A split usage-based auto insurance model for level four autonomous vehicle owners?

On June 15, 2022, the National Highway Traffic Safety Administration (NHTSA) released its initial summary report on accidents with self-driving vehicles collected through his Permanent general order. According to the NHTSA, 130 accidents involving vehicles with level 3-5 automated driving systems have been reported in the past year. Although NHTSA’s recent summary does not specify … Read more

Fire Insurance Covers Series Part 3: Standard Module Policy Exclusions

Even when claims are within the scope of coverage, insurers often rely on exclusions in an effort to avoid coverage for claims caused by fires. In this post from the blog’s bushfire insurance coverage series, we discuss the interplay between grants and coverage exclusions and the “simultaneous anti-litigation” provision. Insurers may cite exclusions in an … Read more

Recent developments in the Italian insurance sector

The most recent developments that have impacted the insurance sector in Italy are summarized below. (a) on May 25, 2025, Decree no. 55/2022 of the Italian Ministry of Economy and Finance on the register of beneficial owners was published in the Italian Official Gazette (the “Decree”). In particular, the Decree provides for the electronic communication, … Read more

Vermont passes Insurance Data Security Act

On May 27, 2022, Vermont Governor Phil Scott signed H.515, making Vermont the 21st state to enact legislation based on the National Association of Insurance Commissioners Insurance Data Security Model Law (“MDL-668”). Vermont Insurance Data Security Law applies to “licensees”: those who are licensed to operate or registered and those who must be licensed, licensed, … Read more