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At some point in the not-too-distant future, coastal properties could become too risky to insure at all, meaning property values would drop, meaning less money to build the things needed to protect against sea level rise in the first place.

(often foll by against) to issue (a person) with an insurance policy or take out an insurance policy (on): his house was heavily insured against fire; after all his car accidents the company refuses to insure him again

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The following table lists vehicles which a number of insurers have indicated their unwillingness to insure voluntarily, or their willingness to insure only under certain strict conditions or for certain types of operators. This difficult-to-insure list does not apply to all insurers for every vehicle shown, but generally encompasses data provided by many of the leading writers of private passenger auto insurance in New York State.

For each vehicle shown, there are a significant number of insurers that do not wish to write the particular vehicle, due to unfavorable loss experience, high cost or limited availability of replacement parts, or high theft records.

In addition, some insurers will provide liability coverage for the operators of these vehicles, but not physical damage coverage. Some insurers also indicate that they will write physical damage coverage on these vehicles, but only if the deductible purchased is over a certain amount (e.g., $1,000). Moreover, several insurers will only insure a vehicle that is within a certain age range, such as under ten years old. Insurers are prohibited however, from nonrenewing a liability policy solely on the basis of the age of the vehicle. Other insurers have no finite limitation on the age of vehicles they will consider insuring.

An employer who wishes to self-insure for disability and Paid Family Leave can apply for the privilege to self-insure in New York. Employers may apply to self-insure for disability only, or disability and Paid Family Leave together, but may not self-insure for Paid Family Leave only.

The Office of Self-Insurance will notify an applicant of final approval if all conditions are met. Every year that the employer remains self-insured, the security deposit is reviewed for adequacy, based in part on changes in covered employee count. Employers must adjust their security deposit to adequate levels as determined by the Board.

A self-insurer who has discontinued business in New York State, or has arranged for the payment of compensation by alternate methods (NYSIF or insurance carrier coverage), may terminate their status as a self-insurer at any time by notifying the Office of Self-Insurance. The security deposit maintained by the Board for disability and Paid Family Leave benefits may be returned 24 months after the effective date of termination of an employer's status as a self-insurer, if there are no outstanding compliance issues.

A: The FDIC (Federal Deposit Insurance Corporation) is an independent agency of the United States government that protects bank depositors against the loss of their insured deposits in the event that an FDIC-insured bank or savings association fails. FDIC insurance is backed by the full faith and credit of the United States government.

Deposit insurance is calculated dollar-for-dollar, principal plus any interest accrued or due to the depositor, through the date of default. For example, if a customer had a CD account in her name alone with a principal balance of $195,000 and $3,000 in accrued interest, the full $198,000 would be insured.

First, as the insurer of the bank's deposits, the FDIC pays insurance to depositors up to the insurance limit. Historically, the FDIC pays insurance within a few days after a bank closing, usually the next business day, by either 1) providing each depositor with a new account at another insured bank in an amount equal to the insured balance of their account at the failed bank, or 2) issuing a check to each depositor for the insured balance of their account at the failed bank.

Second, as the receiver of the failed bank, the FDIC assumes the task of selling/collecting the assets of the failed bank and settling its debts, including claims for deposits in excess of the insured limit. If a depositor has uninsured funds (i.e., funds above the insured limit), they may recover some portion of their uninsured funds from the proceeds from the sale of failed bank assets. However, it can take several years to sell off the assets of a failed bank. As assets are sold, depositors who had uninsured funds usually receive periodic payments (on a pro-rata "cents on the dollar" basis) on their remaining claim.

A: To determine if a bank is FDIC-insured, you can ask a bank representative, look for the FDIC sign at your bank, or you can use the FDIC's BankFind tool. BankFind allows you to access detailed information about all FDIC-insured institutions, including branch locations, the bank's official website, the current operating status of your bank, and the regulator to contact for additional information and assistance. You can also submit a request using the FDIC Information and Support Center or call 1-877-275-3342.

A: Deposit products include checking accounts, savings accounts, CDs and MMDAs and are insured by the FDIC. The amount of FDIC insurance coverage you may be entitled to, depends on the ownership category. This generally means the manner in which you hold your funds. Some examples of FDIC ownership categories, include single accounts, certain retirement accounts, employee benefit plan accounts, joint accounts, trust accounts, business accounts as well as government accounts.

A: Yes. The FDIC insures deposits according to the ownership category in which the funds are insured and how the accounts are titled. The standard deposit insurance coverage limit is $250,000 per depositor, per FDIC-insured bank, per ownership category.

A: Prepaid cards that are registered with the card issuer are insured when certain FDIC requirements are met. The funds underlying the prepaid cards must be deposited in a bank. Please remember that FDIC deposit insurance coverage only applies when a bank fails. Deposit insurance coverage does not apply to lost or stolen prepaid cards or if the prepaid card provider declares bankruptcy.

A: If certain FDIC requirements are met, funds on a prepaid card will be insured up to $250,000 (together with any other funds in the same ownership category that the cardholder may have established in another deposit account in the same bank). Click here for more information about deposit insurance coverage for prepaid cards.

Established by Congress in 1970 to insure member share accounts at federally insured credit unions, the National Credit Union Share Insurance Fund is similar to deposit insurance coverage provided by the Federal Deposit Insurance Corporation.

All federally insured credit unions must prominently display the official NCUA insurance sign at each teller station, where insured account deposits are normally received in their principal place of business and in all branches. Federally insured credit unions are also required to display the official sign on their website and where they accept share deposits or open accounts. No credit union may end its federal insurance without first notifying its members.

There are several state-chartered credit unions that are insured by private insurers. These private insurers provide non-federal share insurance coverage of deposits that are not backed by the full faith and credit of the United States.

These share insurance coverage limits refer to the total of all shares that account owners have at each federally insured credit union. This listing shows only the most common ownership types that apply to individual and family shares and assumes that all NCUA and share insurance coverage requirements are met.

The NCUA does not insure money invested in stocks, bonds, mutual funds, life insurance policies, annuities or municipal securities, even if these investment or insurance products are sold at a federally insured credit union. Credit unions often provide these services to their members through third parties, and the investment and insurance products are not insured by the Share Insurance Fund.

Sound insurance pricing and underwriting practices are essential to manage financial risks arising from climate change. At the same time, insurers' pricing and underwriting policies can influence climate risk adaptation and risk mitigation measures. This paper examines how insurers and insurance supervisors are incorporating considerations on climate-related risks in insurance product pricing and underwriting, based primarily on a survey of selected insurance supervisors and insurers. It lays out potential policy implications including on affordability and availability of insurance coverage for climate-related risks.

As more insurance companies around the world restrict and end coverage for coal, oil and gas, fossil fuel companies face rate increases that could make new projects unviable. But U.S. insurers continue to provide a lifeline to the fossil fuel industry.

De-insurance is a method of temporarily discontinuing the required insurance on the vehicle until it is ready to be driven or placed on the road again. A de-insured vehicle will not be suspended due to lack of insurance unless it is driven on Arizona roads. You can de-insure your vehicle online at AZMVDNow.gov.

Insurance companies have a responsibility to immediately stop insuring fossil fuel expansion. Except for a few laggards, most insurers have stopped insuring new coal projects under pressure from the Insure Our Future campaign. However, contradicting their own climate commitments, most insurers continue to underwrite the expansion of the oil and gas industry.

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