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 6, 2014

The case against purchasing only your state’s mandatory minimum liability insurance limits:

Starting in the 1920s, all but one state in the United States (New Hampshire) have passed laws requiring that vehicle owners maintain automobile liability insurance to cover their liabilities for personal injuries or property damage. A core component of those laws were the mandatory minimum liability limits.  

For example, when California's compulsory insurance law was adopted in 1974, it required that vehicle owners purchase coverage with liability limits of no...

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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 FEMA declaration for Individual and Household Assistance has finally been approved for Napa and Solano County earthquake survivors.  If you were affected by the earthquake and need assistance you will have 60 days from the October 27th declaration to apply with FEMA.  UP participated in a meeting of the Napa Earthquake Long Term Recovery Group today and found out over $50,000 had already been distributed in first 48 hours.  The Local Assitance Center will be reopening in Napa to help people register, answer questions and provide referrals to charitable organizations.

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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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