Personal Insurance Federation of California Insurance Reference Book
Table Of Contents

i.	Foreword
I.	Personal Insurance Federation of California
II.	Economic Impact of Insurance Community Investment Reporting and the Industry Community Reinvestment Legislation
III.	Types of Insurance
IV.	Ratemaking, Premiums and Profits
V.	California Department of Insurance
VI.	Insurance Resource Organizations
VII.	Companies Operating in California
VIII.	Glossary of Insurance Terms
IX.	Earthquake, Fire & Disaster Claims THE TOPIC: Catastrophes/Tsunami’s Claims Statistics From 2003 Southern California Fires Insurers Continue To Work Closely With 2003 Fire Survivors Northridge Earthquake Remembered Facts Northridge Earthquake: The Facts About Insurance Industry Claims Handling Eleven Most Costly Natural Catastrophes In The United States California Insurance Codes Regarding Earthquake Insurance Seven Things To Do After A Disaster De-Mystifying The Claims Process

PIFC Issue Papers

• PIFC BACKGROUNDER – CDI Proposed Regulation: Insurance Broker Fiduciary Duties

• PIFC FACT SHEET – CDI Proposed Regulation: Insurance Broker Fiduciary Duties

Privacy

• Privacy and Insurance: An Overview...

• California Laws and Regulations On Financial Privacy

Mold

• Mold and Insurance: An Overview...

• Mold: The High Cost of No Science

President's Year In Review - 2004

Auto/Homeowners

• Insurance Legislation Passed in 2004 To Help Fire Survivors

• Pressures Influencing Homeowners Insurance Costs

• Increasing Water Loss Claims Driving Force Behind Higher Homeowners Insurance Rates

• The American Dream In California Is Just That – A Dream

Territorial Rating

• Impact of petition to modify use of Optional Rating Factors: Executive Summary

• Californians AGAINST Higher Insurance Rates

Credit

• The Facts About Credit Information and Insurance

• Credit Scoring

• Maryland ban on credit scores raises home insurance

• Insurance scoring 'Color Blind,' Says Arkansas Insurance Commissioner

• Researchers Study 2.7 Million Auto Records and Find Irrefutable Connection Between Credit History, Risk of Insurance Loss

Loss History

• Property Insurance Use of Claims History in Underwriting & Rating

Auto Repair

• Salvage Vehicles

• California Vehicle Code Concerning Total Loss Salvage Vehicles

• Background: Aftermarket Crash Parts

• The Use of Aftermarket Parts for Automobile Repair: Questions and Answers

• Background: Auto Insurance Direct Repair Programs (DRP)

• The Use of Direct Repair Programs for Automobile Repair: Questions and Answers

Low-Cost Auto

• California Low-Cost Automobile Insurance Program

California Earthquake Authority

• A Factual Guide To The California Earthquake Authority

• 2005 Financial Structure

• California Earthquake Premiums 1968 through 1994

• Coalition For A California Earthquake Authority

Proposition 103

• An Overview...

• The Moral Menace of Proposition 103

Fraud

• Insurance Fraud: An $80 billion a year industry and growing

• IRC Study Finds Fraud and Buildup Add Approximately $5 Billion to Auto Injury Insurance Claims

• More Than One in Four Auto Accidents Result in Injury Claims, IRC Study Finds

Terrorism

• Terrorism & Insurance