Insurance Resources
Consumer Federation of America:
Good Drivers Pay More for Basic Auto Insurance If They Rent Rather Than Own Their Home
February 8, 2016 
Around the Nation, Most Major Auto Insurers Penalize Renters Despite Perfect Driving Records
ERISA Reimbursement Proceeds: Where does the Money Go? By Roger M. Baron & Delia M. Druley.  (Orginally published in Minnesota Trial, Spring, 2010, Vol. 35 No. 2. Reprinted with permission of the Minnesota Association for Justice.) 
In a recent decision, the Supreme Court recognized that insurance companies have a conflict of interest in administering ERISA plans. Metropolitan Life Ins. Co. v. Glenn, 128 S. Ct. 2343, 2345. (2008)... Access Article.

Healthcare for America Now: Health Insurers Break Profit Records as 2.7 Million Americans Lose Coverage, Feb 2010. "The five largest U.S. health insurance companies sailed through the worst economic downturn since the Great Depression to set new industry profit records in 2009, a feat accomplished by leaving behind 2.7 million Americans who had been in private health plans. For customers who kept their benefits, the insurers raised rates and cost- sharing, and cut the share of premiums spent on medical care.  Executives and shareholders of the five biggest for-profit health insurers, UnitedHealth Group Inc., WellPoint Inc., Aetna Inc., Humana Inc., and Cigna Corp., enjoyed combined profit of $12.2 billion in 2009, up 56 percent from the previous year. It was the best year ever for Big Insurance."  Full Report

"Appropriate Equitable Relief" in Wal-Mart v. Shank: Justice for Whom?, Andrew H. Koslow, Boston College Law School. This article examines the tension between the relevant ERISA provision and reimbursement clauses found in health plan enrollment contracts, and suggests that the courts’ interpretation of the meaning of section 502, as well as the purpose of ERISA as it applies to this and similar cases, is flawed.  Learn More.
AAJ Report:  Top Ten Worst Insurance Companies in America 2009. "To identify the worst insurance companies for consumers,researchers at the American Association for Justice (AAJ) undertook a comprehensive investigation of thousands of court documents, SEC and FBI records, state insurance department investigations and complaints, news accounts from across the country, and the testimony and depositions of former insurance agents and adjusters. Our final list includes companies across a range of different insurance fields, including homeowners and auto insurers,health insurers, life insurers, and disability insurers."  Full Report.
American Association of Justice Report 2008: Tricks of the Trade: How Insurance Companies Deny, Delay, Confuse and Refuse.  "This report describes some of the most egregious ways the insurance industry attempts to make money at the expense of consumers." Full Report.

Texas Watch: Paying More for Less - A Brief History of Homeowners' Insurance Rates 2001-06. "Despite the political rhetoric from lawmakers, regulators, and industry lobbyists, Texas homeowners have been suffering for years from a continuing crisis in our insurance market: Rates remain too high, insurance providers continue to use unfair underwriting practices, and Texans are left with insurance policies that do not provide the protection and security they need." Learn More.

Compensation by Computer (Colossus) By Christine Cobb, TRIAL April 2005. "Colossus is a sophisticated program created for insurance companies to manage the costs of small to moderate auto claims and to lower their "loss ratios"—that is, the amount of money paid out in personal injury claims compared to the amount of premiums collected." Read more. (Posted with permission of TRIAL, Copyright The Association of Trial Lawyers of America)


  • Texans Highest in Uninsured - Lowest in Health care System Performance
  • 49th out of 50 states and the District of Columbia for the overall performance of its health care system.
  • Last in the percentage of its residents covered by health insurance.
  • No. 2 state in the number of people without insurance: 5.5 million.
  • No. 1 state with the fastest-growing illegal immigrant population between 2000 and 2006.

SOURCES: The Commonwealth Fund; U.S. Census Bureau; U.S. Department of Homeland Security