David Hughes
Writer/Researcher
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.
Familiarize yourself with these steps so that you don't forget something important when you're involved in a serious car collision.
People smoke marijuana, it's no secret. And clearly some of them will be adults who are interested in buying life insurance policies — but how will marijuana use affect...
Find out when parents and guardians can be held liable for actions committed by their children.
If your business holds any items for customers, your ordinary business insurance might not give you the protection you need. Find out whether you need bailee's liability...
Veterans and active duty servicemembers have insurance perks not available to others. Find out what they are.
Wearable tech will affect your health insurance, auto insurance, and how you file a claim. Read this article to find out how.
Life insurance is often promoted as a replacement for lost income, but is it worth buying for spouses who don't bring in a salary? Learn about it here.
Burning wood indoors is inherently risky. Find out how to reduce the risk of fire and keep your home insurance costs down.
If you're shipping internationally, you might need air and sea cargo insurance. Find out how it works and when you should buy it.
Has your insurance company denied your claim or paid you less than you're owed? Find out what steps you need to take to get the settlement you deserve.
Goods you ship are insured under your carriers liability insurance. But is it enough? Learn about freight insurance and when it makes sense to buy it.
Running a hospitality business means taking on additional risks. Find out what kind of insurance coverage you'll need to keep your business protected and profitable.
Life insurance payouts can be substantial. Do they affect your taxes? Read this to find out.
If you've been offered a loan insurance policy, should you buy it? Find out when it makes sense and when it doesn't.
Many professionals need professional liability insurance even if it's not legally required. Learn more about these policies and how to find the right one.
Insuring a food truck is a bit more complicated than buying insurance for a pick-up or a van. Find out what kind of protection you'll need.
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 your coverage.
You've got all your basic forms of commercial insurance, but are you missing something important? Find out how you can benefit from umbrella insurance.
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.
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 coverage.
Will homeowners insurance cover damages that result from natural disasters? Find out whether it is and how to extend your coverage.
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 how to get the most out of it.
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 out why.
Annuities can be a good vehicle for retirement income, but they are complex. Learn the basics here.
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 coverage you'll need.
Home renovations can affect your insurance and even involve taking out new policies. Find out what you need to know before plugging in the power tools.
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.
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 you rent a car.
Did you know that state governments will compensate victims of a crime for their losses? Learn about who is eligible for victim compensation insurance and what can be...
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 insurance for small businesses...
If you have suffered damages, you might be required to submit a demand letter to an insurance company. Here are basic guidelines that will help you write an effective...
Ever hear of alien abduction insurance? Learn more about it and other strange but real insurance policies.
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 of a lawsuit.
Even homes in-land are at risk of flooding. Learn about flood insurance and what you need to know before buying a policy.
Find out what kind of insurance policy is right for your long-term stay abroad.
Wildland-urban interfaces are beautiful locations to reside in, but they pose special risks and insurance challenges for homeowners.
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 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 policy.
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 should get renter's insurance...
If you own a business, there is no way to make the confidential information you store and process on your computers entirely safe from cyber attacks. Cyber insurance...
Some items you own may not be covered for the full amount listed on your insurance policy. Find out how insurance sublimits affect your coverage.
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 need to know when shopping for...
Choosing the right commercial group life or health insurance plan can be a challenge for small business owners. This overview of the most common group benefit options...
Auto liability insurance protects you in the event of injury in a car accident. Read this article to understand what is covered and how much insurance you need.
Condominium insurance provides specially designed protection when a homeowners or renters insurance policy wouldn't quite do. Learn more about it here.
Burial insurance is designed to cover your final expenses, but does it make sense for everyone? This article covers the various burial insurance options and who should...
Many people insure their possessions for damage or loss, but are they also insured during a move? Learn about moving insurance and when you should purchase it.
Most employees who suffer a work-related injury are entitled to workers' compensation benefits. Read this primer to find out what kind of injuries are compensable, what...
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 understand a home insurance policy, and...
When looking for the car insurance coverage, it pays to know the key components of an auto insurance policy. Learn the basics here, along with advice on what kind of...
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 does, how they differ from...
Need to know something about auto insurance? Consult this comprehensive guide to learn about additional coverage, how to get affordable rates, and more.
A child heading off to college is a momentous and emotional occasion, and most parents don't stop and wonder whether their child's belongings will be sufficiently...
