MEMORANDUM. July 19, 2013
|
|
- Carmel Anderson
- 8 years ago
- Views:
Transcription
1 MEMORANDUM July 19, 2013 To: CC: Barry Stanton, Deputy Chief Administrative Officer for Public Safety Mark Magaw, Chief of Police, Henry Stawinski, Deputy Chief of Police From: Alexander Krughoff, CountyStat Analyst Subject: Auto Insurance Rate Difference for County Residents Prince George s County residents have long complained about paying higher auto insurance premiums than residents of surrounding jurisdictions as a result of the County having one of the highest rates of auto thefts in the region. Unfortunately, auto insurance industry practices and data do not support this theory. Prince George s County saw auto theft rates decline from a high in 2004 of 16,332 by 66 percent by 2010, according to FBI data. Similarly, in Montgomery County, auto theft rates dropped 61 percent from a decade high in 2002 of 3,722 to 1,455 in While not definitive due to sampling issues, insurance premiums appear to have decreased in both jurisdictions at the same rate between 2004 and While auto insurance rates appear to have decreased at the same time auto theft rates dropped, it is unlikely they the driving reason. This is due in large part to the low weight of auto theft rates in the actuarial formulas used by insurers to calculate premiums. The top factors for determining insurance premiums are driver history, type of car driven, annual miles driven, and length of time with continuous coverage. While data and industry practices do not support the theory of County residents paying higher rates due to higher auto theft rates than other Maryland jurisdictions, it is not possible to establish that County residents pay high rates across the board. Because each insurer uses their own actuarial formula based on its own insured population and other operation factors, rates vary significantly from company to company even within the same jurisdiction for the same driver. When it comes to dealing with high auto insurance premiums, consumer advocates recommend shopping around. According to the data reviewed by CountyStat, this approach has the potential to reduce rates for some County residents. To help simplify this process, the Maryland Insurance Administration (MIA) publishes a handbook on auto insurance twice a year. The publication lists rates for several common customer profiles with rates from numerous insurers, which consumers can use to help identify companies offering lower premiums. The MIA handbook can be downloaded for free here. 1
2 Auto Theft Rates Motor vehicle thefts are defined by the FBI as the theft or attempted theft of a motor vehicle, and specifically excludes motorboats, construction equipment, airplanes, and farming equipment. Every year, motor vehicle thefts are reported by law enforcement agencies to the FBI and published in the Uniform Crime Report. The most recent published motor vehicle theft data is for CHART 1:UCR AUTO THEFT RATES ,000 35,000 30,000 25,000 20,000 15,000 10,000 5, Baltimore City Montgomery County Prince Georges County Maryland Source: FBI, Uniform Crime Reports, prepared by the National Archive of Criminal Justice Data According to UCR data, motor vehicle thefts in Maryland spiked in 2003, but have been steadily decreasing since. In 2010, total motor vehicle theft rates were just under half of the County s high in Motor vehicle theft rates in Prince George s County for the most part have followed the statewide trend, seeing theft rates drop from a high in 2004 of 16,332 to 5,597 in It should be noted that between 2000 and 2010, Prince George s County accounted on average for 37 percent of the motor vehicle thefts Maryland, the highest average of any jurisdiction in the state. The County percentage of the state s auto theft rate was at a high of 46 percent in 2004, but dropped to 31 percent in In Montgomery County, auto theft rates peaked in 2002 at 3,733, but declined to a low of 1,455 in Auto Insurance Premium Data The data used for this study was compiled by the MIA, which publishes a twice annual handbook on best practices for purchasing auto insurance in Maryland and rate comparisons among licensed brokers operating in the state. CountyStat analyzed MIA auto insurance premium data for the years 2004 through 2010 for this memorandum. But due to changes in scenarios, zip codes and minimum liability limits it is difficult to make a mathematically sound comparison from year to year. It should be noted that when it comes to 2
3 calculating premiums, each insurance company calculates its rates based on its current customer base, market share and number of other factors, which is the reason rates can vary drastically between providers. Without access to the data and actuarial formulas used by each insurance provider it is not possible to identify the rate differences for County residents compared to drivers of surrounding jurisdictions. CountyStat also reviewed data provided by the Center for the Study of Services, an independent, nonprofit consumer organization that regularly collects auto insurance premium rates in Prince George s County, Montgomery County and other surrounding jurisdictions. But similar to the problems mentioned with the MIA data, subtle changes to the rate scenarios, driver history, zip codes and other collection criteria, making year-to-year comparisons is not mathematically practical. Charts 2 through 4 are the result of analysis of rate data from MIA from 2004 through The data sets are from three different scenarios: A three-driver family; a single 30-year-old female; and a single 23-year old male driver. Montgomery County was only other jurisdiction of comparable size with data available for the selected time period. CHART 2: FAMILY RATES Prince George's County Average $ 4,739 $ 4,100 $ 3,220 $ 3,997 $ 3,622 $ 3,508 $ 3,333 Montgomery County Average $ 4,254 $ 3,624 $ 3,005 $ 3,440 $ 3,163 $ 3,112 $ 3,020 State Average $ 4,396 $ 3,759 $ 3,475 $ 3,190 $ 2,956 $ 2,872 $ 2,695 PGC Average vs. State Average 7% 8% -8% 20% 18% 18% 19% PGC Average vs. MC Average 10% 12% 7% 14% 13% 11% 9% PGC Standard Deviation $ 2,414 $ 2,106 $ 1,516 $ 2,120 $ 1,883 $ 1,706 $ 1,609 PGC Maximum Value $ 10,637 $ 10,184 $ 9,588 $ 10,519 $ 8,951 $ 9,294 $ 7,126 PGC Minimum Value $ 1,361 $ 1,266 $ 1,248 $ 1,444 $ 1,646 $ 1,504 $ 963 MC Standard Deviation $ 2,214 $ 1,755 $ 1,537 $ 1,723 $ 1,573 $ 1,399 $ 1,376 MC Maximum Value $ 10,102 $ 10,102 $ 9,588 $ 9,386 $ 8,026 $ 7,925 $ 6,773 MC Minimum Value $ 1,415 $ 1,385 $ 1,088 $ 1,323 $ 1,425 $ 1,279 $ 1,275 3
4 CHART 3: FEMALE RATES Prince George's County Average $ 1,599 $ 1,624 $ 1,404 $ 2,858 $ 1,255 $ 1,311 $ 1,269 Montgomery County Average $ 1,446 $ 1,320 $ 1,197 $ 2,463 $ 1,085 $ 1,142 $ 1,122 State Average $ 1,483 $ 1,426 $ 1,247 $ 2,270 $ 1,031 $ 1,093 $ 1,057 PGC Average vs. State Average 7% 12% 11% 21% 18% 17% 17% PGC Average vs. MC Average 10% 19% 15% 14% 14% 13% 12% PGC Standard Deviation $ 623 $ 598 $ 591 $ 1,305 $ 600 $ 671 $ 563 PGC Maximum Value $ 3,154 $ 2,922 $ 2,908 $ 6,621 $ 3,241 $ 4,346 $ 3,037 PGC Minimum Value $ 636 $ 601 $ 533 $ 791 $ 584 $ 521 $ 477 MC Standard Deviation $ 542 $ 497 $ 432 $ 974 $ 480 $ 533 $ 439 MC Maximum Value $ 2,808 $ 2,808 $ 2,331 $ 5,779 $ 2,825 $ 3,796 $ 2,427 MC Minimum Value $ 613 $ 548 $ 591 $ 623 $ 489 $ 575 $ 612 CHART 4: MALE RATES Prince George's County Average $ 4,485 $ 4,467 $ 3,074 $ 2,883 $ 2,579 $ 2,426 $ 2,441 Montgomery County Average $ 4,140 $ 4,022 $ 2,537 $ 2,473 $ 2,249 $ 2,155 $ 2,189 State Average $ 4,225 $ 4,113 $ 2,699 $ 2,279 $ 2,108 $ 2,026 $ 2,028 PGC Average vs. State Average 6% 8% 12% 21% 18% 16% 17% PGC Average vs. MC Average 8% 10% 17% 14% 13% 11% 10% PGC Standard Deviation $ 1,745 $ 1,724 $ 1,192 $ 1,309 $ 1,188 $ 1,035 $ 901 PGC Maximum Value $ 11,473 $ 11,459 $ 6,705 $ 6,621 $ 6,621 $ 6,720 $ 4,864 PGC Minimum Value $ 1,579 $ 1,669 $ 1,329 $ 791 $ 830 $ 967 $ 736 MC Standard Deviation $ 1,683 $ 1,617 $ 775 $ 983 $ 978 $ 846 $ 748 MC Maximum Value $ 10,880 $ 10,868 $ 4,585 $ 5,779 $ 5,779 $ 5,932 $ 3,862 MC Minimum Value $ 1,444 $ 1,333 $ 1,106 $ 623 $ 704 $ 825 $ 852 While the charts present data for multiple years, year-to-year comparisons should not be made due to changes in the scenarios that impact rate quotes provided from the insurers. What can be extrapolated from the data in Charts 2-4 is the tremendous amount of variance between premiums for the same driver, no matter the jurisdiction. In some cases rates are cheaper for drivers in Prince George s County than those in Montgomery County, which can be viewed when looking comparing the PGC Minimum Value and the MC Minimum Value. 4
5 How Are Premiums Determined? Auto insurance premiums are calculated by each insuring authority using an actuarial formula that ranks a number of different factors to arrive to a specific rate for the driver in question. Top indicators for determining premiums are: driver history, type of car insured, driver profile, how much a driver drives and length of time with continuous coverage, although there are other factors, their weight in the actuarial formula is much less. A driver s credit history can also be a heavily weighted factor in determining premiums. Insurers use data provided one of the three major credit reporting bureaus - Equifax, Experian, and TransUnion, and enter that data into their actuarial model to determine if a consumer is more likely to have claims. Again, these formulas vary from company to company and are different than those used by lenders to determine a consumer s credit score. In Maryland, the insurers are prohibited by law from refusing to underwrite, cancel, refuse to renew, increase renewal premium or require a particular payment based on a consumer s credit score. 5
WHITE PAPER Insurance Rates and Your Credit: What Every Consumer Should Know. October 21, 2013 1
WHITE PAPER Insurance Rates and Your Credit: What Every Consumer Should Know October 21, 2013 1 1. What is a Credit-Based Insurance Score 2. Why do insurers use a Credit-Based Insurance Score? 3. What
More informationProgressive Insurance Cost by Neighborhood
Maryland Drivers Pay More Depending on Where They Live: Drivers with Accidents in Wealthy Neighborhoods Pay Less than Drivers with Perfect Records in Struggling Communities In Maryland, most drivers, even
More informationLow-Income Drivers and the Need for Affordable Auto Insurance 1
Low-Income Drivers and the Need for Affordable Auto Insurance 1 Summary of the Issue The automobile insurance Maryland law requires is often out of reach for low-income individuals. Auto insurance providers
More informationAuto Insurance Buyers Guide
Auto Insurance Buyers Guide Table of Contents Understand Your Rights as a Consumer...1 Introduction...... 2 Why You Need Auto Insurance...... 3 When to Shop for a New Auto Insurance Policy.. 4 How to Shop
More informationUNDERSTANDING HOW INSURERS USE CREDIT INFORMATION
The State of New Hampshire Insurance Department 21 South Fruit Street, Suite 14 Concord, NH 03301 (603) 271-2261 Fax (603) 271-1406 TDD Access: Relay NH 1-800-735-2964 Roger A. Sevigny Commissioner Alexander
More informationUnderstanding How Insurers Use Credit Information
Understanding How Insurers Use Credit Information UNDERSTANDING HOW INSURERS USE CREDIT INFORMATION Many personal auto and homeowners insurance companies look at several factors, including consumer credit
More informationThe Maryland Automobile Insurance Fund and the Private Insurance Market
The Maryland Automobile Insurance Fund and the Private Insurance Market January 2004 Section I Topics discussed in this section: Who created MAIF and why was it created? Was MAIF created to compete with
More informationAll about. credit information and insurance
All about credit information and insurance Introduction The principle of equity in P&C insurance requires that the premium reflect the insurance risk. Credit scoring is one of the criteria used by P&C
More informationThe Use of Credit Scores by Auto Insurers: Adverse Impacts on Low- and Moderate-Income Drivers
The Use of Credit Scores by Auto Insurers: Adverse Impacts on Low- and Moderate-Income Drivers December 2013 Stephen Brobeck Executive Director J. Robert Hunter Director of Insurance Tom Feltner Director
More informationA CONSUMER GUIDE TO AUTO INSURANCE INSURANCE ADMINISTRATION
A CONSUMER GUIDE TO AUTO INSURANCE INSURANCE ADMINISTRATION TABLE OF CONTENTS Introduction...1 How to Shop for Auto Insurance....1 What Factors Impact Rates?...6 What Discounts are Available?....8 Basic
More informationReclaiming your identity
Reclaiming your identity A resource for victims of identity theft If you think you are the victim of identity theft, use this resource guide to assist you in reclaiming your identity. You will find a checklist
More informationComplaint 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 informationA CONSUMER'S GUIDE TO INSURANCE COMPANIES' USE OF CREDIT INFORMATION. from YOUR North Carolina Department of Insurance CONSUMER'SGUIDE
A CONSUMER'S GUIDE TO INSURANCE COMPANIES' USE OF CREDIT INFORMATION from YOUR North Carolina Department of Insurance CONSUMER'SGUIDE A MESSAGE FROM YOUR INSURANCE COMMISSIONER Greetings, Auto and Homeowners
More information8 Interpreting Crime Data and Statistics
8 Interpreting Crime Data and Statistics Rachel Boba T he goal of this chapter is to provide knowledge of how to appropriately apply and interpret statistics relevant to crime analysis. This chapter includes
More informationAll About Auto Insurance
All About Auto Insurance The legal responsibility involved when you are in a car accident is extraordinary. Basically, if you hurt someone else while driving, there s no limit to the amount he or she can
More informationPlugging Premium Leakage
Plugging Premium Leakage Using Analytics to Prevent Underwriting Fraud WHITE PAPER SAS White Paper Table of Contents Introduction.... 1 Types of Underwriting Fraud... 1 Application Fraud/Rate Manipulation....
More informationThe Game of Life Purchasing Auto Insurance Updated: 2016-02-10
The Game of Life Purchasing Auto Insurance Updated: 2016-02-10 One of the most common experiences young adults encounter can be one of the most mysterious: purchasing auto insurance. It might not seem
More informationHow Safe Are Our Roads?
How Safe Are Our Roads? Annual Data Report on the Impact of Drunk Driving on Road Safety in the Washington D.C. Metropolitan Region December 2010 A Look at Regional and National Figures Regional Totals
More informationazag.gov PROTECT YOURSELF AGAINST IDENTITY THEFT Office of Arizona Attorney General TERRY GODDARD For more information, contact:
For more information, contact: Office of Arizona Attorney General Terry Goddard 1275 West Washington Street Phoenix, Arizona 85007 602-542-5763 400 West Congress, Suite 315 Tucson, Arizona 85701 520-628-6504
More informationCheap Car Insurance: How to Slash Your Auto Insurance Costs and Get Cheap Quotes
Cheap Car Insurance: How to Slash Your Auto Insurance Costs and Get Cheap Quotes Copyright by BizMove Publishing. All rights reserved. Table of Contents 1. How to Get Cheap Car Insurance Quotes 2. What
More informationFinancial Responsibility. Costs of Owning a Vehicle Trip Planning
Mod 10 Financial Responsibility Buying a Used Vehicle Costs of Owning a Vehicle Trip Planning Financial Responsibility Law $ Minimum liability coverage $ $500 Uninsured motorist fee Virginia Auto Insurance
More informationInsurance Education. www.insurance-education.org. Auto Insurance. The Basics. A project of Consumer Action
Insurance Education www.insurance-education.org Auto Insurance The Basics A project of Consumer Action Auto insurance protects you and others from losses involving your car. It would pay medical bills
More informationFiling Smart Financial and Data Services Filings Guide
The Filing Smart web page is divided into nine sections http://www.tdi.texas.gov/financial/indexsmart.html Filing Smart General Information NAIC Checklists Company Licensing and Registration Holding Company
More informationTexas Municipal Courts Education Center
TexasSure Bringing Insurance Verification Into the 21 st Century Texas Municipal Courts Education Center 2008-2009 Academic Year Session Learning Objectives: By the end of the session, participants should
More informationClearing Up the Confusion
Credit Scores Credit Reports & Insurance Scores: Credit Scores, Credit Reports & Insurance Scores: Clearing Up the Confusion Credit Scoring Scoring is based on the theory that a customer with a poor credit
More informationA Consumer Guide to. auto INSURANCE ADMINISTRATION
A Consumer Guide to auto INSURANCE INSURANCE ADMINISTRATION Table of Contents Introduction...1 How to Shop for Auto Insurance....1 What Factors Impact Rates?...6 What Discounts are Available?....8 Basic
More informationIdentity Theft Repair Kit
Identity Theft Repair Kit The Identity Theft Repair Kit contains a resolution checklist and resolution worksheets. The checklist will help you keep track of the companies and organizations you should contact
More informationFinancial Crime Report
Classification 484(g) PC 530.5 PC ALHAMBRA POLICE DEPARTMENT Financial Crime Report DR Number UCR INSTRUCTIONS 1. If the suspect is known, contact this Department by calling (626) 570-5151. 2. Please provide
More informationArrests in Wisconsin 2010
Wisconsin Office of Justice Assistance 1 S. Pinckney Street, Suite 615 Madison, WI 53703 Scott Walker Governor Arrests in Wisconsin 2010 July 2011 Arrests in Wisconsin 2010 i 07/2011 Wisconsin Statistical
More informationA Profile of the Northeast Metro Auto Theft Task Force (NEMAT)
A Profile of the Northeast Metro Auto Theft Task Force (NEMAT) Prepared for the Illinois Motor Vehicle Theft Prevention Council Rod R. Blagojevich, Governor Larry G. Trent, Chairman June, 2004 Illinois
More informationWASHINGTON ASSOCIATION OF SHERIFFS AND POLICE CHIEFS Model Policy on Identity Theft Policy, Procedures, and Victim Referral Information
WASHINGTON ASSOCIATION OF SHERIFFS AND POLICE CHIEFS Model Policy on Identity Theft Policy, Procedures, and Victim Referral Information Definition - Identity theft is the wrongful appropriation of an individual
More informationTENNESSEE BUREAU OF INVESTIGATION 901 R.S. Gass Boulevard Nashville, Tennessee 37216-2639 (615) 744-4000 TDD (615) 744-4001
Bill Haslam Governor TENNESSEE BUREAU OF INVESTIGATION 901 R.S. Gass Boulevard Nashville, Tennessee 37216-2639 (615) 744-4000 TDD (615) 744-4001 Mark Gwyn Director June 22, 2015 Ladies and Gentlemen: The
More informationEliminating the Prohibition Against General Solicitation and General Advertising in Rule 506 and Rule 144A Offerings File No.
Eliminating the Prohibition Against General Solicitation and General Advertising in Rule 506 and Rule 144A Offerings File No.: S7-07-12 Comments to Securities and Exchange Commission Regarding General
More information3 Sources of Information about Crime:
Crime Statistics 3 Sources of Information about Crime: 1-UCR: Uniform Crime Report 2-NCVS: National Crime Victimization Survey 3-SRS: Self-Report Surveys UCR: Crime statistics are collected by branches
More informationCredit Reporting and Repair for Domestic Violence Survivors
Credit Reporting and Repair for Domestic Violence Survivors Chi Chi Wu April 27, 2010 Presented by The Consumer Rights for Domestic Violence Survivors Initiative, a partnership of the Center for Survivor
More informationwhat every insurance agent needs to know about credit-based insurance scores
what every insurance agent needs to know about credit-based insurance scores What every insurance agent needs to know about credit-based insurance scores... Insurance agents have the complex job of being
More informationNAIC Consumer Shopping Tool for Auto Insurance
NAIC Consumer Shopping Tool for Auto Insurance Need Auto Insurance? Here is What You Need to Know. Whether you are buying auto insurance for the first time, or shopping to be sure you are getting the best
More informationA LESSON PLAN TO UNDERSTANDING. Credit Scores. Provided by
A LESSON PLAN TO UNDERSTANDING Credit Scores Provided by A LESSON PLAN TO UNDERSTANDING Credit Scores Provided by INTRODUCTION A credit score is a three-digit number derived from a mathematical interpretation
More informationAUTO INSURANCE A RATE COMPARISON GUIDE NEBRASKA DEPARTMENT OF INSURANCE 941 O STREET, SUITE 400 PO BOX 82089 LINCOLN, NEBRASKA 68501-2089
A RATE COMPARISON GUIDE 2015 RATES AUTO INSURANCE COMPILED BY DEPARTMENT OF INSURANCE 941 O STREET, SUITE 400 PO BOX 82089 LINCOLN, 68501-2089 402-471-2201 TOLL-FREE: 1-877-564-7323 TDD: 1-800-833-7352
More informationHOUSE OF REPRESENTATIVES STAFF ANALYSIS REFERENCE ACTION ANALYST STAFF DIRECTOR
HOUSE OF REPRESENTATIVES STAFF ANALYSIS BILL #: HB 1263 Motor Vehicle and Motorcycle Insurance SPONSOR(S): Ambler and others TIED BILLS: IDEN./SIM. BILLS: SB 2044 REFERENCE ACTION ANALYST STAFF DIRECTOR
More informationAustin Police Department Annual Crime and Traffic Report: 2008
Austin Police Department Annual Crime and Traffic Report: 28 Prepared by the Austin Police Department Chief of Police, Art Acevedo Research and Planning Unit April 2, 29 Background Each calendar year,
More informationCrime in Arkansas 2001
State of Arkansas Mike Huckabee Governor Arkansas Crime Information Center Crime in Arkansas A publication of the Statistical Analysis Center Special Services Division Arkansas Crime Information Center
More informationHow to Make Your Auto Insurance Affordable
The Mobility Gap: The Need for Affordable Auto Insurance Focus: Baltimore, Maryland Common Cents Conference September 9, 2014 Marceline White Maryland Consumer Rights Coalition The Mobility Gap: The Need
More informationTHE CHARTERED INSURANCE INSTITUTE. Read the instructions on page 3 carefully before answering any questions.
THE CHARTERED INSURANCE INSTITUTE P94 Diploma in Insurance Unit P94 Motor Insurance October 2011 examination Instructions Three hours are allowed for this paper. Do not begin writing until the invigilator
More informationIn 2014, U.S. residents age 12 or older experienced
U.S. Department of Justice Office of Justice Programs Bureau of Justice Statistics Revised September 29, 2015 Criminal Victimization, 2014 Jennifer L. Truman, Ph.D., and Lynn Langton, Ph.D., BJS Statisticians
More informationAuto Insurance Sample Premium Tables 2014/15
Auto Insurance Sample Premium Tables 2014/15 Prepared by Commonwealth of State Corporation Commission Bureau of Insurance P.O. Box 1157 Richmond, 23218 (804) 371-9185 (877) 310-6560 Website: www.scc.virginia.gov/boi
More informationSTATE OF MARYLAND MARYLAND INSURANCE ADMINISTRATION 525 St. Paul Place, Baltimore, Maryland 21202-2272
ROBERT L. EHRLICH, JR. GOVERNOR ALFRED W. REDMER, JR. COMMISSIONER MICHAEL S. STEELE LIEUTENANT GOVERNOR JAMES V. MCMAHAN, III DEPUTY COMMISSIONER P. RANDI JOHNSON ASSOCIATE COMMISSIONER P&C STATE OF MARYLAND
More informationHow To Get Help From The Police Department
IDENTITY THEFT A Quick Reference Guide Hawthorne Police Department Identity theft is when somebody uses your personal identifying information such as your name, address, telephone number, taxpayer identification
More informationMaryland Courts, Criminal Justice, and Civil Matters
Maryland Courts, Criminal Justice, and Civil Matters Presentation to the New Members of the Maryland General Assembly Department of Legislative Services Office of Policy Analysis Annapolis, Maryland December
More informationA Shopping Tool for. Automobile Insurance. Mississippi Insurance Department
Automobile Insurance Mississippi Insurance Department 1 2014 National Association of Insurance Commissioners All rights reserved. National Association of Insurance Commissioners Insurance Products & Services
More informationEducational Guide to Automobile Insurance
Educational Guide to Automobile Insurance Who needs auto insurance? Suppose you have an auto accident and you hurt or kill someone, damage someone else s property or damage your own car. If you are found
More informationIn 2013, U.S. residents age 12 or older experienced
U.S. Department of Justice Office of Justice Programs Bureau of Justice Statistics Revised 9/19/2014 Criminal Victimization, 2013 Jennifer L. Truman, Ph.D., and Lynn Langton, Ph.D., BJS Statisticians In
More information1611 E. PFENNIG LN., P.O. BOX 679 PFLUGERVILLE, TEXAS 78691-0679 PFLUGERVILLE POLICE DEPARTMENT INSTRUCTIONS
IDENTITY THEFT INFORMATION / CREDIT CARD ABUSE PACKET PFLUGERVILLE POLICE DEPARTMENT 1611 E. PFENNIG LN., P.O. BOX 679 PFLUGERVILLE, TEXAS 78691-0679 INSTRUCTIONS The Pflugerville Police Department is
More informationIDENTITY THEFT- FRAUD FINANCIAL CRIME(S) INCIDENT DETAIL FORM
IDENTITY THEFT- FRAUD FINANCIAL CRIME(S) INCIDENT DETAIL FORM Date this form was filled out: First Name: Middle Name: Last Name: Social Security Number: Driver s License Number: Date of Birth: Home Address:
More informationProtecting Yourself from Identity Theft
identity theft unit new york county district attorney s office Protecting Yourself from Identity Theft cyrus r. vance, jr. district attorney 5 / 2010 questions and answers Dear Friends, cyrus r. vance,
More informationHistorical Data. Historical Data 33
Historical Data Historical Data 33 Introduction to Historical Data The arrival of the new millennium provides an opportunity to reflect on the past and consider the challenges of the future. The 2 th century
More information2015 Annual Private Passenger Automobile & Homeowners Insurance Comparison Tables
2015 As required by law, the Utah Insurance Department has prepared this guide to auto and homeowners insurance. This annual guide provides general information about auto and homeowners insurance, and
More informationSTATE OF CALIFORNIA DEPARTMENT OF INSURANCE 45 Fremont Street, 21 st Floor San Francisco, California 94105
STATE OF CALIFORNIA DEPARTMENT OF INSURANCE 45 Fremont Street, 21 st Floor San Francisco, California 94105 Amendments to Title 10, California Code of Regulations, Chapter 5, Subchapter 4.7, Section 2632.5
More informationMajor Auto Insurers Charge Higher Rates to High School Graduates and Low Income Workers
Major Auto Insurers Charge Higher Rates to High School Graduates and Low Income Workers In Buffalo and across the State of New York Low Income Workers are Paying More for Auto Insurance as a result of
More informationCREDIT-BASED INSURANCE SCORES WHAT CONSUMERS NEED TO KNOW
CREDIT-BASED INSURANCE SCORES WHAT CONSUMERS NEED TO KNOW HAVE YOU EVER APPLIED FOR A LOAN OR A CREDIT CARD? RENTED AN APARTMENT OR OBTAINED UTILITY SERVICE? If so, you know your credit history is very
More informationCredit Score Management Seminar. Manage, protect and improve your Credit Score!
Credit Score Management Seminar Manage, protect and improve your Credit Score! Overview What is a Credit Score How Lenders Use Your Credit Score How Your Credit Score Impacts You What Makes Up Your Credit
More informationLOUISIANA DEPARTMENT OF INSURANCE. Consumer s Guide to. Auto. Auto Insurance. James J. Donelon, Commissioner of Insurance
LOUISIANA DEPARTMENT OF INSURANCE Consumer s Guide to Auto Auto Insurance Insurance James J. Donelon, Commissioner of Insurance A message from Commissioner of Insurance Jim Donelon Some of us spend up
More informationA Shopping Tool for. Automobile Insurance. Mississippi Insurance Department
A Shopping Tool for Automobile Insurance Mississippi Insurance Department 1 A Shopping Tool for 2014 National Association of Insurance Commissioners All rights reserved. National Association of Insurance
More informationViolent Crime in Massachusetts
Research and Policy Analysis Division Crime Policy Brief Series Violent Crime in Massachusetts By Asheley Van Ness, Senior Policy Analyst and Sarah Lawrence, Director, Research and Policy Analysis Division
More informationSMALL BUSINESS INSURANCE CONSIDERATIONS
SMALL BUSINESS INSURANCE CONSIDERATIONS Philadelphia LawWorks, a project of Philadelphia VIP, contributes to Philadelphia s economic development by ensuring that homeowners, nonprofits and small business
More informationIowa. Homeowner s and Renter s Insurance Shopper s Guide. Iowa Insurance Division. Compare quotes by location and coverage amount
2012 Iowa Homeowner s and Renter s Insurance Shopper s Guide Compare quotes by location and coverage amount Frequently asked questions Iowa Insurance Division Homeowner s and Renter s Insurance Shopper
More informationProtecting Your Financial Life
Protecting Your Financial Life HELPING STUDENTS AVOID AND MANAGE FINANCIAL THREATS Thomas Duffany June 12, 2014 Agenda Risk Management Techniques Meet Gus Insurance Emergency Savings Identity Theft PROTECTION
More informationIdentity Theft Repair Kit
Identity Theft Repair Kit The Identity Theft Repair Kit contains a resolution checklist and resolution worksheets. The checklist will help you keep track of the companies and organizations you should contact
More informationMontgomery County Crime Report 2014
Montgomery County Crime Report 2014 MESSAGE FROM THE CHIEF 2014 MONTGOMERY COUNTY CRIME REPORT As so often happens, there is good news and bad news regarding the crime rate. When we look at our year-end
More informationa consumers guide to No-Fault Automobile Insurance in Michigan
a consumers guide to No-Fault Automobile Insurance in Michigan No-Fault Automobile Insurance in Michigan The Michigan no-fault system was adopted in 1973 to increase the level of benefits paid to injured
More informationA Consumer s Auto Insurance Guide
Financial Institutions Environment and Labour A Consumer s Auto Insurance Guide 2nd edition Auto insurance is a mandatory product for all drivers in Nova Scotia. However, understanding this complex product
More informationA Consumer s Auto Insurance Guide
Financial Institutions Environment and Labour A Consumer s Auto Insurance Guide 2nd edition Auto insurance is a mandatory product for all drivers in Nova Scotia. However, understanding this complex product
More informationHow To Become A Police Officer In Maine
JOHN ELIAS BALDACCI GOVERNOR STATE OF MAINE DEPARTMENT OF PUBLIC SAFETY MAINE CRIMINAL JUSTICE ACADEMY 15 OAK GROVE ROAD VASSALBORO, MAINE 04989 MICHAEL P. CANTARA COMMISSIONER JOHN B. ROGERS DIRECTOR
More informationKey Crime Analysis Data Sources. Crime
Part 2 Processes of Crime Analysis coming into the police agency, but those dispatched to or initiated by officers. Because of the vast information contained in a CAD system, information is often purged
More informationUniversity of Maryland Police College Park, Maryland. Name of Chief/Director: Chief David B. Mitchell
University of Maryland Police College Park, Maryland Name of Chief/Director: Chief David B. Mitchell Number of Staff Members: Command Staff 9 Commissioned Police Officers 76 Student Police Aides 74 Security
More informationBulletin 15-04. Date: January 23, 2015. All P&C Insurance Companies, The Maryland Automobile Insurance Fund and The Joint Insurance Association
LAWRENCE J. HOGAN, JR. Governor BOYD K. RUTHERFORD Lt. Governor AL REDMER, JR. Commissioner NANCY GRODIN Deputy Commissioner JOY HATCHETTE Associate Commissioner Consumer Education and Advocacy Date: January
More informationTOP10 AUTO INSURANCE FAQ S
TOP10 AUTO INSURANCE FAQ S Lane s Insurance Chad answers the Top 10 most frequently asked Auto Insurance FAQ s A Publication By: 1 1 - Why is my premium so high? Auto insurance premium rates are based
More informationIdentity Theft in Maryland
Identity Theft in Maryland Presentation to the Maryland Commission on Cybersecurity Innovation and Excellence Department of Legislative Services Office of Policy Analysis Annapolis, Maryland November 6,
More informationUnderstanding Credit. Megan Stearns, Credit Counselor
Understanding Credit Megan Stearns, Credit Counselor Obtaining your free credit report will lower your credit score. Closing old accounts can help your credit score. Paying off the balances on your credit
More informationIf you have questions regarding personal automobile insurance, please contact our Consumer Services Division at 1-888-TRY-WVIC, or visit our website
2011 West Virginia Annual Automobile Survey If you have questions regarding personal automobile insurance, please contact our Consumer Services Division at 1-888-TRY-WVIC, or visit our website at www.wvinsurance.gov
More informationShifting Landscape in Canadian Insurance Distribution
Shifting Landscape in Canadian Insurance Distribution Prepared for: 2011 KPMG Insurance Issues Conference November, 2011 Lubo Li Senior Director J.D. Power and Associates Changes in Insurance Distribution
More informationIDENTITY THEFT RESOURCE KIT
IDENTITY THEFT RESOURCE KIT TABLE OF CONTENTS Introduction 2 What To Do Now 3 Key Agencies to Contact 3 Other Important Contacts 4 Action Taken Form 6 Sample Letters 7 How Identity Theft Can Occur 9 What
More informationTaking a Bite Out of Crime: 46 Years of Utah Crime Statistics
Taking a Bite Out of Crime: 46 Years of Utah Crime Statistics August 15, 2008 The 2008 Utah Priorities Survey revealed Crime & Security to be the sixth-highest issue of concern for Utah residents. Specifically,
More informationIf you have questions regarding personal automobile insurance, please contact our Consumer Services Division at 1-888-TRY-WVIC, or visit our website
If you have questions regarding personal automobile insurance, please contact our Consumer Services Division at 1-888-TRY-WVIC, or visit our website at www.wvinsurance.gov Table of Contents Introduction...
More informationAUTOMOBILE APPLICATION FOR INSURANCE FOR NON-TRUCKING USE (BOBTAIL)
Surplus Call 800-342-5706 Insurance Fax 800-578-7758 www.surplusins.com Email quotes: submit@surplusins.com Brokers Agency Inc. P O Box 749, South Bend IN 46624-0749 AUTOMOBILE APPLICATION FOR INSURANCE
More informationIndependent consumer guide to motor insurance
Independent consumer guide to motor insurance Who we are and what we do We regulate financial services firms in Ireland including banks, building societies, insurance companies, brokers, moneylenders,
More informationInsurance Pricing Models Using Predictive Analytics. March 5 th, 2012
Insurance Pricing Models Using Predictive Analytics March 5 th, 2012 2 Agenda Background/Information Why Predictive Analytics is Required Case Study-AMA An Effective Decision Tool for front-line Underwriting
More informationCiti Identity Theft Solutions
Identity Theft what you need to know Citi Identity Theft Solutions At Citi, we want to keep you informed about all of the issues that can affect your financial life. We re bringing you helpful information
More informationArizona Crime Trends: A System Review. Arizona Criminal Justice Commission. Statistical Analysis Center Publication. October
Arizona Criminal Justice Commission Statistical Analysis Center Publication Our mission is to sustain and enhance the coordination, cohesiveness, productivity and effectiveness of the Criminal Justice
More informationCHOICES: Insurance Rate Comparison Search Systems. Auto Insurance. Instructions/User Guide
CHOICES: Insurance Rate Comparison Search Systems Auto Insurance Instructions/User Guide April 2014 Table of Contents Step 1 Select an Example... 3 Step 2 Select by County or Company... 4 By County...
More informationAdopted Amendments: N.J.A.C. 11:3-33, Appendix A and Appendix B
INSURANCE DEPARTMENT OF BANKING AND INSURANCE DIVISION OF INSURANCE Appeals from Denial of Automobile Insurance Adopted Amendments: N.J.A.C. 11:3-33, Appendix A and Appendix B Proposed: March 1, 2004 at
More informationAustin Police Department Annual Crime and Traffic Report: 2013 Preliminary Report
Austin Police Department Annual Crime and Traffic Report: 213 Preliminary Report Prepared by the Austin Police Department Chief of Police, Art Acevedo Research and Planning Unit April 1, 214 Background
More informationUnderstanding the Use of Credit and Scores for Insurance Underwriting
Understanding the Use of Credit and Scores for Insurance Underwriting 1. Why do insurers use credit? Insurance companies use financial history along with other factors (such as years of driving experience
More informationMarijuana in Massachusetts. Arrests, Usage, and Related Data
Marijuana in Massachusetts Arrests, Usage, and Related Data Jon Gettman, Ph.D. The Bulletin of Cannabis Reform www.drugscience.org 10/19/2009 1 Introduction This state report is part of a comprehensive
More informationWritten Submission to the Canadian Council of Insurance Regulators Credit Scoring Working Group
Written Submission to the Canadian Council of Insurance Regulators Credit Scoring Working Group Monday, August 8, 2011 The Co-operators is pleased to provide comments to CCIR s issues paper Use of Credit
More informationHow To Know More About Waldo County
WALDO COUNTY Justice Data USM Muskie School of Public Service Maine Statistical Analysis Center Waldo County Facts Waldo County, incorporated in 1827, is in mid coast Maine along Penobscot Bay. The county
More information2014 West Virginia Annual Automobile Survey
2014 West Virginia Annual Automobile Survey If you have questions regarding personal automobile insurance, please contact our Consumer Services Division at 1-888-TRY-WVIC, or visit our website at www.wvinsurance.gov
More information