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Companies that learn how to rate their exposures more accurately will succeed in the long term.

At the forefront of this re-evaluation is the household exclusion, which a court found violated state law.

The court did find that the insurance office presented records that contained credible information that the use of credit scores is discriminatory.

The appointment follows the retirement of state Insurance Commissioner Jim Ridling at the end of June.

Voters in California, Georgia, Kansas and Oklahoma will select their next insurance commissioners in November.

Identifying the outliers in a claim can help insurers identify fraud earlier in the process.

Georgia's former insurance commissioner, Jim Beck, will spend time in federal prison over a $2.5 million fraud scheme.

Jim Beck was found guilty on 37 charges related to a five-year scheme that siphoned more than $2M from the Georgia Underwriting Association.