Insurance Hour makes the daunting world of insurance understandable for everyone. Karl cuts through the red tape and jargon so that you can understand insurance coverage and how insurance can work for you. d. And, he makes it fun! With guests from the legislators and regulators who are making the decisions that impact your wallet, to listener calls about everything from pet insurance to insuring classic cars, Insurance Hour is an entertaining way to learn about insurance and make the best de ...
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Is Your Insurance Coverage Leaving You Exposed? Find Out Now!
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In this episode of Insurance Hour, host Karl Susman dives into listener-submitted questions, covering essential insurance topics relevant to California residents and beyond. The episode addresses critical insurance considerations such as earthquake insurance deductibles, umbrella policies for renters, flood insurance, and comprehensive versus colli…
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Earthquakes, Dogs, and Squirrels – What Can Your Policy Handle?
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In this episode of Insurance Hour, hosted by Karl Susman, the focus is on listener-submitted questions about various real-life insurance scenarios. Topics include homeowners insurance covering fence damage after storms, filing claims for auto damage from accidents like paint spills and potholes, and understanding how neighborly mishaps, like childr…
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Disaster Strikes! Can Your Insurance Handle It?
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This episode of Insurance Hour with Karl Susman dives into real-life insurance challenges, offering advice and solutions for homeowners, renters, and drivers. The show covers various listener inquiries, including water damage claims, tree damage disputes between neighbors, rental car accidents, dog bite liabilities, and vandalism incidents. Karl em…
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Secrets Insurance Companies Don’t Want You to Know – Slash Your Premiums Today!
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In this episode of Insurance Hour, hosted by Karl Susman, the focus revolves around practical tips and strategies for lowering insurance costs. The episode kicks off with listener questions about managing high premiums for new drivers, including strategies like utilizing good student discounts and clarifying vehicle usage. Karl dives into the diffe…
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Is Your Home Really Covered? Discover the Hidden Gaps in Your Policy
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In this episode of Insurance Hour, host Karl Susman dives deep into the essentials of homeowners insurance. He explains various coverage types, including dwelling coverage, personal property, other structures, and liability insurance. Karl emphasizes the importance of understanding the nuances in these policies, such as the assumption that the home…
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The Collapse of California's Insurance Market: Are You Prepared? with guest AMY BACH
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In this episode of "Insurance Hour," host Karl Susman interviews Amy Bach, the executive director of United Policyholders, about the challenges facing the insurance market, particularly in California. They discuss the growing difficulty for consumers to obtain home insurance, driven by climate change, wildfire risks, and other factors like technolo…
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Why Your Insurance Claim Was Denied – And How to Fight Back!
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In this episode of Insurance Hour, hosted by Karl Susman, listeners submitted various insurance-related questions, which Karl answered in real-time. The episode covers common topics such as auto insurance premium increases, ride-sharing coverage, and handling claims for hit-and-run accidents. Additionally, Karl explains why claims might be denied, …
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Think Your Insurance Covers Everything? 5 Hidden Gaps That Could Ruin You!
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In this episode of Insurance Hour, Karl Susman tackles listener questions covering a wide range of insurance-related topics. The show starts by addressing the nuances of earthquake and flood insurance, explaining why standard homeowner's policies do not cover these perils. Other key discussions include auto insurance liability, renters insurance, u…
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Shocking Truth About Insurance You Never Knew! Expert Reveals Secrets - with guest Clebe Best
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In this episode of Insurance Hour, host Karl Susman interviews Clebe Best, Vice President of the Independent Insurance Agents and Brokers of Arizona (IIABAZ). They discuss the evolving landscape of insurance, focusing on the roles of independent agents, brokers, and how they differ from direct carriers. Key topics include the importance of transpar…
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Why Your Insurance Costs Are Skyrocketing — The Hidden Catastrophe Costs You Must Know
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This episode of Insurance Hour, hosted by Karl Susman, covered several critical topics affecting the insurance industry. The show started with a discussion about the impact of catastrophic events like hurricanes in Florida and wildfires in California, highlighting the challenge insurers face in pricing policies for regions with high-risk exposure. …
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California's Insurance Meltdown: Why Your Rates Are Skyrocketing!
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In this episode of Insurance Hour, host Karl Susman answers listener questions regarding various insurance-related topics, focusing on the California market. The episode covers a wide range of subjects, including workers' compensation in condo policies, non-renewals of homeowner's policies due to market changes, the rise in auto insurance premiums,…
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R.J. Lehmann - California’s Insurance Crisis: Prop 103, Wildfires, and the Future of Regulation
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In this episode of Insurance Hour, host Karl Susman interviews RJ Lehmann, Editor-in-Chief of the International Center for Law and Economics (ICLE). The conversation covers key issues surrounding California’s insurance market, focusing on Proposition 103, its impact on insurance regulation, and the controversial intervener system. Lehmann explains …
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Unpacking Insurance: From History to Homeownership – What You Need to Know!
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In this episode of Insurance Hour, Karl Susman dives into a range of insurance-related topics, focusing on educating listeners about the fundamentals of insurance. Karl begins by exploring the history of insurance, tracing its origins to the 14th century and the evolution of mutual agreements into modern commercial policies. He highlights how the i…
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Navigating California's Insurance Crisis: Hard Choices and Survival Strategies
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In this episode of "Insurance Hour," Karl Susman dives deep into the challenges facing the California insurance market, particularly focusing on the difficulties homeowners face in securing property insurance amidst the current market crisis. He explains how major insurers are pulling out of the state, leaving the California Fair Plan as the last r…
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Navigating California's Insurance Crisis: Prop 103 and the Road Ahead
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The latest episode of Insurance Hour, hosted by Karl Susman, dives into the current challenges facing the California insurance market. The show begins with a discussion on Proposition 103, a significant piece of legislation passed in 1988, and its long-term impacts on the insurance landscape. Karl explains how the historical reliance on Prop 103 ha…
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Behind the Scenes with a Claims Adjuster: Uncovering the Truth About Auto Insurance
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In this episode of Insurance Hour, host Karl Susman interviews Rachel Goldman, a former claims adjuster with a decade of experience in the insurance industry. Rachel shares insights into the role of a claims adjuster, detailing the complexities of handling auto insurance claims, the challenges of determining fault, and the impact of claims on insur…
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Your Top Insurance Questions Answered: Fire Safety, Non-Renewals, and CAT Models
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In this episode of "Insurance Hour," hosted by Karl Susman, the focus is on addressing common questions from Californians about various insurance topics. Karl discusses the importance of building homes with fire-resistant materials and the guidelines provided by the Safer from Wildfires organization. He explains the viability of the private home in…
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California’s Insurance Crisis: Insights from Triple-I with Janet Ruiz
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In this episode of "Insurance Hour," host Karl Susman interviews Janet Ruiz, the Director of Strategic Communications at the Insurance Information Institute (Triple-I). The conversation covers a broad range of topics related to the current state of the insurance market in California, particularly the challenges posed by Proposition 103 and the impa…
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AB2743: Insurance Limits for Car Sharing with Assemblywoman Blanca Pacheco
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In this episode of "Insurance Hour," host Karl Susman interviews Assemblywoman Blanca Pacheco about her new bill aimed at setting insurance limits for car-sharing services. The conversation delves into the nuances of liability insurance, consumer choices in purchasing policies, and the potential impact of the proposed legislation on car-sharing. Ka…
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Assemblyman Tom Lackey: An Exclusive Interview in Sacramento
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In this episode of "Insurance Hour," host Karl Susman takes the audience on a journey outside the studio to Sacramento, where he meets with elected officials to discuss various pressing issues related to the insurance industry. The episode features a special interview with Amanda, shedding light on significant legislative changes and their impact o…
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Unlocking Homeowner Savings: Senator Alvarado-Gil on California's Fair Plan
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In this episode of "Insurance Hour," host Karl Susman sits down with Senator Alvarado-Gil at her picturesque home to discuss the California Fair Plan and the new discounts available to homeowners. They delve into the significance of these discounts, how they impact residents living in wildfire-prone areas, and the broader implications for Californi…
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Navigating California's Insurance Challenges: From Wildfires to Cyber Threats
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In this episode of "Insurance Hour," host Karl Susman delves into critical issues affecting the California insurance market. The discussion includes the latest updates on regulatory changes, the impact of natural disasters on insurance policies, and the evolving landscape of cyber insurance. Karl also addresses listeners' questions, providing exper…
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Mastering California Insurance: Insights, Tips & Listener Q&A
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In this episode of Insurance Hour, host Karl Susman delves into the intricacies of the California insurance market. The show addresses pressing issues such as recent changes in insurance regulations, the impact of natural disasters on insurance premiums, and the rise of cyber insurance. Listeners call in with their questions, seeking advice on vari…
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Navigating California’s Insurance Crisis: Surplus Lines & Solutions with Benjamin McKay
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In this episode of "Insurance Hour," host Karl Susman dives into the complexities of the California insurance market with special guest Benjamin McKay, CEO and Executive Director of the Surplus Lines Association of California. The discussion covers the distinction between admitted and non-admitted (surplus lines) insurance, the challenges faced by …
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Revolutionizing California Insurance: Navigating New Regulations and Market Changes
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In this episode of Insurance Hour, host Karl Susman dives into the complexities of the California insurance market, focusing on the challenges and changes facing homeowners. He begins by addressing the difficulty Californians face in obtaining homeowners insurance due to the state's high-risk environment and lack of competition among insurance prov…
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Back to the Future! Proposition 103: Shaping California's Insurance Landscape
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In this episode of "Insurance Hour," host Karl Susman delves into the history and impact of Proposition 103 on California's insurance industry. He begins by setting the scene in the 1980s, discussing the economic and social climate that led to the creation of this landmark regulation. Susman explains the initial goals of Proposition 103, which incl…
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California's Insurance Overhaul: Navigating New Reforms and Consumer Protections
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In this episode of "Insurance Hour," host Karl Susman dives into the intricacies of a new trailer bill proposed by Governor Gavin Newsom, which aims to address the chaos in California's insurance industry. The bill is part of the Sustainable Insurance Strategy, designed to update outdated regulations and strengthen consumer protections. Karl discus…
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Unraveling Insurance: How Your Premiums Turn into Protection
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Show Summary In this episode of “Insurance Hour,” host Karl Susman delves into the intricacies of how insurance works, exploring the foundational concepts and modern practices of the industry. Karl discusses the importance of diversification, investment strategies, and reinsurance to ensure insurance companies have enough funds to cover claims. He …
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Navigating Legal Traps in Personal Injury Claims: Expert Tips from Dennis Beaver
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In this episode of "Insurance Hour," host Karl Susman sits down with Dennis Beaver, an experienced civil litigation attorney, to discuss the intersection of law and insurance. They delve into the common pitfalls consumers face when dealing with personal injury claims and the importance of selecting the right attorney. Beaver highlights the dangers …
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Clarifying Coverage: Navigating the Complexities of Insurance with Karl Susman
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In this episode of "Insurance Hour," host Karl Susman delves into a wide range of insurance-related topics through listener calls and emails. The show focuses primarily on common concerns and misconceptions about various types of insurance policies, including home, auto, and health insurance. Karl addresses specific listener questions about insuran…
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Securing Your Sanctuary: Revolutionizing Home Insurance with Faura.us CEO, Valkyrie Holmes
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In this episode of "Insurance Hour," host Karl Susman explores innovative insurance solutions with special guest Valkyrie Holmes, co-founder of Faura. Faura is a pioneering company that uses data analytics to help homeowners and insurance agencies mitigate risks associated with natural disasters like wildfires and hurricanes. The platform allows us…
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Steering Through Costs: Smart Ways to Reduce Your Auto Insurance Premiums
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In this engaging episode of "Insurance Hour," host Karl Susman focuses on demystifying auto insurance for Californians. He tackles common concerns and questions about why auto insurance rates continue to rise despite aging vehicles and increasing driving experience. Karl breaks down the impact of vehicle types, including EVs and SUVs, on insurance …
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Revolutionizing Insurance: Cody Eddings & SnapRefund's Tech Breakthroughs
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The episode focuses on the insurance technology sector, particularly on how financial technology can improve efficiencies in insurance transactions. The guest, Cody Eddings, co-founder of SnapRefund, discusses the origins and mission of his company, which aims to revolutionize insurance payouts and agency billing through two main products: ClaimSna…
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Navigating the Currents: Insurance Market Challenges w/ Deputy Insurance Commissioner MICHAEL SOLLER
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The episode primarily focuses on insurance-related challenges in California, featuring Karl Susman as the host and Michael Soller, Deputy Insurance Commissioner, as the guest. The discussion highlights the current state of the insurance market in California, particularly addressing the non-renewal of policies by major providers like State Farm, and…
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California's Insurance Crossroads: Navigating the Uncharted Waters of Coverage Crisis
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This episode of "Insurance Hour" with Karl Susman unpacks the tumultuous state of California's insurance industry, spotlighting the strategic withdrawal of major insurers and the mounting strain on the California Fair Plan Association. Amidst a backdrop of regulatory rigidity and climatic volatility, the episode articulates a critical juncture for …
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Unlocking the Mysteries of Insurance: Guidance and Insights for Californians
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In this episode of "The Insurance Hour," host Karl Susman delves into the complexities of insurance, aiming to demystify policies for Californians. The show covers a broad spectrum of insurance-related topics, including maximizing benefits, saving money, handling claims, and the nuances of interacting with agents, brokers, and insurance companies. …
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Insurance, ReInsurance & InsureTech (with guest Randel Bennett)
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The episode covers a discussion on the insurance industry between host Karl Susman and guest Randel Bennett. They analyze issues facing property and casualty insurance, focusing on rising reinsurance costs and reduced availability driving rate increases. Details are provided on reinsurance concepts and trends, including reduced capacity, requiremen…
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Governance Meets Insurance: Das Williams on Building Resilient Communities
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In this engaging episode of "The Insurance Hour," host Karl Susman welcomes Das Williams, the esteemed County Supervisor for the Santa Barbara area, for an in-depth discussion. The conversation covers a wide range of topics, from Das Williams' key initiatives and achievements in office to how local policies can impact insurance rates and community …
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Navigating the New Normal: Insurance Insights with Karl Susman
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In this episode of "The Insurance Hour," host Karl Susman delves into a variety of topics related to insurance, focusing primarily on educating Californians about navigating their insurance needs amidst changing weather patterns and rising costs due to inflation. The show covers the recent wildfires in Texas and their insurance implications, the im…
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Safeguarding Communities: The Intersection of Insurance and Firearm Safety
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The podcast episode titled "Insurance Hour" from March 1, 2024, features host Karl Susman discussing with special guest Senator Catherine Blakespear her newly introduced legislation, AB 3067, which aims to promote safe firearm storage by requiring insurance companies to inquire about gun ownership and storage practices from policyholders. The discu…
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This episode of "Insurance Hour" delves into the nuances of home insurance in California, highlighting the introduction of Assembly Bill No. 3067. This proposed legislation mandates additional questions for insurance applications, specifically concerning the existence and storage of firearms in homes. The show discusses the implications for insuran…
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Apple Vision Pro is changing the world... of Insurance - with guest Robert Scoble
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This episode of "Insurance Hour" from February 23, 2024, features a detailed discussion with Robert Scoble about the intersection of technology and insurance, particularly focusing on the implications of new tech, like Apple Vision Pro and Tesla's innovations, on insurance policies and claims. The conversation delves into the advancements in digita…
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This episode of "Insurance Hour" explores the concept of social inflation and its impact on insurance claims and premiums. It explains how cultural shifts in attitudes towards insurance claims contribute to higher payouts and, consequently, higher premiums. The episode suggests a societal need to reconsider our approach to insurance, emphasizing in…
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Insuring the Future: Navigating Social Inflation, Classic Cars, and More
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This episode of "Insurance Hour" hosted by Karl Susman on February 16, 2024, dives deep into the nuances of insurance, focusing on social inflation, classic car insurance, pet insurance, and advice for tech startups and mechanics regarding insurance needs. Karl explains social inflation as the rising costs of insurance claims driven by societal att…
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The "Insurance Hour" episode delves into the complexities of dealing with difficult claims adjusters, offering insights and advice for Californians navigating insurance policies. The show aims to demystify the insurance claims process, providing listeners with practical strategies to effectively communicate with adjusters, understand their rights, …
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"Stormproof Your Life: Navigating Insurance Claims in Extreme Weather" Insurance Hour 02-09-2024
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The "Insurance Hour" podcast episode from February 9, 2024, hosted by Karl Susman, covers essential tips and advice on managing insurance claims following severe weather events affecting both the West and East coasts of the United States. The show focuses on practical steps for policyholders to prepare for and respond to storms, including how to sa…
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This mini-episode Insurance Hour podcast delves into the notable uptick in auto insurance premiums, pinpointing reasons behind these surges like rising repair costs and increased claims. It explores regulatory challenges, particularly in California, where existing laws limit insurers' ability to price products based on comprehensive risk assessment…
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Insurance Insights: Navigating Coverage Queries with Karl Susman
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"Insurance Hour" hosted by Karl Susman is a dynamic and educational show aimed at demystifying insurance for Californians. In this episode, Karl focuses on answering listener and viewer questions, covering a wide range of topics from the necessity of keeping insurance on infrequently used vehicles, to the factors affecting car insurance rates, the …
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Saving Money on Auto Insurance: Navigating Rising Costs and Using Savings Strategies
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On this episode, the host, Karl Susman, covers various factors affecting auto insurance premiums, including age, driving experience, vehicle type, usage, driving record, and location. The episode emphasizes the rising costs of vehicle repair, increased accident frequency and severity, medical cost increases, distracted driving, legal and litigation…
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GET THAT JOB - Navigating the Insurance and HR Maze with Sindy Thomas
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This episode of INSURANCE HOUR titled "GET THAT JOB - Navigating the Insurance and HR Maze with Sindy Thomas" aired on January 19, 2024, and featured host Karl Susman. The show focused on insurance insights and included special guest Sindy Thomas from the Insiders Career Club. The episode explored the intersection of human resources and insurance, …
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