Insurance Law Articles

Most businesses need a plan for dealing with unexpected situations. Usually, that plan includes insurance policies. But law firms and lawyers face unique circumstances most other professions never face. So what sorts of insurance should law firms obtain to best manage their risks?

Insurance bad faith, also known as “insurance fraud" is the term used to describe the mistreatment of consumers and businesses by insurance carriers. It usually applies to situations in which an insurance company refuses to pay out a settlement pursuant to the terms of its insurance contract with the person or entity they claim to insure.

If a cause of damage is fraudulently misrepresented then any insurance coverage is rendered inapplicable, even if it would be issued in the face of correct representation.

Optional types of car insurance coverage that can be beneficial after a car accident include underinsured motorist coverage, medical payments, and gap insurance.

Did you know that floods are the number one most common natural disaster in the United States? Here are some tips to stay safe before, during and after flood storms.

Louisiana tops the nation for auto insurance rates for the second year in a row. According to an industry study produced by a website named Insure, an insurance industry website, Louisiana drivers pay an average of $2,699 annually for their car insurance. Michigan and Georgia are ranked at two and three and currently the nationwide average for insurance premiums is roughly $1,500 annually.

It’s time for everyone along the east coast to ready their Hurricane Preparedness Plan, and the law firm of Panter, Panter & Sampedro, P.A. have prepared some tips to help prevent unnecessary injuries and damage to property.

First party bad faith deals with claims made by policyholders and covers a wide range of transgressions. Here is an overview of the five most common.

In 2009 there were more than 89,000 people that were injured in car accidents in Illinois. In addition, 911 people were killed in fatal car accidents. After an Illinois car accident, it is important to consult an experienced personal injury attorney before negotiating with the insurance company for compensation.

Though an outwardly noticeable condition, Parkinson's Disease stems from brain's inability to send messages controlling muscle movements.

Generally speaking, you are not the owner of the group insurance policy that your company states you are covered under. Here is an overview on how to go about a group insurance policy claim.

You met with a motor accident, and your medical expanses were covered by insurance. Are you entitled to claim from the wrongdoer as well? The answer would appear to be a resounding yes, but it is not so simple...

In September 2012, the Government of the Democratic Republic of Congo (DRC) submitted to the Parliament a bill of law on the Insurance Code for discussion and adoption prior to its promulgation by the head of State and publication in the official gazette in accordance with articles 100, paragraph 2 and 130 to 137 of the DRC constitution.

A successful insurance claim means vital financial resources for a claimant, so what happens when insurance claims are denied?

According to the view of the Federal Supreme Court, the clients of one of the market-leading money and transportation companies are apparently not entitled to claim indemnity.

The system of civil and commercial liability in Dominican Republic is based on the French Civil Code of 1804. The litigious process is an adaptation of 19th Century French civil procedure legislation with a certain number of updates and modifications.

Learn about some common bad faith insurance claim practices. If you are dealing with a denied claim after unfair practice, get legal help from a Denver attorney.

This Article addresses life insurance claims in North Carolina, and some issues that frequently arise in these claims, including whether the death is accidental, and whether the insured made a misrepresentation in the policy application. Life insurance claims in North Carolina are governed by the policy itself, state statutes, and sometimes federal ERISA laws.

Depression, bipolar disorder and post-traumatic stress disorder (PTSD) are three similar mental illnesses with defining symptoms and characteristics. People afflicted by these mental health issues are often times unable to work, making it difficult to pay bills and other expenses. In this article, we detail the challenges people face while trying to obtain long term disability benefits.

On the 3rd of July, 2012, the European Commission adopted a proposal for the revision of the Insurance Mediation Directive (“IMD”) which is part of a wider legislative package focusing on consumer protection related issues.

The world of law, tax and real estate continue to become more and more complex. Costs can be a strong deterrent to a person seeking professional advice. Wischmeyer Professional Services Access Plan allows employers to provide valuable resources to their employees at minimal cost and can even benefit themselves. Access to free consultations with an attorney, accountant or real estate agent with discounts if services are needed for professional resources and services.

This is an article regarding an insurence law suit

The Obama administration has been asking individuals who have suffered improper medical care to report such instances of neglect. It is hoped that the information that will be reported will aid in an overall better health care environment for the nation.

The Arizona Court of Appeals recently upheld a trial court's reduction of a $55 million punitive damages award to only $620,000 and further reduced the punitive damages to $155,000-a 1:1 ratio to compensatory damages.

David Glatthorn discusses the repercussions of the new Personal Injury Protection (PIP) coverage laws and what they will mean for Florida drivers and the professionals who treat their injuries. A group of chiropractors, massage therapists and acupuncturists have filed a lawsuit against the state of Florida regarding the new Personal Injury Protection (PIP) insurance coverage laws that were passed by state lawmakers this spring.

Uninsured Motorist Benefits are coverage for bodily injury or damages after you were hit by another driver who either had no insurance or who left the scene and who remains unknown. Uninsured Motorist coverage is an important thing to have on your car insurance. It protects you and your family against other drivers at fault who either: (1) have no insurance or (2) flee the scene and remain unknown.

This is an article regarding insurance law. Many times, the court will be presented with a subrogation in which an insurance company that has given compensation to a policy holder for cargo damages takes his place and sues the related parties in the transportation network whom they hold responsible for the damage, for instance: the port, the marine carrier, the air forwarder, the warehouse, the international delivery company etc.

Importance of Having an Inventory List When Pursuing a Residential Theft Claim in Texas - When theft to your home occurs, you will need to file a Texas homeowners insurance claim for the items that were stolen and the damage that may have been done to your house. If you ever have to pursue a theft claim in Texas, you may have to show proof of ownership of the items that are damaged or missing.

When theft or vandalism to your home occurs, the aftermath of the situation can leave you stressed, as you may be trying to remember everything the thieves stole. Have you walked in your front door only to find that your home has been vandalized? This horrible situation may leave you feeling violated and scared for your safety. Not only are you left with the mess that this situation created, but you also have to deal with the insurance company, which can be an exhausting and frustrating process.

When the Ground Gives Way in Texas – 5 Critical Things Every Home Owner Should Know - Sinkholes come in many different sizes - some small and others that grow up to 40 to 60 feet deep and wide. When a sinkhole develops on your property in Texas, no matter the size, it can be dangerous. Not only can a sinkhole disrupt your life, but it could also damage your home and property and injure people you love.

A homes roof must be physically inspected by a person who has training and experience to determine if there is actual hail damage. Insurance companies send their adjusters to special training so they can properly identify hail damage to a home. And, the insurance company is generally NOT ON YOUR SIDE. You may be thinking to yourself that you remember a hail storm but looked up at your roof and did not notice any damage. The fact of the matter is you can’t see hail storm damage from the ground.

If you have come home from a long day at work to find your house destroyed by a mudslide, or if you wake up one morning to find that your porch and garage are not attached to your home anymore because of a mudslide, you may not know where to turn and what to do after suffering this serious damage to your house. You are most likely feeling shocked that this could have happened to you and overwhelmed about what to do next.

When high winds are coupled with larger hailstones, serious damage may occur to your home and property. Some damage is noticed right away, such as broken windows and indentations on your car, or dents to the side of your home; however, sometimes hailstones can damage things unseen. A roof is typically a good example of this.

The insurance company has to pay you the actual cash value of your car or truck if it was totaled in a car accident in Pennsylvania. Pennsylvania Insurance Law provides that you are to be reimbursed for property damage if your car was totaled. The law says the insurance company owes you for the "actual cash value" of the vehicle. This means that the actual market value of your car or truck is what they owe you.

Life insurance seems like it is handed out like flyers on the Las Vegas strip. It’s a dirty business with insurance companies collecting premiums and hoping you don’t die before the policy expires, or looking for a reason to delay or deny payment if you do die. The purpose of this article is to provide an overview of life insurance claims.

The Appraisal Clause is meant to be the method for determining disputed values. Appraisal cannot be used to determine what is covered. That is for a court of law to decide. If you have dispute with the company on whether or not something is covered, then you must file a lawsuit against your insurer to get that determination. Two of the most commonly misused and misunderstood terms in the insurance world are "appraisal" and "arbitration".

Tip 1 -- Don't assume NO is final - Did you know that less than 1% of claimants query the decision when a claim is denied? Yet, over 50% of those who do fight back get results. So, you've got a good chance of winning if you fight back. 10% of claims are unjustly denied, so if you are aware your claim is legitimate, and you've not indulged in any creative claiming, you have a good chance -- even if they've said no.

Filing a Texas Homeowners Insurance Claim During Tornado Season - When a tornado strikes, the first instinct you should have is to get yourself and your family to safety. But what about the aftermath of the storm, when you see the devastating damage to your home and reality sinks in? In Texas, tornados have been known to leave you with wind or hail damage, broken windows, roof damage, wall damage and more.

While shipowners have a duty to transport goods with due diligence in seaworthy vessels and to deliver goods to their rightful owners as set forth in bills of lading, the business of transporting goods by sea is fraught with hazards. If you have suffered a loss of cargo, it is important to consult with a lawyer with specialized knowledge in the shipping industry right away.

Insurance companies providing coverage often deny policy holders' valid insurance claims for damage, or pay as little as possible. Is your insurance company treating you fairly? Here are five things insurance companies don't want you to know. If your policy includes replacement cost, you are entitled to complete replacement of damaged property.

The Arizona Court of Appeals recently upheld as valid and enforceable a Damron Agreement in which an insured and its excess insurer assigned their rights against a primary insurer. In so holding, the Court of Appeals made the significant declaration that an insurer who refuses to defend is bound for purposes of coverage by any issues determined in a stipulated judgment that underlies a Damron Agreement.

Insurance law states that should there be an ambiguity or uncertainty in a policy, that issue would be resolved in favor of the policyholder and against the insurer. In the absence of a misrepresentation regarding coverage or exclusions, if the language of the policy is clear and explicit, the clear meaning will be enforced. Insurance contracts are interpreted by judges and courts to implement only the objectively reasonable expectations of the insured.

Every insurance contract contains an unwritten or implied term referred to as the covenant or promise of good faith and fair dealing. This is a promise imposed by law upon an insurance company to always act fairly towards its insureds in handling their claims. In bad faith cases, a jury is always asked whether under the facts the carrier acted reasonably.

In order to get the most from your insurance company, fire insurance claims need to be pursued aggressively and quickly, because owners of commercial buildings need to minimize the impact of day-to-day losses. It is important to note that insurance companies and adjustors are not your friends. This means that they will do everything to deny your commercial fire claim.

When a fire damages your condo unit and all the items inside of it, you might assume that everything will be replaced or covered by the condo insurance policy under a fire damage insurance claim. However, not all condominium insurance policies cover personal property. This does not sound fair, as you may not have been the one to even start the fire.

Under a normal homeowner’s insurance policy, losses caused by an earthquake are rarely covered. This is why earthquake insurance needs to be purchased separately so that in shaky times your property damages will be covered. Typical homeowner’s insurance policies pay for damages that result from theft, storms, lightning, fires and some other damages that are considered “Acts of God.” So, what happens if your home is damaged by an earthquake? Is it covered?

Two of the more powerful tornadoes touched down in Jefferson County, in the cities of Clay and Center Point. After a survey of the damage in Jefferson County, the National Weather Service reported that the damage in Clay, Alabama indicated that the tornado was an EF-3 with winds of 150 mph.

Many people get homeowner's insurance because it is required when purchasing a home. But how many actually look at what the insurance policy will cover and how much it will cover if the home is destroyed or damaged by a fire, hurricane, windstorm, hail, tornado, or other disaster? Most people believe that if anything happened to their house they would be covered because they have an insurance policy.

When bad things happen, it can often leave people without the ability to think rationally and calmly. For example, when a homeowner sustains property damage in a windstorm, tropical storm, hurricane, tornado, heavy rain, or from hail, there are certain things to do and not to do in order not to hurt their potential residential insurance claim.

After the Bastrop fire, Hurricane Irene and other tropical storms that have wreaked havoc on homes in the last couple months, many homeowners were left holding their insurance policies trying to figure out how much insurance they had and what was and wasn't covered by their homeowner's insurance policy.

Maybe a hurricane, tropical storm, or harsh rains and wind ripped across your property, destroying everything in sight. After you discover that your home and residential property are damaged, you have a responsibility to report it to your homeowner’s insurance company. However, this is not the only responsibility that you have following your Texas residential disaster.

When hot and humid weather brings abundant moisture and abnormal heat, it can set the stage for a damaging thunderstorm. When large thunderstorms hit Texas and sweep across the South, the wind gusts, torrential rainfall and large hail can be so strong that it can be dangerous and damaging.

While the summer is a great time to travel, it is also a perfect time to tackle the much-needed home repairs and projects around the house that you may have been putting off. However, it’s important not to put off home-related to-dos for too long, as some repairs can make your home safer and help you avoid a future Texas residential insurance claim.

Why you probably can't sue an insurance company for your accident. Many of my clients ask me why I don’t file suit against the at-fault driver’s insurance company. After all, it is the insurance company’s adjuster who I have been negotiating with for months before filing suit. The reason I don’t name the insurance company in the lawsuit is that generally, Georgia law says I can’t.

Insurance companies hire insurance claims adjusters to evaluate property damage claims to determine the liability of the insurance company. Although the insurance adjuster’s job is to be thorough – completing an investigation on the claim by reviewing reports, examining damage and talking to eye witnesses of the incident – many insurance adjusters just try to settle the claim quickly.

Is the State of Georgia overdue for a devastating hurricane? Many weather officials have stated that Georgia has not had a direct hit from a major hurricane for more than one hundred years, and only four minor storms have made landfall – with the last one over 33 years ago. Is the State of Georgia overdue for a devastating hurricane?

Although fire season is still in its early stages, many states have already been seriously affected by wildfires blazing out of control. Western states such as California, Arizona, Nevada, Montana, New Mexico and Colorado have been hit hard. The lack of rain, high winds and record temperatures have made it difficult for firefighters to contain these fires. Sadly, about 29 large fires have already consumed over 1.5 million acres of land across these states.

It may sound odd that a natural hole will appear all of a sudden and out of nowhere. The gradual formation is quite understandable and it gives you time to address the problem. However, when the hole is formed suddenly, then you might not have time to deal with it. It can even bring casualties. Fortunately, some insurance cover sinkholes to protect you from their unfortunate occurrence.

For homeowners who sustained serious storm damage, there is no question that they will file residential insurance claims to collect for damages they suffered. However, homeowners who suffered minor property damage often find themselves asking if they should file insurance claims. Tropical Storm Debby, the fourth tropical storm of this 2012 hurricane season, caused slight to moderate damage to some homes and businesses and serious damage to others.

Waking up to the sounds of trees snapping and loud bangs from trees falling over was a living nightmare for many residents across the Ohio Valley and mid-Atlantic region recently. Residents in 13 different states were affected by violent windstorms, as high winds caused downed trees and other serious damage to areas including:

The forecast is dry and the outlook is grim for farmers in the Midwest corn and soybean belt from Iowa to Ohio. In fact, over 1,000 counties in 26 states are affected by the record heat and drought conditions. The latest information from the National Climatic Data Center revealed that the current drought is threatening about 55 percent of the United States, which is the highest percentage in over 56 years.

When a tornado strikes, the first instinct you should have is to get yourself and your family to safety. But what about the aftermath of the storm, when you see the devastating damage to your home and reality sinks in? In Texas, tornados have been known to leave you with wind or hail damage, broken windows, roof damage, wall damage and more. In some severe cases, a tornado can even level a house, as tornados can produce wind speeds as high as 300 mph.

In Pennsylvania, you may be able to recover damages for injuries by a hit and run driver if you have Uninsured Motorist Coverage on your insurance policy. If you injured in a car accident due to a hit and run driver, you should first contact the Police and make a Report. It may be that you can identify the vehicle or the license plate number. If that driver is later found, you would have a right to make a claim for bodily injuries and damages if the driver has insurance coverage.

Unemployment insurance fraud is the receipt of unemployment benefits to which one is not entitled, or assisting one in such receipt. It is a particularly prevalent crime in today’s tough economy with numerous underemployed workers. Workers who may have been unemployed for some period of time, only find work at lower pay than expected, continue to receive unemployment benefits when they are simultaneously receiving pay.

Imagine driving around the corner to find your business in a blaze. Just seeing your commercial building engulfed in flames can leave you wondering what you should do next. You may find yourself asking the questions: How did this happen? Where do I start? Do I have enough insurance? How will I make a living while my business is temporarily relocated or shut down?

The recent Bastrop wildfire has left thousands of Texans with damaged homes and businesses, which means that insurance companies are having to deal with countless insurance property claims regarding the Bastrop fire in the coming months. If your home was one of the 1,386 homes destroyed in the wildfire, don't take any chances.

Many people get homeowner's insurance because it is required when purchasing a home. But how many actually look at what the insurance policy will cover and how much it will cover if the home is destroyed or damaged by a fire, hurricane, windstorm, hail, tornado, or other disaster?

When bad things happen, it can often leave people without the ability to think rationally and calmly. For example, when a homeowner sustains property damage in a windstorm, tropical storm, hurricane, tornado, heavy rain, or from hail, there are certain things to do and not to do in order not to hurt their potential residential insurance claim.

There are some personal injury claims that will not be resolved through a settlement. These include cases in which the insurance company disputes that their client was responsible for an accident, or when very serious injuries have taken place, such as traumatic brain injuries, spinal cord injuries, severe burns or others, and the insurance company is not willing to pay out a settlement that reflects all of the damages that the victim has suffered.

After the Bastrop fire, Hurricane Irene and other tropical storms that have wreaked havoc on homes in the last couple months, many homeowners were left holding their insurance policies trying to figure out how much insurance they had and what was and wasn't covered by their homeowner's insurance policy.

Fires and wildfires have caused tremendous property damage for Texas residents this past year. Although most fires are caused by humans and started in kitchens, there are those that occur due to low levels of precipitation, drought conditions, and high temperatures. When those conditions are combined with dry, windy days, vegetation can easily ignite and cause a wildfire to spread rapidly.

For homes in Corpus Christi and along the coast, windstorm certifications are necessary to ensure that the home can withstand a serious windstorm. Prior to purchasing a home, buyers need to confirm that a coastal home has undergone a windstorm inspection to make sure they can stand up to what Mother Nature may throw their way.

Under the New York State Workers' Compensation Law, settlements under Section 32 are voluntary. The insurance carrier is not obligated or required to offer settlement. Nonetheless, in the vast majority of cases insurance carriers will be interested in trying to settle a claim.

Why is earthquake insurance needed? Under a normal homeowner’s insurance policy, losses caused by an earthquake are rarely covered. This is why earthquake insurance needs to be purchased separately so that in shaky times your property damages will be covered.

After living through a tornado, you may just be thankful to be alive and to hug your loved ones. However, the reality of filing an Alabama tornado claim will soon kick in. As a tornado survivor, you will have many things to do following a serious storm, such as cleanup, collecting personal belongings, securing your damaged home, and filing a residential insurance claim.

When previously buried trees and foundations are being exposed due to sinking ground, you probably have sinkhole damage at your home. Because a sinkhole is a serious matter, you need to act quickly to avoid more damage to your home and property.

A tornado is a violently rotating column of air extending from the base of a thunderstorm down to the ground. Tornado intensities are classified on the Fujita Scale with ratings between F0 (weakest) to F5 (strongest). They are capable of completely destroying well-made structures, uprooting trees and hurling objects through the air like deadly missiles.

After a disaster such as a tornado, wildfire, or hurricane caused damage to your home, you may have taken a lot of time to take photographs of your damaged or destroyed home and property as well as made lists or gathered receipts for your missing or damaged personal belongings. The process for submitting your insurance claim seemed frustrating and overwhelming, but you managed to give the insurance company everything they asked for.

Sometimes the past can be used as an example of what could take place in the future. For instance, Hurricane Ike in 2008 caused billions of dollars in losses for many Texas residents. The wind damage, water damage, roof damage and overall hurricane damage left many homeowners in need and waiting for their insurance companies to come through for them so that they could rebuild, repair and move on.

After the recent tornadoes that hit Kennedale, Texas and tore through Arlington and the Dallas-Fort Worth area on Tuesday, April 3, 2012, residents are left to wonder if their tornado damage is covered by their insurance policies and what exactly is an act of God insurance claim.

The United States, specifically in the “Tornado Alley” area that runs from Texas through much of the Midwest, sees more tornadoes than any other country – with approximately one thousand tornadoes touching town each year. If you have been watching the news, you have most likely heard about the devastation that the Midwest suffered due to tornadoes that ripped through states like Texas, Iowa, Illinois, Kansas, Nebraska, Oklahoma and others.

Although many homeowners believe their insurance companies are there for them and agents even show remorse for their situation, homeowners need to remember that they represent dollar signs to the insurance company. Parts of North Texas sustained major damage and devastation caused by the tornadoes and serious storms that moved through the area during the first week of April. The tornado and hail damage has caused thousands of Texas homeowner claims to be filed with insurance companies.

Commercial vehicles have the potential to do extraordinary damage. Without the proper insurance coverage, the victims may suffer. Did you know that a typical semi-truck or big rig can weigh up to 80,000 pounds? Now picture that vehicle getting into an accident with a regular passenger vehicle. Who do you think is likely to suffer the most?

The Texas wildfire was destructive to say the least, as it burned approximately 34,000 acres, lasting over 2,000 hours in Northeast Bastrop, Texas (about 30 miles east of Austin). During this time, over 1,700 homes and businesses were destroyed by the fire.

The goal of any personal injury lawyer is to ensure that his or her client receives the best possible financial settlement. The reason why many individuals who have been injured through no fault of their own turn to legal assistance is because it can be confusing to battle insurance companies on their own.

The majority of tornadoes are considered weak tornadoes. Although experts in the field refer to tornadoes designated EF1 or EF0 as weak, they can still cause property damage in Texas. These types of tornadoes generally stay on the ground for about a mile after touching down. In this time, they can cause damage to homes, cars, businesses and more.

No matter how the insurance companies spin it, not every homeowner or business owner received assistance or was offered a fair claim payout for their Joplin tornado damage.

When businesses incur fire damage or a major loss, it is very difficult for a business to recover, even when the people running the company are experts in their field and know how to run and manage their business. Dry conditions, high winds and lightning strikes are the cause of many wildfires. Although many wildfires happen in remote areas, no home or business is immune to fire threats and property damage.

Did you know that less than 1% of claimants query the decision when a claim is denied? Yet, over 50% of those who do fight back get results. Tip 1 -- Don't Assume NO is Final - Did you know that less than 1% of claimants query the decision when a claim is denied? Yet, over 50% of those who do fight back get results. So, you've got a good chance of winning if you fight back.

Although hurricane season is upon us and can be extremely destructive to homes and properties, hailstorms can be equally as costly, as hail has caused hundreds of millions of dollars in damage. When hot and humid weather brings abundant moisture and abnormal heat, it can set the stage for a damaging thunderstorm.

Although you may have done everything you can to help make your home a safer place, you may still be a victim of a natural disaster and need to file a Texas homeowners insurance claim. While the summer is a great time to travel, it is also a perfect time to tackle the much-needed home repairs and projects around the house that you may have been putting off.

The State Administration of Taxation has issued the Notice regarding the Policy of the Individual Income Tax on the Work-related Injury Insurance Treatment (the “Notice”) on May 3rd, 2012, which has retroactively become effective as of January 1st, 2011. May 13rd, 2012.

The Law, long-awaited by the national port industry, establishes the basis of governmental regulation and defines new procedures for building, expanding and closing seaports in Ukraine, as well as the procedure for performing any economic activity on the sea ports’ territory.

This paper provides a brief introduction to the legal issues regarding possible legal claims against international organizations for death or injury to their overseas staff. Despite the complexity of the underlying law due to the large number of possible legal claims, defenses and jurisdictions, there are several basic steps that NGOs can take to better protect themselves.

Shipping is a global business which involves many parties in day to day running of the business. It involves ship owners, ship management companies, agents and crew. Every ship that sails around the world has an Owner and in most cases ship management is entrusted to another company.

If you live in Michigan, you probably know the premise behind no-fault auto insurance law, but you may not know that your ability to bring a third party lawsuit against the negligent driver is severely limited. In return for the limited ability to bring a third party suit, it should be easier to collect expenses such as medical bills, but the Michigan auto insurers are now trying to deny drivers even these benefits if they are at fault even though Michigan has a no fault system in place!

If you've been injured, you can send a demand letter to the at-fault driver's insurance company to begin the negotiation process for compensation. This is a basic guide for what to include in the demand letter, although with cases where liability is an issue or there are major injuries, contacting a personal injury attorney to create a demand for you may be more successful.

On Jan. 1, 2010, a single social tax was replaced with insurance premiums paid into the Pension Fund of Russia, the Social Insurance Fund of Russia and Funds for Mandatory Medical Insurance. At its very core, the new premiums do not differ much from the previous system of taxation and represents a tax on wages that the employer pays so the state can provide for the material interests of employees upon retirement, disability, pregnancy, parenthood, as well as the need for medical care.

San Antonio is the third city in Texas to enlist the help of a prosecutor and an investigator who are dedicated exclusively to cases of insurance fraud. Officials estimate that insurance fraud is estimated to cost the citizens of Texas around $300 more every year on premiums, and many people are left without insurance as a result.

When you are planning your estate it is important to address all of the matters that are relevant to people who are entering their twilight years. While it is true that the financial aspects of estate planning are important, the health care component is key as well, and since people here in American are living longer than ever it is logical to be prepared to live into our late eighties and beyond.