One of the key differences between the admitted market insurers and surplus lines market insurers is that surplus lines insurers do not have to follow most Texas insurance laws. For example, surplus lines insurers do not have to let TDI review their …
Get Written Estimates Make sure to get written estimates of the damage and repair cost. Your insurance company will also give you an estimate of what the covered repairs should cost. The estimates from the contractor and the insurance company could be …
Shopping Tips – Auto Insurance Be sure to review coverage choices carefully. Some companies offer limited coverage for a low price and better coverage for only a few more dollars. Quotes from two companies may seem close but have different levels of …
What Are Medical Codes? Medical codes are the way doctors and other healthcare professionals describe medical diagnoses and treatments. These codes are important for understanding how medical billing works and can affect what you pay and what is covered …
When are air ambulances used? Air ambulances are used to quickly transport patients in life-threatening medical situations or to transport between hospitals. They are often used in cases involving stroke, heart attack, respiratory diseases, pregnancy …
1. Shop Around Prices can vary, so it often pays to shop around. Check out our Policy Comparison Tool and HelpInsure.com to compare coverages and sample rates. Remember to never shop for an insurance policy on price alone! 2. Higher Deductibles A …
The 86th Texas Legislative Session concluded on May 27, 2019. Several bills passed that positively impact Texas insurance consumers. Below are summaries highlighting some of the consumer protection bills passed by the Texas Legislature and signed by the …
Hurricane season lasts from June until November. Hurricanes can’t be prevented, but there are steps you can take to protect yourself, your family, and your belongings from damage. Before a Hurricane Plan your evacuation route and create an emergency …
If you’re engaged or newly married, the last thing on your mind is reviewing your insurance needs or updating your policies. However, before tying the knot, it’s important to sit down and discuss your current insurance situation and what you might need to …
Your doctor or other healthcare provider can request the the renewal of an existing preauthorization at least 60 days before a preauthorization expires. Health plans must review and decide on a renewal request before the existing preauthorization expires …
Tornado season is upon us. According to the National Oceanic and Atmospheric Administration (NOAA), Texas had 92 tornado events last year that affected 69 counties and equaled over $12 million in property damage. Tornadoes can’t be prevented, but there are …
A home inventory is a detailed list of items in your house that you make in the case of theft or damage. Creating a list can be time consuming, but it is better to do so now rather than trying to make one from memory later. A home inventory list can help …
Hail causes around $1 billion in damage to property and crops each year. In 2020, Texas had the most wind/hail losses in the U.S. – with 601 hail events (Insurance Information Institute). While hail storms can’t be prevented, there are steps you can take …
A declarations page, often called a “dec page,” can be found in the front of your policy. The dec page summarizes your policy and coverages, limits and deductibles, and the dates your policy is effective. Auto insurance dec pages also list the insured …
We’ve been working hard for consumers this year. Here are just some of our biggest 2018 achievements: Reviewed, analyzed, and intervened in approximately 1,500 rate, rule, and form filings. Advocated for lower auto and homeowners insurance rates and fees …
Home fires occur more in winter than during any other season. These tips will help you take precautions and ensure your home is safe and free of insurance claims this winter! *️⃣ To learn more about homeowners insurance, visit The Basics, Shopping Guide …
Notice of Claim No later than 15 days after you give your notice of claim, your company must: a) let you know they got your claim, b) start their investigation, and c) ask you for any other info they need. *️⃣ Your company may ask you for more info during …
Long-term care insurance pays for personal care or services you might need because of an illness, disability, or cognitive impairment like Alzheimer’s disease. It’s different from health insurance. Health insurance covers illnesses or injuries but will …
Identity theft – pays to recover your stolen identity and repair your credit. Data restoration – pays for the cost to restore your data and get your computer working. Cyber extortion – pays for the cost of restoring your data that a hacker is holding …
For example: The HOA has insurance coverage for $1,000,000, and 50 members. An accident occurs at the HOA-owned swimming pool and costs the HOA $1,500,000. The HOA has no other money to pay the loss. Where will the HOA get the last $500,000? The HOA will …
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