December 21, 2016

Before Congress passed the Affordable Care Act (ACA, also known as "PPACA") and President Obama signed it into law, Americans with pre-existing medical conditions were struggling mightily to find and pay for essential health insurance.  The ACA solved that problem for a large number of people but has encountered strong opposition and partisan politics that tried to defeat it at every turn. Six years of hard work have gone into implementing and defending the law.  Now the incoming administration is poised to dismantle it.  ...

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December 15, 2016

2016 was an outstanding year for the United Policyholders Amicus Project. Thanks to the generosity of our volunteers, UP was able to file briefs in four of the five most important insurance cases of 2016 (In re: Viking Pump and Warren Pumps Insurance Appeals, Cypress Point Condominium Association v. Adria Towers, Sebo v....

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November 30, 2016

In this section you will find tips, tools and resources for navigating your insurance claim settlement. In addition to what you'll find here, you can use the search box to find articles, surveys and reports, and you can watch videos of Roadmap to Recovery™ post-disaster workshops. 

SPECIAL ALERT:  The Tennessee Department of Commerce and...

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November 9, 2016

In the past, insurance companies used straightforward objective criteria and actuarial science to evaluate risks and calculate how much to charge a consumer for an insurance policy. Age, address, income, claim history and education were the main factors. Today, insurers are using subjective factors such as shopping and personal habits and credit scores. With the explosion in credit reporting and the widespread use of computers and the Internet, vendors that mine and sell data and modelers that spin data...

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November 8, 2016

Competition is a good way of keeping prices for many products and services affordable to consumers.  But when it comes to insurance products that consumers must buy - such as car and home insurance (for anyone with a mortgage), competition does not keep prices low for all consumers.  It generally only helps consumers that are attractive to insurance companies.  And while in the past, "attractive" meant a consumer with a relatively clean driving and/or claim record, the times they are a'changin.  

With the advent of data mining and...

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