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


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?


Homeowners insurance will protect your property from a variety of risks and damages, but will it cover damages that result from natural...

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...

Victim Compensation Insurance Victim Compensation Insurance Victim Compensation Insurance 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 for their rentals but many consumers don't know whether this coverage is worth buying. This article...

Group Health Insurance for Small Business Owners Group Health Insurance for Small Business Owners Group Health Insurance for Small Business Owners 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 go through if you ever find yourself on the receiving end of a...

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...