Rights and Remedies of Insurance Policyholders: Hearings Before the Subcommittee on Citizens and Shareholders Rights and Remedies of the Committee on the Judiciary, United States Senate, Ninety-fifth Congress, Second Session ....U.S. Government Printing Office, 1978 - Discrimination in insurance |
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Common terms and phrases
accidents actual cash value actuarial agent Allstate ance Angeles County application areas assigned risk auto insurance automobile insurance average bodily injury buildings California cancellation CARROLL Chicago classification systems competition consumer damage Detroit discrimination discriminatory drivers driving record dwelling factors FAIR plan FAULSTICH Federal Insurance Administration GEICO HAHN hearings homeowners insurance homeowners policy Illinois income individual inner city insurance availability Insurance Commissioner insurance companies insurance industry insurance rates insurance redlining insured person issue Kemper liability located Los Angeles County loss ratio McCarran-Ferguson Act motorists NAIC neighborhood North Carolina OLSHAN operating percent policyholders practices premium problems profit property insurance rating territories reason regulation reinsurance reinsurance facility replacement cost residence premises risk classification Senator METZENBAUM Senator WALLOP Sergeant LANGENECKERT statement statistical subcommittee surance task force theft tion underwriting unfair urban vehicle write York zip code
Popular passages
Page 103 - Risks may be grouped by classifications for the establishment of rates and minimum premiums. Classification rates may be modified to produce rates for individual risks in accordance with rating plans which establish standards for measuring variations in hazards or expense provisions, or both. Such standards may measure any differences among risks that can be demonstrated to have a probable effect upon losses or expenses; 4.
Page 740 - Legislatures, the National League of Cities, the US Conference of Mayors and the National Association of Counties. The...
Page 818 - Appraisal In case the insured and this company shall fail to agree as to the actual cash value or the amount of loss, then, on the written demand of either, each shall select a competent and disinterested appraiser and notify the other of the appraiser selected within 20 days of such demand.
Page 839 - ... means the whole or a part of an agency statement of general or particular applicability and future effect designed to implement, interpret, or prescribe law or policy...
Page 459 - Due consideration shall be given to past and prospective loss experience within and outside this state, to the conflagration and catastrophe hazards, to a reasonable margin for underwriting profit and contingencies, to dividends, savings or unabsorbed premium deposits allowed or returned by insurers to...
Page 818 - ... demand. The appraisers shall first select a competent and disinterested umpire; and 'failing for fifteen days to agree upon such umpire, then, on request of the insured or this Company, such umpire shall be selected by a judge of a court of record in the state in which the property covered is located.
Page 435 - Orange Placer Plumas Riverside Sacramento San Benito San Bernardino San Diego San Francisco San Joaquin San Luis Obispo...
Page 847 - It is the policy of the United States to provide, within constitutional limitations, for fair housing throughout the United States.
Page 872 - The self-fulfilling prophecy is, in the beginning, a false definition of the situation evoking a new behavior which makes the originally false conception come true. The specious validity of the self-fulfilling prophecy perpetuates a reign of error. For the prophet will cite the actual course of events as proof that he was right from the very beginning.
Page 850 - It shall be unlawful to coerce, intimidate, threaten, or interfere with any person in the exercise or enjoyment of, or on account of his having exercised or enjoyed, or on account of his having aided or encouraged any other person in the exercise or enjoyment of, any right granted or protected by section 803, 804, 805, or 806.