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Facts + Statistics: Auto insurance
December 8, 2025

... with a $500 deductible for collision and comprehensive claims. These figures are not comparable with the National Association of ... Tables //--> Auto claims Liability insurance pays for the policyholder’s legal ...   (1) For all limits combined. Data are for paid claims. (2) Excludes Massachusetts and most states with no-fault automobile ...


Nine ways to lower your auto insurance costs
November 21, 2025

... of risk. Those with higher insurance scores file less claims and vice versa. To protect your credit standing, pay your bills on ...


Facts + Statistics: Homeowners and renters insurance
November 20, 2025

... theft, accounted for 97.3 percent of homeowners insurance claims in 2023 (latest data available). Changes in the percentage of each type ... are two ways of looking at losses: by the average number of claims filed per 100 policies (frequency) and by the average amount paid for ...


Understanding the insurance claims payment process
May 1, 2025

... and file for an additional amount. Most policies require claims to be filed within one year from the date of disaster; check with your ... backer is a co-insured, they will have to endorse the claims payment check before you can cash it. Depending on the ...   Next steps: We can't reinforce it enough - claims are easier to make when you have a home inventory ready ! ...


How legal system abuse drives social inflation
July 17, 2022

... practices which increase costs and time to settle insurance claims. While litigation is considered a policyholder’s last resort, legal ... has found. Legal system abuse refers to disputed insurance claims which could have been resolved without litigation. ...


Triple-I: Homeowners ̽»¨¾«Ñ¡ Market Shows Early Signs of Stabilization as Post-COVID Inflation Pressures Level-Set Into ‘New Normal’ For Risk Pricing
December 17, 2025

... for consumers. Insurers must remain strong enough to pay claims promptly after disasters, maintain coverage in high-risk regions, and ... A stable market supports consumers by promoting reliable claims-paying ability, encouraging continued investment in risk mitigation, and ...


Employment practices liability insurance
November 21, 2025

... Liability ̽»¨¾«Ñ¡ (EPLI) covers businesses against claims by workers that their legal rights as employees have been violated. These claims can include: Sexual harassment Discrimination Wrongful ...


What is employment practices liability insurance (EPLI)?
November 21, 2025

... Liability ̽»¨¾«Ñ¡ (EPLI) covers businesses against claims by workers that their legal rights as employees have been violated. These claims can include: Sexual harassment Discrimination Wrongful ...


What determines the price of an auto insurance policy?
November 19, 2025

... can vary from by location are: volume of litigated accident claims, repair costs, prevalence of auto insurance fraud and severe weather ...


Which disasters are covered by homeowners insurance?
November 19, 2025

... — and insurers are increasingly denying claims based on neglected maintenance. Sewer backup remains typically ... disaster? We're sorry—but maybe these tips will make the claims process easier for you . ...