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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  

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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.

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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

DIRECT PREMIUMS- Property/casualty premiums collected by the insurer from policyholders, before reinsurance premiums are deducted. Insurers share some direct premiums and the risk involved with their reinsurers.

OCCUPATIONAL DISEASE- Abnormal condition or illness caused by factors associated with the workplace. Like occupational injuries, this is covered by workers compensation policies. (See Workers compensation) )

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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
August
11
2021
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
October
01
2021
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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