Karl Susman, CPCU, LUTCF, CIC, CSFP, CFS, CPIA, AAI-M, PLCS
Karl Susman is an insurance agency owner, insurance expert witness in state, federal and criminal courts, and radio talk show host. For more than 30 years, Karl has helped consumers understand the complex world of insurance. He provides actionable advice and distills complex insurance concepts into understandable options. He appears regularly in the media, offering commentary and analysis of insurance industry news, and advises lawmakers on legislation, programs and policies. He contributes to the American Bar Association Insurance Regulation quarterly newsletter, helping its readers better utilize insurance products and services.
As the Principal of Susman Insurance Agency, Karl works directly with clients to ensure they have the information they need to make the best decisions for their insurance coverage. Karl’s given testimony as an expert hundreds of times, helping attorneys, judges and juries adjudicate insurance litigation.
Dedicated to helping consumers access accurate information about insurance, Karl hosts “Insurance Hour,” a call-in radio show syndicated across California with a reach of more than 30 million listeners.
Phone: (310) 820-5200 | Email: Questions@InsuranceHour.com | X (Twitter): @InsuranceHour__
Websites: www.susmaninsurance.com, expertwitnessprofessionals.com, insurancehour.com
LinkedIn: www.linkedin.com/in/karlsusman
Latest articles by Karl Susman, CPCU, LUTCF, CIC, CSFP, CFS, CPIA, AAI-M, PLCS
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In Defense of Insurance Agents and Brokers
People who sell insurance are often not consumers' favorite people. Here are some reasons why you might want to give insurance agents a break.
By Karl Susman, CPCU, LUTCF, CIC, CSFP, CFS, CPIA, AAI-M, PLCS Published
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Your Insurance Rates Keep Rising: Why? What Can You Do?
Prices only seem to go up, up, up, and property insurance claims are bigger and more frequent, impacting everyone … What's a policyholder to do?
By Karl Susman, CPCU, LUTCF, CIC, CSFP, CFS, CPIA, AAI-M, PLCS Published
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Four Common Misconceptions About Life Insurance
Just because you have no dependents and no debt doesn't mean life insurance wouldn't come in exceedingly handy for someone in your life or even a charity.
By Karl Susman, CPCU, LUTCF, CIC, CSFP, CFS, CPIA, AAI-M, PLCS Published
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Does the Government Insure You?
It might surprise you to learn that you could be relying on Uncle Sam for some of your insurance needs.
By Karl Susman, CPCU, LUTCF, CIC, CSFP, CFS, CPIA, AAI-M, PLCS Published
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Are You Committing Insurance Fraud?
You might not think the following behaviors are fraudulent (and hey, everyone does them, right?), but they are indeed fraud, and there's a massive cost.
By Karl Susman, CPCU, LUTCF, CIC, CSFP, CFS, CPIA, AAI-M, PLCS Published
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Are You Tempted to Drop Your Homeowners Insurance?
Here's why that would be a really bad idea, even if your home is paid for, along with some suggestions for how to make paying your premium more palatable.
By Karl Susman, CPCU, LUTCF, CIC, CSFP, CFS, CPIA, AAI-M, PLCS Published
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What You Can Do if Your Insurance Company Cancels You
You might be able to address whatever reason your insurance company cites to non-renew your policy, but you'll need to act fast.
By Karl Susman, CPCU, LUTCF, CIC, CSFP, CFS, CPIA, AAI-M, PLCS Published
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What Are You Willing to Do for Cheaper Car Insurance?
Sharing your credit score and your driving data with your insurance company could help lower your premium (assuming they’re both good!).
By Karl Susman, CPCU, LUTCF, CIC, CSFP, CFS, CPIA, AAI-M, PLCS Published
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Wait, My Homeowners Insurance Limits What?
You might be surprised by the limits on what your homeowners policy covers, but there’s a reason for that, and there’s also something you can do about it.
By Karl Susman, CPCU, LUTCF, CIC, CSFP, CFS, CPIA, AAI-M, PLCS Published
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What Impact Does Politics Have on Insurance?
Some governors choose their state's insurance commissioner, while other states elect theirs, and that person has power over insurance issues, including rates.
By Karl Susman, CPCU, LUTCF, CIC, CSFP, CFS, CPIA, AAI-M, PLCS Published
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Why Would You Need Cyber Insurance?
First, what is it? And is it really necessary? Here are some instances where you might wish you had a cyber insurance policy.
By Karl Susman, CPCU, LUTCF, CIC, CSFP, CFS, CPIA, AAI-M, PLCS Published
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So That Car Accident Wasn’t Your Fault, Huh?
Insurance agents hear all the excuses, but speeding and distracted driving, especially when the weather is bad, are well within drivers’ control.
By Karl Susman, CPCU, LUTCF, CIC, CSFP, CFS, CPIA, AAI-M, PLCS Published
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Five Tips for Choosing Your Insurance Agent or Broker
Selecting an insurance professional could be as important as picking a surgeon. It might not be literal life-or-death, but it could be financial life-or-death.
By Karl Susman, CPCU, LUTCF, CIC, CSFP, CFS, CPIA, AAI-M, PLCS Published
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My Insurance Company Flew a Drone Over My House?
Insurers are determining what risks they might face by insuring your home, such as a potentially leaky roof or fire hazards. Your premium could be affected.
By Karl Susman, CPCU, LUTCF, CIC, CSFP, CFS, CPIA, AAI-M, PLCS Published
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When Is the Perfect Time to Buy Life Insurance?
This is not an easily answered question, other than 'when you're the youngest and healthiest you can be.' Your occupation, habits and extracurricular activities will also affect your premium.
By Karl Susman, CPCU, LUTCF, CIC, CSFP, CFS, CPIA, AAI-M, PLCS Published
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Why Has Your Car Insurance Gone Up? (And What You Can Do About It)
Inflation, technology and bad drivers have jacked up everybody’s insurance rates, but there are a few things you can do to possibly lower yours.
By Karl Susman, CPCU, LUTCF, CIC, CSFP, CFS, CPIA, AAI-M, PLCS Published