This document was prepared by American Property Casualty Insurance Association (APCIA) and is intended for use as an information guide and research aid. Reasonable attempts have been made to ensure that the information is accurate and current as of its publication date. However, you should independently verify the current statutory or regulatory language. This document is not intended as, and should not be construed as, legal or regulatory advice. Use of this document or any of the information contained herein does not in any way establish an attorney/client relationship. Transmission or reproduction of the information contained herein for commercial purposes or for distribution as legal or regulatory advice is strictly prohibited. Non-commercial transmission or reproduction for limited, internal use must include this disclaimer.
Representing nearly 60 percent of the U.S. property casualty insurance market, the American Property Casualty Insurance Association (APCIA) promotes and protects the viability of private competition for the benefit of consumers and insurers. APCIA represents the broadest cross-section of home, auto, and business insurers of any national trade association. APCIA members represent all sizes, structures, and regions, which protect families, communities, and businesses in the U.S. and across the globe.
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