Download at

Size: px
Start display at page:

Download "Download at www.iii.org/presentations"

Transcription

1 Residual Markets, Uninsured Motorists and Competition in Maryland Auto Insurance Maryland Auto Insurance Plan Senate Hearing on Uninsured Motorists Annapolis, MD December 16, 2015 Download at Robert P. Hartwig, Ph.D., CPCU, President & Economist Insurance Information Institute 110 William Street New York, NY Tel: Cell:

2 Executive Summary: Residual Markets and Uninsured Motorists in Maryland 99% of all private passenger motor vehicles insured in Maryland are insured in the private market (as of 2013) Only 1% are insured by the state residual market (same as the US overall) MAIF s market share has shrunk from 3.7% in 2004 to 1.0% in 2013 Very small market share in the market of last resort is indicative of healthy and strong pvt. insurer competition, sophisticated underwriting In 2014, a total of 59 insurers were offering pvt. pass. auto insurance in MD The number of vehicles insured by MAIF plunged by 70.5% from 2004 to 2013, a decline of 96,668 (from 137,168 in 2004 to 40,500 in 2013) The Uninsured Motorist Percentage in Maryland fell from 14.9% in 2009 to 12.2% in 2012 (latest available, Insurance Research Council) Maryland s Uninsured Motorist percentage in 2012 was lower than the 12.6% recorded for the US overall Bottom Line: Residual Market and Uninsured Motorist trends in Maryland are favorable, suggesting that markets are healthy and competition is vigorous, even for riskier drivers 2

3 Maryland Private Passenger Auto Residual Market Overview Residual Market Shares in Maryland Have Been Shrinking 3

4 Private Pass. Vehicles in Residual Market Residual Market As % of Total Market Residual Market - Maryland 250, , , ,000 50, % 83, % 55, % 72, % 104, %3.5% 3.7% 127, , , % 100, % 2.0% 1.9%1.8% 1.8% 83,931 76,658 73,328 MD s residual market population fell by 71% (nearly 100,000 drivers) from ,280 71, % 1.1%1.0% 49,615 43,289 40, % 3.5% 3.0% 2.5% 2.0% 1.5% 1.0% 0.5% 0.0% SOURCES: AIPSO Fact Books, Insurance Information Institute. The Residual Market Has Been Shrinking in Maryland and Across Most of the Country. 4

5 Private Pass. Vehicles in Residual Market Residual Market As % of Total Market Residual Market USA* 5,000,000 4,500,000 4,000,000 3,500,000 3,000,000 2,500,000 2,000,000 1,500,000 1,000, , % 3,389, % 2,443, % 1.5%1.6% 1.6% 1.5% 1.3% 1.2% 0.9% 1.1%1.0% 1.0% 1.0% 1.0% 1.0% 2,179,417 2,455,399 2,650,052 2,750,080 2,659,724 2,345,192 2,145,489 1,972,673 The US residual market population fell by 28% from compared to 71% in MD 1,809,252 1,727,811 1,899,121 1,931,791 1,871,565 1,963, % 2.0% 1.5% 1.0% 0.5% 0 0.0% *Excludes Texas No Data After SOURCES: AIPSO Fact Books, Insurance Information Institute. The Residual Market Has Been Shrinking in Maryland and Across Most of the Country 5

6 Residual Market As % of Total Market Residual Market MD vs. US* 4.0% 3.5% 3.0% 2.5% 2.0% 3.7% 3.5% 3.5% MD USA ex Texas 3.0% 2.7% 2.6% 2.2% 2.2% 2.0% 2.2% 1.9% 1.8% 1.8% 1.7% MD s residual market population fell by 71% from , bringing the state s residual market share in line wth the US 1.5% 1.0% 0.5% 1.3% 1.6% 1.1% 1.4% 1.5% 1.6% 1.6% 1.5% 1.0% 1.3% 1.2% 1.1% 1.0% 0.9% 1.0% 1.0% 1.0% 1.0% 0.0% The Residual Market Has Been Shrinking in Maryland and Across the Country. North Carolina Remains an Outlier. *Excludes Texas No Data After SOURCES: AIPSO Fact Books, Insurance Information Institute. 6

7 Maryland Private Passenger Uninsured Motorist Analysis Uninsured Motorist Shares in Maryland Has Been Shrinking 7

8 (%) Estimated Percentage of Uninsured Motorists by State, 2012: Highest 25 States* MD s share of uninsured motorists was slightly below the US in 2012 and down substantially from 14.9% in OK FL (1) MS NM MI TN AL RI CO WA AR KY CA IN MT LA MO OH IL TX AK US MD NV DC GA *Percentage of uninsured drivers, as measured by the ratio of uninsured motorists (UM) claims to bodily injury (BI) claims frequencies. (1) In Florida, compulsory auto laws apply to personal injury protection (PIP) and physical damage, but not to third party bodily injury coverage. Source: Insurance Research Council; Insurance Information Institute. 8

9 (%) Estimated Percentage of Uninsured Motorists by State, 2012: Lowest 25 States* WI DE MN AZ NJ VA IA KS NH NC OR HI WY VT WV CT SD SC ID NE PA ND UT NY ME MA *Percentage of uninsured drivers, as measured by the ratio of uninsured motorists (UM) claims to bodily injury (BI) claims frequencies. Source: Insurance Research Council. 9

10 Uninsured Driver Percentage: United States, * Residual Market As % of Total Market 17% 16% 16.3% 15.1% 16.0% 15% 14% 13% 15.4% 15.6% 15.1% 14.2% 13.8% 13.2% 13.0% 14.9% 14.5% 14.6% 14.3% 14.6% 14.2% 14.3% 13.8% 13.4% 13.8% 12.6% 12% 12.8% 12.3% 12.2% 11% 10% Over the Past Three Decades, the Percentage of Uninsured Motorists Has Been Shrinking Across the Country. *Latest available. SOURCE: Insurance Research Council; Insurance Information Institute. 10

11 Uninsured Motorist Share, Maryland vs. US, % 15% 14% 14.3% US Maryland 14.9% 13.8% Maryland s uninsured motorist share was below the US overall (per the most recent data available) 13% 12.7% 12.6% 12.2% 12% 11% 10% Source: Insurance Research Council (latest available); Insurance Information Institute. 11

12 Strategies for Reducing the Uninsured Motorist Population Education Educating drivers as to their legal requirement to carry auto liability insurance is an important factor in achieving the goal of low r are insured by the state residual market (same as the US overall No Pay, No Play Laws Laws that prevent uninsured motorists from collecting compensation for noneconomic damages arising from a traffic accident with an insured, atfault driver Logic is that if you violate the law and are driving illegally without insurance there should be no recovery for noneconomic damages Theory and empirical evidence (IRC) suggest such laws do reduce uninsured motorist rates Enforcement and Penalties Stringent enforcement is necessary to reduce flaunting of the law Should be backed with appropriate penalties 12

13 SUMMARY Maryland s residual market population and share have experienced significant shrinkage in recent years (from 3.7%% in 2004 to 1.0% in 2012) This is indicative of strong competition among private passenger auto insurers for event the riskiest drivers (59 pvt. passenger auto insurers competed for business in the state in 2014) 99% of drivers are covered in the voluntary market by private insurers A small residual market is a critical part of a healthy, competitive private market; A true market of last resort Maryland s uninsured motorist percentage has declined significantly as well (from 14.9% in 2009 to 12.2% in 2012); Now below US average Education and Enforcement are keys to keeping the down proportion of uninsured motorists on the road No Pay, No Play laws can help QUESTIONS? 13

14 Insurance Information Institute Online: Thank you for your time and your attention! Download at 14

Federation of State Boards of Physical Therapy Jurisdiction Licensure Reference Guide Topic: Licensure Endorsement

Federation of State Boards of Physical Therapy Jurisdiction Licensure Reference Guide Topic: Licensure Endorsement The table below lists the licensure requirements for already-licensed PTs and PTAs applying for licensure in another jurisdiction. Summary Number of jurisdictions requiring license from: license was ever

More information

U.S. Department of Housing and Urban Development: Weekly Progress Report on Recovery Act Spending

U.S. Department of Housing and Urban Development: Weekly Progress Report on Recovery Act Spending U.S. Department of Housing and Urban Development: Weekly Progress Report on Recovery Act Spending by State and Program Report as of 3/7/2011 5:40:51 PM HUD's Weekly Recovery Act Progress Report: AK Grants

More information

Other State Policy. CA Policy. Increase Requested

Other State Policy. CA Policy. Increase Requested Rate History Contact: 1 (800) 331-1538 Form * ** Date Date Name 1 NH94 I D 9/14/1998 N/A N/A N/A 35.00% 20.00% 1/25/2006 3/27/2006 8/20/2006 2 LTC94P I F 9/14/1998 N/A N/A N/A 35.00% 20.00% 1/25/2006 3/27/2006

More information

Federation of State Boards of Physical Therapy Jurisdiction Licensure Reference Guide Topic: Jurisprudence Exams

Federation of State Boards of Physical Therapy Jurisdiction Licensure Reference Guide Topic: Jurisprudence Exams Federation of s of Physical Therapy Topic: Exams This table provides additional information on how jurisdictions use jurisprudence exams and the format of the exams for PTs seeking initial licensure or

More information

Employee Access to Social Media Passwords & Usernames

Employee Access to Social Media Passwords & Usernames Employee Social Media Passwords & Usernames WA MT ND VT ME CA OR NV ID UT WY CO SD NE KS MN IA MO WI IL MI OH IN KY WV PA VA NY DE MD NH MA RI CT NJ TN NC AZ NM OK AR SC MS AL GA Legislation Enacted TX

More information

New York Public School Spending In Perspec7ve

New York Public School Spending In Perspec7ve New York Public School Spending In Perspec7ve School District Fiscal Stress Conference Nelson A. Rockefeller Ins0tute of Government New York State Associa0on of School Business Officials October 4, 2013

More information

Private Passenger Auto Insurance in North Carolina:

Private Passenger Auto Insurance in North Carolina: Private Passenger Auto Insurance in North Carolina: Trends, Challenges & Comparisons with National & Regional Markets 2012 North Carolina Insurance Symposium UNC-Charlotte and Appalachian State University

More information

Federation of State Boards of Physical Therapy Jurisdiction Licensure Reference Guide Topic: Temporary Licensure. Candidates retaking the examination

Federation of State Boards of Physical Therapy Jurisdiction Licensure Reference Guide Topic: Temporary Licensure. Candidates retaking the examination The tables below report whether jurisdictions issue s for s, for what categories and for how long. Summary Jurisdictions offering 34 Category: 16 Category: 30 Category: Educated s seeking US licensure

More information

Regional Electricity Forecasting

Regional Electricity Forecasting Regional Electricity Forecasting presented to Michigan Forum on Economic Regulatory Policy January 29, 2010 presented by Doug Gotham State Utility Forecasting Group State Utility Forecasting Group Began

More information

Accepts NAUPA format files

Accepts NAUPA format files AL Alabama liquidates securities upon receipt. Therefore, when exchanging to other states, sale proceeds will typically constitute property d to other states. Alabama does accept, as noted, unclaimed property

More information

ehealth Price Index Trends and Costs in the Short-Term Health Insurance Market, 2013 and 2014

ehealth Price Index Trends and Costs in the Short-Term Health Insurance Market, 2013 and 2014 ehealth Price Index Trends and Costs in the Short-Term Health Insurance Market, 2013 and 2014 June 2015 1 INTRODUCTION In this report, ehealth provides an analysis of consumer shopping trends and premium

More information

State Corporate Income Tax-Calculation

State Corporate Income Tax-Calculation State Corporate Income Tax-Calculation 1 Because it takes all elements (a*b*c) to calculate the personal or corporate income tax, no one element of the corporate income tax can be analyzed separately from

More information

Accepts NAUPA format files

Accepts NAUPA format files State accepts property with last known address in another state State allows out-of state holders to remit property to holder's home state Accepts NAUPA format files Property types accepted for exchange

More information

TITLE POLICY ENDORSEMENTS BY STATE

TITLE POLICY ENDORSEMENTS BY STATE TITLE POLICY ENDORSEMENTS BY STATE State Endorsement ID Endorsement Description AK ARM ALTA 6 Adjustable (Variable) Rate AK BALLOON FNMA Balloon Endorsement AK CONDO ALTA 4 Condominium AK COPY FEE Copies

More information

NHIS State Health insurance data

NHIS State Health insurance data State Estimates of Health Insurance Coverage Data from the National Health Interview Survey Eve Powell-Griner SHADAC State Survey Workshop Washington, DC, January 13, 2009 U.S. DEPARTMENT OF HEALTH AND

More information

Florida Workers Comp Market

Florida Workers Comp Market Florida Workers Comp Market 10/5/10 Lori Lovgren 561-893-3337 Lori_Lovgren@ncci.com Florida Workers Compensation Rates 10-1-03 1-1-11 to 1-1-11* Manufacturing + 9.9% 57.8% Contracting + 7.3% 64.4 % Office

More information

Table 11: Residual Workers Compensation Insurance Market By Jurisdiction

Table 11: Residual Workers Compensation Insurance Market By Jurisdiction Table 11: Residual Workers Market By AL Yes/NCCI 3 Two declination AK Yes/NCCI Two declination AZ Yes/NCCI Three declination, including one from the State Fund Agent/ ()/ Access? 4 Recommend NWCRP Recommend

More information

Federation of State Boards of Physical Therapy Jurisdiction Licensure Reference Guide Topic: Continuing Competence

Federation of State Boards of Physical Therapy Jurisdiction Licensure Reference Guide Topic: Continuing Competence This document reports CEU requirements for renewal. It describes: Number of required for renewal Who approves continuing education Required courses for renewal Which jurisdictions require active practice

More information

Student Location and Movement

Student Location and Movement Student Location and Movement Analysis from By the Numbers: Matriculating Student Survey 2014 INTRODUCTION Each year, PAEA s Matriculating Student Survey (MSS) attempts to capture a snapshot of firstyear

More information

Effects of Booster Seat Laws on Injury Risk Among Children in Crashes

Effects of Booster Seat Laws on Injury Risk Among Children in Crashes Effects of Booster Seat Laws on Injury Risk Among Children in Crashes SAE Government / Industry Meeting Washington, DC January 26, 2012 Angela H. Eichelberger, Ph.D. Co-authors Aline O. Chouinard Jessica

More information

Table 12: Availability Of Workers Compensation Insurance Through Homeowner s Insurance By Jurisdiction

Table 12: Availability Of Workers Compensation Insurance Through Homeowner s Insurance By Jurisdiction AL No 2 Yes No See footnote 2. AK No Yes No N/A AZ Yes Yes Yes No specific coverage or rate information available. AR No Yes No N/A CA Yes No No Section 11590 of the CA State Insurance Code mandates the

More information

Federation of State Boards of Physical Therapy Jurisdiction Licensure Reference Guide Topic: Continuing Competence

Federation of State Boards of Physical Therapy Jurisdiction Licensure Reference Guide Topic: Continuing Competence This document reports CEU (continuing education units) and CCU (continuing competence units) requirements for renewal. It describes: Number of CEUs/CCUs required for renewal Who approves continuing education

More information

Florida Workers Compensation Market

Florida Workers Compensation Market Florida Workers Compensation Market Lori Lovgren Lori_Lovgren@NCCI.com 561-893-3337 Copyright 2011 National Council on Compensation Insurance, Inc. All Rights Reserved. Florida Workers Compensation Rates

More information

SEASON FINAL REGISTRATION REPORTS

SEASON FINAL REGISTRATION REPORTS Materials Included: 2014-2015 SEASON FINAL REGISTRATION REPORTS 2013-14 & 2014-15 Comparison by Group 2 2014-15 USA Hockey Member Counts 3 2014-15 8 and Under Report 4 2014-15 Players & Girls/Women by

More information

AmGUARD Insurance Company EastGUARD Insurance Company NorGUARD Insurance Company WestGUARD Insurance Company GUARD

AmGUARD Insurance Company EastGUARD Insurance Company NorGUARD Insurance Company WestGUARD Insurance Company GUARD About Us For over 30 years, we have protected the interests of the small- to mid-sized businesses that insure with us. At Berkshire Hathaway Insurance Companies, we dedicate our efforts in the areas that

More information

Notices of Cancellation / Nonrenewal and / or Other Related Forms

Notices of Cancellation / Nonrenewal and / or Other Related Forms Forms are listed alphabetically by form title. INDEX POLICY CODES 1. Auto 2. Fire and Multiple Peril 3. Liability 4. Property, other than Fire and Multiple Peril (e.g. Crime & Inland Marine) 5. Workers

More information

Presented by Leslie M. Greenwald, PhD RTI International National Health Policy Forum September 17, 2004 Washington, DC

Presented by Leslie M. Greenwald, PhD RTI International National Health Policy Forum September 17, 2004 Washington, DC Options for Medicare Advantage PPO Regions Presented by Leslie M. Greenwald, PhD RTI International National Health Policy Forum September 17, 2004 Washington, DC 1 Range of Options for MA Regions At the

More information

NAAUSA Security Survey

NAAUSA Security Survey NAAUSA Security Survey 1. How would you rate the importance of each of the following AUSA security improvements. Very important Somewhat important Not too important Not at all important Secure parking

More information

Cellphone and Texting Bans: Evidence of Effectiveness in the United States

Cellphone and Texting Bans: Evidence of Effectiveness in the United States Cellphone and Texting Bans: Evidence of Effectiveness in the United States Engaged Driving Symposium Washington, DC March 31, 2014 Anne T McCartt, PhD, David G. Kidd, PhD, Eric R. Teoh, MS Evaluating the

More information

Standardized Pharmacy Technician Education and Training

Standardized Pharmacy Technician Education and Training Standardized Pharmacy Technician Education and Training Kevin N. Nicholson, RPh, JD Vice President, Pharmacy Regulatory Affairs National Association of Chain Drug Stores May 19, 2009 Overview of how technicians

More information

The Lincoln National Life Insurance Company Variable Life Portfolio

The Lincoln National Life Insurance Company Variable Life Portfolio The Lincoln National Life Insurance Company Variable Life Portfolio State Availability as of 12/14/2015 PRODUCTS AL AK AZ AR CA CO CT DE DC FL GA GU HI ID IL IN IA KS KY LA ME MP MD MA MI MN MS MO MT NE

More information

Federation of State Boards of Physical Therapy Jurisdiction Licensure Reference Guide Topic: License Renewal Who approves courses?

Federation of State Boards of Physical Therapy Jurisdiction Licensure Reference Guide Topic: License Renewal Who approves courses? Federation of State s of Physical The table below provides information on approval of continuing education/competence courses and for each jurisdiction. Summary Number of jurisdictions requiring approval

More information

The Common Core Standards & Assessment Landscape. As of September 2015

The Common Core Standards & Assessment Landscape. As of September 2015 The Common Core Standards & Assessment Landscape As of September 2015 1 Status of Common Core State Standards Implementation as of Fall 2015 State never adopted CCSS (4) AK CA OR WA NV ID UT AZ MT State

More information

Additional Minimum Sanctions for High BAC Offenders (Jail Time and/or Fine or Other) What is the High BAC Level. No Statutory Provision

Additional Minimum Sanctions for High BAC Offenders (Jail Time and/or Fine or Other) What is the High BAC Level. No Statutory Provision for 1st Minimum Sanctions for Repeat Minimum BAC AL AK AZ t more than 1 Year and/or $600 to $2,100 t less than 72 hours and not less than $1500 (1 Year and $10,000 max.) and not more than $2,500 t more

More information

Photo: Rachel Donahue, istockphoto. 38 Safety+Health November sh.nsc.org

Photo: Rachel Donahue, istockphoto. 38 Safety+Health November sh.nsc.org Photo: Rachel Donahue, istockphoto 38 Safety+Health November 2011 By Kyle W. Morrison, senior associate editor Despite a still-struggling economy, respondents to Safety+Health s 2011 Salary Survey reported

More information

Moving TIM from Good to Great?

Moving TIM from Good to Great? FHWA Update: Traffic Incident Management Program Moving TIM from Good to Great? Iowa Traffic Safety Forum November 19, 2014 Mr. Jeff King (Retired Capt. AzDPS) Traffic Incident Management Public Safety

More information

Florida 1/1/2015 Workers Compensation Rate Filing

Florida 1/1/2015 Workers Compensation Rate Filing Florida 1/1/2015 Workers Compensation Rate Filing Kirt Dooley, FCAS, MAAA October 14, 2014 1 $ Billions 3.5 3.0 2.5 2.0 1.5 1.0 0.5 0.873 0.106 Florida s Workers Compensation Premium Volume 2.681 2.368

More information

State Survey Results MULTI-LEVEL LICENSURE TITLE PROTECTION

State Survey Results MULTI-LEVEL LICENSURE TITLE PROTECTION MULTI-LEVEL LICENSURE TITLE PROTECTION Prior AK MN TN MO AL MO KY VA AZ MS MO DC NYC NE HI ME OR IA RI PA IL TX VA KS WA LA WI MA WV Prior AK ME OR TN AL MI PA HI CO MS FL DC NC MN IA NE UT IL NV WA IN

More information

Demonstration Programs to Reduce Distracted Driving

Demonstration Programs to Reduce Distracted Driving Demonstration Programs to Reduce Distracted Driving Maria E. Vegega, Ph.D. Chief, Occupant Protection Division National Highway Traffic Safety Administration SAE International Government/Industry Meeting

More information

Who s (Still) Above the Social Security Payroll Tax Cap? BY NICOLE WOO, JANELLE JONES, AND JOHN SCHMITT*

Who s (Still) Above the Social Security Payroll Tax Cap? BY NICOLE WOO, JANELLE JONES, AND JOHN SCHMITT* Issue Brief May 2012 Center for Economic and Policy Research 1611 Connecticut Ave, NW Suite 400 Washington, DC 20009 tel: 202-293-5380 fax: 202-588-1356 www.cepr.net Who s (Still) Above the Social Security

More information

Rates and Bills An Analysis of Average Electricity Rates & Bills in Georgia and the United States

Rates and Bills An Analysis of Average Electricity Rates & Bills in Georgia and the United States Rates and Bills An Analysis of Average Electricity Rates & Bills in Georgia and the United States During regulatory and public policy discussions of electricity costs for Georgia ratepayers, the conversation

More information

Understanding Payroll Recordkeeping Requirements

Understanding Payroll Recordkeeping Requirements Understanding Payroll Recordkeeping Requirements 1 Presented by Sally Thomson, CPP Directory of Payroll Training American Payroll Association sthomson@americanpayroll.org 2 Agenda Recordkeeping Requirements

More information

Final Expense Life Insurance

Final Expense Life Insurance Dignified Choice - Classic Series Final Expense Life Insurance Columbian Mutual Life Insurance Company Home Office: Binghamton, NY Administrative Service Office: Norcross, GA Columbian Life Insurance Company

More information

Cancer, Heart Attack and Stroke Insurance

Cancer, Heart Attack and Stroke Insurance Mutual of Omaha Insurance Company Cancer, Heart Attack and Stroke Insurance rate book 16652 For Producer use only. Not for use with the general public. 4-1-15 Table of Contents Page Premium Calculation

More information

CONTINGENT COVERAGES AVAILABLE FOR AUTO LESSORS

CONTINGENT COVERAGES AVAILABLE FOR AUTO LESSORS CONTINGENT COVERAGES AVAILABLE FOR AUTO LESSORS LESSORS CONTINGENT LIABILITY $100,000 per person, $300,000 per occurrence, Bodily Injury; and $50,000 per occurrence, Property Damage ($100/300/50). As the

More information

Summary of State Laws Related to Auto Insurance

Summary of State Laws Related to Auto Insurance Summary of State Laws Related to Auto Insurance Rate Filing Laws for (Prior Form Filing Approval, Use & Laws (Prior File, File & Use, Approval, Use No File, Flex & File, File & Rating) Use, No File) Fault

More information

States Future Economic Standing

States Future Economic Standing States Future Economic Standing if current education levels remain the same. Presentation by Joe Marks SREB Director of Data Services State Leaders Forum St. Petersburg, Florida November 17, 2004 1 The

More information

Auto Insurance Underwriting/Rating

Auto Insurance Underwriting/Rating Auto Insurance Underwriting/Rating Insurance Underwriting/Rating Variables Driver Demographics Driver History Type of Vehicle Vehicle History Auto Po olicy 1 Name: John Smith Age: 32 Gender: Male Marital

More information

Federation of State Boards of Physical Therapy Jurisdiction Licensure Reference Guide Topic: PTA Supervision Requirements

Federation of State Boards of Physical Therapy Jurisdiction Licensure Reference Guide Topic: PTA Supervision Requirements These tables provide information on what type of supervision is required for PTAs in various practice settings. Definitions Onsite Supervision General Supervision Indirect Supervision The supervisor is

More information

Charges against drowsy driver causing fatality? Manslaughter or criminally negligent homicide. Yes. Sleep disorders, no. Possibly vehicular homicide.

Charges against drowsy driver causing fatality? Manslaughter or criminally negligent homicide. Yes. Sleep disorders, no. Possibly vehicular homicide. Sleep AL 3.4 (2.5 6.1) None. Sleep disorders, no d AK 3.4 (2.5 6.1) No laws enacted, but can be charged under Alaska's Unsafe Driving Practices law. Reckless endangerment or reckless driving. Manslaughter

More information

Youth Voter Turnout in the 2008 and 2006 Elections: A State-by-State Comparison

Youth Voter Turnout in the 2008 and 2006 Elections: A State-by-State Comparison Youth in the 2008 and 2006 Elections: A State-by-State Comparison By Surbhi Godsay, Amanda Nover, and Emily Hoban Kirby 1 September 2010 The 2008 presidential election saw a two percentage point increase

More information

When Medicare-Medicaid enrollees lose their Medicaid coverage: Who loses it, for how long, and what are the consequences?

When Medicare-Medicaid enrollees lose their Medicaid coverage: Who loses it, for how long, and what are the consequences? When Medicare-Medicaid enrollees lose their Medicaid coverage: Who loses it, for how long, and what are the consequences? Gerald Riley Lirong Zhao Negussie Tilahun Medicare-Medicaid enrollees Vulnerable

More information

CHAPTER 2: Visual Description of Data. Chapter 2 - Learning Objectives. Chapter 2 - Key Terms. Convert raw data into a data array.

CHAPTER 2: Visual Description of Data. Chapter 2 - Learning Objectives. Chapter 2 - Key Terms. Convert raw data into a data array. CHAPTER 2: Visual Description of Data 36/70-207 Fall 2003 Pantelis Vlachos Chapter 2 - Learning Objectives Convert raw data into a data array. Construct: a frequency distribution. a relative frequency

More information

HEALTH INSURANCE PRICE INDEX REPORT

HEALTH INSURANCE PRICE INDEX REPORT HEALTH INSURANCE PRICE INDEX REPORT 2016 OPEN ENROLLMENT PERIOD OCTOBER 2016 CONTENTS Page 3 Page 4 Page 5 Introduction Executive Summary and Highlights Individual Coverage Costs and Trends Page 10 Family

More information

STATE HOMELESSNESS IN AMERICA

STATE HOMELESSNESS IN AMERICA CHAPTER ONE THE ATE OF HOMELESSNESS IN AMERICA The January 2014 point-in-time count 2 is the most recent national estimate of homelessness in the United States. The count identified 578,424 people experiencing

More information

2010 Annual Salary Survey

2010 Annual Salary Survey 2010 Annual Salary Survey Amy E.T. Sparks, PhD, University of Iowa amy-sparks@uiowa.edu Acknowledgements: H. Lee Higdon III, PhD, University Medical Group, Greenville, SC William R. Boone, PhD, University

More information

Executive Summary. Introduction

Executive Summary. Introduction Date: Regarding: 2014-2015 Water Damage Report, (Public Dissemination) Prepared By: Thomas Manasek, Strategic Analyst Executive Summary This ForeCAST SM illustrates the trends in Water Damage claims in

More information

TABLE 1. What Pedestrians Were Doing at Interstate Pedestrian Fatalities in Texas, Missouri, and North Carolina, Number of Fatalities

TABLE 1. What Pedestrians Were Doing at Interstate Pedestrian Fatalities in Texas, Missouri, and North Carolina, Number of Fatalities In 1995, 543 people were killed while on foot on an Interstate highway! Pedestrian fatalities on Interstates have claimed an average of 610 lives each year since 1989.(1) Nearly 10 percent of all the nation's

More information

Enrollment Snapshot of Radiography, Radiation Therapy and Nuclear Medicine Technology Programs 2013

Enrollment Snapshot of Radiography, Radiation Therapy and Nuclear Medicine Technology Programs 2013 Enrollment Snapshot of Radiography, Radiation Therapy and Nuclear Medicine Technology Programs 2013 A Nationwide Survey of Program Directors Conducted by the American Society of Radiologic Technologists

More information

Motor Vehicle Financial Responsibility Forms

Motor Vehicle Financial Responsibility Forms Alphabetical Index Forms are listed alphabetically by form title. Important Note: The forms shown herein for each state may not be a complete listing of all the financial responsibility forms that are

More information

Executive Summary. A national hail loss map provides a visual depiction of the volume and distribution of hail loss claims.

Executive Summary. A national hail loss map provides a visual depiction of the volume and distribution of hail loss claims. Date: Regarding: 2013-2015 United States Hail Loss Claims (Public Dissemination) Prepared By: David Fennig, Strategic Analyst Executive Summary This ForeCAST SM illustrates the trends in hail loss claims

More information

AAIS Mobile-Homeowners 2008 Series

AAIS Mobile-Homeowners 2008 Series Policy Forms and Endorsements IT IS WOLTERS KLUWER FINANCIAL SERVICES' POLICY TO LIMIT THE SALE OF BUREAU FORMS TO THE MEMBERS AND SUBSCRIBERS OF THOSE RESPECTIVE BUREAUS. PURCHASE AND USE OF BUREAU FORMS

More information

Wages, Productivity and Highway Construction Costs. Updated Analysis Prepared for. Construction Industry Labor-Management Trust

Wages, Productivity and Highway Construction Costs. Updated Analysis Prepared for. Construction Industry Labor-Management Trust Wages, Productivity and Highway Construction Costs Updated Analysis 1994 2002 Prepared for Construction Industry Labor-Management Trust By Construction Labor Research Council March 2004 Introduction Over

More information

Should Interlocks Be Required for All DUI Offenders?

Should Interlocks Be Required for All DUI Offenders? Should Interlocks Be Required for All DUI Offenders? Lifesavers Annual Conference Lake Buena Vista, FL June 15, 2012 Anne T. McCartt Insurance Institute for Highway Safety (IIHS) Nonprofit, independent

More information

LexisNexis Law Firm Billable Hours Survey Top Line Report. June 11, 2012

LexisNexis Law Firm Billable Hours Survey Top Line Report. June 11, 2012 LexisNexis Law Firm Billable Hours Survey Top Line Report June 11, 2012 Executive Summary by Law Firm Size According to the survey, we found that attorneys were not billing all the time they worked. There

More information

Health Workforce Data Collection: Findings from a Survey of States

Health Workforce Data Collection: Findings from a Survey of States Health Workforce Data Collection: Findings from a Survey of States Jean Moore, DrPH David Armstrong, PhD Health Workforce Technical Assistance Center School of Public Health University at Albany, SUNY

More information

Motor Vehicle Financial Responsibility Forms

Motor Vehicle Financial Responsibility Forms Alphabetical Index Forms are listed alphabetically by form title. Important Note: The forms shown herein for each state may not be a complete listing of all the financial responsibility forms that are

More information

In Utilization and Trend In Quality

In Utilization and Trend In Quality AHA Taskforce on Variation in Health Care Spending O Hare Hilton, Chicago February 10, 2010 Allan M. Korn, M.D., FACP Senior Vice President, Clinical Affairs and Chief Medical Officer Variation In Utilization

More information

Trends & Milestones Edited by K. Charlie Lakin and David Braddock

Trends & Milestones Edited by K. Charlie Lakin and David Braddock Edited by K. Charlie Lakin and David Braddock Special Education Personnel Utilization and General Class Placement of Students Disabilities: Ranges and Ratios Michael F. Giangreco, Sean M. Hurley, and Jesse

More information

RATE FILING METHODS FOR PROPERTY/CASUALTY INSURANCE, WORKERS COMPENSATION, TITLE 11/05

RATE FILING METHODS FOR PROPERTY/CASUALTY INSURANCE, WORKERS COMPENSATION, TITLE 11/05 11/05 Explanation: In a state with, a filing may be deemed to have been approved after a certain number of days. If such a provision exists, the number of days is noted in parentheses. File and use states

More information

Dashboard. Campaign for Action. Welcome to the Future of Nursing:

Dashboard. Campaign for Action. Welcome to the Future of Nursing: Welcome to the Future of Nursing: Campaign for Action Dashboard About this Dashboard: These are graphic representations of measurable goals that the Campaign has selected to evaluate our efforts in support

More information

MEDCHI, THE MARYLAND STATE MEDICAL SOCIETY HOUSE OF DELEGATES CL Report 3-13. A Fifty State Survey of Tort Reform Provisions

MEDCHI, THE MARYLAND STATE MEDICAL SOCIETY HOUSE OF DELEGATES CL Report 3-13. A Fifty State Survey of Tort Reform Provisions MEDCHI, THE MARYLAND STATE MEDICAL SOCIETY HOUSE OF DELEGATES CL Report 3-13 INTRODUCED BY: SUBJECT: REFERRED TO: Council on Legislation A Fifty State Survey of Tort Reform Provisions Reference Committee

More information

Colony SM Term UL. October alternative to traditional term life insurance. An affordable universal life insurance

Colony SM Term UL. October alternative to traditional term life insurance. An affordable universal life insurance 49591 10/13/09 Colony SM Term UL An affordable universal life insurance alternative to traditional term life insurance October 2009 For Agent/Broker Use Only. Not to be reproduced or shown to the public.

More information

WHAT STATES IS IT ILLEGAL TO DO BPO S?

WHAT STATES IS IT ILLEGAL TO DO BPO S? WHAT STATES IS IT ILLEGAL TO DO BPO S? Copyright Protected by BPO University Nicole Ocean 2010 My name is Nicole Ocean, founder and administrator of the BPO University. I am a certified real estate instructor

More information

Preapproval Inspections for Manufacturing. Christy Foreman Deputy Director Division of Enforcement B Office of Compliance/CDRH

Preapproval Inspections for Manufacturing. Christy Foreman Deputy Director Division of Enforcement B Office of Compliance/CDRH Preapproval Inspections for Manufacturing Christy Foreman Deputy Director Division of Enforcement B Office of Compliance/CDRH Major Steps Review of the Quality System information Inspection requests generated

More information

U.S. Department of Education NCES 2011-460 NAEP. Tools on the Web

U.S. Department of Education NCES 2011-460 NAEP. Tools on the Web U.S. Department of Education NCES 2011-460 NAEP Tools on the Web Whether you re an educator, a member of the media, a parent, a student, a policymaker, or a researcher, there are many resources available

More information

ANTHONY P. CARNEVALE NICOLE SMITH JEFF STROHL

ANTHONY P. CARNEVALE NICOLE SMITH JEFF STROHL State-Level Analysis HELP WANTED PROJECTIONS of JOBS and EDUCATION REQUIREMENTS Through 2018 JUNE 2010 ANTHONY P. CARNEVALE NICOLE SMITH JEFF STROHL Contents 1 Introduction 3 U.S. Maps: Educational concentrations

More information

CINCINNATI HILLS CHRISTIAN ACADEMY COLLEGE QUESTIONNAIRE FOR STUDENTS

CINCINNATI HILLS CHRISTIAN ACADEMY COLLEGE QUESTIONNAIRE FOR STUDENTS CINCINNATI HILLS CHRISTIAN ACADEMY COLLEGE QUESTIONNAIRE FOR STUDENTS Complete & bring with you to your Junior College Planning Meeting. NAME: ADDRESS: EMAIL: BIRTHDATE: PHONE #: DATE: PLEASE READ BEFORE

More information

EFFECTS OF LEGALIZING MARIJUANA 1

EFFECTS OF LEGALIZING MARIJUANA 1 EFFECTS OF LEGALIZING MARIJUANA 1 Effects of Legalizing Medical On Illegal Use Professor Elizabeth Jacobs, PhD Psychology 230 November 29, 2010 EFFECTS OF LEGALIZING MARIJUANA 2 Introduction With the increasing

More information

ANALYSIS OF US AND STATE-BY-STATE CARBON DIOXIDE EMISSIONS AND POTENTIAL SAVINGS IN FUTURE GLOBAL TEMPERATURE AND GLOBAL SEA LEVEL RISE

ANALYSIS OF US AND STATE-BY-STATE CARBON DIOXIDE EMISSIONS AND POTENTIAL SAVINGS IN FUTURE GLOBAL TEMPERATURE AND GLOBAL SEA LEVEL RISE ANALYSIS OF US AND STATE-BY-STATE CARBON DIOXIDE EMISSIONS AND POTENTIAL SAVINGS IN FUTURE GLOBAL TEMPERATURE AND GLOBAL SEA LEVEL RISE by Paul Knappenberger SPPI ORIGINAL PAPER Updated April 2013 ANALYSIS

More information

Motor Carrier Forms Bodily Injury and Property Damage Liability

Motor Carrier Forms Bodily Injury and Property Damage Liability ALPHABETICAL INDEX Forms are listed alphabetically by form title. Important Note: The forms shown herein for each state may not be a complete listing of all the motor carrier bodily injury and property

More information

STATE INCOME TAX WITHHOLDING INFORMATION DOCUMENT

STATE INCOME TAX WITHHOLDING INFORMATION DOCUMENT STATE INCOME TAX WITHHOLDING INFORMATION DOCUMENT Zurich American Life Insurance Company (ZALICO) Administrative Offices: PO BOX 19097 Greenville, SC 29602-9097 800/449-0523 This document is intended to

More information

Principal Place of Business Change Filing Requirements LIMITED LIABILITY COMPANIES

Principal Place of Business Change Filing Requirements LIMITED LIABILITY COMPANIES AK Biennial Rept (if due soon) Biennial Rept (if due soon) AL No filing required Amendment (if the Principal Business Address was listed in the Application f Registration under section 10-12-47(a)(5))

More information

Scrapping the Social Security Payroll Tax Cap: Who Would Pay More?

Scrapping the Social Security Payroll Tax Cap: Who Would Pay More? Issue Brief April 2014 Scrapping the Social Security Payroll Tax Cap: Who Would Pay More? By Nicole Woo, Janelle Jones, and John Schmitt* According to the latest report of the Social Security Trustees,

More information

State Annual Report Due Dates for Business Entities page 1 of 10

State Annual Report Due Dates for Business Entities page 1 of 10 State Annual Report Due Dates for Business Entities page 1 of 10 If you form a formal business entity with the state, you may be required to file periodic reports on the status of your entity to preserve

More information

Provisions of PPACA will potentially preempt state laws.

Provisions of PPACA will potentially preempt state laws. STATE FLEXIBILITY IN HEALTH REFORM JOSHUA D. GOLDBERG National Association of Insurance Commissioners July 25, 2010 NCSL Health Summit Louisville, Kentucky Preemption Provisions of PPACA will potentially

More information

Surety Bond Requirements for Mortgage Brokers and Mortgage Bankers As of July 15, 2011

Surety Bond Requirements for Mortgage Brokers and Mortgage Bankers As of July 15, 2011 Surety Bond Requirements for Mortgage Brokers and Mortgage Bankers As of July 15, 2011 State Mortgage Broker Bond Cancellation Mortgage Banker Bond Cancellation Notes & Citations AK $75,000 minimum for

More information

THE URBAN INSTITUTE LIWF Fact Sheet

THE URBAN INSTITUTE LIWF Fact Sheet THE URBAN INSTITUTE LIWF Fact Sheet Impact of Rising Gas Prices on Below- Commuters One in a Series of Occasional Fact Sheets from the Low-Income Working Families Project September 2008 While the increase

More information

2016 Individual Exchange Premiums updated November 4, 2015

2016 Individual Exchange Premiums updated November 4, 2015 2016 Individual Exchange Premiums updated November 4, 2015 Within the document, you'll find insights across 50 states and DC with available findings (i.e., carrier participation, price leadership, gross

More information

with the Insured Deposit Program Updated 11/15/2016

with the Insured Deposit Program Updated 11/15/2016 Insured Deposit Program Welcome to the FDIC Insured Deposit Program. Under this program, available cash balances (from security transactions, dividend and interest payments and other activities) in your

More information

3/10/2015. HLDI data providers have 85% share of U.S. auto insurance market

3/10/2015. HLDI data providers have 85% share of U.S. auto insurance market Stopping the Crash Before it Happens: Collision Avoidance Technology & More Evaluations of Collision Avoidance Systems Using Insurance Data Lifesavers 2015 Chicago, IL March 15, 2015 Matthew Moore, Vice

More information

Motor Carrier Forms Bodily Injury and Property Damage Liability

Motor Carrier Forms Bodily Injury and Property Damage Liability ALPHABETICAL INDEX Forms are listed alphabetically by form title. Important Note: The forms shown herein for each state may not be a complete listing of all the motor carrier bodily injury and property

More information

Payroll Tax Chart Results

Payroll Tax Chart Results Payroll Tax Chart Results Terminated Employee -- Involuntary Terminated Employee -- Vacation Pay Terminated Employee -- Voluntary Taxing Authority Federal Payment Date for Involuntary Termination No provision

More information

Lewis & Clark Law School Career & Professional Development Center Alumni Salary Survey

Lewis & Clark Law School Career & Professional Development Center Alumni Salary Survey Lewis & Clark Law School Career & Professional Development Center Alumni Salary Survey 0 0 Alumni Salary Survey Produced by: Career & Professional Development Center Lewis & Clark Law School 005 SW Terwilliger

More information

STC Insured Deposit Program (STID) Updated 06/16/2016

STC Insured Deposit Program (STID) Updated 06/16/2016 STC Insured Deposit Program (STID) Welcome to the AIG Federal Savings Bank ( AIG FSB ), d/b/a SunAmerica Trust Company ( STC ) STC Insured Deposit Program. Under this program, available cash balances (from

More information

Highway Loss Data Institute Bulletin

Highway Loss Data Institute Bulletin Highway Loss Data Institute Bulletin Helmet Use Laws and Medical Payment Injury Risk for Motorcyclists with Collision Claims VOL. 26, NO. 13 DECEMBER 29 INTRODUCTION According to the National Highway Traffic

More information

LexisNexis Law Firm Billable Hours Survey Report

LexisNexis Law Firm Billable Hours Survey Report LexisNexis Law Firm Billable Hours Survey Report Executive Summary Despite the critical impact on a firm s bottom line, it remains challenging for some attorneys and legal staff to efficiently capture

More information

Report Lag and Claim Severity

Report Lag and Claim Severity 2015 Annual Issues Symposium Report Lag and Claim Severity Barry Lipton, FCAS, MAAA Practice Leader and Senior Actuary, NCCI May 14, 2015 Copyright 2015 NCCI Holdings, Inc. All Rights Reserved. Introduction

More information

Ending Veteran and Veteran Family Homelessness: The Homeless Veteran Supported Employment Program (HVSEP)

Ending Veteran and Veteran Family Homelessness: The Homeless Veteran Supported Employment Program (HVSEP) Ending Veteran and Veteran Family Homelessness: The Homeless Veteran Supported Employment Program (HVSEP) Carma A. Heitzmann, Ph.D. National Program Manager HVSEP VHA Homeless Program Office carma.heitzmann@va.gov

More information

Life Settlements Source List

Life Settlements Source List BROKERS Ashar Group LLC - Life Settlement Specialists 407-772-1818 www.ashargroup.com Except AK NH VT Except AK NH VT Varies based on current market opportunities and groups that pass Ashar s due diligence

More information