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Homeowners insurance policies have their limits.
Sometimes life just is not fair. You think you have done everything absolutely right and then circumstances show you everything is turning out wrong. So it is that you get to see the end of hope played out in court cases. You know it should never come to this but, when it comes to people’s [...]
Full StoryHomeowners insurance does not cover damage to land.
What happens when the gulf oil comes ashore?
There is a sad fact of life when it comes to dealing with insurance companies. You should read all the small print before you buy a policy and, if you are surprised at how the insurer decides to interpret the policy when you make a claim, you must [...]
Auto insurance and your age
There are many people out there who still don’t know how insurance providers calculate their rates for insuring their autos. It comes to the point when people ask their insurance agents why their neighbors have lower rates while driving the same car and getting insurance form the same provider? Unfortunately, it’s quite common for insurance [...]
Full StoryHomeowners insurance is getting more expensive in Texas.
Tough times for the Commissioner
One of the most important lessons of the last two years is that having regulators in place does not mean having consumer safety. Wherever you look from the failure of the SEC to police the banking industry, to the failure of the FDA to keep food and drugs safe, to the [...]
Health insurance through Health Savings Accounts
Health Savings Accounts (or HSAs) have become a very popular form of health coverage these days because of their tax deduction policy and the ability to accumulate additional funds as a retirement plan. However, despite the numerous benefits customers get with HSAs, the main reason for thousands of Americans to choose this form of insurance [...]
Full StoryAuto insurance purchasing FAQ
Q: Should I carry insurance with my car?
A: Almost all states make it mandatory for the car owner to carry insurance with his vehicle as a proof of financial liability in case there’s damage or injury delivered to third parties while being on the road. Not having sufficient insurance coverage (lower than the state minimum) [...]
Car insurance – health costs force rise in premiums
Even though the warring parties cannot agree on any policies to reform the healthcare industry, there is some agreement that what we have now is broken. Looking around the world makes for depressing comparisons. As a nation, we pay a higher percentage of our wealth on healthcare, but receive a significantly inferior product. More people [...]
Full StoryAuto insurance tips on drunk driving
It’s really hard to avoid family meetings and friend parties during the festive seasons or on special occasions. When holidays come, it’s a real chance to meet all the family members and friends that you haven’t seen for a long time. And we all know, that there’s no way you can avoid drinking alcohol during [...]
Full StoryCar insurance buying FAQ
Q: Am I obliged to carry insurance coverage with my auto?
A: Nearly all states in the US legally require all drivers to have minimum amounts of liability coverage with their vehicles. In each state the minimum amounts of liability coverage are different, and not meeting these requirements usually leads to [...]
Auto insurance for teen drivers
Teenagers can’t hide their excitement when the time comes and they are old enough to drive their own cars and have their own driver’s license. What should a parent expect when the time comes and the teen gets behind the wheel? This is the question that bothers most parents. There’s no secret that teen drivers [...]
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