Nancy, are you on PCP? Regarding the idea of buying insurance in the midst of a catastrophe, I don't even know how to respond.
No I am not taking PCP. My point was that the state is huge. Why should you not be able to buy car insurance in El Paso just because there is a disaster in Galveston? El Paso is closer to Los Angeles than to Galveston and I'm sure State Farm in El Paso doesn't shut down when there's an earthquake in LA. The only theory that logically explains this geographic anomaly must be that the various parts of Texas are united in their misery.
I lived in Texas at one point. Luckily it was rather brief, although I still follow matters there in the same way that expatriates from Axis of Evil countries probably follow goings on in their homelands. Anyway let me explain - I bought a car in southeast Texas. I also bought car insurance. I think it was Geico. Like a number of other auto insurance policies I've had in my life, eventually, this one caught up with me. They discovered my "record" of a prior speeding ticket in another state from several years earlier. (60 in a 50, something like that.) Now Texas has some weird law allowing people to somehow expunge their old speeding tickets by taking a class about speeding. (There's so much to learn!) But the state where I got the ticket does not. In Texas, if you don't take the "class" your insurance rates go through the roof. Like, $1000 a month. I guess they think if you didn't take the "class" you're a real risk. So anyone with a speeding ticket from another state without such classes is in a bind there. Anyway Geico or whatever had an even more draconian policy. They just dropped my insurance altogether. Without bothering to call me.
Since I only check my mail every 28 days or so, I found out that my insurance had been dropped just in the nick of time, exactly 28 days after they sent the letter. This is how I learned that most auto insurance companies will REJECT your application for coverage if your car has been uninsured for 30 days or more. Stupid, I know, because people without insurance usually need it more than people who have it. I'm sure there's a good actuarial reason why they do that, such as weeding out criminals. But here I'd driving around uninsured for 28 days, and hadn't even known. The only reason I even opened my mail THAT day was that I was about to embark on a road trip to 6 other states and figured there might be a third notice of a bill or something else in there that I should deal with before leaving town. So imagine my panic when I learned I had no auto insurance and only 2 more days left to ever insure that car.
I went straight to State Farm. There, I was told, that a hurricane was predicted to land "somewhere in the Gulf" later that week. Like I cared? I was about to leave town! I was the best insurance risk they could have asked for! Even where I was, it was nowhere near hurricane range. Yet they informed me that nowhere in the whole STATE of Texas could I buy insurance until the hurricane made landfall. Meaning, if I called up their El Paso office, almost 1000 miles away, they would say the same thing, but if I could claim to have an address in Oklahoma, which was much closer to the hurricane zone, then one of the offices there could help me.
Anyway I used my grandma's address in the Midwest, and got a policy online from that state with no problems. She lives on a shady crime-free, Cadillac and Lincoln-Continental-lined street inhabited almost entirely by WWII vintage people, which allowed me to get the cheapest auto policy I have ever had, all online. Printed out my new card, and hit the road. And it was good, because in Nebraska I got pulled over!
Anyway, with the limited time I have at the moment the first things I'd like to state is that renewal of medical license is Q2 years.
Do they intersperse it with the DPS renewals? Come on, you know those renewals are expensive. Plus that extremely worthwhile Texas Medical Jurisprudence Test and the Texas Medical Jurisprudence Online Study Modules - there's another $500 easily! And yet despite all that jurisprudence knowledge, Conrad Murray, the cardiologist of Michael-Jackson-involuntary-manslaughter fame, managed to come from none other than Houston...
and this August when my wife had our third kid, I'll be taking a week of paid PATERNITY leave.
A) Are you supporting paternity leave? Do your neighbors know about your views??
and
B) Congratulations!
Sorry for the digression... back to the topic I hope.