OPINION Article: Why the Ghost Gun Debate Has Huge Implications for Insurance Costs

Logan B.
Ghost Gun at home

Ghost Guns, Big Lawsuits, and Insurance Drama What happens when New York sues firearm manufacturers, claiming their products are fueling violence? You’d expect a legal showdown between the state’s attorney general and the gun companies. But what if insurance companies are suddenly dragged into the mess? Yep, it gets complicated. And that’s exactly what’s happening in the ongoing lawsuit over ghost guns, with major players like AIG and an insurance trade group stepping into the ring. Where do insurance companies fit into this? Here’s the deal. New York filed this…

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Attention New Drivers in North Carolina! Here’s Why You Need to Hit the DMV ASAP

Angela Linders
North Carolina Driving Test

Got plans this summer? If you’re a new driver in North Carolina, it’s time to add one more thing to your to-do list: get your driver’s license. Why? Because starting July 1, 2025, a big change is coming to the way car insurance works in the state, and it could cost you and your family a lot of money if you don’t act now. Here’s the deal. Right now, if you’re a brand-new driver, you’re hit with what’s called an inexperienced driver surcharge on your car insurance. It’s a fee that insurance companies…

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Texas House Approves Sweeping Changes to Windstorm Insurance

Marc
Texas Insurance News

Texas House Passes Bill to Reshape Windstorm Insurance. What Does This Mean for Homeowners? Big news for Texans living along the coast. The Texas House has approved House Bill 3689, which aims to overhaul the way windstorm insurance works in the state. If you’re a homeowner depending on the Texas Windstorm Insurance Association (TWIA), you’re probably wondering, “What’s going to change?” and “Will this make my insurance cheaper?” Let’s break it down. Texas Windstorm Insurance Lower Costs, But How? Windstorm insurance has long been a financial headache for many coastal…

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What Is Reunderwriting and Why Is It Rising?

H. Cutner
Reunderwriting Insurance Policies

What Is Reunderwriting and Why Are We Hearing About It More? Ever feel like your insurance policy is getting more scrutiny than the essay you wrote in high school? You’re not alone. That’s reunderwriting at play. It’s not a new concept, but it’s definitely making its presence felt lately. Insurance companies are reexamining policies with a magnifying glass, and if you’re a homeowner, you may have already gotten the dreaded letter. But why is this happening? And what does it mean for you? Reunderwriting 101 Reunderwriting is when insurers reassess…

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Texas Lawmakers Push to End Widow’s Insurance Premium Increase

Logan B.
widow insurance bill in texas

Texas Auto Insurance – Senate Bill 1238 Aims to Protect Texas Widows From Steep Premiums Imagine this: You’ve just lost your spouse. You’re grieving, overwhelmed, trying to pick up the pieces. Then, like salt in the wound, you call your insurance company to update your policy… and bam! Your premiums go up. This scenario, known as the “widow’s penalty,” is what a new Texas bill, Senate Bill 1238, is designed to stop. For years, widows and widowers in Texas have reported surprise rate hikes on their auto and homeowners insurance…

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Motorcycles in Traffic: Saving Time But Not Sacrificing Safety

Marc
Motorcycles in Traffic

You’re stuck in bumper-to-bumper traffic, and suddenly, a gleaming motorcycle glides by, weaving smoothly through the maze of cars. Ever wonder how much time those riders are actually saving? Turns out, a lot. Studies like one from Belgium suggest that even a 10% shift from cars to motorcycles can reduce traffic congestion by a whopping 40%. Imagine slashing your hour-long morning commute to just 40 minutes! But before we get carried away with visions of breezing through traffic, there’s something riders and drivers alike need to remember: safety first. zipping…

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Oregon’s Wildfire Certification Needs More Spark to Catch Homeowners’ Attention

Live Insurance News
Oregon's Wildfire Certification

California’s Wildfire Discounts Set the Standard, But Oregon’s Plan Falls Short When it comes to tackling wildfire risks, California’s approach hits where it matters most—for homeowners, that’s their wallets. Under the state’s wildfire mitigation program, insurers like State Farm, Allstate, and USAA are required to offer discounts for homeowners who take steps to safeguard their properties. It’s a system that encourages proactive measures and provides tangible financial incentives. Oregon? Well, its plan had promise, but it stumbled by leaving out the one thing homeowners can’t ignore—a savings boost. What Does…

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