http://www.pakmoring.com Pak and Moring Law Firm Mon, 08 Feb 2010 18:39:24 +0000 http://backend.userland.com/rss092 en 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 ... http://www.pakmoring.com/fha-rules-regarding-90-day-hold-on-properties SB 1271 - Arizona Anti-Deficiency Law Repealed.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. Expect lenders to be a little bit more favorable ... http://www.pakmoring.com/sb-1271-arizona-anti-deficiency-law-repealed State of Arizona’s Minimum Coverage: What Does It Entail?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 ... http://www.pakmoring.com/blog_minimum_coverage 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 ... http://www.pakmoring.com/blog_comprehensive_insurance 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 ... http://www.pakmoring.com/blog_passanger_insurance 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 ... http://www.pakmoring.com/blog_additional_insurance 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 ... http://www.pakmoring.com/blog_third_party_coverage 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, ... http://www.pakmoring.com/blog_inurance_right_one Personal Injury: If you Lack Health Insurance and go to a Medical Provider who Demands No Payment Up-Front When you get into a car accident and do not have health insurance, an effective way to seek treatment and pay no up-front costs is to go to a chiropractor or physical therapist ... http://www.pakmoring.com/blog_pi_no_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 ... http://www.pakmoring.com/blog_pi_no_insurance