Myth: Your insurance company will cancel your auto policy if you make a claim. There are many stories about this. In the past, insurers have acted against the best interest of their customers far more than they do now (if you can believe it). Fortunately, the truth is that Texas law prevents insurers from canceling your insurance just because you file a claim. However, they can cancel your insurance (or refuse your renewal) if you have two or more no-fault claims within a single year. 3 AUTO ACCIDENT MYTHS DEBUNKED W hen you or a loved one is involved in a car accident, there is a very good chance you will have many questions, including What should I expect?
You are simply trying to figure out what to do next. However, there are many misconceptions about what happens after a car accident, especially when it comes to dealing with insurance companies. You may have heard one thing, but the reality may be very different. Here are three common misconceptions or myths about car accident claims and the truth behind them. Myth: The insurance company (either yours or the at-fault driver’s) will take care of all your medical bills. The truth is that insurers are unlikely to pay your medical bills in a quick, efficient manner. You may submit bills to the insurer, but that doesn’t mean anything will happen. If you reach a settlement with the insurer, and you have signed their release, they will only pay you once. If you incur any medical bills related to your accident after the settlement, those bills are your responsibility. Myth: You must give a statement (written or recorded) to the insurance company regarding your accident. You are under no obligation to give any sort of statement to the at-fault driver’s insurer. They may ask for one, but it has the potential to harm your case. They are looking for the chance to poke holes in your statement so they can find ways to reduce or deny your claim. Texas-Sized LAUGHS
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MONTSERRAT O S WA L D
WARM SPINACH AND SUNCHOKE SALAD
Inspired by FoodAndWine.com
INGREDIENTS
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1/4 cup extra-virgin olive oil, divided 1 lb sunchokes, scrubbed and cut into 1-inch pieces
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1 lb leaf or curly spinach, stemmed and large leaves torn 1/4 cup apple cider vinegar 1 Honeycrisp apple, sliced 4 oz clothbound cheddar, crumbled (1 cup), divided
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15 garlic cloves, peeled
Pinch of crushed red pepper Kosher salt and black pepper
DIRECT IONS
1. Preheat the oven to 400 F. 2. In a large cast-iron skillet, heat 2 tbsp olive oil until nearly smoking. 3. Add sunchokes, garlic, and crushed red pepper. Season with salt and pepper. 4. Move skillet into the oven and roast for 25–30 minutes, until sunchokes are just tender. 5. In a large bowl, add the prepared spinach. 6. Remove skillet from the oven and add vinegar and remaining 2 tbsp olive oil, then pour mixture over the spinach. 7. Toss gently until spinach is wilted. 8. Add apple and half of the cheese and season with salt and pepper to taste. 9. Transfer to a serving bowl, toss, top with remaining cheese, and serve.
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