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Regulators guides
California Proposition 103 explainedWhat California's 1988 Prop 103 did: the 20% rollback, prior approval of rates, the Good Driver Discount, ranked rating factors and paid consumer intervenors.Texas county mutuals and fronting carriers: who really insures youWhy your Texas auto policy may name a "county mutual" you never heard of, how fronting carriers work, and how to check who stands behind your coverage.How car insurance rate approval worksHow states review car insurance rates: prior approval, file-and-use, use-and-file and flex rating, what regulators check, and how to follow a filing yourself.Loss ratios and rate filings: how insurers justify an increaseHow insurers use loss ratios, expense ratios and trend data to justify a rate change, what regulators check, and how to read a filing yourself.The NAIC explainedWhat the National Association of Insurance Commissioners is, how it writes model laws without regulating anyone, and the free NAIC tools drivers can use.What your state insurance department doesWhat state insurance regulators do for drivers: licensing, rate and form review, solvency checks, complaints and fraud, plus contacts for all 50 states and D.C.Why insurance is regulated by states, not WashingtonHow an 1869 court case and the 1945 McCarran-Ferguson Act left car insurance to the states, what federal law still reaches, and what that means for drivers.What happens if your car insurer goes insolventIf a car insurer fails, your policy is canceled and a state guaranty fund pays covered claims up to a cap. Here is what to do and what is protected.