Author: Ben Jones

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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How New Insurance Laws Could Change Auto and Home Insurance in Florida Forever

Ben Jones
Auto and Home Insurance in Florida

Florida Insurance Woes as Challenges Mount for Homeowners and Drivers Florida is at a crossroads when it comes to its insurance market, with homeowners and automotive policyholders grappling with escalating costs and industry instability. State lawmakers are taking on the issue with proposed laws that aim to create transparency, reduce premiums, and hold insurance companies accountable. However, with rising property insurance premiums and Florida’s rank as the most expensive state for car insurance, finding a workable solution is proving complex. Here’s a closer look at what’s happening, why it’s important,…

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Can AI Really Decide Your Medical Needs? Texas Says Not Alone

Ben Jones
AI in Health insurance claims

Texas Senator Pushes for Stricter AI Regulations in Health Insurance Claims AI in Health Insurance: A Double-Edged Sword The health insurance industry is increasingly turning to artificial intelligence (AI) to streamline processes like patient claims. AI promises faster results, reduced administrative costs, and fewer delays. However, as Texas lawmaker Senator Charles Schwertner highlights with his recently proposed legislation, this growing reliance on AI also comes with serious risks—especially when AI systems replace human expertise in critical medical decisions. Schwertner introduced a bill on January 16 that aims to limit the…

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Higher Coverage, Higher Costs? Massachusetts Rolls Out New Auto Insurance Law

Ben Jones
Massachusetts Auto Insurance Law

Massachusetts to Raise Minimum Auto Insurance Coverage Limits by July 2025 Massachusetts is set to implement significant changes to its mandatory auto insurance coverage requirements starting July 1, 2025. Governor Maura Healey recently signed legislation increasing the minimum insurance coverage limits, aligning with a growing trend across the United States. These updates aim to improve financial protection for drivers while minimizing the risk of policyholders facing inadequate coverage after an accident. Below, we examine the rationale behind the changes, statistics on how often claims exceed policy limits, and national shifts…

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Mississippi Supreme Court Upholds $15M Compensation in USAA Hurricane Katrina Dispute

Ben Jones
Mississippi Supreme Court

Insurance News – Mississippi Supreme Court Ruling Nearly two decades after Hurricane Katrina devastated the Gulf Coast, the Mississippi Supreme Court has reached a decisive conclusion in a high-profile case involving the United Services Automobile Association (USAA) insurance company. The court ruled in favor of the Minor family, ordering USAA to pay $15 million in punitive damages and legal fees over allegations of bad-faith conduct towards the policyholders. The ruling marks the culmination of a long legal struggle over claims tied to the destruction of the Minor family’s historic Ocean…

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The Truth About Rising Insurance Costs and What It Means for Your Wallet

Ben Jones
Rising Insurance Costs

Rising Insurance Costs in High-Climate Risk Regions: Causes and Implications Insurance costs are soaring in regions with high climate risks, leaving many homeowners grappling with affordability. Driven by factors such as inflation, legal system abuse, and government rate suppression, these rising premiums are reshaping the insurance landscape. While extreme weather events are often seen as the main culprit, a deeper analysis reveals a complex web of contributing factors. The resulting instability has pushed some consumers toward government insurance programs, underscoring the need for balanced, sustainable solutions. Factors Driving Insurance Costs…

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WA Cares Survives: A Victory for Public Long-Term Care Insurance in the US

Ben Jones
Long-Term Care Insurance in the US

Washington State Upholds Innovative Long-Term Care Insurance Program In a decisive move, voters in Washington State have chosen to uphold the state’s pioneering long-term care insurance program, WA Cares. This decision comes after the rejection of Measure 2124, a ballot initiative aimed at dismantling the program. WA Cares stands as the first of its kind in the United States, offering residents up to $36,500 in long-term care benefits, with adjustments for inflation. The program is funded through a payroll tax surcharge of 0.58 percent, impacting all workers in the state.…

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