Free Republic

The Second Amendment doesn’t grant a person the right to bear arms—the Second Amendment recognizes an individual’s God-given right to self-defense, and prohibits the American government from infringing upon that right. Well in other news that isn’t news, Commiefornia is ignoring all that law and precedent; on Friday, Democrat Assemblyman Mike Gipson put forth a bill that would require insurance companies to ask a litany of very specific questions regarding personal firearms an applicant may or may not have. Then, these insurers would need to hand this information over to state agencies and lawmakers. From AWR Hawkins at Breitbart:The bill,...

Buying an EV entails many other costs besides the vehicle. Insurance is way higher. Some companies won't insure them at all. Tires wear out quicker (20k miles) and are more expensive. Video at link....................

For years, California Democrats have been hostile to gun owners. California Democrats frequently attempt to erode Second Amendment rights in the state. A bill in the Democrat-controlled California State Assembly that was introduced on February 16th, would force homeowners and renters to disclose information about firearms they own. Assembly member Mike Gipson, and State Senator Catherine Blakespear are the two leading California Democrat lawmakers pushing this legislation.

In February 2021 just after the Biden Regime was installed, a DACA/Anchor baby ran the stop sign at a 2 way stop on my way back from work and tboned my vehicle at full speed. Found out she had gone to Rutgers uni and was from Columbia. She was giggling as I got pulled out of the passenger side of my totalled vehicle. She did have insurance of 100K and so did I. I sustained a broken wrist and a torn rotator of which 2 surgeries and physical therapy could not fix. After attorneys fees, I received a settlement of...

Insurance isn’t the sexiest topic to either write or read about, but an extreme weather-driven downtrend of insurance agency availability is tightening the noose on an already suffocating national housing market. The U.S. had its highest number — 28 — of annual billion-dollar weather disasters in 2023, including the Lahaina wildfire, California flooding, and Tropical Cyclone Idalia in Florida, according to a NOAA report. Homeowner insurance agencies’ response to the continually rising costs has either been to drastically increase their insurance rates or to back out from certain areas entirely. The dire situation first made national headlines last year when...

I've been forced to declare my Range Rover off road and sell it for a £15,000 loss after insurers quoted me £890 a MONTH - extortionate premiums are destroying lives A Range Rover Velar owner says she has had to declare her car off road and will be forced to sell it at a loss of about £15,000 after insurers quoted her £890 a month. Kirsten Lijeskic, 38, says she got the £56,000 wheels in September 2022 and had been paying £130 a month insurance for her and her husband with Acorn. But now Kirsten, who lives in Winchmore Hill,...

An insurance company that covered several businesses destroyed during the George Floyd riots in Minneapolis is suing the city for negligence. “[George] Floyd’s death sparked several days of protests and civil unrest, which resulted in damage to numerous businesses in Minneapolis and Saint Paul, including damage to the insureds’ businesses,” the lawsuit (pdf) states. The Illinois Casualty Company (ICC) paid insurance claims of over $5.6 million in damages “caused by the civil unrest,” according to the lawsuit. The complaint cites an independent report from Hillard Heintze (HH), a safety and security consulting firm. The city contracted with the firm in...

The ongoing insurance crisis in Florida, fueled by the exodus of major insurers and the increased risk of extreme weather events, could trigger a downturn in the state's real estate market, experts told Newsweek. Homeowners in the Sunshine State currently pay the highest insurance premiums in the country. Floridians pay private insurers an average premium of about $6,000 a year, according to the latest data from the Insurance Information Institute, or Triple I, according to Barron's and CNN Business, compared to the national average of $1,700. Few people can self-ensure against the loss of their homes, and banks require an...

Millions of Americans are struggling under the crushing weight of rapidly rising health care costs that now force them to choose between putting food on the table or taking care of their health.(Nata-Lia/Shutterstock)Even with insurance, medical bills have become backbreaking as health care expenditures devoured more than 17 percent of the U.S. GDP, an increase of 4.1 percent from the year before.Runaway Growth of Health CostsOver the past few decades, health care expenditures in the United States have skyrocketed.Costs rocketed to nearly $4.5 trillion in 2022 despite reduced services during the pandemic, data from the Centers for Medicare & Medicaid...

Undocumented Californians are leaving health care clinics with “smiles” after they learn they’re newly eligible for Medi-Cal insurance. The health insurance expansion was decades in the making for immigrant advocates.

Florida condo owners are about to get hit by the perfect financial storm. With insurance rates already going up as much as 300% for some buildings along with recent changes to the Florida Condominium Act and new changes going into effect in 2025, many are going to face tough times in the coming months and year.

Several years ago, I realized I could save hundreds of dollars on prescription drugs by not using my health insurance. Instead, I pay using cash and a drug discount program like GoodRx. I realized this savings because my insurer/PBM had an incentive to keep list prices high. In plain English, my insurer overcharged me for my prescriptions so it could collect big rebates from drug companies.

DUBAI, Dec 3 (Reuters) - Former U.S. Secretary of State Hillary Clinton called on Sunday for reform of the insurance sector, where companies are increasingly withdrawing assistance against climate shocks. Lower-income countries and workers in nations most affected by climate change are struggling to access insurance to help protect them from economic shocks. "We need to rethink the insurance industry," Clinton said during a panel on women and climate resiliency. "Insurance companies are pulling out of so many places. They're not insuring homes. They're not insuring businesses."

Soaring home insurance premiums in Florida are putting residents under unbearable financial pressure, with many telling Newsweek that they are considering leaving the state or moving somewhere cheaper within Florida. The state has currently the most expensive home insurance premiums in the country, according to a recent report by the Insurance Information Institute. Residents are currently paying on average more than $4,200 per year compared to the national average of $1,700, according to data from Triple I. While this is due in part to the increased risk of devastating weather events like hurricanes, other factors—including an excess of litigation and...

In North Carolina, lawmakers outraged that breast cancer patients were being denied reconstructive surgeries passed a measure forcing health insurers to pay for them. In Arizona, legislators intervened to protect patients with diabetes, requiring health plans to cover their supplies. Elected officials in more than a dozen states, from Oklahoma to California, wrote laws demanding that insurance companies pay for emergency services. Over the last four decades, states have enacted hundreds of laws dictating precisely what insurers must cover so that consumers aren’t driven into debt or forced to go without medicines or procedures. But health plans have violated these...

When a stubborn pain in Nick van Terheyden’s bones would not subside, his doctor had a hunch what was wrong. Without enough vitamin D in the blood, the body will pull calcium from the bones. Left untreated, a vitamin D deficiency can lead to osteoporosis. A blood test in the fall of 2021 confirmed the doctor’s diagnosis, and van Terheyden expected his company’s insurance plan, managed by Cigna, to cover the cost of the bloodwork. Instead, Cigna sent van Terheyden a letter explaining that it would not pay for the $350 test because it was not “medically necessary.” The letter...

What’s a Claim File? Why Should I Request One?A claim file is a collection of the information your insurer used to decide whether it would pay for your medical treatment or services. Most people in the U.S. facing a denial have the right to request their claim file from their insurer. It can include internal correspondence, recordings of phone calls, case notes, medical records and other relevant information.Information in your claim file can be critical when appealing denials. Some patients told us they received case notes showing that their insurer’s decision was the outcome of cost-cutting programs. Others have gotten...

he veteran mechanic Scotty Kilmer has warned motorists thinking of buying an electric car to be careful not to damage the battery or face expensive repair bills. The popular YouTuber has worked on cars for over 55 years, and regularly posts videos helping viewers buy the right car for them and avoid issues. In one of his latest videos, Scotty warns that a lot of car insurance companies are scrapping electric vehicles with damaged batteries. He advised: "Here's yet another reason not to buy an electric car, because many insurance companies are now totalling electric cars with even minor damage...

BRUSSELS/LONDON (Reuters) - Wealthy nations could provide 100 of the world's most vulnerable countries a combined $25 billion in annual protection against climate disasters for as little as $10 million per nation, research published on Tuesday showed. With rich nations under pressure to fill the pot, researchers from the University of Cambridge's Institute for Sustainability Leadership said they had reached a "breakthrough" in understanding how to use this money to protect countries from the spiralling cost of storms, drought and rising sea levels. Donor funds of $10 million per recipient country, when used as premium support, could yield $200 million...

Although artificial intelligence is in its early stages in the health-care industry, it already has triggered legal action. A class-action lawsuit filed on Tuesday alleges that UnitedHealthcare used an artificial intelligence algorithm to wrongfully deny coverage under Medicare Advantage health policies. The insurer made health-care determinations using its nH Predict algorithm, overrode physician recommendations, and denied elderly patients’ claims for stays in extended-care facilities, according to the lawsuit in the U.S. District Court for the District of Minnesota. The plaintiffs also alleged the technology lets the company “aggressively deny coverage, because they know they will not be held accountable for...