Research Publications

This nationwide survey of U.S. households probes public attitudes toward sale of insurance by various kinds of financial institutions and the steps needed to protect the public from insolvencies of private financial institutions. It also examines how people shop for auto insurance.

his study measures the overall impact of crime-related insurance claims on the various kinds of insurance policies sold by property-casualty insurers. Results are stated in terms of crime losses as a percentage of all losses, countrywide and by state, for personal and commercial lines of insurance and for various types of criminal activity. The report also estimates annual dollar costs per household and per employee.

This study evaluates state motor vehicle records as a source of information on individual driver accidents and convictions in the 37 states that made available such information as of 1983. The study shows great variability among states in the amount of accident and conviction information found on publicly available state records, and provides explanations for these differences across states.

Insurance companies are making increasing use of annuities and other forms of "structured" settlements in lieu of lump-sum payments to disabled or seriously injured liability claimants. This report contains findings of a survey involving 54 major property-casualty insurers concerning their use of the technique, criteria used for making structured settlement offers, funding arrangements and other aspects.