Missouri Out, New York in: Ghost Gun Litigation Heats Up

Nordstrom
gun insurance

Ghost Guns, Lawsuits, and Now… New York? Here we go again. Ghost guns are back in the spotlight. And this time, the legal drama just got kicked up a notch. A federal judge in Missouri dismissed a key lawsuit—and all eyes are now on New York. What’s the deal? Why does it matter? And how might this shake things up for insurers, gun retailers, and… well, the rest of us? Take a deep breath. We’ll break it down. What Just Happened? KM Tactical LLC, a Missouri-based gun retailer, filed a…

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Senior Drivers Get a Break: Louisiana’s New Insurance Law Explained

Tate Ellison
Louisiana Senior Drivers

Louisiana Bans Age-Based Auto Premium Hikes Louisiana’s making waves in the insurance world. How? By putting its foot down on age-based premium increases for auto insurance. A new law, House Bill 258 (now Act No. 168), makes it crystal clear—insurers can’t penalize you just for hitting 65. It’s about fairness, plain and simple. This change has already taken effect, starting June 2025. And it’s got a lot of people asking questions. What does this mean for insurers? For drivers? For everyone in between? We’ve got the answers. What’s Really Happening?…

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From Catastrophes to Contracts: Citizens Insurance’s New Rules Explained

Logan B.
Citizens Insurance

Simplification or Cost-Cutting? The Real Reason Behind Citizens Insurance’s New Policy Citizens Property Insurance Corp. has made a big change. Public adjusters—professionals who help policyholders get fair insurance payouts—will no longer have their names included on settlement checks. Instead, checks will go directly to the policyholder. Citizens says this is about simplifying the process. But is it really? Or is there more to it? Why the Change? Public adjusters are hired to handle insurance claims. They negotiate with the insurance company and often secure higher payouts than policyholders could on…

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What the New Insurance Law Means for Massachusetts Drivers

Ester Adams
Updated Insurance Law

Massachusetts Drives Ahead with Updated Insurance Law Big changes are coming for Massachusetts drivers. Here’s what you need to know. Starting July 1, 2025, Massachusetts is increasing its minimum car insurance requirements. It’s a move meant to offer better protection—but it’s going to cost more. The new limits will jump to 25/50/30. That means $25,000 coverage for bodily injury per person, $50,000 for bodily injury per accident, and $30,000 for property damage. Compare that to the old limits—20/40/5—and you’ll see why this matters. The goal is simple. Better financial safety…

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Canceled PMI? Don’t Expect a Insurance Refund, Says Court

Logan B.
PMI Insurance Refund

Bye-Bye Prepaid PMI Refunds? Fourth Circuit Weighs In If you’ve refinanced your home recently to score a better interest rate—or just to ditch private mortgage insurance (PMI)—you might ask a big question. What happens to all that money you prepaid for PMI? Well, the Fourth Circuit Court of Appeals has an answer. Unfortunately, it’s not the one homeowners were hoping for. On June 16, 2025, a ruling made it clear. Homeowners who cancel PMI voluntarily—like when they refinance—can’t expect a refund for unused premiums. What Is PMI, Anyway? PMI is…

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Mandatory Inspections in Massachusetts Real Estate – A Win for Buyers or Inspectors?

Nordstrom
Massachusetts Real Estate

Massachusetts rolled out new real estate regulations, and things are changing—fast. If you’re looking to buy or sell a home here, you’ll want to pay attention. These rules aim to protect homebuyers. But not everyone’s thrilled. Critics say it’s taking away some serious negotiating freedom. What’s the Deal with These Regulations? The Massachusetts Affordable Homes Act now requires realtors to make sure buyers get the option for a home inspection. Sounds good, right? But here’s the catch—you can’t press buyers to waive that inspection. Sellers can’t, either. Waivers? Sure, they’re…

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The Verdict Is In: Georgia’s Economy vs. Massive Lawsuits

H. Cutner
Massive Lawsuits

Georgia’s Fight Against Nuclear Verdicts: What’s Happening and Why It Matters Ever heard of a “Nuclear Verdict“? If not, you’re about to. These massive jury awards are shaking up Georgia’s economy, driving up insurance costs, and making life harder for businesses and consumers alike. But here’s the kicker: Georgia’s leaders are doing something about it. Big changes are on the horizon, and they could affect you more than you think. Let’s dive in. What’s a Nuclear Verdict? Picture this: A jury awards someone millions—or even billions—of dollars in a lawsuit.…

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