Lynne McChristian

About the Author

Lynne McChristian

Lynne McChristian is the Florida representative for the Insurance Information Institute. She may be contacted at 813-480-6446, lynnem@iii.org. See her blog at www.InsuringFlorida.org.

• Getting PIP Reform Right

  By Lynne McChristian  |  April 25, 2012

  Will the PIP reforms work, and will they bring auto insurance rates down? Legislators want proof they made the right decisions, and they want it fast.

• Taming Florida’s Hurricane Catastrophe Fund

  By Lynne McChristian  |  November 28, 2011

  Financing future storms with debt seems popular with people who are getting lower rates today. That tune changes when the bill comes due.

• Researchers Like IKE

  By Lynne McChristian  |  October 27, 2011

  The Saffir-Simpson scale has long been the guidepost by which people decide how to respond to an approaching storm. A new guy in town—IKE—has some researchers excited.

• Getting the Word Out on Subrogation

  By Lynne McChristian  |  July 27, 2011

  Subrogation is an unfamiliar word to policyholders, but that doesn’t mean we shouldn’t use it. In fact, it is a word we should use often, along with an explanation of how and why it works and the benefits to policyholders.

• The Real Story About Reinsurance Rate Hikes

  By Lynne McChristian  |  June 28, 2011

  Consumers are being told that SB 408 will suddenly allow for large homeowners’ premium rate hikes because of reinsurance costs. We need to tell them the real story, starting with why reinsurance is important to everyone.

• Gambling on Home Insurance Is a Fool’s Bet

  By Lynne McChristian  |  May 1, 2011

  People who pay off their mortgages and then decide to “go bare” with a homemade brand of self-insurance are taking a huge gamble, trading a small amount of premium dollars for a major financial risk.

• Runaway PIP Fraud Continues to Drive Up Insurance Costs for Florida’s Motorists

  By Lynne McChristian  |  April 6, 2011

  Finally, something consumers and carriers can agree on—the need to put the brakes on auto PIP fraud. However, the how and why of the impact of this type of fraud on all drivers still needs explained to the public.

• How Not to Handle Property Coverage

  By Lynne McChristian  |  February 3, 2011

  Citizens Property Insurance Corp., the behemoth state-run property insurer, has a reputation that reaches far beyond Florida’s shores. Leaders from neighboring coastal states call it “Florida’s folly” to grow what is, essentially, socialized property insurance.

• Mitigation Discounts Under Scrutiny

  By Lynne McChristian  |  January 1, 2011

  Everyone loves the idea of a discount, and few things are easier to love than a discount on insurance. A state-mandated discount on property insurance surely feels right — even if it’s wrong.

• Charitable Giving Is Good Corporate Policy

  By Lynne McChristian  |  December 1, 2010

  Most major insurers, along with many of the domestic carriers in Florida, fund and operate corporate social responsibility programs.

• Consumers Think We've Got Some Explaining to Do

  By Lynne McChristian  |  October 1, 2010

  It seems to me that insurance companies are more interested in paying shareholders than claimants. I've read that insurer profitability is improving and can't figure out why that should be good news for me.

• Criminals, Cars, Crashes, and Cash

  By Lynne McChristian  |  September 1, 2010

  Florida representative for Insurance Information Institute Florida is becoming the "auto insurance fraud capital" with staged accidents, fraudulent claims, and phony medical clinics that bill insurers for phantom treatment.

• Flood Insurance and Florida's Resistant Homeowners

  By Lynne McChristian  |  August 1, 2010

  My neighbor dropped flood coverage this year to shave expenses. Frankly, I'm thinking of doing the same thing.

• Oil Spill Provides a Teachable Moment for Our Industry

  By Lynne McChristian  |  July 1, 2010

  Insurance losses from the explosion and sinking of the Deepwater Horizon oil well are expected to be the largest ever for global offshore energy insurance and reinsurance markets. As claims mount, the public is saying, "Show us the money."

• Explaining RCV and ACV to Anxious Homeowners

  By Lynne McChristian  |  June 1, 2010

  It doesn't seem fair for me to pay for replacement cost coverage in my homeowners' policy if I only get actual cash value upfront. I paid good money for replacement cost coverage, and I want it now.

• Raising Your Client's BOP Comfort Level

  By Lynne McChristian  |  May 1, 2010

  If you don't know what you want, that's exactly what you get, and many business owners don't know what they want or need in a Business Owners Policy. This lack of understanding is a gap that must be closed.