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	Definition of insurer - Merriam-Webster Online Dictionary
		Learn more about "insurer" and related topics at Britannica.com
		Find more about "insurer" instantly with Live Search
		See a map of "insurer" in the Visual Thesaurus
	www.m-w.com /cgi-bin/dictionary?book=Dictionary&va=insurer (26 words)

	Insurance - Wikipedia, the free encyclopedia
		This legal contract sets out terms and conditions specifying the amount of coverage (compensation) to be rendered to the insured, by the insurer upon assumption of risk, in the event of a loss, and all the specific perils covered against (indemnified), for the term of the contract.
		In the event of a covered peril, the insurer pays the claimant the amount of loss according to the terms of the contract, in ordinary circumstances, which may amount to the cost of replacing or repairing the home.
		When averaged, the total claims expense paid by an insurer should be less than the total premiums paid by their policyholders, with the difference allocated to overhead and profit.
	en.wikipedia.org /wiki/Insurer (5098 words)

	IRMI - Understanding Insurer Financial Ratings (Site not responding. Last check: )
		Analyzing insurers' overall performance and financial strength is a task that requires specialized skills and a complete understanding of all aspects of insurance operations.
		Standard and Poorâ€™s assigns an insurer financial strength rating to reflect its opinion of an insurerâ€™s financial capacity to meet policyholder obligations in accordance with the terms of its insurance policies and contracts.
		While insurers may provide input into the information gathering process, Weiss does not allow insurers to delay the publication of a rating or influence their specifically assigned rating.
	www.irmi.com /Insurer/InsurerInfo/Understanding.aspx (3241 words)

	Group Annuity Contracts, Transfer of Assets (Site not responding. Last check: )
		The governmental entity ("Contract Holder") is dissatisfied with the level of service being provided by the current insurer and desires to transfer all or a portion of the assets from that insurer to another insurer.
		group annuity contract, except when an agent, broker or insurer directly solicits the certificateholder for the new coverage and a portion of the premium or consideration is borne, directly or indirectly, by the certificateholder;.
		Accordingly, only if the proposed change in insurers is a result of a direct solicitation of the certificate holder by either the new insurer or an agent thereof, would Regulation 60 would be applicable to the transaction.
	www.ins.state.ny.us /rg040601.htm (817 words)

	An employee's guide to the Minnesota work comp system
		The insurer must start paying wage-loss benefits within 14 days of the date your employer was informed about your work injury and lost wages.
		You or the insurer may ask for a second opinion for any surgery that is not an emergency.
		Some employers or insurers have contracted with a managed care plan or network of doctors who are not certified by the department.
	www.doli.state.mn.us /guide.html (2993 words)

	InsWeb Insurance Glossary Insurance Terms (Site not responding. Last check: )
		As an example, an insurer might accept coverage on property that would not normally meet its underwriting standards, if the other lines of insurance which it carries for the customer were profitable.
		A representative of the insurer who seeks to determine the extent of the firm's liability for loss when a claim is submitted.
		His right to exercise various functions, his authority, and his obligations and the obligations of the insurer to the agent are subject to the terms of the agency contract with the insurer, to statutory law, and to common law.
	www.insweb.com /learningcenter/glossary/general-a.htm (2049 words)

	Nevada Revised Statutes: Chapter 616C
		NRS 616C.065 Insurer to commence payment of claim or deny claim within certain time after insurer notified of industrial accident; notification of claimant and Administrator of denial of claim; penalty for unreasonable delay or refusal to pay claim.
		If the insurer that initially provides compensation to the injured employee is not held responsible for payment of the claim, the insurer that is held responsible shall reimburse that insurer within 30 days after final resolution of the issue of responsibility for payment of the claim.
		The insurer and the Administrator are not subrogated to the rights of an injured employee or his dependents under a policy of uninsured or underinsured vehicle coverage purchased by the employee.
	www.leg.state.nv.us /NRS/NRS-616C.html (11275 words)

	Consumer Frequently Asked Questions
		An insurer is permitted to consider all resident operators of an insured vehicle in the rating of an automobile policy, including a child, although he/she may only have a learner's permit.
		This is because insurers are permitted to use classifications that reflect a possible exposure for liability on the part of the insurer, in the event that bodily injury or property damage occurs due to that child's operation of the vehicle.
		Insurers are required after April 5, 2002, to issue new prescribed endorsements for all new and renewal policies which contain the new requirements.
	www.ins.state.ny.us /faqcs1.htm (10949 words)

	McKissock & Hoffman, P.C. \| Attorneys at Law (Site not responding. Last check: )
		It found that the insurer had not acted in bad faith by requiring a release or seeking arbitration because the policy provided for arbitration in the event that the parties "do not agree as to the amount of damages", and there was a dispute between the parties as to the amount owed to the plaintiff.
		The court concluded that therefore, the insurer did not have a reasonable basis for refusing to defend and recklessly disregarded the clear absence of a reasonable basis, and summary judgment was entered in the insured’s favor.
		The court reasoned that the insurer’s obligation to pay was contingent on the insured’s continued care by a physician and inability to perform the regular duties of his employment, and that the insured had presented no evidence that the insurer’s conduct was frivolous, unfounded or motivated by ill will or reckless disregard of his interests.
	www.mckhof.com /p_badfaith.htm (13780 words)

	Bureau Of Insurance FAQ - State of Maine
		During the first 60 days of the initial policy, an insurer may decide to cancel a policy for any reason that is not otherwise prohibited by Maine law.
		The insurer is entitled to be familiar with the property being insured.
		As the insurer is providing coverage for losses occurring at your premises or as a result of your business operations, it has a vested interest in the exposures that are likely to lead to a loss.
	www.state.me.us /pfr/ins/ins_faq.htm (11344 words)

	The Insurance Act
		93(4) Upon an application for a permit under this section the insurer shall furnish to the superintendent evidence of its approval and adoption of the form of policy to be issued through the underwriter's agency and of the authority of the agency to bind the insurer.
		102 The amount payable to the liquidator or the provisional liquidator for the winding-up of the insurer, and all costs and expenses incurred by him or her in the winding-up, shall be paid from, and shall be a first charge on, the assets of the insurer, except as provided in subsection 97(3).
		110(2) In addition, where an insurer violates the prohibitions of, or fails to comply with the requirements of, or is guilty of an offence under, this Act, the Lieutenant Governor in Council may, upon the report of the superintendent, suspend or cancel the licence of the insurer.
	web2.gov.mb.ca /laws/statutes/ccsm/i040e.php (9786 words)

	Old Title Insurance Law (Site not responding. Last check: )
		A domestic title insurer shall establish and maintain an unearned premium reserve computed in accordance with this section, and all sums attributed to such reserve shall at all times and for all purposes be considered and constitute unearned portions of the original premiums.
		The deposit required by section 381.051 and the capital, surplus and unearned premium reserve of domestic title insurers shall be held in either cash or investments now or hereafter permitted to domestic life insurers with regard to their capital, reserve and surplus for reserve deposit.
		For purposes of determining the financial condition of such title insurer, title plants will be treated as an asset valued at actual cost to the title insurer, not to exceed fifty percent of the surplus as to policyholders as shown on the most recent annual statement of the title insurer.
	www.insurance.state.mo.us /laws/381title.htm (4199 words)

	"FBIC Bad Faith FAQ"
		Insurers must always meet the reasonable expectations of the policyholder as well as give as much if not more consideration to the financial interests of its Insureds than it does to its own financial interests.
		Insurers have the right to deny a claim where the Insured has not lived up to the insurance contract, or where the claim is not covered by the policy or is fraudulent.
		If the Court finds the Insurer to have acted in bad faith, the Insured is eligible to recover the benefits of the policy for the claim as well as all consequential losses and damages it suffered as a result of the Insurer wrongfully denying the claim including damages for emotional distress.
	www.badfaithinsurance.org /badfaith_faq.html (1292 words)

	Maynard v. State Farm Insurance Co. (9/29/95), 902 P 2d 1328
		Conflict of interest Maynard contends that allowing reimbursement would create a conflict of interest for the insurer which is untenable in light of the fiduciary obligations which it owes to its insured.
		Enforcement of the provision is not the functional equivalent to suit against one to whom the insurer owes an indemnity obligation.
		In that case, the insurer consistently maintained in its summary judgment briefing, testimony at trial, and argument over proposed jury instructions, that only a particular exclusion applied, and on only one occasion suggested that any other exclusion might apply.
	touchngo.com /sp/html/sp-4261.htm (3155 words)

	Washington Publishing Company :\|: EDI :\|: HIPAA :\|: XML
		Although policyholder data sent in an 811 from an insurer to the state agency is syntactically correct, according to the ASC X12 standards, an error may occur in the application level data when the state processes the transaction.
		When errors are discovered and are reported back to the insurer, the entire policy record and all of its data must be transmitted in the 811 back to the insurer.
		It is important for the state to send the entire ‘‘record in error’’ to the insurer to enable the insurer to locate the record and activity since the original transmission date.
	www.wpc-edi.com (1015 words)

	Municipal Bond Insurance
		Bond ratings are based on the credit of the insurer rather than the underlying credit of the issuer.
		There are presently six insurers rated triple-A by the three major rating agencies.
		Recently, insurers with claims paying ability that is lower than triple-A have entered the market.
	www.munibondadvisor.com /BondInsurance.htm (649 words)

	Hodge v. Kirkpatrick Development, Inc. (State Farm General Ins., Co.) (2005) [ Cal.App.4th ] (Site not responding. Last check: )
		The court held dismissal of the insurer's intervention complaint was erroneous because the insurer, having timely intervened, was entitled to proceed with the lawsuit notwithstanding the insured's failure to timely file the proof of service of summons.
		A subrogated insurer's right to intervene should not depend on a predetermination whether the defense of splitting a cause of action will succeed; it is enough the defense is available in a second lawsuit and may, in the statute's words, "as a practical matter impair or impede" (Code Civ.
		Denying the subrogated insurer the right to intervene because of the mere possibility the responsible third party might withhold or waive the defense of splitting a cause of action in a second lawsuit would give that third party the ability to force the insureds and the insurers to pursue their claims through two separate lawsuits.
	fsnews.findlaw.com /cases/ca/caapp4th/slip/2005/g034361.html (4472 words)

	Cheap Auto Insurance Quotes
		With longer policies, the insurer can spread out the administrative costs of writing the policy over a longer period of time.
		However, be aware that most insurers have specific procedures that you must follow in order to do so.
		When you cancel before the end of the policy there may be a penalty, but not all auto insurers penalize you for early cancellation.
	www.spendonlife.com /auto_insurance (599 words)

	Wis. Labor and Industry Review Commission - Home Page
		However, the court rejected the commission's argument that pursuant to the employer's joint and several liability with its liquidated WC insurer, the employer was liable to reimburse the applicant's nonindustrial group health insurer for medical expense it had paid.
		The Wisconsin Insurance Security Fund (involved in the case because the employer's WC insurer had been liquidated) argued there was a nonindustrial cause, but the commission and the court rejected this.
		The commission interprets the court's explanatory statement that Kallstrom's right to compensation was "not at stake" to mean that BPA must absorb the loss and cannot come after Kallstrom personally for the medical expenses paid.
	www.dwd.state.wi.us /lirc (568 words)

	IRMI - Insurer Information
		Cheap insurance premiums are no bargain if your insurer is not there when you have a loss; it is crucial to do business with financially stable insurers.
		There are a handful of companies that assign financial ratings to insurance companies around the world or will that perform a financial review on a consultative basis.
		Each profile describes the insurer's operations (whether consolidated or unaffiliated) and provides a 1-year financial summary and a 5-year history of net premiums written and policyholder surplus.
	www.irmi.com /Insurer (295 words)

	Chapter 731 — Administration and General Provisions
		(3) An exempt insurer shall be subject to ORS 731.296 to 731.316, 731.414, 731.418, 731.574, 731.988, 731.992, 733.010 to 733.115, 733.140 to 733.210, 743.703, 746.075 and 746.110.
		(1) An “authorized” insurer is one authorized by a subsisting certificate of authority to transact insurance in this state.
		731.126 “Reinsurance.” “Reinsurance” means a contract under which an originating insurer, called the “ceding” insurer, procures insurance for itself in another insurer, called the “assuming” insurer or the “reinsurer,” with respect to part or all of an insurance risk of the originating insurer.
	landru.leg.state.or.us /ors/731.html (4756 words)

	"FBIC Rates Insurers Records To Pay-Not Pay Claims"
		This Insurer's Ranking Was Significantly Downgraded As Of April 2004 To An "Unsatisfactory-Bad" Record and further downgraded April 2005 to a "Bad" Record Rating.
		FBIC then uses a comparative complaint ratio defined by a decimilized index system for the bad faith insurers which at this point are grouped at the bottom of the list maintaing its numeric decimalized complaint ratio which determines each insurer's ranking.
		When research information indicates for insurer(s) that no bad faith insurance practices are found to exist, accordingly such perceived good faith insurers are automatically awarded a bonus and conversely placed to the higher end of the top half of the good faith insurer list using the same complaint ratio system.
	www.badfaithinsurance.org /indexdetaillist.html (3567 words)

	insurer: Blogs, Photos, Videos and more on Technorati
		NIB - National growth a feature of NIB’S 2007 Results Source: NIB Australia’s first private health insurer to pursue demutualisation and listing on the Australian Securities Exchange, NIB Health Funds Limited (NIB), today released its financial results for the 12 months ended 30 June 2007.
		Filed under: aetna health, health plans, insurer, jersey regulators, network provider The Associated Press reports that the New Jersey Department of Banking and Insurance fined Aetna Health Inc.
		Filed under: insurer, P4P, regence blueshield The Washington Post has an article profiling a number of doctors who were the victims of data errors and other problems with P4P systems.
	www.technorati.com /tag/insurer (518 words)

	Insure.com: Standard & Poor's Insurer Profiles (Site not responding. Last check: )
		Standard and Poor's analysts regularly prepare detailed reports on insurers that provide background, financial information, and explanations of the financial strength ratings issued on the insurer by Standard and Poor's.
		Standard and Poor's ratings and other assessments of creditworthiness and financial strength are not a recommendation to purchase or discontinue any policy or contract issued by an insurer or to buy, hold, or sell security issued by an insurer.
		In addition, neither a rating nor an assessment is a guaranty of an insurer's financial strength.
	info.insure.com /ratings/profiles (211 words)

	[No title]
		The Coordination of Benefits (COB) Contractor is available to make presentations to large insurer groups to fully explain the insurer’s obligations under Medicare Secondary Payer (MSP) laws.
		Representatives of the COB Contractor and the Centers for Medicare and Medicare Services (CMS) will provide educational sessions regarding MSP and the Voluntary Data Sharing Agreement (VDSA) program.
		Medicare Secondary Payer - Details the insurer’s responsibilities under the MSP law and the COB Contractor’s role in the MSP process.
	www.cms.hhs.gov /InsurerServices/03_insureroutreach.asp (201 words)

	Insure.com - financial strength ratings (Site not responding. Last check: )
		One important consideration is the financial strength of the insurer.
		Financial strength ratings represent an analysis of a wide variety of risks that could affect an insurer's long-term survival.
		Insurance companies can fail or cease to operate due to inadequate financial capabilities, competitive forces, or changing fundamentals in their marketplaces.
	info.insure.com /ratings (108 words)

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