Moreover, says Robert Hartwig, of the Insurance Information Institute, an American trade body, most existing non-life policies are nondiscretionary.

此外，(美国商业组织)保险信息研究所[注3]的罗伯特·哈特维希(Robert Hart wig)说，现有的大多数非寿险保单都是强制性的[注4]。

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That typically includes theft and vandalism due to looting after storms, notes the Insurance Information Institute.

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However, the main bone of contention between the chambers is the proposed limits on lawsuits, says Robert Hartwig at the Insurance Information Institute.

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The Deutsche Bank estimate echoes preliminary speculation from the Insurance Information Institute that U.S. and non-Japanese insurers could escape the Japanese earthquake with limited damage.

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