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The National Insurance Crime Bureau (NICB) has released stolen auto statistics for 2010. And, the West Coast holds all of the top-ten positions. Eight of the top-ten positions are in California and the remaining two in Washington. The “garage location” of a vehicle figure prominently into the insurance premium rate charged for commercial auto insurance and your company’s fleet location makes this study important for insurance rate comparison purposes.

Fresno, California led the list with 7,559 car thefts in 2010. Put in perspective, that’s about 21 cars per day.

The National Insurance Crime Bureau (NICB) has released stolen auto statistics for 2010. And, the West Coast holds all of the top-ten positions. Eight of the top-ten positions are in California and the remaining two in Washington. The “garage location” of a vehicle figure prominently into the insurance premium rate charged for commercial auto insurance and your company’s fleet location makes this study important for insurance rate comparison purposes.

Fresno, California led the list with 7,559 car thefts in 2010. Put in perspective, that’s about 21 cars per day.

There are several ongoing challenges to the Patient Protection and Affordable Care Act (PPACA). Last Wednesday, one of the cases got to the apellate level when the 11th Circuit Court of Appeals heard arguments on Florida et al v. United States Department of Health and Human Services (3:10-CV-91-RV/EMT).

This case involves the State of Florida and 26 other states (including Ohio) and a business group. In January, 2011, the federal district court, through Judge Roger Vinson (Reagan appointee, 1983), ruled the individual mandate aspect of the Act was unconstitutional and could not be stripped away from the remainder of the Act and, therefore, the PPACA was unconstitutional. Judge Vinson stayed his order conditioned upon the defendants seeking appelate review within seven days from his order. The stay order also criticized the government for continuing to implement the PPACA after his ruling in January.

There are several ongoing challenges to the Patient Protection and Affordable Care Act (PPACA). Last Wednesday, one of the cases got to the apellate level when the 11th Circuit Court of Appeals heard arguments on Florida et al v. United States Department of Health and Human Services (3:10-CV-91-RV/EMT).

This case involves the State of Florida and 26 other states (including Ohio) and a business group. In January, 2011, the federal district court, through Judge Roger Vinson (Reagan appointee, 1983), ruled the individual mandate aspect of the Act was unconstitutional and could not be stripped away from the remainder of the Act and, therefore, the PPACA was unconstitutional. Judge Vinson stayed his order conditioned upon the defendants seeking appelate review within seven days from his order. The stay order also criticized the government for continuing to implement the PPACA after his ruling in January.

Your insurance policy with your insurer is a contract. It contains specific terms, requirements, and conditions. One sure way to get a claim denied for your business is to fail to reveal a material fact that would affect your insurer’s decision whether to insure your business. Another way is to fail to coperate with the insurer as it investigates the claim.

When your business and your insurer disagrees with what the contract between the business and insurer states, either party can go to court for clarification. Such a lawsuit is called a declaratory action. One party is seeking a “declaration” that their particular vie is the correct one.