What’s Next for State Farm? The Case That’s Capturing National Attention

John Bowers
The State Farm Case

The Growing Trend of Class Action Lawsuits Class action lawsuits are on the rise. Why? Because they give everyday people a chance to stand up to big corporations. When one person’s claim might not seem worth the fight, a class action brings together thousands—or in this case, nearly 200,000 homeowners. It’s power in numbers. This isn’t just about State Farm. It’s about a growing movement in consumer protection. People are tired of feeling like the little guy. They’re demanding fairness, transparency, and accountability. And courts are listening. But what’s the…

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How Allstate is Navigating a Year of Extreme Weather

Angela Linders
Allstate Insurance Stocks

Allstate’s Catastrophe Losses Highlight Industry Struggles – May’s Stormy Toll Allstate Corp. recently reported $777 million in pretax catastrophe losses for May 2025. What caused the damage? Three massive wind and hail events, accounting for a staggering 70% of the month’s total losses. That’s just three storms out of 11 disastrous events. Combine April and May, and the losses balloon to $1.37 billion. For context, the January–February period wasn’t much easier. Allstate recorded $1.17 billion in pretax catastrophe losses, driven by wildfires in Southern California. Strong winds. Dry landscapes. It’s a…

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Technology for Agricultural Insurance: Smarter Risk Management with Satellite Monitoring

Guest Author
Agricultural Insurance

Agricultural insurance has shifted from paper forms to pixel-level intelligence. According to Research and Markets, global premiums were valued at US $42.3 billion in 2024 and are forecast to reach about US $60 billion by 2030, growing 6% annually. The surge is driven by rising climate volatility, government subsidies, and better risk-scoring tools that widen access even for one-hectare farms.  Parametric covers are expanding fast. They pay automatically when a pre-set rainfall, wind-speed, or vegetation threshold is crossed, reducing disputes and cutting settlement times to under a week. Modern platforms…

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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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