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				<title><![CDATA[Insurance Information Network of California - Articles]]></title>
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					  <title><![CDATA[Dog Bite Liability]]></title>
					  <link>http://www.iinc.org/articles/370/1/Dog-Bite-Liability/Page1.html</link>
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Your dog may be your best buddy, but he can also become a financial liability if he bites someone. Dog bite litigation is on the rise, and coupled with increased medical costs, is causing a rise in the cost of dog bite liability claims.
Dog bites accounted for more than one-third of all homeowner insurance liability claims paid out in 2011, costing nearly $479 million.]]></description>
					  <author>cmiller@iinc.org (IINC Editor)</author>
					  <pubDate>Wed, 16 May 2012 00:00:00 -0600</pubDate>
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					  <title><![CDATA[Bicycle Safety and Insurance]]></title>
					  <link>http://www.iinc.org/articles/442/1/Bicycle-Safety-and-Insurance/Page1.html</link>
					  <description><![CDATA[Bicycling is increasingly popular, both as a sport and as a means of transportation. And bicycles can cost anywhere from several hundred dollars for a basic bike to thousands of dollars for specialized racing bikes. Whether you use your bicycle to commute to work or simply like to cycle around the block with your children, it is important to understand the rules of the road and protect your financial investment with the proper insurance. ]]></description>
					  <author>cmiller@iinc.org (IINC Editor)</author>
					  <pubDate>Tue, 08 May 2012 00:00:00 -0600</pubDate>
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					  <title><![CDATA[IINC Ofrece Recursos Del Seguro de Los Negocios]]></title>
					  <link>http://www.iinc.org/articles/441/1/IINC-Ofrece-Recursos-Del-Seguro-de-Los-Negocios/Page1.html</link>
					  <description><![CDATA[Con solo un clic del rat&oacute;n, los empresarios de negocios peque&ntilde;os de California tienen a su alcance una &nbsp;fuente de informaci&oacute;n de los seguros de los negocios:&nbsp;La Red de Informaci&oacute;n de Seguros de California&nbsp;(IINC en ingl&eacute;s).La IINC ampli&oacute; esta fuente de informaci&oacute;n para los negocios peque&ntilde;os en su p&aacute;gina Web para coincidir con la Semana Nacional de los Negocios Peque&ntilde;os, que se celebra de mayo14 al 20. Los due&ntilde;os de negocios pueden navegar con el clic del rat&oacute;n de su computadora atrav&eacute;z del mundo de los seguros comerciales. ]]></description>
					  <author>cmiller@iinc.org (IINC Editor)</author>
					  <pubDate>Tue, 08 May 2012 00:00:00 -0600</pubDate>
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					  <title><![CDATA[The Wildfire Page]]></title>
					  <link>http://www.iinc.org/articles/304/1/The-Wildfire-Page/Page1.html</link>
					  <description><![CDATA[
Wildfires wreak havoc across much of the California landscape forcing residents&nbsp;to flee from&nbsp;their homes on a yearly basis.IINC has compiled information&nbsp;to help&nbsp;homeowners prepare, survive and recover from these devastating&nbsp;fires.&nbsp; Insurance company claim phone numbers can be found here.]]></description>
					  <author>cmiller@iinc.org (IINC Editor)</author>
					  <pubDate>Mon, 07 May 2012 00:00:00 -0600</pubDate>
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					<item>
					  <title><![CDATA[Disaster Central]]></title>
					  <link>http://www.iinc.org/articles/440/1/Disaster-Central/Page1.html</link>
					  <description><![CDATA[Californians live with the threat of earthquakes, wildfires, floods and storms. Since 1990, the state has suffered more than 25 natural catastrophes costing in excess of $20 billion in insured losses. While disasters are a constant menace, there are steps homeowners can take to prepare for the effects of nature's calamities.]]></description>
					  <author>cmiller@iinc.org (IINC Editor)</author>
					  <pubDate>Mon, 30 Apr 2012 00:00:00 -0600</pubDate>
					 <guid isPermaLink="true">http://www.iinc.org/articles/440/1/Disaster-Central/Page1.html</guid>
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					  <title><![CDATA[The 411 On California Cell Phone Laws]]></title>
					  <link>http://www.iinc.org/articles/244/1/The-411-On-California-Cell-Phone-Laws/Page1.html</link>
					  <description><![CDATA[On July 1, 2008, two new laws impacting the use of cell phones while driving a motor vehicle in California will go into effect. The laws prohibit all drivers from using a hand-held wireless telephone while operating a motor vehicle in California unless they are an adult using a hands-free device.]]></description>
					  <author>cmiller@iinc.org (IINC Editor)</author>
					  <pubDate>Thu, 19 Apr 2012 00:00:00 -0600</pubDate>
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					  <title><![CDATA[The 1906 Earthquake and Fire]]></title>
					  <link>http://www.iinc.org/articles/345/1/The-1906-Earthquake-and-Fire/Page1.html</link>
					  <description><![CDATA[The earthquake and fire that devastated San Francisco on April 18, 1906 was one of the most significant natural disasters in the United States, as well as the history of insurance.&nbsp; It produced insured losses of $180 million at the time, equivalent to $3.97 billion in 2010 dollars.&nbsp; In 1906, just as today, shake damage from earthquake was excluded from standard property insurance policies.&nbsp; Damage from the fire which followed the earthquake was covered and constituted the vast majority of insured losses.]]></description>
					  <author>cmiller@iinc.org (IINC Editor)</author>
					  <pubDate>Tue, 17 Apr 2012 00:00:00 -0600</pubDate>
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					  <title><![CDATA[Indonesia Slammed By Two Major Quakes]]></title>
					  <link>http://www.iinc.org/articles/439/1/Indonesia-Slammed-By-Two-Major-Quakes/Page1.html</link>
					  <description><![CDATA[A tsunami warning was issued and then canceled today for the Indonesia region after two earthquakes with magnitudes of 8.7 and 8.2&nbsp; struck the Indian Ocean this morning, a little more than a year after the California coast sustained $100 million damage from a tsunami generated by a 9.0-magnitude earthquake in Japan.Four of the five costliest earthquakes in the past three decades have occurred in the past three years. ]]></description>
					  <author>cmiller@iinc.org (IINC Editor)</author>
					  <pubDate>Wed, 11 Apr 2012 00:00:00 -0600</pubDate>
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					  <title><![CDATA[Is Your Home Properly Insured? The Three Most Important Questions To Ask Your Insurer]]></title>
					  <link>http://www.iinc.org/articles/438/1/Is-Your-Home-Properly-Insured-The-Three-Most-Important-Questions-To-Ask-Your-Insurer/Page1.html</link>
					  <description><![CDATA[For many people, their home is their greatest asset. To protect their investment, homeowners should update their insurance regularly to include improvements, major purchases and increased rebuilding costs.To properly insure your home, it is important to ask your agent or company representative three key questions.]]></description>
					  <author>cmiller@iinc.org (IINC Editor)</author>
					  <pubDate>Tue, 03 Apr 2012 00:00:00 -0600</pubDate>
					 <guid isPermaLink="true">http://www.iinc.org/articles/438/1/Is-Your-Home-Properly-Insured-The-Three-Most-Important-Questions-To-Ask-Your-Insurer/Page1.html</guid>
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					<item>
					  <title><![CDATA[Property Losses May Be A Tax Gain]]></title>
					  <link>http://www.iinc.org/articles/437/1/Property-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.&nbsp; The U.S. tax code allows unreimbursed casualty and theft losses to be included among itemized deductions. &nbsp;&nbsp; &nbsp;To qualify for the deduction, unreimbursed financial claims usually need to be substantial.&nbsp; Any significant catastrophe deductible or gap in insurance coverage -- from fire, flooding or earthquake, for example -- may qualify for tax deductions. ]]></description>
					  <author>cmiller@iinc.org (IINC Editor)</author>
					  <pubDate>Tue, 27 Mar 2012 00:00:00 -0600</pubDate>
					 <guid isPermaLink="true">http://www.iinc.org/articles/437/1/Property-Losses-May-Be-A-Tax-Gain/Page1.html</guid>
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