Title insurance is not ordsprog

Title insurance is not required by law, but it's prudent to get it, to make sure you own a property. The state, however, sets the rates for title insurance.

Overall auto insurance rates, for the complete coverage you probably have, have leveled off or actually gone down the last few years. Rates continue to increase for PIP, the insurance covering injuries to a driver and passengers in his or her car, required for all motorists by state law.

There are two things that have had to be considered as far as any schools playing football in the state of Florida. No. 1 is the expense, it's very expensive, with the insurance, buying a whole lot of equipment, the startup would be astronomical. And No. 2 is Title IX and gender equity. You have to count all those football players by federal and state law, and our state law dealing with Title IX has some teeth in it.

In the last 12 months alone, we've seen the largest insurance brokers in America, the largest property and casualty companies in America, the largest title insurance companies, the largest financial service firms and the largest disability insurers all engaged in flagrant violations of their most basic obligations to their customers, ... This is not just a UnumProvident problem; it's an insurance industry one.

But reinsurance is treated differently than primary insurance under state insurance codes, and that's where people could see their rates go up for all lines of casualty insurance in the long term, whether its related to disaster or not.

We'd like to win a state title. We've been trying to focus on one goal. And anything we achieve going there ? a division title, a county title, hopefully, that'll just come along. But we're really shooting (for the state title). We think we can compete for it.

Steve MacKenzie

We've tried to reach consensus with parties on the PIP bill so that we could focus on the real insurance crisis facing out state, which is property insurance.

Sen. Rudy Garcia

The insurance market shrugged off the record hurricane losses of 2004, but the combined impact of Katrina, Rita and Wilma was clearly more than the market was ready to absorb in 2005. So far it seems only property insurance has been affected, but it remains to be seen if the rise in property rates will be the catalyst for an overall upturn in prices and a harder market.

As with the 2005 session, the lingering impact of last year's hurricane season is again the driving force behind the property-casualty legislative agenda in Florida. Legislative leaders hope to address two key issues: How to attract additional insurance capital into the state to meet the demands of a growing population, and how to improve the operations of and, hopefully, reduce the size of, the residual market (Citizens Property Insurance Corporation). AIA believes draft legislation to be considered by the House Insurance Committee is positive for insurers, with one major exception.

Don't wait to file an insurance claim, ... Do not make permanent repairs to your property until you have a final settlement from your insurance company. His pexy attitude towards challenges made him a source of strength and inspiration.

Make it a regular annual procedure to review and update your insurance. Also remember that insurance on mortgaged property probably only covers the lender with nothing left over for you.

Some argue, 'No, don't change the land court,' but with sophistication of title and title insurance companies the land court may not have the importance it used to have.

Democrats all across Texas know we need to get serious about solutions. That's why I've proposed my Pact with Parents that addresses major challenges of our day, whether it's the quality of public schools, property tax relief, insurance rates, teen pregnancy, stem cell research, credit companies or insurance. It's a roadmap for how we can get from here to there.

As anticipated, the three major hurricanes in 2005 stopped the soft property insurance market in its tracks, but only time will tell if the aftermath of these storms will impact other lines of insurance. Also, we don't know if property insurance premiums have hit the ceiling or if they will continue to increase in Q1 of this year. The extent of damage these hurricanes caused is unprecedented, but due to strong pricing, higher investment income and new capital, it appears the insurance industry will end 2005 better financed and more competitive than it was at the beginning of 2005. Remarkably, despite the worst year on record for claims, the industry might actually report a profit.

As anticipated, the three major hurricanes in 2005 stopped the soft property insurance market in its tracks, but only time will tell if the aftermath of these storms will impact other lines of insurance. Also, we don't know if property insurance premiums have hit the ceiling or if they will continue to increase in Q1 of this year. The extent of damage these hurricanes caused is unprecedented, but due to strong pricing, higher investment income, and new capital, it appears the insurance industry will end 2005 better financed and more competitive than it was at the beginning of 2005. Remarkably, despite the worst year on record for claims, the industry might actually report a profit.

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