Category: News for Consumers

Our goal is to educate by posting only researched subjects for consumers and placing in a way that is easy to understand. From tips on saving money to coverages and what they mean.

Colorado’s Crash Prevention Plan: Safer Roads, Better Insurance Rates?

Tate Ellison
colorado car insurance news

Safer Roads Ahead? Colorado’s Push for Cutting Collisions and Costs A bold initiative is underway in Colorado to address the rising costs of auto insurance through a unique combination of infrastructure improvements, safety measures, and dedicated funding. The Colorado House of Representatives has proposed House Bill 1303, commonly known as the Crash Prevention Enterprise, which aims to reduce collisions, enhance road safety, and potentially lower auto insurance premiums. At the center of the bill is a modest $3 fee for every insured vehicle in the state, generating necessary funding for…

Read More

New York’s New Pet Liability Ruling: What Every Pet Owner Needs to Know

Nordstrom
New York’s New Pet Liability Ruling

Owning a pet just got a little more serious in New York, thanks to a groundbreaking decision by the state’s highest court. If you’re a pet owner, you might want to pay attention, because the rules about who’s responsible when something goes wrong have changed in a big way. The New York Court of Appeals recently decided that pet owners can now be held liable for injuries caused by their animals—not just under the long-standing “strict liability” rules, but also for negligence. What does that mean for you? It means…

Read More

House Bill 116 and the Fight to Insure Alaska’s Commercial Fishing Industry

Logan B.
Alaska’s Commercial Fishing Industry

Alaska’s Fishing Industry Faces Commercial Insurance Crisis For Alaska’s commercial fishermen, the rising cost and dwindling availability of insurance have created choppy waters in an already challenging industry. Insurance premiums for fishing vessels have surged, and older boats are finding it nearly impossible to gain coverage. Some fishermen are even contemplating leaving the industry, unable to bear the financial risk. The numbers tell a sobering story. Alaska’s seafood industry suffered a $1.8 billion economic hit between 2022 and 2023, and higher insurance costs aren’t helping matters. Many older vessels, though…

Read More

Rewriting Arkansas Rules for Liability in Off-Road Motorcycles Under Act 312

Marc
Rewriting Arkansas Rules for Liability in Off-Road Motorcycles

Arkansas Act 312 Paves the Way for Safer, Sustainable Off-Road Recreation Arkansas has made a bold leap into the world of off-road recreation liability with the passage of Act 312, signed into law by Governor Sarah Huckabee Sanders on March 18. This new legislation, which introduces the concept of “inherent risk” for off-road motorcyclists, is aimed at striking a delicate balance between participant responsibility and landowner liability. The law not only protects event organizers and private landowners but also lays down a framework that could help the off-road industry flourish.…

Read More

The Hidden Link Between Fireproof Homes and Affordable Insurance in Idaho

Live Insurance News
Fireproof Homes and Affordable Insurance in Idaho

Idaho’s ‘Home Hardening’ Initiative Tackles Wildfire Risk and Insurance Challenges Idaho homeowners are feeling the heat, and not just from soaring summer temperatures. With an increasing number of wildfires blazing across the region, insurers are pulling out. By 2025, nearly 25 of the 91 insurance carriers operating in the state had left, citing wildfire risks as the main culprit. And for those that remain, stricter underwriting practices mean higher premiums or outright refusals to renew coverage. Dean Cameron, director of the Idaho Department of Insurance (DOI), puts it bluntly, “Insurance…

Read More

Insurance News – Stormy Debate Surrounds Louisiana’s State Reinsurance Proposal

Tate Ellison
Louisiana's Proposed State Reinsurance Program

Industry Pushes Back Against Louisiana’s Proposed State Reinsurance Program A new Louisiana bill aiming to establish a state-backed catastrophe reinsurance program is sparking heated debate between lawmakers and industry leaders. Proponents believe the fund, supported by state-issued bonds, could stabilize the state’s fragile insurance market amidst escalating climate risks. Critics, however, argue it might backfire, shifting costs rather than solving the deeper issues. The proposed program would serve as a financial safety net for insurers, designed to absorb some of the catastrophic losses from hurricanes and other disasters. Advocates point…

Read More

Washington’s New Insurance Law Tackles Lowball Payouts for Totaled Vehicles

Ben Jones
Washington’s New Insurance Law

If you’ve ever been frustrated by an insurance company undervaluing the damage to your car after an accident, Washington State has just passed a law to address that exact headache. Starting January 1, 2026, a brand-new regulation will hold insurers accountable for ensuring fair payouts and repair estimates for totaled vehicles. The new measure, encapsulated in Engrossed Senate Bill 5721, aims to streamline the claims process while protecting consumers from being undercompensated. Here’s what you need to know about how this law shakes up the world of auto insurance and…

Read More