Insurance: The Basics

How To Get Flood Insurance

"What’s remarkable about flood insurance is that only 12% of people have it.” - I.I.I. CEO Sean Kevelighan. Watch the latest video produced in partnership with The Weather Channel about how to get flood insurance.

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A rocky road so far: Recreational marijuana and impaired driving

More than 30 states, the District of Columbia, Guam and Puerto Rico have programs that allow qualifying patients to access medical marijuana products. Another 13 states permit non-intoxicating medical marijuana products. Ten states and D.C. permit recreational marijuana, where any adult over the age of 21 can possess and use the drug. Recreational marijuana sales are booming.

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Florida's assignment of beneﬁts crisis

It is a standard practice throughout the insurance world: As a convenience, a policyholder grants a third party – an auto glass repair company, a medical practitioner, a home contractor – permission to directly bill an insurer to settle a claim. That practice is called an assignment of benefits, usually known by the acronym, AOB.

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How to file a wildfire claim in California

Wildfire recovery and the claims process

If you have been impacted by the wildfires in California, contact your insurer to start the claims process, and to help you determine if you are eligible for additional living expenses. To understand more about the claims process, including how to file a claim and to learn what’s usually covered and what is not, please see the following articles:

Background on: Marijuana and impaired driving

Overview

More states are passing legislation permitting medical and/or recreational marijuana use, which raises concerns about users driving under the influence of marijuana. This piece will discuss:

Spotlight on: marijuana and employment

Overview

More states are passing legislation permitting medical and/or recreational marijuana use, which raises the inevitable employment-related questions. In this article, we’ll discuss:

The Insurance Industry’s Annual Week of Giving 2018

Each year, the insurance industry comes together for the Insurance Industry Charitable Foundation (IICF) Week of Giving. During this eight-day international and industry-wide initiative, insurance professionals complete volunteer projects in support of community nonprofit organizations.

How to keep your July 4th celebration safe and fun

Fireworks, flag flying, parades, and pool parties are all part of the tradition and fun associated with the Fourth of July. Partygoers, to avoid injuries, are urged to be cautious when taking part in any festivities.

Check out the following tips to help you have a safe and enjoyable holiday:

Infographic: Hurricane Deductibles

A printable version of the infographic can be downloaded here.

How Insurance Drives Economic Growth

When asked what insurance does, most people are likely to say that it provides protection against financial aspects of a premature death, injury, loss of property, loss of earning power, legal liability or other unexpected expenses. All that is true. However, the industry’s contribution to the economy goes much further. One could point to the millions of people employed in insurance and related activities, to the billions of income taxes and premium taxes paid and to extensive charitable works.

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