Preface

About This Publication
About the Ohio Insurance Institute
What Insurance Means to Ohioans

Chapter One: Automobile Insurance

Auto Insurance: An Overview
Factors That Affect Auto Insurance: From a Company Standpoint
Factors That Affect Auto Insurance: From a Consumer Standpoint
Factors That Affect Auto Insurance: Age and Its Impact
Factors That Affect Auto Insurance: Hospital and Medical Costs
Auto Insurance Markets
1998 Passenger Vehicles Insured Through Voluntary and Involuntary Plans by State
2000 Auto Insurance Premiums in Selected Ohio Cities
1998 US Auto Insurance Premiums by State
Where the Auto Insurance Premium Dollar Goes in Ohio and US
Auto Repair Costs in Selected Ohio Cities 1996 vs. 2000
How to Save Money on Auto Insurance
Competitive Auto Replacement Parts
Average Auto Repair Cost Comparisons for Specific Parts—1997 vs. 2001
Average New Car Expenditures—1995–99
1999 Top Selling Vehicles in the US
1999 Top Selling Vehicles in the US by Type and Color
1998–99 Ohio Licensed Drivers by County
1998–99 Ohio Motor Vehicle Registrations by County
Airbag Update
Settling an Auto Insurance Claim

Chapter Two: Auto Crash Statistics

Ohio and US Crash Fatalities 1989–99
Crash Results for Late Model Vehicles
1999 Ohio Crash Frequency by County and Selected Cities
1999 Ohio Fatalities and Injuries by Type of Crash
1999 US Fatalities and Injuries by Type of Crash
1999 Ohio Crashes by Age and Gender
1999 US Crashes by Age and Gender
1998–99 Ohio Crash Fatalities by County
1999–99 Ohio Crash Injuries by County
1994–99 Ohio Uninsured Drivers at Fault in Crashes
1999 Ohio Deer-Vehicle Crashes by County

Chapter Three: Drinking and Driving Statistics

Ohio’s Drunk Driving Laws
1990–99 Alcohol-Related Crash Statistics for Ohio
Administrative License Suspension Statistics
DUI Repeat Offender Statistics
1998–99 Ohio Alcohol-Related Crash Statistics by County

Chapter Four: Property Insurance

Homeowners Insurance: An Overview
Ohio Fires 1995–1999
2000 Homeowners Insurance Premiums in Selected Ohio Cities
1997 Homeowners and Renters Insurance Premiums by State
Where the Homeowners Insurance Premium Dollar Goes in US
How to Save Money on Homeowners Insurance
1995–2000 Ohio and US Construction Costs
Ohio FAIR Plan
Insurance Provided by US FAIR Plans—1999
Flood Insurance
Average Snowfall in Ohio
Mine Subsidence Insurance
Tornadoes in Ohio and US
Cost of Catastrophes
Settling a Homeowners Insurance Claim

Chapter Five: Insurance-Related Crimes

Ohio Auto Thefts
US Auto Thefts
Arson: A Costly Crime
The Impact of Insurance Fraud
1997–99 Ohio Motor Vehicle Thefts by Selected Cities
1999 Top 10 Stolen Vehicles in Ohio and Selected Cities
1999 Top 10 Reported Stolen Vehicles in US and 1998–99 US Motor Vehicle Thefts by State
Ohio’s Crime Picture
US Crime Clock: 1995 and 1999

Chapter Six: Selected Insurance Laws

Ohio’s Financial Responsibility Law
Ohio’s Comparative Negligence Law
Child Safety Restraint Laws
Ohio’s Safety Belt Law
Auto and Homeowners Insurance Cancellation Laws
Speed Limit Laws
Ohio’s Point System for Traffic Violations
Graduated Licensing Law
Ohio’s Inspection Law for Salvage and Self-Assembled Vehicles
Banking Issues/Privacy Provisions of Gramm-Leach-Bliley
The McCarran-Ferguson Act: Regulating the Industry

Chapter Seven: General Reference

Top 10 P/C Companies by 1999 Premium Volume for Selected Lines
Ohio Insurers by Classification
Domestic P/C Insurance Companies in Ohio
Ohio and US Insurance Employment Statistics
Ohio and US Insurance Employment/Company/Premium Facts
Ohio Insurance Guaranty Association
1999–2000 Insurance Company Insolvencies by State
Ohio Department of Insurance Contacts
Ohio Insurance Trade Association Media Contacts
National Insurance Trade Association Media Contacts
National Insurance Regulatory Contacts
Phone Directory of Insurance, Regulatory and Safety-Related Organizations
Selected Insurance, Regulatory and Safety-Related Organization Websites
OII Website Guide: www.ohioinsurance.org
Insurance Rating Services
Glossary of Insurance Terms
OII Sound-Off Page