David Hughes

David Hughes worked as a researcher and writer for two California litigation law firms between 1988 and 2005, and has worked on a freelance basis since then. His areas of expertise include personal injury litigation plaintiff and defense, medical malpractice plaintiff, contract law especially contracts of insurance, insurance bad faith litigation defense, insurance coverage opinion letters, administrative law defense . He also taught English in China and Azerbaijan for eight years and worked as a welder in shipyards in the San Francisco Bay Area for seven years. He is an outdoorsman and loves being in the mountains

Articles by David Hughes


An Overview of Insurance Deductibles An Overview of Insurance Deductibles An Overview of Insurance Deductibles An Overview of Insurance Deductibles


Just about everyone's heard of a deductible, but do you know how they work? Learn about different kinds of deductibles and how they affect...

How to Collect an Insurance Payment After a Hurricane How to Collect an Insurance Payment After a Hurricane How to Collect an Insurance Payment After a Hurricane How to Collect an Insurance Payment After a Hurricane


Getting back to normal after a hurricane can be a challenge. But it will be a lot easier if you have the right coverage in place and know...

Bad Insurance Advice You've Probably Received at Some Point Bad Insurance Advice You've Probably Received at Some Point Bad Insurance Advice You've Probably Received at Some Point Bad Insurance Advice You've Probably Received at Some Point


It seems like everyone has insurance advice to offer, but how do you sort through it? We cut through the noise and give you the facts.

How Annuities Can Help You Plan the Rest of Your Life How Annuities Can Help You Plan the Rest of Your Life How Annuities Can Help You Plan the Rest of Your Life How Annuities Can Help You Plan the Rest of Your Life


Annuities can be a good vehicle for retirement income, but they are complex. Learn the basics here.

Why You Need a Lot of Liability Coverage - Even if You're Law Abiding Why You Need a Lot of Liability Coverage - Even if You're Law Abiding Why You Need a Lot of Liability Coverage - Even if You're Law Abiding Why You Need a Lot of Liability Coverage - Even if You're Law Abiding


Liability insurance comes into play when you get sued, so do you need it if you always follow the law? Yes, you do, and lots of it. Find...

Do You Need Insurance When Keeping Your Stuff in a Storage Unit? Do You Need Insurance When Keeping Your Stuff in a Storage Unit? Do You Need Insurance When Keeping Your Stuff in a Storage Unit? Do You Need Insurance When Keeping Your Stuff in a Storage Unit?


If you're renting a storage unit, have you made sure the goods stored in it are insured? Find out how to make sure you've got the right...

Umbrella Insurance for Businesses: Is It Necessary? Umbrella Insurance for Businesses: Is It Necessary? Umbrella Insurance for Businesses: Is It Necessary? Umbrella Insurance for Businesses: Is It Necessary?


You've got all your basic forms of commercial insurance, but are you missing something important? Find out how you can benefit from...

Making Money Through a Ridesharing Service? Here's What You Need to Know About Your Insurance Making Money Through a Ridesharing Service? Here's What You Need to Know About Your Insurance Making Money Through a Ridesharing Service? Here's What You Need to Know About Your Insurance Making Money Through a Ridesharing Service? Here's What You Need to Know About Your Insurance


Whether ridesharing is a side-hustle or your main source of income, you need to make sure you've got adequate insurance protection.

Home Renovations: When Do They Make a Difference for Your Insurance? Home Renovations: When Do They Make a Difference for Your Insurance? Home Renovations: When Do They Make a Difference for Your Insurance? Home Renovations: When Do They Make a Difference for Your Insurance?


Home renovations can affect your insurance and even involve taking out new policies. Find out what you need to know before plugging in the...

Insurance Options for Your Vintage Car Insurance Options for Your Vintage Car Insurance Options for Your Vintage Car Insurance Options for Your Vintage Car


You put a lot of care into maintaining your vintage or classic car, so it makes sense to insure it properly. Learn about the special...

How to File a Claim that Gets Paid Sooner How to File a Claim that Gets Paid Sooner How to File a Claim that Gets Paid Sooner How to File a Claim that Gets Paid Sooner


No one wants to wait longer than needed for an insurance payout. Find out what steps you can take to get your claim paid sooner.

The Seas Are Rising - Do You Need Flood Insurance? The Seas Are Rising - Do You Need Flood Insurance? The Seas Are Rising - Do You Need Flood Insurance? The Seas Are Rising - Do You Need Flood Insurance?


Even homes in-land are at risk of flooding. Learn about flood insurance and what you need to know before buying a policy.

Expatriate Insurance or Travel Insurance: Which Is Right for Your Long-Term Trip Abroad? Expatriate Insurance or Travel Insurance: Which Is Right for Your Long-Term Trip Abroad? Expatriate Insurance or Travel Insurance: Which Is Right for Your Long-Term Trip Abroad? Expatriate Insurance or Travel Insurance: Which Is Right for Your Long-Term Trip Abroad?


Find out what kind of insurance policy is right for your long-term stay abroad.

Homeowner's Insurance in the Wildland-Urban Interface Homeowner's Insurance in the Wildland-Urban Interface Homeowner's Insurance in the Wildland-Urban Interface Homeowner's Insurance in the Wildland-Urban Interface


Wildland-urban interfaces are beautiful locations to reside in, but they pose special risks and insurance challenges for homeowners.

An Introduction to Cyber Insurance for Businesses An Introduction to Cyber Insurance for Businesses An Introduction to Cyber Insurance for Businesses An Introduction to Cyber Insurance for Businesses


If you own a business, there is no way to make the confidential information you store and process on your computers entirely safe from...

Boat and Watercraft Insurance: The Basics Boat and Watercraft Insurance: The Basics Boat and Watercraft Insurance: The Basics Boat and Watercraft Insurance: The Basics


If you own a small boat, you likely need an insurance policy to cover it. Find out why you should get coverage for your boat and what you...

An Overview of Commercial Group Life and Health Plans An Overview of Commercial Group Life and Health Plans An Overview of Commercial Group Life and Health Plans An Overview of Commercial Group Life and Health Plans


Choosing the right commercial group life or health insurance plan can be a challenge for small business owners. This overview of the most...

Condo Insurance 101 Condo Insurance 101 Condo Insurance 101 Condo Insurance 101


Condominium insurance provides specially designed protection when a homeowners or renters insurance policy wouldn't quite do. Learn more...

A Look at Burial Insurance A Look at Burial Insurance A Look at Burial Insurance A Look at Burial Insurance


Burial insurance is designed to cover your final expenses, but does it make sense for everyone? This article covers the various burial...

You're Moving! Here's Why You Need Insurance You're Moving! Here's Why You Need Insurance You're Moving! Here's Why You Need Insurance You're Moving! Here's Why You Need Insurance


Many people insure their possessions for damage or loss, but are they also insured during a move? Learn about moving insurance and when you...

An Intro to Workers' Compensation An Intro to Workers' Compensation An Intro to Workers' Compensation An Intro to Workers' Compensation


Most employees who suffer a work-related injury are entitled to workers' compensation benefits. Read this primer to find out what kind of...

Back to the Basics: The Key Components of Your Home Insurance Policy Back to the Basics: The Key Components of Your Home Insurance Policy Back to the Basics: The Key Components of Your Home Insurance Policy Back to the Basics: The Key Components of Your Home Insurance Policy


If you are buying a home, you'll need homeowners insurance. Don't know where to start? Read this article to learn how to read and...

Back to the Basics: The Key Components of Your Auto Insurance Policy Back to the Basics: The Key Components of Your Auto Insurance Policy Back to the Basics: The Key Components of Your Auto Insurance Policy Back to the Basics: The Key Components of Your Auto Insurance Policy


When looking for the car insurance coverage, it pays to know the key components of an auto insurance policy. Learn the basics here, along...

The Ultimate Guide to Auto Insurance The Ultimate Guide to Auto Insurance The Ultimate Guide to Auto Insurance The Ultimate Guide to Auto Insurance


Need to know something about auto insurance? Consult this comprehensive guide to learn about additional coverage, how to get affordable...

What Is an Insurance Broker? What Is an Insurance Broker? What Is an Insurance Broker? What Is an Insurance Broker?


The first decision you have to make when shopping for insurance is whether to work with an insurance broker. Learn more about what a broker...

College Dorm Insurance College Dorm Insurance College Dorm Insurance College Dorm Insurance


A child heading off to college is a momentous and emotional occasion, and most parents don't stop and wonder whether their child's...

Does Homeowners Insurance Cover Natural Disasters? Does Homeowners Insurance Cover Natural Disasters? Does Homeowners Insurance Cover Natural Disasters? Does Homeowners Insurance Cover Natural Disasters?


Will homeowners insurance cover damages that result from natural disasters? Find out whether it is and how to extend your coverage.

An Intro to Insurance Sublimits An Intro to Insurance Sublimits An Intro to Insurance Sublimits An Intro to Insurance Sublimits


Some items you own may not be covered for the full amount listed on your insurance policy. Find out how insurance sublimits affect your...

Are You Eligible for Victim Compensation Insurance? Are You Eligible for Victim Compensation Insurance? Are You Eligible for Victim Compensation Insurance? Are You Eligible for Victim Compensation Insurance?


Did you know that state governments will compensate victims of a crime for their losses? Learn about who is eligible for victim...

Is Rental Car Insurance Worth It? Is Rental Car Insurance Worth It? Is Rental Car Insurance Worth It? Is Rental Car Insurance Worth It?


Rental car companies offer insurance but are they worth buying? We go over the basics to help you make an informed decision the next time...

A Guide to Group Health Insurance for Small Business Owners A Guide to Group Health Insurance for Small Business Owners A Guide to Group Health Insurance for Small Business Owners A Guide to Group Health Insurance for Small Business Owners


If you are self-employed or own a small business, group health insurance plans might be right for you. Learn the basics of group health...

How to Write a Demand Letter for an Insurance Company How to Write a Demand Letter for an Insurance Company How to Write a Demand Letter for an Insurance Company How to Write a Demand Letter for an Insurance Company


If you have suffered damages, you might be required to submit a demand letter to an insurance company. Here are basic guidelines that will...

Pet Health Insurance: What Every Pet Owner Should Consider Pet Health Insurance: What Every Pet Owner Should Consider Pet Health Insurance: What Every Pet Owner Should Consider Pet Health Insurance: What Every Pet Owner Should Consider


Do you have a pet? Then you may want to consider an insurance policy to avoid having to pay hefty vet bills. Learn more about pet health...

Strange Insurance You Probably Don't Need - But It's There if You Do! Strange Insurance You Probably Don't Need - But It's There if You Do! Strange Insurance You Probably Don't Need - But It's There if You Do! Strange Insurance You Probably Don't Need - But It's There if You Do!


Ever hear of alien abduction insurance? Learn more about it and other strange but real insurance policies.

Insurance and Lawsuits: What Happens When You Are Sued Insurance and Lawsuits: What Happens When You Are Sued Insurance and Lawsuits: What Happens When You Are Sued Insurance and Lawsuits: What Happens When You Are Sued


Ever wonder what happens when you are sued? Find out, step by step, what you will go through if you ever find yourself on the receiving end...

Why You Need Disability Insurance Why You Need Disability Insurance Why You Need Disability Insurance Why You Need Disability Insurance


The best time to buy disability insurance is when you're young and healthy. Find out what to consider when buying a disability insurance...

Auto Liability Insurance: How Much Is Enough? Auto Liability Insurance: How Much Is Enough? Auto Liability Insurance: How Much Is Enough? Auto Liability Insurance: How Much Is Enough?


Auto liability insurance protects you in the event of injury in a car accident. Read this article to understand what is covered and how...

6 Reasons You Need Renter’s Insurance 6 Reasons You Need Renter’s Insurance 6 Reasons You Need Renter’s Insurance 6 Reasons You Need Renter’s Insurance


You might think that renting your place and not owning much means that you don't need insurance. Think again! Here are six reasons you...