Live Insurance News

State Farm’s Big Win: How a Florida Ruling Could Reshape Auto Insurance

July 6, 2025July 7, 2025 John Bowers

Why This Florida Ruling Matters for Insurers State Farm just scored a major victory in Florida. A court ruled that insurers don’t have to pay Medicare’s capped rates for medical bills if the provider charges less. Sounds like a small technicality, right? It’s not. This decision could save insurers millions and shake up how personal injury protection (PIP) claims are handled. But what does this mean for you? Let’s break it down. First, What’s PIP? PIP stands for Personal Injury Protection. It’s a type of car insurance that covers medical expenses,…

The 15% Penalty That’s Changing Auto Insurance Disputes in Connecticut

July 6, 2025July 6, 2025 G. Turner

Connecticut’s Auto Insurance Shake-Up: Faster Payments, Higher Stakes Connecticut just flipped the script on auto insurance disputes. Claimants? They’ve got reason to celebrate. Insurers? Not so much. A new law, known as House Bill 6435—or Act 25-131—shifts the playing field, and changes are already in motion. The goal? Faster payments for claimants and a system that doesn’t drag disputes through endless, costly delays. But what exactly does this mean, and why should anyone care? Claimants Get Paid. Fast. Ever felt stuck in limbo waiting for an insurance payout? This overhaul…

Louisiana Distracted Driving Law Update: What’s Changing on August 1st?

July 5, 2025July 5, 2025 Marc

Louisiana drivers, take note. The rules of the road are about to change. Starting August 1, 2025, the state is stepping up its fight against distracted driving with stricter enforcement of a new law that bans most handheld phone use while driving. But what exactly does this mean for you? Here’s the scoop on what’s happening and why it matters. What’s the Situation Right Now? Currently, handheld phone use while driving isn’t a free-for-all in Louisiana. Nope. There are already plenty of rules: Texting or emailing while driving? Illegal statewide.…

Inspection Repeal: A Win for New Hampshire Drivers, a Loss for Mechanics?

July 5, 2025July 3, 2025 Angela Linders

New Hampshire Mechanics Brace for Impact as Vehicle Inspections End Big changes are coming to New Hampshire’s roads—and its auto shops. Starting January 31, 2026, the state will no longer require annual vehicle inspections. For drivers, it’s a win. For mechanics? Not so much. What’s Changing? For decades, New Hampshire drivers have been required to get their cars inspected annually. Mechanics checked everything—brakes, tires, lights, emissions. It cost around $50 per car, and for many shops, it was a steady source of income. But now, that’s all going away. The…

Car Insurance in New Mexico Just Got a Major Update

July 3, 2025July 3, 2025 Live Insurance News

Big Changes for Car Insurance in New Mexico: What You Need to Know The New Mexico Supreme Court has made a significant decision that could reshape how you purchase car insurance. This ruling focuses on uninsured motorist (UM) and underinsured motorist (UIM) coverage. If you’ve ever been in an accident with someone who didn’t have enough insurance to cover the damage, you understand how crucial this coverage can be. What’s New? Insurance companies in New Mexico are now required to offer UM/UIM coverage for each vehicle separately. This means you…

State Farm vs. Erie: Who Pays When Coverage Overlaps?

July 2, 2025July 2, 2025 Marc

Understanding Underinsured Motorist Coverage: Lessons from the Erie vs. State Farm Case Insurance. It’s supposed to protect you when life throws a curveball. But what happens when two insurance companies can’t agree on who pays? That’s exactly what went down in the recent Erie vs. State Farm case. And if you’ve ever wondered how underinsured motorist coverage works—or doesn’t—this case is a crash course. Let’s break it down. The Accident That Started It All Picture this: Lawrence Ricketts, a mechanic in Kokomo, Indiana, is test-driving a customer’s Dodge Ram after…

Louisiana Rolls Out Sweeping Insurance Reforms

July 1, 2025July 1, 2025 Angela Linders

BATON ROUGE, La.—A new set of insurance reforms, signed into law by Governor Jeff Landry, officially took effect on July 1, 2025. The changes aim to tackle Louisiana’s spiraling property and auto insurance premiums, a crisis that has plagued residents for years. But will these laws really deliver relief? That’s the $64,000 question. “We have utilized the data to put forward laws that should actually drive down the rates,” Landry said at Monday’s bill-signing. “We’ll see.” Key Changes You Should Know The new laws are sweeping. They touch on property…