Insurance Plan Selection Blog

Mortgage lender Halifax has published its House Price Index for 2011. The main points are that in the final quarter of 2011 prices were 0.1% below the figure for the previous quarter. Between November and December prices dropped by 0.9%

For the year as a whole house prices dropped by 1.3% which means that the average house was worth £160,063 at the end of 2011.

Halifax believe that if the UK can avoid recession house prices should be reasonably stable in 2012. However they point out that there is uncertainty regarding the prospects for the UK economy. Their housing economist Martin Ellis added “The extent to which households chose to reduce their debts will also affect growth. As

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Distracted driving is something that is plaguing the United States. It seems as though technology, particularly the cell phone has made it harder for drivers to focus on the road in front of them.

According to statistics, one in 11 automobile accident deaths is due to a driver being distracted by a cell phone. Law makers and auto insurance companies have not had a lot of success with their efforts to stop distracted drivers from being on the road.

The problem with drivers today is that they think that they are invincible. They think that they can drive and talk on their cell phone at the same time and that nothing bad will happen to them. T

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Currently, the United States has more than four million motorcycles registered to drive on public roads. Most major insurance carriers have responded to the needs of this substantial market by offering the same protections and benefits to riders as they do to drivers by providing motorcycle insurance policies. For bikers, the need for quality insurance protection is especially critical. According to the NHTSA, roughly 80 percent of motorcycle accidents result in death or injury, whereas with automobiles, the figure is only about 20 percent. The best way to combat these unsettling statistics is to ride safely, and that includes carrying adequate motorbike insurance protection.

By and large, motorcycle insurance looks nearly identical to coverage for a conventional vehicle.

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There hasn’t been much good news from Florida lately, particularly in the area of bad faith litigation.  In a rare bright note, however, the Florida Supreme Court has declared that the liberal rules that it adopted a few years ago requiring disclosure of work product in first party bad faith cases does not apply with respect to attorney-client privileged communications.

In Allstate Indemnity Co. v. Ruiz, 899 So.2d 1121 (Fla. 2005

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The British love their pets, and tend to take them everywhere – including away on holiday. It shouldn’t come as a surprise, then, that so many landlords experience damage caused by their tenants’ furry friends’. But what can you do about it?

The easy option is simply to disallow pets from staying in your holiday home. But while this will certainly save your fixtures and fittings from being bitten, scratched and gnawed at, don’t forget that owning pets in the UK is very widespread, and you may be losing out on the very lucrative ‘furry pound’.

If you do let animals stay in your home, be aware that few holiday home insurance policies will provide cover for damage caused by pets. That said, th

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Are attorney’s fees awarded in a class action settlement “damages” covered by a general liability policy?   Are they covered as “costs” under the “Supplementary Payments” Provision of a CGL policy?  Not according to the Eleventh Circuit in Alea London Limited v. American Home Services, Inc., 638 F.3d 768 (11th Cir. 2011). In that case, the Court of Appeals held that attorney fees awardable in a TCPA class action suit are not “damages” because of “personal and advertising injury” nor do they constitute costs payable under the Supplementary Payments provision of a CGL policy. Indeed, at the outset, the Court recognized that the ordinary and legal meaning of “costs” under Georgia law does not include attorneys’ fees.   

The

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