A client called me a couple of weeks ago. He’d been rear-ended by another person who said he had car insurance, but he didn’t. Their car insurance had been cancelled due to non-payment which meant my client had to file a car insurance claim on his policy where someone else was clearly at fault. This type of claim is referred to as an uninsured motorist claim.
I received a text message from one of our car insurance clients last week. Her car had been broken into and a ring was missing. She wanted to know if the loss of the ring was covered by her car insurance. It’s not; whenever an item that is not a part of the car is stolen from a car, it’s considered a home insurance claim…
Hurricane season runs from June 1 through the end of November. Hurricane forecasters at Colorado State University climatologists and the Tropical Storm Risk group in London predict a lighter than normal hurricane season for 2014. Both groups believe this due to cooling in the Atlantic Ocean and the re-emergence of El Nino. CSU forecasters predict 9 named storms with 3 hurricanes, 1 severe with winds greater than 110 miles per hour, while Tropical Storm Risk predicts 12 named storms, including 5 hurricanes with 2 being intense.
It’s hard to believe but summer’s only 5 weeks away and that means summer vacations are almost upon us. One of the questions I’m asked a couple of times a year by a client is whether or not their car insurance covers a rental car. It’s usually asked by someone who’s getting ready to go on a trip and rent a car in their destination.
On March 22nd, a hillside that was saturated with water from earlier rains gave way. A wall of mud, trees, and debris swept over the North Fork of the Stillaguamish River and covered an unincorporated area known as Steelhead Haven located 4 miles east of Oso, Washington. Mud, trees, and other debris covered an area of Steelhead Haven measuring 1,500 feet long, 4,400 feet wide and between 30 and 40 feet deep, roughly 1 square mile.
Unless you’ve totally unplugged from all news media and the internet over the past week, you’ve heard of the Heartbleed bug. The Heartbleed bug (it’s not a virus) is a vulnerability in the OpenSSL library, the software that makes your website and other sites secure when a person is reviewing banking records, making a purchase from your company, or updating their information or method of payment in their on-line account.
A friend of a friend called me a couple of weeks ago who wanted my professional opinion. Our mutual friend suggested he call me as he’d been in an accident a couple of months ago and was not happy with the way his claim was being handled. He’s not a client but wanted to know what his options were.
One of my clients in Frisco, Texas sent me an email last weekend. Her family’s home is located in a neighborhood that was struck by hail, some of it measuring between baseball and softball size. A flurry of roofers showed up in their neighborhood and began knocking on doors to solicit business and my client wanted to know if she should file a hail claim.
Over the last few months, I’ve worked with a number of small businesses around the Dallas / Fort Worth area regarding their commercial insurance. In each case, I begin the conversation by letting them know that getting a commercial insurance quote is much different than getting a quote for car insurance. In order to provide them with an accurate quote there are several items of information I need to gather to present to each of the underwriters I work with.
Texans have long proclaimed that everything is bigger in Texas! If you look at the population growth numbers for the top ten metropolitan areas from July 1, 2012 to July 1, 2013, that’s been especially true for Texas. In a Dallas morning news story published on Thursday, March 27, Texas has two of the top ten metropolitan areas in the country. They are Houston and Dallas / Fort Worth.
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