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Every state requires that drivers carry liability insurance. The liability coverage section of an auto insurance policy provides financial protection from liability claims against you when you (or certain other people) cause an accident that results in bodily injuries to other people and/or damage to their property. Every state has mandatory minimum levels of coverage in this area. The rationale behind such laws is that at-fault drivers should be able to compensate victims who suffer accident-related losses. But the required minimums in most states don t even come close to covering the costs of a serious accident. Consequently, if you wish to be adequately protected from liability claims, your liability coverage should probably exceed your state s requirements.

Other coverages are required in some states and optional in others. Medical payments coverage and uninsured/underinsured motorist coverage are two such coverages. Medical payments coverage covers medical expenses incurred by you, your family (more...)

Health insurance fraud represents one of America s largest taxpayer rip-offs ever, costing Americans literally billions of dollars every year.

Due to rampant deception, scams and abuse in the health care system, consumers are forced to pay the price-literally-through escalating medical costs and rising health insurance premiums.

And government programs like Medicare and Medicaid, designed to help the low-income and elderly, represent two of the biggest losers of all.

Health Insurance Scams

According to the Insurance Information Institute, health providers and facilities such as doctors, hospitals, nursing homes, diagnostic labs and attorneys routinely attempt to defraud the health insurance system…with devastating results.

How do they do it? In a number of ways, including:

Billing health insurance companies for expensive treatments, tests or equipment patients never had or never received Double- or triple-billing health insurers for the same treatments Giving (more...)