Taylor Graciano is a doctoral student in risk management and insurance at the University of Georgia. Her research interests include health insurance, insurance demand and consumer behavior. Graciano graduated with the highest honors as the Mountain States Outstanding Student and Outstanding Graduate of the Economics Department from New Mexico State University with a BBA in finance, economics and general business. J. Tim Query, PhD, is a professor at New Mexico State University (NMSU) in the Department of Finance. His research interests include uninsured motorists, risk management in a university setting and actuarial issues and solutions. He has published 48 papers in academic journals and is a two-time winner of the Faculty Award for Outstanding Senior Research from the NMSU College of Business. Query is a past president of the Asia-Pacific Risk Management and Insurance Association and holds the Mountain States Insurance Group Endowed Chair at NMSU.