Theoretically, it is because insurance companies are paying consumers losses.
Unfortunately, that isn't always the case. As discussed here, some
extra costs often push up insurance rates. Rarely are these expenditures
required and benefiting policyholders. Many other expenses incurred (i.e.,
slick television ads and lobbying state officials) do not significantly
add consumers' value. In addition, insurance companies will hire very
expensive lawyers like, Steven Bader, that do very little other than try
to demean and belittle policyholders. Attorneys like Badger sometimes
charge $30,000 for a single court hearing. Unfortunately, policyholders
cannot select which expenditures they will finance. Insurance is a take-it-or-leave-it
proposal. Policyholders can manage expenses by shopping. Each insurance
carrier has a different expense ratio, the dollar cost of all fees other
than the premium (revenue) ratio.
The percentages of loss and cost are grouped into a combined balance or
number of all losses and expenses divided by the overall premium. Lower
numbers are better: if a carrier has a combined ratio of less than 100,
that means they make a profit on their operations (known as profit underwriting).
A loss ratio above 100 indicates the carrier loses money on its operations.
The net loss cost plus costs are not entirely compensated by the premiums
it receives. Premiums are invested before they need to pay claims. This
investment gain will cover the company's underwriting losses. (This
is the standard for longer-tailed lines, such as workers' compensation,
where the final resolution of lawsuits can take years.)
Insurance firms operate to make profits. Due to a collection of losses
and costs, their actuaries conduct extensive statistical analysis to decide
what premium to charge. In the long run, they usually get it right more
frequently than they get it wrong, and insurance firms continue to work,
often for decades. It's good news. However, policyholders only want
to pay the premium they need to cover their losses and expenses. As a
consumer, you select which insurance carrier you want to do business with.
If you are sufficiently entrepreneurial, you can also compare various
carriers' cost ratios as part of your overall selection criteria.
Carriers with higher expense ratios can provide extra value worth paying
for - or not. As a customer, you can buy cover from which insurance providers.
You can't, however, pick which carrier expenses you'll pay. High
insurance rates, driven in part by higher expenses, create opportunities
for nimble conventional insurers, reinsurers, technology companies, insurance
entrepreneurs, and non-traditional rivals. Using state-of-the-art technology,
process changes, and cost efficiencies can be gained to reduce insurer
costs. Beyond incremental changes, a new model could emerge to provide
a similar risk transfer degree (downside protection) without the waste
currently plaguing the insurance ecosystem.
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Are you covered if you hit a deer?
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At what age does car insurance get cheaper?
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At what ages does car insurance go down?
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Can a homeowners insurance claim be withdrawn?
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Can anyone drive my car if I have full coverage?
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Can Home Insurance raise rates after claim?
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Can I cancel insurance after a claim?
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Can I still sue after a settlement?
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Can I sue my mortgage company for not paying my insurance?
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Can insurance claims be reopened?
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Can someone sue you after insurance pays?
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Can you cancel an accident claim?
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Can you negotiate with insurance adjusters?
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Can you prove a hit and run?
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Can you reopen a case after settlement?
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Can you request a different claims adjuster?
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Can you sue for property damage in a car accident?
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Can your car be totaled from water damage?
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Can't get homeowners insurance because of claims?
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Do claims adjusters get bonuses?
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Do cops look for hit and run?
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Do I have to pay a deductible for a hit and run?
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Do I have to repair my home with an insurance check?
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Do I need limited property damage?
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Do insurance adjusters lie?
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Do insurance companies check past claims?
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Do you have to pay a deductible for a total loss?
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Do you need to call police if you hit a deer?
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Does a total loss affect credit?
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Does AAA cover hitting a deer?
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Does Allstate own Liberty Mutual?
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Does being retired affect car insurance?
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Does credit score affect car insurance?
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Does filing a home insurance claim hurt you?
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Does full coverage cover a hit and run?
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Does getting a ticket Raise your insurance?
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Does home insurance cover cracked walls?
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Does homeowners policy cover water damage?
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Does seller have to fix mold?
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Does State Farm cover spoiled food?
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Does State Farm settle before court?
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Does Triple A cover hit and run?
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Does your homeowners insurance go up after a claim?
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How are claims adjusters paid?
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How can I get more money on my home insurance claim?
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How can I lower my insurance after an accident?
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How can I maximize my water damage claim?
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How can you make your insurance cheaper?
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How can you tell if a car has water damage?
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How do cops find hit and run?
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How do I file a homeowners insurance claim with State Farm?
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How do I settle a property damage claim?
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How do I stop my car from hitting my house?
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How do I talk to a home insurance claims adjuster?
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How do insurance companies determine settlement amounts?
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How do you argue with an insurance adjuster?
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How do you know if mold is in the walls?
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How does a property damage claim work?
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How does hit and run affect insurance?
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How expensive is mold removal?
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How fast does Liberty Mutual pay claims?
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How is a settlement paid out?
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How is property damage calculated?
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How long do you have to file a property damage claim?
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How long does a homeowners insurance claim stay on your record?
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How long does an insurance claim stay on your record?
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How long does an insurance company have to close a claim?
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How long does it take State Farm to pay a settlement?
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How long must providers retain copies of government insurance claims?
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How many claims does an adjuster handle?
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How many home insurance claims is too many?
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How many homeowners claims before State Farm drops you?
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How much do progressive claims adjuster trainees make?
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How much does a ticket raise insurance?
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How much does AAA insurance go up after an accident?
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How much does it cost to fix a flooded engine?
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How much is AAA car insurance a month?
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How much is Geico insurance a month?
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How much is property damage insurance?
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How much is the cheapest car insurance per month?
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How much property damage should I carry?
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How often does the average homeowner file a claim?
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Is AAA a good car insurance?
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Is AAA better than State Farm?
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Is AAA cheaper insurance?
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Is AAA cheaper than Allstate?
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Is AAA good home insurance?
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Is Allstate a good insurance?
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Is Allstate better than Geico?
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Is being a claims adjuster stressful?
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Is hitting a pole a hit and run?
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Is it bad to file a home insurance claim?
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Is it worth claiming on house insurance?
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Is it worth going to court for a speeding ticket?
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Is Liberty Mutual better than Geico?
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Is Liberty Mutual Insurance any good?
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Is mold damage covered by homeowners insurance?
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Is there a deductible for property damage?
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What happens if my car is totaled and I still owe?
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What happens if you don't accept a settlement?
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What happens if you get water in your air intake?
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What is a good settlement offer?
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What is included in property damage?
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What is it called when someone damages your property?
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What is sudden and accidental water damage?
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What should I do if I hit a car?
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What state has the most insurance claims?
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What to do if water leaks through the ceiling?
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What type of insurance covers a hit and run?
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What Will insurance cover for water damage?
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When should you file a home insurance claim?
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Which age group pays the most for car insurance?
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Which insurance companies only ask for 3 years claims history?
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Who are the top 3 insurance companies?
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Who has the cheapest car insurance for seniors?
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Who is the largest car insurance company?
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Who pays for damages in a no fault state?
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Who really has the cheapest car insurance?
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Why are some insurance companies more expensive?
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Why do insurance companies lowball?
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Why does home insurance go up after a claim?
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Why is AAA insurance so cheap?
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Why is Allstate so cheap?
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Why is Liberty Mutual so cheap?
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Why is my car insurance so high with a clean record?
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Why is progressive so cheap?
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Will a car run after being submerged in water?
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WILL HIT AND RUN increase my insurance?
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Will home insurance go up if I file a claim?
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Will insurance cover hitting a curb?
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