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States Allowing Electronic Proof of Auto Insurance

According to the Property Casualty Insurers Association of America, the following are states that have adopted e-card laws and/or regulations are:

US Map


  1. Alaska
  2. Arkansas
  3. Colorado
  4. Florida
  5. Georgia
  6. Illinois
  7. Indiana
  8. Iowa
  9. Kansas
  10. Kentucky
  11. Maine
  12. Mississippi
  13. Missouri
  14. North Dakota
  15. Oklahoma
  16. Oregon
  17. Pennsylvania
  18. Tennessee
  19. Texas
  20. Utah
  21. Washington
  22. Wisconsin
  23. Wyoming

Florida is joining the ranks of other states and allow drivers to show law enforcement officers their proof of automobile insurance through their cell phone and other electronic means.

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Questionable Insurance Claims on the Rise in TX

Questionable insurance claims rose by 38 percent in TX from 2010 through 2012, the National Insurance Crime Bureau (NICB) reports.

Questionable claims (hereby referred as QC) are those claims that NICB member insurance companies refer to NICB for closer review and investigation based on one or more indicators of possible fraud. A single claim may contain up to seven referral reasons.

This report analyzes QCs by loss city, core-based statistical area (CBSA), policy type, loss type, policy and loss type combined and referral reasons.

In 2010, there were 7,520 Texas QCs referred to NICB from its member insurance companies. In 2011, the number increased to 8,016 and rose again in 2012 to 10,368 — a 38 percent increase over 2010′s figure.

The top 5 loss types were:

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Moving Scams in Texas

Texas officials say that illegal moving companies are operating statewide, putting consumers at risk for losing their belongings or paying a ransom for getting them back. To operate legally, a moving company must display a valid TxDMV or United States Department of Transportation (USDOT) license number on the truck. Movers should never be hired from free Internet advertising sites. In March, the Houston Police Department arrested two men suspected of using hostage tactics in Houston, San Antonio, Dallas and Austin. The pair ran an unlicensed moving operation that promised cheap moves, but held customers’ household goods hostage, demanding hundreds of… Read More »Moving Scams in Texas

How to Reduce Drunk Driving

Presently, Texas State law does require that interlock devices be installed in the vehicles of drivers convicted of two or more DUIs, or those that have a blood alcohol concentration of 0.15 or more —  nearly twice the legal limit of 0.08. New Bill, introduced recently, require that all persons convicted of driving while intoxicated have an ignition interlock device installed in their vehicle. Studies have shown that requiring the use of ignition interlock devices can reduce repeat drunk driving offenses by 64%. Currently 8 states mandate the use of ignition interlock devices for all drivers convicted of driving while… Read More »How to Reduce Drunk Driving

Hartford Insurance Company Expands Coverage For Healthcare Providers

As the aging population and advances in medical technology fuel the healthcare industry’s rapid expansion, providers face new growth opportunities and specialized protection needs. To help healthcare administrators address these needs, The Hartford Financial Services Group, Inc., has expanded its portfolio of insurance products and services for healthcare providers with tailored coverage designed specifically for healthcare facilities. “Healthcare service providers have a broad range of insurance and risk management needs, from protecting their property, medical equipment and computer records to ensuring patient and staff safety,” said Lisa Morgan, senior vice president of The Hartford’s Middle Market commercial insurance business. The… Read More »Hartford Insurance Company Expands Coverage For Healthcare Providers

You’ve Been Served, Brazoria County, TX

The Texas Supreme Court has determined that a lawsuit filed against a “governmental unit” within six months of an incident can be regarded as sufficient notice under the Texas Tort Claims Act. The high court’s ruling reverses the dismissal by the Court of Appeals for the 14th District of Texas of a suit against a Texas county. The case was remanded back to the trial court. In Glenn Colquitt v. Brazoria County, NO. 09-0369, the Texas Supreme Court found that because all of the pertinent details that are required in notice to a governmental unit in Texas when filing a claim… Read More »You’ve Been Served, Brazoria County, TX

Insurance for contractors – announcement

In the past we were resistant to write insurance for artisan contractors. We were mostly dealing with small, usually one man, companies, and efforts spent to provide insurance quote most of the time weren’t justified with a bottom line. Today we’re happy to announce “Happy Artisan Contractors” program. Premium starts from $750 to $1000 in California ($450 to $1000 in other states). Excess Liability up to $5,000,000 is also available. Limits 300,000/300,000/300,000 (CA, NV, OK & OR only) 500,000/500,000/500,000 500,000/1,000,000/1,000,000 1,000,000/1,000,000/1,000,000 1,000,000/2,000,000/1,000,000 1,000,000/2,000,000/2,000,000 Artisan contractors who perform new construction in tract home subdivisions of up to 10 homes are acceptable!… Read More »Insurance for contractors – announcement

U.S. Suspicious Claims Up 136 Percent

The number of hail loss claims filed with insurers increased by 61%. At the same time, the number of claims referred for suspected fraud increased by 136%, according to a National Insurance Crime Bureau report that examines both hail loss claims and hail loss questionable claims  for the period Jan. 1, 2006 through March 31, 2010. During this period, TX was the top state in both hail loss claims and hail loss claims. The top 10 states represented 75% of the total number of hail losses and 82% of the questionable claims.