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The implementation of autonomous vehicles, or self-driving cars, promises to radically change much of the normal way of life. While it may seem inconsequential to start small with a vehicle of relatively low level of automation, there are many factors to consider. Some of these factors include security, moral dilemmas, and even the insurance field. One can look back at previous implementations of new technology, such as air bags, and see that it can be difficult to predict consequences and adapt. However, actuaries have been suggesting solutions to make autonomous vehicles a safe reality. While the solutions may vary, one thing is clear: communication between the vehicle and the insurance field is imperative.

Pursuant to Section 9.83 of the Ohio Revised Code, the Department of Administrative Services, General Services Division, Office of Risk Management (ORM), operates the state's self-insured motor vehicle liability program. The purpose of this administrative policy is to detail the specifics of the program and does not constitute a policy of insurance.

Because personal automobile insurance is mandated in most states for every licensed vehicle, it can become highly regulated by state legislatures. In Massachusetts, personal automobile insurance is mandatory before any vehicle can be registered. Each insurance company is required to provide insurance to anyone requesting it. This is called a "Take-All-Comers" rule. The insurance company must provide mandatory coverage; however, providing optional coverage is left to the insurers' discretion. Additionally, and most important, the insurance company has the right to "cede" the insured to a reinsurance facility, which means passing along all premiums collected, and claims dollars paid. This reinsurance facility has always suffered operating losses, or deficits, which are redistributed back to the companies who reinsured with them, using a complicated formula. Every time a company cedes a risk to the reinsurance facility, it does so knowing that it will receive a larger share of this deficit. This is fundamentally the most important underwriting decision that Company X needs to make: whether to retain the premiums and claims payments from any given policy, or to cede these amounts to the reinsurance facility. The economic viability of the company hinges entirely on this decision. This thesis proposes that a statistical model can be developed which can effectively predict claims payments across the spectrum of policyholder classifications. Historical data from Company X will be evaluated in accordance with established CRISP-DM guidelines to train and test this model. These predicted payments will be compared with known policy premiums and combined with the reinsurance facility deficit redistribution logic to form an algorithm that will profitably decide which policies should be ceded to the reinsurance facility.

Discusses Connecticut's law on vehicles that have been declared a total loss by insurance companies, specifically, whether the title of such a vehicle must be stamped "salvage" and the vehicle re-registered

Discusses the number and percentage of Connecticut licensed drivers without automobile insurance, the percentage of accidents involving an uninsured driver and how many were the fault of an uninsured driver in the past three years, and, all possible penalties under state law for driving without insurance and if these increase if the uninsured driver injures someone.

Este folleto le explicará los requisitos básicos para adquirir un seguro de automóviles y le indicará los requisitos que exige la ley de seguros para que usted pueda convertirse en un conductor con licencia legal. Se espera que este documento responderá algunas de las preguntas más frecuentes sobre seguros de automóviles que se formulan en la actualidad los miembros de la comunidad hispana de Carolina del Norte.

Provides statistics relating to automobile damage appraiser complaints received by the Massachusetts Auto Damage Appraiser Licensing Board.

Outlines the composition and responsibilities of the Massachusetts Auto Damage Appraiser Licensing Board and statistics regarding the complaints filed with it.

Discusses the percentage insurers use to determine that a damaged motor vehicle is a total loss, whether title to a totaled motor vehicle must be stamped salvage, what a salvage title means for resale, whether a certified repair shop must repair the vehicle, and whether repaired salvaged vehicles must be inspected before they can be registered to operate.

Discusses the minimum automobile insurance liability limits in the New England states, how states compensate accident victims with older vehicles, and how accident victims in a multi-car accident are made whole when the at-fault driver maintains minimum liability insurance coverage.

Provides the demographic characteristics of uninsured motorists in Connecticut, at what dollar amount most bodily injury claims are paid or settled, and how California arrived at 150% of federal poverty as the basis for low-cost automobile insurance eligibility.

Insurance is a complex issue, and it is the responsibility of the North Carolina Department of Insurance to keep consumers informed. This booklet will help explain the basic automobile insurance coverages, discuss factors that influence your rates, describe what is involved in settling your claim and answer some of the most frequently asked questions from consumers in North Carolina.

Discusses an automobile insurance policy cancellation penalty and a pro-rata earned premium charge.

Discusses what Connecticut's minimum automobile liability insurance limits are, how long it has been since they were adjusted, how they compare with neighboring states, and what impact increasing them would have on rates.

Discusses how long the minimum personal injury liability limit of $20,000 per person, $40,000 per accident and the $10,000 per accident property damage limit have been in effect, whether bills have been introduced recently to increase them, and if so, what happened to them.

Discusses whether automobile insurers offer anti-theft discounts for owners who install the "Lo-Jack" anti-theft system in their vehicle

Discusses what percentage of the total automobile insurance rate does territory represent statewide

Discusses what percentage of the standard automobile insurance policy is attributable to uninsured motorist coverage.

Compares Utah's uninsured motorist enforcement program with Connecticut's.

Updates OLR research report 96-R-0072 concerning uninsured motorists.

Discusses SB 416, an Act Concerning Immunity For Insurers, Insurance Agents, Insurance Brokers and the Assigned Risk Plan For Choices Made By Consumers in Selecting Automobile Insurance Coverage.

Discusses whether state law or insurer practice requires all licensed drivers living in the named insured's household to be covered under the policy even if they do not drive the vehicle.