Property-liability insurance rates for most lines of business are regulated in about one-half of the states. In most cases, this me ans that rates must be filed with the state insurance commissioner and approved prior to use. The remainder of the states have various forms of competitive rating laws. These either require that rates be filed prior to use but need not be approved or that rates need not be filed at all. State rating laws are summarized in Rand Corporation (1985). The predominant form of insurance rate regulation, prior approval, began in the late 1940s following the V. S. Supreme Court decision in United States vs. South-Eastern Underwriters Association, 322 V. S. 533 (1944). This was an anti trust case involving one of four regional associa� tions of insurance companies, which constituted an insurance cartel. The case struck down an earlier decision, Paul vs. Virginia, 8 Wall 168 (1869), holding that the business of insurance was not interstate commerce and hence that state regulation of insurance did not violate the commerce clause of the V. S. Constitution. Following South-Eastern Underwriters, the Vnited States Congress passed the McCarran-Ferguson Act, which held that continued state regulation and taxation of insurance was in the public interest. The act also held that the federal antitrust laws would not apply to insurance to the extent that the business was adequately regulated by state law. (See V. S. Department of Justice 1977.

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Store Description

Account dedicated to Print on Demand titles. Brook Bookstore offers a wide selection of books with a continuously updated catalog and fast shipments all over the world. We hold distribution rights with all of the publishers we promote and are in continuous search of new interesting titles to propose to our customers. We are part of Brandon Group SRL (an Italian company) and all of the orders are shipped from Europe. Depending on availability orders will be picked from our different warehouses. CONTACT US If you have any questions please do not hesitate to contact us sending a message to our store. We have a well prepared customer service team who will be happy to assist you. Our working hours are from Monday to Friday from 9:30 to 18:30 (CET, UTC +1) so messages received during the weekends might be responded with a slight delay but we guarantee you will get back to you as soon as possible. RETURNS If you want to return your order, please submit your request through Abebooks platform. Returns requests are managed case by case by our team and always in line with Abebooks policies: AbeBooks? Return Policy guarantees that you can return any book for a refund within 30 days, when the return is due to an error on the bookseller?s part. When the motive of the return is not due to an error of the seller it is up to Brook Bookstore to accept the return or else after studying the case. CANCELLATION You can send a cancellation request to our customer service team while the package has not yet been shipped. After that we cannot ensure we can retrieve the parcel but we suggest you to get in touch with us in order to verify the case. INVOICE You can request the invoice to be issued together with the shipment of the order or, at the latest, in the same month of the shipment.

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Seller's business information

Brandon Group S.R.L.
Via Vannella Gaetani 27, Brandon Group, Napoli, NA, 80121, Italy

Sale & Shipping Terms

Terms of Sale

Account dedicated to Print on Demand titles.

CANCELLATION
You can send a cancellation request from the order page while the package has not yet been shipped. After that we cannot ensure we can retrieve the parcel but we suggest you to get in touch with us in order to verify the case.

INVOICE
You can request the invoice to be issued together with the shipment of the order or, at the latest, in the same month of the shipment.

RETURNS
If you want to return your order, please contact us for authoriz...

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Shipping Terms

Shipping rates from Italy to U.S.A.

Shipping rates from Italy to U.S.A.
Order quantity	25 to 40 business days	60 to 60 business days
First item	US$ 6.36	US$ 591.12

Delivery times are set by sellers and vary by carrier and location. Orders passing through Customs may face delays and buyers are responsible for any associated duties or fees. Sellers may contact you regarding additional charges to cover any increased costs to ship your items.