The U.S. insurance market operates under 50+ separate state regulators, each with its own rate approval process, solvency requirements, and climate risk standards. For property …
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Regulatory Sandboxes: Encouraging Innovation in State Insurance Markets
As climate change intensifies, property insurance premiums across the U.S. are climbing at historic rates. States face a delicate balancing act: protecting consumers from unaffordable …
State-level Telehealth Mandates and Their Effect on Health Insurance Markets
The pandemic-era explosion of telehealth has permanently altered healthcare delivery. But the real transformation is happening at the state level, where a growing patchwork of …
The Impact of No-fault Insurance Reforms on Auto Premium Costs
No-fault insurance systems were supposed to lower costs by eliminating lawsuits for minor injuries. But state-level reforms have produced mixed results—some states saw premiums drop, …
How State Insurance Regulations Are Adapting to Climate Risk Disclosures?
Climate change is rewriting the rules of property insurance. As wildfires, hurricanes, and floods intensify, US states are forcing insurers to publicly disclose how they …
Usage-based Insurance Adoption: Why Some Drivers Save More Than Others
Usage-based insurance (UBI) is reshaping auto premiums in the US. By leveraging telematics, insurers reward safe driving with lower rates. But not every driver saves …
Telematics Data Accuracy: How Insurers Validate Driving Patterns for Premiums
As usage-based insurance (UBI) programs expand across the US, insurers face a critical challenge: ensuring telematics data accurately reflects real driving behavior. With climate change …
Privacy Concerns vs. Savings: the Trade-off with Usage-based Auto Insurance
As climate change drives up property insurance premiums across the US, drivers are searching for every possible way to cut costs. Usage-based auto insurance (UBI) …
The Future of Pay-per-mile Insurance: Benefits and Challenges
Climate change is reshaping the US property insurance market. Rising premiums and shrinking coverage options have forced homeowners and drivers to rethink how they protect …
How Telematics Is Personalizing Auto Insurance Rates Based on Driving Behavior?
The era of one-size-fits-all car insurance is ending. Telematics technology now allows insurers to monitor your actual driving habits — speed, braking, mileage, and even …