New FHA Rules Regarding 90 Day Hold on Properties
You may have heard that HUD recently relaxed, under certain circumstances, the requirement that a seller hold a property for 90 days before selling to an FHA buyer. This so-called “Flipper” rule is designed to protect buyers, but HUD has found that in certain circumstances this requirement [...]

SB 1271 - Arizona Anti-Deficiency Law Repealed.
On September 4, 2009, at approximately 1:20pm, Governor Brewer signed HB 2008 which repeals SB 1271 and its changes to the Arizona anti-deficiency statute.  For now, Arizona’s Anti-Deficiency Statute will remain in favor of Arizona homeowners.

State of Arizona’s Minimum Coverage: What Does It Entail?
Car insurance companies in Arizona are required to offer a basic state-mandated policy, in order to provider coverage in case of injuries from accidents. Although it follows that the more coverage you purchase, the better you’re protected from financial risks, the state requires only that you [...]

Comprehensive Insurance: Are You Fully Covered
Comprehensive coverage includes protection from the consequences of fire and theft, as well as vandalism, lightening, flooding, and other external factors outside of your control.  Comprehensive insurance is effective if you want maximum protection for your vehicle, especially if your vehicle is newer. Likewise, if you obtained a loan to purchase your vehicle, comprehensive insurance is generally [...]

Personal Injury: Passengers in Uninsured Cars and Negligence on Behalf of the Driver
If you are a passenger with coverage but the car you are riding in doesn’t have insurance when are involved in an accident
In most circumstances your personal automobile insurance may apply. As a passenger who is not responsible for the accident, you are [...]

Additional Types of Car Insurance
MedPay – Medical Payments benefits (or “MedPay”) provide an added layer of coverage within an auto insurance policy. In some states MedPay is known as personal injury protection, or “PIP” coverage. MedPay provides payment for necessary and reasonable medical expenses incurred as the result of a car accident. This coverage [...]

State-Mandated Third Party Liability Coverage
Arizona Law mandates the purchase of liability insurance to cover bodily injury and property damages that you may cause in an accident. The minimum liability insurance required is 15/30/10.  This means that your liability insurance will cover bodily injury claims up to a maximum of $15,000 per [...]

Do You Have The Right Insurance Coverage and Is It Enough?
If you are an Arizona driver and cause an automobile accident, you will likely be responsible for damages to the other people involved. A claim may be made or a lawsuit filed against you for these losses.If you have insurance, you will have protection up [...]

Personal Injury: If you Lack Health Insurance and go to a Medical Provider who Demands No Payment Up-Front

Personal Injury: If you Lack Health Insurance and Pay out of Pocket for All Treatment
If you are hurt in a automobile accident, need medical attention, and are paying for all of your medical expenses out-of-pocket, then the claims process is rather straightforward. The first step is always to seek treatment and recover from your injuries. [...]