C.L.U.E. Insurance Claims History Reports: How Home and Auto Records Can Affect Shopping
How C.L.U.E. and other specialty insurance reports work, what claim history they can contain, how to request your report and how to…
Category: Regulation & Insurance Markets
Insurance regulation, distribution, market structure and consumer-protection explainers.
State Minimum Auto Insurance Limits Explained: What 25/50/25 Means and Why the Legal Minimum May Not Be Enough
A consumer guide to split liability limits such as 25/50/25, state minimum auto insurance requirements, what liability does not cover and why…
State Minimum Auto Insurance Limits Explained: What 25/50/25 Means and Why the Legal Minimum May Not Be Enough
A consumer guide to split liability limits such as 25/50/25, state minimum auto insurance requirements, what liability does not cover and why…
How to Read an Insurance Declarations Page: Policy Limits, Deductibles, Endorsements and Named Insureds
A plain-English checklist for reading a declarations page, verifying named insureds, policy dates, limits, deductibles, endorsements, lienholders and premium details.
Statutory Accounting Principles (SAP) vs. U.S. GAAP for Insurance Companies
Why U.S. insurance regulators use Statutory Accounting Principles, how SAP differs in purpose from U.S. GAAP, and what conservatism, recognition and solvency…
Insurance Producer License vs. Appointment vs. NPN: What Each Means and Why They Are Not the Same
A U.S. insurance licensing guide explaining producer licenses, lines of authority, insurer appointments, NPNs, resident and non-resident authority and common compliance mistakes.
ORSA Explained: How U.S. Insurers Assess Enterprise Risk and Solvency
An in-depth guide to the U.S. Own Risk and Solvency Assessment framework, including ERM, stress testing, capital adequacy, NAIC thresholds, ORSA vs.…
NAIC Model Laws vs. State Insurance Law: How Adoption Really Works
An NAIC model law is proposed language, not automatically binding law. Learn how state regulators develop models, how states adopt or modify…
NAIC Complaint Index Explained: How to Research Insurance Company Complaints
The NAIC Consumer Insurance Search lets consumers review complaint, licensing and financial information. Learn how complaint indexes and company subsidiaries should be…
Unfair Claims Settlement Practices Explained: Delays, Investigations, Written Reasons and State Complaints
A consumer guide to common unfair-claims concepts in U.S. insurance regulation and the documentation to gather before filing a state insurance complaint.