Articles Posted in Insurance Law

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Car Insurance Coverage - Reyes Browne Reilley Law Firm

Injuries are an unfortunate outcome for many motor accidents, and as such, car insurance comes with ways to make sure you can pay for medical costs. The three parts of car insurance concerned with health are bodily injury liability (BI), medical payments and personal injury protection (PIP).

In Texas, PIP and BI are mandatory, however you cannot have PIP and Medical Payments on the same policy.

So what’s the difference between the two?

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Arbitration clauses are becoming an effective tool for employers and certain litigation-prone professions like medical doctors, hospitals, nursing homes and automobile manufacturers to bypass the legal system. The vast majority of people who sign an employment contract, service agreement, or purchase contract have no idea that they are signing away their right to take the company or person to court should a dispute arise.

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texas-insurance-law-loophole-V3David Lieber of Dallas News has discovered another unfair way insurance companies are trying to get more from customers. We are all familiar with the normal ways in which insurance companies try to get us to pay more for coverage. There are fees for 24-hour service, fees for adding another car to your plan, and fees for just about anything.

According to a new law, if you happen to call your insurance agent with a question about a potential claim on your automobile policy in Texas, you could face an increase in your premium when your policy is renewed. This fun bit of Texas legislature makes it easier for the insurance companies to take more money out of your pocket, even if you don’t end up filing a claim. In 2013 Texas Legislature passed a law that made it illegal for insurance companies to charge Texas insurance customers who ask questions about their homeowners policy, but insurance lobbyist pressured legislators to remove the part that protects your automobile policy.

State Senator Kirk Watson, Austin D, had originally written the bill to protect Texas insurance customers. However, he knew if he did not remove the part including automobile insurance, the entire bill would not have passed. During the proceedings to pass the bill, the insurance industry kept their opposition quiet in order to keep customers from discovering the bill. According to the legislative record, the insurance industry claimed, “Limiting the types of information that insurance companies can take into account could hinder operations and unfairly shift premium costs among policyholders.”

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