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This is the time of year when we look ahead and consider what the New Year might bring. For property and casualty insurers, projecting compliance issues that might impact the business of insurance in 2011 essentially requires a “regulatory reflection” of the past year.

What this reflection will show is a continuum of state initiatives, with a very specific focus in the areas of total claims clarification; use of credit information by insurers in underwriting and rating; and anti-fraud measures.

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