Personal Insurance: Most Popular Articles
Here is a great state-by-state chart listing the minimum car insurance bodily injury and property damage liability limits. Also find out what the limits mean along with other helpful related links.
Filing a police report after a car accident is an important step in making sure all the details of the car accident are reported. Filing the accident report will not only provide your insurance company with a basis on how to properly handle your claim but an accurate crash report will ensure protection for you if there are any legal problems that may occur from the car accident.
Do you know what information to obtain after a car accident? Here you can find an outline of what procedures to follow after a car accident to ensure you are treated fairly.
A life insurance agent's commission depends on factors such as the company's commission plan and how much life insurance the agent is selling. But, agents do make a substantial difference in commission on different plans...
The health insurance deductible is something that most people have heard of before and have some understanding of. Sometimes called a health deductible, medical deductible or health plan deductible, most are usually referring to the amount they have to pay out of pocket for certain health care procdures or before their health care plan will pay for any procdeure.
Unlike HMO and PPO health insurance plans, most indemnity policies allow you to choose any doctor and hospital that you wish when seeking health care services. Indemnity plans are considered fee-for-service health insurance plans. Indemnity health insurance plans offer more flexibility in services, but sometimes that comes with an extra cost. If you have the opportunity to choose an indemnity policy for health insurance, here are five important points to remember.
What is the HIPAA Law? How does the HIPAA Law affect me? How do I make sure my healthcare provider is taking steps to comply with the HIPAA Regulations?
What do you do when you don't have a job and can't get affordable individual or family health insurance from an employer? Or, what about all the families that have jobs but still cannot afford the health insurance offered by their employers and can't find an option for affordable health insurance? There are affordable health insurance options out there that, in fact, many Americans have already implemented and are beating the rising battle against being uninsured.
Do you understand the coverages in your home owners insurance policy, or do you just hope your agent has you covered? Did you get an online insurance quote and are you paying for home owners insurance coverages you don't need? Weather you are searching for insurance online or with a local agent, here you can find out what all those home owners insurance policy coverages really mean.
Aflac has made supplemental health insurance popular with their quirky duck. But what is a supplemental health insurance plan and do you need it?
When searching for a health insurance plan or after one has already signed up, the plan terms, or descriptions of provisions and coverages can be hard to understand. When one is reviewing the terms they often confusingly say, “What does that mean?”
Does everyone need umbrella insurance? Do I need umbrella insurance? What is umbrella insurance? How much umbrella insurance do I need?
Here is a comprehensive list, by state, of insurance companies that provide insurance for domestic partners. Providers on this list are for individuals and companies looking for group health plans for themselves and their domestic partner and include various coverages such as medical, dental, and life.
Sudden water damage in one's home can be devastation. Not having the right homeowners insurance coverage for sudden water damage can make it even worse. Learn about what sudden water damage in homeowners insurance covers and does not cover so you can be prepared.
Does your dental insurance plan cover orthodontic care such as braces? Many people who currently have dental insurance assume that they have some coverage for orthodontic care but that is not always the case. If your children will soon need braces you will now want to start the search for a good dental insurance plan to help offset the costs of orthodontic care.
Now that you have found the bike for you, it's time to get it insured. But, before you call just any insurance agent you will want to learn how the insurance company decides your rate.
Each life insurance policy is different, but most contain a suicide provision. The suicide provision states that if a life insurance recipient dies as the result of suicide...
When one purchases a homeowners insurance policy they usually don't understand fully how the coverages work until it is time to file a claim. This can be a problem because once it is time to file a claim, the insurance amount cannot be adjusted. Many find out too late that their homeowners insurance dwelling and other structures coverage may not be enough.
Just getting your first home and car insurance? Moving out on your own? Need to know just the facts to get yourself covered? Insurance 101 is the place! Scroll through the most popular insurance categories and find informative articles on affordable health insurance, gap insurance, umbrella insurance and car insurance along with the other insurance basics to get you adequately covered now.
If you have ever had a job, you have probably heard of worker's compensation insurance. Maybe you have even received worker's compensation benefits from your employer. Most employees don't even think much about the worker's compensation insurance that their employer provides but that can be a big mistake for employees.
It is important to know how the coordination of benefits provision and the primary and secondary health plan works for those who are covered under more than one health insurance plan.
In this State Farm review, I have found an insurance company that is strong financially and stands above the rest in workplace diversity. State Farm insurance is the number one auto insurance company in the U.S. and they hold a strong market in their other insurance offerings as well. Although there have been a few State Farm complaints in their history, they still remain one of the top insurance choices for U.S. customers.
Are you getting cheap insurance for your car? Get your car insurance policy and compare your savings with this list to see if you are getting all of the savings you are entitled to, or print it out and use it when getting a new policy or obtaining an online car insurance quote.
In this Allstate review, I have found an insurance company that is a strong company financially. It is very popular among insurance customers in the U.S. They offer a wide variety of products and customers have access to local agents along with a user friendly website. Although there have been Allstate complaints, it still remains one of the top insurance choices for U.S. customers.
Gap insurance is a common purchase for new car loans and lease agreements. It is a great type of insurance that has helped many people not incur extra expenses when their vehicle was totaled. But, as with any insurance, gap insurance is not always needed. Unfortunately many consumers don't know their rights and often end up purchasing and paying for gap insurance without knowing it and maybe without needing it.
Now that you have decided to purchase life insurance you may be required to undergo a medical exam. The primary reason life insurance companies need to administer medical exams is to judge how much premium to charge a potential policyholder.
Having a nice insurance portfolio can give one a sense of peace and security that all their needs will be met if an unfortunate emergency arises. But all to often we don't have enough insurance due to the inability to purchase what we need because of the cost. If you have been looking for a way to purchase more amounts of insurance, more policies, or just cut your current insurance costs self-insuring may help.
Quick list of your state insurance commissioner's website. Just click on your state to view your commissioner's page and view phone numbers easily.
A health savings account usually supplements one's current insurance coverage. These types of health savings accounts pay for medical expenses that your health insurance coverage typically does not pay for. Depending on the plan you choose, whether a HSA, FSA, or HRA, the money is deposited either by you or an employer before it is taxed so it's like paying for out of pocket medical costs tax-free. Often you can earn interest on your money while it is sitting there waiting for you to use it.
It is no surprise that health insurance premium costs are skyrocketing. Unfortunately, because of the high cost of health insurance, some families have resorted to canceling their health insurance and paying for their medical expenses out-of-pocket. This may work for a while for those that are healthy and can afford a few doctor's visits a year, but, what would happen if they needed major surgery?
It is important to understand the dental insurance waiting period. A dental insurance waiting period can vary between each dental insurance company. There are other things to consider when understanding the dental insurance waiting period.
Insurance endorsements are important additions to an insurance policy. It is important to understand how the insurance endorsement can change the policy.
Domestic partner insurance is when an unmarried couple in a committed relationship decide to share an insurance plan. Finding an insurance company that will accept you and your domestic partner can sometimes be a lengthy, time consuming process. Take a look at Domestic Partner Insurance 101 for information and help in finding domestic partner insurance.
Five basic steps in filing your auto insurance claim: From deciding if you should file to expecting the call from the insurance company, learn what steps you need to take to file a successful auto insurance claim.
The issue of what services illegal immigrants should legally get in America is long and complicated. There are two services that tend to always be at the top of the list of services that really get Americans upset that they are available to illegal immigrants. When American citizens find out that there is free healthcare for illegal immigrants and that illegal immigrants can obtain a drivers license, the citizens of America start the debates.
Private Mortgage Insurance, or PMI, is a type of insurance that insures the lender in case the buyer defaults on the loan. The lender, or bank, requires PMI when the buyer has a down payment less than 20% of the asking price of the home. Private mortgage insurance has good and bad points, and there are ways to avoid paying it without putting down the required 20%.
Invisalign has become a popular choice instead of traditional braces. Some feel the Invisalign results are better than braces and there less problems with Invisalign treatments. There are many reasons why Invisalign has become popular but the cost still remains unpopular. Choosing the right dental insurance plan along with other payment resources can help one afford the Invisalign treatment.
Renter's insurance is not just for your property. Find out here why you need renter's insurance even if you have no property!
Managed Healthcare Plans are types of health insurance policies that help employers offer their employees discounted medical insurance services by negotiating reduced charges with hospitals and physicians. There are three basic types of Managed Healthcare Plans: HMO, PPO, & POS.
When is Comprehensive Insurance Coverage used and does my insurance deductible apply?
Sometimes, when you go to the doctor or other medical provider, you may be told that you have to submit your own insurance claim form. This means that the doctor or facility does not ask the health insurance company to pay for your bill and you must do so. If you have to file your own health insurance claim here are the steps you will need to take along with some helpful tips on submitting your insurance claim form.
What do you do when you don't have a job and can't get affordable individual or family health insurance from an employer? Or, what about all the families that have jobs but still cannot afford the health insurance offered by their employers and can't find an option for affordable health insurance? There are affordable health insurance options out there that, in fact, many Americans have already implemented and are beating the rising battle against being uninsured. Page 2.
An insurance company's financial strength is an important consideration when choosing a policy. By choosing a financially strong company you will have comfort knowing that the company will most likely be able to pay your claims or be able to pay your life insurance benefits.
You were just in a car accident. You thought it was your fault so you file a claim. Could it really be an insurance scam? Maybe someone set you up in order to collect money from your car insurance. If you don't know then you need to learn more about insurance scam fraud protection.
President Obama is ready to reform health care in America. His $634 billion health care bill proposal is said to be just a down payment for future insurance reform. Of course with that much money being spent and with health insurance reform being a hot topic since the failed universal health care proposal by President Clinton, Obama is going to have his critics.
Get to know more about what a peril is and what types of perils your homeowners insurance covers. Having a good understanding of your homeowners insurance perils is important in making sure you have adequate homeowners insurance coverage.
According to the American Society of Plastic Surgeons, approximately 6.6 million Americans had plastic surgery in 2002. That comes out to a lot of money in doctor fees, so who is paying for plastic surgery costs? Who pays for plastic surgery costs depends entirely on your insurance company.
Are you self-employed, home based, or a writer? Are you looking for discounted group health insurance? Most people obtain health insurance coverage through their employer. This leads to a lower insurance premium because the risk is spread out among the group of members. Not employed? You may still be able to benefit from group health insurance through a membership organization even if you do not work.
Using a health savings account to supplement your current health insurance coverage is a great way to save money on your health care costs. Along with saving money on your health care costs, an HSA can help you get your money working by earning you interest. And, you can save your HSA money tax-free. Check out these Top 10 HSA Frequently Asked Questions.
Worried about not being able to pay your car insurance payment or life insurance payment? Before you cancel your policies, don't forget to find out when your grace period is.
Many people are choosing to rent their living spaces. Unfortunately though, these renters try to save money by not choosing renters insurance. The average cost of renters insurance is very affordable so renters insurance costs should not be a factor in determining not to purchase a renters insurance policy.
How much is my insurance deductible? The deductible is chosen by the insured and is usually applied to coverage's such as comprehensive and collision.
Along with providing a death benefit, universal life insurance also incorporates a savings vehicle. In short, it is like combining a term life insurance policy with a tax-deferred interest accumulating savings account.
Life insurance is designed to protect your family and other people who may depend on you for financial support. If you die and lose your income, the people that are dependant on your financial support will lose that income, so life insurance can help cover some or all of that loss depending on the policy you choose. Here are some guidelines to help you decide if life insurance is the right choice for you.
Private Mortgage Insurance, or PMI, is a type of insurance that insures the lender in case the buyer defaults on the loan. The lender, or bank, requires PMI when the buyer has a down payment less than 20% of the asking price of the home. Private mortgage insurance has good and bad points, and there are ways to avoid paying it without putting down the required 20%. . Page 2.
FAQ: What is the Fair Plan? Personal Insurance.
When a vehicle is taken to the repair shop, the replacement parts used may include aftermarket parts. They are not made by the original manufacturer.
Gradual water damage can be a nightmare to a homeowners. Not just because of the damage it can cause but because that damage and all of the destruction from the gradual water damage is rarely covered under a homeowners insurance policy.
Getting a new car is great and making sure you have the insurance coverages you need for that new car is one of the most important things you can do to protect your new vehicle. Of course, you don't want to have a gap in insurance so that is why you need to have gap car insurance. Yes, getting gap insurance coverage is important but it is just as important to know what those coverages mean.
Purchasing your home is an important decision. But how does one know that the property they purchased has a clear title? Because unknown problems can be hidden in the history of a property's title, homeowners use a title insurance company to purchase title insurance.
Just because the first renter's insurance quote you get is inexpensive, don't hesitate to shop around because you may be able to get a better deal.
It can be an easy coverage to try and skip to save money on one's insurance premium but for most the savings just are not worth the risk of being stranded. The most common emergency roadside service coverages are worth paying a bit extra for and can save a lot of grief and stress over a small incident.
What is an insurance binder and why is it only temporary insurance coverage?
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The insurance underwriting process is different with every company. Learn more about insurance underwriting and how it can affect you.
Here is a quick list of information you will need and questions an agent is likely to ask when obtaining an umbrella policy.
Most insurance policies have multiple pages. Filing through these pages to understand the basics of an insurance policy would be complicated. The insurance declaration page simplifies this process by giving the insurance policy holder a basic overview of their insurance policy.
Do you know your lifetime maximum benefit in your health insurance policy? Not having enough insurance available can be disastrous and everyone should look for a health insurance police with the highest, or even no lifetime maximum benefit.
Liability car insurance is one part of your car insurance policy. It is meant to protect you if you are found liable or responsible for something. Unfortunately, many choose the legal minimum liability insurance to try and save money but this, in most cases, is a bad idea. Considering how much it costs to have a lawyer and go through court, do you trust your minimum car insurance liability?
Need car insurance but only for a short period of time? Then you may want to take a look at a temporary car insurance policy. Temporary car insurance can be helpful for many reasons and getting temporary car insurance is possible.
After understanding HIPAA's definition and how it protects a patient's privacy one may be interested in learning about HIPAA's privacy exceptions. HIPAA's privacy exceptions give health care providers and others who are required to follow HIPAA an exception in some areas where they don't have to follow the rules outlined by the HIPAA law.
There is no doubt most Americans agree that health care costs are way out of line and it is next to impossible to find a lost cost alternative health insurance choice. This result has lead thousands of Americans to take a look at a different way to pay for health care premiums: Medical Sharing Networks and Societies
Umbrella Insurance is only for the rich. I am alive so I need Life Insurance, right? My co-worker is uninsured and that doesn't effect my insurance. Learn why these insurance myths are inaccurate and find out answers to the top 10 insurance myths everyone should know.
Medicaid and Medicare are government and state funded insurance programs that benefit low-income and the elderly. Find out more about medicare insurance coverage and medicaid information.
How does an insurance claims adjuster process and insurance claim? What about a public claims adjuster? The insurance claims process can seem complicated but knowing more about who processes insurance claims and how they do their job can help one understand the insurance claims process better.
Having to choose between multiple health care plans can be a daunting task. Here are 10 key areas to consider when you need to find the best health care plan for your needs.
Whether you are an established family or just starting out, you probably have property that is covered under your insurance. Items like your automobile, furniture, and personal possessions are some of the items that are usually covered under insurance. If an unfortunate occurrence such as a fire or theft should happen, it is best you have an accurate and detailed inventory of your personal property with a property insurance inventory list.
The process involved to buy an RV, whether one is buying a Class A, B, or C used RV, a travel trailer, or any type of RV, should always include a large emphasis on purchasing the right personal property insurance protection for their RV. Even when one finds their perfect rig in their local Class A used motorhomes for sale listing, they will not have the perfect motorhome for them if they don't cover their RV properly.
The main determining factor is whether your policy is a replacement cost value policy or an actual cash value policy. If you have an actual cash value policy, it will not. Actual cash value is also known as the fair market value. Fair market value is basically the amount that a a buyer would pay for your home.
insurance questions FAQ's what are the best policy limits is automobile insurance required?
Dental insurance can be an effective way to prevent damage to your teeth and gums, but when determining what dental insurance plan would fit you best, there are some questions you may want to ask yourself first before purchasing your next policy.
If you own certain expensive items, such as jewelry, Oriental rugs or home office equipment, more than likely you will need a rider on your homeowners insurance policy. A rider is like a mini-insurance policy added to your current home owners insurance policy and it will give added protection to certain items that may be excluded or have low limits on your home owners insurance policy.
So what happens when insurance companies start classifying certain dog breeds as high-risk? Well, homeowners with those specific dog breeds may have a hard time qualifying for a homeowners insurance policy. Current policyholders may be paying more to own a high-risk breed or have to face the risk of possibly being dropped after a liability claim from a dog incidence.
When tax preparation time comes there can be an array of questions about federal tax deductions and what to report as income on your federal tax return. This Insurance Tax Dos and Don'ts list of federal tax tips will hopefully help many with federal tax questions regarding insurance whether on a personal or business level.
If you own a credit card you have probably been asked by the company if you would like to add credit insurance. Most are unfamiliar with this type of insurance and either decline it or accept it automatically without knowing if it is the right type of insurance for their needs. Credit insurance may be beneficial to some but just an unneeded cost for others depending on one's situation.
Just bought a new car? What if an accident occurred soon after taking your brand new ride off the lot? You have full coverage insurance, right? So, you're covered... or maybe not.
Need low cost life insurance? Take a look at the budget friendly option of a term life insurance policy. Term life insurance policy premiums are generally much cheaper than cash-value policies (universal and whole), especially if you are young and in good health and a low cost term life insurance policy does exactly what you expect it to do by financially taking care of your beneficiaries if you die.
In insurance, negligence can pertain to different parties including the policyholder, the insurance company and the insurance agent. Being negligent can be determined by comparing the action to how others would act in a similar situation.
It is never too late to learn about home owners insurance. If you currently have it, it is important to educate yourself to make sure you have your home properly covered. If you are thinking about buying a home, getting off on the right foot with the correct home owners insurance policy can save you a lot of hassle. And besides having the right coverage, getting a good deal on your home owners insurance can actually make you smile!
Renter's Insurance is a great way to keep your items protected but you can't get reimbursed by your renter's insurance company for things you can't remember or things that had more value than the insurance company thinks it had. The solution is documentation. Documentation is a two step process: Written and Video.
The beneficiary, when related to insurance, is someone who receives the benefits of an insurance contract. This can refer to the person who receives the insurance proceeds from a life insurance policy or annuity.
You keep your valuables under the seat, your packages in the trunk, and your doors locked at all times, but is that enough? You even try to avoid high-end extravagant SUVs and sports cars in hopes of deterring a car thief. Unfortunately, keeping your doors locked, your valuables hidden, and driving an older model car is not enough to stop a car thief from targeting your car.
Who is covered under my auto insurance policy? Who needs to be listed on my auto insurance policy?
All states have car insurance requirements. These are called financial responsibility laws. These state insurance laws protect all drivers on the road. Lets take a look at some common questions about state car insurance financial responsibility laws.
If you have trouble reading a full article on any insurance subject, these quick tips will get you enough insurance knowledge to make you look like you know what you are talking about... and I bet you will learn a thing or two! Of course, going more in depth with your insurance knowledge is best so let this be a springboard for you to eventually dig into more insurance information!
Middle class America is most affected by the healthcare crisis. They are working and contributing to society but many are without medical benefits and can't find affordable or cheap health insurance. They make too much to qualify for Medicaid, but too little to afford the high premiums of insurance.
So you have decided to lease your car or may already have a leased car. You made sure you purchased the correct car lease insurance and your leasing insurance covers everything right? Unfortunately not.
If you acquire a long term illness or long term disability, do you want your relatives to pay for your care? If not, then long term care insurance may be a good choice for you.
When it comes time to file your homeowners insurance claim, it is important to find a fair and reputable contractor. Unfortunately there are contractors that prey on peoples fears and anxiety of what has just happened, especially when there is a large disaster area involved. Here is a recommended list of 6 steps to take in order to protect yourself and find an honest and legitimate contractor.
Why do you need a five step guide to auto insurance shopping? Because, if you want to get the best coverage for your buck, shopping smart for your car insurance is the way to do it. Also, car insurance is one of the top ways to chisel down your insurance budget if you know how to do it right.
The definition of a health insurance waiver is the ablilty one has to not use the health or medical insurance plan offered to them. Medical insurance or health insurance waivers are not as common as they were in the past. Because of tough economic times many companies are cutting back on health insurance waivers or eliminationg them althgether.
Do you have experience in the personal insurance industry? Here is your chance to get your article published on my site! I am looking to publish guest articles from experienced insurance professionals.
Are you getting cheap car insurance? Get your car insurance policy and compare your savings with this list to see if you are getting all of the savings you are entitled to, or print it out and use it when getting a new policy or obtaining an online car insurance quote. Page 2.
Sinkhole insurance is usually required for the mortgage on homes in areas prone to sinkholes. Learn what signs to look for and when to contact your insurance company if you find sinkhole activity.
Everyone needs dental care. Unfortunately, not everyone knows there are a variety of ways to pay for a dentist and dental care. There are more choices than just traditional dental insurance and those choices can save you money on your dental care. If you need a way to pay for your dental care and dentist fees, here are 4 dental care and dental insurance options you may want to consider.
There are many reasons why teens tend to be more distracted while driving. Parents and their driving habits play a key role and insurance will just keep going up for us all if we don't stop our distracted driving.
There are some perils that are not covered under a typical homeowners policy. Getting coverage for additional perils is typically not complicated as most insurance agents can add the additional coverage onto the current homeowners policy. Earthquake insurance, flood insurance, and mudslide insurance will give one protection against perils that are not generally covered.
What is an Insurance Agent? What type of education does an insurance agent have?
There are more choices than ever to find affordable health insurance. One can get their local phone book and search for insurance companies that provide health insurance coverage or one could get online and quickly find web sites that can provide a health insurance quote. But just looking for affordable health insurance coverage can lead to gaps in your health insurance coverage.
Don't want to have a garage sale because you just are not ready to part with all your stuff? If this is your thinking then you probably already have a storage unit or have looked into getting one. Storage units are great but make sure you have all your storage unit items covered with the right amount of insurance to avoid any losses.
The use of aftermarket car parts by insurance companies to fulfill a car accident claim is common. Aftermarket car parts are readily available and in most cases cost much less than OEM parts, or replacement parts by the original manufacturer. These are large reasons why insurance companies prefer to use aftermarket parts. But are lower costs worth the risks that some say are associated with aftermarket car parts?
When do I use my liability insurance coverage and is it required?
Long term care premiums and long term care costs don't have to be unaffordable. This long term care shopper's guide will help anyone find the best long term care insurance agent, company, and policy to best suit their needs.
You've bought everything else online, so why not car insurance? Many are now buying their car insurance online and finding that when they choose to shop from home to get an online auto insurance quote, they are getting more than just an insurance quote.
Because the insurance industry is regulated at the state level, the decision to use or not to use aftermarket parts is determined state-by-state. Some states allow insurance companies the use of aftermarket parts without consumers consent, some states require the consumer to be notified that aftermarket parts were used on their vehicle, some states require consumer consent for the use of aftermarket parts, and in a few states the use of aftermarket parts to repair a vehicle is banned. Page 2.
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Have you maxed out your 401K plan and traditional IRA and need another tax-advantaged retirement vehicle that doesn't force you into contribution limits? Are you a doctor, lawyer, CPA, architect, or financial planner? Are you already retired and worry that you may run out of money? If you answered yes to any of these questions, then you may want to look into an variable or fixed annuity.
Unfortunately, senior citizens are sometimes lured into insurance marketing proposals by insurance agents who only care about making money and not what is best for their customer. There are a lot of complex choices now when it comes to buying a new insurance policy or changing a current one so doing so should not be something a senior citizen should take lightly.
Having a pre-existing condition when shopping for health insurance can a difficult task. Understanding the definition of a pre-existing condition can be a good first step in obtaining a good health insurance policy.
Yikes! A car accident. Even if it is a minor car accident it can at the least be startling. And of course if there are people injured in the car accident or there is car accident damage to property, the emotions can be worse. It is important though for your safety and the safety of others, along with making your car insurance claim go much smoother, that you keep calm and understand before a car accident or crash, how to determine the extent of a car accident's damages and injuries.
Wealth transfer and asset protection are important topics for many baby boomers and seniors. A will and/or a trust can assign assets to beneficiaries, however these estate-planning tools are not designed to create wealth so much as they are to preserve it. In contrast, life insurance products instantly create wealth and can increase the amount passed on to a recipient.
Yes, there is a health care crisis and something needs to be done to change it, but for Barack Obama to claim that he can cure it all with the Obama health care plan seems too good to be true. Especially since he says that he will reduce premiums for people who already have health insurance. I see that doable for some, but some people still get health insurance at no cost, or very little cost. But, I kept reading and the very comprehensive Obama health care plan has some good ideas.
Being absolutely liable regardless of who is at fault is considered absolute liability or strict liability. Taking steps to reduce one's exposure to absolute liability is important to the insurance company.
Taking the right steps, such as calling your home insurance agent immediately and assessing and temporarily repairing damage to your home can make filing your home owners insurance claim a smoother process. Here are the 5 steps you should take when preparing and filing your home insurance claim.
Looking for cheap car insurance? Comparing car insurance quotes and car insurance rates is one of the best ways to find cheap car insurance. This worksheet is designed to help you compare online car insurance quotes and get recommended car insurance coverages.
Although continuing COBRA insurance coverage through one's employer is a good option for many, it may not be the best choice for everyone. Depending on one's health status, finding private insurance to fill the gap may provide adequate coverage without the costly price tag of COBRA insurance.
One important way to reduce your overall insurance costs is to avoid purchasing insurance policies that you do not need. So, which car insurance, life insurance, and travel insurance policies are not needed?
Having excellent medical insurance does not always guarantee travel health insurance coverage when traveling abroad. Purchasing an additional travel health insurance policy can cover possible problems that your current health insurance may not cover.
While long term care insurance might not be cheap, neither are the costs it covers. For most of us, the solution to all of this is to obtain insurance as early as possible when premiums are lower and before any pre-existing conditions arrive. But what is the solution when seniors are older and coverage is more expensive?
There are many ways to save with your homeowners insurance: Multiple Policy Discounts, Raising Your Insurance Deductible, Home Security Systems and Utilizing EFT Payments are just a few. Use this handy list when shopping for insurance online or with a local agent.
If you own a credit card you have probably been asked by the company if you would like to add credit insurance. Most are unfamiliar with this type of insurance and either decline it or accept it automatically without knowing if it is the right type of insurance for their needs. Credit insurance may be beneficial to some but just an unneeded cost for others depending on one's situation. Page 2.
Life, health, and disability insurance policies are a large part of one's work benefits. Unfortunately, when faced with a job loss, many loose these company group benefits. Your employee insurance benefits can be salvaged. By learning how to replace your work benefits before your job loss, you won't be dependant on your employee insurance benefits. Learning how to adequately replace your company group benefits is something everyone should learn now, before they are faced with a job loss.
Do you live in a state that is at a high risk for flood damage? Flood insurance helps one recover the costs due to a flood and the damage it causes and some states are at more risk than others.
Actual loss, or sometimes known as actual loss sustained, in insurance means that the actual loss is covered but still usually up to a certain limit.
Disability income insurance is designed to replace ones income when they are no longer able to work due to a disability. If a disability should happen, knowing when you will get your first check is a must, but all policies are not equal and how long you will wait for your money is specific to your policy.
Everyone needs to store their important insurance documents in a safe place. One of the best places for storage of one's insurance documents is a safe deposit box. A safe deposit box not only has the benefit to safely keep one's important insurance information but one may also be able to claim a tax deduction for the fee of the safe deposit box.
This guide will help you decide if long term care insurance is a good fit for you and it will educate you on how to choose and shop for long term care insurance. So, if you are thinking about purchasing a long term care insurance policy through your local insurance agent or would like to get an online insurance quote, this guide will steer you in the right direction to find the best long term care insurance policy for you.
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Although many insurance companies do not specifically cover infertility treatments, that doesnt mean every infertility treatment is excluded. Many plans may provide limited infertility insurance coverage or may be required, under state mandate, to provide some coverage.
Did you pay all your bills this month? Your insurance company wants to know. Credit scoring, the term used by insurance companies to rate your credit, has been a disaster for some consumers. Find out if your credit score can change your insurance quote or insurance policy.
Now that you realize social security may not be enough to take care of you through a disability, it is time to determine how much of a disability benefit you would like to receive from your disability insurance. Your estimated spending, income, investments, social security disability benefits and your partner's income are all things that you need to factor in when determining what disability benefit you want from your disability insurance. Included is a sample disability benefit worksheet.
As a parent, you know you need a life insurance policy, but how much? What is the minimum amount your survivors would need for the monetary loss of you or your spouse? It is estimated to raise a child from birth to college can cost anywhere in the neighborhood of $700,000! Here are some quick and simple ways to get an idea of how much your life insurance policy should be.
Of course, thinking about how marriage will affect insurance is not at the top of a couple’s list when the wedding vows are taking place, but with every life stage and change, insurance needs to be a priority. The basics such as name and address changes are not the only insurance evaluations that need to be considered before and after the marriage.
Understanding a reverse mortgage can be complicated. On fee that many are confused about is the reverse mortgage insurance. Homeowners usually pay mortgage insurance to protect the lender if the homeowner defaults on the loan so it is hard to understand why the homeowner should have to pay reverse mortgage insurance on a reverse mortgage.
Landscaping adds value to one's home. In addition, the plants that are used in landscaping can be expensive. Insurance companies realize if one's landscaping was destroyed it could be a huge financial loss and therefore do include some coverage for one's landscaping under their homeowners insurance policy.
Choosing a mobile home insurance policy does not have to be a hard task. Guest author Dan Seitz has provided this article on mobile home insurance to help explain the differences in mobile home insurance and homeowner insurance along with coverage options and cost concerns.
When one is looking for health insurance choices, there are a vast variety to choose from. Most people choose the health insurance from their employer or their spouse's employer. But, there are many unique lifestyle situations people face and that requires unique health insurance choices. Short term or temporary health insurance may be an option for some.
The doctor you choose to provide you with your health care services through your health insurance plan is important. This will be the person who can ultimately change your future health for the better or worse. Choosing your health insurance plan doctor should not be a quick decision, but a researched choice based on the doctor's credentials and performance along with how the doctor will work with your individual health insurance or family health insurance plan.
Getting your first insurance policy for your car may not be a priority but, it should be. Your first insurance policy protects one of your first investments, your car. But, your first insurance for your car can be complicated and often new car insurance shoppers fail to compare car insurance rates and in turn fail to reap the financial benefits of finding the best and affordable first insurance policy available to them.
Homeowners in Broward County, FL, complained to their insurance commissioner that mold in their homes was making them sick and their insurance agents were refusing to pay. The mold issue has been a new and increasing problem for consumers and insurance officials to agree upon. Although doctors agree some mold can be toxic, and if the problem spreads the homes can be inhabitable, insurance companies claim it is not covered.