November 23, 2014

Thanks to a consumer participation program offered by the National Association of Insurance Commissioners, I get up close and personal with the nation's top insurance regulators three times a year.  I'm in my seventh year as an official representative of consumers at the NAIC, and am a member of the Consumer Participation Board of Trustees.  Much of United Policyholders' Advocacy and Action work gets done at and through NAIC meetings.

Each state...

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November 14, 2014

Residents of cities throughout the US now have the option to "Uber" or "Lyft" their way to a destination instead of taking a traditional taxicab.  These innovative, tech-sector start-up businesses are labeled "Transportation Network Companies", ("TNCs").  Initially, TNCs avoided having to comply with many of the laws, regulations and fees that taxi drivers and owners are subject to.  The taxicab sector has been none too pleased.  And top among the laws and regulations TNC initially avoided having to deal with were insurance requirements.  In most areas of the...

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November 12, 2014

United States Magistrate Judge Gary R. Brown issued a very important decision in a Superstorm Sandy case in November, 2014 that addresses a chronic problem for the policyholders UP serves:  A practice by some insurers of rejecting damage claims based on engineering reports that have been altered or intentionally slanted to provide an excuse for the rejection.  In our publications and during our Roadmap to Recovery workshops and communications with policyholders, UP stresses ...

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November 4, 2014

United Policyholders is a 501(c)(3) public benefit corporation, which means we can't endorse or oppose candidates for public office.  But without a doubt - the outcomes of elections impact our work in many ways:  Partisan elected officials choose the judges that preside over insurance matters. The decisions that judges make have a huge impact on insurance company decision-making, and in turn the people we serve. In the vast majority of states, the Governor appoints the head of the state agency that regulates insurance.  If an elected State Governor doesn't believe in...

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October 30, 2014

A backbone of our Roadmap to Recovery program are the volunteers and staff members who got involved with UP to make constructive use of the knowledge they themselves gained while navigating the recovery process after a catastrophic loss.  Our Survivor's Speak publication series, workshop speakers and Disaster Survivor Support Network volunteers offer wisdom and a brand of...

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