When To Drop Collision & Comprehensive Insurance
When To Drop Collision & Comprehensive Insurance

If you own a car, you don’t have a choice about buying certain auto insurance coverage types. Depending on your state, you’ll be buying some combination of liability auto insurance, uninsured motorist coverage and/or PIP insurance. Collision insurance pays for damage to your car after…
How to Bundle Renters and Auto Insurance
How to Bundle Renters and Auto Insurance

Bundling is a common way to save money on most types of insurance policies, including renters insurance. When it comes time to renew your renters insurance policy or shop for a new one, it’s worth finding out if you can save money by bundling your…
Bach Talk – It’s time to restore insurance safety nets
Bach Talk – It’s time to restore insurance safety nets

Insurance benefits should be the primary source of funds for people and businesses to make repairs after adversity strikes. Unlike government aid that’s contingent on submitting an application, meeting eligibility criteria, waiting/processing time and taxpayer dollars, insurance funds are paid-for benefits that can be collected…
Insurance Industry Pushes “Wildfire” Legislation to Increase Homeowners Insurance Rates
Insurance Industry Pushes “Wildfire” Legislation to Increase Homeowners Insurance Rates

While the rest of the state is sheltering at home, lobbyists for the insurance industry are busy promoting legislation, scheduled for a hearing tomorrow, that would allow them to boost insurance rates on homeowners and renters. The bill would derail voter-approved protections against insurance price-gouging…
Insurers challenged for denying business-interruption coverage during coronavirus economic lockdown
Insurers challenged for denying business-interruption coverage during coronavirus economic lockdown

In a shot over the bow and precursor of a long, upcoming legal battle, the California insurance commissioner on April 14 issued an order requiring carriers to investigate claims filed by businesses seeking relief for losses incurred from government shutdowns as the result of the…
Spread the word about our COVID-19 Loss Recovery Library
Spread the word about our COVID-19 Loss Recovery Library

Our COVID-19 Loss Recovery library is designed to help small businesses collect all available insurance benefits to offset their losses and get back on their feet. Just as we help individuals after disasters, we are helping the businesses that are a vital part of our…
INTERVIEW: Amy Bach On Insurance Rebates
INTERVIEW: Amy Bach On Insurance Rebates

Daniel Trucios talks to Amy Bach, Executive Director of United Policyholders, about insurance rebates, effectiveness, future charges, good publicity and business interruption insurance.
NJ residents face insurance challenges beyond grace periods during pandemic
NJ residents face insurance challenges beyond grace periods during pandemic

Among the many impacts of the coronavirus are those on insurance. Gov. Phil Murphy last week mandated a 90-day grace period for auto, homeowner’s and renter’s insurance payments and a 60-day grace period for health insurance payments. Murphy’s reprieve, however, doesn’t aid the uninsured and…
CA high court upholds right to paid-for business insurance protection
CA high court upholds right to paid-for business insurance protection

In a time when U.S. businesses are turning to courts across the U.S. to enforce their rights to insurance protection for COVID-19 losses, the CA Supreme Court delivered them a win this week in a long-simmering, high stakes battle over coverage in a different context…
Why isn’t car insurance cheaper as we all stay home?
Why isn’t car insurance cheaper as we all stay home?

Chris Norlin, like so many others, is hardly ever behind the wheel these days as he follows guidelines to stay at home and play hide-and-seek with the coronavirus. Which naturally leads him to wonder: Why is he still paying so much for car insurance? His…
Tennessee Tornado Insurance Claim and Recovery Help
Tennessee Tornado Insurance Claim and Recovery Help

If your home or business was damaged or destroyed in the recent Nashville area tornadoes, we are here to give you reliable guidance during the recovery process.  UP recommends focusing on photographing and documenting damaged and destroyed property, getting a complete current copy of your…
Sonoma County businesses with pandemic-related losses hit wall with commercial insurers
Sonoma County businesses with pandemic-related losses hit wall with commercial insurers

In the aftermath of the power shut-offs during the October 2019 wildfire, Berlin Fisher realized he needed to get business interruption insurance coverage for his West County Style Bar in Guerneville because another disaster could put his hair salon on precarious financial footing. Fisher had…
SIPping lemonade -TCB*
SIPping lemonade -TCB*

We all know the bad news. The good news is you may have time to take care of tasks that have long been pushed to the bottom of your “to do” list. Getting your insurance records in order and inventorying your property are two of…
Business interruption insurance falls short in a pandemic
Business interruption insurance falls short in a pandemic

When Salvatore Ferro saw his Commack-based home remodeling business plummet by more than half due to the coronavirus pandemic, he contacted his insurance broker to find out how to make a claim on his business interruption insurance. He was shocked to learn the policy –…
Can businesses rely on insurance to overcome COVID-19 losses?
Can businesses rely on insurance to overcome COVID-19 losses?

The short answer is, for many it will be a fight. Bottom line:  Don’t take no for an answer until you’ve exhausted all arguments and avenues for help.  And there are many of them. United Policyholders is hard at work curating solid guidance to arm businesses…
California lawmakers propose wildfire insurance bill to protect homeowners
California lawmakers propose wildfire insurance bill to protect homeowners

EL DORADO COUNTY, Calif. — A bill introduced into the California Legislature on Tuesday would add protections to some homeowners at risk of nonrenewals. The “Renew California Bill” would require insurance companies to write or renew policies for existing homes in communities that meet state…
Working to keep the HOME in home insurance
Working to keep the HOME in home insurance

Consumers buy home insurance where legally required AND for the peace of mind of knowing that if adversity strikes, the policy will generate money to deal with whatever that adversity is.  They don’t sit around thinking up doomsday scenarios of every possible event that could damage or…
Oh baby…insurance and maternity care
Oh baby…insurance and maternity care

What to expect (from your insurance company) when you’re expecting When you bring your new baby home, the last thing you should have to worry about is the hospital bill. So before your due date, find out your health plan’s rules on delivery care costs.…