Making a Dent In Auto Insurance Fraud.Computer technology drives auto insurers' efforts to stall stall, small division of a larger space, sometimes partly partitioned. The term is used for a booth for display and selling at an exhibition, for a compartment in a stable or kennel, or, in England, for the forward seats in a theater orchestra. fraud rings. Auto insurance fraud has thrived because its street-smart street-smart adj. Having or displaying street smarts. practitioners knew investigators had little chance of detecting their schemes. Sure, insurance companies had all the information they needed to break the rings. But the problem was that investigators could never hope to sift through it all. But times have changed. What human brain power and cooperation could not accomplish alone, computer power and memory can. And today, in a special room inside a huge office building in Jersey City, N.J., a mainframe mainframe Digital computer designed for high-speed data processing with heavy use of input/output units such as large-capacity disks and printers. They have been used for such applications as payroll computations, accounting, business transactions, information retrieval, computer does what humans could not: It cross-references millions of claims every second to discover the commonalities. Its ability may prove to be a criminal's worst nightmare nightmare /night·mare/ (nit´mar?) a terrifying dream, usually awakening the dreamer. night·mare n. 1. A dream arousing feelings of intense fear, horror, and distress. 2. . "I'm I'm Contraction of I am. Our Living Language Speakers of some scattered varieties of American English sometimes use I'm instead of I've or I have in present perfect constructions, as in prejudiced prej·u·dice n. 1. a. An adverse judgment or opinion formed beforehand or without knowledge or examination of the facts. b. A preconceived preference or idea. 2. , but yes, this is the leading tool in fighting auto insurance fraud today," said Richard Ri·chard , Joseph Henri Maurice Known as "Rocket." 1921-2000. Canadian hockey player. A right wing for the Montreal Canadiens (1942-1960), he led his team to eight Stanley Cup championships and was the first player to score 50 goals in a P. Boehning, president of American American, river, 30 mi (48 km) long, rising in N central Calif. in the Sierra Nevada and flowing SW into the Sacramento River at Sacramento. The discovery of gold at Sutter's Mill (see Sutter, John Augustus) along the river in 1848 led to the California gold rush of Insurance Services Group, a business unit of Insurance Services Office Insurance Services Office, Inc. (ISO) is a provider of data, underwriting, risk management and legal/regulatory services to property-casualty insurers and other clients. Headquartered in Jersey City, New Jersey, the organization serves clients with offices throughout the United Inc., which runs the system. "You read in the news about all these cases breaking, and I will guarantee that where they got started was with a match in this database, probably 95% of the time." Massive Computers The system, ISO (1) See ISO speed. (2) (International Organization for Standardization, Geneva, Switzerland, www.iso.ch) An organization that sets international standards, founded in 1946. The U.S. member body is ANSI. ClaimSearch, occupies an entire floor of the Jersey City skyscraper skyscraper, modern building of great height, constructed on a steel skeleton. The form originated in the United States. Development of the Form Many mechanical and structural developments in the last quarter of the 19th cent. . Built and maintained by ISO with the backing and advice of insurers, it is a bewildering be·wil·der tr.v. be·wil·dered, be·wil·der·ing, be·wil·ders 1. To confuse or befuddle, especially with numerous conflicting situations, objects, or statements. See Synonyms at puzzle. 2. array of high-tech high-tech also hi-tech adj. Informal Of, relating to, or resembling high technology. high-tech Adjective same as hi-tech Adj. 1. equipment housed in about a dozen rooms and manned by 60 to 70 staff members working in shifts. Every day, the system receives some 250,000 claims in all property/casualty lines into the ClaimSearch database, the world's largest compilation Compiling a program. See compiler. of insurance claims with some 230 million claims and third-party information stored. Some 92% of the property/casualty insurance industry, by premium, uses the system. The system cost $10 million to $12 million over the past few years to build and more than twice that amount each year to maintain and operate. "It's it's 1. Contraction of it is. 2. Contraction of it has. See Usage Note at its. it's it is or it has it's be ~have a substantial operation, but when you figure in 1,000 insurance companies, it's pretty inexpensive," Boehning said. Most companies using the system can save what it costs to subscribe To sign up for a service. Contrast with unsubscribe. See opt-in and syndication format. (messaging) subscribe - To request to receive messages posted to a mailing list or newsgroup. In contrast to the mundane use of the word this is often free of charge. with one to three "major saves," which Boehning said is easy to accomplish. "If you recover a $40,000 Mercedes Mercedes (mĕrsā`thēs), city (1996 pop. 39,139), capital of Soriano dept., SW Uruguay, a port on the Río Negro. An agricultural and livestock center, the city has a shipyard and several fine beaches and resorts. or you don't don't 1. Contraction of do not. 2. Nonstandard Contraction of does not. n. A statement of what should not be done: a list of the dos and don'ts. pay on a $100,000 house fire because it's fraud, you've you've Contraction of you have. you've you have you've have just saved a lot of money," he said. Nearly all of the incoming Incoming is a 3-D shooter developed by Rage Software and published by Interplay. The PC version was released in late 1998, and the Dreamcast version, a launch title for the console, was released in 1998 in Japan and in 1999 in the rest of the world. claims--about 97%-are processed electronically and automatically; the rest still arrive by paper, and ISO outsources the data entry. The claims come from 2,000 insurers, 400 third-party administrators, 1,000 self-insureds and 23 of 29 state workers' compensation workers' compensation, payment by employers for some part of the cost of injuries, or in some cases of occupational diseases, received by employees in the course of their work. funds. The system also has a mirror image of the FBI's stolen-car file, export data from customs agents, impounded-car information from police and appraisals of damaged vehicles from three suppliers. Pinpointing the Perps When the system receives a claim, it automatically searches the database for both public and insurance information about the claimant--including vehicle identification number, Social Security number, phone number, address and date of birth--and it sends search results to the sender. It also compares the current claim to others filed by the individual. "If you had a car accident yesterday and fell down your stairs three years ago, there isn't is·n't Contraction of is not. isn't is not isn't be any problem there:' Boehning said. "But if you had a car accident on Monday Monday: see week. , a workers' comp comp See comparison. claim on Tuesday Tuesday: see week. and a slip-and-fall on Wednesday Wednesday: see week. , we need to come out and talk to you, maybe get a statement under oath Under oath could refer to:
The system allows special investigative units to perform in- in- word element [L.], in, within, or into. in- word element [L.], not. in- 1 or il- or im- or ir- pref. depth system searches using its Investigative Query To interrogate a collection of data such as records in a database. The term may also be used to search a single file or collection of files such as HTML files on the Web. However, in addition to obtaining lists of records that match the search criteria, queries to a database allow for capability. These searches, averaging about 35,000 a day, look for links between the claimant CLAIMANT. In the courts of admiralty, when the suit is in rem, the cause is entitled in the Dame of the libellant against the thing libelled, as A B v. Ten cases of calico and it preserves that title through the whole progress of the suit. and other claimants, health practitioners or lawyers. When claims personnel compile To translate a program written in a high-level programming language into machine language. See compiler. convincing information, they take it to law-enforcement authorities for prosecution prosecution n. 1) in criminal law, the government attorney charging and trying the case against a person accused of a crime. 2) a common term for the government's side in a criminal case, as in "the prosecution will present five witnesses" or "the prosecution rests" . In July July: see month. , the prosecutor prosecutor Government attorney who presents the state's case against the defendant in a criminal prosecution. In some countries (France, Japan), public prosecution is carried out by a single office. In the U.S., states and counties have their own prosecutors. in Hudson Hudson, towns, United States Hudson. 1 Industrial town (1990 pop. 17,233), Middlesex co., E central Mass., on the Assabet River, in an apple-growing region; settled c.1699, inc. 1866. County, N.J., indicted INDICTED, practice. When a man is accused by a bill of indictment preferred by a grand jury, he is said to be indicted. 172 people, including a doctor, a lawyer and two chiropractors, in connection with the alleged staging of 19 auto accidents and false medical claims totaling more than $5 million. Later in July, the state's Office of Insurance Fraud Prosecutor and a municipal police department indicted 29 in an alleged fraud scheme involving staged accidents. That alleged fraud ring sent claims to five insurers. Similar cases are on the upswing Upswing An upward turn in a security's price after a period of falling prices. nationwide. In Utah, for example, the insurance department completed a record 153 insurance fraud investigations in its most recent fiscal year, more than three times the number of cases handled the previous year. Both its arrests and convictions were up significantly. Also in July, the Washington Washington, town, England Washington, town (1991 pop. 48,856), Sunderland metropolitan district, NE England. Washington was designated one of the new towns in 1964 to alleviate overpopulation in the Tyneside-Wearside area. , D.C.-based Coalition Against Insurance Fraud reported that state insurance fraud bureaus have doubled their criminal convictions for scams in all lines of insurance by organized crime rings since 1995. The coalition reported that insurance fraud, including health insurance, costs Americans $80 billion a year, or nearly $1,000 per family. The National Association of Independent Insurers, Des Plaines Des Plaines, city, United States Des Plaines (dĕs plānz), city (1990 pop. 53,223), Cook co., NE Ill., a suburb of Chicago on the Des Plaines River; inc. 1925. Among its manufactures are chemicals and electronic equipment. , Ill., reported in August that "an epidemic epidemic, outbreak of disease that affects a much greater number of people than is usual for the locality or that spreads to regions where it is ordinarily not present. of insurance fraud" from New Jersey to Maine Maine, ship Maine, U.S. battleship destroyed (Feb. 15, 1898) in Havana harbor by an explosion that killed 260 men. The incident helped precipitate the Spanish-American War (Apr., 1898). Commanded by Capt. Charles Sigsbee, the ship had been sent (Jan. is causing consumers there to pay higher prices for auto coverage. It said the problem is most severe in Massachusetts Massachusetts (măsəch  `sĭts), most populous of the New England states of the NE United States. , which averaged 9% to 12% rate hikes from
1996 to 1999, and New York New York, state, United StatesNew York, Middle Atlantic state of the United States. It is bordered by Vermont, Massachusetts, Connecticut, and the Atlantic Ocean (E), New Jersey and Pennsylvania (S), Lakes Erie and Ontario and the Canadian province of , which may be on the verge On the Verge (or The Geography of Yearning) is a play written by Eric Overmyer. It makes extensive use of esoteric language and pop culture references from the late nineteenth century to 1955. of supplanting sup·plant tr.v. sup·plant·ed, sup·plant·ing, sup·plants 1. To usurp the place of, especially through intrigue or underhanded tactics. 2. New Jersey as the state with the highest auto premiums. ISO estimates that 7% to 10% of all auto claims in the United States United States, officially United States of America, republic (2005 est. pop. 295,734,000), 3,539,227 sq mi (9,166,598 sq km), North America. The United States is the world's third largest country in population and the fourth largest country in area. are fraudulent The description of a willful act commenced with the Specific Intent to deceive or cheat, in order to cause some financial detriment to another and to engender personal financial gain. . Last year, losses and loss-adjustment expenses for personal and commercial auto lines in the United States amounted to more than $116.36 billion. But in Europe Europe (y  r`əp), 6th largest continent, c.4,000,000 sq mi (10,360,000 sq km) including adjacent islands (1992 est. pop. 512,000,000). , where ISO has recently been
meeting with authorities, ISO estimates the rate to be between 15% and
20%, a disparity dis·par·i·ty n. pl. dis·par·i·ties 1. The condition or fact of being unequal, as in age, rank, or degree; difference: "narrow the economic disparities among regions and industries" at least in part attributable attributable emanating from or pertaining to attribute. attributable proportion see attributable risk (below). attributable risk to the fraud-fighting tools in the United States. "They don't have the deterrents," said Boehning of European European emanating from or pertaining to Europe. European bat lyssavirus see lyssavirus. European beech tree fagussylvaticus. European blastomycosis see cryptococcosis. countries. Follow Through While upbeat about ISO's Claim-Search as an effective tool, Robert Robert, Henry Martyn 1837-1923. American army engineer and parliamentary authority. He designed the defenses for Washington, D.C., during the Civil War and later wrote Robert's Rules of Order (1876). Noun 1. Hartwig, chief economist The Chief Economist is a single position job class having primary responsibility for the development, coordination, and production of economic and financial analysis. It is distinguished from the other economist positions by the broader scope of responsibility encompassing the at the Insurance Information Institute, New York, pointed out that to actually fight fraud rings, investigators must follow through. "Insurers need the backing of insurance departments, law enforcement and state legislatures A state legislature may refer to a legislative branch or body of a political subdivision in a federal system. The following legislatures exist in the following political subdivisions: Contraction of you are. you're you are you're be not given the legal authority and the backing you need, it doesn't does·n't Contraction of does not. do much good." Hartwig said the software programs that help access the ISO database also need to be put into the hands of law-enforcement personnel, but these investigators often lack funding. Law-enforcement units operate within stringent fiscal budgets imposed by city managers and bureaucrats, and software has to compete with other demands, such as violent crime prevention, for funding, he said. "So far, law enforcement has been successful in getting money for some, but we feel that the magnitude magnitude, in astronomy, measure of the brightness of a star or other celestial object. The stars cataloged by Ptolemy (2d cent. A.D.), all visible with the unaided eye, were ranked on a brightness scale such that the brightest stars were of 1st magnitude and the of fraud requires more access to this type of software," he said. Doing so could improve the efficiency of investigators in their fraud-fighting efforts without detracting from time for homicides or other serious crime. Boehning said law enforcement can access the ISO database at two levels. One is for auto, for which about 5,000 passwords have been issued as of August. The other is for white-collar insurance crime, for which about 1,000 passwords have been issued and which provide access to the total database. "We're we're Contraction of we are. we're we are working closely with the National Insurance Crime Bureau "NICB" redirects here. NICB may also refer to the National Industrial Conference Board; see The Conference Board. The National Insurance Crime Bureau (NICB) is a North American non-profit membership organization located in Des Plaines, Illinois. and law enforcement, so if they start to run into things, they can look into it, too," he said. Even if prosecutors show little interest in a case because an insurer An individual or company who, through a contractual agreement, undertakes to compensate specified losses, liability, or damages incurred by another individual. An insurer is frequently an insurance company and is also known as an underwriter. never paid a claim, insurers are still free to pursue claimants they believe have committed fraud, said ISO spokesman Christopher Guidette. They have the option of civil suits for damages. But to encourage law enforcement, the insurance industry has learned to "package up their cases better, to work together, three or four companies, to put the package together and go to law enforcement and say, here it is, this is prosecutable pros·e·cute v. pros·e·cut·ed, pros·e·cut·ing, pros·e·cutes v.tr. 1. Law a. To initiate civil or criminal court action against. b. right here, or this is so overwhelming that you've got to do some investigation," Boehning said. "Giving that package of information has been very helpful to involve law enforcement to investigate further, or to give it to a prosecutor willing to prosecute To follow through; to commence and continue an action or judicial proceeding to its ultimate conclusion. To proceed against a defendant by charging that person with a crime and bringing him or her to trial. the case." (See "Making a Case," page 45.) The industry also reaps benefits from the investigative software, even if a case is not prosecuted. On the positive side, it helps pay meritorious mer·i·to·ri·ous adj. Deserving reward or praise; having merit. [Middle English, from Latin merit claims quicker, Boehning said. "If 10% of claims are fraudulent, 90% of claims are legitimate, and companies want to pay their claims; that's the contract they have with the insured The person who obtains or is otherwise covered by insurance on his or her health, life, or property. The insured in a policy is not limited to the insured named in the policy but applies to anyone who is insured under the policy. insured n. ," he said. If it finds no matches or meaningless matches the system allows those insurers to pay the claim faster and with a higher confidence level. Some insurers have taken steps to make the claims process faster and more convenient for customers--such as drive-in claims centers manned by examiners that can cut a check within minutes. To facilitate faster claims-payment processes for auto physical damage, ISO recently introduced a service called APD APD atrial premature depolarization (see atrial premature complex, under complex ); pamidronate. FastCheck, which quickly searches across all lines of insurance to create a match report and score that summarizes the claimant's and vehicle's full loss history. Finding the Payoff Using the type of software that can search the ISO database, insurers have become bolder in trying to break up the fraud rings, Hartwig said. Computers present investigators with "visually very appealing" representations of links among ring members, so they "start to see things a human could never see with 500 file folders on the desk," he said. Insurers need to make the case for law enforcement, which typically will not undertake a major investigation of a fraud ring on its own, he added. The cases are sometimes so well researched that insurers can use the Racketeer Influenced and Corrupt Organization Act, which allows prosecution of every party in the ring under a theory of conspiracy conspiracy, in law, agreement of two or more persons to commit a criminal or otherwise unlawful act. At common law, the crime of conspiracy was committed with the making of the agreement, but present-day statutes require an overt step by a conspirator to further the and which provides for treble damages A recovery of three times the amount of actual financial losses suffered which is provided by statute for certain kinds of cases. The statute authorizing treble damages directs the judge to multiply by three the amount of monetary damages awarded by the jury in those cases . "It's a club--a legal club--insurers can wield wield tr.v. wield·ed, wield·ing, wields 1. To handle (a weapon or tool, for example) with skill and ease. 2. To exercise (authority or influence, for example) effectively. See Synonyms at handle. ," Hartwig said. "It allows them to prosecute the principals involved in these corrupt activities and to go right to the top, to those with the most to lose." Law enforcement has successfully used RICO RICO n. . to put gangsters and the Mafia Mafia (mä`fēä), name given to a number of organized groups of Sicilian brigands in the 19th and 20th cent. Unlike the Camorra in Naples, the Mafia had no hierarchic organization; each group operated on its own. Out of business, put them in jail for decades and strip them of their assets, Hartwig said. Investment in anti-fraud efforts, including special investigative units, has proven to be financially worthwhile. In the mid- mid- pref. Middle: midbrain. 1990s, insurers said that for every dollar they invested, they were getting up to $27 back, according to according to prep. 1. As stated or indicated by; on the authority of: according to historians. 2. In keeping with: according to instructions. 3. a February February: see month. 2001 report by the Insurance Information Institute. But the institute said these returns have become harder to achieve "as the more apparent fraud schemes have been uncovered Uncovered may refer to:
ferret discover, find - make a discovery; "She found that he had lied to her"; "The story is false, so far as I can discover" the sophisticated fraud that remains." A more recent survey showed returns on running special investigative units ranged from 3-to-1 to a high of 27-to-1, depending on the year and the line of insurance. Software provider NetMap Analytics entered a strategic alliance two years ago with ISO that makes use of the NetMap for Claims software to search the ClaimSearch database. ISO also offers ViewLink Manager, software for desktop computers, for less sophisticated database queries. NetMap for Claims processes much more information, and it allows an insurer to tie it into its own database, said Diana Diana, in Roman religion Diana (dīăn`ə), in Roman religion, goddess of the moon, forests, animals, and women in childbirth. She was probably originally a forest goddess and a special patroness of women. Scranton Scranton, city (1990 pop. 81,805), seat of Lackawanna co., NE Pa., in a mountain region, on the Lackawanna River; settled in the 1700s, inc. 1866. Named for George W. , director of corporate communications Corporate communications is the process of facilitating information and knowledge exchanges with internal and key external groups and individuals that have a direct relationship with an enterprise. for NetMap Analytics. Insurers also can use other brands of software to access the ISO ClaimSearch database. NetMap's client base of insurers has grown to 26 from five two years ago, said Rob Doone, chief operating officer Chief Operating Officer (COO) The officer of a firm responsible for day-to-day management, usually the president or an executive vice-president. and president of the Americas A·mer·i·cas , the See America. Operation at the Westerville Westerville, city (1990 pop. 30,269), Delaware and Franklin counties, central Ohio; inc. 1858. Seed and grain cleaners, fabricated steel, and dairy products are made. Otterbein College is there. Hoover reservoir is to the east. , Ohio-based company. But the industry in general is still loathe to use the software to attack the problem, he said. Rather than attacking fraud, many senior executives still assign a higher priority to attacking the "historical metrics metrics Managed care A popular term for standards by which the quality of a product, service, or outcome of a particular form of Pt management is evaluated. See TQM. ," such as driving down internal costs. "But they're they're Contraction of they are. they're be running Out of room with those metrics," he said. "The overall P/C combined ratio increased to more than 110 last year, tip from 108, despite higher premiums and lower catastrophe Catastrophe, from the Greek Καταστροφή (katastrephein), literally means "to turn" (strephein) "downwards" (kata-). losses." Historically, executives have believed that fraud is something they couldn't could·n't Contraction of could not. couldn't could not control, he added. Fraudulent claim payments, however, are about equal to what should be earnings-per-share money at the typical company, or money that can be returned to mutual policyholders in lower premiums or dividends, Doone said, assuming that claims at a typical company are about 70% of premiums, and about 10% are fraudulent. "I don't know Don't know (DK, DKed) "Don't know the trade." A Street expression used whenever one party lacks knowledge of a trade or receives conflicting instructions from the other party. of any other 10% item going right out the door," he said. "It's a large, gaping gap·ing adj. Deep and wide open: a gaping wound; a gaping hole. gap  ing·ly adv.Adj. hole hitting their bottom line. It's a hurricane hurricane, tropical cyclone in which winds attain speeds greater than 74 mi (119 km) per hr. Wind speeds reach over 190 mi (289 km) per hr in some hurricanes. that hits every day." An offshoot of the software search programs is that they are helping to discover the magnitude of the fraud problem, and that discovery has even attracted the attention of the FBI. "These fraud rings are multimillion-dollar organizations," Doone said. "Historically, the FBI didn't did·n't Contraction of did not. didn't did not didn't do get involved unless there was interstate in·ter·state adj. Involving, existing between, or connecting two or more states. n. One of a system of highways extending between the major cities of the 48 contiguous United States. Noun 1. crime, but now there are dollar thresholds." What's more, the software programs represent public assistance for which the public does not have to pay as organizations like ISO and the National Insurance Crime Bureau help track fraud and help authorities to go after it, he added. The No-Fault no-fault adj. 1. Of, indicating, or being a system of motor vehicle insurance in which accident victims are compensated by their insurance companies without assignment of blame. 2. Effect Doone and others said fraud rings tend to operate in states with no-fault laws and in big cities. Since no-fault insurance no-fault insurance, type of indemnity plan, usually applied to automobile coverage, in which those injured in an accident receive direct payment from the company with which they themselves are insured. is designed to minimize In a graphical environment, to hide an application that is currently displayed on screen. For example, in Windows and Mac, the application's window is removed from the screen and represented by an icon on the Windows Taskbar. In the Mac, the icon is placed in the Dock. See Win Minimize windows. involvement by lawyers and courts, insurers are less concerned about determining who is at fault in an accident, thereby making fraud more likely. Hartwig said no-fault laws have created a "perfect environment" for criminals, and this environment has evolved over time. New York's no-fault law, for example, still retained features as of early August that were little changed from the law's enactment in the early 1970s. While managed care has taken hold elsewhere, with fixed amounts per procedure or per capita [Latin, By the heads or polls.] A term used in the Descent and Distribution of the estate of one who dies without a will. It means to share and share alike according to the number of individuals. and standards for reasonable and proper treatment, it doesn't exist under no-fault laws in New York. What's more, the law allows for up to $50,000 in medical coverage for each insured in each accident, and claimants can delay submitting claims for up to six months after medical treatment is rendered, "So you can rack up rack 1 n. 1. a. A framework or stand in or on which to hold, hang, or display various articles: a trophy rack; a rack for baseball bats in the dugout; a drying rack for laundry. a considerable amount of medical claims during that period," he said. No-fault laws are easy enough to fix but can be held hostage hostage, person held by another as a guarantee that certain actions or promises will or will not be carried out. During periods of internal turmoil, insurgents often seize hostages; recent examples include seizures of Americans and other foreigners by militants in to political interests. In New York, the Assembly, the Senate and the insurance department each offered proposals, but all were being held up by what Hartwig called "political gamesmanship games·man·ship n. 1. The art or practice of using tactical maneuvers to further one's aims or better one's position: " in the state capital. Meanwhile, the NAIL nail, in carpentry nail, metal pin driven by force applied at one end into pieces of material, usually wood, to join them together. The strength of a nailed joint depends on the properties of the wood, the type and number of nails used, and the type of , alleging too many loopholes, opposed op·pose v. op·posed, op·pos·ing, op·pos·es v.tr. 1. To be in contention or conflict with: oppose the enemy force. 2. the Assembly bill to reduce the six-month reporting period to 60 days. But Hartwig said tough anti-fraud laws passed in New Jersey two years ago "drove scamsters across the Lincoln Tunnel The Lincoln Tunnel is a 1.5 mile (2.4 km) long tunnel under the Hudson River, connecting Weehawken, New Jersey and the borough of Manhattan in New York City. History The tunnel was designed by Ole Singstad. ." Such reforms pressure neighboring neigh·bor n. 1. One who lives near or next to another. 2. A person, place, or thing adjacent to or located near another. 3. A fellow human. 4. Used as a form of familiar address. v. states to adopt similar laws. "No-fault laws can work if insurers are vigilant," agreed Doone. "Use a software product...to analyze an·a·lyze v. 1. To examine methodically by separating into parts and studying their interrelations. 2. To separate a chemical substance into its constituent elements to determine their nature or proportions. 3. the total pool of claims, and the fraud jumps right out at you."
Auto Loss and Loss-Adjustment Expenses--2000
In 2000, losses and loss-adjustment expenses for personal and
commercial auto lines in the United States amounted to more
than $116.36 billion.
($ Thousands)
Liability Personal Commercial Total
Earned Premium $69,560,947 $13,055,602 $82,616,549
Loss Ratio 88.1 89.9 88.4
Loss and Loss-
Adjustment Expenses $61,283,194 $11,736,986 $73,020,181
Physical Damage
Earned Premium $49,919,307 $5,779,471 $55,698,778
Loss Ratio 78.0 76.1 77.8
Loss and Loss-
Adjustment Expenses $38,937,059 $4,398,177 $43,335,237
Total
Earned Premium $119,480,254 $18,835,073 $138,315,327
Loss Ratio 83.9 85.7 84.1
Loss and Loss-
Adjustment Expenses $100,220,254 $16,135,164 $116,355,417
Source: Insurance Services Office Inc.
Total Auto, Top Writers--2000
2000 Direct %
Premiums Premium Market Share (%)
Rank Company/Group ($ Thousands) Change 2000
1 State Farm Group $22,306,942 -3.5% 15.8
2 Allstate Ins Group 14,700,073 -1.5 10.4
3 Zurich/Farmers Group 8,342,307 -1.0 5.9
4 Progressive Group 6,272,497 1.7 4.4
5 Nationwide Group 6,119,879 7.6 4.3
6 Berkshire Hathaway 5,730,422 16.6 4.1
7 USAA Group 4,072,754 8.9 2.9
8 Travelers/Citigrp Co 3,677,204 5.1 2.6
9 Liberty Mut Ins Cos 3,650,398 4.9 2.6
10 Amer Intern Group Inc 2,831,498 11.8 2.0
11 Amer Family Ins Group 2,515,289 3.4 1.8
12 Hartford Ins Group 2,443,596 5.6 1.7
13 CNA Ins Cos 2,267,238 -4.3 1.6
14 Safeco Ins Cos 2,148,439 -0.3 1.5
15 CGU Group 1.920,114 1.5 1.4
16 MetLife Auto&Home Gr 1,615,187 9.9 1.1
17 Great Amer P&C Group 1,531,071 11.2 1.1
18 Calif State Auto Group 1,462,095 2.0 1.0
19 Erie Ins Group 1,428,082 4.1 1.0
20 Prudential of Am Group 1,301,698 0.5 0.9
21 GMAC Ins Group 1,262,372 4.7 0.9
22 Allmerica P & C Cos 1,261,284 8.0 0.9
23 Auto Club So Cal Group 1,204,084 5.4 0.9
24 Auto-Owners Group 1,192,043 11.7 0.8
25 Mercury General Group 1,182,760 -1.9 0.8
Total U.S. Companies $141,243,754 2.3 100.0
% of
Adjusted Loss Ratio [1] Company
Rank 1999 1998 2000 1999 1998 Premiums
1 16.7 17.6 80.2 69.6 70.0 67.6
2 10.8 11.0 65.4 58.7 54.8 74.6
3 6.1 6.3 72.6 67.8 67.2 45.3
4 4.5 3.9 69.9 62.9 56.0 98.0
5 4.1 4.0 72.7 66.8 64.5 62.0
6 3.6 3.1 78.2 71.8 65.6 85.5
7 2.7 2.6 76.3 75.0 93.4 71.9
8 2.5 2.5 72.4 66.6 63.6 33.9
9 2.5 2.6 77.9 70.7 73.2 39.5
10 1.8 1.6 78.3 71.4 68.2 21.7
11 1.8 1.7 70.3 68.1 65.3 66.5
12 1.7 1.5 67.7 66.0 66.0 35.8
13 1.7 1.7 76.3 73.2 56.7 22.2
14 1.6 1.6 74.3 70.5 64.1 45.8
15 1.4 1.4 84.2 69.3 70.8 41.2
16 1.1 1.1 67.1 63.9 60.9 77.0
17 1.0 1.2 68.7 62.9 62.5 45.8
18 1.0 1.1 73.3 82.0 70.5 87.2
19 1.0 1.0 67.8 62.2 60.6 64.7
20 0.9 1.1 57.2 55.7 53.8 72.3
21 0.9 0.9 64.3 65.5 69.4 64.4
22 0.8 0.7 71.4 73.1 75.0 52.6
23 0.8 0.8 71.9 63.1 63.6 90.0
24 0.8 0.7 69.9 71.7 72.4 52.1
25 0.9 0.9 59.3 55.5 50.2 93.8
100.0 100.0 73.1 67.7 66.1 44.9
(1)Adjusted loss ratio is direct losses incurred divided by the
difference between direct premiums earned and dividends paid to
policyholders.
Source: A.M. Best Statement and Competitive Analysis Report Products
Private-Passenger Auto, Top Writers--2000
2000 Direct %
Premiums Written Premium
Company/Group ($ Thousands) Change
State Farm Group $21,617,472 -3.6
Allstate Insurance Group 14,265,670 -1.8
Zurich/Farmers Group 7,000,554 -4.8
Progressive Group 5,690,345 -0.3
Berkshire Hathaway 5,627,730 16.7
Nationwide Group 5,592,728 7.4
USAA Group 4,072,706 8.9
Liberty Mut Insurance Cos 2,796,902 5.5
Amer Family Insurance Group 2,479,649 3.5
Travelers/Citigrp Co 2,426,795 1.5
Amer Intern Group Inc 2,308,419 17.8
Hartford Insurance Group 2,005,735 7.4
Safeco Insurance Cos 1,726,435 -0.1
MetLife Auto&Home Group 1,615,187 9.9
Calif State Auto Group 1,462,095 2.0
CNA Ins Cos 1,310,268 -2.5
Great Amer P&C Group 1,302,544 11.5
Prudential of Am Group 1,292,671 0.9
Erie Insurance Group 1,254,772 2.7
Auto Club So Cal Group 1,204,084 5.4
CGU Group 1,180,486 -9.1
Mercury General Group 1,136,227 -2.2
GMAC Insurance Group 1,076,390 2.8
Allmerica P & C Cos 988,217 7.0
Auto Club Group 962,680 -1.3
Total U.S. Companies $120,528,341 1.4
Market Share (%)
Company/Group 2000 1999 1998
State Farm Group 17.9 18.9 19.7
Allstate Insurance Group 11.8 12.2 12.4
Zurich/Farmers Group 5.8 6.2 6.4
Progressive Group 4.7 4.8 4.2
Berkshire Hathaway 4.7 4.1 3.5
Nationwide Group 4.6 4.4 4.3
USAA Group 3.4 3.1 3.0
Liberty Mut Insurance Cos 2.3 2.2 2.3
Amer Family Insurance Group 2.1 2.0 1.9
Travelers/Citigrp Co 2.0 2.0 2.0
Amer Intern Group Inc 1.9 1.6 1.5
Hartford Insurance Group 1.7 1.6 1.4
Safeco Insurance Cos 1.4 1.5 1.5
MetLife Auto&Home Group 1.3 1.2 1.2
Calif State Auto Group 1.2 1.2 1.2
CNA Ins Cos 1.1 1.1 1.1
Great Amer P&C Group 1.1 1.0 1.2
Prudential of Am Group 1.1 1.1 1.2
Erie Insurance Group 1.0 1.0 1.1
Auto Club So Cal Group 1.0 1.0 0.9
CGU Group 1.0 1.1 1.1
Mercury General Group 0.9 1.0 1.0
GMAC Insurance Group 0.9 0.9 1.0
Allmerica P & C Cos 0.8 0.8 0.7
Auto Club Group 0.8 0.8 0.9
Total U.S. Companies 100.0 100.0 100.0
Adjusted Loss Ratio [1]
Company/Group 2000 1999 1998
State Farm Group 80.5 69.8 70.2
Allstate Insurance Group 65.4 58.5 54.7
Zurich/Farmers Group 72.0 65.9 64.4
Progressive Group 70.7 63.0 56.1
Berkshire Hathaway 78.8 72.0 65.7
Nationwide Group 72.4 65.7 64.2
USAA Group 76.3 75.0 93.4
Liberty Mut Insurance Cos 69.5 62.3 64.3
Amer Family Insurance Group 70.4 68.4 65.3
Travelers/Citigrp Co 71.8 65.1 59.3
Amer Intern Group Inc 74.1 62.6 60.0
Hartford Insurance Group 66.8 65.9 66.4
Safeco Insurance Cos 73.8 70.6 64.3
MetLife Auto&Home Group 67.2 63.9 60.8
Calif State Auto Group 73.3 82.0 70.5
CNA Ins Cos 70.2 65.8 52.5
Great Amer P&C Group 69.1 62.6 62.0
Prudential of Am Group 57.2 55.3 53.8
Erie Insurance Group 66.8 62.4 61.2
Auto Club So Cal Group 71.9 63.1 63.6
CGU Group 82.8 69.1 69.4
Mercury General Group 60.1 55.6 50.4
GMAC Insurance Group 63.9 66.7 68.6
Allmerica P & C Cos 67.6 72.3 73.7
Auto Club Group 88.0 77.7 70.9
Total U.S. Companies 72.3 66.3 64.7
% of
Company
Company/Group Premiums
State Farm Group 65.5
Allstate Insurance Group 72.4
Zurich/Farmers Group 38.0
Progressive Group 88.9
Berkshire Hathaway 84.0
Nationwide Group 56.6
USAA Group 71.9
Liberty Mut Insurance Cos 30.3
Amer Family Insurance Group 65.6
Travelers/Citigrp Co 22.4
Amer Intern Group Inc 17.7
Hartford Insurance Group 29.4
Safeco Insurance Cos 36.8
MetLife Auto&Home Group 77.0
Calif State Auto Group 87.2
CNA Ins Cos 12.8
Great Amer P&C Group 39.0
Prudential of Am Group 71.8
Erie Insurance Group 56.9
Auto Club So Cal Group 90.0
CGU Group 25.4
Mercury General Group 90.1
GMAC Insurance Group 54.9
Allmerica P & C Cos 41.2
Auto Club Group 86.6
Total U.S. Companies 38.3
Commercial Auto, Top Writers--2000
2000 Direct %
Premiums Written Premium Market Share (%)
Company/Group ($ Thousands) Change 2000
Zurich/Farmers Group $1,341,753 25.3 6.5
Travelers/Citigrp Co 1,250,409 12.8 6.0
CNA Insurance Cos 956,970 -6.7 4.6
Liberty Mut Ins Cos 853,496 3.2 4.1
St Paul Co 780,139 17.9 3.8
CGU Group 739,628 24.9 3.6
State Farm Group 689,469 -0.9 3.3
Progressive Group 582,152 27.1 2.8
Nationwide Group 527,150 9.7 2.5
Amer Intern Group Inc 523,079 -8.8 2.5
Old Republic Gen Group 445,892 -8.5 2.2
Hartford Insurance Group 437,861 -2.0 2.1
Allstate Insurance Group 434,403 7.2 2.1
Auto-Owners Group 424,666 19.0 2.1
Safeco Insurance Cos 422,003 -1.1 2.0
Royal & SunAlliance 357,392 -1.4 1.7
Winterthur Swiss Group 286,861 17.6 1.4
Cincinnati Insurance Cos 275,019 16.5 1.3
Allmerica P & C Cos 273,067 11.9 1.3
Kemper Ins Cos 267,457 47.9 1.3
Fairfax Fin (US) Group 264,072 -14.9 1.3
Allianz of America 243,521 -0.4 1.2
Great Amer P&C Group 228,527 9.8 1.1
W R Berkley Group 220,799 -12.4 1.1
Harleysville Insurance 201,128 0.4 1.0
Total U.S. Companies $20,715,413 8.2 100.0
Adjusted Loss Ratio [1]
Company/Group 1999 1998 2000 1999
Zurich/Farmers Group 5.6 5.5 76.0 80.9
Travelers/Citigrp Co 5.8 5.9 73.6 69.7
CNA Insurance Cos 5.4 5.6 83.6 82.6
Liberty Mut Ins Cos 4.3 4.7 105.2 96.5
St Paul Co 3.5 3.7 65.6 71.5
CGU Group 3.1 3.1 86.5 69.7
State Farm Group 3.6 3.7 70.2 61.5
Progressive Group 2.4 2.3 60.6 60.9
Nationwide Group 2.5 2.4 75.8 78.8
Amer Intern Group Inc 3.0 2.6 97.9 103.1
Old Republic Gen Group 2.5 2.7 80.1 95.9
Hartford Insurance Group 2.3 2.3 71.5 66.1
Allstate Insurance Group 2.1 2.0 68.2 65.4
Auto-Owners Group 1.9 1.7 72.0 71.6
Safeco Insurance Cos 2.2 2.0 76.5 70.0
Royal & SunAlliance 1.9 2.0 77.6 79.0
Winterthur Swiss Group 1.3 1.2 70.1 68.9
Cincinnati Insurance Cos 1.2 1.2 109.5 77.3
Allmerica P & C Cos 1.3 1.1 85.0 76.4
Kemper Ins Cos 0.9 1.2 74.3 66.4
Fairfax Fin (US) Group 1.6 2.0 98.2 82.8
Allianz of America 1.3 1.3 94.2 72.2
Great Amer P&C Group 1.1 1.0 66.3 64.5
W R Berkley Group 1.3 1.3 76.9 88.7
Harleysville Insurance 1.0 1.0 64.0 72.3
Total U.S. Companies 100.0 100.0 78.2 76.3
% of
Company
Company/Group 1998 Premiums
Zurich/Farmers Group 88.2 7.3
Travelers/Citigrp Co 72.0 11.5
CNA Insurance Cos 61.8 9.4
Liberty Mut Ins Cos 98.2 9.2
St Paul Co 87.5 14.2
CGU Group 74.1 15.9
State Farm Group 63.1 2.1
Progressive Group 55.4 9.1
Nationwide Group 67.9 5.3
Amer Intern Group Inc 94.1 4.0
Old Republic Gen Group 77.6 31.6
Hartford Insurance Group 64.3 6.4
Allstate Insurance Group 56.0 2.2
Auto-Owners Group 69.7 18.6
Safeco Insurance Cos 63.2 9.0
Royal & SunAlliance 80.2 8.5
Winterthur Swiss Group 70.4 16.8
Cincinnati Insurance Cos 71.4 14.1
Allmerica P & C Cos 80.8 11.4
Kemper Ins Cos 81.8 7.4
Fairfax Fin (US) Group 77.7 11.9
Allianz of America 66.7 5.1
Great Amer P&C Group 65.5 6.8
W R Berkley Group 75.8 17.1
Harleysville Insurance 65.8 18.2
Total U.S. Companies 74.8 6.6
(1)Adjusted loss ratio is direct losses incurred divided by the
difference between direct premiums earned and dividends paid to
policyholders.
Source: A.M. Best Statement and Competitive Analysis Report Products
To access these statistical studies online, visit www.bestreview.com
and click on this story. The full statistical report and the data in
spreadsheet format can be downloaded. Call Customer Service for more
information, (908) 439-2200, ext. 5742.
Auto Liability, Top Writers--2000
2000 Direct %
Premiums Written Premium
Company/Group ($ Thousands) Change
State Farm Group $12,620,224 -5.0
Allstate Insurance Group 8,261,359 -4.1
Zurich/Farmers Group 4,955,758 2.2
Nationwide Group 3,839,519 7.1
Progressive Group 3,794,118 -0.2
Berkshire Hathaway 3,491,453 15.8
Travelers/Citigrp Co 2,370,335 4.2
Liberty Mut Insurance Cos 2,351,531 3.8
USAA Group 2,171,048 6.5
Amer Intern Group Inc 1,885,114 8.4
Hartford Insurance Group 1,551,584 3.1
CNA Insurance Co 1,533,190 -5.4
Amer Family Insurance Group 1,351,372 -0.2
Safeco Insurance Cos 1,271,487 -2.0
CGU Group 1,228,582 0.8
Great Amer P&C Group 981,870 7.2
MetLife Auto&Home Group 934,306 8.0
St Paul Cos 846,483 8.8
Erie Insurance Group 838,703 1.3
Prudential of Am Group 816,948 -1.6
Calif State Auto Group 807,824 -1.3
Royal & SunAlliance 769,880 -6.3
Allmerica P & C Cos 714,450 8.5
Mercury General Group 696,636 -3.7
GMAC Ins Group 682,556 1.8
Total U.S. Companies $84,424,508 1.1
Market Share (%)
Company/Group 2000 1999 1998
State Farm Group 14.9 15.9 16.7
Allstate Insurance Group 9.8 10.3 10.6
Zurich/Farmers Group 5.9 5.8 6.0
Nationwide Group 4.5 4.3 4.2
Progressive Group 4.5 4.6 4.0
Berkshire Hathaway 4.1 3.6 3.1
Travelers/Citigrp Co 2.8 2.7 2.7
Liberty Mut Insurance Cos 2.8 2.7 2.8
USAA Group 2.6 2.4 2.4
Amer Intern Group Inc 2.2 2.1 1.8
Hartford Insurance Group 1.8 1.8 1.7
CNA Insurance Co 1.8 1.9 1.9
Amer Family Insurance Group 1.6 1.6 1.6
Safeco Insurance Cos 1.5 1.6 1.6
CGU Group 1.5 1.5 1.5
Great Amer P&C Group 1.2 1.1 1.3
MetLife Auto&Home Group 1.1 1.0 1.1
St Paul Cos 1.0 0.9 1.0
Erie Insurance Group 1.0 1.0 1.0
Prudential of Am Group 1.0 1.0 1.1
Calif State Auto Group 1.0 1.0 1.0
Royal & SunAlliance 0.9 1.0 1.0
Allmerica P & C Cos 0.8 0.8 0.6
Mercury General Group 0.8 0.9 0.9
GMAC Ins Group 0.8 0.8 0.9
Total U.S. Companies 100.0 100.0 100.0
Adjusted Loss Ratio [1]
Company/Group 2000 1999 1998
State Farm Group 81.3 69.1 69.1
Allstate Insurance Group 71.4 61.1 53.7
Zurich/Farmers Group 74.3 70.6 68.5
Nationwide Group 72.1 68.2 65.9
Progressive Group 74.1 64.6 55.1
Berkshire Hathaway 83.4 74.5 66.3
Travelers/Citigrp Co 77.1 68.1 63.5
Liberty Mut Insurance Cos 84.4 73.5 75.8
USAA Group 85.2 78.4 94.5
Amer Intern Group Inc 81.6 71.5 68.1
Hartford Insurance Group 68.3 66.6 65.8
CNA Insurance Co 75.3 80.7 54.2
Amer Family Insurance Group 68.3 70.4 57.2
Safeco Insurance Cos 79.1 74.6 63.5
CGU Group 94.3 72.0 73.5
Great Amer P&C Group 70.1 64.1 63.8
MetLife Auto&Home Group 67.9 65.9 59.4
St Paul Cos 70.8 57.8 87.2
Erie Insurance Group 71.5 63.6 62.8
Prudential of Am Group 56.6 57.6 54.9
Calif State Auto Group 70.2 79.8 61.2
Royal & SunAlliance 73.3 68.6 68.2
Allmerica P & C Cos 76.3 79.0 82.2
Mercury General Group 59.4 56.2 45.3
GMAC Ins Group 66.4 72.5 75.5
Total U.S. Companies 76.3 69.8 66.4
% of
Company
Company/Group Premiums
State Farm Group 38.3
Allstate Insurance Group 42.0
Zurich/Farmers Group 26.9
Nationwide Group 38.9
Progressive Group 59.3
Berkshire Hathaway 52.1
Travelers/Citigrp Co 21.9
Liberty Mut Insurance Cos 25.5
USAA Group 38.3
Amer Intern Group Inc 14.5
Hartford Insurance Group 22.7
CNA Insurance Co 15.0
Amer Family Insurance Group 35.7
Safeco Insurance Cos 27.1
CGU Group 26.4
Great Amer P&C Group 29.4
MetLife Auto&Home Group 44.6
St Paul Cos 15.4
Erie Insurance Group 38.0
Prudential of Am Group 45.4
Calif State Auto Group 48.2
Royal & SunAlliance 18.4
Allmerica P & C Cos 29.8
Mercury General Group 55.2
GMAC Ins Group 34.8
Total U.S. Companies 26.8
Auto Physical Damage, Top Writers--2000
2000 Direct %
Premiums Written Premium Market Share (%)
Company/Group ($ Thousands) Change 2000
State Farm Group $9,686,718 -1.4 17.0
Allstate Insurance Group 6,438,714 2.0 11.3
Zurich/Farmers Group 3,386,548 -5.3 6.0
Progressive Group 2,478,378 4.7 4.4
Nationwide Group 2,280,360 8.6 4.0
Berkshire Hathaway 2,238,970 18.0 3.9
USAA Group 1,901,706 11.8 3.3
Travelers/Citigrp Co 1,306,869 6.8 2.3
Liberty Mut Insurance Cos 1,298,866 7.2 2.3
Amer Family Ins Group 1,163,917 8.0 2.0
Amer Intern Group Inc 946,355 19.3 1.7
Hartford Insurance Group 892,012 10.2 1.6
Safeco Insurance Cos 876,951 2.3 1.5
CNA Ins Co 734,049 -1.9 1.3
CGU Group 691,532 2.8 1.2
MetLife Auto&Home Group 680,882 12.5 1.2
Calif State Auto Group 654,271 6.4 1.2
Erie Insurance Group 589,379 8.4 1.0
GMAC Insurance Group 579,816 8.3 1.0
Auto Club Group 575,679 -2.6 1.0
Great Amer P&C Group 549,201 19.2 1.0
Allmerica P & C Cos 546,834 7.3 1.0
Auto-Owners Group 529,965 15.1 0.9
Auto Club So Cal Group 529,491 8.3 0.9
Mercury General Group 486,124 0.6 0.9
Total U.S. Companies $56,819,247 4.2 100.0
Adjusted Loss Ratio [1]
Company/Group 1999 1998 2000 1999
State Farm Group 18.0 18.9 78.8 70.3
Allstate Insurance Group 11.6 11.7 57.7 55.3
Zurich/Farmers Group 6.6 6.7 70.0 63.9
Progressive Group 4.3 3.8 63.4 60.0
Nationwide Group 3.9 3.8 73.7 64.4
Berkshire Hathaway 3.5 3.0 70.2 67.5
USAA Group 3.1 2.9 66.0 70.9
Travelers/Citigrp Co 2.2 2.1 63.8 63.7
Liberty Mut Insurance Cos 2.2 2.3 65.9 65.2
Amer Family Ins Group 2.0 1.9 72.6 65.3
Amer Intern Group Inc 1.5 1.3 71.8 71.1
Hartford Insurance Group 1.5 1.3 66.6 64.8
Safeco Insurance Cos 1.6 1.6 67.2 64.3
CNA Ins Co 1.4 1.3 78.7 56.5
CGU Group 1.2 1.3 66.0 64.2
MetLife Auto&Home Group 1.1 1.1 65.9 61.1
Calif State Auto Group 1.1 1.2 77.4 85.0
Erie Insurance Group 1.0 1.0 62.3 59.9
GMAC Insurance Group 1.0 1.1 61.8 56.6
Auto Club Group 1.1 1.2 69.5 59.7
Great Amer P&C Group 0.8 1.0 66.2 60.4
Allmerica P & C Cos 0.9 1.0 65.1 65.5
Auto-Owners Group 0.8 0.8 73.1 70.0
Auto Club So Cal Group 0.9 0.8 69.7 65.7
Mercury General Group 0.9 0.8 59.1 54.4
Total U.S. Companies 100.0 100.0 68.4 64.4
% of
Company
Company/Group 1998 Premiums
State Farm Group 71.5 29.4
Allstate Insurance Group 56.4 32.7
Zurich/Farmers Group 65.2 18.4
Progressive Group 57.7 38.7
Nationwide Group 61.9 23.1
Berkshire Hathaway 64.3 33.4
USAA Group 91.9 33.6
Travelers/Citigrp Co 63.7 12.1
Liberty Mut Insurance Cos 67.7 14.1
Amer Family Ins Group 76.5 30.8
Amer Intern Group Inc 68.3 7.3
Hartford Insurance Group 66.3 13.1
Safeco Insurance Cos 65.0 18.7
CNA Ins Co 62.7 7.2
CGU Group 65.5 14.9
MetLife Auto&Home Group 63.4 32.5
Calif State Auto Group 84.4 39.0
Erie Insurance Group 57.0 26.7
GMAC Insurance Group 61.5 29.6
Auto Club Group 60.2 51.8
Great Amer P&C Group 59.6 16.4
Allmerica P & C Cos 67.3 22.8
Auto-Owners Group 76.5 23.2
Auto Club So Cal Group 71.1 39.6
Mercury General Group 59.1 38.5
Total U.S. Companies 65.5 18.1
(1)Adjusted loss ratio is direct losses incurred divided by the
difference between direct premiums earned and dividends paid to
policyholders.
Source: A.M. Best Statement and Competitive Analysis Report Products
Total Auto, Top Writers By State--2000
($ Thousands)
% of %
No. of Direct U.S. Prem.
State Rank Cos. Premiums Total Chg. ALR [1]
Ala. 25 495 $2,101,029 1.5 9.0 67.9
Alaska 48 297 299,901 0.2 3.8 71.5
Ariz. 19 542 2,630,414 1.9 3.2 70.9
Ark. 32 480 1,267,110 0.9 0.1 75.2
Calif 1 559 15,532,247 11.0 2.3 70.2
Colo. 20 492 2,598,353 1.8 5.0 70.7
Conn. 24 418 2,197,063 1.6 1.4 65.8
Del. 44 391 514,988 0.4 4.6 73.8
D.C. 51 329 222,899 0.2 1.3 63.2
Fla. 4 614 8,764,830 6.2 2.7 79.7
Ga. 10 597 4,357,786 3.1 3.4 66.3
Hawaii 43 238 531,252 0.4 -3.5 50.5
Idaho 41 424 571,779 0.4 4.0 70.6
Ill. 7 640 5,541,203 3.9 2.2 73.0
Ind. 16 619 2,831,531 2.0 1.8 72.7
Iowa 31 510 1,287,960 0.9 3.0 69.1
Kan. 30 483 1,327,085 0.9 3.5 68.1
Ky. 27 520 1,929,088 1.4 1.8 74.6
La. 22 505 2,390,951 1.7 -0.2 85.3
Maine 42 311 570,235 0.4 2.5 65.5
Md. 15 500 2,991,116 2.1 3.7 71.8
Mass. 11 327 4,290,002 3.0 11.9 66.5
Mich. 8 470 5,263,270 3.7 0.6 82.6
Minn. 17 489 2,715,525 1.9 3.6 70.8
Miss. 33 502 1,190,629 0.8 3.0 73.3
Mo. 18 560 2,678,318 1.9 2.1 68.9
Mont. 45 397 437,115 0.3 5.7 76.7
Neb. 38 464 836,795 0.6 1.5 70.1
Nev. 34 439 1,157,913 0.8 1.9 69.7
N.H. 39 314 642,850 0.5 3.1 66.0
N.J. 6 424 5,766,406 4.1 0.6 72.7
N.M. 37 420 848,412 0.6 -0.8 63.0
N.Y. 3 509 9,682,593 6.9 0.8 80.4
N.C. 12 466 3,866,591 2.7 -0.3 68.7
N.D. 47 402 304,699 0.2 1.6 79.1
Ohio 9 628 5,106,041 3.6 1.6 73.1
Okla. 29 497 1,615,479 1.1 3.0 71.2
Ore. 28 482 1,716,789 1.2 0.5 68.7
Pa. 5 589 6,260,730 4.4 -0.1 73.2
R.I. 40 362 599,545 0.4 2.9 67.8
S.C. 26 473 1,976,924 1.4 5.1 79.7
S.D. 46 423 349,063 0.2 2.3 66.1
Tenn. 21 581 2,527,566 1.8 2.1 70.5
Texas 2 607 9,791,129 6.9 1.6 77.7
Utah 35 457 979,919 0.7 1.7 70.0
Vt. 49 313 289,680 0.2 3.6 66.3
Va. 13 531 3,371,949 2.4 6.0 68.0
Wash. 14 488 3,044,475 2.2 2.1 71.6
W. Va. 36 404 939,089 0.7 1.2 73.3
Wis. 23 562 2,289,983 1.6 1.3 76.4
Wyo. 50 349 245,459 0.2 1.8 71.2
U.S. Total 1,550 $141,243,754 100.0 2.3 73.1
Market Share
Agency Direct
State DDCCE [2] Writer [3] Writer [4]
Ala. 3.0 35.2 64.8
Alaska 3.5 25.1 74.9
Ariz. 2.6 29.6 70.4
Ark. 2.0 29.8 70.2
Calif 4.3 37.4 62.6
Colo. 2.5 28.7 71.3
Conn. 3.5 49.1 50.9
Del. 3.1 33.3 66.7
D.C. 2.8 26.7 73.3
Fla. 4.2 35.8 64.2
Ga. 2.2 39.6 60.4
Hawaii 2.6 50.4 49.6
Idaho 3.2 36.1 63.9
Ill. 3.7 33.8 66.2
Ind. 3.0 43.2 56.8
Iowa 2.4 46.8 53.2
Kan. 1.7 28.4 71.6
Ky. 2.6 41.3 58.7
La. 7.0 34.7 65.3
Maine 2.0 57.0 43.0
Md. 2.3 29.6 70.4
Mass. 2.6 78.7 21.3
Mich. 2.3 37.1 62.9
Minn. 3.0 37.8 62.2
Miss. 3.1 37.4 62.6
Mo. 2.1 29.8 70.2
Mont. 3.2 40.3 59.7
Neb. 2.0 37.8 62.2
Nev. 4.3 29.7 70.3
N.H. 1.5 46.4 53.6
N.J. 6.5 39.8 60.2
N.M. 2.9 30.0 70.0
N.Y. 6.1 45.4 54.6
N.C. 1.5 30.2 69.8
N.D. 2.2 50.0 50.0
Ohio 2.5 52.9 47.1
Okla. 2.7 32.3 67.7
Ore. 2.7 37.4 62.6
Pa. 3.3 48.3 51.7
R.I. 2.7 42.7 57.3
S.C. 2.4 29.6 70.4
S.D. 2.0 52.1 47.9
Tenn. 3.0 34.2 65.8
Texas 3.3 32.3 67.7
Utah 2.2 30.3 69.7
Vt. 2.6 52.8 47.2
Va. 2.3 29.4 70.6
Wash. 3.3 37.5 62.5
W. Va. 3.7 30.9 69.1
Wis. 3.1 45.0 55.0
Wyo. 2.1 34.9 65.1
U.S. Total 3.5 39.0 61.0
%
Market
State Leading Writer Share
Ala. State Farm Group 20.2
Alaska Allstate Ins Group 24.3
Ariz. Zurich/Farmers Group 15.2
Ark. State Farm Group 20.1
Calif Zurich/Farmers Group 12.1
Colo. State Farm Group 20.0
Conn. Allstate Insurance Group 12.4
Del. Nationwide Group 21.4
D.C. Berkshire Hathaway 26.8
Fla. State Farm Group 18.9
Ga. State Farm Group 21.6
Hawaii State Farm Group 16.7
Idaho State Farm Group 13.9
Ill. State Farm Group 25.5
Ind. State Farm Group 18.8
Iowa State Farm Group 15.8
Kan. State Farm Group 17.9
Ky. Kentucky F B Group 16.9
La. State Farm Group 29.3
Maine CGU Group 14.1
Md. State Farm Group 16.3
Mass. Commerce Group Inc 20.3
Mich. Auto Club Group 17.7
Minn. State Farm Group 19.3
Miss. State Farm Group 22.5
Mo. State Farm Group 19.2
Mont. State Farm Group 19.1
Neb. State Farm Group 19.7
Nev. Zurich/Farmers Group 15.1
N.H. Liberty Mut Ins Cos 11.4
N.J. State Farm Group 14.7
N.M. State Farm Group 19.2
N.Y. Allstate Insurance Group 16.0
N.C. Nationwide Group 17.2
N.D. State Farm Group 12.3
Ohio State Farm Group 16.0
Okla. Zurich/Farmers Group 19.0
Ore. State Farm Group 17.6
Pa. State Farm Group 15.5
R.I. MetLife Auto&Home Group 10.0
S.C. State Farm Group 25.4
S.D. State Farm Group 14.1
Tenn. State Farm Group 19.2
Texas State Farm Group 19.6
Utah State Farm Group 16.7
Vt. Allstate Insurance Group 11.6
Va. State Farm Group 15.2
Wash. Zurich/Farmers Group 14.4
W. Va. State Farm Group 27.5
Wis. Amer Family Ins Grp 22.0
Wyo. State Farm Group 20.8
U.S. Total State Farm Group 15.8
%
Market
State Second Leader Share
Ala. Alfa Insurance Group 15.6
Alaska State Farm Group 22.3
Ariz. State Farm Group 14.9
Ark. Southern F B Group 14.7
Calif State Farm Group 11.4
Colo. Zurich/Farmers Group 15.1
Conn. Travelers/CitigrpCo 7.8
Del. State Farm Group 18.9
D.C. State Farm Group 18.2
Fla. Allstate Insurance Group 15.3
Ga. Allstate Insurance Group 11.1
Hawaii Amer Intern Group Inc 15.1
Idaho Zurich/Farmers Group 13.8
Ill. Allstate Insurance Group 10.0
Ind. United F B of Ind Group 8.0
Iowa Nationwide Group 9.7
Kan. Zurich/Farmers Group 13.0
Ky. State Farm Group 15.4
La. Allstate Insurance Group 14.1
Maine State Farm Group 9.9
Md. Allstate Insurance Group 15.1
Mass. Arbella Insurance Group 12.7
Mich. State Farm Group 14.8
Minn. Zurich/Farmers Group 11.5
Miss. Southern F B Group 12.6
Mo. Amer Family Insurance Group 15.1
Mont. Zurich/Farmers Group 13.8
Neb. Amer Family Insurance Group 8.7
Nev. State Farm Group 14.5
N.H. State Farm Group 10.2
N.J. New Jersey Mfrs Group 10.6
N.M. Zurich/Farmers Group 15.5
N.Y. Berkshire Hathaway 10.1
N.C. State Farm Group 11.4
N.D. Amer Family Insurance Group 10.6
Ohio Nationwide Group 10.9
Okla. State Farm Group 17.5
Ore. Zurich/Farmers Group 16.9
Pa. Erie Insurance Group 12.8
R.I. Allstate Insurance Group 9.5
S.C. Allstate Insurance Group 14.8
S.D. Amer Family Ins Group 11.5
Tenn. Tennessee Frmrs Cos 15.0
Texas Allstate Insurance Group 14.7
Utah Zurich/Farmers Group 16.3
Vt. State Farm Group 7.9
Va. Allstate Ins Group 12.0
Wash. State Farm Group 12.8
W. Va. Nationwide Group 19.1
Wis. State Farm Group 10.3
Wyo. Zurich/Farmers Group 13.1
U.S. Total Allstate Insurance Group 10.4
(1)ALR: Adjusted loss ratio is direct lossess incurred divided by
the differences between direct premiums earned and dividends paid
to policyholders.
(2)DDCCE: Direct defense and cost-containment expense ratio is the
former allocated loss adjustment expense (ALAE) ratio.
(3)Insurers that distribute primarily through independent agents.
(4)Insurers that distribute primarily through a direct-selling system
or an exclusive agency system.
For more information about custom data, call (908) 439-2200, ext. 5383.
Source: A.M. Best Statement and Competitive Analysis Report Products
Private-Passenger Auto, Top Writers By State-2000
($ Thousands)
% Of %
No. Of Direct U.S. Prem.
State Rank Cos. Premiums Total Chg. ALR [1]
Ala. 25 292 $1,763,677 1.5 9.4 64.8
Alaska 47 136 255,512 0.2 2.7 75.3
Ariz. 17 340 2,323,813 1.9 2.7 69.7
Ark. 31 281 1,060,097 0.9 -0.9 72.2
Calif 1 391 13,525,525 11.2 1.4 70.8
Colo. 20 310 2,254,689 1.9 3.3 71.0
Conn. 23 259 1,909,753 1.6 0.9 64.4
Del. 44 217 435,223 0.4 3.1 74.8
D.C. 51 184 195,157 0.2 2.6 64.9
Fla. 4 408 7,547,450 6.3 2.2 79.3
Ga. 10 379 3,744,191 3.1 2.7 64.1
Hawaii 43 121 455,401 0.4 -2.8 52.7
Idaho 42 233 455,831 0.4 2.0 70.1
Ill. 7 436 4,615,872 3.8 0.3 72.2
Ind. 16 404 2,350,777 2.0 0.7 71.6
Iowa 32 305 1,031,656 0.9 1.3 67.8
Kan. 30 293 1,113,343 0.9 2.6 67.8
Ky. 27 323 1,638,529 1.4 0.5 73.4
La. 22 312 2,017,611 1.7 -1.2 84.4
Maine 41 193 474,161 0.4 1.1 63.8
Md. 15 289 2,622,204 2.2 2.7 72.0
Mass. 11 165 3,720,920 3.1 13.3 65.3
Mich. 8 268 4,590,144 3.8 -0.5 84.0
Minn. 18 315 2,312,882 1.9 2.4 70.4
Miss. 34 284 967,971 0.8 2.1 70.1
Mo. 19 364 2,264,582 1.9 0.6 67.3
Mont. 45 213 337,452 0.3 3.6 77.3
Neb. 38 273 669,305 0.6 -0.2 68.6
Nev. 33 241 1,020,459 0.8 0.2 67.4
N.H. 39 203 547,605 0.5 1.7 65.8
N.J. 6 251 4,864,368 4.0 -0.6 72.4
N.M. 37 235 725,795 0.6 -2.6 63.0
N.Y. 3 360 8,175,222 6.8 0.1 78.7
N.C. 12 270 3,247,494 2.7 -2.1 69.2
N.D. 49 221 241,487 0.2 0.2 78.7
Ohio 9 407 4,337,941 3.6 0.5 67.0
Okla. 29 291 1,361,994 1.1 2.1 69.4
Ore. 28 283 1,464,223 1.2 -1.5 68.3
Pa. 5 378 5,341,078 4.4 -1.1 71.7
R.I. 40 217 527,235 0.4 2.1 68.4
S.C. 26 258 1,689,227 1.4 4.4 78.8
S.D. 46 231 270,033 0.2 -0.8 68.2
Tenn. 21 365 2,076,894 1.7 1.0 69.3
Texas 2 405 8,413,277 7.0 0.9 76.6
Utah 35 263 825,719 0.7 0.0 69.7
Vt. 48 199 244,474 0.2 3.0 66.9
Va. 13 341 2,935,575 2.4 5.3 66.7
Wash. 14 298 2,674,107 2.2 0.9 71.2
W.Va. 36 225 809,356 0.7 0.2 73.1
Wis. 24 364 1,885,513 1.6 0.4 76.6
Wyo. 50 180 195,540 0.2 -1.5 69.6
U.S. Total 1,305 $120,528,341 100.0 1.4 72.3
Market Share
Agency Direct
State DDCCE [2] Writer [3] Writer [4]
Ala. 2.2 28.6 71.4
Alaska 3.2 19.8 80.2
Ariz. 2.2 24.5 75.5
Ark. 1.6 22.6 77.4
Calif 3.9 32.8 67.2
Colo. 2.4 22.8 77.2
Conn. 3.4 45.4 54.6
Del. 3.0 26.1 73.9
D.C. 3.2 18.9 81.1
Fla. 3.9 31.0 69.0
Ga. 1.8 34.8 65.2
Hawaii 2.5 43.4 56.6
Idaho 2.8 25.7 74.3
Ill. 3.2 25.1 74.9
Ind. 2.8 37.0 63.0
Iowa 2.0 39.4 60.6
Kan. 1.5 21.0 79.0
Ky. 2.2 35.5 64.5
La. 6.1 27.8 72.2
Maine 1.7 53.1 46.9
Md. 2.1 23.9 76.1
Mass. 2.4 76.8 23.2
Mich. 2.2 31.8 68.2
Minn. 2.9 31.6 68.4
Miss. 2.3 29.6 70.4
Mo. 1.7 23.4 76.6
Mont. 3.0 29.4 70.6
Neb. 1.5 28.6 71.4
Nev. 3.7 24.2 75.8
N.H. 1.5 42.1 57.9
N.J. 6.6 33.2 66.8
N.M. 2.5 23.5 76.5
N.Y. 5.6 39.4 60.6
N.C. 1.2 22.9 77.1
N.D. 1.9 42.0 58.0
Ohio 2.0 48.4 51.6
Okla. 2.1 24.8 75.2
Ore. 2.4 31.4 68.6
Pa. 3.0 43.5 56.5
R.I. 2.3 37.8 62.2
S.C. 2.1 23.2 76.8
S.D. 2.0 44.9 55.1
Tenn. 2.3 26.1 73.9
Texas 2.5 25.8 74.2
Utah 2.2 23.0 77.0
Vt. 2.2 50.0 50.0
Va. 2.0 23.5 76.5
Wash. 3.2 32.4 67.6
W.Va. 3.7 24.4 75.6
Wis. 2.6 39.3 60.7
Wyo. 1.9 24.7 75.3
U.S. Total 3.1 33.1 66.9
%
Market
State Leading Writer Share
Ala. State Farm Group 23.2
Alaska Allstate Insurance Group 27.4
Ariz. State Farm Group 16.3
Ark. State Farm Group 23.1
Calif State Farm Group 12.6
Colo. State Farm Group 22.3
Conn. Allstate Insurance Group 13.9
Del. Nationwide Group 24.2
D.C. Berkshire Hathaway 30.5
Fla. State Farm Group 21.4
Ga. State Farm Group 24.5
Hawaii State Farm Group 19.2
Idaho State Farm Group 16.4
Ill. State Farm Group 29.8
Ind. State Farm Group 22.0
Iowa State Farm Group 18.9
Kan. State Farm Group 20.4
Ky. Kentucky F B Group 19.5
La. State Farm Group 33.8
Maine CGU Group 12.3
Md. State Farm Group 18.2
Mass. Commerce Group Inc 22.2
Mich. Auto Club Group 20.3
Minn. State Farm Group 21.6
Miss. State Farm Group 26.9
Mo. State Farm Group 21.8
Mont. State Farm Group 23.4
Neb. State Farm Group 23.8
Nev. State Farm Group 15.9
N.H. State Farm Group 11.5
N.J. State Farm Group 17.2
N.M. State Farm Group 21.7
N.Y. Allstate Insurance Group 18.2
N.C. Nationwide Group 19.6
N.D. State Farm Group 14.6
Ohio State Farm Group 18.3
Okla. Zurich/Farmers Group 21.1
Ore. State Farm Group 19.7
Pa. State Farm Group 17.7
R.I. MetLife Auto&Home Group 11.3
S.C. State Farm Group 28.9
S.D. State Farm Group 17.1
Tenn. State Farm Group 22.7
Texas State Farm Group 22.2
Utah State Farm Group 19.0
Vt. Allstate Insurance Group 13.4
Va. State Farm Group 17.0
Wash. Zurich/Farmers Group 14.9
W.Va. State Farm Group 31.0
Wis. Amer Family Ins Group 26.4
Wyo. State Farm Group 24.4
U.S. Total State Farm Group 17.9
%
Market
State Second Leader Share
Ala. Alfa Insurance Group 18.6
Alaska State Farm Group 24.4
Ariz. Zurich/Farmers Group 15.6
Ark. Southern F B Group 16.8
Calif Zurich/Farmers Group 12.5
Colo. Zurich/Farmers Group 15.9
Conn. Berkshire Hathaway 8.2
Del. State Farm Group 21.9
D.C. State Farm Group 20.6
Fla. Allstate Insurance Group 16.8
Ga. Allstate Insurance Group 12.5
Hawaii Amer Intern Group Inc 16.4
Idaho Zurich/Farmers Group 15.9
Ill. Allstate Insurance Group 11.8
Ind. United F B of Ind Group 9.2
Iowa Nationwide Group 10.9
Kan. Amer Family Insurance Group 14.5
Ky. State Farm Group 17.7
La. Allstate Insurance Group 16.2
Maine State Farm Group 11.5
Md. Allstate Insurance Group 16.9
Mass. Arbella Insurance Group 12.0
Mich. State Farm Group 16.4
Minn. Amer Family Ins Group 13.4
Miss. Southern F B Group 15.2
Mo. Amer Family Insurance Group 17.6
Mont. Zurich/Farmers Group 16.7
Neb. Amer Family Insurance Group 10.7
Nev. Allstate Insurance Group 15.7
N.H. Liberty Mut Insurance Cos 11.1
N.J. New Jersey Mfrs Group 11.6
N.M. Zurich/Farmers Group 16.9
N.Y. Berkshire Hathaway 11.9
N.C. State Farm Group 13.0
N.D. Amer Family Ins Group 13.2
Ohio Nationwide Group 12.2
Okla. State Farm Group 20.0
Ore. Zurich/Farmers Group 17.9
Pa. Allstate Insurance Group 14.7
R.I. Allstate Insurance Group 10.6
S.C. Allstate Insurance Group 17.1
S.D. Amer Family Ins Group 14.5
Tenn. Tennessee Farmers Cos 17.9
Texas Allstate Insurance Group 16.6
Utah Allstate Insurance Group 18.7
Vt. State Farm Group 9.0
Va. Allstate Insurance Group 13.5
Wash. State Farm Group 14.1
W.Va. Nationwide Group 20.5
Wis. State Farm Group 12.0
Wyo. Zurich/Farmers Group 15.1
U.S. Total Allstate Insurance Group 11.8
(1)ALR: Adjusted loss ratio is direct losses incurred divided by
the difference between direct premiums earned and dividends paid
to policyholders.
(2)DDCCE: Direct defense and cost containment expense ratio is the
former allocated loss adjustment expense (ALAE) ratio.
(3)Insurers that distribute primarily through independent agents.
(4)Insurers that distribute primarily through a direct-selling
system or an exclusive agency system.
For more information about custom data, call (908) 439-2200, ext.
5383.
Source: A.M. Best Statement and Competitive Analysis Report Products
Total Commercial Auto, Top Writers By State--2000
% of %
No. of Direct U.S. Prem.
State Rank Cos. Premiums Total Chq. ALR [1]
Ala. 23 389 $337,353 1.6 7.2 83.8
Alaska 50 249 44,389 0.2 10.3 48.8
Ariz. 24 402 306,601 1.5 7.5 80.4
Ark. 33 383 207,013 1.0 5.4 91.0
Calif. 1 436 2,006,721 9.7 9.0 66.0
Colo. 22 382 343,664 1.7 18.0 68.4
Conn. 27 344 287,310 1.4 4.6 74.8
Del. 43 315 79,765 0.4 13.7 68.5
D.C. 51 266 27,742 0.1 -6.9 52.9
Fla. 4 457 1,217,380 5.9 5.8 82.2
Ga. 11 450 613,595 3.0 7.9 79.9
Hawaii 45 204 75,851 0.4 -7.8 37.7
Idaho 39 339 115,948 0.6 12.7 72.5
III. 5 488 925,330 4.5 12.6 77.2
Ind. 13 470 480,755 2.3 7.5 78.5
Iowa 28 394 256,304 1.2 10.3 74.4
Kan. 32 379 213,742 1.0 8.3 69.7
Ky. 25 402 290,558 1.4 10.3 81.9
La. 19 389 373,340 1.8 6.0 90.4
Maine 41 254 96,074 0.5 9.8 74.1
Md. 21 400 368,913 1.8 11.8 70.4
Mass. 12 283 569,081 2.7 3.7 73.6
Mich. 9 405 673,126 3.2 8.9 73.1
Minn 18 389 402,642 1.9 11.2 73.7
Miss. 31 389 222,658 1.1 7.2 87.5
Mo. 16 428 413,737 2.0 11.0 77.4
Mont. 40 317 99,663 0.5 13.8 74.6
Neb. 34 356 167,490 0.8 9.1 76.4
Nev. 36 344 137,454 0.7 16.9 87.3
N.H. 42 264 95,245 0.5 11.9 66.8
N.J. 7 357 902,038 4.4 7.6 74.3
N.M. 38 336 122,617 0.6 11.1 62.9
N.Y. 2 404 1,507,371 7.3 4.9 90.2
N.C. 10 397 619,097 3.0 10.2 65.7
N.D. 47 311 63,213 0.3 7.2 80.5
Ohio 8 477 768,100 3.7 8.6 108.1
Okla. 29 395 253,485 1.2 8.1 81.1
Ore. 30 373 252,565 1.2 14.0 71.1
Pa. 6 470 919,651 4.4 6.2 81.5
R.I. 46 292 72,311 0.3 9.4 63.6
S.C. 26 381 287,697 1.4 9.2 84.7
S.D. 44 332 79,030 0.4 14.7 58.8
Tenn. 14 449 450,672 2.2 7.8 76.3
Texas 3 508 1,377,852 6.7 5.7 84.5
Utah 35 353 154,200 0.7 11.6 72.0
Vt. 49 259 45,206 0.2 7.2 62.9
Va. 15 417 436,374 2.1 11.0 77.2
Wash. 20 374 370,368 1.8 11.7 74.7
W.Va. 37 322 129,732 0.6 7.6 74.4
Wis. 17 432 404,469 2.0 5.4 75.4
Wyo. 48 278 49,919 0.2 17.0 77.6
U.S. Total 1,166 $20,715,413 100.0 8.2 78.2
Market Share
Agency Direct
State DDCCE [2] Writer [3] Writer [4]
Ala. 7.2 69.5 30.5
Alaska 5.3 55.9 44.1
Ariz. 5.9 68.3 31.7
Ark. 4.1 66.8 33.2
Calif. 7.1 68.5 31.5
Colo. 3.2 67.6 32.4
Conn. 4.1 74.2 25.8
Del. 3.8 72.8 27.2
D.C. 0.3 81.8 18.2
Fla. 6.5 65.7 34.3
Ga. 4.6 69.3 30.7
Hawaii 3.3 92.3 7.7
Idaho 4.8 76.9 23.1
III. 6.1 76.8 23.2
Ind. 4.0 73.6 26.4
Iowa 4.2 76.7 23.3
Kan. 2.9 67.1 32.9
Ky. 5.2 73.7 26.3
La. 11.6 72.0 28.0
Maine 3.3 76.5 23.5
Md. 3.5 70.5 29.5
Mass. 4.0 90.9 9.1
Mich. 2.8 72.9 27.1
Minn 3.6 73.9 26.1
Miss. 6.9 71.0 29.0
Mo. 4.2 64.4 35.6
Mont. 3.9 77.0 23.0
Neb. 4.1 74.7 25.3
Nev. 9.7 70.1 29.9
N.H. 1.8 70.8 29.2
N.J. 5.9 75.5 24.5
N.M. 4.9 68.6 31.4
N.Y. 9.1 78.5 21.5
N.C. 2.8 68.8 31.2
N.D. 3.6 80.3 19.7
Ohio 5.4 78.2 21.8
Okla. 6.4 72.0 28.0
Ore. 4.4 72.2 27.8
Pa. 4.5 75.8 24.2
R.I. 5.3 79.0 21.0
S.C. 3.7 67.5 32.5
S.D. 1.9 77.1 22.9
Tenn. 6.3 71.7 28.3
Texas 8.3 72.4 27.6
Utah 2.2 69.4 30.6
Vt. 4.6 67.9 32.1
Va. 4.6 69.1 30.9
Wash. 4.7 74.2 25.8
W.Va. 3.6 71.5 28.5
Wis. 5.2 71.9 28.1
Wyo. 2.7 74.7 25.3
U.S. Total 5.7 72.7 27.3
%
Market
State Leading Writer Share
Ala. Zurich/Farmers Group 7.0
Alaska Alaska Nat Ins Co 13.2
Ariz. Zurich/Farmers Group 12.7
Ark. Travelers/Citigrp Co 7.0
Calif. Zurich/Farmers Group 9.3
Colo. Zurich/Farmers Group 9.6
Conn. Travelers/Citigrp Co 11.1
Del. Travelers/Citigrp Co 11.2
D.C. Travelers/Citigrp Co 11.9
Fla. Zurich/Farmers Group 8.2
Ga. Zurich/Farmers Group 7.3
Hawaii CNA Insurance Cos 26.0
Idaho Travelers/Citigrp Co 9.0
III. Travelers/Citigrp Co 6.0
Ind. Liberty Mut Ins Cos 9.0
Iowa Old Republic Gen Group 9.3
Kan. Old Republic Gen Group 7.1
Ky. CNA Ins Cos 5.4
La. HDI U S Group 9.9
Maine CGU Group 23.0
Md. Erie Insurance Group 6.4
Mass. Arbella Insurance Group 17.1
Mich. Auto-Owners Group 12.2
Minn Old Republic Gen Group 11.3
Miss. St Paul Cos 11.5
Mo. Zurich/Farmers Group 10.2
Mont. Travelers/Citigrp Co 11.2
Neb. Old Republic Gen Group 14.4
Nev. Zurich/Farmers Group 13.5
N.H. Liberty Mut Ins Cos 13.4
N.J. Selective Ins Group Inc 7.2
N.M. CNA Insurance Cos 9.2
N.Y. Travelers/Citigrp Co 8.0
N.C. Travelers/Citigrp Co 8.2
N.D. Old Republic Gen Group 19.1
Ohio Cincinnati Insurance Cos 8.8
Okla. Nat Amer Insurance Co (OK) 7.6
Ore. Zurich/Farmers Group 11.4
Pa. Erie Insurance Group 8.5
R.I. Travelers/Citigrp Co 11.8
S.C. Zurich/Farmers Group 7.2
S.D. Old Republic Gen Group 15.0
Tenn. Liberty Mut Ins Cos 8.3
Texas Zurich/Farmers Group 8.6
Utah Zurich/Farmers Group 11.0
Vt. Liberty Mut Ins Cos 11.8
Va. Liberty Mut Ins Cos 6.7
Wash. Safeco Insurance Cos 14.5
W.Va. Nationwide Group 11.0
Wis. Winterthur Swiss Group 8.5
Wyo. Old Republic Gen Group 13.1
U.S. Total Zurich/Farmers Group 6.5
%
Market
State Second Leader Share
Ala. Auto-Owners Group 6.6
Alaska Zurich/Farmers Group 11.4
Ariz. Auto-Owners Group 6.6
Ark. St Paul Cos 5.9
Calif. Liberty Mut Ins Cos 5.5
Colo. Travelers/Citigrp Co 9.6
Conn. Hartford Insurance Group 9.6
Del. Nationwide Group 6.0
D.C. Hartford Insurance Group 10.7
Fla. Auto-Owners Group 6.3
Ga. Travelers/Citigrp Co 6.5
Hawaii Fairfax Fin (US) Group 22.8
Idaho Safeco Insurance Cos 8.6
III. Zurich/Farmers Group 4.7
Ind. Auto-Owners Group 6.0
Iowa Traveles/Citigrp Co 7.5
Kan. EMC Insrance Cos 5.8
Ky. Liberty Mut Ins Cos 4.9
La. CNA Ins Cos 7.8
Maine Allmerica P & Cos 12.4
Md. Zurich/Farmers Group 6.1
Mass. Travelers/Citigrp Co 11.8
Mich. Allmerica P & C Cos 9.9
Minn Auto-Owners Group 8.2
Miss. Zurich/Farmers Group 8.8
Mo. Travelers/Citigrp Co 7.2
Mont. Safeco Insurance Cos 8.0
Neb. Travelers/Citigrp Co 8.0
Nev. CGU Group 9.3
N.H. W R Berkely Group 10.2
N.J. Zurich/Farmers Group 5.7
N.M. Zurich/Farmers Group 7.4
N.Y. CNA Insurance Cos 7.4
N.C. Zurich/Farmers Group 5.4
N.D. Travelers/Citigrp Co 8.1
Ohio Westfield Group 7.0
Okla. Zurich/Farmers Group 7.4
Ore. Safeco Insurance Cos 10.3
Pa. Zurich/Farmers Group 6.6
R.I. CGU Group 7.1
S.C. Auto-Owners Group 6.7
S.D. CGU Group 10.4
Tenn. CNA Insurance Cos 5.8
Texas State National Cos 5.6
Utah CGU Group 8.0
Vt. W R Berkley Group 8.8
Va. Travelers/Citigrp Co 6.4
Wash. Zurich/Farmers Group 11.0
W.Va. St Paul Cos 8.6
Wis. Old Republic Gen Group 6.7
Wyo. CGU Group 10.0
U.S. Total Travelers/Citigrp Co 6.0
(1)ALR: Adjusted loss ratio is direct losses incurred divided by
the difference between direct premiums earned and dividends paid
to policyholders.
(2)DDCCE: Direct defense and cost containment expense ratio is the
former allocated loss adjustment expense (ALAE) ratio.
(3)Insurers that distribute primarily through independent agents.
(4)Insurers that distribute primarily through a direct-selling
system or an exclusive agency system. For more information about
custom data, call (908) 439-2200, ext. 5383.
Source: A.M. Best Statement and Competitive Analysis Report Products
Auto Liability, Top Writers By State-2000
($ Thousands)
% of %
No. of Direct U.S. Prem.
State Rank Cos. Premiums Total Chg. ALR [1]
Ala. 27 474 $1,162,049 1.4 13.4 71.9
Alaska 47 282 181,786 0.2 3.6 80.4
Ariz. 18 523 1,533,066 1.8 0.6 70.1
Ark. 31 463 725,883 0.9 -0.5 78.3
Calif. 1 533 9,370,626 11.1 0.5 70.1
Colo. 19 476 1,517,812 1.8 3.9 77.2
Conn. 22 408 1,421,725 1.7 0.3 67.9
Del. 42 372 345,412 0.4 2.4 77.8
D.C. 50 317 128,333 0.2 -2.5 64.8
Fla. 3 589 5,870,146 7.0 2.6 84.3
Ga. 10 575 2,296,429 2.7 2.5 75.5
Hawaii 40 228 386,466 0.5 -4.8 47.0
Idaho 44 402 326,415 0.4 3.5 77.8
III. 7 617 3,090,381 3.7 0.6 71.0
Ind. 16 595 1,631,572 1.9 0.7 71.8
Iowa 32 491 706,255 0.8 0.9 66.3
Kan. 33 465 665,968 0.8 2.4 73.0
Ky. 25 499 1,232,749 1.5 1.2 78.6
La. 21 483 1,448,338 1.7 -2.2 83.9
Maine 43 300 331,852 0.4 -0.5 68.9
Md. 15 475 1,845,920 2.2 2.0 72.3
Mass. 9 313 2,777,567 3.3 12.6 64.0
Mich. 11 452 2,232,533 2.6 -0.3 96.0
Minn. 17 471 1,614,054 1.9 0.8 65.8
Miss. 34 481 638,002 0.8 4.1 81.8
Mo. 20 540 1,504,366 1.8 1.6 72.4
Mont. 45 376 242,277 0.3 5.2 83.8
Neb. 38 443 444,853 0.5 -0.6 74.1
Nev. 30 422 755,405 0.9 -0.3 73.4
N.H. 41 300 370,399 0.4 1.7 68.4
N.J. 6 404 3,641,850 4.3 -2.2 87.6
N.M. 37 397 507,999 0.6 -1.8 67.8
N.Y. 2 490 6,576,380 7.8 0.5 91.0
N.C. 12 447 2,219,718 2.6 -3.0 73.0
N.D. 49 385 152,532 0.2 0.1 61.1
Ohio 8 601 3,071,066 3.6 1.2 75.6
Okla. 29 473 929,788 1.1 2.2 76.6
Ore. 28 463 1,063,032 1.3 0.4 72.9
Pa. 5 562 3,854,682 4.6 -0.8 76.9
R.I. 39 349 400,495 0.5 0.1 72.6
S.C. 26 445 1,177,907 1.4 5.5 80.4
S.D. 46 407 186,890 0.2 0.1 66.4
Tenn. 23 560 1,398,536 1.7 1.7 74.5
Texas 4 586 5,798,359 6.9 -0.5 75.3
Utah 36 437 569,455 0.7 0.5 75.3
Vt. 48 303 155,589 0.2 2.1 70.1
Va. 13 512 2,054,969 2.4 4.4 67.7
Wash. 14 470 1,890,312 2.2 -0.1 75.8
W.Va. 35 382 572,255 0.7 -1.2 78.4
Wis. 24 545 1,280,049 1.5 -0.9 67.9
Wyo. 51 329 124,005 0.1 1.1 81 8
U.S. Total 1521 $84,424,508 100.0 1.1 76.3
Market Share
Agency Direct
State DDCCE [2] Writer [3] Writer [4]
Ala. 4.9 37.2 62.8
Alaska 5.5 27.8 72.2
Ariz. 4.1 31.8 68.2
Ark. 3.2 32.4 67.6
Calif. 6.4 39.4 60.6
Colo. 4.0 31.3 68.7
Conn. 5.1 50.5 49.5
Del. 4.4 34.5 65.5
D.C. 4.5 31.0 69.0
Fla. 6.0 37.0 63.0
Ga. 3.8 43.8 56.2
Hawaii 3.3 51.8 48.2
Idaho 5.1 37.5 62.5
III. 6.1 37.1 62.9
Ind. 4.8 45.0 55.0
Iowa 3.9 49.2 50.8
Kan. 3.1 31.3 68.7
Ky. 3.8 42.2 57.8
La. 10.9 37.5 62.5
Maine 3.0 59.4 40.6
Md. 3.5 31.7 68.3
Mass. 3.5 79.4 20.6
Mich. 4.9 39.5 60.5
Minn. 4.6 39.9 60.1
Miss. 5.3 39.6 60.4
Mo. 3.4 32.0 68.0
Mont. 5.4 41.8 58.2
Neb. 3.5 40.2 59.8
Nev. 6.2 31.0 69.0
N.H. 2.2 47.8 52.2
N.J. 10.0 41.3 58.7
N.M. 4.5 30.3 69.7
N.Y. 8.8 47.3 52.7
N.C. 2.4 31.5 68.5
N.D. 4.0 52.8 47.2
Ohio 3.8 53.7 46.3
Okla. 4.4 34.1 65.9
Ore. 4.0 39.3 60.7
Pa. 4.9 49.1 50.9
R.I. 3.7 44.9 55.1
S.C. 3.6 31.0 69.0
S.D. 3.4 54.1 45.9
Tenn. 5.1 36.2 63.8
Texas 4.7 34.0 66.0
Utah 3.6 32.8 67.2
Vt. 4.3 54.0 46.0
Va. 3.6 31.1 68.9
Wash. 5.1 39.1 60.9
W.Va. 5.7 32.6 67.4
Wis. 5.0 47.1 52.9
Wyo. 3.7 37.8 62.2
U.S. Total 5.4 41.0 59.0
%
Market
State Leading Writer Share Second Leader
Ala. State Farm Group 19.1 Alfa Insurance Group
Alaska Allstate Insurance Group 22.8 State Farm Group
Ariz. Zurich/Farmers Group 14.9 State Farm Group
Ark. State Farm Group 18.6 Southern F B Group
Calif. Zurich/Farmers Group 12.0 State Farm Group
Colo. State Farm Group 17.7 Zurich/Farmers Group
Conn. Allstate Insurance Group 11.4 Travelers/Citigrp Co
Del. Nationwide Group 22.0 State Farm Group
D.C. Berkshire Hathaway 24.6 State Farm Group
Fla. State Farm Group 18.9 Allstate Insurance Group
Ga. State Farm Group 18.9 Allstate Insurance Group
Hawaii State Farm Group 16.9 Amer Intern Group Inc
Idaho State Farm Group 13.8 Zurich/Farmers Group
III. State Farm Group 24.0 Allstate Insurance Group
Ind. State Farm Group 17.8 United F B of Ind Group
Iowa State Farm Group 14.3 Nationwide Group
Kan. State Farm Group 16.6 Zurich/Farmers Group
Ky. Kentucky F B Group 16.5 State Farm Group
La. State Farm Group 28.0 Allstate Insurance Group
Maine CGU Group 13.9 State Farm Group
Md. State Farm Group 15.2 Allstate Insurance Group
Mass. Commerce Group Inc 19.9 Arbella Insurance Group
Mich. Auto Club Group 16.6 State Farm Group
Minn. State Farm Group 18.3 Amer Family Ins Group
Miss. State Farm Group 21.1 Southern F B Group
Mo. State Farm Group 17.7 Amer Family Ins Group
Mont. State Farm Group 18.8 Zurich/Farmers Group
Neb. State Farm Group 18.4 Amer Family Ins Group
Nev. Zurich/Farmers Group 15.5 State Farm Group
N.H. Liberty Mut Ins Cos 11.6 State Farm Group
N.J. State Farm Group 13.5 New Jersey Mfrs Group
N.M. State Farm Group 19.3 Zurich/Farmers Group
N.Y. Allstate Insurance Group 15.3 State Farm Group
N.C. Nationwide Group 16.9 State Farm Group
N.D. State Farm Group 11.2 Amer Family Ins Group
Ohio State Farm Group 14.9 Nationwide Group
Okla. Zurich/Farmers Group 19.1 State Farm Group
Ore. Zurich/Farmers Group 16.9 State Farm Group
Pa. State Farm Group 15.3 Erie Ins Group
R.I. MetLife Auto&Home Gr 9.3 Nationwide Group
S.C. State Farm Group 24.4 Allstate Insurance Group
S.D. State Farm Group 13.5 Amer Family Ins Group
Tenn. State Farm Group 18.5 Tennessee Farmers Cos
Texas State Farm Group 18.9 Allstate Ins Group
Utah Zurich/Farmers Group 16.1 State Farm Group
Vt. Allstate Insurance Group 10.6 Concord Group Ins Cos
Va. State Farm Group 14.4 Nationwide Group
Wash. Zurich/Farmers Group 14.8 State Farm Group
W.Va. State Farm Group 25.0 Nationwide Group
Wis. Amer Family Ins Group 20.3 State Farm Group
Wyo. State Farm Group 20.1 Zurich/Farmers Group
U.S. Total State Farm Group 14.9 Allstate Ins Group
%
Market
State Share
Ala. 14.8
Alaska 21.6
Ariz. 14.8
Ark. 12.4
Calif. 11.5
Colo. 14.6
Conn. 7.9
Del. 17.8
D.C. 17.7
Fla. 14.1
Ga. 9.6
Hawaii 14.7
Idaho 13.5
III. 8.7
Ind. 7.7
Iowa 9.7
Kan. 13.0
Ky. 15.3
La. 12.5
Maine 9.4
Md. 13.8
Mass. 13.1
Mich. 13.1
Minn. 11.3
Miss. 11.8
Mo. 14.1
Mont. 14.3
Neb. 8.3
Nev. 14.6
N.H. 10.6
N.J. 11.3
N.M. 15.6
N.Y. 10.0
N.C. 10.5
N.D. 9.9
Ohio 11.9
Okla. 17.2
Ore. 16.4
Pa. 12.1
R.I. 9.3
S.C. 13.6
S.D. 10.8
Tenn. 13.6
Texas 14.3
Utah 15.9
Vt. 8.3
Va. 12.1
Wash. 12.3
W.Va. 20.1
Wis. 9.6
Wyo. 12.9
U.S. Total 9.8
(1)ALR: Adjusted loss ratio is direct losses incurred divided by the
difference between direct premiums earned and dividends paid to
policyholders.
(2)DDCCE: Direct defense and cost containment expense ratio is the
former allocated loss adjustment expense (ALAE) ratio.
(3)Insurers that distribute primarily through independent agents.
(4)Insurers that distribute primarily through a direct-selling system
or an exclusive agency system.
For more information about custom data,
call (908) 439-2200, ext. 5383.
Source: A.M. Best Statement and Competitive Analysis Report Products
Auto Physical Damage, Top Writers By State-2000
($ Thousands)
% of %
No. Of Direct U.S. Prem.
State Rank Cos Premiums Total Chg. ALR [1]
Ala. 24 451 $938,980 1.7 4.1 63.0
Alaska 50 252 118,115 0.2 4.0 57.9
Ariz. 20 482 1,097,348 1.9 7.0 72.1
Ark. 33 435 541,227 1.0 0.9 71.0
Calif. 1 502 6,161,620 10.8 5.3 70.3
Colo. 21 440 1,080,541 1.9 6.7 61.4
Conn. 26 359 775,338 1.4 3.6 61.9
Del. 44 339 169,576 0.3 9.4 65.5
D.C. 51 266 94,566 0.2 7.1 60.9
Fla. 5 552 2,894,683 5.1 3.0 70.3
Ga. 9 548 2,061,357 3.6 4.5 55.9
Hawaii 47 185 144,785 0.3 -0.0 60.0
Idaho 40 378 245,364 0.4 4.6 61.0
III. 6 594 2,450,822 4.3 4.3 75.5
Ind. 14 567 1,199,959 2.1 3.4 74.0
Iowa 31 451 581,705 1.0 5.6 72.5
Kan. 29 438 661,118 1.2 4.6 63.1
Ky. 27 464 696,339 1.2 3.0 67.6
La. 23 434 942,613 1.7 3.2 87.5
Maine 41 274 238,383 0.4 7.0 60.6
Md. 17 453 1,145,196 2.0 6.5 71.0
Mass. 12 265 1,512,434 2.7 10.6 71.0
Mich. 4 419 3,030,737 5.3 1.2 72.8
Minn. 19 446 1,101,471 1.9 8.1 78.5
Miss. 32 443 552,627 1.0 1.8 63.6
Mo. 15 507 1,173,953 2.1 2.7 64.3
Mont. 43 344 194,838 0.3 6.3 67.7
Neb. 36 405 391,942 0.7 4.0 65.5
Nev. 35 387 402,508 0.7 6.2 62.5
N.H. 39 279 272,451 0.5 5.0 62.5
N.J. 8 364 2,124,555 3.7 5.8 46.6
N.M. 38 373 340,414 0.6 0.8 55.9
N.Y. 3 445 3,106,213 5.5 1.3 57.9
N.C. 11 415 1,646,873 2.9 3.6 63.0
N.D. 46 340 152,168 0.3 3.1 97.2
Ohio 10 563 2,034,975 3.6 2.2 69.3
Okla. 28 446 685,691 1.2 4.0 63.8
Ore. 30 436 653,756 1.2 0.6 62.0
Pa. 7 538 2,406,047 4.2 1.1 67.2
R.I. 42 308 199,050 0.4 9.0 57.8
S.C. 25 424 799,017 1.4 4.5 78.6
S.D. 45 372 162,173 0.3 5.1 65.8
Tenn. 18 536 1,129,030 2.0 2.7 65.5
Texas 2 525 3,992,769 7.0 4.9 81.2
Utah 34 405 410,463 0.7 3.4 62.7
Vt. 48 282 134,091 0.2 5.4 62.0
Va. 13 483 1,316,980 2.3 8.7 68.6
Wash. 16 435 1,154,164 2.0 5.9 64.6
W.Va. 37 350 366,834 0.6 5.2 65.1
Wis. 22 501 1009,933 1.8 4.2 87.1
Wyo. 49 310 121,454 0.2 2.5 60.2
U.S. Total 1,481 $56,819,247 100.0 4.2 68.4
Market Share
Agency Direct
State DDCCE [2] Writer [3] Writer [4]
Ala. 0.6 32.7 67.3
Alaska 0.5 20.9 79.1
Ariz. 0.5 26.5 73.5
Ark. 0.4 26.3 73.7
Calif. 1.1 34.3 65.7
Colo. 0.4 25.0 75.0
Conn. 0.5 46.6 53.4
Del. 0.5 30.8 69.2
D.C. 0.3 20.8 79.2
Fla. 0.7 33.4 66.6
Ga. 0.4 35.0 65.0
Hawaii 0.6 46.7 53.3
Idaho 0.5 34.2 65.8
III. 0.7 29.6 70.4
Ind. 0.5 40.9 59.1
Iowa 0.5 44.0 56.0
Kan. 0.4 25.5 74.5
Ky. 0.4 39.6 60.4
La. 0.9 30.3 69.7
Maine 0.6 53.6 46.4
Md. 0.4 26.2 73.8
Mass. 0.9 77.4 22.6
Mich. 0.3 35.3 64.7
Minn. 0.5 34.8 65.2
Miss. 0.7 34.9 65.1
Mo. 0.4 26.9 73.1
Mont. 0.4 38.4 61.6
Neb. 0.3 35.2 64.8
Nev. 0.9 27.2 72.8
N.H. 0.5 44.4 55.6
N.J. 0.4 37.1 62.9
N.M. 0.4 29.7 70.3
N.Y. 0.4 41.5 58.5
N.C. 0.2 28.5 71.5
N.D. 0.4 47.2 52.8
Ohio 0.4 51.7 48.3
Okla. 0.5 29.8 70.2
Ore. 0.5 34.2 65.8
Pa. 0.5 46.9 53.1
R.I. 0.6 38.3 61.7
S.C. 0.5 27.6 72.4
S.D. 0.4 49.9 50.1
Tenn. 0.4 31.8 68.2
Texas 1.2 29.9 70.1
Utah 0.3 26.9 73.1
Vt. 0.6 51.3 48.7
Va. 0.3 26.7 73.3
Wash. 0.5 34.9 65.1
W.Va. 0.5 28.3 71.7
Wis. 0.5 42.4 57.6
Wyo. 0.4 31.9 68.1
U.S. Total 0.6 35.9 64.1
%
Market
State Leading Writer Share
Ala. State Farm Group 21.5
Alaska Allstate Insurance Group 26.5
Ariz. Zurich/Farmers Group 15.7
Ark. State Farm Group 22.0
Calif. Zurich/Farmers Group 12.2
Colo. State Farm Group 23.3
Conn. Allstate Insurance Group 14.2
Del. State Farm Group 21.1
D.C. Berkshire Hathaway 29.8
Fla. State Farm Group 19.0
Ga. State Farm Group 24.5
Hawaii Amer Intern Group Inc 16.3
Idaho Zurich/Farmers Group 14.1
III. State Farm Group 27.5
Ind. State Farm Group 20.3
Iowa State Farm Group 17.7
Kan. State Farm Group 19.3
Ky. Kentucky F B Group 17.7
La. State Farm Group 31.3
Maine CGU Group 14.3
Md. State Farm Group 18.1
Mass. Commerce Group Inc 20.9
Mich. Auto Club Group 18.5
Minn. State Farm Group 20.7
Miss. State Farm Group 24.1
Mo. State Farm Group 21.2
Mont. State Farm Group 19.6
Neb. State Farm Group 21.2
Nev. Allstate Insurance Group 17.0
N.H. Liberty Mut Ins Cos 11.1
N.J. State Farm Group 16.7
N.M. State Farm Group 19.1
N.Y. Allstate Insurance Group 17.5
N.C. Nationwide Group 17.6
N.D. State Farm Group 13.5
Ohio State Farm Group 17.7
Okla. Zurich/Farmers Group 18.7
Ore. State Farm Group 19.5
Pa. State Farm Group 15.9
R.I. MetLife Auto&Home Group 11.3
S.C. State Farm Group 26.7
S.D. State Farm Group 14.8
Tenn. State Farm Group 20.0
Texas State Farm Group 20.7
Utah Allstate Insurance Group 18.4
Vt. Allstate Insurance Group 12.7
Va. State Farm Group 16.4
Wash. State Farm Group 13.7
W.Va. State Farm Group 31.3
Wis. Amer Family Ins Group 24.1
Wyo. State Farm Group 21.4
U.S. Total State Farm Group 17.0
%
Market
State Second Leader Share
Ala. Alfa Insurance Group 16.6
Alaska State Farm Group 23.2
Ariz. State Farm Group 14.9
Ark. Southern F B Group 17.9
Calif. State Farm Group 11.3
Colo. Zurich/Farmers Group 15.8
Conn. Travelers/Citigrp Co 7.4
Del. Nationwide Group 20.0
D.C. State Farm Group 19.0
Fla. Allstate Insurance Group 17.7
Ga. Allstate Insurance Group 12.7
Hawaii State Farm Group 16.0
Idaho State Farm Group 13.9
III. Allstate Insurance Group 11.7
Ind. United F B of Ind Group 8.5
Iowa Nationwide Group 9.8
Kan. Zurich/Farmers Group 13.0
Ky. State Farm Group 15.6
La. Allstate Insurance Group 16.4
Maine Allstate Insurance Group 11.3
Md. Allstate Insurance Group 17.3
Mass. Arbella Insurance Group 12.1
Mich. State Farm Group 16.0
Minn. Zurich/Farmers Group 12.2
Miss. Southern F B Group 13.6
Mo. Amer Family Insurance Group 16.4
Mont. Zurich/Farmers Group 13.1
Neb. Amer Family Insurance Group 9.2
Nev. Zurich/Farmers Group 14.4
N.H. State Farm Group 9.6
N.J. Liberty Mut Ins Cos 10.3
N.M. Zurich/Farmers Group 15.3
N.Y. Berkshire Hathaway 11.1
N.C. State Farm Group 12.7
N.D. Amer Family Ins Group 11.3
Ohio Progressive Group 10.9
Okla. State Farm Group 17.9
Ore. Zurich/Farmers Group 17.0
Pa. Allstate Ins Group 14.3
R.I. Allstate Ins Group 11.0
S.C. Allstate Ins Group 16.6
S.D. Amer Family Ins Group 12.4
Tenn. Tennessee Farmers Cos 16.7
Texas Allstate Ins Group 15.3
Utah State Farm Group 17.7
Vt. State Farm Group 7.7
Va. Allstate Insurance Group 13.6
Wash. Zurich/Farmers Group 13.6
W.Va. Nationwide Group 17.7
Wis. State Farm Group 11.2
Wyo. Zurich/Farmers Group 13.4
U.S. Total Allstate Insurance Group 11.3
(1)ALR: Adjusted loss ratio is direct losses incurred divided by the
difference between direct premiums earned and dividends paid to
policyholders.
(2)DDCCE: Direct defense and cost containment expense ratio is the
former allocated loss adjustment expense (ALAE) ratio).
(3)Insurers that distribute primarily through independent agents.
(4)Insurers that distribute primarily through a direct-selling system
or an exclusive agency system.
Source: A.M. Best Statement not Competitive Analysis Report Products
Auto Reinsurance Assumed, Top Writers--2000
Private-Passenger Commercial
Auto Liability Auto Liability
Assumed Assumed from
Company From Nonaffiliates Nonaffiliates
GE Reinsurance Corp $241,181,953 $103,675,730
American Re-insurance Co 93,490,972 144,947,107
Transatlantic Reinsurance Co 256,397,340 22,696,392
Gerling Global Re Corp of Amer 153,245,588 33,083,552
General Reinsurance Corp 113,835,027 29,419,291
Employers Reinsurance Corp 51,370,561 83,094,286
Zurich Reinsurance (NA) Inc 20,553,644 77,567,517
Everest Reinsurance Co 42,117,856 5,424,892
Dorinco Reinsurance Co 88,061,237 0
Partner Reinsurance Co of US 34,364,389 14,713,544
Folksamerica Reinsurance Co 18,018,041 51,150,969
PMA Capital Insurance Co 25,866,837 18,969,596
Berkley Insurance Co 5,098,825 46,158,539
Odyssey America Reins Corp 16,423,378 21,418,506
Scor Reinsurance Co 15,487,306 1,040,172
Swiss Reinsurance America Corp 18,180,271 12,452,824
Axa Corporate Solutions Re Co 34,840,154 -1,566
Insurance Corp of Hannover 17,847,264 10,341,503
Toa Reinsurance Co of America 28,131,488 0
QBE Reinsurance Corp 9,521,446 10,128,085
XL Reinsurance America Inc -235,315 9,309,999
Odyssey Reinsurance Corp 0 8,348,032
Trenwick America Reins Corp 1,748,127 9,808,144
PartnerRe Insurance Co of NY 3,926,740 1,682,889
American Agricultural Ins Co 5,342,214 0
Total U.S. P/C Industry $3,864,338,691 $1,656,055,389
Auto Physical
Damage Total Auto
Assumed from Assumed from
Nonaffiliates Nonaffiliates
GE Reinsurance Corp $160,641,391 $505,499,074
American Re-insurance Co 97,998,442 336,436,521
Transatlantic Reinsurance Co 47,906,007 326,999,739
Gerling Global Re Corn of Amer 74,024,300 260,353,440
General Reinsurance Corp 49,916,337 193,170,655
Employers Reinsurance Corp 29,219,958 163,684,805
Zurich Reinsurance (NA) Inc 21,083,108 119,204,269
Everest Reinsurance Co 66,643,016 114,185,764
Dorinco Reinsurance Co 3,127,627 91,188,864
Partner Reinsurance Co of US 26,664,587 75,742,520
Folksamerica Reinsurance Co 483,859 69,652,869
PMA Capital Insurance Co 16,577,271 61,413,704
Berkley Insurance Co 9,841,720 61,099,084
Odyssey America Reins Corp 17,343,116 55,185,000
Scor Reinsurance Co 25,715,333 42,242,811
Swiss Reinsurance America Corp 8,882,858 39,515,953
Axa Corporate Solutions Re Co 3,965,827 38,804,415
Insurance Corp of Hannover 9,929,972 38,118,739
Tea Reinsurance Co of America 4,338,658 32,470,146
QBE Reinsurance Corp 9,442,788 29,092,319
XL Reinsurance America Inc 9,235,578 18,310,262
Odyssey Reinsurance Corp 5,162,904 13,510,936
Trenwick America Reins Corp 1,089,375 12,645,646
PartnerRe Insurance Co of NY 3,023,693 8,633,322
American Agricultural Ins Co 1,200,635 6,542,849
Total U.S. P/C Industry $2,346,575,358 $7,866,969,438
% Total Auto
Total All Lines Assumed to All
Assumed from Lines Assumed from
Nonaffiliates Nonaffiliates
GE Reinsurance Corp $1,370,242,708 36.9
American Re-insurance Co 3,224,860,119 10.4
Transatlantic Reinsurance Co 1,541,998,030 21.2
Gerling Global Re Corn of Amer 970,192,333 26.8
General Reinsurance Corp 3,379,611,808 5.7
Employers Reinsurance Corp 2,347,010,792 7.0
Zurich Reinsurance (NA) Inc 1,219,313,211 9.8
Everest Reinsurance Co 1,175,972,329 9.7
Dorinco Reinsurance Co 178,825,163 51.0
Partner Reinsurance Co of US 348,142,557 21.8
Folksamerica Reinsurance Co 566,821,861 12.3
PMA Capital Insurance Co 392,638,744 15.6
Berkley Insurance Co 363,994,410 16.8
Odyssey America Reins Corp 599,702,580 9.2
Scor Reinsurance Co 422,561,961 10.0
Swiss Reinsurance America Corp 1,740,387,468 2.3
Axa Corporate Solutions Re Co 296,532,431 13.1
Insurance Corp of Hannover 226,605,506 16.8
Tea Reinsurance Co of America 178,755,188 18.2
QBE Reinsurance Corp 148,289,011 19.6
XL Reinsurance America Inc 572,084,826 3.2
Odyssey Reinsurance Corp 109,210,341 12.4
Trenwick America Reins Corp 213,857,795 5.9
PartnerRe Insurance Co of NY 33,917,422 25.5
American Agricultural Ins Co 556,445,601 1.2
Total U.S. P/C Industry $43,151,669,490 18.2
Auto Reinsurance, Top Users--2000
Direct Private-Pass.
Premiums Auto Liability
Written Ceded to
Company Total Auto Nonaffiliates
Continental Insurance Co $653,583,614 $678,880,242
Clarendon National Ins Co 369,234,107 178,659,011
Liberty Mutual Insurance Co 589,097,034 137,300,797
State and County Mutual Fire 348,992,066 161,611,691
St Paul Fire & Marine Ins Co 353,257,765 114,855,429
Eagle Insurance Co 196,482,660 188,447,613
United States Fid & Guar Co 183,895,329 122,356,950
Home State County Mut Ins Co 240,060,808 118,828,732
Old American Cty Mut Fire 196,609,735 80,860,576
Maryland Casualty Co 78,869,305 90,932,206
Continental Casualty Co 242,145,159 32,407,536
Nationwide Mutual Ins Co 3,339,799,659 85,991,754
Mutual Service Casualty Ins Co 185,487,654 82,660,648
Lumbermens Mutual Casualty Co 269,721,190 16,160,370
Consumers County Mutual Ins Co 136,099,508 53,324,970
Discover Reinsurance Co 0 0
Republic Underwriters Ins Co 5,173,504 16,412,652
State National Ins Co Inc 141,176,071 47,049,489
National Union Fire Ins Co PA 182,008,346 93,767,331
Guaranty National Insurance Co 227,431,458 26,397,490
Total U.S. P/C Industry $143,456,323,447 $4,749,339,256
Commercial Auto
Auto Liability Physical
Ceded to Damage Ceded
Company Nonaffiliates to Nonaffiliates
Continental Insurance Co $2,215,889 $481,822,895
Clarendon National Ins Co 223,370,334 50,661,106
Liberty Mutual Insurance Co 149,697,138 81,347,226
State and County Mutual Fire 56,601,486 127,879,054
St Paul Fire & Marine Ins Co 57,654,775 93,665,219
Eagle Insurance Co 20,038,549 36,225,648
United States Fid & Guar Co 2,523,511 92,500,657
Home State County Mut Ins Co 19,186,006 77,822,409
Old American Cty Mut Fire 40,920,768 73,169,272
Maryland Casualty Co 23,463,800 76,753,795
Continental Casualty Co 112,079,340 28,104,353
Nationwide Mutual Ins Co 5,944,796 71,598,223
Mutual Service Casualty Ins Co 31,253,696 48,032,180
Lumbermens Mutual Casualty Co 105,961,184 23,277,200
Consumers County Mutual Ins Co 7,557,999 74,170,471
Discover Reinsurance Co 91,023,148 21,174,216
Republic Underwriters Ins Co 28,983,282 64,398,799
State National Ins Co Inc 33,977,499 25,128,000
National Union Fire Ins Co PA 0 9,917,891
Guaranty National Insurance Co 45,661,096 30,645,277
Total U.S. P/C Industry $3,002,745,932 $3,377,132,528
Total Auto Total All
Ceded To Lines Ceded
Company Nonaffiliates to Nonaffiliates
Continental Insurance Co $1,162,919,026 $1,953,384,789
Clarendon National Ins Co 452,690,451 1,158,435,376
Liberty Mutual Insurance Co 368,345,161 1,182,869,902
State and County Mutual Fire 346,092,231 347,685,896
St Paul Fire & Marine Ins Co 266,175,423 1,024,844,978
Eagle Insurance Co 244,711,810 250,331,179
United States Fid & Guar Co 217,381,118 394,550,321
Home State County Mut Ins Co 215,837,147 216,057,660
Old American Cty Mut Fire 194,950,616 195,181,978
Maryland Casualty Co 191,149,801 355,176,748
Continental Casualty Co 172,591,229 1,848,480,808
Nationwide Mutual Ins Co 163,534,773 413,285,618
Mutual Service Casualty Ins Co 161,946,524 213,261,820
Lumbermens Mutual Casualty Co 145,398,754 1,189,306,559
Consumers County Mutual Ins Co 135,053,440 152,362,619
Discover Reinsurance Co 112,197,364 320,672,569
Republic Underwriters Ins Co 109,794,733 141,422,405
State National Ins Co Inc 106,154,988 126,135,280
National Union Fire Ins Co PA 103,685,222 1,677,913,497
Guaranty National Insurance Co 102,703,863 148,540,251
Total U.S. P/C Industry $11,129,217,716 $55,963,825,211
% Total Auto
Ceded to
All Lines
Company Ceded
Continental Insurance Co 59.5
Clarendon National Ins Co 39.1
Liberty Mutual Insurance Co 31.1
State and County Mutual Fire 99.5
St Paul Fire & Marine Ins Co 26.0
Eagle Insurance Co 97.8
United States Fid & Guar Co 55.1
Home State County Mut Ins Co 99.9
Old American Cty Mut Fire 99.9
Maryland Casualty Co 53.8
Continental Casualty Co 9.3
Nationwide Mutual Ins Co 39.6
Mutual Service Casualty Ins Co 75.9
Lumbermens Mutual Casualty Co 12.2
Consumers County Mutual Ins Co 88.6
Discover Reinsurance Co 35.0
Republic Underwriters Ins Co 77.6
State National Ins Co Inc 84.2
National Union Fire Ins Co PA 6.2
Guaranty National Insurance Co 69.1
Total U.S. P/C Industry 19.9
Source: A.M. Best Statement and Competitive Analysis Report Products
Large Insurers, States Build Special Investigative Units Software programs may be the most important tool investigators have in their fight to detect auto insurance fraud, but insurers and law enforcement also have made commitments to boost the number and size of special investigative units on the job. Not surprisingly, the two largest property/casualty insurers, State Farm and Allstate This article is about the American insurance company. For the line of automobiles, see Allstate (automobile). The Allstate Corporation NYSE: ALL is the largest publicly held personal lines insurer in the United States. , have devoted considerable time and effort to their special investigative units in the past four or five years, and the companies are leading forces in the identification and prosecution of insurance fraud. "We have done a good job of identifying fraudulent activity, especially in the northeastern north·east n. 1. Abbr. NE The direction or point on the mariner's compass halfway between due north and due east, or 45° east of due north. 2. An area or region lying in the northeast. 3. part of the country; and we have gained a great deal of experience in our techniques to investigate and resolve these claims," said Gil Ferraro Fer`ra´ro prop. n. 1. Geraldine Anne Ferraro erson>, a United States politician. Born in 1935, she was a congresswoman from New York in the United States Congress from 1978 to 1984, and ran unsuccessfully in 1984 a candidate for Vice , a special investigative units consultant for State Farm, Bloomington Bloomington. 1 City (1990 pop. 51,972), seat of McLean co., central Ill.; inc. 1839. The economy is based on farming; electrical equipment is also manufactured. , Ill. "We work with the regional SIU SIU Southern Illinois University SIU Seafarers International Union SIU Special Investigations Unit SIU Schiller International University SIU Special Investigative Unit SIU Salem International University SIU Societá Italiana di Urologia operations to develop procedures and implement the program." State Farm employs about 1,450 in its special investigative units across its 26 regions of the United States. State Farm's Approach State Farm's anti-fraud program has several components, Ferraro said. On the technical side, State Farm has learned to be immediately suspicious suspicious adjective Referring to the consideration of a particular disorder–eg, cancer, as a diagnostic possibility, as in 'suspicious for malignancy' of certain types of claims. These include those on recently written policies, those with several claimants from the same accident visiting the same professionals and those that include accidents occurring on little-used roadways. He said the company wants its claims representatives to contact special investigative units when they see these red-flag scenarios. The company uses a software product called InfoGlide for database searches in the northeastern United States. Developed by InfoGlide Corp., Austin Austin. 1 City (1990 pop. 21,907), seat of Mower co., SE Minn., on the Cedar River, near the Iowa line; inc. 1868. The commercial and industrial center of a rich farm region, it is noted as home to the Hormel meatpacking company, whose Spam Town museum , Texas, it is a competitor of NetMap for Claims, the software the Insurance Services Office Inc. offers to insurers to help search its Claim-Search database. Ferraro said State Farm has been investigating organized claim fraud activity since before such software was available. The software products are "very expensive running into six figures for an annual license, he said. State Farm uses InfoGlide to search the ISO database and its own because it likes the way the software allows searches or files mat are similar, but maybe not exactly the same. "The significance is that quite often you have entry errors, so that an address might appear as 4 Deer St. when it really is 14 Deer St., but it will have the same claimed loss and the same insured;' said Ferraro. As part of the anti-fraud program, Ferraro and his staff also work to spread anti-fraud awareness to other workers, including claims personnel, agents and underwriters, so that everyone is aware of the fraudulent loss indicators. They work with State Farm's corporate law staffers to develop legislative initiatives that are helpful not only to State Farm, but the industry as a whole. To inform the public and encourage it to report any suspicious activity, they work with State Farm's public affairs Those public information, command information, and community relations activities directed toward both the external and internal publics with interest in the Department of Defense. Also called PA. See also command information; community relations; public information. department. And Ferraro's group interfaces with law enforcement and the National Insurance Crime Bureau, a nonprofit A corporation or an association that conducts business for the benefit of the general public without shareholders and without a profit motive. Nonprofits are also called not-for-profit corporations. Nonprofit corporations are created according to state law. , fraud-fighting organization based in Palos Hills, Ill., that is supported by about 1,000 property/casualty insurers. In a recent case, a State Farm special investigative unit working Out of New York City New York City: see New York, city. New York City City (pop., 2000: 8,008,278), southeastern New York, at the mouth of the Hudson River. The largest city in the U.S. filed a declaratory relief declaratory relief n. a judge's determination (called a "declaratory judgment") of the parties' rights under a contract or a statute often requested (prayed) for information in a lawsuit over a contract. action, which in effect asks the court to relieve re·lieve v. 1. To cause a lessening or alleviation of something, such as pain, tension, or a symptom. 2. To free an individual from pain, anxiety, or distress. it from the obligation to pay claims to what it believes is a fraud ring. At issue are claims in excess of $1 million. Ferraro said the special investigative unit identified a significant amount of staged-accident activity in the corridor from Philadelphia Philadelphia, ancient cities Philadelphia, name of several ancient cities. One was in Lydia, W Asia Minor (now W Turkey). At the foot of Mt. Tmolus and near the location of modern Alaşehir, it was founded in the 2d cent. B.C. through New York and onto Long Island. There were 35 claim files. "We found numerous connections between vehicles and parties along with common criteria (Common Criteria for Information Technology Security) An international standard process for defining security objectives and for evaluating compliance with those objectives. The Common Criteria have largely replaced the Trusted Computer Security Evaluation Criteria (TCSEC), the Canadian with respect to purchase of insurance policies and the accidents themselves," he said. As in many fraudulent cases, the claimants sought high personal injury protection payments and third-party liability in accidents with very slight property damage. "We're comfortable we have the information and evidence necessary to persuade TO PERSUADE, PERSUADING. To persuade is to induce to act: persuading is inducing others to act. Inst. 4, 6, 23; Dig. 11, 3, 1, 5. 2. In the act of the legislature which declared that "if any person or persons knowingly and willingly shall aid or assist any the court," Ferraro said. Allstate's Tactics Four years ago, Allstate, North-brook, Ill., centralized cen·tral·ize v. cen·tral·ized, cen·tral·iz·ing, cen·tral·iz·es v.tr. 1. To draw into or toward a center; consolidate. 2. its fraud-fighting resources into a separate organization instead of having them report to regional field managers, and it narrowed its focus to detection, investigation, prosecution and deterrence deterrence Military strategy whereby one power uses the threat of reprisal to preclude an attack from an adversary. The term largely refers to the basic strategy of the nuclear powers and the major alliance systems. of fraud, said Ed Moran Moran equitable councillor to King Feredach. [Irish Hist.: Brewer Dictionary, 728] See : Justice , assistant vice president, claims department, and head of Allstate's SIU. About 630 people work with the SIU at locations throughout the country, about 100 more than four years earlier. Among recent activity, Moran's investigators have won nearly $21 million since March in court judgments in Pennsylvania Pennsylvania (pĕnsəlvā`nyə), one of the Middle Atlantic states of the United States. It is bordered by New Jersey, across the Delaware River (E), Delaware (SE), Maryland (S), West Virginia (SW), Ohio (W), and Lake Erie and New York , New Jersey, California California (kăl'ĭfôr`nyə), most populous state in the United States, located in the Far West; bordered by Oregon (N), Nevada and, across the Colorado River, Arizona (E), Mexico (S), and the Pacific Ocean (W). and Washington, and they are seeking more than $39 million in four lawsuits, one in conjunction conjunction, in astronomy conjunction, in astronomy, alignment of two celestial bodies as seen from the earth. Conjunction of the moon and the planets is often determined by reference to the sun. with other carriers. (See "Allstate's War on Auto Fraud in the Courtroom," below.) Moran said the company publicizes the cases for its potential deterrence value. "In virtually every lawsuit lawsuit: see procedure; tort. we've we've Contraction of we have. we've have filed, we've made it a point to seek as much publicity and shine as much light as possible on individuals stealing STEALING. This term imports, ex vi termini, nearly the same as larceny; but in common parlance, it does not always import a felony; as, for example, you stole an acre of my land. 2. the public's money," he said. In addition, Moran's group is involved in the legislative arena and training. Moran said his group has been "working very hard to try to get some saner rules out of the New York Legislature The New York Legislature is the state legislature of the U.S. state of New York. It is a bicameral legislature, consisting of the lower house New York State Assembly and the upper house New York Senate. The legislature is seated at the New York State Capitol in Albany. " that address the problem of personal injury protection (PIP) coverages, primarily in reducing the amount of time a claimant has to file a claim. At the behest be·hest n. 1. An authoritative command. 2. An urgent request: I called the office at the behest of my assistant. of Allstate, Illinois Illinois, river, United States Illinois, river, 273 mi (439 km) long, formed by the confluence of the Des Plaines and Kankakee rivers, NE Ill., and flowing SW to the Mississippi at Grafton, Ill. It is an important commercial and recreational waterway. in early August deemed it a crime to solicit people to participate in staged auto accidents. The practice, known as "running" and practiced by "runners runners a defective gait in foxhounds in which affected animals are unable to gallop or jump fences. ," is now illegal in most states, Moran said. Allstate maintains an anti-fraud training facility for its adjusters, Moran said. Allstate uses ISO's database, but like State Farm, it does not use the NetMap for Claims software package that ISO offers. Instead, it uses Brio (Brio Technology, Palo Alto, CA, www.brio.com) A software company founded in 1989 and acquired by Hyperion Solutions Corporation in 2003 that specialized in enterprise analysis and reporting programs that run on several platforms. , another software program, as its data-mining tool for ISO's database as well as for its own database, which records about 6 million claims. "There are other software packages out there that allow you to slice things even finer," Moran said. "We're exploring these, but we haven't have·n't Contraction of have not. haven't have not haven't have decided yet on one. The question is whether they can work with the volume of data we'll we'll Contraction of we will. we'll we will or we shall we'll will ~shall throw at it." Long Arm of the Law As far as cooperation from law enforcement, State Farm's Ferraro commended insurance departments in New York and New Jersey for the resource they have allocated to their fraud bureaus. "They do a very good job of interfacing with the industry, and they take action themselves or they pass on information to other agencies for resolution or investigation," he said. Moran said New Jersey has "come a long way" in the last couple of years after decades of being "pretty lax LAX - LAnguage eXample. A toy language used to illustrate compiler design. ["Compiler Construction", W.M. Waite et al, Springer 1984]. ," he said. Its laws required insurers to take all comers all who come, or offer, to take part in a matter, especially in a contest or controversy. - Bp. Stillingfleet. See also: Comer and to provide high levels of coverage, and they encouraged insurers to push claims quickly through the system. "So there was opportunity for people to abuse the system," he said. New Jersey created a fraud bureau in 1998 and reformed its system, in part by placing limits on medical treatments per accident allowed under the PIP element of its no-fault auto insurance system. In a May 2001 report, the Washington, D.C.-based Coalition Against Insurance Fraud said the largest fraud bureaus are in California, New York, New Jersey and Florida Florida, state, United States Florida (flôr`ĭdə, flŏr`–), state in the extreme SE United States. A long, low peninsula between the Atlantic Ocean (E) and the Gulf of Mexico (W), Florida is bordered by Georgia and . Ten states do not have fraud bureau--Alabama, Illinois, Indiana Indiana, state, United States Indiana, midwestern state in the N central United States. It is bordered by Lake Michigan and the state of Michigan (N), Ohio (E), Kentucky, across the Ohio R. (S), and Illinois (W). , Maine, Michigan Michigan (mĭsh`ĭgən), upper midwestern state of the United States. It consists of two peninsulas thrusting into the Great Lakes and has borders with Ohio and Indiana (S), Wisconsin (W), and the Canadian province of Ontario (N,E). , Oregon Oregon, city, United States Oregon, city (1990 pop. 18,334), Lucas co., NW Ohio, a suburb adjacent to Toledo, on Lake Erie; inc. 1958. It is a port with railroad-owned and -operated docks. The city has industries producing oil, chemicals, and metal products. , Vermont Vermont (vərmŏnt`) [Fr.,=green mountain], New England state of the NE United States. It is bordered by New Hampshire, across the Connecticut R. , West Virginia West Virginia, E central state of the United States. It is bordered by Pennsylvania and Maryland (N), Virginia (E and S), and Kentucky and, across the Ohio R., Ohio (W). Facts and Figures Area, 24,181 sq mi (62,629 sq km). Pop. , Wisconsin Wisconsin, state, United States Wisconsin (wĭskŏn`sən, –sĭn), upper midwestern state of the United States. It is bounded by Lake Superior and the Upper Peninsula of Michigan, from which it is divided by the Menominee and Wyoming Wyoming, city, United States Wyoming, city (1990 pop. 63,891), Kent co., W Mich., in the greater Grand Rapids metropolitan area, on the Grand River; settled 1832, inc. 1959. . (See "State Insurance Fraud Bureau Budgets--2000," page 66.) Twenty-five state fraud bureaus have police powers police powers n. from the 10th Amendment to the Constitution, which reserves to the states the rights and powers "not delegated to the United States" which include protection of the welfare, safety, health and even morals of the public. ; 13 have civil fining authority. States allocated more than $100 million to their fraud bureaus last year, led by New Jersey ($25.8 million) and California ($22.3 million), though the coalition did not have data from New York. More states need to create insurance fraud bureaus, pass claims fraud laws, increase penalties and create new civil penalties so that carriers can get back money paid in fraudulent claims, Ferraro said. Despite the promise of technology and the growth of special investigative units, insurance fraud is still a multibillion-dollar problem in the United States. According to the NICB NICB National Insurance Crime Bureau NICB Nebraska Independent Community Bankers NICB National Institute for Cellular Biotechnology (Ireland) NICB National Intelligence Collection Board and the Chartered Property Casualty Underwriters Chartered Property Casualty Underwriter (CPCU) is considered to be the premier professional designation in property-casualty insurance and risk management. The rigorous curriculum includes eight (8) post-secondary undergraduate, or graduate-level courses covering topics such as Society, which have joined forces to fight it, fraud is the second-most costly white-collar crime white-collar crime, term coined by Edward Sutherland for nonviolent crimes committed by corporations or individuals such as office workers or sales personnel (see white-collar workers) in the course of their business activities. in the United States. Property/casualty insurance fraud accounts for at least $20 billion in losses, more than the cost of Hurricane Andrew This article is about the 1992 hurricane; there was also a Tropical Storm Andrew during the 1986 Atlantic hurricane season. Hurricane Andrew is the second-most-destructive hurricane in U.S. history, and the last of three Category 5 hurricanes that made U.S. each year, the two organizations reported on their joint Web site, www.stopinsurancecheats.com corn. State Insurance Fraud Bureau Budgets--2000 New Jersey $25,800,000 California 22,307,000 Florida 10,400,245 Pennsylvania 9,500,000 Massachusetts 5,422,460 Virginia 3,100,000 Louisiana 1,700,000 Arizona 1,680,000 Maryland 1,599,998 Texas 1,572,000 North Carolina 1,105,504 Kentucky 991,800 Utah 911,500 Arkansas 870,417 Nevada 797,080 Delaware 758,000 New Mexico 688,000 District of Columbia 638,694 Ohio 551,910 Connecticut 400,000 Iowa 316,068 Mississippi 300,000 Idaho 270,000 South Carolina 250,000 Nebraska 213,616 South Dakota 160,383 NewYork N/A Alaska N/A Montana N/A Missouri N/A New Hampshire N/A Source: Coalition Against Insurance Fraud Allstate's War on Auto Fraud in the Courtroom Judgments for Allstate * Allstate vs. Ozga, Pennsylvania. Judgment of $2,470,528 recorded June June: see month. 22, 2001. * Allstate vs. Allied Trauma trauma /trau·ma/ (traw´mah) (trou´mah) pl. traumas, trau´mata [Gr.] 1. injury. 2. psychological or emotional damage. & Health, New Jersey. Judgment of S7.3 million recorded March 28,2001 * Allstate vs. Hisham Mulheldin, et al., California, Judgment of $8.3 million recorded in June 2001 after a full trial in March 2001. * Allstate vs. Hugh Hugh (pronunced hyuu) is a male given name. It is Germanic and means "Bright in Mind and Spirit" or "Thoughtful". It is related to the name Hugin( one of Odin's ravens, who represented Thought.) The following medieval rulers were named Hugh. Nguyen, et al., Washington. Judgment of $2.7 million to be recorded in August 2001. Pending Lawsuits * Allstate vs. Fordham Fordham may refer to:
* Allstate vs. Beck This article is about the musician. For other uses, see Beck (disambiguation). Beck Hansen (born Bek David Campbell, July 8, 1970) is a Grammy Award-winning American musician, singer-songwriter, and multi-instrumentalist, known by his simple stage name of Chiropractic chiropractic (kīrəprăk`tĭk) [Gr.,=doing by hand], medical practice based on the theory that all disease results from a disruption of the functions of the nerves. , North Carolina North Carolina, state in the SE United States. It is bordered by the Atlantic Ocean (E), South Carolina and Georgia (S), Tennessee (W), and Virginia (N). Facts and Figures Area, 52,586 sq mi (136,198 sq km). Pop. . Allstate sues medical provider for $2.5 million. * Allstate vs. Advantage Medical Diagnostics (1) Software routines that test hardware components (memory, keyboard, disks, etc.). Diagnostics are often stored in ROM chips and activated on startup. (2) Error messages in a programmer's source code that refer to statements or syntax that the compiler or assembler , Florida. Allstate sues for alleged brokering of medical services for $500,000. * Allstate vs. Family Chiropractic, Florida. Allstate sues network of clinics for allegedly billing for services not rendered. Source: Allstate How Auto Fraud Rings Work In simpler times, insurance fraud was also more simple. Most of it was in the form of claims padding Bits or characters that fill up unused portions of a data structure, such as a field, packet or frame. Typically, padding is done at the end of the structure to fill it up with data, with the padding usually consisting of 1 bits, blank characters or null characters. See null and bit stuffing. by individuals, a practice by which the claimants claimed they lost more than they actually did. Today, the face of fraud has evolved from the individual to that of groups of cooperating, conniving and conspiring people. "You still have claims padding by individuals, but that's not where the big dollars are," said Diana Scranton, director of corporate communications for the software firm NetMap Analytics in Westerville, Ohio Westerville is a city in Franklin and Delaware Counties in the U.S. state of Ohio. It is a suburb of Columbus. The population was 35,318 at the 2000 census. Geography Westerville is located at (40.123496, -82. . "They are with the spider-like organizations-the fraud rings-that are very professional and very well run. And insurers need to take a different look at the composition of the fraud they are paying out." Most fraud rings make use of staged accidents, of "provider fraud," or of some combination, said Rob Doone, chief operating officer and president of the Americas Operation for NetMap Analytics. In staged accidents, ring operators recruit RECRUIT. A newly made soldier. people to ride in vehicles that are orchestrated or·ches·trate tr.v. or·ches·trat·ed, or·ches·trat·ing, or·ches·trates 1. To compose or arrange (music) for performance by an orchestra. 2. to collide col·lide intr.v. col·lid·ed, col·lid·ing, col·lides 1. To come together with violent, direct impact. 2. . Though the accidents cause little damage to the vehicles, those recruited to ride in the vehicles profess pro·fess v. pro·fessed, pro·fess·ing, pro·fess·es v.tr. 1. To affirm openly; declare or claim: "a physics major to suffer pain, usually in injuries to the back, neck or soft tissue, which are difficult to medically prove or disprove disprove, v to refute or to prove false by affirmative evidence to the contrary. . In provider fraud, lawyers, doctors and chiropractors are part of the ring and milk the insurer to pay for extensive treatment of the fraudulent injuries. Fraud rings have similar traits. They tend to operate in a defined territory and with assembly-line a. 1. Of, pertaining to, or resembling an assembly line; as, an assembly-line process; also used metaphorically, as an assembly-line educational system s>. regularity, said Robert Hartwig, chief economist for the New York-based Insurance Information Institute. They hire "runners," or people who recruit others to take part in the staged accidents. Runners, recruits and other members of the ring share in proceeds from insurance claims paid. "The runners invent and stage the accidents, and then the occupants of the vehicle are sent to specific medical 'clinics,'" Hartwig said. "Most of them are not places to which you'd you'd 1. Contraction of you had. 2. Contraction of you would. you'd you had or you would you'd have ~would take your dog. Some have no doctors. For the most part, they are bill-generating offices that render (1) To make visible; to draw. The term comes from the graphics world where a rendering is an artist's drawing of what a new structure would look like. In computer-aided design (CAD), a rendering is a particular view of a 3D model that has been converted into a realistic image. no real treatment, or treatment of only dubious value." The treatments obtained may include massage massage (məsäzh`), treatment of superficial parts of the body by systematic rubbing, stroking, kneading, or slapping. Massages can be administered manually or with mechanical devices. or acupuncture acupuncture (ăk`y pŭng'chər), technique of traditional Chinese medicine, in which a number of very fine metal needles are inserted into the skin at specially designated points. . The
clinics send their bills to insurers as much as six months after the
treatment, making it difficult for insurers to investigate, since by
law, they might have as little as 30 days to pay a claim, Hartwig said.
Sometimes, the staged accidents involve innocent people who are not part
of the ring, and occasionally, even they are directed to the ring's
clinics, he said. And sometimes the ring steals the identities of the
innocent third parties so that the clinics file claims for treatments
the innocent parties never receive and of which they are completely
unaware.New York has been particularly vulnerable to fraud rings, but Hartwig said New York and other states where fraud runs rampant could make conditions significantly more difficult for the rings by reducing the time within which a claim must be filed, by creating and enforcing a binding fee schedule for treatments and by creating treatment protocols for the each type of injuries. Hartwig also said states should enact tougher penalties for the fraud-ring runners. Caught on Tape: Onboard Refers to a chip or other hardware component that is directly attached to the printed circuit board (motherboard). Contrast with offboard. See inboard. Camera Records Staged Crash Perpetrators of a staged auto accident may have thought they had committed the perfect fraud early this summer when the limousine they were targeting in Los Angeles Los Angeles (lôs ăn`jələs, lŏs, ăn`jəlēz'), city (1990 pop. 3,485,398), seat of Los Angeles co., S Calif.; inc. 1850. hit their vehicle in the rear. What they didn't immediately know, however, was that a small video camera mounted behind the limo's rear-view mirror rear-view mirror Noun a mirror on a motor vehicle enabling the driver to see the traffic behind rear-view mirror rear n (Aut) → rétroviseur m had recorded the collision See CSMA/CD and collision avoidance system. Collision (physics) Any interaction between particles, aggregates of particles, or rigid bodies in which they come near enough to exert a mutual influence, generally with exchange of energy. , providing evidence that exposed the alleged crime. The tape indicated that the driver from Music Express Limousine, a Burbank Burbank, city (1990 pop. 93,643), Los Angeles co., S Calif.; inc. 1911. Tourism and the entertainment industry are central to its economy; several motion-picture studios and television headquarters are here. Burbank's aerospace industry collapsed with the end of the Cold War. , Calif.-based service for the entertainment industry, was not responsible for the collision. Music Express has increasingly been the target of fraud over the past year, as have other companies owning fleets of commercial vehicles. "In these cases, it is our word against theirs," said Cheryl Cheryl is a female given name and can refer to: In crime:
In this incident, the limo driver was trying to make a lane change, according to a statement by DriveCam Video Systems, the San Diego-based manufacturer of the video camera. The conspirators CONSPIRATORS. Persons guilty of a conspiracy. See 3 Bl. Com. 126-71 Wils. Rep. 210-11. See Conspiracy. allegedly planned to use one car on the left to block the limo while another car in front stopped suddenly. When the driver of that car hit the brakes, the limo could not avoid hitting the car. When Lancer Insurance Co., Long Beach, N.Y., received the claim and Senior Claims Examiner Ann ANN, Scotch law. Half a year's stipend over and above what is owing for the incumbency due to a minister's relict, or child, or next of kin, after his decease. Wishaw. Also, an abbreviation of annus, year; also of annates. In the old law French writers, ann or rather an, signifies a year. Twelves learned of the video, she sent it to her best insurance investigator, who immediately recognized the "classic indicators" of a staged accident, Twelves said. The investigator said the tape "was like watching a training video from the National Insurance Crime Bureau," she said. "The video supported exactly what the limousine driver reported. The car driver and other occupants had a completely different version that was obviously rehearsed." Lancer did not tell the claimants of the video until after they had given their testimony Oral evidence offered by a competent witness under oath, which is used to establish some fact or set of facts. Testimony is distinguishable from evidence that is acquired through the use of written sources, such as documents. testimony n. , said Angelo Angelo externally austere but inwardly violent. [Br. Lit.: Measure for Measure] See : Hypocrisy Angelo asked by Isabella to cancel her brother’s death sentence, Angelo agrees if she will yield herself to him. [Br. Baio, manager of Lancer's special investigative unit. When they and their attorney were informed of the video, the lawyer dropped the case, and the claimants disappeared, he said. Asked why Lancer or law enforcement did not prosecute the claimants, Baio said the company followed established procedures. The video camera is about the size of a human palm. It records video and audio continuously and in four directions, but the camera saves a portion of the videotaped events only when activated activated a state of being more than usually active. In biological systems this is usually brought about by chemical or electrical means. Commonly said of pharmaceutical and chemical products. by G-forces caused by hard braking, acceleration acceleration, change in the velocity of a body with respect to time. Since velocity is a vector quantity, involving both magnitude and direction, acceleration is also a vector. In order to produce an acceleration, a force must be applied to the body. , harsh cornering or a collision. DriveCam has been installed in more than 2,000 vehicles, said DriveCam president Ed Andrew. One of DriveCam's clients, airport shuttle An airport shuttle is a shuttle bus that transports airline passengers to and from a commercial airport. Passengers wait at the shuttle stop for the bus to arrive, and at appointed areas where shuttle pick-up and drop-off are allowed at the airport. operator Cloud cloud, aggregation of minute particles of water or ice suspended in the air. Formation of Clouds Clouds are formed when air containing water vapor is cooled below a critical temperature called the dew point and the resulting moisture condenses into 9, based in San Diego San Diego (săn dēā`gō), city (1990 pop. 1,110,549), seat of San Diego co., S Calif., on San Diego Bay; inc. 1850. San Diego includes the unincorporated communities of La Jolla and Spring Valley. Coronado is across the bay. , reported that it has seen a 46% reduction in accidents and a 20% drop in insurance premiums after one year of use, said Valerie Name Valerie is a common name for a girl in both English and French. Spelt as "Valery" or "Valeri", it is a common male name in parts of Europe (particularly in France and Russia). It means brave and courageous. Cheskin, a publicist pub·li·cist n. One who publicizes, especially a press or publicity agent. publicist Noun a person, such as a press agent or journalist, who publicizes something publicist for the company with Marketing & PR Strategies. Baio said there is no better tool available to provide unbiased evidence of fault in an accident, but DriveCam is "not that common yet." The device is better applied in commercial vehicles, in that it protects owners of vehicles from bad drivers, too, Baio said. He added that Drive-Cam is the only company he knows of that manufactures the device. |
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