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Car Rental Industry Fraud, Dennise Veasley 2016 La Salle University

Car Rental Industry Fraud, Dennise Veasley

Economic Crime Forensics Capstones

Fraud occurs in all industries and businesses large and small. The car rental industry is not immune to fraud. Fraud is committed by the owners and employees against the customers for personal or corporate gain. The car rental industry is considered a large business based on revenue of a minimum of $38.5 million dollars annually. (Electronic Code of Federal Regulations from http://www.ecfr.gov/) The car rental industry in the United States in 2015 grossed over $27.11 billion as defined by the market data for the U.S. Car Rental Market published by Auto Rental News (http ...


The Mystery Of Mutual Insurers In Lawyers Professional Liability Insurance, Tom Baker, Rick Swedloff 2016 University of Pennsylvania Law School

The Mystery Of Mutual Insurers In Lawyers Professional Liability Insurance, Tom Baker, Rick Swedloff

Faculty Scholarship

Large law firms in the U.S. rely heavily on lawyers-only mutual insurers to manage their malpractice risks. Yet, under classic economic theory, mutual insurers should not be able to compete with stock insurers, at least absent a market failure. Mutuals have less access to capital and thus less ability to spread risk. Also, mutuals demand much more law firm partner time. Our research into the lawyers’ professional liability (LPL) insurance market makes three contributions. First, while we find evidence consistent with the traditional explanations for mutual insurance—market failures related to moral hazard and adverse selection and a problem ...


Important Crop Insurance Dates, William M. Edwards 2016 Iowa State University

Important Crop Insurance Dates, William M. Edwards

william edwards

Even the best crop insurance plan is of little use if the right information is not collected and submitted on time. Likewise, if certain actions are not completed by the necessary date, producers may not receive full benefit from the risk protection that they have selected.


An Appraisal Of The Actuaries’ Climate Risk Index, Stephen Lee Kolk 2016 America Integrity Insurance Company

An Appraisal Of The Actuaries’ Climate Risk Index, Stephen Lee Kolk

May 18, 2016: The Economic Impacts of Sea-Level Rise in Hampton Roads

PDF of powerpoint presentation given at the workshop "The Economic Impacts of Sea-Level Rise in Hampton Roads: An Appraisal of the Projects Underway" on May 18, 2016 at the Virginia Modeling and Simulation Center, 1030 University Blvd, Suffolk, VA 23435


Why Not Fix It?, William H. Lane 2016 Gettysburg College

Why Not Fix It?, William H. Lane

English Faculty Publications

Have you felt the pinch of rising health care costs this year? If not, maybe you haven't actually needed to see a doctor or pay for a prescription. Even those of us who are lucky enough to be "covered" at work have noticed rapidly rising deductibles and copays - and shrinking networks of providers. Employers, facing a big, one-year increase in insurance costs, naturally enough go shopping for a new plan. But the big savings with a new plan often mean a big effective pay cut for everyone who's covered under it when employee contributions, deductibles and copays all ...


Confidence Band For Expectation Dependence With Applications, Xu GUO, Jingyuan LI 2016 Nanjing University of Aeronautics and Astronautics

Confidence Band For Expectation Dependence With Applications, Xu Guo, Jingyuan Li

Staff Publications

Motivated by the applications of the concept of expectation dependence in economics and finance, we propose a method to construct uniform confidence band for expectation dependence. It is derived based on Hoeffding’s inequality. Our proposed confidence band can be explicitly expressed and thus it is very easy to implement. Our method has applications to demand for a risky asset and first-order risk aversion problems. Simulations suggest our proposed confidence interval can control the coverage probabilities very well, and the average lengths are very short. Two empirical applications are presented to illustrate the usefulness of the constructed confidence band of ...


Do Health Insurers Innovate? Evidence From The Anatomy Of Physician Payments, Jeffrey Clemens, Joshua D. Gottlieb 2016 University of California - San Diego

Do Health Insurers Innovate? Evidence From The Anatomy Of Physician Payments, Jeffrey Clemens, Joshua D. Gottlieb

Joshua D. Gottlieb

One of private health insurers' unique roles in the United States is to negotiate physician payment rates on their customers' behalf. When it comes to these rates, do private insurers meaningfully differ from the large public insurer operating alongside them, or is the private sector–which appears so prominent–a mirage? We investigate the frequency with which privately negotiated payments deviate from the government benchmark using two empirical approaches. The first exploits changes in Medicare's payment rates and the second applies ideas from the bunching literature. Although Medicare's rates are influential, we find that prices for 25 percent ...


Black Box Thinking: Analysis Of A Service Outsourcing Case In Insurance, PAUL WITMAN, Christopher Njunge 2016 California Lutheran University

Black Box Thinking: Analysis Of A Service Outsourcing Case In Insurance, Paul Witman, Christopher Njunge

PAUL WITMAN

Case study on how to think critically about systems when one cannot "see" the inner workings of those systems, and about the impact of information systems on vulnerable populations.


Black Box Thinking: Analysis Of A Service Outsourcing Case In Insurance, PAUL WITMAN, Christopher Njunge 2016 California Lutheran University

Black Box Thinking: Analysis Of A Service Outsourcing Case In Insurance, Paul Witman, Christopher Njunge

PAUL WITMAN

Case study on how to think critically about systems when one cannot "see" the inner workings of those systems, and about the impact of information systems on vulnerable populations.


Pemco: We're A Lot Like You., Margaret Melville, Michael Viramontes, Thomas Stone, Jared Tate 2016 Brigham Young University

Pemco: We're A Lot Like You., Margaret Melville, Michael Viramontes, Thomas Stone, Jared Tate

MICCSR Presentations

No abstract provided.


Pemco: Corporate Social Responsibility, Frank Estevao Maia, Molham Krayem, Ha Young Shin, Erica Tsai 2016 Georgetown University

Pemco: Corporate Social Responsibility, Frank Estevao Maia, Molham Krayem, Ha Young Shin, Erica Tsai

MICCSR Presentations

No abstract provided.


Corporate Social Responsibility Strategy, Pemco Insurance, Conrad Nilsen, Emma Rabun, Joshua Schacht, Jaclyn Zalesky 2016 Gonzaga University

Corporate Social Responsibility Strategy, Pemco Insurance, Conrad Nilsen, Emma Rabun, Joshua Schacht, Jaclyn Zalesky

MICCSR Presentations

No abstract provided.


Pemco Insurance: Corporate Social Responsibility Plan, Mark Elliott, Alex Maller, Megan Towzey, Taylor Ziegler 2016 University of Florida

Pemco Insurance: Corporate Social Responsibility Plan, Mark Elliott, Alex Maller, Megan Towzey, Taylor Ziegler

MICCSR Presentations

No abstract provided.


2016 Csr Planning At Pemco Insurance, Joe Lawless 2016 University of Washington - Tacoma Campus

2016 Csr Planning At Pemco Insurance, Joe Lawless

MICCSR Case Studies

No abstract provided.


The Benefits Of Having A Comprehensive Financial Plan For The Average Consumer, And The Necessary Components Comprised To Make An Effective And Efficient Plan, Nicholas M. Lund 2016 Claremont McKenna College

The Benefits Of Having A Comprehensive Financial Plan For The Average Consumer, And The Necessary Components Comprised To Make An Effective And Efficient Plan, Nicholas M. Lund

CMC Senior Theses

Socioeconomic changes in American society over the past few decades, as well as an overwhelming amount of uncertainty and misconceptions, have resulted in a majority of Americans to fall short of their financial goals in the short-term, the mid-term, and the long-term. Without proper preparation and financial planning, it is likely that these Americans, and many more, will be unable to reach these goals as well as retire comfortably. Many Americans are overwhelmed with the immense amount of financial information, tools and resources, and as a consequence are unable to plan their finances efficiently and effectively. Americans need a better ...


The Image Of Insurance, Nathalie Dail 2015 University of South Carolina - Columbia

The Image Of Insurance, Nathalie Dail

Senior Theses

This paper discusses the concept of brand management. The purpose is to give a brief introductory understanding of brand management and how it relates to the insurance industry. The benefits associated with brand management are detailed and analyzed in order to produce a variation of a SWOT analysis and a lean canvas. Meanwhile, Generation Y is explored as a market segment, along with challenges insurers face. This thesis seeks to explore the effects of branding on the insurance industry, with this market in mind. Consumer base fluctuations and revenue are factors considered when evaluating the effects of branding. Two well ...


Elementos De Aed De Daños - Ed Argentina (Acciarri, 2015).Jpg, Hugo A. Acciarri 2015 Universidad Nacional del Sur, Bahia Blanca

Elementos De Aed De Daños - Ed Argentina (Acciarri, 2015).Jpg, Hugo A. Acciarri

Hugo Alejandro Acciarri

El texto comienza con un desarrollo de las nociones básicas del Análisis económico del Derecho de Daños. Procura exponer el desenvolvimiento histórico de las ideas principales y a su vez, explicar los conceptos fundamentales que sirven de base a los desarrollos más específicos. A partir de allí prosigue con el tratamiento de cada uno de los elementos centrales de la teoría de la responsabilidad por daños. Distingue, en particular, las diversas modalidades de la prevención (genérica y específica), las instituciones jurídicas que las generan y sus efectos.
En relación con la prevención genérica desarrolla los principales problemas derivados de la ...


Giving A Voice To The Powerless: Participatory Monitoring & Evaluation As A Tool For Inclusive Development Through Microfinance, Evan T. Burke 2015 SIT Graduate Institute

Giving A Voice To The Powerless: Participatory Monitoring & Evaluation As A Tool For Inclusive Development Through Microfinance, Evan T. Burke

Capstone Collection

The greatest experts on the situation of the marginalized peoples of the world are the marginalized communities themselves. This paper explores how participatory monitoring & evaluation can be a powerful tool for giving voices to marginalized communities, ensuring that the voices of beneficiaries and local stakeholders are heard and inform sustainable project design. It analyzes a participatory monitoring and evaluation methodology implemented for women’s credit cooperatives in Gujarat, India by the Human Development & Research Centre, and examines lessons to be learned to design evaluations facilitating inclusive development.

Strategies for the monitoring and evaluation of microfinance have evolved along with the ...


Boom Times For Crop Insurance, Bruce A. Babcock 2015 Iowa State University

Boom Times For Crop Insurance, Bruce A. Babcock

Iowa Ag Review

Crop farmers are enjoying record high profi ts because of dramatically higher market prices. Farmers’ increased demand for land, seed, fertilizer, and machinery has resulted in higher prices and profi ts for sellers of these inputs as well. One industry that is also enjoying the higher crop prices is the crop insurance industry. It benefits from higher prices because the formulas used to determine industry revenue automatically generate higher expected subsidies as crop prices rise. Actual subsidies depend in part on crop losses, but administrative and operating subsidies are directly tied to crop prices. Figure 1 shows how total industry ...


Corn Belt Contributions To The Crop Insurance Industry, Bruce A. Babcock 2015 Iowa State University

Corn Belt Contributions To The Crop Insurance Industry, Bruce A. Babcock

Iowa Ag Review

The crop insurance industry enjoyed another banner year in 2007, collecting $6.5 billion in premiums yet paying out only $3.2 billion in losses. I estimate that the industry will collect a record $2.8 billion from taxpayers. In contrast, the net amount that farmers received from the program in 2007 was only $750 million. Interestingly, since the beginning of this decade, the $11.3 billion in net payments to farmers (indemnities received minus farmer-paid premiums) is about equal to the amount that taxpayers have paid the industry ($11.1 billion). Overall, taxpayers have spent more than $22 billion ...


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