Category: Insurance

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Our present world is crammed with terrorism. It doesn’t only affects peace but it also brings severe damages to the economy. There has been much written about the short-term macroeconomic impact of terrorism attacks on investors risk aversion, equity market valuations, bond yields, oil prices, aggregate consumption and investment activity and even the medium-term effects in the regulatory, trade and fiscal policy responses by governments and the private sector, but much less is known about how this potentially long-lasting heightened terrorist threat affects the stock prices of individual firms.

Some studies have argued it may reveal itself in the psychological fear of terrorism that can affect economic behavior. Let us recall the 9/11 bombing. After that terrorist attack, insurers reduced or even rendered inexistent the supply of terrorism insurance throughout the economy, delaying or preventing many projects from going forward mostly construction in large cities because of creditor or investor concerns. The unprecedented terrorist attacks on that dreaded September 11, 2001 caused massive casualties and damage and ushered in an era of great uncertainty. That shocking display of brute force also changed the way we think about terrorism and moved the topic to the front-burner of academic and public attention. One important way in which we have changed our perspective about terrorism is as a geopolitical risk that affects the global economy and financial markets.

G. Andrew Karolyi and Rodolfo Martell, examined the stock price impact of terrorist attacks. Using an official list of terrorism-related incidents compiled by the Counter-terrorism Office of the U.S. Department of State, they identified 75 attacks between 1995 and 2002 in which publicly traded firms are targets. Looking at the event study analysis around the day of the attacks uncovers evidence of a statistically significant negative stock price reaction of -0.83%, which corresponds to an average loss per firm per attack of $401 million in firm market capitalization. A cross sectional analysis of the abnormal returns suggests that the impact of terrorist attacks differs according to the home country of the target firm and the country in which the incident occurred. Terrorist attacks in countries that are wealthier and more democratic are associated with larger negative share price reactions. Most intriguingly, we see that human capital losses, such as kidnappings of company executives, are associated with larger negative stock price reactions than physical losses, such as bombings of facilities or buildings.

The passage of U.S. Terrorism Risk Insurance Act (TRIA) in 2002, with its backstop provision of up to $100 billion zero-cost reinsurance for terrorism events, was indeed an important U.S. legislative event. But sadly, it did not provide for any long-term scheme for terrorism insurance and, even today, it is not clear which course of action the industry and government is to follow once TRIA expires in December 2005. Some argue that America cannot risk a gamble on terror insurance and that renewal of TRIA is critical as a private insurance market will never develop. Some experts goes on to saying that, catastrophic terrorism risk is uninsurable by the private market because its true dimensions are incalculable, whether you live in London, Madrid or New York.

With these dramatic view realizations of the market for terrorism insurance, we can argue that it is even more important now to develop new measures of the economic consequences of terrorism events to guide policy. In this article, the stock price reaction of publicly-traded firms that have been affected or targeted by a terrorist attack providing average estimates of the losses caused by these events has been used. Karolyi and Martells’ subsequent analysis of the cross-sectional variation in the stock price reactions suggests that losses inflicted by terrorist attacks are larger when they take the form of kidnappings. They also showed that these losses are greater when the firm is located in a richer country or in a country with a more democratic regime. It is important, though, to remember that their results were obtained using only a subset of the universe of terrorist incidents classified as such by the State Department, since they are studying only the reaction associated with publicly-traded companies. Also, in their study, they opted for a simplified approach and they only studied the short-term reaction of firms to these attacks and ignored potential longer-term effects on cash-flows or cost of capital (risk premium) effects. The re-emergence of a market for terrorism risk insurance demands that insurers generate better models to assess the likelihood and potential losses derived from terrorism. Their results suggest that characteristics of the attack (kidnappings vs. property destruction) and characteristics of the country of the targeted firms provide help in assessing the losses. They hope the results presented in their study may serve at least as a useful starting point in the current debate surrounding terrorism insurance, the renewal of TRIA and the characteristics of the legislation that will replace it.

In conclusion, to put it in a nutshell, an understanding of the nature of terrorism and the magnitudes of its effects is a prerequisite for designing successful policies to prevent terror, to alleviate the costs of terrorism, or to reduce an economys vulnerability to attacks.

The New York State Department of Insurance (DOI) just released the 2008 Annual Ranking of Automobile Insurance Complaints. The report has been issued to help consumers find the automobile insurer that best meets their needs. You can use this report to compare the ranking of the insurance company you are doing business with now, or check another company you may be considering.

This report analyzed data collected from 2006 and 2007. It only ranks companies doing business in the State of New York. However, as New York is a heavily populated state, with both big urban centers and big suburban areas, the report can be considered a good representation of insurance company performance nationwide.

How The Ranking Works

The insurance companies are ranked on a complaint ratio. The ratio is calculated by the number of complaints upheld against companies as a percentage of their total private passenger auto business.

Insurers with the fewest upheld complaints per million dollars of premiums are shown at the top of the list. The companies with the highest ratio of complaints are ranked at the bottom.

Other Information to Consider

The ranking of an insurance company is important, but it is only one characteristic that consumers should weigh when considering doing business with an insurance company. Others are:

Referrals from friends, relatives, neighbors or co-workers about the experiences they had with their insurance companies
Price of the premium versus perceived value
Search the Internet for other ideas
Check your states DOI website, which may contain valuable consumer information about companies doing business in your state.

What The Ranking Does and Does Not Contain

Private passenger insurance is the only type evaluated.
It only includes the complaints referred by consumers to the DOI. It does not include complaints made directly to the insurance companies.
Complaints are upheld when the DOI agrees with a consumer that an insurance company made an inappropriate decision.
Information from prior years is included in the tables so consumers can see if the company has improved or gotten worse.
All companies with at least $10 million in premium in 2006 and 2007 are included in the ranking. Insurers with less than $10 million were included if they had 10 or more complaints against them.

Top Three Most Common Complaints

1.Monetary settlements settlement amount is too low.
2.Policy terminations
3.Promptness of insurance payments

2007 Auto Complaint Listing (ranked lowest number at top, higher as you go down)

1.Mercury General Group
2.American Express, Amex Assurance, IDS Property Casualty
3.Eveready Insurance Co.
4.Electric Insurance Group
5.Amica Mutual
6.Preferred Mutual Insurance Co.
7.United Services Automobile Assurance Group (USAA)
8.Chubb
9.Utica Mutual
10.State Farm
11.Central Services Group, Central Insurance Group, NY Central Mutual Fire Ins.
12.Main Street America Group, National Grange Mutual
13.Progressive
14.Liberty Mutual
15.Kingsway Insurance Group, Lincoln General Ins.
16.Response Insurance Group
17.Nationwide Insurance
18.American Modern Ins. Group, American Family Home Ins.
19.St. Paul Travelers
20.Unitrin Group, Kemper
21.Erie Insurance Group
22.Berkshire Hathaway Insurance, GEICO
23.Allstate Insurance
24.The Hartford Insurance Group
25.Hanover Insurance, Citizens Ins., Allmerica Financial Alliance
26.Metropolitan Group
27.American National Financial Group
28.Allianz Insurance Group
29.GMAC, Integon, MIC P&C, National General Ins. Co.
30.Zurich Ins.Group, Foremost, Maryland Casualty
31.Hannover RE Group, Clarendon National
32.State Wide Insurance
33.White Mountains Group, OneBeacon, Esurance, Auto One Ins.
34.Countrywide Insurance
35.Safeco Insurance Group
36.American International Group (AIG)
37.Tri-State Consumer Ins. Group
38.Interboro Mutual
39.Infinity Property & Casualty
40.Long Island Insurance

Conclusion

If your auto insurance provider is not shown on this list, it could be that they dont sell insurance in New York. Or, it could be that their number of complaints is worse than the company in the #40 position!!

Think about this statement, my friends.

The only thing that truly matters about your auto insurance is what happens when you submit a claim. Claims are about KEEPING PROMISES. When the insurance companies dont keep their promises, the complaints pile up!

So, why would you EVER consider doing business with any insurance company LOWER than NUMBER 10 on the list?

If you are one of the unfortunate people who experience an automobile loss of any kind, you’ll need to know how to handle your insurance claim so that you maximize your recovery. You will need to know how to take control of your insurance claim, and add hundreds or even thousands more dollars to your claim settlement. For more information, check out the website shown below in the Resource Box.

The increase in the number of players in the Insurance sector has lead to spiralling growth of the Industry. More people are now aware of Health, Medical, General and Life Insurance plans and are keenly opting for various types of risk cover. As the customer base increases for these players so do the number of Insurance claims being filed with these companies. In a country such as India where there are few verifiable facts about a customer, this creates a large number of fraudulent risk claims. Onicra works closely with the Insurance companies to establish validity of these claims and mitigate risk.

What exactly is Insurance Claims Investigation?
Individuals and business enterprises buy insurance policies to safeguard themselves against monetary losses. In case there is a loss, the insurance policy holders submit claims, or request for payment to seek compensation for their loss.

Insurance investigators thus work for life and general insurance companies, for whom they handle claims contending unfortunate cases of bodily injury, deaths or third party claims. Their main job is to investigate the claims, negotiate settlements, and authorize payments to claimants. It is they who must assess and verify whether the customer’s insurance policy covers the loss and how much of the loss should be paid to the claimant.

About Insurance Claims Investigation Services

Life and General Insurance claim processing.

Authentication of medical reports (Life and General Insurance).

Conducting checks and balances before extending insurance.

Onicra is leading and pioneering the way that Insurance claim investigation is conducted.

Compnay insurance investigators possess decades of experience and have established a proven reputation in the industry for exposing fraudulent applications and claims, Our clients include companies such as Reliance Insurance, Bajaj Allianz etc. Our well-trained staff examines the various causes of the accident, death, property loss, vehicle damage or third party damage and reports the claims to the client as valid or in-valid based upon a comprehensive set of guidelines using our revolutionary PDA technology. This decision analysis tool aids us in identifying insurance claims as genuine or fraudulent.

With our team of seasoned industry specialists and our highly trained workforce, we have set new benchmarks in the Industry using this system.In addition our widely spread network across the country gives us the leverage to cover almost any geographic location. In states such as Rajasthan, Uttar Pradesh, Madhya Pradesh and the Eastern Belt, which are vast in terms of reach and spread, our network is extremely robust.

Benefits of outsourcing Insurance Claims Investigation to Onicra

High strike rate in identifying fraudulent insurance claims

Fast track PDA technology facilitates live transfer of case

Real Time Case tracking and management solution

Reduces claim handling costs and other operations costs

Help mitigate risk, reduce settlements and identify fraud claims

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