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INSIDE: What Not To Say To Your Insurance Company, Discretionary Clauses Heading For Dinosaur Status, Roadmap to Recovery™ “Graduates” Return Home, Partnering to Promote Preparedness, Promoting Readiness for the “Big One”, Bach Talk, New Board Member Jim Jones, Thanks To Our Sponsors, Well Adjusted: Masood Khan, Company Adjusters Hear From UP, Book Reviews, New in the UP Library, Amicus Project Update, Volunteer of the Month: Kim Card, The Problem Corner, Scoop on Health Care Reform, CA Refuses Watered-Down NAIC Climate Change Survey

INSIDE: Hurricane Claim Justice in Mississippi, Honoring Help, Pain and Progress, Experts on Preparedness, Working With Fire Safe Councils, Buy Your Safety Supplies at 10% Off and Support UP, What To Look For When Buying Health Insurance, San Diego Foundation Funds Wildfire Data Gathering, Expert Financial Advice on Timely Topics, Introducing "Well Adjusted", In Memoriam, Everything You Always Wanted To Know About Disability Offsets, Legal Advocacy News, 135 Volunteers and Counting: UP Disaster Survivor Support Program Expands, Bach Talk, Volunteer Spotlight, UP Hosts Policyholder Attorney Networking Party, Thanks To Our Sponsors

INSIDE: Wildfire Recovery Support, The Outrage of Offsets, Another Amicus Victory, Book Review: Polarizing the Case, by Rick Friedman, On the Road(map) to Preparedness, No Time Like Drought Time To Clear Brush, Bach Talk, Board Update, Volunteer Spotlight

INSIDE: Medicare Advantage–Whose Advantage, U.S. Supreme Court, UP draws media attention, Five steps to protect your home, New York News, Tips for Teen Drivers, Amicus Update, Book Review, Webcast, Inadequate Home Coverage, Know Thy Adjuster Know Thy Rights, Bach Talk

INSIDE: Got title?, Policyholders Pushing Back, Donors Fund Guidebooks, Save a Tree – Online UP, New York News, Mentors “Pay It Forward” 4, State Farm Agent Weighs In, UP in the News, At the Table with Regulators, Thanks to Our Sponsors, Heroine in LA., Policyholders Win 3, Rockefeller Grant, Chief Justice (Ret.) Joins Board, Amicus Update, The UP Amicus Team, Hi Deductible Health Plans, Raising Deductibles, Claim Negotiating Tips

INSIDE: Hot Off The Presses, Chevron-UP Katrina Help, New UP resources, Realtor Joins UP Board, Disability Insurance UPdate, UP’s Dynamic Duo, Disaster Survival Kit, “Appraisal 101”, Hurricane Amici, Senior Alert, UP Meets with LA Insurance Dept., Glad to Help, Car Accident Claim Tips, Amicus Project Update, Overlooked Coverage, Read ‘em and Learn, Ro Sham Bo with ol’ Wasau

INSIDE: Bach Talk, Insuring a Rental Car, Shernoff re-joins UP Board, Should you buy EQ insurance?, Coverage for landslide damage, Grant funds new info on Long Term Care Insurance, Flex your buying power, Grant from CJF aids UP work, Underinsurance UPdate, AZ recovery UPdate, Networking fundraiser a success, New info re: UnumProvident, Book Reviews, Amicus Project Update

INSIDE: Bach Talk, Underinsurance Crisis, Broker Fee Scandal, Highlights of 2004, Underinsurance Tips, Amicus Update, Quakes Test CEA, CA Legislative UPdate, Redding, CA UPdate, Arizona UPdate, Disability Claims UPdate, Mediating Claims, UNUM/Provident Info, To Claim or Not to Claim, Medigap Maze, What IS UP?, UP Reader Survey

INSIDE: Bach Talk, Fire Recovery Aid in SoCal and AZ, UP Launches Forum for Fire Survivors, To Claim or Not to Claim..., Disability Insurance Update, UP Cuts UNUM Info Prices by 50%, Underinsurance Rears Its Head Again, UP Networking Reception a Success, Networking Reception Photos, Disaster Area Non-Renewals and Hikes, CA Enacts New Ins. Protections, AMICUS Project Update, CEA Consumer Ed Campaign, ACI Tuition Break for UP Members, Policyholders Friend in the NAIC, UP Moves to Stop Allstate.

INSIDE: Bach Talk, US Supreme Court Bows to the Big Boys, High Refi T.I. Won't Fly, Get a CLUE, UP Hosts Networking Party, Campbell in Perspective, Disability Insurance Update, Homeowners Insurance Update, More UNUM Info Available, In Memorium, Amicus Project Update, Earthquake Insurance Update, Full Court Press on Mercury, Top Attorneys School Insurers, 9th Circuit Revives Garvey, UP Joins ACCO, AIR, What IS UP?, UP Reader Survey.

INSIDE: Bach Talk, CA Elects Insurance Commissioner, Amicus Update, Paul Revere Found Guilty, Board Update, Judith Hodgens--new Board Member, What Kind, and How Much Life Insurance Do You Need? Part 2, It's UP to Supreme Court, Health Insurance Claims, Long Term Care Insurance, Reader Survey Results, King/King & Fishleder Support Amicus, UNUM/Provident/Paul Revere Info.

INSIDE: Amicus Project Update, Insurers Panic Over Mold Exposure, Public Adjusters - The Inside Scoop, UNUM/Provident/Paul Revere Info, Major Policyholder Victory Against UNUM/Provident/Paul Revere, Policyholder Victory in Collapse Case, What Kind, and How Much Life Insurance Do you Need?, State Farm Hissy Fit, PIC Grant from CAOC, Support Team Gearing UP.

INSIDE: Amicus Project Update, Policyholder Protection Law Signed, Is Your Home Insurance Adequate?, 10th Anniversary Sponsors, 10th Anniversary Celebration, Are Mold Claims Covered?

INSIDE: Amicus Project Update, Oakland Firestorm Anniversary, UP Launches Website, CA Policyholder Protection Act, Firestorm Anniversary Events, Un/Underinsured Motorist Coverage, Kemnitzer, Anderson, Barron & Ogilvie Gives Major Award to UP, New Mom Weighs in on CEA, How Do Insurers Settle Cases?, UP v. UNUM/Provident Draws Attention, UP Contributes to Quake Guide, NY Community Trust Grant to UP.

INSIDE: Amicus Project Growing, UP Meets with CA Ins. Cmm'r. Low, New Option for Buying EQ Ins., Focus on New York, Merger to Create Giant HMO Lobby, Quackenbush Scandal Update, Northridge Relief Denial Rebuffed, Lieff, Cabraser et al. Grant UP Website, Is Your Home Office Covered?, Pillsbury & Levinson Direct Settlement Funds to UP, UP Receives PIC Grant, SAFECO Drops 600 CA Policyholders, CEA to Be Audited, UP Survey: Napa CEA Policies Useless, Be Prepared!, UP Aids Napa Quake Victims.

INSIDE: Exec Dir's Report, Amicus Victory, The New Bad Faith Law, Comparison Shopping for Insurance, EQ Insurance the Bottom Line, The Real Deal/CEA's New Offerings, Retrofitting Advice, EQ Insurance Websites, Beware Before Lending Your Car.

INSIDE: Investigation of CA INS Commissioner, Amicus Update, Los Alamos Firestorm Visit, UP Adds Specialist to Board, UP in Academia, UP in the Media, HMO Trauma: Defend Yourself, UP Settlement Aids Impact Fund Chavez & Gertler Honored, Long Wait for CEA Seismic Inspections.

INSIDE: Exec Dir's Report, UP Amicus Project, UP Holds Fundraiser Reception, Punitive Damage Awards, Legal Resources, The Department of Insurance, Book Review: HMO Guide, Shopping for Insurance?, Insurance on the Internet.

INSIDE: Wildfire Recovery Support, The Outrage of Offsets, Another Amicus Victory, Book Review: Polarizing the Case, by Rick Friedman, On the Road(map) to Preparedness, No Time Like Drought Time To Clear Brush, Bach Talk, Board Update, Volunteer Spotlight

INSIDE: Protecting Seniors from Annuity and Insurance Scams, Prepare Before a Disaster Strikes, Efficient or Malicious; Are computerized claim adjusting programs designed only to cheat?, Amicus Wins in Arizona, California and Texas, Southern CA Wildfire Update, Insurance Issues Brewing in D.C., Accomplishments related to the Southern California Wildfires, Welcome and thanks to our newest UP sponsors!

INSIDE: New UP tips on resolving billing disputes over insurance payments for medical care you've received or need, New UP tips on making sure Smoke/Extreme Heat claims for partial losses are handled properly, Car Accident Claim Tips, UP Amicus Project Update, Resources for SoCal Wildfire Survivors, UP Exec. Director addresses National Conference of Insurance Legislators regarding state-run insurers of last resort, Southern California Wildfire Update - Accomplishments and 2008 Plans