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Michigan Insurance Overhaul – Receiving Strong Objections From Insurance Groups
While Michigan legislators are currently debating a bill recently proposed from a petition in developed and signed by Michigan residents in the Property Casualty Insurers Association of America says that this petition to overhaul all insurance laws in the state is an attack on the insurance companies. The association does not say this is the only attack they feel Michigan lawmakers are making against the insurance companies as they say this has been an ongoing problem for insurance providers within the state for quite some time.
According to the Association the petition is aiming to make a number of changes to the insurance industry within Michigan State borders, the least of which will be a 20% rate cut for auto, home and business coverage of all insurance types. They say that while they feel the petitioners are pushing for this bill in order to benefit by a further insurance industry overhaul they fear that it may end up hurting consumers more than helping them.
The primary concern amongst both people and companies at this time is what effects these bills may have upon both monthly insurance premiums as well as future plan coverage for residents of Michigan. In the past the Michigan Legislature has already voted down a bill that would affect the Auto Insurance industry by requiring them to not use geographic factors in assessing insurance premium costs as they say that it would end up costing consumers more overall by approving this.
At this time is still uncertain whether this bill will go through and what effects it might have upon the insurance industry and ,in particular, the home insurance industry as already homeowners are facing many different factors that are adversely affecting their premiums each month and the coverage that they are offered. If you’re a homeowner in Michigan and a curious how this might affect you try searching online and a number of different sites to see the latest news and rates that may be available to you. Doing this can help you stay up to speed on the latest goings on in the state as well as see the best offers that are available to you at this time.
If you’re stuck and need some help finding good information online try using Ezquoteguide.com for finding the right local insurance information you need right away to help you fulfill your insurance needs.
About the Author
I focus on saving people money and writing on affordable niches. My primary focus is on affordable insurance. In addition, I have had a passion for affordable dental and medical care.
Intellectual Property on Statistics?
Hypothetical legal question:
Once a statistic has been discovered, can it be owned?
Say you purchase a statistical study done by an automotive research group on engine failure for a specific make & model of car. The study lists failure rates based on mileage of the engine. The higher the mileage, the higher the probability of failure.
You find an insurance company that is interested in buying these statistics from you.
Can you sell this data to them? Specifically, can a statistic be protected by copyright and if so, what about other numbers derived from it (such as averages)?
Thanks in advance.
You own the compilation, NOT the raw data rights. You can only copyright your compilation, and it won’t “stick” if it’s “obvious”. You can’t copyright basic math, either. You can’t say, ok, I’ve copyrighted 1 + 1 = 2, so now everyone who puts that equation in a book has to pay me royalties. Doesn’t work that way.
Reminds me of an April Fool’s joke years ago by the web site, The Onion – said that Microsoft now owns the rights to the numbers 0 and 1, you know, binary language? Very amusing.
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[...] time is still uncertain whether this bill will go through and what effects it might have upon the Insurance industry and ,in particular, the home Insurance industry as already [...]
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6 Jan 12 at 2:25 am