Our Promise

We are the Insurance Information Institute. Since 1960, the "Triple I" has had a single mission: To improve public understanding of insurance—what it does and how it works. We are here to serve everybody: consumers; students and educational institutions; insurance professionals; government and regulatory organizations; and the media. Learn More
A rocky road so far: Recreational marijuana and impaired driving

Marijuana legalization is spreading. What does this mean for traffic safety? This report examines the current state of knowledge related to marijuana impairment: its effects on driving abilities, how traffic safety might be impacted, and how states are grappling with the issue of “stoned driving.”

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Disasters + Preparedness In case of a flood

Floods occur in every region and 90 percent of all natural disasters the United States involve some type of flooding. Preparedness is paramount when it comes to encroaching floodwaters. Here are precautionary steps to take well before the threat of a flood is upon you.

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Insight + Analysis

Florida's assignment of benefits crisis

The state’s legal environment has encouraged vendors and their attorneys to solicit unwarranted AOBs from tens of thousands of Floridians, conduct unnecessary or unnecessarily expensive work, then file tens of thousands of lawsuits against insurance companies that deny or dispute the claims. This mini-industry has cost consumers billions of dollars as they are forced to pay higher premiums to cover needless repairs and excessive legal fees. Download the full report here. Download PowerPoint here.

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I.I.I. Glossary

COMPETITIVE STATE FUND- A facility established by a state to sell workers compensation in competition with private insurers.

RATING BUREAU- The insurance business is based on the spread of risk. The more widely risk is spread, the more accurately loss can be estimated. An insurance company can more accurately estimate the probability of loss on 100,000 homes than on ten. Years ago, insurers were required to use standardized forms and rates developed by rating agencies. Today, large insurers use their own statistical loss data to develop rates. But small insurers, or insurers focusing on special lines of business, with insufficiently broad loss data to make them actuarially reliable depend on pooled industry data collected by such organizations as the Insurance Services Office (ISO) which provides information to help develop rates such as estimates of future losses and loss adjustment expenses like legal defense costs.

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I.I.I. News Wire

Severe Weather in U.S.’s Upper Midwest Is Winter’s Biggest Insurance Event

For immediate release New York Press Office: (212) 346-5500; media@iii.org NEW YORK, March 14, 2019—Auto and home owners who incurred property damage because of this week’s intense winds and blizzard conditions should contact their insurance professional about filing a claim, according to the Insura… Read More

I.I.I. Study Starts Ringing Alarm Bells On Marijuana Legalization and Impaired Driving

For immediate release New York Press Office: (212) 346-5500; media@iii.org   NEW YORK, March 13, 2019 –Given that 10 states allow the sale of recreational marijuana, U.S. Read More

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