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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  

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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

CRASH PARTS- Sheet metal parts that are most often damaged in a car crash. (See Generic auto parts )

CATASTROPHE BONDS- Risk-based securities that pay high interest rates and provide insurance companies with a form of reinsurance to pay losses from a catastrophe such as those caused by a major hurricane. They allow insurance risk to be sold to institutional investors in the form of bonds, thus spreading the risk. (See Securitization of insurance risk) )

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Thought Leadership

I.I.I. News Wire

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

Insurers Focused on Closing the Coverage Gap, Panelists Agree

For immediate release New York Press Office: Michael Barry, 917-923-8245, michaelb@iii.org   NEW YORK, July 20, 2021—Having Americans purchase the right amount and type of insurance coverage is essential if they are to recover quickly from natural catastrophes, a panel which included … 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.
Insurance Leadership Forum
CIAB/ILF conference where executive-level leaders in the property casualty industry including brokers, carriers and industry partners will gather in person this year at The Broadmoor in Colorado Springs, CO. Website
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