Publications
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Research & Commentary: The Effect of Dodd-Frank
Publication -Research and Commentaries -The Wall Street Reform and Consumer Protection Act, also known as the Dodd-Frank Act, is a law with consequences for every part of the financial system. -
Research & Commentary: Standardized Loss Allocation System for Hurricane Claims and the COASTAL Act
Publication -Research and Commentaries -The two major forces of a hurricane—wind and water—can do grave damage to homes. This can pose a problem because private insurers cover almost all wind damage while the National Flood Insurance Program (NFIP) handles all flood damage to ordinary homes. -
Property & Casualty Insurance Report Card, 2011 Edition
Publication -Policy Studies -Each of the past four years, The Heartland Institute has released a report that asks fundamental questions about the nation’s property and casualty insurance regulatory environment. -
Research & Commentary: Use of Gender in Auto Insurance Scoring
Publication -Research and Commentaries -Some stereotypes about groups are pure calumny, others have a small grain of truth, and some are absolutely, 100 percent true. What follows concerns a stereotype about men and women that is 100 percent true. -
Research & Commentary: North Carolina Auto Insurance
Publication -Research and Commentaries -North Carolina is currently considering several types of changes to its auto insurance regulatory system. -
Research & Commentary: Federal Earthquake Insurance Backstop
Publication -Research and Commentaries -Legislation to create a new federal earthquake insurance backstop is currently being considered in Congress. -
Solving the Flood/Wind Problem After Hurricane Losses:
Publication -Policy Briefs -In the aftermath of a hurricane landfall, there often isn’t enough data or experience relating to the losses to make known for certain whether a given loss resulted from wind or water. -
Research & Commentary: Federal Earthquake Insurance Backstop
Publication -Research and Commentaries -Legislation to create a new federal earthquake insurance backstop is currently being considered in Congress. -
Research & Commentary: North Carolina Auto Insurance
Publication -Research and Commentaries -North Carolina is currently considering several types of changes to its auto insurance regulatory system. -
Research & Commentary: Workers’ Compensation Insurance in Illinois (Update)
Publication -Research and Commentaries -Illinois has the second highest workers’ compensation insurance rates of any state in the United States. Workers’ compensation insurance provides money for medical care and lost wages for employees who are injured as a result of their jobs. -
A Constitutional Solution to Runaway Federal Spending
Publication -Research and Commentaries -The protections for individual freedom in the Constitution of the United States have been significantly weakened since the 1930s. -
Research & Commentary: Internet Gaming Regulations
Publication -Research and Commentaries -The regulation of online gaming, including popular games such as poker, has reached a crossroads with the recent crackdown on poker Web sites in the United States. -
Research & Commentary: Effect of 2011 Japan Earthquake on the Reinsurance Industry
Publication -Research and Commentaries -With billions of dollars in property losses expected in the aftermath of the earthquake and tsunami in Japan, insurers will have to pay enormous claims. -
Research & Commentary: The Price-Anderson Act
Publication -Research and Commentaries -The generation of electricity through nuclear power carries risk. -
Tapping the Rainy Day Fund & School Fund Balances
Publication -Research and Commentaries -Balancing the 2010-11 Budget without Raising TaxesThe Economic Stabilization Fund (ESF): Appropriate Uses and Legislative HistoryThe language in the Texas Constitution governing the use of the ESF reads in part as follows:If an estimate of anticipated -
Tapping the Rainy Day Fund & School Fund Balances
Publication -Research and Commentaries -Balancing the 2010-11 Budget without Raising TaxesThe Economic Stabilization Fund (ESF): Appropriate Uses and Legislative HistoryThe language in the Texas Constitution governing the use of the ESF reads in part as follows:If an estimate of anticipated -
Four Problems, Four Solutions: A Blueprint for Reforming Texas’s Insurance Environment
Publication -Policy Briefs -This report reviews four major problems with Texas’s insurance environment and proposes four categories of action that elected leaders should take in order to remedy them. -
Research & Commentary: The Build America Bonds Program
Publication -Research and Commentaries -The federal government’s Build America Bonds program is controversial. -
Solutions to Restore Florida’s Property Insurance Marketplace to Protect Taxpayers and the Insured
Publication -Policy Briefs -The 2011 session of the Florida Legislature will convene in the midst of state budget worries, a lingering real estate crisis, and a still-sluggish national economy. -
Research & Commentary: Auto Accident Response Fees
Publication -Research and Commentaries -Local governments around the nation continue to make new proposals to create accident response fees, or “crash” taxes. These tax proposals are likely to become more common as local governments struggle to balance their budgets. -
Understanding Reinsurance in Florida
Publication -Policy Briefs -What is reinsurance? Why is it important in Florida? Reinsurance is insurance for insurance companies. Almost all insurance companies reinsure at least some of their risk. The reasons for purchasing reinsurance vary. -
Research & Commentary: Flood Mitigation, Levees, and Flood Maps
Publication -Research and Commentaries -Flood insurance maps inform owners of property on U.S. coastlines and riverbanks of flood damage risks their properties might face. -
Research & Commentary: Bad Faith Insurance Legislation
Publication -Research and Commentaries -All insurers of homes or cars reject at least some claims. Most rejections are because the claimant is simply not covered for the claim. Some result from strong suspicions—or even evidence—of fraud. -
Research & Commentary: Bad Faith Insurance Legislation
Publication -Research and Commentaries -All insurers of homes or cars reject at least some claims. Most rejections are because the claimant is simply not covered for the claim. Some result from strong suspicions—or even evidence—of fraud.