Did Allstate Just Find a Loophole in Texas Data Privacy Laws

Tate Ellison
Allstate data collection

Texas Court Ruling Shields Allstate in Landmark Data Privacy Case A Texas court has delivered a striking decision in the ongoing data privacy battle between Attorney General Ken Paxton and insurance giant Allstate Corp. On April 10, Judge Vince Santini of the 457th District Court ruled that Allstate and its subsidiary, Arity 875 LLC, cannot be sued in Texas for allegedly harvesting consumers’ driving data without consent. The reason? Neither company is headquartered nor incorporated in Texas. For Attorney General Paxton, this is no ordinary case. It’s a whopping blow…

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5,000 Denials and Counting: Why Nevada Homeowners Are in Crisis Mode

Ben Jones
Nevada Homeowners Are in Crisis

Wildfire Risks Leave Nevada Homeowners Without Insurance Imagine opening a notice in the mail and discovering your home insurance has been canceled. For hundreds of homeowners in Nevada, this isn’t a hypothetical situation. Insurance companies, wary of increasing wildfire risks, are pulling out of high-risk areas, leaving families scrambling for coverage and, in many cases, coming up empty. A striking 481 homeowners in Nevada saw their insurance policies canceled or were denied renewal in 2023 due to wildfire risks. That’s an 82% rise compared to the previous year. What’s worse,…

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Colorado’s Home Insurance Rules Echo the Affordable Care Act for Health Insurers

Nordstrom
Coloroda Home Insurance Reforms

Colorado is rolling out major reforms to its home insurance market, and if the changes feel familiar, there’s good reason. The state’s new legislation bears a striking resemblance to the Affordable Care Act (ACA) in how it aims to ensure fairness and hold insurers accountable. But unlike health insurance, where metrics like medical loss ratios are more stable, applying similar rules to home insurance opens up a whole new set of challenges. What’s the 75% Rule All About? Under the new law, Colorado home insurers are required to spend at…

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Farmers Insurance Escapes Whopping $26M Judgment – Here’s Why It Matters

Live Insurance News
Farmers court ruling insurance law

Oregon Supreme Court Ruling in Bellshaw v. Farmers Insurance Company of Oregon Rewrites the Playbook for Insurer Obligations The Oregon Supreme Court’s April 2025 decision in Bellshaw v. Farmers Insurance Company of Oregon has drawn attention across the insurance industry, raising questions about insurer liability, policyholder rights, and the future of regulatory practices. By reversing a staggering $26.3 million class action judgment against Farmers Insurance, the court defined the scope of insurers’ obligations under Oregon’s “choice-of-shop” insurance law, leaving both insurers and policyholders to grapple with its broader implications. A…

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Tesla Insurance Tweaks Draw Mixed Reactions From Drivers and Insurers

Angela Linders
Tesla

Tesla’s Risky Move to Refine Risk Ratings Tesla Insurance Services Inc. has once again landed in the spotlight—but this time, it’s about subtraction, not innovation. The electric vehicle (EV) giant recently announced it would no longer use forward-collision warnings as part of its proprietary Safety Score Beta program. This comes on the heels of ongoing lawsuits alleging some controversial practices inflated premiums for Tesla drivers. The move raises eyebrows, not just for what it says about Tesla’s insurance ambitions but also for the broader debate on telematics and consumer privacy.…

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Homeowners Insurance in Colorado Is Out of Control. Here’s How the State Is Fighting Back

Logan B.
Homeowners Insurance in Colorado

Colorado’s Push to Tame Homeowners Insurance Costs with State-Funded Programs With insurance rates soaring and natural disasters reshaping risk models, Colorado is taking bold strides to tackle skyrocketing homeowners insurance costs. From introducing a new state-backed reinsurance program to launching the FAIR Plan for vulnerable properties, policymakers are navigating a labyrinth of challenges to bring relief to stressed homeowners. But as with any grand plan, the devil is in the details. Understanding the Proposed Fee At the core of Colorado’s legislative efforts lies House Bill 1302, a proposal designed to…

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Pay-As-You-Go Auto Insurance: Custom Coverage for Today’s Driving Habits

Guest Author
mileage based insurance

The conventional auto insurance model was designed for a world where most people commuted daily and used their vehicles consistently. Today’s reality is far more diverse, with remote work, ridesharing, public transportation options, and varying driving patterns becoming increasingly common. Pay-as-you-go auto insurance has emerged as a flexible solution tailored to these modern driving habits.  Understanding Pay-As-You-Go Auto Insurance Models Pay-as-you-go auto insurance encompasses several different approaches, all designed to align coverage more closely with actual vehicle usage: Usage-Based Programs These monitor your driving habits through telematics devices or smartphone…

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