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Urban Insurance Agency has been helping customers save money on their car insurance since 1961. We represent sixteen different companies In order to find you the lowest price on your Auto Insurance. After 45 years we have learned all of the information needed to save you money while making sure you have just the right coverage. We have agents waiting for your call or email. We feature SR22 filings at the lowest rates in Chicago.

Electronic SR22 Filing program

Wednesday, March 7th, 2007
By Larry Lubell

SR 22 and SR26Urban Insurance Agency represents several Auto Insurers that provide Electronic SR22 filing of Financial Responsibility forms with the State of Illinois. By using the Electronic SR22 filing program, the filing is entered directly into the state database, eliminating the traditional delays involved with the manual entering of the filing. This is a service we can provide on behalf of our policyholders.The following states are using the electronic SR22 SR26 data exchange application:Colorado, Idaho, Illinois, Missouri, Nebraska, Washington, Wisconsin, WyomingElectronic SR22 filings bring many advantages including: * An end to waiting in line at over crowded DMV offices.* No more waiting for your SR-22 to be manually processed at the Secretary of State’s office.* An end to the 15 day advanced notice you must give to the State when renewing your insurance.* Real-time confirmation that the filing has be accepted.
Call us today at (800) 680-0707
or Fill out the request form for and we will provide you with a quote to get your insurance started. Get a free quote..

State Farm States No New Policies in MississippiWednesday

February 14th, 2007
By Larry Lubell
Urban Insurance Blog ________________________________________

State Farm Insurance Company anounced that it. is suspending sales of any new commercial or homeowner policies in Mississippi starting Friday. A company official said that the wave of litigation it has faced since Hurricane Katrina, was the main reason. Mississippi’s “current legal and political environment is simply untenable. We’re just not in a position to accept any additional risk in this homeowners’ market.” said Mike Fernandez, vice president of public affairs for State Farm State Farm has argued that their homeowner policies were worded to cover damage from wind but not from water - even if hurricane-force winds were the cause of the rising water. They also state that their policies exclude damage that could have been caused by a combination of both wind and water. Hundreds of State Farm policyholders have challenged that claim, saying they were “Sold” Hurricane policies and storm surge is a part of a hurricane, and they are therefore entitled to Compensation. In the case of Norman and Genevieve Broussard VS State Farm a jury awarded the Broussard’s $2.5 million in punitive damages against State Farm for refusing to cover Hurricane Katrina storm surge damage to their Biloxi home. U.S. District Judge L.T. Senter Jr. later reduced the award to $1 million, even though the judge found that State Farm acted in a “grossly negligent way” by denying the claim filed by policyholders.
Last month Attorney General Jim Hood reached a settlement with State Farm requiring them to pay about $80 million to more than 600 policyholders who sued the company for refusing to cover damage caused by Katrina. Judge Senter later refused to sign off on part of the agreement, a deal between State Farm and Mississippi

Urban Insurance is offering homeowners insurance in several states, including Illinois and Indiana.For quote on Homeoweners, auto, life or any other insurance coverage,
please call us at 800-680-0707
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Punitive Damages Awarded in Katrina Case

Saturday, January 13th, 2007

Larry Lubell

Thursday, a jury on awarded $2.5 million in punitive damages to Norman and Genevieve Broussard a couple who sued State Farm Fire & Casualty Co. for denying their claim after Hurricane Katrina. This decision could assist hundreds of other homeowners in their attempts to force insurers to cover billions of dollars in storm damage. U.S. District Judge L.T. Senter’s earlier rulings in other Katrina cases have favored the insurance industry, but this decision goes to the heart of the objection companies have use to refuse to cover billions of dollars in damage from Katrina’s storm surge. After he explained his ruling, Senter ordered a recess to give attorneys time “to get over the shock.” After the jury announced its award, the Broussards left the courthouse arm in arm. “It’s a great day for South Mississippi,” Norman Broussard said.
The Broussards claimed that a tornado during the hurricane destroyed their home. State Farm blamed all the damage on Katrina’s storm surge.
State Farm and other insurers say their homeowner policies are written to cover damage from wind but not from water. That flooding and storm surge are excluded as part of homeowners policy even though those policies were sold as covering Hurricanes, even if hurricane-force winds preceded a storm’s rising water. In fact, after State Farm and other companies writing property insurance in Florida, suffered catastrophic losses after Hurricane Andrew, they dramatically altered the terms of their polices. In addition to increasing deductibles, they divided up the destructive force of a hurricane into two parts. One is wind, which is covered, and second is the water surge, which is not. It is for this reason that immediately after Katrina you heard Insurance companies talking about the “Great Flood of 2005.” Flood insurance is offered on a separate policy. Property coverage can be tricky, since there are often exclusions that might not always seem obvious or intuitive. It is always a good idea to review your coverage with an insurance professional.
The judge ruled that State Farm couldn’t prove that Katrina’s storm surge was responsible for all of the damage to the Broussards’ home. The judge also said the testimony failed to establish how much damage was caused by wind and how much resulted from storm surge.
State Farm spokesman Phil Supple said after the jury’s verdict that the company is likely to appeal the decision. “We are surprised and disappointed by both the judge’s ruling on the coverage issues and the amount awarded by the jury for punitive damages,” he said in a written statement. “We believe the expert testimony supported a different result.”

Property coverage can be tricky, since there are often exclusions that might not always seem obvious or intuitive. It is always a good idea to review your coverage with an insurance professional.

Call us at 800-680-0707 for a free review.
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