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What is Personal Injury Protection Coverage?

Personal Injury Protection Coverage (“PIP”) is first-party coverage that is also extended to your passengers.  It covers your and your passenger’s medical bills and also includes payment for lost wages and other nonmedical costs. There is no right of subrogation associated with PIP coverage, with minimal exception, as opposed to coverage for medical payments, which is…
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What are the Basic Types of Auto Insurance Coverage Available for Purchase in Texas?

Understanding basic auto insurance coverage is important to be sure that you are in compliance with Texas law and also important to ensure you are adequately covered when an accident happens.  Here is a quick list of the eight basic types of auto insurance coverage. Liability coverage: This coverage is to cover third parties involved…
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What is Uninsured/Underinsured Motorist Coverage and What Does it Cover?

UM/UIM coverage provides coverage if you are hit by someone who did not have insurance or did not have enough insurance to pay your medical and car repair bills. It also provides cover if you are involved in a hit-and-run accident and are unable to identify the at-fault party.  The Texas Insurance Code requires UM/UIM…
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Insureds Must Segregate Damages That Occur Prior to Policy Period From Those Occurring During the Policy Period

The Northern District of Texas recently granted summary judgment in favor of an insurer where the insured failed to segregate damages occurring prior to the policy period from those occurring during the policy period.  In Frymire Home Services, Inc. v. Whitfield Capital, LLC, 2020 WL 7259335 (N.D. Tex. Dec. 10, 2020), at issue was hailstorm…
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Insured Commercial Property Owner Suffering Hail and Wind Damage to Its Roofing System Survives A Motion to Dismiss by Travelers

In Albion Invest. Inc. v. Travelers Casualty Ins. Co. of America, 2020 WL 7041817 (E.D. Tex. Dec. 1, 2020) the court considered a motion to dismiss filed by the insurer, Travelers.  Travelers sought to dismiss the claims of its insured, Albion Investments, Inc. (“Albion”).  Albion owned commercial property which was covered by a policy issued…
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Allstate Held Accountable For Unreasonable Claim Investigation But Court Fell Short Of Finding Knowing Violation of Texas Insurance Code

Allstate was recently held accountable by a San Antonio Court of Appeals for its unreasonable claim investigation; however, the court fell short in upholding an award of treble damages because it failed to find a knowing violation of the Texas Insurance Code. In Allstate Vehicle and Prop. Ins. Co. v. Reininger, 2020 WL 6928405 (Tex….
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Review Your Business Policy NOW: Recently Filed COVID-19 Business Insurance Cases Signal the Start of Coverage Litigation

With a record number of Americans filing for unemployment (about 3.3m) amid the COVID-19 crisis, the economic fallout is beginning to be felt by employers and employees alike. Now more than ever, business owners should be analyzing their financial health and determining what course of action to take going forward, particularly in the short term….
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Business Interruption Insurance and The Coronavirus: What Does It Mean to Small Businesses Everywhere?

There is no question the coronavirus will have lasting impacts upon just about every aspect of our lives—health and safety, social, emotional, and economic.  This virus may likely be our generation’s defining moment that we will teach our kids and grandkids about for decades to come. The economic toll of the virus on small businesses…
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