Being hit by a negligent driver is bad enough but being hit by a driver who does not have insurance can be worse. According to a 2021 report from the Insurance Research Council, one in eight drivers does not carry insurance. Uninsured and underinsured motorist...
New Texas legislation limits catastrophic injury claims
It is no exaggeration to say that driving on a public road has become increasingly hazardous for Texans in recent years. Not only must drivers navigate crowded streets to run daily errands, commute to work, or travel for vacation or to visit family, but they must do...
Know the required time limits for commercial insurance claims
Texas business owners know that having a good commercial insurance policy is extremely important, and one of the best ways to protect their business. When an unexpected event occurs that causes your business to suffer damage or losses, your commercial insurance policy...
When can people use their long-term disability insurance?
Texans depend on insurance policies to help them out should they be faced with certain terrible situations. One of these types of policies is disability insurance. There are two types of disability insurance policies. One is short-term disability insurance and the...
Pre-existing condition clauses and disability
For many Texas workers, injuries and illnesses can be overwhelming financially and emotionally. Being protected from this potential challenge is important. So too is it important that they have a certain level of peace of mind that comes from being insured against...
Three reasons why your claim may be delayed
Dealing with an insurance company can be a nightmare. You oftentimes have to navigate complex and confusing policy terms, and your insurance or someone else’s insurance who is going to cover your losses may be challenging to work with. As a result, you can see...
What should I do if my health insurance claim is denied?
Your health insurance company is supposed to take care of you when you get injured or sick, right? While that’s certainly the hope, the sad reality is that many times insurance companies deny or delay paying claims. After all, they’re in the business of making money,...
Why your uninsured motorist claim may be denied
A car accident can occur in the blink of an eye, leaving you injured, your car damages, and your emotions frayed. After the dust settles, you might breathe a sigh of relief knowing that you have uninsured or underinsured motorist coverage. But the sad reality is that...
The ERISA claim and appeal process
Being insured is important for residents in Texas and elsewhere. With a traditional insurance company, a claim is filed based on the terms of the insurance contract. Thus, if an insurer refuses to pay a claim for a benefit, it is possible for them to file a suit in...
Do Texas delivery drivers need specific types of auto insurance?
With the status of the economy in flux and many Texans struggling to make ends meet, a growing number have turned to work in which they are using their vehicles or an employer’s vehicle to make deliveries. This is an honest day’s work and can be useful as a primary...