what us states do not require auto insurance
Mississippi New Hampshire Virginia
15548318
Vehicle insurance in the United States Vehicle insurance, in the United States and elsewhere, is designed to cover risk of financial liability or the loss of a motor vehicle the owner may face if their vehicle is involved in a collision resulting in property or physical damages. Most states require a motor vehicle owner to carry some minimum level of liability insurance. States that do not require the vehicle owner to carry car insurance include Virginia, where an uninsured motor vehicle fee may be paid to the state; New Hampshire, and Mississippi which offers vehicle owners the option to post
Vehicle insurance in the United States
15548355
programs including joint underwriting associations, reinsurance facilities, and in the case of Maryland a state-owned fund subsidized by insurers. Vehicle insurance in the United States Vehicle insurance, in the United States and elsewhere, is designed to cover risk of financial liability or the loss of a motor vehicle the owner may face if their vehicle is involved in a collision resulting in property or physical damages. Most states require a motor vehicle owner to carry some minimum level of liability insurance. States that do not require the vehicle owner to carry car insurance include Virginia, where an uninsured motor vehicle
Vehicle insurance in the United States
15548318
Vehicle insurance in the United States Vehicle insurance, in the United States and elsewhere, is designed to cover risk of financial liability or the loss of a motor vehicle the owner may face if their vehicle is involved in a collision resulting in property or physical damages. Most states require a motor vehicle owner to carry some minimum level of liability insurance. States that do not require the vehicle owner to carry car insurance include Virginia, where an uninsured motor vehicle fee may be paid to the state; New Hampshire, and Mississippi which offers vehicle owners the option to post
Vehicle insurance in the United States
11752730
Safe Auto Insurance Company Safe Auto Insurance Company is a property and casualty auto insurance carrier. It is a privately held carrier and provider of state-minimum private-passenger auto insurance for drivers in the nonstandard insurance market in 17 states across the country, including Ohio, Indiana, Kentucky, Georgia, Pennsylvania, South Carolina, Tennessee, Louisiana, Mississippi, Illinois, Missouri, Arizona, Oklahoma, Kansas, Virginia, Texas and California. The company was founded in Columbus, Ohio in 1993 by Jon Diamond and Ari Deshe. SafeAuto is licensed in 22 states, markets in 17 states, and employs more than 700 associates across its headquarters in Columbus, Ohio, and
Safe Auto Insurance Company
15548353
an accident. In Virginia, vehicle owners may pay an uninsured motorist fee of 500 dollars a year to the state DMV; however this fee is not insurance. Many insurance companies oppose compulsory auto insurance, for example: the NAII (National Association of Independent Insurers). State Farm opposes compulsory auto insurance because it forces poor to choose between groceries and insurance. A study done by Dr. Robert Maril showed that, in a poor area of Arizona, 44% said they had trouble buying food or paying rent due to auto insurance. A survey done by the Montana DPHHS showed 12 of the 96
Vehicle insurance in the United States
15548352
argue that: Opponents of compulsory insurance believe that it is not the best way to allocate risk among drivers. Arizona, Mississippi, New Hampshire, and Virginia do not require motor vehicle insurance. In Arizona, drivers can opt to deposit $40,000 to the State Treasurer in the form of a security deposit, cash, or bond. In Mississippi, drivers can opt to utilize a cash, security deposit, or bond in the amount of the state minimums. In New Hampshire, vehicle owners must satisfy a personal responsibility requirement; instead of paying monthly premiums, and prove that they are capable of paying in case of
Vehicle insurance in the United States
6007993
penalize consumers for behavioral driving habits. Metromile is currently licensed to sell auto insurance in California, New Jersey, Oregon, Pennsylvania, Washington, Virginia and Illinois . More states are expected to roll out shortly. Snapshot is a car insurance program developed by Progressive Insurance in the United States. It is a voluntary, behavior-based insurance program that gives drivers a customized insurance rate based on how, how much, and when their car is driven. Snapshot is currently available in 46 states plus the District of Columbia. Because insurance is regulated at the state level, Snapshot is currently not available in Alaska, California,
Usage-based insurance
11752732
20 years in providing liability coverage that meets states' required minimum limits. Deshe and Diamond founded the company on the idea that SafeAuto could serve this market, which includes high-risk drivers and drivers who require an SR-22 that other companies were hesitant to insure, better than any other insurance company could. Safe Auto Insurance Company Safe Auto Insurance Company is a property and casualty auto insurance carrier. It is a privately held carrier and provider of state-minimum private-passenger auto insurance for drivers in the nonstandard insurance market in 17 states across the country, including Ohio, Indiana, Kentucky, Georgia, Pennsylvania, South
Safe Auto Insurance Company
11465776
health insurance directly. Private insurance was billed for 12.2 million inpatient hospital stays in 2011, incurring approximately 29% ($112.5 billion) of the total aggregate inpatient hospital costs in the United States. The US has a joint federal and state system for regulating insurance, with the federal government ceding primary responsibility to the states under the McCarran-Ferguson Act. States regulate the content of health insurance policies and often require coverage of specific types of medical services or health care providers. State mandates generally do not apply to the health plans offered by large employers, because of the preemption clause of the
Health insurance in the United States
14610944
many legal immigrants with various immigration statuses now are able qualify for affordable health insurance. Undocumented immigrants within the United States do not have access to government funded health insurance. Although The Affordable Care Act allows immigrants to receive insurance at a discounted rate, the same does not go for those without US citizenship. Undocumented immigrants in the US can seek medical help from community centers, or what is termed Safety Net Providers, and participate in fee for service medical assistance, but can only buy health insurance from privatized health insurers. Health care in the United States Health care in
Health care in the United States
15548347
an insurance agent, in addition to a ten dollar fee, in order to convert the fleet license to a full license. Some states require that proof of insurance be carried in the car at all times, while others do not. For example, North Carolina does not specify that proof of insurance must be carried in the vehicle; it does, however, require that a driver have that information to trade with another driver in the event of an accident. Some states allow for an electronic insurance card to be produced on a smartphone Arizona Department of Transportation Research Project Manager John
Vehicle insurance in the United States
2892518
has ever served honorably in the US Military. Auto and property insurance and some banking services require that the customer meet membership eligibility criteria. USAA investment products as well as deposit-only banking services are available to non-members. One of the characteristics that allows USAA to operate differently than most other Fortune 500 companies is that it is not a corporation. The United Services Automobile "Association" is an inter-insurance exchange, the establishment of which is provided for under the Texas Insurance Code. This insurance exchange is made up of current and former military officers and NCOs who have taken out P&C
USAA
8961218
guidelines, and other pieces of information are listed under Kemper Direct, not these specialized brands. Mingle is a brand targeted towards what the company calls the "i Generation". iMingle launched in 2010 and is available in many, but not all, states that the Kemper Direct-branded products are. Teachers.com is a brand primarily targeted towards current or retired professional educators by offering them specialized, educator-focused discounts on their auto insurance. It launched in 1992, although it wasn’t acquired by Kemper Corporation (then Unitrin, Inc.) until 2009. Kemper Direct Kemper Direct Auto and Home Insurance is a direct to consumer auto insurance
Kemper Direct
7805493
except California and Texas, at least for renters who lack their own coverage. Other companies do not publicize where they include liability insurance in the basic rental charge. Some car rental companies offer more liability insurance for a fee. Within Canada, all auto rentals are required by law to include a minimum of $200,000 in third-party liability insurance, regardless of whether the renter has their own auto insurance or not. Most rental agencies thus do not provide a third-party liability insurance option, and simply factor in the premium as part of fixed cost of rental. When a customer does not
Damage waiver
1210587
State's DMV by an auto insurance company to serve as proof that a driver has the minimum liability insurance that the states requires. They are essentially an agreement between a driver's insurance company and the respective State's DMV that requires the driver's insurance company to notify the respective State's DMV that the driver's insurance has either been terminated or lapsed; thus instituting a suspension of the driver's driving privileges until proof of insurance is re-filed with the State's DMV. While SR-22s are typically filed with the respective State's DMV, some States require the driver to carry proof of the SR-22
Drunk driving in the United States
9733486
Auto insurance risk selection Auto insurance risk selection is the process by which vehicle insurers determine whether or not to insure an individual and what insurance premium to charge. Depending on the jurisdiction, the insurance premium can be either mandated by the government or determined by the insurance company in accordance to a framework of regulations set by the government. Often, the insurer will have more freedom to set the price on physical damage coverages than on mandatory liability coverages. When the premium is not mandated by the government, it is usually derived from the calculations of an actuary based
Auto insurance risk selection
8797427
driver’s license, proof of income, some form of mail to prove residency, car registration, a lien-free car title in their name, references, and car insurance, though not all states require lenders to show proof of auto insurance. The maximum amount of the loan is determined by the collateral. Typical lenders will offer up to half of the car's resale value, though some will go higher. Most lenders use Kelley Blue Book to find the resale value of vehicles. The borrower must hold clear title to the car; this means that the car must be paid in full with no liens
Title loan
9733492
however, then he or she might be placed into a lower risk class and charged a lower premium. Auto insurance risk selection Auto insurance risk selection is the process by which vehicle insurers determine whether or not to insure an individual and what insurance premium to charge. Depending on the jurisdiction, the insurance premium can be either mandated by the government or determined by the insurance company in accordance to a framework of regulations set by the government. Often, the insurer will have more freedom to set the price on physical damage coverages than on mandatory liability coverages. When the
Auto insurance risk selection
6906506
to do on a case-by-case basis. Sometimes the contracts will be taken over and fulfilled by a solvent insurance company. The state guaranty association is not a government agency, but states usually require insurance companies to belong to it as a condition of being licensed to do business. The guaranty associations of the fifty states are members of a national umbrella association, the National Organization of Life and Health Insurance Guaranty Associations (NOLHGA). The NOLHGA website provides a description of the organization, links to websites for the individual state organizations, and links to the actual text of the governing state
Annuity (American)
2893829
and United Capital Title units subsequent to LandAmerica's declaration of bankruptcy. Title insurance Title insurance is a form of indemnity insurance predominantly found in the United States which insures against financial loss from defects in title to real property and from the invalidity or unenforceability of mortgage loans. The vast majority of title insurance policies are written on land within the United States. Unlike some land registration systems in countries outside the US, the US states' recorder of deeds generally do not guarantee indefeasible title to those recorded titles. Title insurance will defend against a lawsuit attacking the title, or
Title insurance
2893785
Title insurance Title insurance is a form of indemnity insurance predominantly found in the United States which insures against financial loss from defects in title to real property and from the invalidity or unenforceability of mortgage loans. The vast majority of title insurance policies are written on land within the United States. Unlike some land registration systems in countries outside the US, the US states' recorder of deeds generally do not guarantee indefeasible title to those recorded titles. Title insurance will defend against a lawsuit attacking the title, or reimburse the insured for the actual monetary loss incurred up to
Title insurance
11700215
would be allowed to present a foreign passport as identification. At that point, eight other states did not require individuals to prove their legal immigration status when applying for a driver's licenses. Spitzer said that the new policy would help all New Yorkers by improving traffic safety, because unlicensed drivers are nearly five times as likely to be in fatal car crashes compared to licensed drivers. Spitzer also claimed that the policy would effectively allow illegal immigrants to buy auto insurance, which would reduce the number of uninsured drivers in the state and therefore decrease insurance premiums for all New
Eliot Spitzer drivers license controversy
1615505
a natural desire to want to be considered "specialists". What was not anticipated by many physicians is that an option to be a generalist would lose its prestige and be further degraded by a growing bureaucracy of insurance and hospitals requiring board certification and the financial corruption of the board certification agencies. It has been shown that there is no statistically significant correlation between board certification and patient safety or quality of care which is why 47 states do not require board certification to practice medicine. Board certification agencies have been increasing their fees exponentially since establishment and the board
General practitioner
4999783
curiae" brief. The Supreme Judicial Court of Massachusetts overruled the objections in a unanimous decision. The decision opened the way for widespread adoption of no-fault automobile insurance schemes, a development that was encouraged by the federal Department of Transportation. Most U.S. states have a "traditional tort" liability system for auto insurance in which recovery is governed by principles of provable negligence. However, twelve U.S. states and the Commonwealth territory of Puerto Rico require policyholders to operate under a "no-fault" scheme in which individuals injured in automobile collisions are limited in their ability to seek recovery from other drivers or vehicle
No-fault insurance
1437846
that is quickly gaining favor as it focuses on what is being done, not what is being avoided. Some criticize the term "do not resuscitate" because of the implication of treatment being withheld. US research shows that about 16% of patients who require CPR outside the hospital and 26% of patients who require CPR while in the hospital survive to be discharged from the hospital alive. Patients who are over 80, live in nursing homes, have serious medical problems, or who have cancer, are slightly less likely to survive. A DNR is not intended to affect any treatment other than
Do not resuscitate
9375814
Mexican auto insurance (tourist) Mexican auto insurance provides vehicle insurance for tourists driving in Mexico. This type of insurance was created because U.S. insurance policies are not recognized by authorities in Mexico in the event of an accident. A liability-only policy provides coverage for medical expenses and property damage to third parties if someone is involved in an accident. Full coverage policies are available as well, including physical damage and theft coverage. Policies are available from one day up to one year with most annual policies costing less than a policy in the United States. They are available both by
Mexican auto insurance (tourist)
2225576
Alto IT company, offers a subsidy toward the purchase of hybrid vehicles to full-time employees employed more than one year. Travelers Companies, a large insurance company, offers hybrid owners a 10% discount on auto insurance in most US states. The Farmers Insurance Group offers a similar discount of up to 10% in most US states. In June 2015, the Prius started use as a general purpose patrol car of the National Police of Ukraine. In return for Ukrainian emissions permits under the Kyoto Protocol, 1,568 cars were supplied by Japan. Toyota Prius The Toyota Prius (Japanese:トヨタプリウス, ) is a full
Toyota Prius
16873811
Auto-Tuned chorus was not need; "The Auto-Tune seems extraneous, because the Saturdays can actually sing well without it." She end the review by labeling their latest effort as "generic" and "not the best the Saturdays have to offer", also rating it two and a half stars out of five. "What About Us" debuted at number 44 on the US "Billboard" Hot Dance Club Songs chart for the week dated 8 December 2012. This marks their first ever chart entry in the United States and it has since peaked at number twenty-seven. The song debuted at number 79 on the Canadian
What About Us (The Saturdays song)
3405279
League Soccer and the United States Soccer Federation. Allstate was a sponsor of the Allstate 400 at the Brickyard from 2005-2009 – the annual NASCAR Sprint Cup Series race held at Indianapolis Motor Speedway in late summer. Driver Kasey Kahne was featured in advertisements. Allstate is the largest publicly traded property casualty insurance company in the US. Products include: Asset protection: auto insurance, homeowners insurance, condominium, renters, scheduled personal property, business umbrella, commercial auto, commercial inland marine, small business owner, customizer and business package policy, landlord package, manufactured home, mobile home, motor home, motorcycle, boat, personal umbrella, comprehensive personal liability,
Allstate
2904241
a discount for installing a GPS-based device that tracked their driving behavior and reported the results via cellular phone to the company. The program was discontinued in 2000. In following years many policies (including Progressive) have been trialed and successfully introduced worldwide into what are referred to as Telematic Insurance. Such 'telematic' policies typically are based on black-box insurance technology, such devices derive from a stolen vehicle and fleet tracking but are used for insurance purposes. Since 2010 GPS-based and Telematic Insurance systems have become more mainstream in the auto insurance market not just aimed at specialised auto-fleet markets or
Vehicle insurance
19702933
feel like just something always happened and just so proud to get to victory lane with this group. The pit crew was flawless tonight. They won us the race. They took a lot of heat from last week with what happened. I’m glad he’s (Ryan Newman) not riding home with me – he’d be waiting a while. But just a big weekend for us to – we’ve had a terrible string of back luck. We’ve had super-fast race cars. Auto-Owners Insurance, this is their second race with us and one more with us this year and really excited for them.
2016 Bojangles' Southern 500
9347775
although, there is a system of buses that operate in the area. However, it was reported by the San Diego Union-Tribune that San Diego officials desired that the California High Speed Rail be extended to Tijuana and South Bay in order to capitalize on the potential economic benefits. Many businesses in South Bay offer Mexican car insurance on a short-term, prepaid basis. Most large car rental companies in San Diego do permit their vehicles to be taken across the border but generally require a hefty fee, sometimes costing more than the rental, for Mexican auto insurance. Visitors to the region
San Diego–Tijuana
18983890
location in Las Vegas, Nevada. Today – Ameriprise Auto & Home Insurance has more than 1,200 employees and offers insurance products in 43 states. Ameriprise Auto & Home Insurance Ameriprise Auto & Home Insurance is an insurance company based in suburban Green Bay, Wisconsin. The company sells auto, home, condo, renters, umbrella (personal liability) and travel insurance. Insurance is underwritten by IDS Property Casualty Insurance Company and Ameriprise Insurance Company, each a wholly owned subsidiary of Ameriprise Financial, Inc. They also partner with various specialty insurance providers to offer coverage for items such as watercraft, ATVs, recreational vehicles and motorcycles.
Ameriprise Auto & Home Insurance
9149630
of discrimination based on a person's genetic make-up can lead to a "genetic underclass" which does not receive equal opportunity for insurance and employment. Currently in the United States, health insurers do not require applicants for coverage to undergo genetic testing. Genetic information is under the same protection of confidentiality as other sensitive health information under the Health Insurance Portability and Accountability Act (HIPAA) when health insurers come across it. In the United States, the Genetic Information Nondiscrimination Act, signed into law by President Bush on May 21, 2008; prohibits health insurers from denying coverage or charging differentials in premiums,
Predictive medicine
18964488
laws do not require physicians to prescribe experimental therapies, do not require insurance companies to pay for them, and do not require manufacturers to provide them. Because the laws do not actually provide a right to receive experimental therapies, they could be considered toothless legislation that offers only false hope to dying people. Even if the laws work as intended, they would be problematic to critics. Because the laws require only that drugs have completed the first of three phases of clinical testing, there is no data on the efficacy of the drugs, especially in very sick people. There is
Right-to-try law
6482986
Disability Insurance (SSDI) benefits or patients with end-stage renal disease (ESRD) are entitled to Medicare coverage regardless of age, but "are not" automatically entitled to purchase Medigap policies unless they are at least 65. Under federal law, insurers are not required to sell Medigap policies to people under 65, and even if they do, they may use medical screening. However, a slight majority of states require insurers to offer at least one kind of Medigap policy to at least some Medicare recipients in that age group. Of these states, 25 require that Medigap policies be offered to all Medicare recipients.
Medigap
7620920
Auto-Owners Insurance Auto-Owners Insurance is a mutual insurance company that offers auto, home, business and life insurance to policyholders exclusively through independent agents. The company, which is located in Delta Township, Michigan, is the largest property and casualty insurance company headquartered in Michigan. Auto-Owners has more than $6 billion in written premium and $20.1 billion in assets. Based on written premium, the company is the 17th-largest insurance company in the U.S.* Auto-Owners markets its property and casualty and life products in 26 states exclusively through a network of independent agents. The company employs 5,500 associates nationwide in its 98 claims
Auto-Owners Insurance
3983790
true for practically all cases, but pension law in the United States does not require that employees bear investment risk. The law only provides a section 404(c) exemption under ERISA from fiduciary liability if the employer provides the mandated investment choices and gives employees sufficient control to customize his pension investment portfolio appropriate to his risk tolerance. ERISA does not provide insurance from the Pension Benefit Guaranty Corporation (PBGC) for defined contribution plans, but cash balance plans do get such insurance because they, like all ERISA-defined benefit plans, are covered by the PBGC. Plans may also be either employer-provided or
Retirement plans in the United States
15548344
related tows. Personal items in a vehicle that are damaged due to an accident typically are not covered under the auto insurance policy. Any type of property that is not attached to the vehicle should be claimed under a home insurance or renters' insurance policy. However, some insurance companies will cover unattached GPS devices intended for automobile use. Insurers use actuarial science to determine the rates, which involves statistical analysis of the various characteristics of drivers. In the United States, automotive insurance covering liability for injuries and property damage is compulsory in most states, but different states enforce the insurance
Vehicle insurance in the United States
5142597
first is regulated by the insurance industry, the second is unregulated. In either case coverage is usually the same and sold as a soft product through the car dealership. Coverage is usually financed along with the lease/loan. Claims are subject to a total loss. The total loss is usually determined by the primary insurance company’s third-party appraiser. Exclusions to GAP insurance vary by country or state. Some exclusions include a maximum loss limit of $50,000 while others require a loan term of less than 84 months. GAP is an optional purchase; however, many states in the US require that a
GAP insurance
19084539
is not a government agency, but states usually require insurance companies to belong to it as a condition of being licensed to do business. The guaranty associations of the fifty states are members of a national umbrella association, the National Organization of Life and Health Insurance Guaranty Associations (NOLHGA). The NOLHGA website provides a description of the organization, links to websites for the individual state organizations, and links to the actual text of the governing state laws. A difference between guaranty association protection and the protection e.g. of bank accounts by FDIC, credit union accounts by NCUA, and brokerage accounts
Guaranty association
5149863
rehabilitation benefits.) Claimants involved in an auto accident are wise to submit their own insurance information to their medical providers, as third party carriers are under no legal obligation to pay a claimant's medical bills, while first party carriers are. Third party carriers are subject to payment only after a judgment against them, and any payments prior to that are considered voluntary. Settling a claim with a third party carrier is considered a voluntary payment. Certain states require insurance companies to offer PIP coverage, but allow the insured to reject it in writing: Personal injury protection could also refer to
Personal injury protection
6482988
will cost more than current plans offering full benefits. The reason behind this is that older plans have an older average age per person enrolled in the plan, causing more claims within the group and raising the premium for all members within the group. Since Medigap is private insurance and not government sponsored, the rules governing the sale and offerings of a Medigap insurance policy can vary from state to state. Some states such as Massachusetts, Minnesota, and Wisconsin require Medigap insurance to provide additional coverage than what is defined in the standardized Medigap plans. Some employers may provide Medigap
Medigap
11626843
no-fault model with no option to sue. Second, mandated minimum levels of coverage and benefits can vary widely, even between provinces that use similar insurance models. Third, what is covered within a given category, such as medical benefits, may also differ between jurisdictions. Fourth, different parts of the country differ in areas such as demographics and weather, which may affect the costs of claims as well as accident frequency. Lastly, comparisons with other countries - and the United States in particular - are difficult since Canada’s public healthcare system covers medical costs that would otherwise often be borne by auto
Public auto insurance
3539126
protection, collision and comprehensive coverage, personal injury protection, rental car coverage, and uninsured and underinsured motorists coverage. Through an arrangement with Hyatt Legal Plans, a subsidiary of MetLife, MetLife Auto & Home underwrites group legal plans in many states. It was the first national insurer in the United States to offer identity-theft resolution services at no extra premium and as of 2012 continues to do so today in most United States states. In 2010, MetLife Auto & Home began offering their GrandProtect plan in most states. This GrandProtect policy simplifies complex insurance needs by combining a client's home, valuable items,
MetLife
15757461
limitations, the process of claiming the policy benefit may be relatively difficult and will likely require post-mortem medical assessment of the deceased and official investigation of the accident. ScotiaLife has three categories of health insurance in its portfolio. There is hospitalization insurance, critical illness insurance, and health & dental insurance. ScotiaLife Financial ScotiaLife Financial is a Canadian insurance subsidiary of Scotiabank (also known as Bank of Nova Scotia). Through this brand, Scotiabank Group markets commercial insurance products to the general public, predominantly individuals and families. The company offers insurance products ranging from life insurance, health insurance, auto insurance, travel insurance,
ScotiaLife Financial
14419039
Individually purchased health insurance In the United States, individually purchased health insurance is health insurance purchased directly by individuals, and not those provided through employers. Self-employed individuals receive a tax deduction for their health insurance and can buy health insurance with additional tax benefits. According to the US Census Bureau, about 9% of Americans are covered under individual health insurance. In the individual market, consumers pay the entire premium without an employer contribution, and most do not receive any tax benefit. The range of products available is similar to those provided through employers. However, average out-of-pocket spending is higher in
Individually purchased health insurance
14419030
Individually purchased health insurance In the United States, individually purchased health insurance is health insurance purchased directly by individuals, and not those provided through employers. Self-employed individuals receive a tax deduction for their health insurance and can buy health insurance with additional tax benefits. According to the US Census Bureau, about 9% of Americans are covered under individual health insurance. In the individual market, consumers pay the entire premium without an employer contribution, and most do not receive any tax benefit. The range of products available is similar to those provided through employers. However, average out-of-pocket spending is higher in
Individually purchased health insurance
6347888
order to obtain a broker's license, a person typically must take pre-licensing courses and pass an examination. An insurance broker also must submit an application (with an application fee) to the state insurance regulator in the state in which the applicant wishes to do business, who will determine whether the insurance broker has met all the state requirements and will typically do a background check to determine whether the applicant is considered trustworthy and competent. A criminal conviction, for example, may result in a state determining that the applicant is untrustworthy or incompetent. Some states also require applicants to submit
Insurance broker
3078597
that the car will not be driven onto Ninety-Mile Beach (because of the hazardous tides). There will certainly be a requirement to show a driver's license, and only those drivers appearing on the contract may be authorized to drive. It may include an option to purchase auto insurance (UK: motor insurance), if the renter does not already have a policy to cover rentals—another important consideration for multiple drivers. Some agencies may even require a bond payable if the car is not returned in order, often held in the form of a credit-card authorization—voided if the car is returned per agreement.
Lease
14610873
and approval of pharmaceuticals and medical devices by the U.S. Food and Drug Administration (FDA), and laboratory testing. These regulations are designed to protect consumers from ineffective or fraudulent healthcare. Additionally, states regulate the health insurance market and they often have laws which require that health insurance companies cover certain procedures, although state mandates generally do not apply to the self-funded health care plans offered by large employers, which exempt from state laws under preemption clause of the Employee Retirement Income Security Act. In 2010, the Patient Protection and Affordable Care Act (PPACA) was signed by President Barack Obama and
Health care in the United States
14835241
Casualty Insurance Company for workers’ compensation and New Jersey Indemnity Insurance Company for personal auto. NJM Insurance Group NJM Insurance Group, headquartered in the West Trenton section of Ewing Township, Mercer County, New Jersey, United States, offers personal auto, commercial auto, workers' compensation, homeowners, and umbrella insurance. The company was formed in 1913 by a group of factory owners seeking workers' compensation coverage. NJM has grown to provide insurance to more than 850,000 policyholders living in New Jersey and Pennsylvania. NJM Insurance Group, originally known as New Jersey Manufacturers Casualty Insurance Company, formed as a workers’ compensation insurance company during
NJM Insurance Group
5142598
car dealership offer GAP at the point of purchase. Other states require insurers to offer GAP if a client requests it. States such as Louisiana require that the purchaser sign a disclosure document as proof. Although GAP is optional, some finance companies require GAP as a condition to obtaining a loan. The Truth in Lending Act excludes GAP premiums from financial charges if GAP was not required by the creditor, the premiums were disclosed in writing, and the consumer provides a written request for the insurance. UK Gap Insurance Update In September 2015, the FCA changed the way that Gap
GAP insurance
203083
major US auto insurance company, Progressive Auto Insurance () and a Spanish independent inventor, Salvador Minguijon Perez (). Many independent inventors are in favor of patenting new insurance products since it gives them protection from big companies when they bring their new insurance products to market. Independent inventors account for 70% of the new U.S. patent applications in this area. Many insurance executives are opposed to patenting insurance products because it creates a new risk for them. The Hartford insurance company, for example, recently had to pay $80 million to an independent inventor, Bancorp Services, in order to settle a
Insurance
3405282
to decline it once they obtained eligibility. An investigative report in February 2007 by CNN found that major car insurance companies, like Allstate, are increasingly fighting auto insurance claims from those who incurred injuries by their insured members. Allstate currently commands 18% of the auto insurance market in the United States. The PBS television program "Now", in conjunction with "Bloomberg Markets" magazine, did an exposé regarding Allstate and other major insurers' homeowners insurance policies. Allstate has stated intentions of reducing its exposure in hurricane-prone Florida. In November 2006, Allstate did not renew 120,000 policies that were expiring at that time.
Allstate
10545429
Amica Mutual Insurance Amica Mutual Insurance Company is a Rhode Island-based mutual insurance company that offers auto, home and life insurance. Amica was founded in 1907 by A.T. Vigneron and originally offered auto, fire and theft insurance. Since then, Amica has expanded to offering auto, home and life insurance, as well as owning a number of subsidiary insurance companies. It is the oldest mutual insurer of automobiles in the United States. Originally named the Automobile Mutual Insurance Company of America, Amica was founded in 1907 by A.T. Vigneron in Providence, Rhode Island. Amica was organized as a mutual insurance company,
Amica Mutual Insurance
15548351
followed suit in 1957 and then in the 1960s and 1970s numerous other states passed similar compulsory insurance laws. Since the genesis of automotive insurance schemes in 1925 nearly every state has adopted a compulsory insurance scheme. Advocates of compulsory auto insurance rely on the assumption that, at least some of the time, the person at fault in a car accident won't be able to pay for the damage to the other person's car. Because insurance has been mandatory in most states for so long, the data to prove this theory is somewhat sparse. Nevertheless, proponents of compulsory auto insurance
Vehicle insurance in the United States
4679815
will certainly be a requirement to show a driver's license, and only those drivers appearing on the contract may be authorized to drive. It may include an option to purchase auto insurance (motor insurance, UK), if the renter does not already have a policy to cover rentals—another important consideration for multiple drivers. Some agencies may even require a bond payable if the car is not returned in order, often held in the form of a credit-card authorization—voided if the car is returned per agreement. A renter should be advised that he or she will be responsible for any parking or
Rental agreement
10245922
companies: Country Financial COUNTRY Financial is a group of US insurance and financial services companies with customers in 39 states. The group of companies offers a range of insurance and financial products and services, including auto, home, life, and commercial insurance, and retirement planning, investment management and trust services. The COUNTRY Financial group is ranked 657th in the 2017 Fortune 1000 list, which lists American companies by revenue. The corporate headquarters are in Bloomington, Illinois. The company was founded in 1925 when a group of Illinois Agricultural Association members developed an organization to provide fire and lightning insurance for farmers.
Country Financial
10245919
Country Financial COUNTRY Financial is a group of US insurance and financial services companies with customers in 39 states. The group of companies offers a range of insurance and financial products and services, including auto, home, life, and commercial insurance, and retirement planning, investment management and trust services. The COUNTRY Financial group is ranked 657th in the 2017 Fortune 1000 list, which lists American companies by revenue. The corporate headquarters are in Bloomington, Illinois. The company was founded in 1925 when a group of Illinois Agricultural Association members developed an organization to provide fire and lightning insurance for farmers. In
Country Financial
9375815
walk-in offices near the border, and over the internet. Under Mexico's driving system, those deemed to be at fault in an auto accident are guilty until proven innocent. If injuries have been sustained, those at fault are then responsible for not only medical expenses but also providing financial support for the injured parties and their families until they recover. Mexican auto insurance (tourist) Mexican auto insurance provides vehicle insurance for tourists driving in Mexico. This type of insurance was created because U.S. insurance policies are not recognized by authorities in Mexico in the event of an accident. A liability-only policy
Mexican auto insurance (tourist)
5698606
consumer advocates note that while some states do require that dealers offer VIN etching, no states require that consumers purchase it from the dealer. Consumers who want to have the VIN etched on their vehicle windows but are unable to find a free etching service in their area can often save hundreds of dollars over the dealership fee by using a do-it-yourself VIN etching kit purchased from an Internet retailer or a local auto parts dealer, for as little as $20–25. VIN etching VIN etching is a countermeasure to motor vehicle theft, that involves etching a vehicle's VIN onto its
VIN etching
11626839
Public auto insurance Public auto insurance is a government-owned and -operated system of compulsory automobile insurance used in the Canadian provinces of British Columbia, Saskatchewan, Manitoba, and Quebec. It is based on the idea that if motorists are compelled to purchase auto insurance by the government, the government ought to ensure motorists pay fair premiums and receive high-quality coverage. Governments across the country have used various insurance schemes - from full tort to full no-fault - in pursuit of this goal. Public auto insurers in Canada have historically operated on a not-for-profit basis. The exception to this is the Insurance
Public auto insurance
5149862
first-party basis, without regard to liability. Again, it is only available in certain states. A pedestrian struck by a vehicle is covered under that vehicles liability. Many states that do not have PIP have auto medical payments (AMP) coverage, and some states have both. AMP is also a first-party coverage, without regard to liability, but is only subrogable in a few states, and generally optional. AMP and PIP limits range from $1,500 to $250,000 depending on the injury and the state, though many insurance providers have a relatively low limit of $5,000. A Michigan no-fault policy provides unlimited medical and
Personal injury protection
17669921
Shipping insurance Shipping insurance is a service which may reimburse senders whose parcels are lost, stolen, and/or damaged in transit. In Canada and the US, shipping insurance is sold by postal services, courier companies, and shipping-insurance companies. Not all insurers will insure all goods. For example, postal services will not insure certain economy-class parcels, though other insurers often will. When practical, self-insurance is normally more economical than paying for insurance. See Insurance#Limited consumer benefits. High value items may require insurance against loss in transit. Some carriers provide limited liability coverage as part of the conditions of carriage. Review of the
Shipping insurance
6459085
so as to assure the child of "frequent and continuing contact" with both parents. For example, U.S. states such as Alabama, California, and Texas do not necessarily require joint custody orders to result in substantially equal parenting time, whereas states such as Arizona, Georgia, and Louisiana do require joint custody orders to result in substantially equal parenting time where feasible. Courts have not clearly defined what "significant periods" and "frequent and continuous contact" mean, which requires parents to litigate to find out. It is important to note that joint physical custody and joint legal custody are different aspects of custody,
Child custody
19676940
higher use of stingrays. According a member of the Baltimore Police Department, the agency used stingrays 4,300 times since 2007. The official position of the US Federal government is that the use of Stingrays does not require a probable cause warrant, because they claim Stingrays are a kind of pen register tap, which do not require a warrant, as decided in Smith v. Maryland. The government notes that they do not intercept the actual conversation, only tracking identity of the phone and its location. The devices do have the technical capability to record the content of calls, so the government
Stingray use in United States law enforcement
1800623
accept the nominations and award. The critically acclaimed album contains O'Connor's most famous single, "Nothing Compares 2 U", which was one of the best selling singles in the world in 1990, topping the charts in many countries including the United States, United Kingdom and Canada. This rendition of the Prince song reflected on O'Connor's mother who lost her life in an auto accident five years earlier. The single "Emperor's New Clothes" found more moderate success, although it did top the Modern Rock Tracks chart in the US. The album includes O'Connor's rendition of "I Am Stretched on Your Grave", an
I Do Not Want What I Haven't Got
7945188
Acuity Insurance Acuity Insurance is an insurance company headquartered in Sheboygan, Wisconsin. The company is the 56th-largest insurer in the United States. Acuity Insurance operates in 27 states, generates over $1.5 billion in revenue through 1,000 independent agencies, manages over $4 billion in assets, and employs approximately 1,300 people. Acuity Insurance is rated A+ (Superior) by A.M. Best and also receives an A+ rating from Standard and Poor's. The company began as the Mutual Auto Insurance Company of the Town of Herman in 1925 (in the unincorporated village of Franklin in Sheboygan County). The name was changed to Mutual Auto
Acuity Insurance
4375237
Life and Casualty Operations, and Balboa Reinsurance Company. Balboa Life and Casualty Group underwrite property, casualty, life and credit insurance in all 50 states. Its products include Lender-Placed Property and Auto, which includes lender-placed auto insurance and lender-placed, real-property hazard insurance; Voluntary Homeowners and Auto, which underwrites retail homeowners insurance and home warranty plans for consumers, and Life and Credit, which underwrites term life, credit life and credit disability insurance products. Balboa Reinsurance Company provides a mezzanine layer of reinsurance coverage for losses between minimum and maximum specified amounts to the insurance companies that provide private mortgage insurance (PMI) on
Bank of America Home Loans
5142599
Insurance premiums are sold by car dealers in the UK. Claims ratios for GAP insurance (the amount paid out in comparison to premiums paid) were just 10% between 2008 and 2012, meaning that just £10.00 was paid out for every £100.00 paid in premiums. The poor value for money being given to consumers prompted the FCA to require the following: GAP insurance Guaranteed Auto Protection (GAP) insurance (also known as "GAPS") was established in the North American financial industry. GAP insurance is the difference between the actual cash value of a vehicle and the balance still owed on the financing
GAP insurance
5142595
GAP insurance Guaranteed Auto Protection (GAP) insurance (also known as "GAPS") was established in the North American financial industry. GAP insurance is the difference between the actual cash value of a vehicle and the balance still owed on the financing (car loan, lease, etc.). GAP coverage is mainly used on new and used small vehicles (cars and trucks) and heavy trucks. Some financing companies and lease contracts require it. GAP insurance covers the amount on a loan that is the difference between the amount owed and the amount covered by another insurance policy. Some GAP policies also cover the deductible.
GAP insurance
20380170
in July 2015 in Texas, California, and Florida. The company established relationships with auto insurance carriers and auto insurance brokers that allowed them to provide personalized insurance quotes based on a user's profile, vehicle, and driving history. By January 2016, Insurify had expanded coverage to 30 states. The website lets users type in their zip code, answer questions about their car(s) and driving record and compare auto insurance quotes from major insurance carriers including Liberty Mutual, Metlife, The Travelers Companies, Safeco, The General and Nationwide Mutual Insurance Company. In October 2016, Insurify raised $4.6M of funding in a seed round,
Insurify
3423043
not life-threatening. Healthcare is one of the most expensive items of both nations' budgets. In the United States, the various levels of government spend more per capita than levels of government do in Canada. In 2004, Canada government-spending was $2,120 (in US dollars) per person, while the United States government-spending $2,724. A 1999 report found that after exclusions, administration accounted for 31.0% of healthcare expenditures in the United States, as compared with 16.7% in Canada. In looking at the insurance element, in Canada, the provincial single-payer insurance system operated with overheads of 1.3%, comparing favourably with private insurance overheads (13.2%),
Comparison of the healthcare systems in Canada and the United States
5259388
EU/EEA state are not absolute. To reside in another EU/EEA state, one must either be working, job-hunting, a student, or otherwise have sufficient financial resources and health insurance to ensure they do not become a burden on the social services of the host country. States may also require nationals of other EU/EEA states to register their presence with the authorities after a certain period of time. EU/EEA states may deport nationals of other EU/EEA states and issue exclusion orders against them on grounds of public policy, public security, or public health. For example, those who commit serious crimes or come
Right of abode
2428151
subscribe to or do not have access to health care through their employer. To help people who are denied coverage by insurance companies due to pre-existing conditions, McCain proposed working with states to create what he calls a "Guaranteed Access Plan". Barack Obama called for universal health care. His health care plan proposed creating a National Health Insurance Exchange that would include both private insurance plans and a Medicare-like government run option. Coverage would be guaranteed regardless of health status, and premiums would not vary based on health status either. It would have required parents to cover their children, but
2008 United States presidential election
10339026
of the mortgage insurance is passed on to the borrower as an added expense to their monthly payment, but some banks allow what is called lender paid insurance, where the interest rate is higher in exchange for the lender paying the mortgage insurance. All government loans such an FHA and VA require mortgage insurance, regardless of the LTV. Fannie Mae and Freddie Mac are the two largest companies that purchase mortgages from other lenders in the United States. Many lenders will underwrite their files according to their guidelines, but to ensure the eligibility to be purchased by Fannie Mae and
Mortgage underwriting in the United States
7726478
causes of the fire. Some electrical means of ignition, when discovered, are fairly obvious to an origin and cause investigator and most likely do not require consulting with a forensic electrical engineer. (Note that "arson" refers specifically to a criminal act, subject to criminal prosecution; a more general term is a "set fire". A homeowner setting a fire deliberately in order to defraud an insurance company might be prosecuted for arson by a government body; however, the insurance company would concern itself only with denying the insurance claim, possibly leading to a civil lawsuit.) Patent disputes may also require the
Forensic electrical engineering
6317351
is sold each year. In addition, often separate insurance can be purchased for specific costs such as: Certain countries will require that you have purchased sufficient coverage should something happen while you are traveling to that country. Those governments do not want to be burdened with the costs of your medical care and will require you to have a suitable plan meeting certain minimum requirements. The common exclusions in travel insurance policies include pre-existing medical conditions, unlicensed operation of a vehicle, travelling for the purpose of receiving medical treatment, elective surgery or treatment, or injury or illness caused by alcohol,
Travel insurance
4348097
addition to liability insurance. Zipcars traveling into Canada from the U.S. require members to obtain a special insurance card from Zipcar. Canadian Zipcars traveling into the U.S. do not need the extra insurance card. Similar to members of Zipcar U.S., members of Zipcar London, UK, require a special 'vehicle on-hire' certificate when traveling abroad, which can be obtained from Zipcar. Zipcar Zipcar is an American car-sharing company and a subsidiary of Avis Budget Group. Zipcar provides automobile reservations to its members, billable by the minute, hour or day; members may have to pay a monthly or annual membership fee in
Zipcar
14033407
orientation identities, not just those participating in heterosexual sexual activities. Studies have shown that many schools do not offer such educational tracks today, possibly due to a controversy in the field of sex education regarding whether or not LGBT education should be integrated into course curriculum. The lack of information distributed regarding mentally and physcially healthy LGBT relationships can also be attributed to the ongoing stigma surrounding queerness in the US, especially as related to adolescents. In the United States, 13 states require discussion of sexual orientation in sex education. Of those 13 states, 9 require discussion of sexual orientation
Sex education in the United States
9746202
of the countries to which the vessel will travel. Private war risk insurance policies for aircraft were temporarily cancelled following the September 11, 2001 attacks and later reinstated with substantially lower indemnities. In the wake of this cancellation, the US federal government set up a terror insurance program to cover commercial airlines. The International Air Transport Association has argued that airlines operating in states which do not provide war risk insurance are at a competitive disadvantage in this area. A detailed study of the Insurance of War Risks and Terrorism, including related perils such as Strikes, Riots, Civil Commotion, and
War risk insurance
4085393
voter intent if the machine has been corrupted or suffered malfunction. A fundamental hurdle in the implementation of paper audit trails is the performance and authority of the audit. Paper audit systems increase the cost of electronic voting systems, can be difficult to implement, often require specialized external hardware, and can be difficult to use. In the United States, 27 states require a paper audit trail by statute or regulation for all direct recording electronic voting machines used in public elections. Another 18 states do not require them but use them either statewide or in local jurisdictions. Five US states
Voter-verified paper audit trail
13418174
Reno v. Condon Reno v. Condon, 528 U.S. 141 (2000), was a case in which the Supreme Court of the United States upheld the Driver's Privacy Protection Act of 1994 (DPPA) against a Tenth Amendment challenge. State departments of motor vehicles (DMVs) require drivers and automobile owners to provide personal information, which may include a person's name, address, telephone number, vehicle description, Social Security number, medical information, and photograph, as a condition of obtaining a driver's license or registering an automobile. Finding that many States sell this information to individuals and businesses (particularly direct marketing and auto insurance companies) for
Reno v. Condon
3082656
Toronto, and five salvage locations (auto wrecker, used parts). Saskatchewan Government Insurance Saskatchewan Government Insurance (SGI) was created in 1945 and is a provincial Crown corporation that has been developed over the years into two linked operations. The Saskatchewan Auto Fund is the province's compulsory public auto insurance program, operating the driver's licensing and vehicle registration system. The Auto Fund is financially self-sustaining, operating on a break-even basis over time. The Saskatchewan Auto Fund does not receive money from or pay dividends to the government. SGI CANADA sells property and casualty insurance on properties such as homes, farms, businesses and
Saskatchewan Government Insurance
7599487
that are linked with Compacts of Free Association. Citizens of these jurisdictions are generally not required to apply for visas or pre-approval registrations prior to arrival. Citizens of the following countries, linked with the U.S. by the Compacts of Free Association, do not require a visa to enter, reside, study, and work indefinitely in the United States: Currently, 38 countries and territories have been selected by the US government for inclusion in the Visa Waiver Program and their citizens do not need to acquire a US visa. However, citizens of these countries are required to obtain an electronic authorization (ESTA)
Visa policy of the United States
15642881
to the states regulations. On October 9, 1917 the Mutual Auto Theft Insurance Company and the Mutual Auto Fire Insurance Company were chartered. In 1922 after changes in state regulations and increased business by automobile owners the Harleysville Mutual Casualty Company was formed. In 1933 they merged with the Auto Theft Company. Over the coming years the company made strives to predict market trends and to keep ahead of those trends. In 1956 it changed its name again to Harleysville Mutual Insurance Company. It opened up Harleysville Life Insurance Company in 1960 which wrote life and disability insurance along with
Harleysville Group
3200553
trucks owned by businesses primarily through the independent agency channel. The Other-indemnity segment provides professional liability insurance to community banks, principally directors, and officers liability insurance. It also provides insurance-related services, primarily providing policy issuance and claims adjusting services in 25 states for Commercial Auto Insurance Procedures/Plans. In 2011, the company was ranked 164 in the Fortune 500. Progressive is one of the largest auto insurers in the United States, with over 13 million policies in force, along with State Farm, Allstate, GEICO, Nationwide Mutual Insurance Company, Farmers Insurance Group, and USAA. Progressive primarily offers its services through the Internet
Progressive Corporation
11702624
personal property (such as appliances and furnishings). The owner's liability may be extended from their own primary home insurance and, thus, may not comprise part of the Dwelling Fire policy. It should be noted that not all states allow the ISO forms to be utilized or may require that additional clauses are included to meet state insurance regulations. Typically consumers can save money by purchasing their insurance directly from a company rather than through an agent, but there are not many companies selling home insurance directly. However, an experienced agent can provide expertise (especially expertise with the local insurance environment)
Insurance in the United States
15274940
United States. SWBC Southwest Business Corporation (SWBC) is a diversified financial services company providing insurance, mortgage, and investment services to financial institutions, businesses, and individuals. Headquartered in San Antonio, Texas, SWBC employs nearly 2,600 people nationwide and is licensed to do business in all 50 U.S. states. SWBC is privately held by co-founders Chairman Charlie Amato and President Gary Dudley. Although privately held, a public accounting firm audits the company's operations and financials on an annual basis. SWBC offers insurance and financial products for financial institutions, businesses, and individuals. For financial institutions, SWBC provides auto, mortgage, and commercial loan portfolio
SWBC
8462409
Third, PNC Financial Services, Park National Corporation, and Commerce National Bank. In addition to Nationwide, other insurance-based companies in Central Ohio include Motorists Insurance, Grange Insurance, Safe Auto Insurance, and State Auto Insurance. The manufacturing sector includes Honda, which operates their largest North American manufacturing complex in the Marysville area. Also in Marysville is Scotts Miracle-Gro Company, the makers of Miracle Gro and various other soil and potting fertilizers. Located in downtown Columbus is AEP, which is one of the largest electric utility companies in the US. Mettler Toledo, a manufacturer of precision scales and scientific equipment, is based in
Columbus metropolitan area, Ohio
9759080
for by both public and private contributions. It would establish Healthy Americans Private Insurance Plans (HAPIs) and require those who do not already have health insurance coverage, and who do not oppose health insurance on religious grounds, to enroll themselves and their children in a HAPI. According to its sponsors, it would guarantee universal, affordable, comprehensive, portable, high-quality, private health coverage that is as good or better than Members of Congress have today; A 2008 preliminary analysis by the Congressional Budget Office concluded it would be "essentially" self-financing in the first year that it was fully implemented. Specific provisions include:
Healthy Americans Act
3082649
Saskatchewan Government Insurance Saskatchewan Government Insurance (SGI) was created in 1945 and is a provincial Crown corporation that has been developed over the years into two linked operations. The Saskatchewan Auto Fund is the province's compulsory public auto insurance program, operating the driver's licensing and vehicle registration system. The Auto Fund is financially self-sustaining, operating on a break-even basis over time. The Saskatchewan Auto Fund does not receive money from or pay dividends to the government. SGI CANADA sells property and casualty insurance on properties such as homes, farms, businesses and automobile insurance in five Canadian provinces. It operates as
Saskatchewan Government Insurance
13533772
insurance and mandating that people purchase private healthcare insurance. This is the first time that the Federal government has mandated people to buy insurance, although nearly all states in the union currently mandate the purchase of auto insurance. The legislation also taxes certain very high payout insurance policies (so-called "Cadillac policies") to help finance subsidies for poorer citizens. These will be offered on a sliding scale to people earning less than four times the federal poverty level to enable them to buy health insurance if they are not otherwise covered by their employer. The issue of concentration of power by
Healthcare reform debate in the United States
13839724
Every two years, the doctors and the health ministry negotiate a fixed price for every procedure and every drug. That helps keep premiums to around $280 a month for the average Japanese family." Insurance premiums are set by the government, with guaranteed issue and community rating. Insurers are not allowed to deny claims or coverage, or to make profits (net revenue is carried over to the next year, and if the carryover is large, the premium goes down). Around 10% evade the compulsory insurance premium; municipal governments do not issue them insurance cards, which providers require. Voluntary private insurance is
Health insurance mandate
7758827
to occur gradually over the course of five years. FEMA was also instructed to do a study on the affordability of this process, a study which it has failed to complete. In January 2014, the United States Senate passed the Homeowner Flood Insurance Affordability Act of 2014 (S. 1926; 113th Congress). That bill would delay the increases in flood insurance premiums that were part of the Biggert–Waters Flood Insurance Reform Act of 2012. The reforms from that law were meant to require flood insurance premiums to actually reflect the real risk of flooding, which led to an increase in premiums.
National Flood Insurance Act of 1968
10339025
the interest due on loan. Therefore, the interest that is not paid is subsequently added to the principal balance of the loan. In this case, it is possible to owe more than the value of the home during the course of the loan, which exposes the lender to the highest risk. To offset the risk of high LTV’s, the lender may require what is called mortgage insurance. Mortgage insurance insures the lender against losses that may occur when a borrower defaults on his or her mortgage. Typically, this is required on loans that have LTV’s that exceed 80%. The cost
Mortgage underwriting in the United States
6008004
patent infringement lawsuit against Liberty Mutual over one of Progressive’s Pay As You Drive auto insurance patents. In September 2010 Progressive Auto Insurance filed a declaratory judgment lawsuit against Hughes Telematics to have several its patents covering OBDII mounted wireless data loggers declared invalid. Progressive uses these devices from a competitive supplier, Xirgo Technologies. Telematics have been proposed or utilised in order to detect distracted driving. The use of telematics to detect drunk driving and Texting while driving has been proposed. A US patent application combining this technology with a usage based insurance product was open for public comment on
Usage-based insurance
922387
methods are well established, but, unlike the short-range protocols, these methods require extensive and very expensive infrastructure deployment. There is lack of consensus as to what business model should support this infrastructure. Auto insurance companies have utilised ad hoc solutions to support eCall and behavioural tracking functionalities in the form of Telematics 2.0. Recent advances in vehicle electronics have led to a move towards fewer, more capable computer processors on a vehicle. A typical vehicle in the early 2000s would have between 20 and 100 individual networked microcontroller/Programmable logic controller modules with non-real-time operating systems. The current trend is toward
Intelligent transportation system
13458423
1935 Corporate headquarters: Düsseldorf, Germany Management Board: Employees: 3,484 (2009) Revenue: 1.469 bn € (2011) Business sector: Insurance Website: www.arag.com The ARAG Group was founded in 1935 as legal insurance company under the name of Deutsche Auto-Rechtsschutz-AG (DARAG) by the Düsseldorf entrepreneur and attorney Heinrich Fassbender. With that venture, Faßbender opened the door to a lucrative field of business. His founding principle: ""All citizens should be able to assert their rights, not only those who can afford to do so.”" Following the expansion of legal insurance beyond the boundaries of straight automotive legal insurance (1949), the company branched out into
ARAG SE
11994243
medical attention, which would not be accessible without health insurance. More than 10 million children in the United States meet the federal definition of children with special health care needs "who have or are at increased risk for a chronic physical, development, behavioral, or emotional condition and who also require health and related services of a type or amount beyond that required by children generally". These children require health related services of an amount beyond that required by the average children in America. Typically when children acquire health insurance, they are much less likely to experience previously unmet health care
Health insurance coverage in the United States