Our Promise

We are the Insurance Information Institute. Since 1960, the "Triple I" has had a single mission: To improve public understanding of insurance—what it does and how it works. We are here to serve everybody: consumers; students and educational institutions; insurance professionals; government and regulatory organizations; and the media. Learn More
Auto Insurance Auto insurance for teen drivers

Is there a newly licensed driver in your home? For parents, the excitement of having a first-time driver in the house is usually tempered with worry. Reduce the stress by understanding the implications for your auto policy.


New and Trending

Disasters + Preparedness Facts about flood insurance

Did you know that 20 percent of all flood claims are filed in low to moderate flood risk areas? According to FEMA, floods—including inland flooding, flash floods and flooding from seasonal storms—occur in every region of the United States. Learn how to prepare for the possibility of a flood, what your flood insurance options are, and how to obtain adequate coverage. 


Insight + Analysis

Insurance Industry Inflation Watch - May 2018

Headline inflation rose by 2.8 percent in May 2018 vs. May 2017, which is the largest 12-month increase since the period that ended on February 2012. Core CPI rose 2.2 percent for the 12 months ending May 2018—the highest 12-month increase since the period ending February 2017. 


I.I.I. Glossary

FILE-AND-USE STATES- States where insurers must file rate changes with their regulators, but don’t have to wait for approval to put them into effect.

INSOLVENCY- Insurer’s inability to pay debts. Insurance insolvency standards and the regulatory actions taken vary from state to state. When regulators deem an insurance company is in danger of becoming insolvent, they can take one of three actions: place a company in conservatorship or rehabilitation if the company can be saved or liquidation if salvage is deemed impossible. The difference between the first two options is one of degree – regulators guide companies in conservatorship but direct those in rehabilitation. Typically the first sign of problems is inability to pass the financial tests regulators administer as a routine procedure. (See Liquidation, Risk-based capital )

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Thought Leadership

I.I.I. News Wire

Insurers Provide Stability To Financial Markets And The Overall Economy

FOR IMMEDIATE RELEASE  New York Press Office: (212) 346-5500; media@iii.org  Kim Kirchner, Coburn Communication: (212) 536-9837; Kim.Kirchner@coburnww.com   NEW YORK – (June 05, 2018) – While consumers understand insurance as protection against financial loss, the… Read More

Be Calm Before The Storm: Forming Tropical Depression Is A Reminder To Update Insurance Protection Ahead Of Hurricane Season

For immediate release New York Press Office: (212) 346-5500; media@iii.org   NEW YORK, May 15, 2018 — The official start of hurricane season has always been June 1. Yet, tropical weather pays little heed to the calendar. Read More

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Events Calendar

ITL Insurtech Live Event
Chicago, IL, Website
Presentation at Swiss Re (Speaker: Kristin Palmer)
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