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A Pilot Study of Personal Auto Insurance Literacy and its Potential

Relationship with Self-Efficacy and Channel Selection  

(work in process Click here )


Financial responsibility laws vary by state, but all involve an amount of money for each person injured in an

accident, a total amount for all persons injured in an accident and a separate amount for damage to property.

The most common method used to demonstrate financial responsibility is with an automobile insurance policy.   


New York State Financial Responsibility Law REQUIRES proof of insurance. 

An insurance policy is a LEGAL CONTRACT


PhD Inquiry Tool Exam-

Passed with no revisions

Qualitative     Quantitative


Lorraine Emerick Profiled

in Property Casualty 360 - National Underwriter

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