Categories (below):
- PIP (personal injury protection) motor vehicle insurance
- Citizens Property Insurance Corporation (Citizens)
- Florida Hurricane Catastrophe Fund (FHCF, Cat Fund)
- Property Insurance - General
- General Insurance & Regulation
- Workers Compensation & Other Commercial Lines
- Bad Faith & Tort Reform
- Health Care
- Life & Annuities
1. PIP (personal injury protection) motor vehicle insurance
- Insurance Consumer Advocate - 2010 PIP Roundtable.
- Auto Insurance Fraud in Florida - Lynne McChristian, Insurance Information Institute (III) (Oct. 2010).
- Office of Insurance Regulation - Report on PIP Data Call (April 2011).
- Office of Insurance Regulation - Presentation to Cabinet (Aug. 2011).
- Office of Insurance Regulation - Presentation to Senate Banking & Insurance Committee (Oct. 2011).
- Senate Banking & Insurance Committee - Staff Report on PIP (Aug. 2011).
- Division of Insurance Fraud - Annual Report 2010-2011 (Oct 2011).
- PCI: "Florida’s Automobile No Fault Insurance: A System Under Siege by Fraud and Abuse" (Oct. 2011).
- Division of Insurance Fraud - PIP Source.
- PCI's InsuranceFraudUncovered.com.
- Governor Scott's PIP Insurance Video – Samples of stories he’s heard from Floridians as he’s traveled the state (Nov
- Insurance Consumer Advocate - 2011 PIP Working Group
- Insurance Consumer Advocate Westcott's Cabinet Presentation (Nov. 2011).
- Florida Chamber Urges Policymakers to Address PIP Lawsuit Abuse (Nov. 2011).
- FCAN: Florida Consumer Action Network's Report – Evaluation of Data Collected by the Florida Office of Insurance Regulation in Response to April 2011 PIP Data Call, submitted by Lorilee A Medders, PhD (Nov. 2011).
- Insurance Consumer Advocate, Report of PIP Working Group – (Dec. 2011).
- Workable Solutions for Florida’s Challenging Insurance Problems (The James Madison Institute, Jan. 2012).
- Highway Patrol stages PIP crash for Governor and CFO (Feb. 2012).
- Insurance Consumer Advocate's Updated Report to Legislature (Mar. 1, 2012).
- Notice of PIP fee schedule per House Bill 119 - OIR Informational Memo OIR-12-02M (May 4, 2012).
- Draft Report on PIP Savings - OIR's Statement and accompanying draft report of Pinnacle Actuarial Resources, Inc. on Impact Analysis of HB 119 (Aug. 2012).
- Automobile Insurance Fraud Strike Force - established under 2012 House Bill 119, to monitor fraudulent activity in the marketplace and identify resources to proactively assist law enforcement, state attorneys and other partners in the fight against auto insurance fraud (Aug. 2012).
- Division of Insurance Fraud (DIF) presentation to Automobile Insurance Fraud Strike Force (Aug. 7, 2012).
- Impact Analysis of HB119 - independent actuarial study by Pinnacle Actuarial Resources, Inc. of savings expected from 2012 FL HB 119 (Aug. 20, 2012).
- OIR caveats on HB119 actuarial analysis - media release by OIR (Aug. 21, 2012).
- Lawsuit against HB119 - filed in Leon County state court against OIR Commissioner McCarthy, challenging provisions of HB119 that eliminate reimbursement for massage and acupuncture treatment and reduce reimbursement for chiropractic treatment (Sept. 19, 2012). *
- OIR Update on Auto Insurance Filings Pertaining to HB 119 - pending PIP rate filings for top 10 auto insurance writers (Oct. 9, 2012). *
- Citizens presentation to Senate Banking & Insurance Committee (Oct. 2011).
- Citizens - Senate Banking & Insurance Committee staff presentation (Sept. 2011).
- Citizens' Presentation to Financial Services Commission (Nov. 1, 2011).
- Initiatives to Reduce Citizens Exposure – Presentation of staff to Citizens Underwriting Committee (Nov
- Citizens' Chairman's Report to Financial Services Commission (Dec. 2011).
- Citizens Presentation to Financial Services Committee – Citizens CEO Scott Wallace's report on progress made in operational and underwriting changes to downsize Citizens (Jan. 18, 2012).
- Cabinet Initiatives to Reduce Citizens Exposure Status – Citizens staff presentation to Citizens Actuarial and Underwriting Committee (Feb. 7, 2012).
- Policyholder Assessment Example – Citizens' sample notice for new business, presented to Citizens Actuarial and Underwriting Committee (Feb. 7, 2012).
- Potential Assessments from Florida Hurricanes - Insurance Consumer Advocate, Actuary (Apr. 2, 2012).
- Layer Chart - PLA/CLA Estimated Liquidity & Claims‐Paying Resources (May 2012).
- Projected Claims Paying Ability (May 2012).
- Senate Bill 408 Sinkhole Analysis - actuarial study by ISO to estimate the impact of 2011 Senate Bill 408 ("SB 408") on prospective sinkhole loss experience for purposes of establishing indicated sinkhole rates as part of Citizens' 2013 rate filings (July 19, 2012).
- Depopulation Committee proposals - proposals submitted to the Depopulation Committee posted on Citizens website (July 26, 2012).
- Rate Filings for 2013 - Executive Summary - executive summary of Citizens' proposed rate filings for 2013 as presented to Board of Governors (July 27, 2012).
- Auditor General's Report - Operational Audit, Report No. 2013-011 (Aug. 2012).
- Surplus Note, Depopulation Proposal - approved in principle by Board of Governors (Sept. 7, 2012), background is item 03A, proposal is item 04A.
- Rate Hearing Press Kit - summary of Citizens' proposed rate increase proposal for 2013 (Sept. 20, 2012. *
- OIR announces more take-out approvals - nearly 300,000 policies may be removed from Citizens based on non-bonus takeout plans approved by OIR to date (Sept. 24, 2012). *
- Depopulation Committee Materials (Oct. 9, 2012) *
- FHCF presentation to Senate Banking & Insurance Committee (Sept. 2011)
- FHCF Proposed 2012 Legislation – FHCF's “right size” legislative proposal (Sept
- FHCF- Claims-Paying Capacity Estimates – Reports a potential shortfall of $3.2 billion during first year after storm (Oct. 2011).
- YouTube Video for Downsizing of Cat Fund – sponsored by Associated Industries of Florida and "other consumer, business and insurer organizations" (Jan. 18, 2012).
- Potential Assessments from Florida Hurricanes - Insurance Consumer Advocate, Actuary (Apr. 2, 2012).
- Claims-Paying Capacity Estimates - FHCF (May 2012).
- Q&A with: Jack Nicholson - Florida Current (Jun. 11, 2012).
- Bonding Program - FHCF.
- Notices of Petitions for Waiver or Variance - petitions and withdrawals filed by four homeowners insurers to be relieved of obligation to purchase TICL (Temporary Increase in Coverage Limit) optional reinsurance offered by Cat Fund – (Aug. 2012)
- Bonding Capacity Estimate for 2012-13 - indicating 1st-year bonding capacity estimate of $7 billion, bringing FHCF's estimated claims-paying capacity for initial season to $15.5 billion, which is $1.5 billion below total potential maximum claims-paying obligation of $17.0 billion (improving $1.75 billion from last year's estimate), before consideration of 2nd-year bonding capacity (Oct. 12, 2012). *
- RenaissanceRe presentation to House Insurance & Banking Subcommittee (Sept. 2011)
- American Strategic Insurance (ASI) presentation to House Insurance & Banking Subcommittee (Sept. 2011)
- III: Florida Insurance Markets at the Crossroads: Critical Issues in Property, Auto & Other Key Coverages in a Weak Economy – Presented by Insurance Information Institute's Bob Hartwig at the 5th Annual Insurance Summit, Florida Chamber of Commerce (Nov. 2011).
- Risk & Reform: A Florida TaxWatch Analysis of Florida's Property Insurance System - Florida TaxWatch (Nov. 2011).
- TaxWatch: Reducing the Concentration of Risk in Florida’s Property Insurance System – Florida TaxWatch's report that Florida's hurricane insurance system is underfunded and overexposed (Dec. 2011).
- FSU report: "The State of Florida’s Property Insurance Market 2011 – Prepared for the Florida Legislature by The Florida Catastrophic Storm Risk Management Center (Dec. 2011)
- Demotech: Impact of Storms on the Florida Property Insurance Market 1990-2010 (Dec. 2011).
- Demotech: Comparative Expense Study of Citizens Property Insurance Corporation (Jan. 2012).
- Workable Solutions for Florida’s Challenging Insurance Problems – by The James Madison Institute (Jan. 2012).
- Financial Stability Ratings, and Selected Financial Categories and Ratios for FL Property Insurers - Demotech (May 7, 2012).
- Presentations from OIR 2012 Industry Conference (June 14, 2012).
- State of the Florida Homeowners’ Insurance Market - presented by OIR Commissioner Kevin McCarty to Florida Cabinet (June 26, 2012).
- OIR Order 126368-12 re P&C Forms - exempting for one year the prior-approval requirements for property & casualty forms, subject to informational-filing requirements (June 26, 2012).
- FSC Opinion on public adjusters: Atwater v. Kortum (July 5, 2012) - holding that 2008 law that prohibited public adjuster-initiated contact with potential claimants during forty-eight-hour period following claim-producing event was unconstitutional violation of commercial speech under U.S. First Amendment.
- Top 25 U.S. Reinsurers in 2011 - as ranked by PC360 (July 27, 2012).
- Mitigating the Impact of Catastrophic Storms on the State of Florida - a study by Demotech, Inc. of Florida-domiciled property insurers. (Aug. 7, 2012).
- Historical U.S. Hurricanes That Would Cause $10 Billion or More in Insured Losses Today - by Karen Clark & Company (Aug. 21, 2012).
- Twenty Years of Progress: Advances in the Property Insurance Industry Since Hurricane Andrew - special report from Property Casualty Insurers Association of America (Aug. 22, 2012).
- Commercial Form Filing Exemption - OIR Order exempting through April 8, 2013 certain commercial policy forms from pre-approval requirements (4/9/2012).
- Notice of PIP fee schedule per House Bill 119 - OIR Informational Memo OIR-12-02M (May 4, 2012).
- III: How Insurance Supports the Florida Economy - the Florida version of presentation by Insurance Information Institute (May 2012).
- 2012 Insurance Regulation Report Card - R Street (June 4, 2012).
- Presentations from OIR 2012 Industry Conference (June 14, 2012).
- OIR Order 126368-12 re P&C Forms - exempting for one year the prior-approval requirements for property & casualty forms, subject to informational-filing requirements (June 26, 2012).
- "Choices" rate comparison, auto and homeowners lines - announcement by OIR that auto rates have been added to this online resource (Aug. 16, 2012).
- Division of Insurance Fraud (DIF) Annual Report 2011-2012 (Oct. 2, 2012). *
- NCCI Analysis of SB 1068, Proposal to Revise Reimbursement for Repackaged Drugs July 1, 2011.
- OIR Order on NCCI’s Workers’ Compensation Rate Filing, including comments on costs of physician-dispensed repackaged drugs (Oct. 2011).
- CFO's Report on State Workers Compensation Program Cost Drivers - including repackaged drugs (Nov. 16, 2011).
- NCCI's Florida Workers Compensation Market - presentation on repackaged drugs (Nov. 16, 2011).
- OIR 2011 Workers’ Compensation Annual Report (Dec. 2011).
- Commercial Form Filing Exemption - OIR Order exempting through April 8, 2013 certain commercial policy forms from pre-approval requirements (4/9/2012).
- Physician Dispensing in Workers’ Compensation - Florida media release - by Workers Compensation Research Institute, reporting that 62 percent of all prescription drug spending in Florida for injured workers was paid to physicians for drugs dispensed at their offices—not to pharmacies (July 19, 2012).
- Institute for Legal Reform: "Creating Conditions for Economic Growth - The Role of the Legal Environment" - Florida could save up to $3.2 billion and create up to 162,000 jobs by improving its legal environment (Oct. 2011).
- Florida Bar Journal article - "The Good Faith, Bad Faith, and Ugly Set-up of Insurance Claims Settlement" (Feb. 2011)
- Florida Bar Journal article - "Florida Insurance Bad Faith Law: Protecting Businesses and You" (Mar. 2011)
- Taxpayers Against Insurance Bad Faith website.
- William Hamm study - The Impact of Bad Faith Lawsuits on Consumers in Florida (Sept. 2010)
- "Judicial Hellholes" - South Florida
- TallyInsLaw.com blog posts on bad faith
- Florida Senate's Interim Report on “Bad Faith” – Report of Senate Judiciary Committee staff (Nov. 2011).
- Status of Federal Reform - a Florida perspective by Michelle Robleto, Deputy Insurance Commissioner, Life & Health, Florida Office of Insurance Regulation - presented to Florida Health Insurance Advisory Board (July 19, 2012).
- Consumer Resources for Life & Health Rate Filings - presentation to Florida Health Insurance Advisory Board (July 19, 2012).
- Florida Statewide Medicaid Managed Care: Long-term Care Managed Care Program - by David A. Rogers, Assistant Deputy Secretary for Medicaid Health Systems, Agency for Health Care Administration - presented to Florida Health Insurance Advisory Board (July 19, 2012).
- Health Choice Florida - by Rosa Naff Handout - presented to Florida Health Insurance Advisory Board (July 19, 2012).
- Social Services Estimating Conference - Estimates Related to Federal Affordable Care Act - draft report by FL Agency for Health Care Administration (Aug. 14, 2012).
- Long-term Care Managed Care Technical Advisory Workgroup Final Report (Aug. 21, 2012).
- Options for Florida Going Forward Under PPACA - Analysis by The James Madison Institute following decision of U.S. Supreme Court upholding Patient Protection & Affordable Care Act (Oct. 2012). *
- Allianz Life Insurance Co. multi-state settlement agreement and OIR press release (Sept. 4, 2012) regarding sale and marketing practices for fixed annuity products.
- Accelerated Death Benefits (ADB) In Life Insurance Policies - OIR presentation to Accelerated Life Benefits Work Group on ADB, policy provision that allows “death benefits” prior to death (Oct. 3, 2012). *
- Multi-state Regulatory Settlement Agreement with AIG life & annuity companies and OIR press release - Florida regulatory agencies joining multi-state agreement regarding use of U.S. Social Security Death Master File (DMF) to locate life and annuity beneficiaries (Oct. 2012). *
