Helpful Links


Helpful Links

This is by no means an exhaustive list of insurance resources, merely a list the library has put together to help our membership and the public in general. We are not responsible for any information found on websites outside of our own. While we will try to maintain a current list, there is always the possibility that links will change or no longer work. If this is the case please let us know. If you have questions, you’re welcome to contact us.

 

 

General Regulations/State Regulators

The National Association of Insurance Commissioners (NAIC) has a lot of regulatory information. To link to a specific state insurance department, you can go to: http://www.naic.org/state_web_map.htm.

 

Massachusetts Insurance Laws

Laws can be found on the web at: http://www.malegislature.gov/Laws/GeneralLaws/Search You can either link to a specific chapter or section, if you know the citation, or you can simply search the laws using keywords. Most (though not all) of the Insurance Laws are located in chapter 175.

 

Massachusetts Insurance Regulations

Regulations can be found on the Division of Insurance’s Website. To find the regulation in which you are interested you scroll through the citations.

Historical Massachusetts Regulations

The Secretary of State’s Office keeps the official historical record of the regulations in effect as of a particular time. They are the only legally recognized entity that can provide the requester with a certified copy of the regulation as of a certain date for legal/court purposes. Their phone number is 617-727-9136.

You can find the historical session laws on the Massachusetts State Library website (the center link is easiest to use, but some of the older documents aren’t available through it).

 

Massachusetts Mandatory Health Benefits

You can find a list of the mandatory Benefits (such as infertility treatments, prosthetic hair, and more) on the Division of Insurance website.

 

Massachusetts Auto Insurance

The two main sources of Massachusetts Auto Insurance Information are the Automobile Insurers Bureau of Massachusetts (AIB) which has auto insurance rates and manuals and copies of the standard auto insurance policies and the Commonwealth Auto Reinsurers (CAR) which provides information on experience rating and plans of operations.

The Division of insurance also provides a link for estimating the rate for insuring your vehicle under the new managed competition: http://www.autoratecompare.doi.state.ma.us/

 

Auto Insurance Company Codes

Massachusetts auto insurance company codes can be found on the Commonwealth Auto Reinsurers website.

New York auto insurance company codes can be found on the New York Department of Insurance Website.

New Jersey auto insurance company codes can be found on the New Jersey Motor Vehicle Commission website.

 

Financial Stability Ratings

Financial stability ratings are an important factor to look at when deciding on an insurance company. The ratings indicate how likely a company is to stay in business in the future and how financially able they would be to pay any claims you would make. There are five main companies that give financial stability ratings. I think that you can get Best’s, Moody’s, and S&P without a subscription (S&P is available through Insure.com).

Consumer Complaints

The NAIC can provide information on consumer complaints if you’re researching an insurance company https://eapps.naic.org/cis/

 

General Facts and Statistics

DRI: The Voice of the Defense Bar. DRI is an international organization of attorneys defending the interests of business and individuals in civil litigation. The more pertinent part of their organization’s website will probably be DRI Today: http://www.dritoday.org/today.aspx specifically the section with access to their flagship publication For The Defense. Each issue contains in-depth, full-length, feature article addressing crucial developments in the law and litigation practice.

Insurance Information InstituteThe Insurance Information Institute keeps facts and statistics and various hot topics for
insurance on their website.

International Risk Management InstituteInternational Risk Management Institute, an insurance publisher, has a lot of insurance information available for free on their website including expert commentary and newsletters on insurance topics as well as an insurance glossary (see below).

Rough Notes Rough Notes (a journal geared especially toward producers) offers their journals online.

Insurance Journal Insurance Journal, a general insurance publication, also offers their journal for free online.

The Betterley Report Online Blog Related to the Betterley Report but does not require a subscription, this blog will provide information on products for various lines of insurance.

 

Directories

The Insurance Marketplace The Insurance Marketplace is a directory of excess and surplus lines, industry services and benefits market. You can select a category and a state to find insurance companies and managing general agents who provide the coverage in which you’re interested.

Kirschner’sKnown as “the red book” Kirschner’s has provided directory information to consumers and those in the industry for a number of years. Online, you can search for companies and managing general agents for various markets (you can limit to specific states of domicile or where the insured is located). You can also find contact information for public adjusters, associations and insurance companies in the digital editions of the red books (more information on producers can be found by purchasing the directories).

 

Online Glossaries

Among other features, Insure.com provides an online insurance glossary.

IRMI also has their Glossary of Insurance and Risk Management Terms available for free online.