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				<title><![CDATA[Insurance Information Network of California - Articles]]></title>
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					  <title><![CDATA[What To Do If You Are Pulled Over]]></title>
					  <link>http://www.iinc.org/articles/355/1/What-To-Do-If-You-Are-Pulled-Over/Page1.html</link>
					  <description><![CDATA[You hear the siren and glance in the rear-view mirror. Sure enough, flashing blue lights are glaring back at you. Maybe you rolled through a stop sign, driven a little too fast or thought you could make one quick phone call without your hands-free device. You might not even know why you&#8217;re being stopped, but it&#8217;s time to pull over. No one likes to be stopped by the police, but there are things you can do to make the encounter less stressful and more favorable. ]]></description>
					  <author>cmiller@iinc.org (IINC Editor)</author>
					  <pubDate>Wed, 03 Mar 2010 00:00:00 -0700</pubDate>
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					  <title><![CDATA[Disaster Losses May Be A Tax Gain]]></title>
					  <link>http://www.iinc.org/articles/354/1/Disaster-Losses-May-Be-A-Tax-Gain/Page1.html</link>
					  <description><![CDATA[An often-overlooked deduction may help turn a major property-casualty loss into a tax time gain. The standard deduction for unreimbursed casualty and theft losses allows taxpayers to include certain uninsured property losses among their itemized deductions. In the past, qualifying for the disaster loss deduction meant that the taxpayer had to have sustained substantial financial losses. Insurance deductibles or gaps in insurance coverage -- from fire, flooding or earthquake, for example -- could qualify for tax deductions ]]></description>
					  <author>cmiller@iinc.org (IINC Editor)</author>
					  <pubDate>Wed, 03 Mar 2010 00:00:00 -0700</pubDate>
					 <guid isPermaLink="true">http://www.iinc.org/articles/354/1/Disaster-Losses-May-Be-A-Tax-Gain/Page1.html</guid>
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					  <title><![CDATA[What Now?  IINC Answers Storm Recovery Questions]]></title>
					  <link>http://www.iinc.org/articles/352/1/What-Now--IINC-Answers-Storm-Recovery-Questions/Page1.html</link>
					  <description><![CDATA[With winter storms causing widespread damage, the Insurance Information Network of California&reg; offers answers to frequently asked storm questions: Question: Rising water flooded my home. Am I covered? Answer: A standard homeowner policy does not cover flood damage. However, a flood insurance policy, which compliments your homeowner policy, would provide coverage for damage caused by flooding. Flood insurance is typically available from your agent through the National Flood Insurance Program (www.floodsmart.gov or (800) 427-9662). Keep in mind that it takes 30 days from the time you purchase the policy for it to take effect. ]]></description>
					  <author>cmiller@iinc.org (IINC Editor)</author>
					  <pubDate>Mon, 08 Feb 2010 00:00:00 -0700</pubDate>
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					  <title><![CDATA[The Storm Page]]></title>
					  <link>http://www.iinc.org/articles/341/1/The-Storm-Page/Page1.html</link>
					  <description><![CDATA[Since 1990, California has endured nearly 25 storms resulting in more than $2 billion in insured losses.&nbsp; A recent survey indicates that 43 percent of respondents even consider themselves prepared for storms and the damage associated with them.On the following page, learn what steps you can take to prepare and survive a winter storm or flood.]]></description>
					  <author>cmiller@iinc.org (IINC Editor)</author>
					  <pubDate>Tue, 19 Jan 2010 00:00:00 -0700</pubDate>
					 <guid isPermaLink="true">http://www.iinc.org/articles/341/1/The-Storm-Page/Page1.html</guid>
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					  <title><![CDATA[Recent Quakes A Reminder of Possible Financial Aftershocks]]></title>
					  <link>http://www.iinc.org/articles/351/1/Recent-Quakes-A-Reminder-of-Possible-Financial-Aftershocks/Page1.html</link>
					  <description><![CDATA[
After two sizeable earthquakes book-ended the state last week, Californians got a jarring reminder of their unsettled landscape. But with roughly 12 percent of California homeowners purchasing earthquake policies, are their finances also on shaky ground? In today&#8217;s financial climate, walking away from disaster losses may not be a viable solution for homeowners. ]]></description>
					  <author>cmiller@iinc.org (IINC Editor)</author>
					  <pubDate>Mon, 11 Jan 2010 00:00:00 -0700</pubDate>
					 <guid isPermaLink="true">http://www.iinc.org/articles/351/1/Recent-Quakes-A-Reminder-of-Possible-Financial-Aftershocks/Page1.html</guid>
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					  <title><![CDATA[Contacts]]></title>
					  <link>http://www.iinc.org/articles/350/1/Contacts/Page1.html</link>
					  <description><![CDATA[Visit this page for more information on earthquakes and earthquake preparation from numerous sources.&nbsp;]]></description>
					  <author>cmiller@iinc.org (IINC Editor)</author>
					  <pubDate>Mon, 11 Jan 2010 00:00:00 -0700</pubDate>
					 <guid isPermaLink="true">http://www.iinc.org/articles/350/1/Contacts/Page1.html</guid>
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					  <title><![CDATA[Earthquake Insurance Options]]></title>
					  <link>http://www.iinc.org/articles/349/1/Earthquake-Insurance-Options/Page1.html</link>
					  <description><![CDATA[In most cases, homeowners are not required to purchase earthquake insurance. In fact, it is estimated that only 13 percent of California homeowners have an earthquake insurance policy in 2006. Many homeowners cite the increased deductible and decreased coverage for not insuring their home against earthquakes. However, even prior to the Northridge earthquake, less than one-third of California homeowners purchased earthquake policies. ]]></description>
					  <author>cmiller@iinc.org (IINC Editor)</author>
					  <pubDate>Mon, 11 Jan 2010 00:00:00 -0700</pubDate>
					 <guid isPermaLink="true">http://www.iinc.org/articles/349/1/Earthquake-Insurance-Options/Page1.html</guid>
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					  <title><![CDATA[The California Earthquake Authority]]></title>
					  <link>http://www.iinc.org/articles/348/1/The-California-Earthquake-Authority/Page1.html</link>
					  <description><![CDATA[In September 1996, the state Legislature established the California Earthquake Authority. The CEA is a privately funded, publicly managed organization that provides residential earthquake insurance to Californians. Designed to make quake insurance both available for consumers and financially viable for both insurers and their customers, the CEA is funded by insurance industry capital contributions and commitments, reinsurance and capital market borrowing. As of January 2006, the CEA had more than $7.2 billion in claims-paying capacity.]]></description>
					  <author>cmiller@iinc.org (IINC Editor)</author>
					  <pubDate>Mon, 11 Jan 2010 00:00:00 -0700</pubDate>
					 <guid isPermaLink="true">http://www.iinc.org/articles/348/1/The-California-Earthquake-Authority/Page1.html</guid>
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					  <title><![CDATA[The Evolution of Earthquake Insurance]]></title>
					  <link>http://www.iinc.org/articles/347/1/The-Evolution-of-Earthquake-Insurance/Page1.html</link>
					  <description><![CDATA[According to the U.S. Geological Survey, there is a 70 percent probability that an earthquake of magnitude 6.7 or larger will strike the San Francisco Bay Area during the next 30 years. However, while Californians live with earthquakes, an estimated 13 percent of California homeowners purchase earthquake insurance. ]]></description>
					  <author>cmiller@iinc.org (IINC Editor)</author>
					  <pubDate>Mon, 11 Jan 2010 00:00:00 -0700</pubDate>
					 <guid isPermaLink="true">http://www.iinc.org/articles/347/1/The-Evolution-of-Earthquake-Insurance/Page1.html</guid>
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					  <title><![CDATA[The Science of Earthquakes]]></title>
					  <link>http://www.iinc.org/articles/346/1/The-Science-of-Earthquakes/Page1.html</link>
					  <description><![CDATA[Three major factors determine the effect of an earthquake on a building or home and what you experience. First is the earthquake&#8217;s magnitude: The stronger the magnitude, the further away the quake&#8217;s seismic waves will be felt. However, the movement experienced during an earthquake doesn&#8217;t depend just upon its magnitude. Where you are located in relation to the earthquakes epicenter also has an effect. The farther away you are, the less shaking you feel, since the seismic waves lose energy as they travel through the earth. ]]></description>
					  <author>cmiller@iinc.org (IINC Editor)</author>
					  <pubDate>Mon, 11 Jan 2010 00:00:00 -0700</pubDate>
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