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Over the past two decades, the United States has successfully deregulated prices and restrictions on most previously-regulated industries, including airlines, trucking, railroads, telecommunications, and banking. Only a few industries remain regulated, the largest being the property-liability insurance business. In light of recent sweeping financial modernization legislation in other sectors of the insurance industry, this timely volume examines the basis for continued regulation of rates and forms of the U.S. property-liability insurance market.The book focuses on private passenger automobile insurance -- the most important personal line of property-liability coverage, with annual premiums of about $120 billion. The authors analyze five state case studies: California, Massachusetts, and New Jersey -- three of the most heavily regulated states -- as well as Illinois, which has been deregulated for about 30 years, and South Carolina, which began to deregulate in 1997. The study also includes an econometric analysis based on all fifty states over a 25-year period that gauges the impact of regulation on insurance price levels, price volatility, and the proportion of automobiles insured in residual markets. The authors conclude that regulation does not significantly reduce long-run prices for consumers, and generally limits availability of coverage, reduces the quality and variety of services available in the market, inhibits productivity growth, and increases price volatility.

Central Bank and Financial Services Authority of Ireland - The Central Bank of Ireland (Banc Ceannais na hÃ‰ireann in Irish) is the central bank of the Republic of Ireland which had control of the issue of Irish banknotes and coins. Since the introduction of the euro currency, it is an agent for the European Central Bank.

Old Bank District, Los Angeles, California - A part of the Historic Core of Los Angeles, the Old Bank District is a small group of turn-of-the-century buildings centering on on 4th street. During the previous turn of the century it was the financial center of Los Angeles.

Financial District, Los Angeles, California - The centerpoint of Downtown Los Angeles, the Financial District was built adjacent to and parallel with the redevelopment of Bunker Hill. The area is dominated by upscale corporate office skyscrapers, hotels and related services.

PNC Financial Services - PNC Financial Services is a large bank holding company. It is headquartered in Pittsburgh, Pennsylvania, the site of the predecessor Pittsburgh National Bank.

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