RANCHO CUCAMONGA, CA, November 03, 2011 (Press-News.org) The Delaware Insurance Department's recent announcement that it has recovered nearly $2 million this year for auto, homeowner and other policyholders in that state exemplifies the work regulators carry out on behalf of consumers nationwide, according to Online Auto Insurance (OAI).
For the average person, filing a claim on a low cost car insurance policy and then trying to work out a settlement with a large insurer can be a daunting task. But regulatory agencies in every state can help residents settle claims that might otherwise never be paid.
A vehicle policy is a legal contract between a customer and his or her coverage provider, and each state has its own laws protecting its residents from unfair treatment by those providers.
Regulators in Delaware and other states are there to help negotiate claim disputes, make sure that companies are engaged in proper business practices and impose penalties on those who violate state law, among other actions.
The more than $1.8 million recovered by Delaware regulators through the first nine months of 2011 puts the state ahead of 2010, when officials recouped more than $2 million for the entire year.
But state regulators do more than just help resolve disputes between carriers and their customers. They also have the legal authority to fine coverage providers for violations of state law, as Delaware Insurance Commissioner Karen Weldin Stewart did earlier this year.
In separate actions, Stewart assessed fines of $25,000 each against two insurers for violations including failing to provide discounts as outlined under state law and illegally imposing surcharges on some customers.
Weldin and other officials who oversee insurers are also tasked with ensuring that companies doing business in their states remain financially solvent and are authorized under state law to take action against insurers, with steps including suspension of a company's business activities and even liquidation of assets.
Source: http://delcode.delaware.gov/title18/c059/sc02/index.shtml
To learn more about this and other coverage issues, readers can go to http://www.onlineautoinsurance.com/low-cost/ where they will find informative resource pages and a helpful rate-comparison generator that can quickly evaluate their coverage options.
Online Auto Insurance: Delaware Recoveries Underscore Importance of Regulators
Delaware's insurance commissioner recovered more than $1.8 million in the first nine months of 2011.
2011-11-03
ELSE PRESS RELEASES FROM THIS DATE:
When the fat comes out of food, what goes in?
2011-11-03
When fat, sugar and gluten come out of salad dressings, sauces, cookies, beverages, and other foods with the new genre of package labels shouting what's not there, what goes into "light" or "-free" versions of products to make them taste like the original version? The answers appear in the cover story in the current edition of Chemical & Engineering News, ACS' weekly newsmagazine.
In the article Melody Bombgardner, C&EN Senior Business Editor, explains that food processors usually face the problem of reproducing the texture or "mouth feel" of products that have cut back ...
Video game playing tied to creativity
2011-11-03
EAST LANSING, Mich. — Both boys and girls who play video games tend to be more creative, regardless of whether the games are violent or nonviolent, according to new research by Michigan State University scholars.
A study of nearly 500 12-year-olds found that the more kids played video games, the more creative they were in tasks such as drawing pictures and writing stories. In contrast, use of cell phones, the Internet and computers (other than for video games) was unrelated to creativity, the study found.
Linda Jackson, professor of psychology and lead researcher on ...
Cardiology IT and Consolidation: Will a Leader Emerge?
2011-11-03
Cardiology departments have hosted a variety of software solutions in the past to meet varying demands. A new report from KLAS reveals that the cardiology IT market is moving toward consolidation. The report, "Cardiology 2012: Will the Complete CVIS Please Stand Up?," explains that as a result of the trend toward consolidation providers are looking for a technology leader to step up and meet their needs. This report examines which vendors, providers feel are poised to lead the cardiology market, provide necessary functionality, and offer integration.
"Many ...
Ohio State researchers design a viral vector to treat a genetic form of blindness
2011-11-03
COLUMBUS, Ohio – Researchers at Ohio State University Medical Center and Nationwide Children's Hospital have developed a viral vector designed to deliver a gene into the eyes of people born with an inherited, progressive form of blindness that affects mainly males.
The vector is part of a clinical trial investigating the use of gene therapy to cure choroideremia, a disease that affects an estimated 100,000 people worldwide. The trial is being conducted by researchers at the University of Oxford in England.
The vector was designed by Dr. Matthew During, professor of ...
Choosing The Perfect Shutters
2011-11-03
Although initially linked with tropical climes as a way to shield against heat and strong sunshine (the chance would be a fine thing in this country!), shutters are also a perfect window treatment to help keep us warm and cosy during cold, wintry weather (that'll be a fair proportion of the year then!).
As they fit snugly and tightly into the window recess, effectively 'closing' off the window, they provide better insulation than curtains or blinds. Making the most of natural daylight is even more important during the shorter winter days and shutters allow you to let ...
Maternal separation stresses the baby
2011-11-03
New York, November 2, 2011 -- A woman goes into labor, and gives birth. The newborn is swaddled and placed to sleep in a nearby bassinet, or taken to the hospital nursery so that the mother can rest. Despite this common practice, new research published in Biological Psychiatry provides new evidence that separating infants from their mothers is stressful to the baby.
It is standard practice in a hospital setting, particularly among Western cultures, to separate mothers and their newborns. Separation is also common for babies under medical distress or premature babies, who ...
Measuring outcome in the treatment of depression via the Web
2011-11-03
PROVIDENCE, R.I. – A newly published paper from Rhode Island Hospital reports that Web-based assessments for outcome measurements of patients in treatment for depression are valid and reliable. The findings indicate that the Internet version of the depression scale was equivalent to the paper version, and that patients preferred the Internet version. The paper is published in this month's edition of the Journal of Clinical Psychiatry.
Lead author Mark Zimmerman, M.D., director of outpatient psychiatry at Rhode Island Hospital, and his colleagues studied 53 psychiatric ...
Report calls for creation of a biomedical research and patient data network for more accurate classification of diseases, move toward 'precision medicine'
2011-11-03
WASHINGTON — A new data network that integrates emerging research on the molecular makeup of diseases with clinical data on individual patients could drive the development of a more accurate classification of disease and ultimately enhance diagnosis and treatment, says a new report from the National Research Council. The "new taxonomy" that emerges would define diseases by their underlying molecular causes and other factors in addition to their traditional physical signs and symptoms. The report adds that the new data network could also improve biomedical research by ...
Women's chin, abdomen are good indicators of excessive hair growth
2011-11-03
AUGUSTA, Ga. – Examining the chin and upper and lower abdomen is a reliable, minimally invasive way to screen for excessive hair growth in women, a key indicator of too much male hormone, researchers report.
"We wanted to find a way to identify this problem in women that was as non-intrusive and accurate as possible," said Dr. Ricardo Azziz, reproductive endocrinologist and President of Georgia Health Sciences University.
"We believe this approach is approximately 80 percent accurate and will be less traumatic for women in many situations than the full body assessments ...
The Hong Kong Meteorite Website Release
2011-11-03
At present, with the amount of domestic meteorite collectors increasing rapidly, meteorite collection is becoming more and more popular. The website http://www.meteorite.hk was born as an answer to these times.
The Hong Kong meteorite website was founded by the Hong Kong Best Tone Group Limited; it is not just a professional platform to show meteorites, but also a transaction platform for the meteorite collectors from all over the world and it will provide an international campaign.
The Hong Kong meteorite website was identified by the major meteorite authority; it ...
LAST 30 PRESS RELEASES:
ASU researchers to lead AAAS panel on water insecurity in the United States
ASU professor Anne Stone to present at AAAS Conference in Phoenix on ancient origins of modern disease
Proposals for exploring viruses and skin as the next experimental quantum frontiers share US$30,000 science award
ASU researchers showcase scalable tech solutions for older adults living alone with cognitive decline at AAAS 2026
Scientists identify smooth regional trends in fruit fly survival strategies
Antipathy toward snakes? Your parents likely talked you into that at an early age
Sylvester Cancer Tip Sheet for Feb. 2026
Online exposure to medical misinformation concentrated among older adults
Telehealth improves access to genetic services for adult survivors of childhood cancers
Outdated mortality benchmarks risk missing early signs of famine and delay recognizing mass starvation
Newly discovered bacterium converts carbon dioxide into chemicals using electricity
Flipping and reversing mini-proteins could improve disease treatment
Scientists reveal major hidden source of atmospheric nitrogen pollution in fragile lake basin
Biochar emerges as a powerful tool for soil carbon neutrality and climate mitigation
Tiny cell messengers show big promise for safer protein and gene delivery
AMS releases statement regarding the decision to rescind EPA’s 2009 Endangerment Finding
Parents’ alcohol and drug use influences their children’s consumption, research shows
Modular assembly of chiral nitrogen-bridged rings achieved by palladium-catalyzed diastereoselective and enantioselective cascade cyclization reactions
Promoting civic engagement
AMS Science Preview: Hurricane slowdown, school snow days
Deforestation in the Amazon raises the surface temperature by 3 °C during the dry season
Model more accurately maps the impact of frost on corn crops
How did humans develop sharp vision? Lab-grown retinas show likely answer
Sour grapes? Taste, experience of sour foods depends on individual consumer
At AAAS, professor Krystal Tsosie argues the future of science must be Indigenous-led
From the lab to the living room: Decoding Parkinson’s patients movements in the real world
Research advances in porous materials, as highlighted in the 2025 Nobel Prize in Chemistry
Sally C. Morton, executive vice president of ASU Knowledge Enterprise, presents a bold and practical framework for moving research from discovery to real-world impact
Biochemical parameters in patients with diabetic nephropathy versus individuals with diabetes alone, non-diabetic nephropathy, and healthy controls
Muscular strength and mortality in women ages 63 to 99
[Press-News.org] Online Auto Insurance: Delaware Recoveries Underscore Importance of RegulatorsDelaware's insurance commissioner recovered more than $1.8 million in the first nine months of 2011.