Download or read book Fair Rate of Return in Property Liability Insurance written by J. David Cummins and published by Springer Science & Business Media. This book was released on 2013-03-09 with total page 164 pages. Available in PDF, EPUB and Kindle. Book excerpt: 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.

Download or read book Mass Marketing of Property and Liability Insurance written by Spencer L. Kimball and published by . This book was released on 1970 with total page 200 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Deregulating Property Liability Insurance written by J. David Cummins and published by Rowman & Littlefield. This book was released on 2004-06-23 with total page 424 pages. Available in PDF, EPUB and Kindle. Book excerpt: 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).

Download or read book Property and Liability Insurance Principles written by Constance M. Luthardt and published by . This book was released on 1999 with total page 336 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book A Study Guide on Property and Casualty Insurance written by Franklin L. Moore and published by Rough Notes Company Incorporated. This book was released on 1991 with total page 458 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Trends and Problems in the Distribution of Property liability Insurance written by John S. Bickley and published by . This book was released on 1956 with total page 88 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book The Savvy Businessperson s Guide to Property Casualty Insurance written by Cpcu Karin A. Fleischhaker and published by AuthorHouse. This book was released on 2008-09 with total page 556 pages. Available in PDF, EPUB and Kindle. Book excerpt: "Gitty Up" shouted the driver, as he encouraged the laboring horses to pull the ladened "prairie schooner" faster westward across the prairie. In the "prairie schooners" the people were excited and anxious to reach the vast prairie of Nebraska. They wanted to rush to the land, select their free land, and build their homes. Among the settlers on the Nebraska plains were the Author's parents. In this book the reader has a glimpse of their simple home, the care of the livestock on the farm, the planting and harvesting of the crops, the brutal weather, and the challenges of isolation. Every family depended on their horses for survival. Man power combined with horse power with determination resulted in permanent settlements. When tractors began to emerge for farming, then horses retired from field work. Whoa!

Download or read book Property Liability and Auto Insurance written by Revathi Raj Kumar and published by Fractal Infinite LLC. This book was released on with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: 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!

Download or read book Structural Trends and Conditions in the Automobile Insurance Industry written by and published by . This book was released on 1970 with total page 128 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book The Regulation and Structure of Non life Insurance in the United States written by Martin Francis Grace and published by World Bank Publications. This book was released on 1993 with total page 72 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Property and Liability Insurance written by Solomon Stephen Huebner and published by . This book was released on 1996 with total page 712 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book The Public Interest Now in Property and Liability Insurance Regulation written by New York (State). Insurance Department and published by . This book was released on 1969 with total page 162 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Insurance Deregulation and the Public Interest written by Scott E. Harrington and published by American Enterprise Institute. This book was released on 2000 with total page 76 pages. Available in PDF, EPUB and Kindle. Book excerpt: This study outlines the compelling case for widespread deregulation of property-liability insurance rates and forms.

Download or read book Personal Insurance written by Karen L. Hamilton and published by . This book was released on 1999 with total page 420 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Sharing the Risk written by Bernard Kaapcke and published by . This book was released on 1989 with total page 200 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Best s Insurance Reports written by and published by . This book was released on 1974 with total page 2320 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Florida Automobile Insurance Law written by and published by . This book was released on 2020 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: