The most prolific headline-generator by far this year was AIG, which struggled to regain its credibility and repay its debt to taxpayers after a massive federal bailout.

Regulators are poised to begin exploring how to gather data on insurer use of credit information to determine premiums, and might even expand their study to examine other rating factors in underwriting.

Although the need for a federal bailout of the troubled American International Group created demands for strong federal regulation of insurance, to this point the industry appears to have preserved state oversight for property and casualty carriers.

What were the top-10 property and casualty insurance news stories in 2009? NU Editor Sam Friedman unveils his list and asks readers to weigh in with their picks on his blog at www.NUSamSoapBox.com.