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We are the Insurance Information Institute. Since 1960, we have been the trusted source of unique, data-driven insights on insurance to inform and empower consumers. We serve consumers, media and professionals seeking insurance information. Learn More
Triple-I: Rating-factor variety drives accuracy of auto insurance pricing

Critics of U.S. auto insurer pricing practices worry rating factors like credit-based insurance scores and policyholder addresses discriminate against lower-income and minority drivers.Triple-I explains how a diverse range of factors ensures that the opposite is true. Without them, lower-risk policyholders would often pay more than they should and riskier people would pay less.  FIO letter | Video  

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Homeowners + Renters Insurance Understanding the insurance claims payment process

After a disaster, you want to get back to normal as soon as possible, and your insurance company wants that too! You may get multiple checks from your insurer as you make temporary repairs, permanent repairs and replace damaged belongings. Here's what you need to know about claims payments.


Insight + Analysis

Is California serious about wildfire risk?

Over the past five years, wildfires have burned millions of acres in California, destroyed entire towns, wiped out well over 10,000 homes, killed scores of residents, and blanketed the state with unhealthy air. Despite this, one insurance industry leader argues that the state government isn’t taking the risks seriously enough.

I.I.I. Glossary

CROP-HAIL INSURANCE- Protection against damage to growing crops from hail, fire or lightning provided by the private market. By contrast, multiple peril crop insurance covers a wider range of yield reducing conditions, such as drought and insect infestation, and is subsidized by the federal government.

ADJUSTER- An individual employed by a property/casualty insurer to evaluate losses and settle policyholder claims. These adjusters differ from public adjusters, who negotiate with insurers on behalf of policyholders, and receive a portion of a claims settlement. Independent adjusters are independent contractors who adjust claims for different insurance companies.

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Thought Leadership

I.I.I. News Wire

Insurance Information Institute Launches Triple-I Connect

For immediate release New York Press Office: Michael Barry, 917-923-8245, michaelb@iii.org   NEW YORK, Aug. Read More

Triple-I Offers U.S. Insights into Auto Insurer Pricing Factors

For immediate release New York Press Office: Michael Barry, 917-923-8245, michaelb@iii.org   NEW YORK, July 29, 2021—Lower risk drivers should pay less for auto insurance and its cost has closely tracked broader U.S. Read More

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Events Calendar

2021 CLM Annual Conference
Sean Kevelighan, Triple-I CEO will be presenting in person at the 2021 CLM Annual Conference in Atlanta, GA (August 11-13). His session is called “Game Changers — Shaking Up the Industry.” Check out the whole event.
In2Risk 2021
In2Risk 2021 is CPCU Society’s insurance industry event, taking place Sept. 23 – Sept. 25, 2021, focusing on a diverse range of emerging issues and educational topics. Participate in person or online. Website
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