I remember standing in a damp garage back in ’94, looking at a pristine 1967 Jaguar E-Type that had been …
The Courtesy Car That Is Not Free
I remember standing in a rain-soaked driveway back in ’94, looking at a driver who was absolutely livid because his …
Where Professional Claims Actually Come From
I remember standing in a cramped, paper-strewn office back in ’94, watching a solicitor realize that the “expert” advice he’d …
Why the First Year Costs So Much
I spent thirty-seven years walking through the wreckage of claims, and if there is one thing that gets my goat, …
Liability Caps and Where They Fail
I spent thirty-seven years standing in the middle of flooded basements and charred living rooms, listening to people explain why …
The Complete Guide to Public Liability
I remember standing in a half-finished commercial kitchen back in ’94, the smell of damp drywall and sawdust thick in …
Cancelling and What You Get Back
I once sat in a damp living room in Surrey, looking at a family who had “cancelled” their old home …
How Insurers Decide Who Was at Fault
I remember standing in a half-flooded basement in Surrey back in ’94, the smell of damp drywall and old carpet …
The Indemnity Clause Your Insurer Never Saw
I remember standing in a half-flooded warehouse back in ’94, the smell of damp drywall thick in the air, listening …
Fronting Is Fraud, Not a Loophole
I remember sitting in a cramped driveway in a drizzly suburb back in ’94, looking at a crumpled claim form …