The American Bus Association Foundation (ABAF) released initial findings from its national study of the insurance crisis facing the U.S. motorcoach industry, offering new insight into rising premiums, dwindling coverage options, and the growing financial burden on operators and their customers. 98% of respondents reported insurance premium increases over the past five years, while 53% said their premiums more than doubled. For roughly one-third of operators, insurance now represents 20% or more of total operating expenses. Taken together, the initial data show that operators are investing in safety technology and most report no material increase in claim frequency. The research began with a review of insurance-market data, industry research, federal and state laws, litigation patterns, and stakeholder perspectives.