2012 Market Share. Insurers. The 2012 Texas premium and. in Texas. for

Size: px
Start display at page:

Download "2012 Market Share. Insurers. The 2012 Texas premium and. in Texas. for"

Transcription

1 By David Surles, CPCU, RPLU, AAI Contributing Author Insurers for Regina Anderson in Texas IIAT Manager of Technical Services The Texas premium and loss information tells a story of rising premiums and stability in company market share percentages and loss ratios. In last year s report, we commented on higher premiums in the commercial auto and workers compensation lines in compared to 2010 and attributed this fact to an improving economy and increased business activity. levels continued to rise in to levels not seen since 2008 for commercial auto and workers compensation. That s good news for Texas independent agents as well as companies. Texas is back in business! The good news for extended to include profitable loss ratios for all five lines reviewed for this report. The homeowners and commercial multiperil lines were especially notable with dramatic loss ratio percentage declines, following unprofitable loss ratios in due to bad weather and wildfires. These good results were not expected after Texas suffered losses totaling over $2.3 billion from major hail storms in Dallas-Fort Worth and McAllen. Here are the highlights in summary for : of Direct Writers & Agency Companies Texas Personal Lines Insurance Sales (Homeowners and Personal Auto) Agency Companies Direct Writers volume by year; dollar figures in millions $15,932 $4, % $16,112 $4, % $16,274 $4, % $16,637 $4, % $17,094 $4, % $18,018 $4, % $18,758 $4, % UNDERSTATED MARKET SHARE A.M. Best reports aggregate data for each company group and categorizes each company group as a Direct Writer or Agency based on the source of the majority of its premium volume. For example, premium for the following company groups are reported in the Direct Writer category even though a significant (but not majority) percentage of premium comes from independent agencies: Allstate, Auto Club AAA, Berkshire Hathaway, Farmers, Liberty Mutual, MetLife and Nationwide. This is offset somewhat by Progressive and Hartford, reported in the Agency category even though a percentage of those company group premiums come from non-independent agent sources or consumers. For this reason, the percentages of independent agency personal lines market share may be understated. The aggregate loss ratio for all Texas companies for all lines of business was 58.9 percent (a dramatic decrease from 63.5 percent in ), compared to the national aggregate loss ratio of 63.8 percent (down slightly from 64.9 percent in ). The Texas loss ratio was lower than the national average in personal auto, homeowners and workers compensation, but higher in commercial auto and commercial multiperil. Texas policyholders paid out $40.2 billion in premium for all lines of insurance (up from $38.3 billion in ), which is 8 percent of the national premium volume of $503.3 billion (up from $486.7 billion in ). Texas premiums grew at a faster pace than national premiums 5 percent in Texas compared to only 3.4 percent nationally. Personal lines market share for Texas independent agency companies in stayed exactly the same as at 26.9 percent. share for independent agency companies has remained virtually unchanged for 10 years, ranging from a low of 25.6 percent in 2008 to a high of 27.4 percent in 2004 and Of course, each percentage point represents about $200 million in premium lost to direct writer companies or gained by independent agency companies in any given year. $18,977 $4, % $19,632 $5, % $20,626 $5, % Compiled from Best DataBase Services. Experience by state for homeowners, private passenger auto liability, no-fault and physical damage. $11, % $11, % $11, % $12,150 73% $12, % $13, % $13, % $14, % $14, % $15, %

2 Personal Auto Personal Auto Homeowners Year $6, % 58.9% $6, % 75.5% 2010 $5, % 58.9% 2009 $5, % 59.9% 2008 $5, % 71.8% Homeowners Five-Year s Year $14, % 66.4% $13, % 67.3% 2010 $13, % 61.6% 2009 $13, % 64.3% 2008 $12, % 63.7% Direct Writers $10, % $9, % Agency Companies $4, % $3, % PERSONAL AUTO The top 20 companies in personal auto stayed exactly the same in. The top five companies State Farm, Farmers, Allstate, Progressive and USAA dominate personal auto with 59 percent of the market share. Independent agency companies lost a little ground against direct writer companies, with 28.4 percent in compared to 28.6 percent in. Independent agency companies wrote more personal auto premium in, just not as much more as the direct writer companies. The personal auto loss ratio of 65.6 percent was up from 63.4 percent in and only slightly lower than the national average loss ratio of 66.4 percent. Five-Year s Direct Writers $4, % $4, % Agency Companies $1, % $1, % Top 20 Personal Auto Carriers in Texas Top 20 Homeowners Carriers in Texas 1 State Farm 1 1, Allstate Farmers USAA Liberty Mutual Travelers Nationwide Farm Bureau American Strategic (ASI) Chubb Hartford Republic Auto Club (AAA) Amica Texas FAIR Plan MetLife NLASCO (National Lloyds) Universal Homeowners of America State National State Farm 1 2, Farmers 2 1, Allstate 3 1, Progressive 4 1, USAA 5 1, Berkshire Hathaway (GEICO) 6 1, Texas Farm Bureau Old American Nationwide Home State Liberty Mutual Titus Loya Republic Auto Club (AAA) ACCC Germania MetLife Kemper Amica

3 Commercial Multiperil Five-Year s Year $2, % 56.7% $2, % 62.8% 2010 $2, % 50.6% 2009 $2, % 45.5% 2008 $1, % 56.8% HOMEOWNERS The homeowners loss ratio, coming in at 54.4 percent, escaped virtually unscathed from the hail storms in Dallas-Fort Worth and McAllen. The loss ratio was down from 71.3 percent in, a year when Texas was wracked by major hail storms, tornados, freezing temperatures and wildfires. The rest of the country also remained relatively catastrophefree, contributing to a similar drop in the national average loss ratio from 75.5 percent in to 58.9 percent in. Homeowners of America entered the top 20 companies for the first time in, coming in at #19 and kicking State Auto out of the #20 spot. There were minor position changes within the top 20, with ASI and MetLife improving their positions to the detriment of Chubb and National Lloyds. The Texas Fair Plan Association maintained its position at #15 with a significant increase in premium from $58.6 million in to $72.2 million in. The market share for independent agency companies jumped for the second year in a row, from 23.1 percent in to 23.5 percent in. COMMERCIAL MULTIPERIL The commercial multiperil loss ratio of 61.3 percent was significantly lower than the loss ratio of 68.8 percent, reflecting fewer Texas catastrophe losses. This was one of two lines of insurance included in this report, however, that was higher than the national average loss ratio (56.7 percent). Commercial Auto Five-Year s Year $2, % 63.8% $2, % 59.6% 2010 $1, % 58.2% 2009 $1, % 53.2% 2008 $2, % 54.9% Top 20 Commercial Multiperil Carriers in Texas 1 Progressive Travelers AIG Liberty Mutual Zurich Nationwide Hallmark Old Republic Farmers State Farm Hartford Great American CNA W R Berkley Republic ACE INA Sentry Allstate Arch Home State Travelers Hartford Liberty Mutual Nationwide Farmers Zurich CNA Chubb Tokio Marine State Farm AIG Allstate Church Mutual QBE ACE INA Hanover W R Berkley Republic Cincinnati Guide One Top 20 Commercial Auto Carriers in Texas

4 Workers Compensation Five-Year s Year $2, % 67.9% $2, % 65.2% 2010 $1, % 68.3% 2009 $2, % 67.9% 2008 $2, % 62.9% The top 10 companies stayed exactly the same but several companies in the second tier of the top 20 changed positions in. The only new company in the top 20 was Guide One at #20, knocking Allianz out of the #20 spot. COMMERCIAL AUTO The commercial auto loss ratio suffered a significant increase in, from 58.4 percent in to 68.9 percent in. This was higher than the national average (63.8 percent). There was only one change in the top 20 companies, as Arch replaced State National at 18th place. Otherwise, the top 20 companies remained the same, albeit with several companies trading places, including Travelers bumping AIG from the #2 spot. WORKERS COMPENSATION Workers compensation premiums continued to recover in, with a 13.1 percent increase from following a 12.7 percent increase from 2010 to, reflecting continued improvement in business activity and employment. s had declined for five straight years prior to The workers compensation loss ratio of 47.7 percent was higher than the 43.3 percent in, but still remarkable when compared to the national loss ratio of 67.9 percent. Texas Mutual Insurance Co. continued to dominate the Texas market with 37.1 percent market share in, compared to 33.8 percent in. Texas Mutual managed to increase premium more than most companies with a 24.2 percent increase over. Three new companies entered the top 20 in, with Tower International Group, Berkshire Hathaway and Amerisafe replacing Arch, Republic and SeaBright. Top 20 Workers Compensation Carriers in Texas 1 Texas Mutual Liberty Mutual Travelers Zurich (20.3) 5 Hartford AIG ACE INA Service Lloyds CNA Chubb Old Republic Amerisure Fairfax Financial Accident Fund Farmers (21.2) 16 Tower W R Berkley Berkshire Hathaway Sentry Amerisafe WHERE THE DATA COMES FROM We are often asked the source of the data used for this annual market share report, because our information differs from the data available from other sources and from information provided by insurers to their staff and agents. Each year, an A.M. Best Co. subsidiary, Best Data Services, publishes the State/Line Report. The source data for this report is found on basic page 26 (statutory page 14) (Exhibit of s and es) of each insurer s sworn annual statement, prepared according to certain statutory requirements in a format dictated by the National Association of Insurance Commissioners, and filed with the Texas Department of Insurance. The resulting data differs from other sources because of the statutory nature of the report. and a tragic explosion in West. The final insurable losses from these catastrophes will probably not be enough to push property loss ratios back to the unprofitable level. With those events behind us, only a major hurricane along the Texas coast remains as a results-changing possibility. We can expect rising premium levels in all lines as the market slowly hardens and the business community continues its recovery from the economic conditions and unemployment that so adversely affected the premium levels in THE OUTLOOK FOR 2013 In 2013, Texas has been rocked by tornados and hail storms in north Texas, a $400 million hail storm in Amarillo, high winds and hail in central Texas

5 TOP 50 Top 50 Companies 1 State Farm 1 4, Farmers 2 2, Allstate 3 2, Liberty Mutual 4 1, USAA 6 1, AIG 5 1, Progressive 8 1, Travelers 7 1, Berkshire Hathaway 9 1, Nationwide 10 1, Texas Farm Bureau Texas Mutual Zurich Chubb CNA Hartford ACE INA Old American Home State Republic Germania Allianz Endurance W R Berkley Assurant QBE Titus Loya Great American FM Global Auto Club Old Republic Fairfax Kemper MetLife CUMIS XL America Philadelphia/Tokio Wells Fargo Amica ASI Hallmark Arch Hochheim Prairie Munich-American State Auto AmTrust Sentry Markel ACCC

2014 Alabama Insurance Market Analysis Ted A. Kinney, CIC CPCU ARM AU AAM AAI AINS CPIA CRIS AIIA Director of Education and Technical Affairs

2014 Alabama Insurance Market Analysis Ted A. Kinney, CIC CPCU ARM AU AAM AAI AINS CPIA CRIS AIIA Director of Education and Technical Affairs 2014 Alabama Insurance Market Analysis Ted A. Kinney, CIC CPCU ARM AU AAM AAI AINS CPIA CRIS AIIA Director of Education and Technical Affairs The 2014 Edition of the Property/Casualty State/Line Report

More information

2011 Property Casualty Insurance Market: Opportunities & Competitive Challenges For Independent Agents & Brokers

2011 Property Casualty Insurance Market: Opportunities & Competitive Challenges For Independent Agents & Brokers 2011 Property Casualty Insurance Market: Opportunities & Competitive Challenges For Independent Agents & Brokers By Madelyn Flannagan, Vice President, Agent Development, Education & Research, IIABA Peter

More information

2012 Property Casualty Insurance Market Opportunities & Competitive Challenges For Independent Agents & Brokers

2012 Property Casualty Insurance Market Opportunities & Competitive Challenges For Independent Agents & Brokers 2012 Property Casualty Insurance Market Opportunities & Competitive Challenges For Independent Agents & Brokers By Madelyn Flannagan, IIABA Vice President, Education & Research; and Peter van Aartrijk,

More information

2013 Property Casualty Insurance Market Opportunities & Competitive Challenges For Independent Agents & Brokers

2013 Property Casualty Insurance Market Opportunities & Competitive Challenges For Independent Agents & Brokers 2013 Property Casualty Insurance Market Opportunities & Competitive Challenges For Independent Agents & Brokers By Madelyn Flannagan, IIABA Vice President, Education & Research, and Peter van Aartrijk,

More information

what is IIAT? IIAT supports its independent agency members through: scope of membership Trusted Choice: IIAT s consumer brand

what is IIAT? IIAT supports its independent agency members through: scope of membership Trusted Choice: IIAT s consumer brand what is IIAT? The Independent Insurance Agents of Texas (IIAT) is the nation s largest state association of independent insurance agencies, representing nearly 1,800 agencies employing 15,000 agents and

More information

Consumer policies such as homeowners and auto insurance. Business policies such as business interruption insurance.

Consumer policies such as homeowners and auto insurance. Business policies such as business interruption insurance. The information in the report cards is as of October 18, 2013. It covers the insurers who make up the majority of the insurance market in areas affected by Storm Sandy, including: Consumer policies such

More information

Insurance Company Claims Filing Telephone Numbers

Insurance Company Claims Filing Telephone Numbers Insurance Company Claims Filing Telephone Numbers Find Your Insurance Company Policyholders with questions regarding their coverage for damage caused by a disaster should call the number provided on their

More information

Capital Preferred 800-734-4749 or 888-388-2742 Catawba Insurance 800-711-9386

Capital Preferred 800-734-4749 or 888-388-2742 Catawba Insurance 800-711-9386 A AAA Insurance (Auto Club Family Insurance Company) 800-222-7623 ext. 5000 Acadia Insurance Company 800-444-0049, ext. 2600 ACE USA Clients receive individual 800 numbers or call 800 433-0385 (ACE USA/INAMAR

More information

2009 Property Casualty Insurance Market: Opportunities & Competitive Challenges For Independent Agents & Brokers

2009 Property Casualty Insurance Market: Opportunities & Competitive Challenges For Independent Agents & Brokers 2009 Property Casualty Insurance Market: Opportunities & Competitive Challenges For Independent Agents & Brokers By Madelyn Flannagan, Vice President, Agent Development, Education & Research, IIABA Peter

More information

Insurance Company Disaster Claims Numbers

Insurance Company Disaster Claims Numbers MIKE CHANEY Commissioner of Insurance State Fire Marshal MARK HAIRE Deputy Commissioner of Insurance MAILING ADDRESS: P.O. Box 79 Jackson, MS. 39205-0079 Phone: 601-359-3569 Fax: 601-359-2474 MISSISSIPPI

More information

2014 HOMEOWNERS COMPLAINT INDEX

2014 HOMEOWNERS COMPLAINT INDEX 2014 HOMEOWNERS COMPLAINT INDEX Please note that when a carrier has a small number of policies in force, the complaint ratio will be large. For example, if a company has a few hundred policies in force,

More information

Find your insurance company: Toll-free numbers for policyholders

Find your insurance company: Toll-free numbers for policyholders Find your insurance company: Toll-free numbers for policyholders PCI wants to help ensure that citizens are prepared in case of a severe storm. Property insurance policyholders who have questions about

More information

Impact of Hurricane Sandy on. and Reinsurance Industry

Impact of Hurricane Sandy on. and Reinsurance Industry Impact of Hurricane Sandy on Property & Casualty Insurance and Reinsurance Industry November 2, 2012 Assessing the Credit Impact on Insurers Positive Factors for the Industry┬╗ Good risk-adjusted capitalization┬╗

More information

TOTAL NUMBER OF HOMEOWNERS POLICIES FOR 2012 TOTAL NUMBER OF CONFIRMED COMPLAINTS FOR 2012 COMPLAINT INDEX

TOTAL NUMBER OF HOMEOWNERS POLICIES FOR 2012 TOTAL NUMBER OF CONFIRMED COMPLAINTS FOR 2012 COMPLAINT INDEX 2012 HOMEOWNERS COMPLAINT INDEX Please note that when a carrier has a small number of policies in force, the complaint ratio will be large. For example, if a company has a few hundred policies in force,

More information

2014 Personal Auto Insurance Complaint Comparison

2014 Personal Auto Insurance Complaint Comparison 2014 Personal Auto Insurance Comparison Prepared by the Maine Bureau of Insurance April 2015 Paul R. LePage Governor Anne L. Head Commissioner Eric A. Cioppa Superintendent Background Pursuant to 24 A

More information

States offer Insurance Assistance for Hurricane Evacuees

States offer Insurance Assistance for Hurricane Evacuees FOR IMMEDIATE RELEASE George Dale, Commissioner of Insurance/State Fire Marshal Mississippi Insurance Department Jackson, Mississippi Friday, September 2, 2005 For additional information, please contact

More information

TOTAL NUMBER OF AUTOMOBILE POLICIES FOR 2012 TOTAL NUMBER OF CONFIRMED COMPLAINTS FOR 2012 COMPLAINT INDEX

TOTAL NUMBER OF AUTOMOBILE POLICIES FOR 2012 TOTAL NUMBER OF CONFIRMED COMPLAINTS FOR 2012 COMPLAINT INDEX 2012 AUTOMOBILE COMPLAINT INDEX Please note that when a carrier has a small number of policies in force, the complaint ratio will be large. For example, if a company has a few hundred policies in force,

More information

2011 Annual Ranking of Automobile Insurance Complaints (Amended 12/1/11)

2011 Annual Ranking of Automobile Insurance Complaints (Amended 12/1/11) New York State Department of Financial Services 2011 Annual Ranking of Automobile Insurance Complaints (Amended 12/1/11) Andrew M. Cuomo Governor Benjamin M. Lawsky Superintendent The Annual Ranking of

More information

FIND YOUR INSURANCE COMPANY: TOLL-FREE NUMBERS FOR POLICYHOLDERS

FIND YOUR INSURANCE COMPANY: TOLL-FREE NUMBERS FOR POLICYHOLDERS FIND YOUR INSURANCE COMPANY: TOLL-FREE NUMBERS FOR POLICYHOLDERS PCI wants to help ensure that citizens are prepared in case of a severe storm or other natural catastrophe. Property insurance policyholders

More information

Missouri Department of Insurance, Financial Institutions & Professional Registration 2008 Complaint Report. Homeowners Insurance.

Missouri Department of Insurance, Financial Institutions & Professional Registration 2008 Complaint Report. Homeowners Insurance. Report Homeowners Insurance Indices 68 Report Homeowners Insurance Indices Code Name s Annual 69 20699 Ace Property & Casualty Insurance Company 0 $120,052 0.0% 0 14184 Acuity A Mutual Insurance Company

More information

2013 Insurer Supplier Diversity (ISD) Data Call LIST: 206 Insurance Companies Listed under Group, Arranged by Group Premium (Largest to Smallest)

2013 Insurer Supplier Diversity (ISD) Data Call LIST: 206 Insurance Companies Listed under Group, Arranged by Group Premium (Largest to Smallest) 2013 Insurer Supplier Diversity (ISD) Data Call LIST: 206 Insurance Companies Listed under Group, Arranged by Group Premium (Largest to Smallest) GROUP NAME (and Insurance Companies Reporting Together)

More information

Texas Department of Insurance Use of Credit Information Private Passenger Auto

Texas Department of Insurance Use of Credit Information Private Passenger Auto The companies listed below indicated the use of credit information for the purpose of underwriting and/or rating private passenger auto insurance. The underwriting process is used to determine whether

More information

FIND YOUR INSURANCE COMPANY: TOLL-FREE NUMBERS FOR POLICYHOLDERS

FIND YOUR INSURANCE COMPANY: TOLL-FREE NUMBERS FOR POLICYHOLDERS FIND YOUR INSURANCE COMPANY: TOLL-FREE NUMBERS FOR POLICYHOLDERS PCI wants to help ensure that citizens are prepared in case of a severe storm. Property insurance policyholders who have questions about

More information

Louisiana Department of Insurance. State. Insurance. 10 years post-katrina. James J. Donelon, Commissioner

Louisiana Department of Insurance. State. Insurance. 10 years post-katrina. James J. Donelon, Commissioner Louisiana Department of Insurance State Of Insurance 10 years post-katrina James J. Donelon, Commissioner Message from Insurance Commissioner Jim Donelon It s hard to imagine and it s not something we

More information

Hurricane Hotline Contact Numbers, August 15, 2007

Hurricane Hotline Contact Numbers, August 15, 2007 Hurricane Hotline Contact Numbers, August 15, 2007 Insurance Industry Provides "Hotline" Contact Numbers To Ease With Claims Process Contact: Sam Miller, 850.386.6668 x 223 Gary Landry, 850.386.6668 x

More information

PROPERTY INSURANCE REPORT

PROPERTY INSURANCE REPORT PROPERTY INSURANCE REPORT The Authority on Insuring Homes and Commercial Property Vol. 21#15/495 Jan. 26, 2015 INSIDE U.S. property insurance profit margins, 2003-2012. Page 2 Best homeowners markets over

More information

South Carolina Wind and Hail Underwriting Association FINAL Zone 1 2010

South Carolina Wind and Hail Underwriting Association FINAL Zone 1 2010 Page 1 of 5 ACCEPTANCE INDEMNITY INSURANCE COMPANY 0.0014% 0.0019% ACE USA COMPANIES 0.2752% 0.3829% AEGIS SECURITY INSURANCE COMPANY 0.2805% 0.3903% AFFILIATED FM INSURANCE COMPNAY 0.1350% 0.0931% AGRI

More information

2015 Private Passenger Automobile

2015 Private Passenger Automobile Private Passenger Automobile OHIO MARKET SHARE FOR TOP 70 INSURANCE GROUPS RANK 1 STATE FARM GRP 1,173,932,927 19.6% 2 PROGRESSIVE GRP 734,397,937 12.3% 3 ALLSTATE INS GRP 641,195,642 10.7% 4 NATIONWIDE

More information

Hurricane Hotline Contact Numbers 07/01/2008

Hurricane Hotline Contact Numbers 07/01/2008 Hurricane Hotline Contact Numbers 07/01/2008 Florida Insurance Council Insurance Industry Provides "Hotline" Contact Numbers To Ease With Claims Process Contact: Sam Miller, 850.386.6668 x 223 Gary Landry,

More information

Insurance Claim Numbers

Insurance Claim Numbers P: 954-389-5897 F: 954-389-6661 Insurance Claim Numbers AAA Insurance (Auto Club Family Insurance Company) 800 222 7623 ext. 5000 Acadia Insurance Company 800 444 0049, ext. 2600 ACE USA Clients receive

More information

2010 Private Passenger Automobile

2010 Private Passenger Automobile Private Passenger Automobile OHIO MARKET SHARE FOR TOP 80 INSURANCE GROUPS RANK 1 STATE FARM GRP 956,392,423 19.0% 2 PROGRESSIVE GRP 600,207,335 11.9% 3 NATIONWIDE CORP GRP 525,097,809 10.4% 4 ALLSTATE

More information

U.S. Homeowners Market

U.S. Homeowners Market U.S. Homeowners Market Casualty Actuarial Society Spring Meeting Kelleen Arquette, FCAS, MAAA May 2013 2013 Towers Watson. All rights reserved. AGENDA Agenda Market Overview Market Definition Direct Written

More information

Hurricane Hotline Contact Numbers

Hurricane Hotline Contact Numbers Hurricane Hotline Contact Numbers 06-23-10 Insurance Industry Provides "Hotline" Contact Numbers To Ease With Claims Process Contact: Sam Miller, 850.386.6668 x 223 Gary Landry, 850.386.6668 x 226 Insurers

More information

2014 Homeowners Insurance Complaint Comparison

2014 Homeowners Insurance Complaint Comparison 2014 Homeowners Insurance Comparison Prepared by the Maine Bureau of Insurance April 2015 Paul R. LePage Governor Anne L. Head Commissioner Eric A. Cioppa Superintendent Background Pursuant to 24 A M.R.S.A.

More information

2007 Property-Casualty Insurance Market

2007 Property-Casualty Insurance Market 2007 Property-Casualty Insurance Market Opportunities & Competitive Challenges For Independent Agents & Brokers By Madelyn Flannagan, Vice President, Education & Research, IIABA Peter van Aartrijk, CIC,

More information

INSURANCE, ADMINISTRATION. 2013 Report on the Effect of Competitive Rating on the Insurance Markets in Maryland

INSURANCE, ADMINISTRATION. 2013 Report on the Effect of Competitive Rating on the Insurance Markets in Maryland INSURANCE, ADMINISTRATION 2013 Report on the Effect of Competitive Rating on the Insurance Markets in Maryland. October 15, 2013 Maryland Insurance Administration 2013 Report on the Effect of Competitive

More information

2015 AUTOMOBILE COMPLAINT INDEX

2015 AUTOMOBILE COMPLAINT INDEX 2015 AUTOMOBILE COMPLAINT INDEX Please note that when a carrier has a small number of policies in force, the complaint ratio will be large. For example, if a company has a few hundred policies in force,

More information

OF CONFIRMED COMPLAINTS FOR 2013 TOTAL NUMBER OF AUTOMOBILE POLICIES COMPANY NAME

OF CONFIRMED COMPLAINTS FOR 2013 TOTAL NUMBER OF AUTOMOBILE POLICIES COMPANY NAME 2013 AUTOMOBILE COMPLAINT INDEX Please note that when a carrier has a small number of policies in force, the complaint ratio will be large. For example, if a company has a few hundred policies in force,

More information

TOTAL NUMBER TOTAL NUMBER OF AUTOMOBILE POLICIES OF CONFIRMED COMPLAINTS FOR 2014 COMPANY NAME

TOTAL NUMBER TOTAL NUMBER OF AUTOMOBILE POLICIES OF CONFIRMED COMPLAINTS FOR 2014 COMPANY NAME 2014 AUTOMOBILE COMPLAINT INDEX Please note that when a carrier has a small number of policies in force, the complaint ratio will be large. For example, if a company has a few hundred policies in force,

More information

Carrier Code Numbers (Board Assigned W Number)

Carrier Code Numbers (Board Assigned W Number) W010250 W012108 W012074 W012124 W019004 W011001 W012009 W036545 W082507 W012132 W045009 W015754 W016380 W016505 W223002 W018758 W019576 W019632 W019756 W020002 W020754 W021000 W022008 W022131 W022503 W155006

More information

November 14, 2014 PUBLIC NOTICE # 2014-46 PUBLIC NOTICE OF INSURANCE COMPANIES RATE FILING. Los Angeles - (213) 346-6707

November 14, 2014 PUBLIC NOTICE # 2014-46 PUBLIC NOTICE OF INSURANCE COMPANIES RATE FILING. Los Angeles - (213) 346-6707 PUBLIC NOTICE # 2014-46 PUBLIC NOTICE OF INSURANCE COMPANIES RATE FILING California Department of Insurance Dave Jones, Commissioner The following companies have submitted rate filings as required by California

More information

Credit-based Insurance Score Homeowners Insurance P044804. Comments of the Center for Economic Justice on

Credit-based Insurance Score Homeowners Insurance P044804. Comments of the Center for Economic Justice on on Model Section 6(b) Order for Data from Insurance Companies for Use in FACT Act Section 215 Study of Insurance Scoring June 18, 2008 The Center for Economic Justice (CEJ) supports the Commissioners resolution

More information

Measuring Crash Avoidance System Effectiveness with Insurance Data

Measuring Crash Avoidance System Effectiveness with Insurance Data www.iihs.org Measuring Crash Avoidance System Effectiveness with Insurance Data 2013 Government/Industry Meeting Washington, DC January 30, 2013 Matthew Moore, Vice President, HLDI The Insurance Institute

More information

West Virginia Offices of the Insurance Commissioner Workers' Compensation Carriers That Have Made Filings with the Rates and Forms Division

West Virginia Offices of the Insurance Commissioner Workers' Compensation Carriers That Have Made Filings with the Rates and Forms Division Accident Fund General Insurance Company 517-342-4200 Accident Fund Insurance Company of America 517-367-1400 Accident Fund National Insurance Company 517-342-4200 ACE American Insurance Company 215-640-4555

More information

J.D. Power Reports: Gen Y Least Satisfied among Generational Segments with Homeowners and Renters Insurance

J.D. Power Reports: Gen Y Least Satisfied among Generational Segments with Homeowners and Renters Insurance J.D. Power Reports: Gen Y Least Satisfied among Generational Segments with Homeowners and Renters Insurance Amica Mutual Ranks Highest in Homeowners Insurance Customer Satisfaction; GEICO Ranks Highest

More information

STATE OF NEW HAMPSHIRE WORKERS COMPENSATION LOSS COST MULTIPLIERS

STATE OF NEW HAMPSHIRE WORKERS COMPENSATION LOSS COST MULTIPLIERS : 11/5/2014 Page: 1 0626 ACE USA 22667 0626 ACE USA 20702 0626 ACE USA 20699 0626 ACE USA 43575 0626 ACE USA 22713 0626 ACE USA 22748 Ace American Insurance Ace Fire Underwriters Insurance Ace Property

More information

West Virginia Offices of the Insurance Commissioner Workers' Compensation Carriers That Have Made Filings with the Rates and Forms Division

West Virginia Offices of the Insurance Commissioner Workers' Compensation Carriers That Have Made Filings with the Rates and Forms Division Accident Fund General Insurance Company 517-342-4200 Accident Fund Insurance Company of America 517-367-1400 Accident Fund National Insurance Company 517-342-4200 ACE American Insurance Company 215-640-4555

More information

Companies Filing on Property/Casualty Blank Homeowners multiple peril Business in Mississippi for Year Ended 12/31/2008

Companies Filing on Property/Casualty Blank Homeowners multiple peril Business in Mississippi for Year Ended 12/31/2008 Companies Filing on Property/Casualty Blank Homeowners multiple peril Business in Mississippi for Year Ended 12/31/28 Premiums Market Losses Premiums Losses Paid Earned State Farm Fire and Casualty Company

More information

AUTO INSURANCE REPORT

AUTO INSURANCE REPORT AUTO INSURANCE REPORT The Authority on Insuring Personal and Commercial Vehicles Vol. 22#41/1049 INSIDE Third-party software, big data, and online price shopping are among the trends benefiting smaller

More information

PCI ACIC INSURANCE TIPS. After an Earthquake

PCI ACIC INSURANCE TIPS. After an Earthquake PCI ACIC INSURANCE TIPS After an Earthquake Insurance Tips for Earthquakes PCI s Napa Earthquake Disaster Recovery and Insurance Information Kit Following the 6.1 earthquake near Napa, California, the

More information

Advice and Reasonable Pricing Drive Customer Satisfaction with Brokers in J.D. Power 2015 Large Commercial Insurance Study

Advice and Reasonable Pricing Drive Customer Satisfaction with Brokers in J.D. Power 2015 Large Commercial Insurance Study Advice and Reasonable Pricing Drive Customer Satisfaction with Brokers in J.D. Power 2015 Large Commercial Insurance Study Arthur J. Gallagher & Co. Ranks Highest among Large Commercial Insurance Brokers

More information

Complaint Ratio Index Report of Maryland's Top 20 Auto Insurers for 1998

Complaint Ratio Index Report of Maryland's Top 20 Auto Insurers for 1998 1 Complaint Ratio Index Report of Maryland's Top 20 Auto Insurers for 1998 A resource for consumers provided by the Maryland Insurance Administration 525 St. Paul Place Baltimore, MD 21202 1-800-492-6116

More information

OHIO. Property and Casualty Insurance. Market Share Report

OHIO. Property and Casualty Insurance. Market Share Report OHIO Property and Casualty Insurance Market Share Report Table of Contents Total Personal Lines Private passenger Automobile Homeowners Multiple Peril Farmowners Multiple Peril Commercial Lines Commercial

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

PROPERTY INSURANCE REPORT

PROPERTY INSURANCE REPORT PROPERTY INSURANCE REPORT The Authority on Insuring Homes and Commercial Property Vol. 21#19/499 INSIDE Call centers must change to adapt to the advent of video calls. Page 2 Agents can use video. Page

More information

INSURANCE COMPANY CLAIM PHONE NUMBERS. Updated 9/11/08

INSURANCE COMPANY CLAIM PHONE NUMBERS. Updated 9/11/08 INSURANCE COMPANY CLAIM PHONE NUMBERS Updated 9/11/08 INDEPENDENT INSURANCE AGENTS & BROKERS OF LOUISIANA 9818 BLUEBONNET BLVD. BATON ROUGE, LA 70810 PHONE: 225/819-8007 FAX: 225/819-8027 EMAIL: iiabl@iiabl.com

More information

2008 Annual Ranking of Automobile Insurance Complaints

2008 Annual Ranking of Automobile Insurance Complaints New York State Insurance Department 2008 Annual Ranking of Automobile Insurance Complaints David A. Paterson Governor Eric R. Dinallo Superintendent This Annual Ranking of Automobile Insurance Complaints

More information

Maryland Insurance Administration. 2009 Report on the Effect of Competitive Rating on the Insurance Markets in Maryland

Maryland Insurance Administration. 2009 Report on the Effect of Competitive Rating on the Insurance Markets in Maryland Maryland Insurance Administration 2009 Report on the Effect of Competitive Rating on the Insurance Markets in Maryland January, 2010 Maryland Insurance Administration 2009 Report on the Effect of Competitive

More information

10/06/11 VIRGINIA PROPERTY INSURANCE ASSOCIATION PAGE: 1 PARTICIPATION REPORT 2012 FISCAL YEAR COMPANY NAME NAIC PREMIUM PART PCT

10/06/11 VIRGINIA PROPERTY INSURANCE ASSOCIATION PAGE: 1 PARTICIPATION REPORT 2012 FISCAL YEAR COMPANY NAME NAIC PREMIUM PART PCT 10/06/11 VIRGINIA PROPERTY INSURANCE ASSOCIATION PAGE: 1 ACADIA INSURANCE COMPANY 31325 $498,811.0221% ACE AMERICAN INSURANCE COMPANY 22667 $4,169,373.1843% ACE FIRE UNDERWRITERS INSURANCE COMPANY 20702

More information

Licensed Homeowners' Writers in Virginia in 2014

Licensed Homeowners' Writers in Virginia in 2014 d Homeowners' Writers in Virginia in 2014 Rank Company Name Premiums Written 1 0176 25143 STATE FARM FIRE AND CASUALTY COMPANY $398,480,752 19.13% 19.13% 2 0200 25941 UNITED SERVICES AUTOMOBILE ASSOCIATION

More information

2004 Consumer Complaint Ratio Report

2004 Consumer Complaint Ratio Report Consumer Report A Consumer s Guide to s Against Kansas Insurance Companies Home Table of Contents Message from Commissioner Praeger 2 About the Report 3 Auto User s Guide 4-5 Report Limitations 6 Accident

More information

VOTING AT ANNUAL GENERAL MEETING

VOTING AT ANNUAL GENERAL MEETING VOTING AT ANNUAL GENERAL MEETING ONTARIO VOTING BY MEMBERS AT AN ANNUAL GENERAL OR SPECIAL MEETING, OR BY MAIL, SHALL BE BASED ON THE MEMBER S TOTAL VOLUME OF VOLUNTARY AUTOMOBILE DIRECT WRITTEN PREMIUM

More information

WORKERS COMP LOSS COST MULTIPLIERS AND EXPENSE CONSTANTS Approved as of October 31, 2015

WORKERS COMP LOSS COST MULTIPLIERS AND EXPENSE CONSTANTS Approved as of October 31, 2015 as of October 31, 2015 40517 Advantage Workers Comp Ins Co $200 1.300 10/01/08 15334 Alliance Natl Ins Co $200 1.326 10/01/08 18538 Bancinsure Inc $180 1.400 10/01/08 13528 Brotherhood Mut Ins Co $140

More information

2013 Complaint Ratio per $1 Million of Direct Premiums

2013 Complaint Ratio per $1 Million of Direct Premiums 2013 Complaint Ratio per $1 Million of Direct Premiums Property and Liability Companies Showing 0 or More Complaints Having Premium Dollars of at Least $1 For Coverage Type: Private Auto - All Company

More information

CARRIERS WITH POWER OF ATTORNEY IN SUREPATH

CARRIERS WITH POWER OF ATTORNEY IN SUREPATH CARRIERS WITH POWER OF ATTORNEY IN SUREPATH Ace American Westchester Fire Insurance Company Aegis Security Insurance Company Aegis Security Insurance Company AIU Holdings/ AIG American Home Assurance Company

More information

NEBRASKA DEPARTMENT OF INSURANCE LOSS COST MULTIPLIERS IN EFFECT as of November 1, 2015 NE Company

NEBRASKA DEPARTMENT OF INSURANCE LOSS COST MULTIPLIERS IN EFFECT as of November 1, 2015 NE Company BRASKA DEPARTMENT OF INSURANCE 1 of 9 Acadia Insurance 31325 1.1660 04/01/2015 Acceptance Indemnity Inc 157 1.3000 03/27/2001 Accident Fund General Insurance 341048 1.8000 02/01/2013 Accident Fund Insurance

More information

Connecticut 201 workers compensation rates, loss costs and loss-cost multipliers

Connecticut 201 workers compensation rates, loss costs and loss-cost multipliers PIACT Doc. No. 06124 Connecticut 201 workers compensation rates, loss costs and loss-cost multipliers The information contained within this Resource kit was made available by the National Council on Compensation

More information

REINSURANCE & FRONTING MARKET UPDATE - 2014

REINSURANCE & FRONTING MARKET UPDATE - 2014 REINSURANCE & FRONTING MARKET UPDATE - 2014 Reinsurance & Fronting Market Update 2014 Michael Woodroffe, President Agenda 1. Overview of Market in 2013 2. Current Captive Reinsurers 3. Reinsurance Strategies

More information

Preparing for the Hard Market in Personal Auto Insurance

Preparing for the Hard Market in Personal Auto Insurance Preparing for the Hard Market in Personal Auto Insurance A Management Discussion Based on the 2009 National Auto Insurance Study SM Financial Services and Insurance Research Group August 2009 A Global

More information

Oregon Fair Plan 2009 Participation Factors. NAIC GRP # Group Name NAIC_NMBR NAME

Oregon Fair Plan 2009 Participation Factors. NAIC GRP # Group Name NAIC_NMBR NAME 0 N/A 13412 AUSTIN MUTUAL INSURANCE COMPANY MN MN $1,488,576 0.207910% 0 N/A 18767 CHURCH MUTUAL INSURANCE COMPANY WI WI $2,157,330 0.301315% 0 N/A 23108 LUMBERMEN'S UNDERWRITING ALLIANCE MO FL $3,447,383

More information

Michigan Life & Health Insurance Guaranty Association

Michigan Life & Health Insurance Guaranty Association Michigan Life & Health Insurance Guaranty Association 1640 Haslett Road, Suite 160 Haslett, MI 48840-8683 telephone 517-339-1755 fax 517-339-5500 email jcolpean@milifega.org To: Member Company Michigan

More information

teen drivers BEGINNING INSURANCE INSTITUTE FOR HIGHWAY SAFETY

teen drivers BEGINNING INSURANCE INSTITUTE FOR HIGHWAY SAFETY teen BEGINNING drivers INSURANCE INSTITUTE FOR HIGHWAY SAFETY BEGINNING DRIVERS AND CRASH RISK Getting a license is an important milestone for teens and parents, but being a beginning driver carries special

More information

2013 Casualty Loss Reserve Seminar

2013 Casualty Loss Reserve Seminar 213 Towers Watson. All rights reserved. 213 Casualty Loss Reserve Seminar Concurrent Session LOB-2: Current Issues In Managing Asbestos Liabilities Steven C. Lin, FCAS, MAAA September 16, 213 Agenda Asbestos

More information

2015 Report on Availability and Affordability of Health Care Medical Professional Liability Insurance in Maryland

2015 Report on Availability and Affordability of Health Care Medical Professional Liability Insurance in Maryland 215 Report on Availability and Affordability of Health Care Medical Professional Liability Insurance in Maryland October 215 MSAR 2976 Table of Contents Executive Summary...1 Introduction...2 Medical Malpractice

More information

Insurance. Hurricane Season 2012 A Desk Reference for Insurance Investors Special Report Summary. Property/Casualty Insurers / U.S.A.

Insurance. Hurricane Season 2012 A Desk Reference for Insurance Investors Special Report Summary. Property/Casualty Insurers / U.S.A. Hurricane Season 2012 A Desk Reference for Insurance Investors Special Report Summary Property/Casualty s / U.S.A. Recent Catastrophes Spur Favorable Pricing: The proliferation of catastrophe events in

More information

2014 Commercial Lines

2014 Commercial Lines Commercial Lines OHIO MARKET SHARE FOR TOP 70 INSURANCE GROUPS 1 CINCINNATI FIN GRP 443,089,173 8.0% 2 AMERICAN INTL GRP 351,947,022 6.4% 3 LIBERTY MUT GRP 306,070,939 5.5% 4 Travelers Grp 287,109,713

More information

Members as of June 30, 2015 DCO # COMPANY NAME TEAM ASSIGNED 00452 ACADIA INSURANCE COMPANY 01 03106 ACCIDENT FUND GENERAL INSURANCE COMPANY 03 01788

Members as of June 30, 2015 DCO # COMPANY NAME TEAM ASSIGNED 00452 ACADIA INSURANCE COMPANY 01 03106 ACCIDENT FUND GENERAL INSURANCE COMPANY 03 01788 Members as of June 30, 2015 DCO # COMPANY NAME TEAM ASSIGNED 00452 ACADIA INSURANCE COMPANY 01 03106 ACCIDENT FUND GENERAL INSURANCE COMPANY 03 01788 ACCIDENT FUND INSURANCE COMPANY OF AMERICA 03 03487

More information

Texas Private Passenger Automobile Insurance Profitability, 1990 to 1998. A Report by the Center for Economic Justice. April 1999

Texas Private Passenger Automobile Insurance Profitability, 1990 to 1998. A Report by the Center for Economic Justice. April 1999 Texas Private Passenger Automobile Insurance Profitability, 1990 to 1998 This report reviews the loss ratio experience of Texas private passenger automobile insurers from 1990 through 1998 and with particular

More information

OHIO. Property and Casualty Insurance. Market Share Report

OHIO. Property and Casualty Insurance. Market Share Report OHIO Property and Casualty Insurance Market Share Report Table of Contents Total Personal Lines Private passenger Automobile Homeowners Multiple Peril Farmowners Multiple Peril Commercial Lines Commercial

More information

Assured Briefing - Abbreviated

Assured Briefing - Abbreviated Assured Research, LLC Assured Briefing - Abbreviated March, 2013 What s Inside The Assured Briefing is a monthly research note analyzing financial, legal, claim, or business development matters of relevance

More information

J.D. Power Reports: Auto Insurance Satisfaction Reaches All-Time High, Fewer and Smaller Premium Increases Cited

J.D. Power Reports: Auto Insurance Satisfaction Reaches All-Time High, Fewer and Smaller Premium Increases Cited w J.D. Power Reports: Auto Insurance Satisfaction Reaches All-Time High, Fewer and Smaller Premium Increases Cited Auto-Owners Insurance, and Each Rank Highest in Two of the 11 Regions WESTLAKE VILLAGE,

More information

CARRIERS WITH POWER OF ATTORNEY IN SUREPATH

CARRIERS WITH POWER OF ATTORNEY IN SUREPATH CARRIERS WITH POWER OF ATTORNEY IN SUREPATH Ace American Westchester Fire Insurance Company Aegis Security Insurance Company Aegis Security Insurance Company AIU Holdings/ AIG American Home Assurance Company

More information

Oregon Fair Plan 2013 Participation Factors (Based on 2011 Data)

Oregon Fair Plan 2013 Participation Factors (Based on 2011 Data) NAIC_GRP _NMBR Group Name NAIC_ NMBR NAME Dom State Total Premiums less Dividends Approtioned Percentage 38733 ALASKA NATIONAL INSURANCE COMPANY AK AK $161,829 0.021422% 41459 ARMED FORCES INSURANCE EXCHANGE

More information

PROPERTY INSURANCE REPORT

PROPERTY INSURANCE REPORT PROPERTY INSURANCE REPORT The Authority on Insuring Homes and Commercial Property Vol. 22#6/510 Sept. 7, 2015 INSIDE Table: Allstate premium and loss ratios by state, 2013-2014. Pages 2-3 Home-grown insurers

More information

NMVTIS JUNK AND SALVAGE REPORTING PROGRAM Insurers Reporting Status As of May 6, 2009

NMVTIS JUNK AND SALVAGE REPORTING PROGRAM Insurers Reporting Status As of May 6, 2009 Column1 Column2 1ST AUTO & CASUALTY COMPANY 04/27/2009 AAA - IDAHO 04/13/2009 AAA MOUNTAIN 04/08/2009 AAA TEXAS COUNTY MUTUAL INS CO 04/13/2009 ACCC INSURANCE COMPANY 05/03/2009 ACCEPTANCE INDEMNITY INS

More information

Are You in the Path of a Rate Increase Storm?

Are You in the Path of a Rate Increase Storm? Are You in the Path of a Rate Increase Storm? Gallagher Property Practice The Impact of Superstorm Sandy on the Property Insurance Market Are You in the Path of a Rate Increase Storm? Will commercial insurance

More information

Member Name 21st Century North America Insurance Company 21st Century Premier Insurance Company Acceptance Indemnity Insurance Company Accident Fund

Member Name 21st Century North America Insurance Company 21st Century Premier Insurance Company Acceptance Indemnity Insurance Company Accident Fund Member Name 21st Century North America Insurance Company 21st Century Premier Insurance Company Acceptance Indemnity Insurance Company Accident Fund Insurance Company of America ACE American Insurance

More information

CONTINGENT INSURANCE COMMISSIONS: IMPLICATIONS FOR CONSUMERS

CONTINGENT INSURANCE COMMISSIONS: IMPLICATIONS FOR CONSUMERS CONTINGENT INSURANCE COMMISSIONS: IMPLICATIONS FOR CONSUMERS A Report by the Consumer Federation of America January 26, 2005 J. Robert Hunter Director of Insurance Consumer Federation of America 1424 16th

More information

2014 TN Other Private Passenger Auto Liability

2014 TN Other Private Passenger Auto Liability 2014 TN Other Private Passenger Auto Liability Company Name DPW Market Share State Farm Mut Auto Ins Co 416,108,482 22.07% Tennessee Farmers Mut Ins Co 298,689,418 15.84% Allstate Prop & Cas Ins Co 77,727,743

More information

Mississippi Insurance Department Property/Casualty Rate Filing Bulletin MARCH 2004

Mississippi Insurance Department Property/Casualty Rate Filing Bulletin MARCH 2004 Mississippi Insurance Department Property/Casualty Rate Filing Bulletin MARCH 2004 ACIG INSURANCE COMPANY files to adopt current NCCI loss costs and selects loss cost multiplier of 1.208. The overall rate

More information

Lines of Business. Other. Commercial General Liability. Commercial Inland Marine. Worker's Compensation. Direct Bill Commission. Commercial Umbrella

Lines of Business. Other. Commercial General Liability. Commercial Inland Marine. Worker's Compensation. Direct Bill Commission. Commercial Umbrella AAA California State Automobile Association NCNU AAA Member Select AAA Missouri AIG Agency Auto AIG Premier Acadia (Berkley Mid-Atlantic Group) ACE Private Risk Service Acuity Agency Insurance Company

More information

PROPERTY INSURANCE REPORT

PROPERTY INSURANCE REPORT PROPERTY INSURANCE REPORT The Authority on Insuring Homes and Commercial Property Vol. 21#17/497 Feb. 23, 2015 INSIDE Table: The HURT Index, an examination of homeowners insurance costs as a percentage

More information

Mississippi Insurance Department Property/Casualty Rate Filing Bulletin December 2005

Mississippi Insurance Department Property/Casualty Rate Filing Bulletin December 2005 Mississippi Insurance Department Property/Casualty Rate Filing Bulletin December 2005 ACE AMERICAN INSURANCE COMPANY files initial rates, rules and forms for their new Education Legal Liability and Employment

More information

Shopping for a. safer car. insurance institute for highway safety

Shopping for a. safer car. insurance institute for highway safety Shopping for a safer car 2013 insurance institute for highway safety Selecting a safer new vehicle is a lot easier than it used to be. Most new cars, minivans, pickup trucks and SUVs earn good ratings

More information

NEW YORK STATE HOMEOWNERS COVERAGE APPROVED INDEPENDENT MANDATORY HURRICANE DEDUCTIBLES: REVISED AS OF 8/18/2015

NEW YORK STATE HOMEOWNERS COVERAGE APPROVED INDEPENDENT MANDATORY HURRICANE DEDUCTIBLES: REVISED AS OF 8/18/2015 Company Name AAIS (A) Optional, See Note A The deductible is applicable when a windstorm loss occurs 12 hours before or 12 hours after a Category 2 hurricane, as determined by the National Weather Service,

More information

Part II Summary of Company Data

Part II Summary of Company Data Part II Summary of Company Data This section of the Texas Department of Insurance s 137th Annual Report summarizes the agency s company licensing activities during fiscal year 2012, including issuance

More information

teen drivers BEGINNING insurance institute for highway safety iihs.org iihs.org/rss youtube.com/iihs @IIHS_autosafety m.iihs.org

teen drivers BEGINNING insurance institute for highway safety iihs.org iihs.org/rss youtube.com/iihs @IIHS_autosafety m.iihs.org 1005 N Glebe Road Arlington, VA 22201 USA IIHS 703/247-1500 HLDI 703/247-1600 iihs.org iihs.org/rss youtube.com/iihs @IIHS_autosafety m.iihs.org teen BEGINNING drivers MeMber groups Acceptance Insurance

More information