Notes

1. ^ This discussion is adapted from Mehr and Camack “Principles of Insurance”, 6^th edition, 1976, pp 34 – 37.
2. ^ "Insured cars by state". Insurance Information Institute. http://www.economicinsurancefacts.org/economics/state/insuredcars/.
3. ^ C. Kulp & J. Hall, Casualty Insurance, Fourth Edition, 1968, page 35
4. ^ However, bankruptcy of the insured does not relieve the insurer. Certain types of insurance, e.g., workers' compensation and personal automobile, are subject to statutory requirements that injured parties have direct access to coverage. Ibid, page 35
5. ^ Ibid, page 35
6. ^ Fitzpatrick, Sean, Fear is the Key: A Behavioral Guide to Underwriting Cycles, 10 Conn. Ins. L.J. 255 (2004).
7. ^ See, e.g., Vaughan, E. J., 1997, Risk Management, New York: Wiley.
8. ^ Insurance Information Institute. "Business insurance information. What does a business owners policy cover?". http://www.iii.org/individuals/business/basics/bop/. Retrieved on 2007-05-09.
9. ^ Insurance Information Institute. "What is auto insurance?". http://www.iii.org/individuals/auto/a/whatis/. Retrieved on 2008-11-11.
10. ^ Insurance Information Institute. "What is homeowners insurance?". http://www.iii.org/individuals/homei/hbasics/whatis/. Retrieved on 2008-11-11.
11. ^ U.S. Patent Application 20060287896 “Method for providing crop insurance for a crop associated with a defined attribute”
12. ^ Margaret E. Lynch, Editor, "Health Insurance Terminology," Health Insurance Association of America, 1992, ISBN 1-879143-13-5
13. ^ http://www.ifsl.org.uk/upload/Insurance%20Update%202008.pdfPDF (365 KB) page 16
14. ^ Gregory D. Squires (2003) Racial Profiling, Insurance Style: Insurance Redlining and the Uneven Development of Metropolitan Areas Journal of Urban Affairs Volume 25 Issue 4 Page 391-410, November 2003
15. ^ Insurance Information Institute. "Issues Update: Regulation Modernization". http://www.iii.org/media/hottopics/insurance/ratereg/. Retrieved on 2008-11-11.
16. ^ (Source: Insurance IP Bulletin, December 15, 2006)
17. ^ Mark Nowotarski "Patent Q/A: Peer to Patent", Insurance IP Bulletin, August 15, 2008
18. ^ Bakos, Nowotarski, “An Experiment in Better Patent Examination”, Insurance IP Bulletin, December 15, 2008