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Variations in Rate Regulatory Practices and Other Factors
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A. M. Best accident Affect Insurance Costs aipso ance approval rate regulation assigned-risk plan Auto Insurance auto plans automobile insurance plan Average losses average premiums coefficient competitive approach competitive rating laws compulsory insurance laws cost of liability Difference Physical damage dollar of losses drivers insured driving records effect establish rates extent of overall F Statistic filed fiua Impact Insurance Available insurance companies insurance department involuntary market Jersey joint pricing joint underwriting association liability coverage liability insurance lower market share Massachusetts Massachusetts and North McCarran-Ferguson Act Michigan miums national average noncompetitive rating laws North Carolina North Dakota number of drivers operating losses overall insurance coverage percent percentage period physical damage coverage policies Practices Affect Insurance premium-to-loss ratio Premiums/losses prior approval rate prohibited rating system ratio of premiums Regression Analysis Regulatory Practices Affect reinsurance facility Restrictions on Risk result substandard market surcharge Table territorial rate underwriting standards vehicle voluntary