Most Texans are familiar with the process of purchasing insurance. Once the need for insurance is identified, the person who seeks the insurance contacts an agent who sells the kind of policy (homeowners, automobile, business interruption and the like) and asks for...
As our readers know, we tend to do things differently in the Lone Star State. And, this may lead one to wonder whether ERISA claims are treated differently in Texas too. What is ERISA? ERISA is the federal law regulates employee benefit plans. Benefit plans include...
Long-term disability in Texas pays you a portion of your income if you become disabled while you are still working. Unlike short-term disability, which pays you benefits until you can resume working, long-term disability may continue for many years. There are many...
On its website the National Centers for Environmental Information's has a map noting every billion-dollar weather-related disaster in the United States so far in 2023. Calling a disaster a billion-dollar event means its damages are estimated to cost $1 billion or...
Like every other state, Texas has a regulator in charge of making sure insurance carriers and others in the insurance business follow the laws and regulations in this state. In this role, they also have some authority to advocate for policyholders and to enforce some...
Business owners may encounter situations that are beyond their control which cause them to suffer serious financial losses. Business interruption insurance is intended to help a business cover loss from an event that interferes with their normal operations. Business...
Any Texas resident who has had to interact with an insurance company before on a claim probably knows that the potential difficulty in that situation cannot be overstated. Although we all pay for insurance policies for a variety of reasons – car insurance, life...
If an insurance policyholder makes a claim, they may think that all they need to do is send the information to the insurance company and they’ll be done. In some situations, however, the insurance company may have the policyholder undergo an examination under oath...
Every year, about 5% of American workers face a temporary disability of six months or less. Their reasons can include pregnancy, injury, physical illness or mental illness, but the common factor is that their condition makes it impossible for them to earn a living the...
Texas families and businesses frequently purchase liability insurance. In many cases, they must do so. Everyone who drives on Texas’s roads has to have automobile liability insurance. Personal liability insurance or commercial liability insurance may be required by...
