Regulation By Liability Insurance

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Regulation by Liability Insurance

Author : Tom Baker
Publisher :
ISBN 13 :
Total Pages : 40 pages
Book Rating : 4.:/5 (131 download)

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Book Synopsis Regulation by Liability Insurance by : Tom Baker

Download or read book Regulation by Liability Insurance written by Tom Baker and published by . This book was released on 2013 with total page 40 pages. Available in PDF, EPUB and Kindle. Book excerpt: Liability insurers use a variety of tools to address adverse selection and moral hazard in insurance relationships. These tools can act on insureds in a manner that can be understood as regulation. We identify seven categories of such regulatory activities: risk-based pricing, underwriting, contract design, claims management, loss prevention services, research and education, and engagement with public regulators. We describe these activities in general terms and then draw upon prior literature to explore them in the context of five areas of liability and corresponding insurance: shareholder liability, auto liability, gun liability, medical professional liability, and lawyers' professional liability. The goal is to develop a conceptual framework to guide qualitative research on liability insurance as governance for initial application to lawyers' liability and insurance.

The Regulation and Structure of Non-life Insurance in the United States

Author : Martin Francis Grace
Publisher : World Bank Publications
ISBN 13 :
Total Pages : 72 pages
Book Rating : 4./5 ( download)

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Book Synopsis The Regulation and Structure of Non-life Insurance in the United States by : Martin Francis Grace

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:

A Comparative Analysis of Government Regulation of Property-liability Insurance in Selected Countries and the United States

Author : Samuel H. Weese
Publisher :
ISBN 13 :
Total Pages : 226 pages
Book Rating : 4.:/5 (327 download)

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Book Synopsis A Comparative Analysis of Government Regulation of Property-liability Insurance in Selected Countries and the United States by : Samuel H. Weese

Download or read book A Comparative Analysis of Government Regulation of Property-liability Insurance in Selected Countries and the United States written by Samuel H. Weese and published by . This book was released on 1980 with total page 226 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Insurance Law and Regulation

Author : Kenneth S. Abraham
Publisher :
ISBN 13 : 9781609304010
Total Pages : 0 pages
Book Rating : 4.3/5 (4 download)

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Book Synopsis Insurance Law and Regulation by : Kenneth S. Abraham

Download or read book Insurance Law and Regulation written by Kenneth S. Abraham and published by . This book was released on 2015 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: This casebook, which has been used as the principal text in more than one hundred law schools, contains extensive material on insurance contract formation and interpretation; insurance regulation; insurable interest and liability for bad-faith breach; property, health, life, and disability insurance; commercial general liability and directors & officers liability insurance; auto insurance; and reinsurance. The casebook gives equal emphasis to personal and commercial insurance, and reprints within the relevant chapters four standard-form insurance policies. There is new material on the interpretation of ambiguities, insurance regulation, the Affordable Care Act, directors & officers insurance, and excess coverage.

The Future of Insurance Regulation in the United States

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

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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).

Federal-State Regulation of the Pricing and Marketing of Insurance

Author : United States. Department of Justice. Antitrust Division
Publisher :
ISBN 13 :
Total Pages : 128 pages
Book Rating : 4.3/5 (91 download)

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Book Synopsis Federal-State Regulation of the Pricing and Marketing of Insurance by : United States. Department of Justice. Antitrust Division

Download or read book Federal-State Regulation of the Pricing and Marketing of Insurance written by United States. Department of Justice. Antitrust Division and published by . This book was released on 1977 with total page 128 pages. Available in PDF, EPUB and Kindle. Book excerpt: Originally prepared as a working paper by the Antitrust Division of the Dept. of Justice. Cf. U.S. Task Group on Antitrust Immunities. Report."[Prepared in connection with a study conducted] at the request of the Task Force [i.e. Group] on Antitrust Immunities." Includes bibliographical references.

The Economics of Insurance Regulation

Author : Nancy Sommers
Publisher : Springer
ISBN 13 : 1349183970
Total Pages : 299 pages
Book Rating : 4.3/5 (491 download)

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Book Synopsis The Economics of Insurance Regulation by : Nancy Sommers

Download or read book The Economics of Insurance Regulation written by Nancy Sommers and published by Springer. This book was released on 1986-09-29 with total page 299 pages. Available in PDF, EPUB and Kindle. Book excerpt:

The Public Interest Now in Property and Liability Insurance Regulation

Author : New York (State). Insurance Department
Publisher :
ISBN 13 :
Total Pages : 162 pages
Book Rating : 4.:/5 (41 download)

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Book Synopsis The Public Interest Now in Property and Liability Insurance Regulation by : New York (State). Insurance Department

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:

The Regulation of Insurance

Author : Justin L. Brady
Publisher :
ISBN 13 :
Total Pages : 212 pages
Book Rating : 4.3/5 ( download)

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Book Synopsis The Regulation of Insurance by : Justin L. Brady

Download or read book The Regulation of Insurance written by Justin L. Brady and published by . This book was released on 1995 with total page 212 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Risk regulation, liability and insurance

Author : Eric Marsden
Publisher : FonCSI
ISBN 13 :
Total Pages : 57 pages
Book Rating : 4./5 ( download)

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Book Synopsis Risk regulation, liability and insurance by : Eric Marsden

Download or read book Risk regulation, liability and insurance written by Eric Marsden and published by FonCSI. This book was released on 2014-09-01 with total page 57 pages. Available in PDF, EPUB and Kindle. Book excerpt: This document provides a short literature review on the complementarity (and antagonisms) between liability rules, safety regulation and insurance and their effect on safety management. It draws on a range of disciplines, with a focus on economic analysis of law and regulation theory. Some of the issues discussed are rather complex; this document attempts to provide simple explanations together with references to the professional literature for the interested reader. Some issues are the subject of ongoing debate between scholars; in such situations, we have attempted to present the various points of view. The document provides background information concerning the topics discussed during the NeTWork'2012 workshop, and draws on some of the contributions of workshop participants and the rich discussion which took place during the three days. The first chapter presents issues related to regulation, starting with the classical economic justifications for state intervention (presence of externalities, information failures and moral hazard). A number of obstacles to the effectiveness of safety regulation are presented. Finally, some alternatives or complements to regulation, including self-regulation, are briefly discussed. The second chapter presents an overview of liability law, starting with some introductory definitions. Factors which weaken the effectiveness of liability as an incentive to invest in prevention are discussed, as are negative effects of liability regimes on safety management. A number of case studies illustrating the liability of regulators are briefly presented. Chapter 3 discusses the impact of insurance and reinsurance on firms' and individuals' safety management. The last chapter briefly analyzes firms and individuals' sources of motivation to take care.

Report of the Commission to Improve the Liability Insurance System

Author : American Bar Association. Commission to Improve the Liability Insurance System
Publisher :
ISBN 13 :
Total Pages : 292 pages
Book Rating : 4.F/5 ( download)

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Book Synopsis Report of the Commission to Improve the Liability Insurance System by : American Bar Association. Commission to Improve the Liability Insurance System

Download or read book Report of the Commission to Improve the Liability Insurance System written by American Bar Association. Commission to Improve the Liability Insurance System and published by . This book was released on 1989 with total page 292 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Fair Rate of Return in Property-Liability Insurance

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

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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.

Medical Malpractice Litigation

Author : Bernard S. Black
Publisher : Cato Institute
ISBN 13 : 194864780X
Total Pages : 337 pages
Book Rating : 4.9/5 (486 download)

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Book Synopsis Medical Malpractice Litigation by : Bernard S. Black

Download or read book Medical Malpractice Litigation written by Bernard S. Black and published by Cato Institute. This book was released on 2021-04-27 with total page 337 pages. Available in PDF, EPUB and Kindle. Book excerpt: "Drawing on an unusually rich trove of data, the authors have refuted more politically convenient myths in one book than most academics do in a lifetime." —Nicholas Bagley, professor of law, University of Michigan Law School "Synthesizing decades of their own and others’ research on medical liability, the authors unravel what we know and don’t know about our medical malpractice system, why neither patients nor doctors are being rightly served, and what economics can teach us about the path forward." —Anupam B. Jena, Harvard Medical School Over the past 50 years, the United States experienced three major medical malpractice crises, each marked by dramatic increases in the cost of malpractice liability insurance. These crises fostered a vigorous politicized debate about the causes of the premium spikes, and the impact on access to care and defensive medicine. State legislatures responded to the premium spikes by enacting damages caps on non-economic, punitive, or total damages and Congress has periodically debated the merits of a federal cap on damages. However, the intense political debate has been marked by a shortage of evidence, as well as misstatements and overclaiming. The public is confused about answers to some basic questions. What caused the premium spikes? What effect did tort reform actually have? Did tort reform reduce frivolous litigation? Did tort reform actually improve access to health care or reduce defensive medicine? Both sides in the debate have strong opinions about these matters, but their positions are mostly talking points or are based on anecdotes. Medical Malpractice Litigation provides factual answers to these and other questions about the performance of the med mal system. The authors, all experts in the field and from across the political spectrum, provide an accessible, fact-based response to the questions ordinary Americans and policymakers have about the performance of the med mal litigation system.

The Political Economy of Regulation

Author : Kenneth J. Meier
Publisher : SUNY Press
ISBN 13 : 9780887067310
Total Pages : 252 pages
Book Rating : 4.0/5 (673 download)

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Book Synopsis The Political Economy of Regulation by : Kenneth J. Meier

Download or read book The Political Economy of Regulation written by Kenneth J. Meier and published by SUNY Press. This book was released on 1988-01-01 with total page 252 pages. Available in PDF, EPUB and Kindle. Book excerpt: This is the first comprehensive study of the history, politics, and economics of the insurance industry in the United States. It is designed as a theoretical challenge to the conventional wisdom in political economy which says that regulation benefits the regulated. In fact, Meier shows that because the insurance industry is far too divided to impose its will on the regulatory system, the political economy of regulation is actually the product of a complex interaction of industry interests, consumer groups, insurance regulations, and political elites. Using both historical and quantitative approaches, the author examines a variety of insurance issues including the development of insurance regulation; the impact of regulation on the availability and price of insurance; the stringency of state regulation; and the product liability insurance crisis of 1985-86. The book concludes with a series of recommendations for reforming the regulation of insurance.

Insurance Deregulation and the Public Interest

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

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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.

On the Social Function and the Regulation of Liability Insurance

Author : Steven Shavell
Publisher :
ISBN 13 :
Total Pages : 26 pages
Book Rating : 4.:/5 (247 download)

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Book Synopsis On the Social Function and the Regulation of Liability Insurance by : Steven Shavell

Download or read book On the Social Function and the Regulation of Liability Insurance written by Steven Shavell and published by . This book was released on 2000 with total page 26 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Deregulating Property-Liability Insurance

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

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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).