December 18, 2014

This recent "Share Your Story" email to UP from a Wyoming consumer captures how the "use it and lose it" phenomenon is one of the most serious threats to the integrity of the insurance system today.  

"We had a fire two years ago. It started when an extension chord that had been plugged into to a socket overheated and a box had fallen on top of it. The box caught fire and caused substantial damage in the home. My wife and myself were found to be at no fault in the situation by the fire marshal and...

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December 8, 2014

Our ongoing work helping New Jersey homeowners get fair insurance settlements for Sandy damage includes:


  • Demanding that the National Flood Insurance Program, (run by FEMA)...
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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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