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Author : Solomon Stephen Huebner,Kenneth Black,Bernard L. Webb
Publisher : Unknown
Page : 712 pages
File Size : 47,9 Mb
Release : 1996
Category : Business & Economics
ISBN : PSU:000025792072
Author : J. David Cummins,Scott E. Harrington
Publisher : Springer Science & Business Media
Page : 164 pages
File Size : 41,9 Mb
Release : 2013-03-09
Category : Business & Economics
ISBN : 9789401577533
Property-liability insurance rates for most lines of business are regulated in about one-half of the states. In most cases, this me ans that rates must be filed with the state insurance commissioner and approved prior to use. The remainder of the states have various forms of competitive rating laws. These either require that rates be filed prior to use but need not be approved or that rates need not be filed at all. State rating laws are summarized in Rand Corporation (1985). The predominant form of insurance rate regulation, prior approval, began in the late 1940s following the V. S. Supreme Court decision in United States vs. South-Eastern Underwriters Association, 322 V. S. 533 (1944). This was an anti trust case involving one of four regional associa tions of insurance companies, which constituted an insurance cartel. The case struck down an earlier decision, Paul vs. Virginia, 8 Wall 168 (1869), holding that the business of insurance was not interstate commerce and hence that state regulation of insurance did not violate the commerce clause of the V. S. Constitution. Following South-Eastern Underwriters, the Vnited States Congress passed the McCarran-Ferguson Act, which held that continued state regulation and taxation of insurance was in the public interest. The act also held that the federal antitrust laws would not apply to insurance to the extent that the business was adequately regulated by state law. (See V. S. Department of Justice 1977.
Author : DANIEL. STRIGBERGER
Publisher : Unknown
Page : 128 pages
File Size : 42,6 Mb
Release : 2021
Category : Electronic
ISBN : 0433509376
Author : Spencer L. Kimball,Herbert S. Denenberg
Publisher : Unknown
Page : 200 pages
File Size : 44,5 Mb
Release : 1970
Category : Automobile insurance
ISBN : UOM:39015012682863
Author : J. David Cummins
Publisher : Rowman & Littlefield
Page : 424 pages
File Size : 42,8 Mb
Release : 2004-06-23
Category : Business & Economics
ISBN : 0815798415
Over the past two decades, the United States has successfully deregulated prices and restrictions on most previously-regulated industries, including airlines, trucking, railroads, telecommunications, and banking. Only a few industries remain regulated, the largest being the property-liability insurance business. In light of recent sweeping financial modernization legislation in other sectors of the insurance industry, this timely volume examines the basis for continued regulation of rates and forms of the U.S. property-liability insurance market. The book focuses on private passenger automobile insurance—the most important personal line of property-liability coverage, with annual premiums of about $120 billion. The authors analyze five state case studies: California, Massachusetts, and New Jersey—three of the most heavily regulated states—as well as Illinois, which has been deregulated for about 30 years, and South Carolina, which began to deregulate in 1997. The study also includes an econometric analysis based on all fifty states over a 25-year period that gauges the impact of regulation on insurance price levels, price volatility, and the proportion of automobiles insured in residual markets. The authors conclude that regulation does not significantly reduce long-run prices for consumers, and generally limits availability of coverage, reduces the quality and variety of services available in the market, inhibits productivity growth, and increases price volatility. Contributors include Dwight Jaffee (University of California, Berkeley), Thomas Russell (Santa Clara University ), Laureen Regan (Temple University), Sharon Tennyson (Cornell University), Mary Weiss (Temple University), John Worrall (Rutgers University), Stephen D'Arcy (University of Illinois, Urbana-Champaign), Martin Grace (Georgia State University), Robert Klein (Georgia State University), Richard Phillips (Georgia State University), Georges Dionne (University of Montreal), and Richard Butler (Brigham Young University).
Author : Karen L. Hamilton,Cheryl L. Ferguson,Mary Ann Cook
Publisher : Unknown
Page : 510 pages
File Size : 42,7 Mb
Release : 2002
Category : Liability insurance
ISBN : 089463111X
Targets property and liability loss exposures faced by individuals and families. Examines auto and homeowners insurance, including recreational vehicle coverage. Explores underwriting and pricing the coverages.
Author : Robert Riegel,Jerome S. Miller,Chester Arthur Williams
Publisher : Prentice Hall
Page : 648 pages
File Size : 52,7 Mb
Release : 1976
Category : Business & Economics
ISBN : MINN:31951002116252R
Author : Revathi Raj Kumar,Saravana Gupta Ravindran
Publisher : Fractal Infinite LLC
Page : 128 pages
File Size : 46,9 Mb
Release : 2024-04-20
Category : Business & Economics
ISBN : 8210379456XXX
I started my real estate journey when I bought my dream home several years ago. I didn't know a lot, but was very curious to learn more. This curiosity drove me to keep learning more. I refinanced the mortgage multiple times to take advantage of the lower interest rates. I refinanced to 15 year mortgage to lower interest rate even further. Had a mindset change to focus on expanding income instead of reducing expense. Explored further on this to understand the single family rental market. Spent several hours on BiggerPockets website to learn and then became a landlord. To expand my understanding further completed hundreds of hours of Pre-Licensure education, took the license tests on Mortgage Broker, Real Estate Agent, Insurance Agent, Notary Public and aced all. Teaching and helping others has been a passion for me since my childhood. I am passionate and dedicated in whatever I do. I became a volunteer to teach Tamil to kids. To take a step further became a woman entrepreneur to help others in their real estate journey. I am now a licensed Mortgage Broker in California & Texas, licensed Insurance agent providing services in California & Texas, Real Estate agent in California Bay area. Come join me and Let's make it happen!
Author : Constance M. Luthardt
Publisher : Unknown
Page : 336 pages
File Size : 49,9 Mb
Release : 1999
Category : Business & Economics
ISBN : 0894621327
Author : Anonim
Publisher : Unknown
Page : 128 pages
File Size : 45,5 Mb
Release : 1970
Category : Automobile insurance
ISBN : IND:30000066242144
Author : Marshall Wilson Reavis, III
Publisher : FriesenPress
Page : 128 pages
File Size : 53,9 Mb
Release : 2012-10
Category : Electronic
ISBN : 9781770978843
RISK IS UNCERTAINTY AS TO LOSS... RISK IS OMNIPRESENT AND ALL PERVASIVE... INSURANCE PROTECTS AGAINST THE ECONOMIC LOSS CAUSED BY RISK This book provides an actionable approach to the functions of the insurance industry in an easy to use examination of property, liability, life and health insurance coverages plus information on the basics of a risk management program.
Author : Ed Boylan,Mark Swercheck
Publisher : Universal-Publishers
Page : 118 pages
File Size : 47,9 Mb
Release : 1999-08
Category : Business & Economics
ISBN : 1581128096
Automobile Insurance Made Simple is a comprehensive, easy to understand consumer's guide to auto insurance. It explains the basic coverages provided by most auto insurance policies, along with simple and clear examples. The book explains how insurance companies determine how much you pay for auto insurance. Once you have this basic understanding, it's easy to see how you can save money on your auto insurance. The book contains actual rating examples and premium charges with easy-to-follow charts and graphs. It provides tips on how to shop, what discounts to look for, and how not to become a victim of insurance fraud. It explains coverages. This book is a valuable resource worth coming back to time and again. An absolute must buy if you live in New Jersey! The $20 investment you make in this book can save you hundreds of dollars in just one year, even thousands of dollars over the course of your lifetime.
Author : Franklin L. Moore
Publisher : Rough Notes Company Incorporated
Page : 458 pages
File Size : 44,8 Mb
Release : 1991
Category : Business & Economics
ISBN : PSU:000016949386
Author : Anonim
Publisher : Unknown
Page : 128 pages
File Size : 44,8 Mb
Release : 1993
Category : Automobile insurance
ISBN : LCCN:93153965
Author : Karen L. Hamilton,Donald S. Malecki
Publisher : Unknown
Page : 420 pages
File Size : 40,9 Mb
Release : 1999
Category : Business & Economics
ISBN : 0894630881