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2. This Arizona man says his gap insurance won’t pay an $18,000 ...

   www.aol.com/finance/arizona-man-says-gap...

   If your car is totaled, standard auto insurance policies will pay out the current market value of a vehicle at the time of a claim. So, if you bought a car for $20,000 and your car is totaled five ...

3. Arizona car insurance laws - AOL

   www.aol.com/finance/arizona-car-insurance-laws...

   Gap insurance: this optional coverage will pay the difference between your totaled car’s actual cash value and the amount you still owe on your car loan if that is a higher amount than the car ...

4. Minimum car insurance coverage requirements in each state - AOL

   www.aol.com/finance/minimum-car-insurance...

   *Florida only requires PDL and PIP. Minimum BI limits are 10/20 if you do purchase coverage. Drivers who have caused an accident involving bodily injury or death or received certain citations may ...

5. 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.

6. 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".

7. Condition of average - Wikipedia

   en.wikipedia.org/wiki/Condition_of_average

   Illustration of the partial payout of Sum Insured against probability of occurrence. Condition of average (also called underinsurance [1] in the U.S., or principle of average, [2] subject to average, [3] or pro rata condition of average [4] in Commonwealth countries) is the insurance term used when calculating a payout against a claim where the policy undervalues the sum insured.

8. 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 ...

9. Solvency ratio - Wikipedia

   en.wikipedia.org/wiki/Solvency_ratio

   The solvency ratio of an insurance company is the size of its capital relative to all risks it has taken. The solvency ratio is most often defined as: ... The solvency ratio is a measure of the risk an insurer faces of claims that it cannot absorb. The amount of premium written is a better measure than the total amount insured because the level ...