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The Public Interest Now in Property and Liability Insurance Regulation

Author: New York (State). Insurance Department
Publisher:
ISBN:
Category : Automobile insurance
Languages : en
Pages : 162

Book Description

Fair Rate of Return in Property-Liability Insurance

Author: J. David Cummins
Publisher: Springer Science & Business Media
ISBN: 9401577536
Category : Business & Economics
Languages : en
Pages : 164

Book Description
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.

Insurance Deregulation and the Public Interest

Author: Scott E. Harrington
Publisher: American Enterprise Institute
ISBN: 9780844771489
Category : Business & Economics
Languages : en
Pages : 76

Book Description
This study outlines the compelling case for widespread deregulation of property-liability insurance rates and forms.

Insurance Law and Policy

Author: Tom Baker
Publisher: Aspen Publishing
ISBN: 1543831028
Category : Law
Languages : en
Pages : 1038

Book Description
A contemporary, easy-to-teach text by the Reporters for the new Restatement of the Law Liability Insurance, this casebook invites students and teachers to re-imagine the field of Insurance Law. The authors demonstrate the big-picture role of insurance law and policy in American business and society, exploring federal-state regulatory roles in depth as well as the traditional topics covered in casebooks. Insurance Law and Policy: Cases and Materials uses more statutory material than any other casebook, with statutes typically presented through problems. Manageable assignments contain one major case followed by informative notes, questions and a problem. This text appeals to Insurance teachers as well as teachers of Torts and Contracts considering a new course. The Teacher’s Manual—with case briefs, backgrounds on selected cases, simple diagrams that explain complex issues, and answers to questions and problems—is especially useful for instructors new to the course. New to the Fifth Edition: Expanded coverage of the role of insurance in disasters and catastrophes, including the COVID-19 pandemic Extensive treatment of the now-finalized Restatement of the Law, Liability Insurance Reorganization of the liability insurance chapters to facilitate more step-by-step learning Replacement of a few difficult-to-teach cases with new, more straightforward cases Professors and student will benefit from: Focus on the big picture of federal-state regulatory roles in addition to the traditional insurance coverage topics addressed in other Insurance Law casebooks Extensive use of statutory materials, with statutes typically presented through carefully-constructed problems Manageable assignments structured with one major case, informative notes, questions, and a problem Interesting, up-to-date cases, with context-setting introductions, on topics such as cyber insurance, the role of private insurance in responding to public catastrophes, and the new Restatement of the Law Liability Insurance Cases are longer, providing students better grounding in the art of extracting useful knowledge from judicial opinions Elimination of some of the arcane aspects of insurance law in favor of presenting a broad and conceptual overview of the field

The Regulation of Insurance

Author: Justin L. Brady
Publisher:
ISBN:
Category : Law
Languages : en
Pages : 212

Book Description

Price Discrimination in Property and Liability Insurance

Author: Chester Arthur Williams
Publisher:
ISBN:
Category : Business & Economics
Languages : en
Pages : 118

Book Description
Price Discrimination in Property and Liability Insurance was first published in 1959. Minnesota Archive Editions uses digital technology to make long-unavailable books once again accessible, and are published unaltered from the original University of Minnesota Press editions.This booklet provides a detailed study of the factors which enter into price discrimination in property and liability insurance. The regulations which control these insurance prices rest with the state governments and vary, therefore, from one state to the next. After discussing the question of what constitutes price discrimination in this field, Professor Williams examines the regulatory statutes of various states and the administration of these statutes.This is number 19 in the series, University of Minnesota Studies in Economics and Business.

Model Rules of Professional Conduct

Author: American Bar Association. House of Delegates
Publisher: American Bar Association
ISBN: 9781590318737
Category : Law
Languages : en
Pages : 216

Book Description
The Model Rules of Professional Conduct provides an up-to-date resource for information on legal ethics. Federal, state and local courts in all jurisdictions look to the Rules for guidance in solving lawyer malpractice cases, disciplinary actions, disqualification issues, sanctions questions and much more. In this volume, black-letter Rules of Professional Conduct are followed by numbered Comments that explain each Rule's purpose and provide suggestions for its practical application. The Rules will help you identify proper conduct in a variety of given situations, review those instances where discretionary action is possible, and define the nature of the relationship between you and your clients, colleagues and the courts.