law; consumer concerns, reasonable expectations and how they are protected by law; the difficult question of the classification of digital content; legal questions triggered by prosumers and underage consumers; the feasibility and future of the information approach to consumer protection; the role of fundamental rights considerations, and the legal implications of an economy that uses personal data as the new currency. Digital Consumers and the Law is an important analysis for all those interested or involved in the regulation of digital content markets. With its comprehensive discussion of a wide range of fundamental as well as praxis-oriented questions, it is an essential read for academics, policy makers, members of the content industry as well as consumer representatives.

Author : Jean Herveg
Publisher : Éditions Larcier
Page : 395 pages
File Size : 47,7 Mb
Release : 2022-03-24
Category : Law
ISBN : 9782807933477

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Deep Diving into Data Protection by Jean Herveg Pdf

This book celebrates the 40th anniversary of the creation of the CRID and the 10th anniversary of its successor, the CRIDS. It gathers twenty-one very high quality contributions on extremely interesting and topical aspects of data protection. The authors come from Europe as well as from the United States of America and Canada. Their contributions have been grouped as follows: 1° ICT Governance; 2° Commodification & Competition; 3° Secret surveillance; 4° Whistleblowing; 5° Social Medias, Web Archiving & Journalism; 6° Automated individual decision-making; 7° Data Security; 8° Privacy by design; 9° Health, AI, Scientific Research & Post-Mortem Privacy. This book is intended for all academics, researchers, students and practitioners who have an interest in privacy and data protection.

Author : Pierpaolo Marano,Kyriaki Noussia
Publisher : Springer Nature
Page : 439 pages
File Size : 55,7 Mb
Release : 2021
Category : Bank marketing
ISBN : 9783030527389

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Insurance Distribution Directive by Pierpaolo Marano,Kyriaki Noussia Pdf

This open access volume of the AIDA Europe Research Series on Insurance Law and Regulation offers the first comprehensive legal and regulatory analysis of the Insurance Distribution Directive (IDD). The IDD came into force on 1 October 2018 and regulates the distribution of insurance products in the EU. The book examines the main changes accompanying the IDD and analyses its impact on insurance distributors, i.e., insurance intermediaries and insurance undertakings, as well as the market. Drawing on interrelations between the rules of the Directive and other fields that are relevant to the distribution of insurance products, it explores various topics related to the interpretation of the IDD - e.g. the harmonization achieved under it; its role as a benchmark for national legislators; and its interplay with other regulations and sciences - while also providing an empirical analysis of the standardised pre-contractual information document. Accordingly, the book offers a wealth of valuable insights for academics, regulators, practitioners and students who are interested in issues concerning insurance distribution.--

Author : Anonim
Publisher : Unknown
Page : 410 pages
File Size : 45,9 Mb
Release : 1988
Category : Insurance law
ISBN : 0939675102

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Deskbook Encyclopedia of American Insurance Law by Anonim Pdf

Author : Bart Custers,Toon Calders,Bart Schermer,Tal Zarsky
Publisher : Springer Science & Business Media
Page : 370 pages
File Size : 41,5 Mb
Release : 2012-08-11
Category : Technology & Engineering
ISBN : 9783642304873

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Discrimination and Privacy in the Information Society by Bart Custers,Toon Calders,Bart Schermer,Tal Zarsky Pdf

Vast amounts of data are nowadays collected, stored and processed, in an effort to assist in making a variety of administrative and governmental decisions. These innovative steps considerably improve the speed, effectiveness and quality of decisions. Analyses are increasingly performed by data mining and profiling technologies that statistically and automatically determine patterns and trends. However, when such practices lead to unwanted or unjustified selections, they may result in unacceptable forms of discrimination. Processing vast amounts of data may lead to situations in which data controllers know many of the characteristics, behaviors and whereabouts of people. In some cases, analysts might know more about individuals than these individuals know about themselves. Judging people by their digital identities sheds a different light on our views of privacy and data protection. This book discusses discrimination and privacy issues related to data mining and profiling practices. It provides technological and regulatory solutions, to problems which arise in these innovative contexts. The book explains that common measures for mitigating privacy and discrimination, such as access controls and anonymity, fail to properly resolve privacy and discrimination concerns. Therefore, new solutions, focusing on technology design, transparency and accountability are called for and set forth.