Skip to main content

Mega Menu

Regulator
Regulator

We provide tools and resources to help regulators set standards and best practices, provide regulatory support functions, and educate on U.S. state-based insurance regulation.

Learn More

Events and Meetings

Explore future meetings and access past event documents.

Expense Reporting

Access forms and tools to file expense reports, review grant and zone scholarship balances, and travel guidelines.

myNAIC

Access technology tools and resources for U.S. insurance regulators.
Education and Training

Overview

Training for Regulators

Insurance Regulator Professional Designation Program

20th Anniversary: Designation Program

International Fellows Program

Regulatory Leadership Development

Webinars and Training Events
Awards

Robert Dineen Award

Raymond G. Farmer Award for Exceptional Leadership
Industry
Education and Events
- Education and Training
- Events and Meetings
Industry

Access forms, tools, and resources for individuals and organizations to file forms, improve efficiency, and remain compliant.

Learn More
Financial Statement Filing

Filing Information

Filing Instructions

InsData
Uniform Certificate of Authority

Overview

State Specific Requirements

Electronic Application
Principle Based Reserving

Overview
Securities Valuation Office

Overview

Resources

Security Investment Filing
Market Conduct

Market Conduct Annual Statement

Contacts and Scorecards
Insurance Compact

Homepage

Record Adopted Standards

Insurer Resources
Structured Securities Group

Overview

Collateralized Loan Obligations

RMBS/CMBS Listing
Data Calls

2026 Homeowners Market Data Call

State Disaster Reporting

Health AI/ML Survey
Producer Registry

Homepage

Renew a License

Producer Database
Products

Overview

Account Manager

Automated Valuation Service

Data Products

Online Premium Tax Filing

State Based Systems

System for Electronic Rates and Forms Filings

Technology Applications (myNAIC)

Vision
Consumer
Consumer

Discover tools and resources to help you understand different types of insurance, claims processes, and practical tips to help support you through every stage of your life.

Learn More

Glossary of Insurance Terms

Browse terms and definitions that are commonly used in the insurance industry

File a Complaint

Having a problem with an insurance company or agent?
Insurance Advice

Auto Insurance

Cybersecurity

Flood Insurance

Health Insurance

Homeowners Insurance

Life Insurance & Annuities

Long-Term Care Insurance

Military

Sharing Economy

Small Business
Interactive Learning

Go-Bag Disaster Prep

Understand Your Insurance Card

What The Flood?! Quiz
Mobile Apps

Home Inventory
Tools

Consumer Insurance Search

Life Insurance Policy Locator

Consumer Participation Program

Global Receivership Information System

Online Fraud Reporting System
Committees
Events
- Events and Meetings
Committees

View actions considered by committees, task forces, and subgroups, as well as charges, schedules, and staff links.

Learn More

Conference Calls

Access public conference call documents and information.

Exposure Drafts

Documents exposed by various committee workgroups.

Liaison and Advisory Groups

Representatives from diverse groups who provide varied perspectives on insurance regulatory issues.
Committee Index

Executive (EX)

Life Insurance and Annuities (A)

Health Insurance and Managed Care (B)

Property and Casualty Insurance (C)

Market Regulation and Consumer Affairs (D)

Financial Condition (E)

Financial Regulation Standards and Accreditation (F)

International Insurance Relations (G)

Innovation, Cybersecurity, and Technology (H)

Consumer Liaison

View All
Trending

Annuity Buyer's Guide (A) Working Group

Invested Assets (E) Task Force

Blanks (E) Working Group

Investment Analysis (E) Working Group

Credit Rating Provider (E) Working Group

Reciprocal Exchanges (E) Working Group

Statutory Accounting Principles (E) Working Group

Life Actuarial (A) Task Force

Big Data Artificial Intelligence (H) Working Group
Resource Center
Resource Center

Explore recent publications, the latest news articles, new federal and legislative news, and model laws to help inform your approach.

Learn More

Capital Markets Bureau

Developments and trends in financial markets and insurer investments.

Center for Insurance Policy and Research

Research and analysis on important insurance issues.

Glossary

A glossary of insurance terms and definitions.

Government Affairs

Domestic and international policy and outreach initiatives.

Health Coverage Policy and Regulation

Answers regarding health care law and insurance.

Insurance Topics

Information on a range of insurance regulatory issues.

Legal

Legal support and advice on regulatory issues and internal operations.

Library

Archives and regulatory resources.

Model Laws

Access to every published model law, regulation, and guideline

Newsroom

The latest news and consumer articles.

Publications

Exclusive, industry-focused manuals, data, and more.

State Insurance Charts

Issue-specific charts, combining states' statutes and regulations.
Featured Topics

Private Credit

Travel Insurance

Risk-Based Capital

Artificial Intelligence

Terrorism Risk Insurance Act

Statutory Accounting Principles

Life Insurance

Captive Insurance Companies

Surplus Lines

Insurance Fraud
Insurance Departments

Insurance Departments

Find contact information for insurance departments and local insurance agents, or file a complaint.

Learn more

Insurance Departments

Select a state or jurisdiction for insurance department contact information.

Select State

State Search

Alabama

Alaska

American Samoa

Arizona

Arkansas

California

Colorado

Connecticut

Delaware

District Of Columbia

Florida

Georgia

Guam

Hawaii

Idaho

Illinois

Indiana

Iowa

Kansas

Kentucky

Louisiana

Maine

Maryland

Massachusetts

Michigan

Minnesota

Mississippi

Missouri

Montana

Nebraska

Nevada

New Hampshire

New Jersey

New Mexico

New York

North Carolina

North Dakota

Northern Mariana Islands

Ohio

Oklahoma

Oregon

Pennsylvania

Puerto Rico

Rhode Island

South Carolina

South Dakota

Tennessee

Texas

Utah

Vermont

Virgin Islands

Virginia

Washington

West Virginia

Wisconsin

Wyoming
About
About

The NAIC provides expertise, data, and analysis for insurance commissioners to effectively regulate the insurance industry and protect consumers.

Learn More

Contact

Have a question or request? We're here to help.

State Connected

Our three-year blueprint for the future shows the way toward building on existing strengths.

Budget

Learn more about our transparent budgeting process and overall operations.
Careers

Overview

Benefits

Open Positions
New Avenues to Insurance Careers Foundation

Overview

Internship Opportunities

About
150 Years of Collaboration

Browse our timeline to learn how we support insurance regulators in their mission to protect consumers and ensure fair and healthy insurance markets.

Search NAIC

Search

Recommended

Insurance Summit International Forum N.A.I.C. Foundation Insurance Departments Contacts Consumer Insurance Search Insurance Terms

Journal of Insurance Regulation

Automobile Diminished Value Claims

First published: 12 August 2024

Download This Paper Open PDF in Browser

Share: Link copied!

Abstract

Metrics

Coming Soon

© 1991-2026 National Association of Insurance Commissioners.

All rights reserved.

Stop.Call.Confirm is a registered service mark of the National Association of Insurance Commissioners.

Services

MyNAIC iSite+ Financial Statement Filing Account Manager

Resources

Resource Center Newsroom Publications Meetings and Events Education and Training Glossary of Insurance Terms

Support

Contact Help Careers