The Legislative Mandatum of Vehicular Indemnity: An Exegetical Analysis of Minimum Insurance Coverage Stipulations in the Sovereign Jurisdiction of Texas The lawful operation of an automotive conveyance within the jurisdictional ambit of the State of Texas is inextricably predicated upon the satisfactory fulfilment of a singular, non-negotiable financial responsibility mandate. This requirement, far from being … Read more
ABSOLUTELY NOT. YOU SHOULD NEVER UNDER ANY CIRCUMSTANCES TALK DIRECTLY TO THE INSURANCE COMPANY REPRESENTING THE AT-FAULT DRIVER. This is the definitive, non-negotiable principle of post-accident claims management. The adjuster who calls you is NOT your friend. They are NOT a neutral party. They are a highly trained, specialized employee of a hostile corporate entity … Read more
Seriously, let’s just get the brutal, unvarnished truth out of the way first, before we dive into the murky, expensive weeds of Colorado insurance bureaucracy. If you (or someone you know) got slapped with a DUI conviction in Colorado, you are no longer just looking at a higher car insurance premium. You are now a … Read more
You need to know if your health insurance, the thing you pay for every month, is going to cover your Testosterone Replacement Therapy (TRT). It’s not a simple YES or NO. It is a “YES, BUT ONLY IF YOU JUMP THROUGH THESE FIVE HUNDRED HOOPS, AND ALSO, WE PREFER THE CHEAP STUFF” scenario. Listen carefully. … Read more
The process of initiating a formal claim with one’s automobile insurance carrier is often triggered by the immediate, reflexive mandate to comply with the policy’s requirement for prompt notice of loss. However, in the days or weeks following this initial notification, circumstances frequently evolve: the preliminary damage estimate may be disappointingly low, the repair cost … Read more
The query regarding the temporal window for accident reporting—”How long do I have to report an accident to my insurance?”—is fundamentally flawed in its presumption of a single, readily available numerical answer. This timeline is not established by a universally standardized calendar day count; rather, it is a complex, jurisprudential matter governed by a strict … Read more
The answer to this question, in its most basic, stripped-down legal form, is an immediate and firm No. The State of Texas, unlike many other jurisdictions concerning motor vehicles, does not mandate that a recreational boat owner carry any minimum level of insurance, whether for property damage, bodily injury liability, or comprehensive coverage. This is … Read more
This question right here is a perfect storm of confusion because it pits two completely different insurance worlds against each other: the Commercial Policy (the work vehicle) versus the Personal Policy (your everyday insurance). Most people, and I mean most of the drivers out there, assume that because they were “on the clock” and driving … Read more
Honestly, this is one of the biggest anxiety points for anyone who hasn’t paid off their car yet. I mean, you’re sitting there, making payments, and in the back of your mind, you’re thinking, “What if I total this thing? Am I still going to be paying for a car that’s sitting in a scrap … Read more
This is a question that, quite frankly, confuses almost everyone, and I understand why. We’re trained to think that car insurance and car registration are like a husband and wife—you can’t have one without the other, right? But that’s simply not true. That’s the core misunderstanding we have to tackle here. The short, authoritative answer … Read more