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Articles 1 - 3 of 3
Full-Text Articles in Law
The Color Of Property And Auto Insurance: Time For Change, Jennifer B. Wriggins
The Color Of Property And Auto Insurance: Time For Change, Jennifer B. Wriggins
Faculty Publications
Insurance company executives issued statements condemning racism and urging change throughout society and in the insurance industry after the huge Black Lives Matter demonstrations in summer 2020. The time therefore is ripe for examining insurance as it relates to race and racism, including history and current regulation. Two of the most important types of personal insurance are property and automobile. Part I begins with history, focusing on property insurance, auto insurance, race, and racism in urban areas around the mid-twentieth century. Private insurers deemed large areas of cities where African Americans lived to be “blighted” and refused to insure all …
In Deep: Dilemmas Of Federal Flood Insurance Reform, Jennifer Wriggins
In Deep: Dilemmas Of Federal Flood Insurance Reform, Jennifer Wriggins
Faculty Publications
Floods are the most expensive form of natural disaster in the United States. Recent massive floods in Louisiana show the magnitude of the devastation floods can cause. Climate change and population growth are likely to lead in the coming decades to more severe, frequent, and costly floods. How we pay for flood losses is an urgent public policy issue. The National Flood Insurance Program (NFIP) provides most of the flood insurance policies on homes in the United States. The U.S. Flood Insurance Program is a complex scheme that uses insurance coverage subsidies, mandates, and other tools to support various policies …
Mandates, Markets, And Risk: Auto Insurance And The Affordable Care Act, Jennifer Wriggins
Mandates, Markets, And Risk: Auto Insurance And The Affordable Care Act, Jennifer Wriggins
Faculty Publications
Now that the Affordable Care Act (ACA) individual health insurance mandate has been upheld by the United States Supreme Court, it is an opportune time to examine precedents for the individual mandate that were not considered in the legislative debate or litigation about the ACA’s constitutionality, particularly auto insurance mandates. Although opponents’ arguments were cast largely as Commerce Clause claims, the arguments have a deeper foundation as claims about liberty and coercion which go far beyond the Commerce Clause. Although auto insurance mandates are obviously different, particularly in that they are state rather than federal, auto insurance mandates can help …