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Introduction ix
Acknowledgments xiii
The Crisis
The Crisis: A Long Time Coming 3
How the Industry Got Where It Is Today: A Rogues' Gallery 31
How the Industry Got Where It Is Today: Unpaid Claims and the Storm After Hurricane Katrina 63
How the Industry Got Where It Is Today: Foreign Takeovers, Unregulated Reinsurers, Insurer and Claimant Fraud 79
The View from Outside: A Report Card on State Regulation 99
Trends: The Next Decade 115
The Public Uproar and a Crescendo of Distrust 151
The Solution
Fifty Nonuniform State Fiefdoms 173
Winds of Change: How to Improve the Industry 195
The Solution: UFOIL-A Two-Step Process of Consumerization and Federalization 219
Index 233
About the Author 239
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