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2. Total loss - Wikipedia

   en.wikipedia.org/wiki/Total_loss

   In insurance claims, a total loss or write-off is a situation where the lost value, repair cost or salvage cost of a damaged property exceeds its insured value, and simply replacing the old property with a new equivalent is more cost-effective. [1] [2] Such a loss may be an "actual total loss" or a "constructive total loss".

3. Loss ratio - Wikipedia

   en.wikipedia.org/wiki/Loss_ratio

   For insurance, the loss ratio is the ratio of total losses incurred (paid and reserved) in claims plus adjustment expenses divided by the total premiums earned. [1] For example, if an insurance company pays $60 in claims for every $100 in collected premiums, then its loss ratio is 60% with a profit ratio/gross margin of 40% or $40.

4. State Farm Mutual Automobile Insurance Co. v. Campbell

   en.wikipedia.org/wiki/State_Farm_Mutual...

   State Farm Mutual Automobile Insurance Co. v. Campbell, 538 U.S. 408 (2003), was a case in which the United States Supreme Court held that the due process clause usually limits punitive damage awards to less than ten times the size of the compensatory damages awarded and that punitive damage awards of four times the compensatory damage award is "close to the line of constitutional impropriety".

5. How to choose the best car insurance company - AOL

   www.aol.com/finance/choose-best-car-insurance...

   How to pick the best car insurance. Almost every state requires drivers to carry at least a minimum amount of car insurance, but drivers can obtain more coverage for better protection. The company ...

6. How to get car insurance - AOL

   www.aol.com/finance/car-insurance-213056744.html

   If your car insurance coverage is dropped, you may be considered a high-risk driver by some car insurance companies. If so, you can generally expect to pay more for coverage.

7. Tips for first-time car insurance buyers - AOL

   www.aol.com/finance/tips-first-time-car...

   Insurance agent: There are two types of insurance agent; “captive” agents, who only work with one insurer, and “independent” agents, who can help you get quotes from many insurers.

8. Loss reserving - Wikipedia

   en.wikipedia.org/wiki/Loss_reserving

   Loss reserving is the calculation of the required reserves for a tranche of insurance business, [1] including outstanding claims reserves.. Typically, the claims reserves represent the money which should be held by the insurer so as to be able to meet all future claims arising from policies currently in force and policies written in the past.

9. What is an insurance claim and when should you file one? - AOL

   www.aol.com/finance/insurance-claim-file-one...

   The process varies from provider to provider, but how you file a car insurance claim usually begins with a phone call, filling out an online form or using your insurance company’s app to begin ...