The Insurance Industry

accident agents Allstate Insurance Allstate Insurance Co American Insurance Association antitrust application assets Assigned Risk Plan auto insurance automobile insurance automobile liability insurance average basic basis bodily injury California cancellation Casualty CHUMBRIS classification COHEN collision compact cars competition cost countrywide County Mutual Fire County Mutual Insurance coverage dividends driver EARLY earned premiums excessive expense ratio experience factor Farmers Insurance Exchange Farmers Insurance Group Farmers Texas County Farmers Underwriters Association Higgins incurred insurance companies Insurance Department insurance industry insurance rates investment income involved Jersey Kemper County KLINE liability insurance loss adjustment expenses Loss ratio losses and loss NAUA operating paid percent physical damage policyholders premiums earned private passenger automobile property and liability proposed rates question rate level rate of return rating law record regulation RUPELLI Senator HART SHARP South Carolina subcommittee surcharge Texas County Mutual tion underwriting profit vehicle York