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2. California car insurance laws - AOL

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

   In this breakdown of California’s insurance laws, you’ll learn about coverage requirements, low-income insurance programs, penalties for driving without insurance and more. Car insurance laws ...

3. California auto insurance rates are skyrocketing: Here's why ...

   www.aol.com/news/california-auto-insurance-rates...

   California is as car crazy as ever, with insurance rates increasing to match. Data analyzed by the insurance comparison website Insurify showed the average annual cost of full coverage in ...

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. 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".

6. 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.

7. Changes to California home, auto insurance rate process ... - AOL

   www.aol.com/changes-california-home-auto...

   Insurance Commissioner Ricardo Lara announced the update during a hearing Wednesday in front of state lawmakers. Changes to California home, auto insurance rate process expected to be unveiled ...

8. 1988 California Proposition 103 - Wikipedia

   en.wikipedia.org/wiki/1988_California...

   According to the California Insurance Commissioner, Proposition 103 "has saved consumers billions" since being implemented, specifically a $4.29 billion per year dividend. [7] It also claims "Californians spent 0.3% less on auto insurance in 2010 than they spent in 1989, while the nation spent 43.3% more".

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 ...