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Every state in the U.S. follows fault-based insurance laws, no-fault insurance laws, or a combination of the two. Most states, including West Virginia, abide by fault laws. Only 12 states have no-fault insurance statutes in place. As drivers in a fault state, West Virginians need to understand how the coverage and claim processes work after…

Many Americans trust the care of their elderly loved ones to nursing homes. A nursing home can be a fantastic place for older adults with health problems to get the ongoing care they need to survive. The choice to put a loved one in a nursing home is never an easy one, and it is…