Car Insurance

An independent research report on when a car accident stops affecting your insurance — covering the C.L.U.E. and A-PLUS seven-year FCRA retention limit under 15 U.S.C. § 1681c, adverse action notice rights and Safeco Ins. Co. of America v. Burr, the three-to-five-year carrier surcharge lookback window, not-at-fault protections in Oklahoma and Delaware, state surcharge statutes in New York, Pennsylvania, Massachusetts, California, and North Carolina, SR-22/FR-44 high-risk filings, and the accident-forgiveness illusion.

An independent research report on auto insurance billing — six-month vs. twelve-month policy terms, the paid-in-full discount and California's ban on it, $2-$8 installment fees and the NY DFS ruling that they are not "interest," premium finance agreements as real loans under TILA, EFTA/Regulation E automatic-payment protections, and pro-rata vs. short-rate cancellation refund rules by state.

Research on the criminal consequences of driving uninsured — the infraction-versus-misdemeanor split across state vehicle codes, Michigan MCL § 500.3102, Colorado C.R.S. § 42-4-1409, Maryland Transportation § 17-107, Texas Transp. Code § 601.191, the fix-it-ticket dismissal window, the SR-22/SR-26 continuous-monitoring mechanism, insurance-fraud felony statutes in Nebraska and Pennsylvania, Michigan mini-tort forfeiture, and the "No Pay, No Play" damages caps in Louisiana and New York Insurance Law § 5104(d).