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In court, the three members of the family now claim for their losses. The parents claim for the loss of value in the property and the failed marriage. Their daughter claims for personal injuries. Midway through, the builder’s insurance company agrees to pay out on the loss in value of the house caused by the defective workmanship. In the end, the parent’s claim for failed marriage is dismissed because it was caused by the poor construction of their home and that claim was settled. The first moral to this story is that you can only make two claims when they are independent of each other. If one claims flows naturally from another, settling one means losing the other. But the daughter can claim because she was not a party to any of the contracts. Her remedy is in negligence for personal injuries. The builder and insurers are therefore looking at third party liability and that falls within the scope of the home insurance policy.

Unintentionally, the court has done the right thing. It has protected the interests of a baby whose life was wrecked by defective workmanship. It has approved the payment to the parents for the loss in value when the property became uninhabitable. But dismissed their claim because the marriage collapsed. These things happen and, unless in exceptional circumstances, they are not covered by homeowners insurance policies. The only problem is that, in arriving at this result, the parents are liable to pay the builder’s and the insurers’ costs. In effect, therefore, they get nothing out of all the stress of events and their legal consequences. Supposedly, they will be wiser for this experience.

There is a sad fact of life when it comes to dealing with insurance companies. You should read all the small print before you buy a policy and, if you are surprised at how the insurer decides to interpret the policy when you make a claim, you must be ready with an attorney. Telling it as it is: insurance companies like to make a profit. If they have to pay out too many big claims, their profit starts getting small. That gives them an incentive to keep finding new ways to avoid paying out. When Hurricane Katrina hit the Mississippi Gulf Coast, home owners discovered their policies covered storm damage, but limited or excluded claims arising from flooding. The cause of much of the damage was a storm surge where the wind drove the water to higher than usual levels. The issue for the courts was whether the resulting damage was covered as storm damage or excluded as flood damage. The practical reality was that, for the people whose homes were damaged, the precise cause and effect mattered little. They had lost their homes. For the insurance companies, the courts were deciding claims worth billions of dollars. Needless to say, the courts at state and federal levels gave often wildly different interpretations and produced very different results. That is what happens when vast numbers of people line up to sue multiple defendants. Some win. Some lose.

One of the more interesting outcomes of the litigation was the decision of some insurance companies to stop selling policies in the Gulf states. They gave as their reason the increasingly uncertain legal environment. The companies that still write home insurance coverage now have different language. Policyholders hope the law will be on their side. The attorneys acting the the insurance industry remain confident they now have their clients protected.

Over the last few weeks, we have been watching a new slow-motion threat emerge in the Gulf of Mexico. The Deepwater Horizon rig operated by BP exploded and, with the pipe broken on the sea bed, crude oil is now pumping out into the water. Oil has already started to come ashore in Louisiana. Residents in the other states are taking out their policies to see what the small print says. So let’s say the average home owner with a property on the coast has a standard home insurance policy, federal flood insurance, hurricane and windstorm coverage, sinkhole coverage, and so on. What will happen when the oil comes? Well, there will be terms allowing claims in the event of an explosion. Unfortunately, the destruction of the rig happened too far away for it to count directly. A court would have to find the explosion was the main cause of the oil coming onshore. Winds and tides play their part in this process. So then we come to the terms allowing claims if the property is damaged by “pollutants”. Crude oil is a natural substance and not a pollutant as defined by insurers. But it is possible that, if it did damage the structure of your property, you would have a claim. Except, most properties are built on the land, not on stilts over the sea. Very few homeowners insurance policies cover damage to the land on which the house stands. The result? Win or lose, a lot of attorneys are going to get rich suing BP.

One of the most important lessons of the last two years is that having regulators in place does not mean having consumer safety. Wherever you look from the failure of the SEC to police the banking industry, to the failure of the FDA to keep food and drugs safe, to the failure of the Minerals Management Service to prevent the oil disaster in the Gulf of Mexico, it’s clear the regulators have been asleep at the wheel of a Toyota car speeding out of control thanks to the National Highway Traffic Safety Administration. It does not matter who you want to blame: the politicians who take the money of business and industry to pay for their expensive election campaigns, the leaders of business and industry who want the maximum profit with no accountability, or the regulators who sit in the middle and hope no one will notice they do nothing. The result has been a catastrophic series of failures. And who gets to pick up the bill? Why taxpayers and consumers, of course. Tax revenues are used to bail out the companies too big to be allowed to fail, and everyone who buys goods and services gets to pay a little more every year in prices to keep the wheels well greased.

Why are we thinking about this right now? Well, every US state has a department or office of insurance run by a Commissioner who is supposed to protect our interests. In some states where the political wind blows more to the left, the Commissioners can be crusaders who protect our interests. But in states where the political wind blows to the right, the lawmakers pass weak regulations and fail to back-up the regulators who might want to “do something”. A classic example of the problem can be seen in Texas where the Commissioner has been fighting a losing battle with the insurance industry in general and State Farm in particular.

State Farm submitted rate plans announcing its intention to raise premium rates by 13%. The reality has proved rather different with some ZIP codes seeing hikes of up to 39%. Not surprisingly, the Commissioner is angry and has posted a lot of the correspondence on the state website. It seems State Farm thought the 13% increase was justified because of rising costs in the building industry for both materials and labor. It was also concerned this year might see more hurricanes, tornadoes and hailstorms. The Commissioner is also telling State Farm policy holders where to find cheaper coverage. He is fighting what he terms the insurer’s deceptions and misstatements. Even the lawmakers have become concerned as Texas now has the second highest average rates in the US for home insurance cover. They are actually talking about giving the Commissioner the power to refuse premium increases!

Let’s be clear. There is nothing wrong with an insurance company increasing its rates to cover rising costs. If it believes there will be more losses in the next year, it can raise rates. But State Farm has crossed a line in Texas and even a GOP state can fight back when the electorate starts to complain. As it stands, if you live in Texas, you should check out the Commissioner’s website at Texas Department of Insurance for the latest information on the State Farm situation. You should also get the maximum possible number of home insurance quotes to find cheaper alternatives to the State Farm policies.

Tip 1 – Bundle up insurance policies

There are two senses in this tip. At first, if you have more than one car in your family, having separate auto insurance for each vehicle is not a way to get cheap auto insurance. Discuss with your agent the possibility of getting a single insurance policy on all your cars with all the family members included. This will save you a lot of money and will give you some discounts, depending on the company.

In another sense of bundling up, those who have different types of insurance such as home, car or health insurance, should get these services from the same provider. Most insurance companies offer attractive discounts to those who buy different types of insurance from them. Even if you have better rates with another company that provides only a single type of insurance, the discounts you will be offered will allow you to save a lot of money in overall.

Tip 2 – Comparison shopping is a must

Hasty decisions can have negative results, especially when it comes to insurance. Some people don’t waste their time on shopping around for insurance, get the first policy they are offered with right at the dealer’s and later complain that their insurance is too expensive. Smart shoppers never do things like that. Take your time to see what different companies have to offer and you will be surprised to learn that different companies have different rates for the very same car. That is because every company has different methods of evaluating their risks and different claims statistics to base their rates on. Use it to your advantage and you will see that cheap auto insurance is not that hard to get. Compare insurance quotes online, talk with your agent or contact different companies directly – no matter how you do it, shopping around is the most effective way of getting cheap auto insurance and saving your money in a tough economy.

The other system is a traditional for-profit model. In America, insurers are allowed to add their profit margin on to every amount they have to pay. In Europe, insurers are allowed to make a profit on the basic car insurance element in an auto policy, but cannot make a profit on paying medical costs. European health insurance companies make a profit when they sell health plans. The insurer’s right to add a margin is strictly controlled.

All this should tell you the American insurance model is pro business and against the consumers’ interests. You are entitled to see only good. This is how capitalism is supposed to work. We should all pity the poor Europeans who live under these socialist governments. They only pay profits to the insurance industry on the core elements of each policy. We should be thankful our premium rates increase to add a new profit margin every time repair shops, tow companies, car rental firms, hospitals and drug companies increase their prices. For those of you in search of cheap car insurance, get multiple quotes through this site and look through them all carefully to identify where additional discounts and savings may be found. It is up to you to protect your own interests. If this means buying insurance through an internet-only company rather than supporting companies with the maximum number of employees, this is your right. You do not care whether you are supporting the employment of your fellow Americans. All you want is cheap car insurance.

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In fact, there are numerous insurance companies that you can buy insurance from, and their rates differ just as the prices on autos at different dealers. It all boils down to shopping around and defining your insurance needs. There are companies that will offer low rate services, but their customer support will be weak and they won’t process your claims rapidly. Other companies will have great 24/7 services but their rates will bite your wallet hard. In the end, looking for the cheapest offer might be not the best idea and you will have to take other important elements in consideration besides the price. Here are some things to think about when choosing insurance for your vehicle:

The rates you get from the insurance company are based on your age, gender and driving record. If your driving record is clean of accidents and traffic violations then you are very likely to get lower rates than your peers with accidents behind them. That is because insurance companies tend to charge less those drivers who do not pose a great risk to the and have a low probability of filing a claim. And the longer you keep your record clean the lower your rates will be over time.

For some drivers switching between companies on a regular basis is nothing extraordinary. And while there’s nothing wrong with that, as you simply don’t have a better way to find cheap auto insurance solutions, there are certain downfalls to that. Most auto insurance companies tend to reward their customers for long term relations and offer substantial discounts to those who stay with a single company for a longer period of time. So it sometimes pays to have higher rates and good services initially and then opt for a discount after you have stayed with the company long enough (usually 3-5 years).

Those who have more than one car should insure them all with the same providers. Insurance companies tend to offer good discounts for multiple car owners, especially when they get other types of insurance from them too (homeowners, health, life, etc.)

Improve the safety of your car if possible. Installing additional anti-theft and safety features and telling your insurance company about them is a sure way to get cheap auto insurance. However, make sure to ask your insurance agent about the measures that are identifiable by the insurance company in order to avoid buying devices that the insurer won’t regard as an acceptable safety feature.

At the same time this law was going through the state legislature, a second bill was produced which increases the pressure on law enforcement to check whether drivers are carrying valid insurance. This is a logical development. There is little point in making it mandatory to carry liability coverage if there is no effective enforcement. So, as from June 1st, all drivers in Wisconsin must carry proof of a valid insurance policy in their vehicles.

Writing this in May, the estimate is that about 14% of all drivers in Wisconsin fail to carry insurance. It is a depressing thought but, in national terms, this is quite a low percentage. Although most states have a mandatory insurance requirement, there is poor enforcement and whether through real poverty or a stubborn refusal to comply, some states have relatively high numbers of uninsured drivers on the road. So will this change in the law produce a flood of people suddenly insuring their vehicles? Probably not in the short term! No matter what the law says, people with a choice between eating and insuring their vehicles will almost always choose to eat.

When interviewed on their proposed approach to the new law, local police authorities have said they will start out with education in mind. On all routine stops, drivers will be asked for proof of insurance. If none is forthcoming, they will be told of the law and advised they cannot legally drive away. But the police will not call for the tow truck during the first weeks of June. Think of it as warnings rather than citations. With the coming of summer, the policy will change and citations will be issued for failure to carry. In all traffic accidents, all the drivers involved will be asked for proof of insurance.

The penalty for failure to carry proof of car insurance is low at only $10, but the fine for failure to have a valid policy of insurance is up to $500 for each offense. Because it is unlawful to drive without a policy, more vehicles will be towed and will only be released when the charges are paid and proof of insurance is provided. This inconvenience will threaten many families that depend on a vehicle and more may make the effort to insure. The alternative when the vehicle is old and battered is simply to buy another cheap and disposable vehicle and do without valid Wisconsin auto insurance. Even cheap car insurance is often too expensive for those out of work and on the poverty line.