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Double Dipping Car Insurance Claim

When doing our research into the topmost car insurance company options, we aimed at the crucial metrics that impact the entire insurance experience for clients. As a result, we compiled a well-weighed list of the most reliable insurance companies offering the best options for their clientele.

Among the factors laying the foundation of our thorough selection are the following:

  • average premiums for various types of vehicle owners
  • the spectrum of unique features and discounts
  • coverage options offered
  • testimonials of real customers
  • collision claims grades
  • non-complicated process of getting the insurance
  • straightforward website
Show summary
Best Car Insurance Company
Geico
Average annual rate for good drivers:
Average annual rate for drivers with a speeding ticket:
Complaint level:
$1,182
$1,579
Low
Details
Grade from Collision Repair Professionals:
C-
Accident Forgiveness:
Yes
New Car Replacement:
No
Gap Insurance:
No
Diminishing Deductible:
No
SR-22s:
Yes
Usage-Based Insurance:
Yes
Pay-Per-Mile Insurance:
No
About Geico:
Geice sells car insurance for a number of different kinds of vehicles: cars, motorcycles, classic cars, recreational vehicles (RVs), all terrain vehicles (ATVs) and boats. Emergency road service, rental car reimbursement and mechanical breakdown insurance are available as optional insurance coverages with Geico-insured vehicles. Travelers driving to Mexico will have to purchase a separate car insurance policy for their time in Mexico. Daily policies, 6-month policies and annual Mexican auto policies are all available from Geico.
Discounts:
  • Vehicle Equipment Discount – potentially save up to 23% on air bags, anti-theft systems, and other car features.
  • Driving History & Habits – can save up to 22% for drivers who are accident-free for five years.
  • Federal Employee (Eagle) and Military discount of up to 12%.
  • Multi-Policy and Multi-Vehicle discounts for loyal customers.
Pros & cons
Pros:
  • The number of complaints against GEICO are much lower than expected for an insurance company of its scope and size.
  • It offers numerous discounts on products and services.
  • The firm has a robust mobile app and online platform.
  • Has one of the lowest overall average premiums in the US.
Cons:
  • High average rates for drivers with a DUI.
  • You’ll have to look elsewhere if you want coverage features such as new car replacement, a vanishing deductible or rideshare insurance.
  • Geico’s average discount for bundling auto and home insurance is rather low at 8%.
Nationwide
Average annual rate for good drivers:
Average annual rate for drivers with a speeding ticket:
Complaint level:
$1,540
$1,970
Very Low
Details
Grade from Collision Repair Professionals:
C
Accident Forgiveness:
Yes
New Car Replacement:
Yes
Gap Insurance:
Yes
Diminishing Deductible:
Yes
SR-22s:
Yes
Usage-Based Insurance:
Yes
Pay-Per-Mile Insurance:
Yes
About Nationwide:
Started as a small mutual auto insurance company in 1926, Nationwide has grown into one of the biggest insurance and financial services companies in the world. They are a Fortune 100 company that offers a full range of insurance and financial services across the country. Our products include car, motorcycle, homeowners, pet, farm, life and commercial insurance. We also offer annuities, mutual funds, retirement plans and specialty health services. Nationwide is headquartered in Columbus, Ohio, and serves people across all 50 states.
Discounts:
  • Multi-policy discount. Bundling your car insurance with a homeowners insurance policy from Nationwide.
  • Accident-free discount. If you have an accident-free driving record, you’re eligible for a discount.
  • Good student discount. A discount if you have a young driver ages 16 to 24 who has a “B” average or better in high school or college.
  • Defensive driving discount. You may be eligible for a discount if you finish a state-approved driver’s safety class. In some instances, this is available only to customers age 55 or older.
Pros & cons
Pros:
  • Terrific car insurance rates when adding a teen driver to a policy, which is typically very expensive for parents.
  • Relatively affordable premiums for drivers with poor credit.
  • Offers accident forgiveness, new car replacement and vanishing deductible options to add to your policy.
  • Offers usage-based insurance program (SmartRide) for good drivers who want to lower their car insurance rates based on driving habits.
Cons:
  • High auto insurance rates for drivers who cause an accident with injuries.
  • High car insurance premiums for drivers with a DUI.
  • Rideshare insurance coverage is not offered.
Travelers
Average annual rate for good drivers:
Average annual rate for drivers with a speeding ticket:
Complaint level:
$1,435
$1,828
Very Low
Details
Grade from Collision Repair Professionals:
C+
Accident Forgiveness:
Yes
New Car Replacement:
Yes
Gap Insurance:
Yes
Diminishing Deductible:
Yes
SR-22s:
No
Usage-Based Insurance:
Yes
Pay-Per-Mile Insurance:
No
About Travelers:
Travelers initially began as two separate companies: Travelers and the St. Paul Fire and Marine Insurance Co. The first Travelers policy was sold in 1864 for 2 cents. In 1855, St. Paul Fire and Marine Insurance Co. paid its first claim when a fire spread from a bakery to a row of offices. Fast forward to 2004 and the two companies merged to create The St. Paul Travelers Cos.. In 2007, the company changed its name to The Travelers Cos. Today, Travelers has 30,000 employees serving customers for personal, business and specialty insurance.
Discounts:
  • Multi-policy discount. Save as much as 13% on your auto insurance premium when you buy homeowners insurance or condo insurance or another insurance policy from Travelers.
  • Multi-car discount for insuring more than one car with Travelers.
  • Home ownership discount if you own your house or condo, even if it’s insured by a different company.
  • Safe driver discount for Travelers customers who have had no accidents, traffic violations or major comprehensive claims in the household in the past three to five years.
Pros & cons
Pros:
  • Great price for loan/lease gap insurance at around $39 per year.
  • Good average auto rates for drivers with a DUI on their records compared to top competitors.
  • Offers accident forgiveness and also minor violation forgiveness.
  • Offers a usage-based insurance program (IntelliDrive), which may get safe drivers a good-sized discount.
Cons:
  • Rates are on the high side for adding a teen driver to your policy.
  • Offers rideshare insurance, but only in a couple of states.
  • Travelers’ bundling discount for buying both auto and home insurance is on the low end at only 10%.
USAA
Average annual rate for good drivers:
Average annual rate for drivers with a speeding ticket:
Complaint level:
$1,141
$1,381
OK
Details
Grade from Collision Repair Professionals:
C
Accident Forgiveness:
Yes
New Car Replacement:
Yes
Gap Insurance:
No
Diminishing Deductible:
No
SR-22s:
Yes
Usage-Based Insurance:
Yes
Pay-Per-Mile Insurance:
No
About USAA:
USAA has been serving military members and their families since 1922. It began when 25 Army officers decided to insure each other’s vehicles. Today, USAA serves millions of members with its diversified group of financial services companies. You can join USAA only if you are a current or former military member or the spouse of a military member. Children of military members may join USAA as well. USAA sells insurance for a wide variety of vehicles: cars, motorcycles, recreational vehicles, boats and classic cars. For members with their pilot’s license, USAA offers aviation insurance.
Discounts:
  • Bundling discount. You can save up to 10% when you bundle USAA auto and home policies.
  • Safe driver discount. Have a good driving record for more than five years and you’ll earn a discount from USAA.
  • Defensive driving discount. Make sure to get this discount if you take an approved defensive driving course.
  • Driver training discount. This is for finising a basic driver’s training class.
Pros & cons
Pros:
  • Offers consistently good prices.
  • USAA has the cheapest average car insurance rates for good drivers when compared to top competitors.
  • USAA charges nearly $200 less on average to drivers with a speeding ticket compared to the nearest competitor.
  • USAA has the second cheapest average rates for drivers with a DUI when compared to competitors.
Cons:
  • Higher level of complaints than top competitors but still below the industry average.
  • USAA has strict eligibility requirements so it may not be available to you. USAA sells insurance to active, retired, and separated veterans with a discharge type of “Honorable” from the U.S. military and their eligible family members.
Auto-Owners
Average annual rate for good drivers:
Average annual rate for drivers with a speeding ticket:
Complaint level:
$1,532
$2,024
Low
Details
Grade from Collision Repair Professionals:
B+
Accident Forgiveness:
Yes
New Car Replacement:
Yes
Gap Insurance:
Yes
Diminishing Deductible:
Yes
SR-22s:
No
Usage-Based Insurance:
Yes
Pay-Per-Mile Insurance:
No
About Auto-Owners:
In July 1916, Vern V. Moulton and four associates created Auto-Owners Insurance in Mount Pleasant, Michigan. In 1935, they expanded their business outside of Michigan, starting in Indiana. Auto-Owners began selling life insurance in 1966. Today, Auto-Owners sells insurance in 26 states and is represented by more than 48,000 licensed agents. Auto-Owners Insurance offers a variety of vehicle insurance options, including cars, all terrain vehicles, off-road vehicles, motorcycles, trailers, boats, motorhomes and recreational vehicles.
Discounts:
  • Multi-policy discount. Bundling another insurance policy (such as home insurance) with your auto policy can land you a discount.
  • Life multi-policy discount. You can get additional savings when you have a qualifying life insurance policy with Auto-Owners.
  • Multi-car discount. If you insure two or more vehicles with Auto-Owners, you’ll receive a discount.
  • Safety features discount. Make sure to get this discount if your car has safety features such as airbags, anti-theft devices and anti-lock brakes.
Pros & cons
Pros:
  • Gives a pretty good discount of 14%, on average, for paying in full for an auto insurance policy.
  • Gap insurance is available.
  • Offers coverage add-ons of accident forgiveness and a diminishing deductible. Also offers new car replacement coverage.
  • Good drivers can try out Auto-Owners’ usage-based insurance program (TrueRide) to possibly lower their car insurance rates.
Cons:
  • High average rates for drivers with a DUI.
  • Highest auto insurance rates for drivers with poor credit among the companies we analyzed.
  • Very expensive average increase of almost $3,580 when adding a teen to a policy.
State Farm
Average annual rate for good drivers:
Average annual rate for drivers with a speeding ticket:
Complaint level:
$1,402
$1,607
Low
Details
Grade from Collision Repair Professionals:
C
Accident Forgiveness:
No
New Car Replacement:
No
Gap Insurance:
No
Diminishing Deductible:
No
SR-22s:
Yes
Usage-Based Insurance:
Yes
Pay-Per-Mile Insurance:
No
About State Farm:
State Farm was founded in 1922 by a retired farmer and insurance salesman George Mecherle. It began as a single-line auto insurance company, they now offers more than 100 different products and services across five different industries. State Farm launched State Farm Ventures, which focuses on investing in startups that develop technologies and products with a goal to improve customer satisfaction. It is the largest auto insurance company in the U.S. with a market share of nearly 17%. The closest insurer in terms of size is Allstate with nearly 10% market share.
Discounts:
  • Accident-free discount. If you drive without having an accident for three years in a row, you can qualify for an accident-free discount from State Farm.
  • Good student discount. If a student is age 16 to 25, is going full-time to high school or college, and has a B average, 3.0 grade point average or other qualifications, you can save up to 25% discount on car insurance from State Farm.
  • Loyal customer discounts. Insure more than one car with State Farm and you could save as much as 20%. Insure a home or a condo or sign up for life insurance or renters insurance with State Farm alongside your auto insurance policy and you can save up to 17% with a multi-policy discount.
  • Defensive driving course discount. Take a defensive driving class and you may be eligible for a discount of 10% to 15%.
Pros & cons
Pros:
  • Terrific rates for folks with an accident or speeding ticket on their records. (USAA is a tad cheaper but eligibility is restricted to military families and veterans.)
  • Great average rates when adding a teen driver to a policy.
  • Very competitive rates for senior drivers, who can see rate increases as they get older.
  • Has decent rates for drivers with a DUI and will file SR-22 forms for those who must have them.
Cons:
  • Especially high rates for drivers with poor credit.
  • Doesn’t offer gap insurance.
  • If you want coverage options such as accident forgiveness, new car replacement or a vanishing deductible you’ll have to look elsewhere.
Allstate
Average annual rate for good drivers:
Average annual rate for drivers with a speeding ticket:
Complaint level:
$2,022
$2,301
Low
Details
Grade from Collision Repair Professionals:
C-
Accident Forgiveness:
Yes
New Car Replacement:
Yes
Gap Insurance:
Yes
Diminishing Deductible:
Yes
SR-22s:
Yes
Usage-Based Insurance:
Yes
Pay-Per-Mile Insurance:
Yes
About Allstate:
Allstate Insurance was founded in 1931 as an auto insurance company. The first policy, costing $41.60, was a 12-month policy for a 1930 Studebaker. The name came from a car tire in the Sears catalog. Today Allstate ranks at No. 4 for private passenger auto insurance, behind State Farm, Geico and Progressive.
Discounts:
  • Multiple policy discount: If you have more than one Allstate policy, you could save money off your premiums.
  • Early signing discount: If you sign your policy seven or more days before it becomes effective, you could receive a discount.
  • Responsible payer discount: If you haven’t received a cancellation notice within the past year, you can get a discount.
  • Anti-lock brake discount. Driving a car with anti-lock brakes will save you money on your car insurance.
Pros & cons
Pros:
  • Auto insurance complaints against Allstate are much lower than the industry average.
  • Offers both usage-based and pay-per-mile insurance options for drivers looking to save money.
  • If you are the first owner of a car that is the current model year or one year prior, you could save money on your premium payments.
  • If you have an anti-theft device in your car, you’ll save money on your car insurance premium.
Cons:
  • Allstate car insurance rates are usually the highest among the largest auto insurers.
  • Auto repair professionals give Allstate a C- grade for its collision repair processes.
  • Customer ratings are below average for auto insurance claims satisfaction compared with other companies.
Erie Insurance
Average annual rate for good drivers:
Average annual rate for drivers with a speeding ticket:
Complaint level:
$747
$692
Higher than Industry Average
Details
Grade from Collision Repair Professionals:
C
Accident Forgiveness:
Yes
New Car Replacement:
No
Gap Insurance:
No
Diminishing Deductible:
No
SR-22s:
Yes
Usage-Based Insurance:
No
Pay-Per-Mile Insurance:
No
About Erie Insurance:
From our modest roots starting in 1925 as a Pennsylvania auto insurer, we've grown to become a multi-line insurance company, offering auto, home, business and life insurance through our network of independent insurance agents. Today, our geographic presence extends to 12 states and the District of Columbia; from New York to North Carolina and from Wisconsin to Tennessee. At ERIE, we adhere to disciplined underwriting, fair pricing and a prudent investment philosophy. These factors have contributed to our ability to earn consistently superior ratings in the insurance industry. The combination of a quality agency force, a commitment to customer service and the financial stability provided by Erie Insurance Group assures our customers that we’ll be there when they need us most.
Discounts:
  • Buying policies for multiple cars or bundling home and auto insurance
  • Safe driving
  • Paying for a year's insurance upfront
  • Owning a car with safety equipment, like airbags
Pros & cons
Pros:
  • Least expensive coverage in our ratings.
  • Offers true-replacement cost as standard.
  • Add-on coverage bundles.
Cons:
  • No online quotes.
  • Agent only sales model.
  • Coverage limited to 14 states.
Summary: Best Car Insurance Company Ratings

There are a variety of differences in secured and unsecured personal loans. We have listed the key differences in the comparison table below:

Company Types of discounts Collision repair grade Complaint level Rating
Geico Driver’s Education, Driver Affiliation, Good Driver, Good Student, Military, Multi-Policy, Multi-Vehicle, Vehicle Equipment, Driving History & Habits, Customer Loyalty, as well as moto discounts with considerable potential savings. C- Low
Nationwide Smart Ride Multi-Policy, Accident-Free, Anti-Theft, Safe Driver, Defensive Driving, Smart Ride, Good Student, Smart Miles, Automatic Payments, and more options for customers to decrease their premium expenses. C Very Low
Travelers Multicar, Home Ownership, Continuous, New Vehicle, Safe Driver, Good Payer, Good Student, Driver Training, Hybrid or Electric Car, Pay in Full, and other considerable discounts to reduce monthly insurance payments. C+ Very Low
USAA New Car, Military Service, Accident-Free HIstory, Good Student Grades, Multi-Car Policy, Anti-Theft, Car Storage Discount, Continuous Client Discount, and many options for considerable savings on car insurance. C+ Ok
Auto-Owners Life-Long, Multi-Policy, Clear Payment Record, Full pay, Environment-Friendly/Paper Free, Early Quote, Safe Driver, Anti-Theft, Multi-Vehicle, Deductibles Cut, Good Student/Good Driver DIscounts, and other options to cut down your monthly premiums. B+ Low
State Farm Steer Clear, Safe/Good Driver, Defensive Driving, Car Safety, Anti-Theft, Multiple-Policy, Savings Bundles, and other beneficial discount programs for smart drivers and considerable savings. C Low
Allstate Full Pay, New Car, Good Payer, Smart Student (grades must fit), Early Sign, Multiple-Policy, Safe Drivers, together with a unique eSmart discount available for reasonable vehicle owners. C- Low
Erie Deductible Decrease, First Car Accident Mercy, Multi-policy, Safe Driver, Teen Driver, College, Car Storage, and other considerable payment discounts varying in potential savings. A- Higher than the industry average
Progressive Multi-Vehicle, Multi-Policy, Safe Driver, Continuous Use, Good & Distant Student, Homeowners, Teen, as well as other beneficial discounts for Online quoting and signing. Pay in full, Automatic, and Paperless discounts are in the play. C Ok
Farmers Good Student, Multi-Vehicle, Alt Fuel, Auto-Owners/Home Owners, as well as Non-Smoker, Business Group, Professional Group, plus Multi-Line Discounts and other great options simple to apply for with a special eSignature. C Higher than the industry average
Pick best car insurance company in 1 click
FAQ

The answer is generally yes. In most states of America, most car insurance policy companies will help their clients to pay for the expenses caused by their vehicle's theft. Such cases are seen by most insurance companies alike to those of vandalism. In both kinds of situations, unfortunate car owners can get their refunds in full or partially, depending on the particular car insurance company's policies. The more comprehensive your car insurance policy is, the higher the chances of getting full coverage. However, the coverage doesn't really apply to the things that were inside of the car when it was stolen. In such cases, you need to file a police report and do it as fast as possible to be able to get the money for the lost valuables. Double Dipping Car Insurance Claim.

Car insurance coverage types can differ in coverage and cost. As to the comprehensive coverage type, it is usually obtained by drivers to use in cases such as car theft or damage caused by some situation other than Collision. 'Other than collision' is, besides, the other commonly used title for such type of car insurance coverage. Among the causes of car damage that are usually covered by comprehensive car insurance policies, there are the following: vandalism, fallen trees, other heavy things, fire, and more, depending on the insurer's conditions. Make sure your car insurance policy extends to cover certain damages that you think may occur. Anyways, it is advised that drivers have at least some coverage on their vehicles. Virginia auto insurance double dipping.

If you want to get a cheap offer from your car insurance company, you need to satisfy them in terms of several crucial factors, such as your credit history, the driver's rate, and your ability to submit all the required documents. The most important thing in the choice of car insurance company is careful research and comparison. Different insurers provide different services at varying price tags, depending on your characteristics and location. In other words, you should compare the best options, calculate your coverage and fees, and get in touch with the chosen insurer's agent to get everything discussed in advance. Double Dipping Car Insurance Claim.

Unlike comprehensive or liability types of car insurance coverage, the full type of policy incorporates all the major types of coverage; hence, the name. Among them are such insurance parts as Property Damage and Bodily Injury coverage. These two are usually followed by special insurance policies designated to protect the rights of drivers without insurance. Another common type is PIP, and the most used ones are the comprehensive and Collision insurance types. Drivers in the USA are almost always asked by their insurance companies to subscribe to at least 50% of the mentioned coverages. Of course, the full one is the best ever, but it can get too costly to obtain. Besides, picking your own r types with a view to your budget and the particular situation is also an option. Virginia auto insurance double dipping.

In some certain situations, which are generally indicated in one's car insurance declaration, a car insurance company will not cover the entire amount of expenses in the course of the after-accident measures. In other words, drivers will have to pay their own money in situations that are not included in their car insurance policies. This practice is really common among most types of car insurance coverage in the United States. Such deductibles are also common for car rental companies, while others can have multiple deductibles options in their policies. The amount will depend on many factors, like your car's value, your driving rate, and the conditions set by your policy issuer. Double Dipping Car Insurance Claim.

This is the sum of money that you, as a driver who got in a car accident, will need t pay in addition to the coverage provided to you by your car insurance company. Most car insurance companies in America set profitable conditions on their policies and provide many variants of car insurance coverage. Depending on your initial choice of coverage, your driving rate, as well as the value of your vehicle before the accident happens, the amount of deductible can differ. Some car insurance companies require several deductibles to be paid by drivers according to some of their coverage policies. Virginia auto insurance double dipping.

This type of car insurance policy coverage extends to situations when your car is deemed a total loss by your car insurance company as a result of a car accident. The idea is simple: if you get this car policy coverage added to your existing collision insurance coverage, if you get in a car crash, the insurer will pay if your car is totaled. However, to qualify for this coverage type, you need to be a leaseholder on a new car. Thus it will cover the gap between the vehicle's depreciated value and the remains of your debt as a leaseholder. Double Dipping Car Insurance Claim.

The rates for different kinds of car insurance policies can differ. There are many factors that affect the rates: location, driver's rate, credit history details, car accidents record, and more. Also, the price depends on the person's age. For instance, in the USA, teenagers have to pay twice as much money for their individual insurance as their parents would need to pay. The average monthly rate for teens in America equals 350 dollars on average, while adults need to pay only around 140 dollars per month for their individual car insurance policy. You are advised to check out several car insurance options to make a well-weighed decision. Virginia auto insurance double dipping.

Well, actually, it is quite probable that one can get their vehicles insured without having to submit a driving license. As a matter of fact, in many insurance enterprises in the USA, you can not get it done if it is not you who will be driving the car but another person. In such situations, a driving license is a total must-have. However, in reality, there are companies who might get too suspicious of unlicensed drivers and, therefore, can reject their applications. Luckily, in some states of America, unlicensed drivers will have to put the name of at least one licensed driver on their insurance policy to get their vehicles insured, which is also a way to go. Double Dipping Car Insurance Claim.

It is common knowledge that car insurance premiums might go up as a result of car accidents, with the driver's fault proved. The average increase equals 45%. If some injuries or serious private property damages have taken place, rates Can Increase even more. In a situation when all injuries to individuals and damage to property have been done by someone else's fault rather than the driver's, the rate increase is more pleasant. However, it is still usually the case. Sometimes, the difference can be really significant. Your car insurance company will still consider you a high-risk driver; therefore, your rates will be high. There are states in the USA where the rate of post-accidental increase is way bigger than anywhere else. Comprehensive coverage may make your premium go up a little, though. Virginia auto insurance double dipping.

What Affects Car Insurance Premium

As to the car insurance price tag, there are several factors that insurance companies base their decisions on.

Among them are the following:

  • Driving history of the car owner insured
  • Age of the driver
  • Experience in driving
  • Place of residence
  • The type of the preferred coverage option
  • The number of deductibles (if a collision or comprehensive coverage types are concerned)
  • The model of the car
  • Previous insurance record to find out if the insured missed deadlines or, vice versa, insured the vehicle with all conditions met

The insurance score depends on the credit history of the insured ( Law in such states as California, Massachusetts, Michigan, and Hawaii doesn’t allow insurance companies to calculate car insurance scores based on credit scores)

How to Get the Best Car Insurance Options Available?

First, one should make a well-thought-out decision as to what type of car insurance one requires. Having chosen the type and outlined the budget, you need to find the best car insurance you can afford. Average premiums — amounts of payments you should pay monthly or annually according to your insurance policy— vary greatly based on many factors, such as the company, their location, variety of features and discounts they offer, and more. 

To get your car insured, you should first compare the offers available and find the one that fits your plans and wallet capacity. For example, in California, quotes for a driver with a good driving record amounts to nearly 4000 dollars, while the bottom line is somewhere at 1700 dollars annually, while some other companies offer the same type of coverage for around 2300 dollars. 

In order to pick the most beneficial car insurance option, follow these simple steps:

1. Get multiple quotes

Try and test as many options as you can until you find the best-fitting one. You may bump into a really advantageous offer by getting as many quotes as possible. There is  always an opportunity to find the most well-priced car insurance offers available. You can do it on the internet online or by addressing the issue to your insurance agent— absolutely free of charge.

2. Seek discount offers

Most decent insurer companies provide multiple great discounts for various categories of drivers. Also, there are ways you can decrease the amount of premium you should pay to the insurer company.

Here are some of them:

  • You can buy an entire package of different insurance services from the same insurer. You can combine your vehicle and your household insurance policies and get a discount from the insurer.
  • What also works to bend the level of insurance costs is getting several vehicles insured with the same insurer.
References
  1. Installment Loans Georgia Department of Banking and Finance
    https://dbf.georgia.gov/installment-loans
  2. leginfo.legislature.ca.gov
    https://leginfo.legislature.ca.gov/faces/codes_displaySection.xhtml?lawCode=CIV&
  3. Adverse Selection on Maturity Federal Reserve Board
    https://www.federalreserve.gov/conferences/files/adverse-selection-on-maturity.pdf