| Third-Party Insurance |
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| An insured may submit a claim to his insurer to recover under two different categories of insurance. The categories are based on whom the insurer is required to pay. If the insurer is required to pay the insured for his direct loss, the insurance classification is "first-party" insurance. If the insurer is required to pay a third party due to a loss caused by the insured to the third party, the insurance classification is "third-party" insurance. This article addresses third-party insurance only.More... |
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| Types of Insurance Companies |
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| The structure of an insurance company may affect how it does business. Insurance companies may take the form of regular stock companies, may be mutual insurance companies, or may be "captive" subsidiaries of companies that effectively are self-insured. More... |
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| Types of Adjusters |
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| When an insured files a claim with his insurer to recover for a loss, the insurer may pay the amount requested without question, or it may begin the "adjustment" process. This is the process by which the claim is resolved. Various types of "adjusters" may assist in the adjustment process. More... |
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| Workers' Compensation Insurance |
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| Workers' compensation insurance is acquired by an employer. Usually, the decision to acquire such insurance is made as a choice, mandated by state law, between purchasing workers' compensation insurance or being self-insured through a separately administered and funded plan. More... |
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| Civil Rights |
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| (Race Discrimination in Insurance Coverage)More... |
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