Deregulating Property Liability Insurance

Download Deregulating Property Liability Insurance full books in PDF, epub, and Kindle. Read online Deregulating Property Liability Insurance ebook anywhere anytime directly on your device. Fast Download speed and no annoying ads. We cannot guarantee that every ebooks is available!

Deregulating Property-Liability Insurance

Download Deregulating Property-Liability Insurance PDF Online Free

Author : J. David Cummins
Publisher : Rowman & Littlefield
ISBN 13 : 0815798415
Total Pages : 421 pages
Book Rating : 4.8/5 (157 download)

Book Synopsis Deregulating Property-Liability Insurance by : J. David Cummins

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 421 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).

Insurance Deregulation and the Public Interest

Download Insurance Deregulation and the Public Interest PDF Online Free

Author : Scott E. Harrington
Publisher : American Enterprise Institute
ISBN 13 : 9780844771489
Total Pages : 76 pages
Book Rating : 4.7/5 (714 download)

Book Synopsis Insurance Deregulation and the Public Interest by : Scott E. Harrington

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.

The Property-liability Insurance Industry

Download The Property-liability Insurance Industry PDF Online Free

Author : Tobias W. Schwartz
Publisher :
ISBN 13 :
Total Pages : 538 pages
Book Rating : 4.:/5 (733 download)

Book Synopsis The Property-liability Insurance Industry by : Tobias W. Schwartz

Download or read book The Property-liability Insurance Industry written by Tobias W. Schwartz and published by . This book was released on 1985 with total page 538 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Deregulating Property-Liability Insurance

Download Deregulating Property-Liability Insurance PDF Online Free

Author : J. David Cummins
Publisher : Rowman & Littlefield
ISBN 13 : 9780815798415
Total Pages : 424 pages
Book Rating : 4.7/5 (984 download)

Book Synopsis Deregulating Property-Liability Insurance by : J. David Cummins

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).

Fine-tuning Deregulation of Property-liability Insurance

Download Fine-tuning Deregulation of Property-liability Insurance PDF Online Free

Author : Lowell R. Beck
Publisher :
ISBN 13 :
Total Pages : 62 pages
Book Rating : 4.:/5 (128 download)

Book Synopsis Fine-tuning Deregulation of Property-liability Insurance by : Lowell R. Beck

Download or read book Fine-tuning Deregulation of Property-liability Insurance written by Lowell R. Beck and published by . This book was released on 1982 with total page 62 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Fair Rate of Return in Property-Liability Insurance

Download Fair Rate of Return in Property-Liability Insurance PDF Online Free

Author : J. David Cummins
Publisher : Springer Science & Business Media
ISBN 13 : 9401577536
Total Pages : 164 pages
Book Rating : 4.4/5 (15 download)

Book Synopsis Fair Rate of Return in Property-Liability Insurance by : J. David Cummins

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.

Liability Insurance Crisis Issues

Download Liability Insurance Crisis Issues PDF Online Free

Author : United States. Congress. House. Committee on Small Business. Subcommittee on Antitrust, Impact of Deregulation, and Privatization
Publisher :
ISBN 13 :
Total Pages : 216 pages
Book Rating : 4.F/5 ( download)

Book Synopsis Liability Insurance Crisis Issues by : United States. Congress. House. Committee on Small Business. Subcommittee on Antitrust, Impact of Deregulation, and Privatization

Download or read book Liability Insurance Crisis Issues written by United States. Congress. House. Committee on Small Business. Subcommittee on Antitrust, Impact of Deregulation, and Privatization and published by . This book was released on 1988 with total page 216 pages. Available in PDF, EPUB and Kindle. Book excerpt:

The Future of Insurance Regulation in the United States

Download The Future of Insurance Regulation in the United States PDF Online Free

Author : Martin F. Grace
Publisher : Rowman & Littlefield
ISBN 13 : 0815703864
Total Pages : 244 pages
Book Rating : 4.8/5 (157 download)

Book Synopsis The Future of Insurance Regulation in the United States by : Martin F. Grace

Download or read book The Future of Insurance Regulation in the United States written by Martin F. Grace and published by Rowman & Littlefield. This book was released on 2009-12-01 with total page 244 pages. Available in PDF, EPUB and Kindle. Book excerpt: A Brookings Institution Press and Georgia State University publication Important changes have buffeted the insurance industry over the past decade. The 1999 repeal of key provisions of the Glass-Steagall Act unleashed a wave of conglomeration in financial services, as bank holding companies acquired insurance and securities businesses and, to a much lesser degree, insurance companies acquired securities firms and banks. Rivalry within the sector has intensified: insurance companies have developed products that compete directly with the offerings of banks and securities firms and vice versa. In addition, the industry has become increasingly global. Against this backdrop, pressure has been building for fundamental changes to the structure of insurance regulation in the United States. Despite several court challenges over the years, insurance continues to be regulated by the states. Many insurance companies view state regulation as an increasing drag on their efficiency and competitiveness and support a federal regulatory system. However, powerful stakeholders, including state officials, state and regional insurance companies, and many insurance agents, oppose federal regulation. As a result, proposals to establish an optional federal charter (OFC) for insurance companies and agents remain mired in fierce debate. The Future of Insurance Regulation in the United States gathers some of the country's leading experts on financial regulation to assess the case for an enhanced federal role in the insurance sector. They pay particular attention to the merits of an OFC and how it might be designed. They also consider the principles that should guide insurance regulatory policies, regardless of the institutional framework, and examine the implications of financial convergence and the internationalization of insurance markets for an optimal regulatory structure. The debate over insurance regulation has only grown in complexity and intensity since the financial crisis began in the fall of 2008. This book will both inform and help to shape those critical discussions. Contributors: John A. Cooke (International Financial Services London), Robert Detlefsen (National Association of Mutual Insurance Companies), Martin F. Grace (Georgia State University), Robert W. Klein (Georgia State University), Robert E. Litan (Ewing Marion Kauffman Foundation and Brookings Institution), Phil O’Connor (PROactive Strategies), Hal S. Scott (Harvard Law School), Harold D. Skipper (Georgia State University), Peter J. Wallison (American Enterprise Institute).

Frightened Children in Need of Protection

Download Frightened Children in Need of Protection PDF Online Free

Author : Ernest Nakamura
Publisher :
ISBN 13 :
Total Pages : 90 pages
Book Rating : 4.:/5 (1 download)

Book Synopsis Frightened Children in Need of Protection by : Ernest Nakamura

Download or read book Frightened Children in Need of Protection written by Ernest Nakamura and published by . This book was released on 1982 with total page 90 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Liability

Download Liability PDF Online Free

Author : Robert E. Litan
Publisher : Brookings Institution Press
ISBN 13 : 0815718446
Total Pages : 261 pages
Book Rating : 4.8/5 (157 download)

Book Synopsis Liability by : Robert E. Litan

Download or read book Liability written by Robert E. Litan and published by Brookings Institution Press. This book was released on 2010-12-01 with total page 261 pages. Available in PDF, EPUB and Kindle. Book excerpt: The United States has recently witnessed an explosion of personal injury lawsuits involving medical malpractice, unsafe products, and widespread environmental hazards. Jury awards and out-of-court settlements have escalated in many cases to hundreds of thousands of dollars. At the same time, premiums for liability insurance have skyrocketed. As a result, physicians have cut back services and some municipalities and businesses have been denied liability coverage altogether. Some experts claim that only fundamental reform of the nation's civil justice system will end this "insurance crisis." But critics of such wholesale judicial reform contend that the insurance industry has launced a "tort reform" campaign to cover its own past underwriting mistakes. Liability brings together economists and experts in liability law and the insurance industry to assess the merits of the conflicting positions and to formulate sound public policy. Led by Robert Litan and Clifford Winston, the contributors describe the major changes that have contributed to the insurance crunch and set forth a methodological framework for evaluating the debate over the current liability system. They conclude that increases in premiums and cutbacks in coverage have been real but selective; that the forces in the judicial system responsible for rising liability costs are not readily subject to change; and that we know too little about the cost and benefits of the current tort system to replace it with an alternative compensation program.

Trends and Problems in the Distribution of Property-liability Insurance

Download Trends and Problems in the Distribution of Property-liability Insurance PDF Online Free

Author : John S. Bickley
Publisher :
ISBN 13 :
Total Pages : 88 pages
Book Rating : 4.3/5 (512 download)

Book Synopsis Trends and Problems in the Distribution of Property-liability Insurance by : John S. Bickley

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:

The Crisis in Insurance Regulation

Download The Crisis in Insurance Regulation PDF Online Free

Author : Banks McDowell
Publisher : Praeger
ISBN 13 :
Total Pages : 200 pages
Book Rating : 4.3/5 (512 download)

Book Synopsis The Crisis in Insurance Regulation by : Banks McDowell

Download or read book The Crisis in Insurance Regulation written by Banks McDowell and published by Praeger. This book was released on 1994-03-14 with total page 200 pages. Available in PDF, EPUB and Kindle. Book excerpt: Private and governmental insurance systems in the United States have been suffering an ongoing series of crises. Automobile liability insurance, malpractice protection, health insurance, pension plans, and property insurance have been troubled in recent times by such matters as the threat of insolvency, extremely high premiums, lack of availability for many applicants, and discriminatory selling practices. For over a century, private insurance has been heavily regulated. Governmental insurance, particularly social programs such as Social Security and Medicare, also face serious funding and availability problems. These ongoing problems suggest that regulators have not been doing a very effective job. Unhappy consumers are making different demands both on the industry and on regulators. Some call for deregulation in the belief that market forces will make insurance more efficient, available, and affordable. Others insist that governmental regulators, whether legislators, insurance commissioners, or judges, step in and help solve these problems. Regulators, very much a part of the political process, have avoided these controversial areas of difficult choices. Avoidance is no longer an option for regulators. McDowell explores what competing types of regulation, whether market, industrial, or governmental, might be used, what goals regulators are committed to, the different regulatory philosophies of federal and state agencies, whether the problems are caused by under-regulation or over-regulation, and difficulties of enforcement. He discusses in detail these regulatory problems in the fields of automobile liability insurance, health insurance, and the demand of other financial service institutions to compete in the insurance business. Throughout the book, he compares what American regulators are doing with the practices in Canada in order to illuminate problems and possible solutions for American regulators to consider. Finally, he closes with an analysis of whether the emerging trends of internationalization and interdependence of personal and economic spheres, the increase in magnitude of risks, and the increased speed of transactions will require changes in insurance regulation. Insurance regulators and professionals in governmental and private insurance as well as scholars and students of insurance law will be interested in this book. Even consumers who are concerned or angry about the future of their insurance protection will find it valuable.

Property and Liability Insurance Principles

Download Property and Liability Insurance Principles PDF Online Free

Author : Constance M. Luthardt
Publisher :
ISBN 13 : 9780894621321
Total Pages : 336 pages
Book Rating : 4.6/5 (213 download)

Book Synopsis Property and Liability Insurance Principles by : Constance M. Luthardt

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:

Optional Federal Chartering and Regulation of Insurance Companies

Download Optional Federal Chartering and Regulation of Insurance Companies PDF Online Free

Author : Peter J. Wallison
Publisher : American Enterprise Institute
ISBN 13 : 9780844741468
Total Pages : 212 pages
Book Rating : 4.7/5 (414 download)

Book Synopsis Optional Federal Chartering and Regulation of Insurance Companies by : Peter J. Wallison

Download or read book Optional Federal Chartering and Regulation of Insurance Companies written by Peter J. Wallison and published by American Enterprise Institute. This book was released on 2000 with total page 212 pages. Available in PDF, EPUB and Kindle. Book excerpt: In response to heightened competition, the larger insurance companies and various insurance industry groups have become interested in the concept of federal chartering and regulation.

Insurance Deregulation

Download Insurance Deregulation PDF Online Free

Author : Nathan Weber
Publisher :
ISBN 13 :
Total Pages : 60 pages
Book Rating : 4.3/5 (97 download)

Book Synopsis Insurance Deregulation by : Nathan Weber

Download or read book Insurance Deregulation written by Nathan Weber and published by . This book was released on 1982 with total page 60 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Property and Liability Insurance

Download Property and Liability Insurance PDF Online Free

Author : Solomon Stephen Huebner
Publisher : Prentice Hall
ISBN 13 :
Total Pages : 664 pages
Book Rating : 4.3/5 (511 download)

Book Synopsis Property and Liability Insurance by : Solomon Stephen Huebner

Download or read book Property and Liability Insurance written by Solomon Stephen Huebner and published by Prentice Hall. This book was released on 1982 with total page 664 pages. Available in PDF, EPUB and Kindle. Book excerpt:

The Impact of Insurance Pricing Deregulation on the Employers' Costs of Workers' Compensation Insurance

Download The Impact of Insurance Pricing Deregulation on the Employers' Costs of Workers' Compensation Insurance PDF Online Free

Author : Timothy P. Schmidle
Publisher :
ISBN 13 :
Total Pages : 820 pages
Book Rating : 4.E/5 ( download)

Book Synopsis The Impact of Insurance Pricing Deregulation on the Employers' Costs of Workers' Compensation Insurance by : Timothy P. Schmidle

Download or read book The Impact of Insurance Pricing Deregulation on the Employers' Costs of Workers' Compensation Insurance written by Timothy P. Schmidle and published by . This book was released on 1994 with total page 820 pages. Available in PDF, EPUB and Kindle. Book excerpt: