{
  "author": {
    "name": "Robert Detlefsen",
    "webUrl": "/author/profile/robert-detlefsen/",
    "description": "",
    "imageLarge": "https://secure.gravatar.com/avatar/f16d6fc2845f417ea0e93a3f2b6cd37d?s=136&d=mm&r=g",
    "estimate": 11,
    "social": [],
    "articles": [
      {
        "uri": "/2016/05/18/insurers-direct-repair-programs-can-enhance-consumer-welfare/",
        "title": "Insurers’ direct repair programs can enhance consumer welfare",
        "byline": "Robert Detlefsen",
        "kicker": "Commentary",
        "prettyDate": "May 18, 2016",
        "timeToRead": "5 minute",
        "image": {
          "uri": "",
          "width": "",
          "height": ""
        },
        "authors": [
          {
            "webUrl": "/author/profile/robert-detlefsen/",
            "name": "Robert Detlefsen"
          }
        ],
        "kickerNode": [
          {
            "uri": "/commentary/",
            "sectionName": "Commentary"
          }
        ],
        "summary": "Repairs take five to seven days longer at body shops that aren't a part of a direct repair program.",
        "body": null
      },
      {
        "uri": "/2016/02/19/negotiations-with-eu-insurance-regulators-are-a-test-for-team-usa/",
        "title": "Negotiations with EU insurance regulators are a test for ‘Team USA’",
        "byline": "Robert Detlefsen",
        "kicker": "News",
        "prettyDate": "February 19, 2016",
        "timeToRead": "5 minute",
        "image": {
          "uri": "",
          "width": "",
          "height": ""
        },
        "authors": [
          {
            "webUrl": "/author/profile/robert-detlefsen/",
            "name": "Robert Detlefsen"
          }
        ],
        "kickerNode": [
          {
            "uri": "/news/",
            "sectionName": "News"
          }
        ],
        "summary": "Will the European Union realize that U.S. states have a place in the federal insurance regulatory system?",
        "body": null
      },
      {
        "uri": "/2015/09/18/price-optimization-under-scrutiny/",
        "title": "Price optimization under scrutiny",
        "byline": "Robert Detlefsen",
        "kicker": "Commentary",
        "prettyDate": "September 18, 2015",
        "timeToRead": "5 minute",
        "image": {
          "uri": "",
          "width": "",
          "height": ""
        },
        "authors": [
          {
            "webUrl": "/author/profile/robert-detlefsen/",
            "name": "Robert Detlefsen"
          }
        ],
        "kickerNode": [
          {
            "uri": "/commentary/",
            "sectionName": "Commentary"
          }
        ],
        "summary": "How should this practice operate in the context of insurance, and what should regulators do about it?",
        "body": null
      },
      {
        "uri": "/2015/01/01/is-insurance-affordable-ask-the-fio/",
        "title": "Is Insurance Affordable? Ask the FIO",
        "byline": "Robert Detlefsen",
        "kicker": "",
        "prettyDate": "January 01, 2015",
        "timeToRead": "2 minute",
        "image": {
          "uri": "",
          "width": "",
          "height": ""
        },
        "authors": [
          {
            "webUrl": "/author/profile/robert-detlefsen/",
            "name": "Robert Detlefsen"
          }
        ],
        "kickerNode": [],
        "summary": "When Congress created the Federal Insurance Office in 2010 as part of the Dodd-Frank financial reform legislation, it asked the new agency to monitor whether traditionally underserved consumers, communities, minorities, andlow- and moderate-income persons have access to affordable insurance products in all lines except health insurance.",
        "body": null
      },
      {
        "uri": "/2014/10/02/is-auto-insurance-affordable-ask-the-fio/",
        "title": "Is auto insurance “affordable”? Ask the FIO",
        "byline": " Robert Detlefsen ",
        "kicker": "Commentary",
        "prettyDate": "October 02, 2014",
        "timeToRead": "3 minute",
        "image": {
          "uri": "",
          "width": "",
          "height": ""
        },
        "authors": [
          {
            "webUrl": "/author/profile/robert-detlefsen/",
            "name": "Robert Detlefsen"
          }
        ],
        "kickerNode": [
          {
            "uri": "/commentary/",
            "sectionName": "Commentary"
          }
        ],
        "summary": "The definition is subjective, but there are some solid stats if you know where to look.",
        "body": null
      },
      {
        "uri": "/2014/05/01/is-auto-insurance-affordable/",
        "title": "Is Auto Insurance Affordable?",
        "byline": "Robert Detlefsen",
        "kicker": "",
        "prettyDate": "May 01, 2014",
        "timeToRead": "3 minute",
        "image": {
          "uri": "",
          "width": "",
          "height": ""
        },
        "authors": [
          {
            "webUrl": "/author/profile/robert-detlefsen/",
            "name": "Robert Detlefsen"
          }
        ],
        "kickerNode": [],
        "summary": "The laws in 49 states require drivers to carry automobile liability insurance, yet millions of Americans drive without it. Why? Auto insurance is too expensive, at least for low- and moderate-income drivers. Given the other demands on their financial resources, auto insurance is a luxury they can't afford.",
        "body": null
      },
      {
        "uri": "/2014/02/01/forms-follow-function/",
        "title": "Forms Follow Function",
        "byline": "Robert Detlefsen",
        "kicker": "",
        "prettyDate": "February 01, 2014",
        "timeToRead": "3 minute",
        "image": {
          "uri": "",
          "width": "",
          "height": ""
        },
        "authors": [
          {
            "webUrl": "/author/profile/robert-detlefsen/",
            "name": "Robert Detlefsen"
          }
        ],
        "kickerNode": [],
        "summary": "Insurance contracts are complicated documents, especially for the average consumer. Consequently, most states require insurers to draft policy language to comply with readability standards to make it easier for consumers to understand complex coverage terms. Recently, regulators have focused on the extent to which policy forms are physically accessible to...",
        "body": null
      },
      {
        "uri": "/2012/04/24/disparate-impact-rule/",
        "title": "Disparate Impact Rule",
        "byline": "Robert Detlefsen",
        "kicker": "",
        "prettyDate": "April 24, 2012",
        "timeToRead": "6 minute",
        "image": {
          "uri": "",
          "width": "",
          "height": ""
        },
        "authors": [
          {
            "webUrl": "/author/profile/robert-detlefsen/",
            "name": "Robert Detlefsen"
          }
        ],
        "kickerNode": [],
        "summary": "Federal regulator targets risk-based insurance pricing",
        "body": null
      },
      {
        "uri": "/2012/01/31/is-transparency-clear/",
        "title": "Is Transparency Clear?",
        "byline": "Robert Detlefsen",
        "kicker": "",
        "prettyDate": "January 31, 2012",
        "timeToRead": "8 minute",
        "image": {
          "uri": "",
          "width": "",
          "height": ""
        },
        "authors": [
          {
            "webUrl": "/author/profile/robert-detlefsen/",
            "name": "Robert Detlefsen"
          }
        ],
        "kickerNode": [],
        "summary": "NAIC Transparency/Readability Working Group to investigate policy transparency",
        "body": null
      },
      {
        "uri": "/2011/07/21/litigation-funding-creates-substantial-cost-risk-for-insurers/",
        "title": "Litigation Funding Creates Substantial Cost Risk For Insurers",
        "byline": "Robert Detlefsen",
        "kicker": "",
        "prettyDate": "July 21, 2011",
        "timeToRead": "4 minute",
        "image": {
          "uri": "",
          "width": "",
          "height": ""
        },
        "authors": [
          {
            "webUrl": "/author/profile/robert-detlefsen/",
            "name": "Robert Detlefsen"
          }
        ],
        "kickerNode": [],
        "summary": "Third-party litigation funding is a burgeoning industry that threatens to increase the volume of litigation and drive up litigation-defense and claim costs. The NAMIC argues the practice should be prohibited.",
        "body": null
      }
    ]
  }
}