Category Archives: Insurance tips

Subrogation in South Africa: There’s No Difference Between a Farthing and a Rand

As Lord Mansfield ruled in one of the oldest English authorities on subrogation, payment of the loss by an insurer to its insured does not affect the liability of the wrongdoer. He set forth the basic principle as follows:
“Every day the insurer …

Will Healthcare Reform Benefits Be Realized?

According to a new report issued by independent research group The Commonwealth Fund, baby-boomers in particular will benefit from the new healthcare reform law, the Affordable Care Act of 2010. See http://thehill.com/blogs/healthwatch/health-reform-i…

California Storms Have Cars Slip Slidin’ Away

As wet weather covers the state, slick and flooded roads threaten to wreak havoc for drivers.      Motorists having to drive in wet weather should slow down, allow more space between cars while driving, turn on their headlights and …

The Importance of Knowing What Kind of Disability Coverage You Have

If you work for a company, no matter how small, you MAY have disability insurance that will pay a portion of your salary should you become unable to work. If you don’t already know, you should ask your employer whether…

Bartenders Battle To Raise DUI Awareness

Battling bartenders will descend on a downtown Los Angeles hot spot today to promote responsible holiday hospitality by competing to create the best alcohol-free mocktail. Hosted by the Insurance Information Network of California® and L.A. LIVE, th…

Provision in the Patient Protection and Affordable Care Act of 2009 Requiring Individuals to Purchase Health Insurance Declared Unconstitutional

By John M. LeBlanc and Jason C. Love
On December 13, 2010, United States District Judge Henry Hudson, sitting in the Eastern District of Virginia, ruled that the Minimum Essential Coverage Provision in the Patient Protection and Affordable Care Act of …

Article in NU argues for Mandatory Life Insurance

In these days when I feel like I can’t turn on my computer, radio or TV without hearing someone talking about how terrible government mandates are, I was honestly shocked to see the article in the December 6, 2010 edition of the National Underwriter by…

Upside Down and Inside Out: Why Tax Expenditures Do Not Benefit Low-Income Families

The number of people living in poverty in 2009 was the largest in the 51 years for which poverty estimates are available. There were 43.6 million people in poverty in 2009, up from 39.8 million in 2008, and the nation’s official poverty rate in 2009 wa…

How to Pay Less for Auto Insurance in California

Auto insurance quote is a tedious and complicated calculation. All drivers have their own unique profile based on characteristics like the number of years having a valid license, sex, the distance traveled annually, and foremost being the driving record. Further more details of your car, your location, and other demographic and risk criteria are considered […]

President Obama’s Tax Cut Deal: The Right Deal for the Unemployed and Working Poor

It has become fashionable to attack President Obama for a perceived lack of leadership and resolve. These attacks have come from all directions. Undoubtedly the tax cut compromise brokered by the President will give new fodder to his implacab…