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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
Publications Settling insurance claims after a disaster

If you have been affected by a recent disaster such as the wildfires in California, you might have some questions about how the insurance claims process works. This article details what you need to know about how to file a claim, how the claim process works, what's covered and what's not. See also: What is covered by standard homeowners insurance?

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New and Trending

Auto Insurance Nine ways to lower your auto insurance costs

One of the best ways to keep your auto insurance costs down is to have a good driving record, but there are some other things you can do, such as shop around, buy homeowners and auto coverage from the same insurer and ask for higher deductibles. 

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Insight + Analysis

Commercial Small business, big risk: Lack of cyber insurance is a serious threat

Cyber incidents hit one of every 10 U.S. small businesses last year yet only 31 percent of them have cyber insurance, according to the Insurance Information Institute and J.D. Power 2018 Commercial Cyber Insurance and Security Spotlight Survey℠. Also see: Helping consumers understand the value of cyber insurance

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I.I.I. Glossary

B-SHARE VARIABLE ANNUITY- A form of variable annuity contract with no initial sales charge but if the contract is cancelled the holder pays deferred sales charges (usually from 5 to 7 percent the first year, declining to zero after from 5 to 7 years). The most common form of annuity contract.

RISK-BASED CAPITAL- The need for insurance companies to be capitalized according to the inherent riskiness of the type of insurance they sell. Higher-risk types of insurance, liability as opposed to property business, generally necessitate higher levels of capital.

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Thought Leadership

I.I.I. News Wire

Stand-alone Cyber Insurance Can Save Unprepared Small Businesses, Survey Finds

FOR IMMEDIATE RELEASE Sheena Bermingham, Coburn Communication: (212) 730-7045; sheena.bermingham@coburnww.com    Insurance Information Institute New York Press Office: (212) 346-5500; media@iii.org NEW YORK (October 18, 2018)— Cyber incidents hit one of every 10 U.S. Read More

MEDIA ADVISORY: I.I.I. Experts Are Available to Discuss Hurricane Michael Recovery  

FOR IMMEDIATE RELEASE Kim Kirchner, Coburn Communication: (212) 536-9837; Kim.Kirchner@coburnww.com   New York Press Office: (212) 346-5500; media@iii.org   NEW YORK, October 11, 2018 — Reporters covering Hurricane Michael’s aftermath are encouraged to contact the Insurance Informatio… Read More

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