Commercial Insurance Web Leads #commercial #insurance #leads, #business #insurance #leads, #business #insurance


In addition to offering the best Commercial Insurance Leads in the industry, we give you the ability to set when you accept leads and even what coverage and/or industries you would like to target. You can select as few or as many states as you like, what days and hours you wish to accept lead delivery, as well as your maximum # of leads per day. The coverage and industry filters allow you to select as many or as few coverage and industry combinations as you like.

Bond | BOP | Commercial Auto | Commercial Property | Liability | Workers Compensation

Accounting Financial | Advertising, Design | Media Services | Agricultural | Associations Religious Orgs | Auto Dealers, Service, Equipment | Cleaning Services | Computer, Web, IT Svcs Tech | Construction Contracting | Consultants – Management Marketing | Design Professionals | Energy | Entertainment, Hotels, Recreation | Home Based Business | Insurance Professional Stock Brokers | Laundry | Lawn Care / Landscaping | Lessors Risk | Manufacturers | Marine | Medical, Health, Wellness | Nonprofit / Social Services | Pet Services | Photography Video Services | Printing Copying | Professional Specialty Services | Professional Installers | Real Estate, Title Mortgage | Restaurants Bars | Retail | Salons Personal Services | Schools | Services Miscellaneous | Transportation – Trucking | Transportation – Uber/Lyft/Taxi/Limo | Wholesalers


Lead contact-ability is one of the yardsticks by which lead quality is measured. It is the measure of how often you can get in touch with a lead via phone or email. We take this measurement very seriously and our goal is for you to be able to reach your prospects 100% of the time. As a matter of fact, we already have industry leading lead contact-ability levels and we are always working to improve them for you.

Business owners searching for commercial insurance find our site using the major search engines. Some of these visitors complete our web form that helps them select the appropriate set of coverages for their business. Once they submit the form, we run a series of automated quality checks to make sure the lead is valid. Additionally, we phone verify many of the leads ourselves to make sure they meet our standards. We then match the prospect to the agent that is the best fit. We also display that agent’s contact information to the prospect and deliver the lead to the agent all in real-time.

Have more questions? Check out our FAQ for answers to common questions or feel free to give us a call!

Best Cheap Car Insurance in Washington, D #cheapest #auto #insurance #in #washington


Best Cheap Car Insurance in Washington, D.C.

Finding cheap auto coverage in Washington, D.C. can be challenging. District of Columbia car insurance comes with some of the steepest prices in the country because of several factors, including high population density and accident frequency. Car insurance rates are also plain unpredictable; a single policy can fetch quotes that are thousands of dollars apart, depending on the insurer.

To help D.C. drivers simplify their shopping and get a quality deal, NerdWallet researched rates from the five largest insurance companies operating in the district and found the three cheapest options for these driver types:

Drivers with a military connection

also in this article

Minimum D.C. car insurance requirements

Alternative car insurance in D.C.

Cheapest for good drivers

For drivers with no at-fault accidents, DUIs or moving violations.

NerdWallet is a free tool to find you the best credit cards, cd rates, savings, checking accounts, scholarships, healthcare and airlines. Start here to maximize your rewards or minimize your interest rates. Alex Glenn


Drivers in their early 20s typically don t have families, expensive cars or high-priced assets to protect — and can usually get by with less car insurance than older, more established motorists. As a result, young drivers can find pretty cheap Washington, D.C. car insurance. USAA again led the field with the cheapest estimate in our analysis. Geico returned a sample quote under $38 a month, which probably won t break even a young driver s budget.

Cheapest for drivers with one at-fault accident

NerdWallet is a free tool to find you the best credit cards, cd rates, savings, checking accounts, scholarships, healthcare and airlines. Start here to maximize your rewards or minimize your interest rates. Alex Glenn


NerdWallet is a free tool to find you the best credit cards, cd rates, savings, checking accounts, scholarships, healthcare and airlines. Start here to maximize your rewards or minimize your interest rates. Alex Glenn


Your risk profile goes up if you have at-fault accidents on your record, which could mean higher premiums when shopping around. In our test, causing just one incident raised a driver s lowest available quote by almost $400 a year. That said, rates could be a lot worse. Sample prices nearly reached $5,000 a year on the high end of our study, proving that drivers with spotty records can benefit more than just about anyone else from comparing as many offers as possible.

Cheapest for drivers with poor credit

For drivers placed in the lowest credit tier as determined by the industry.

NerdWallet is a free tool to find you the best credit cards, cd rates, savings, checking accounts, scholarships, healthcare and airlines. Start here to maximize your rewards or minimize your interest rates. Alex Glenn


NerdWallet is a free tool to find you the best credit cards, cd rates, savings, checking accounts, scholarships, healthcare and airlines. Start here to maximize your rewards or minimize your interest rates. Alex Glenn


Frustrating as it may be, having a low credit score can be particularly damaging to your D.C. car insurance premium. The lowest average quote in our test — from Geico at $1,608 per year — was about $550 a year more than lowest price offered to good drivers of the same age with no credit issues. State Farm offered a significantly higher sample price.

Cheapest for retired drivers

For drivers in their mid- to late 60s who no longer use their car for commuting.

NerdWallet is a free tool to find you the best credit cards, cd rates, savings, checking accounts, scholarships, healthcare and airlines. Start here to maximize your rewards or minimize your interest rates. Alex Glenn


NerdWallet is a free tool to find you the best credit cards, cd rates, savings, checking accounts, scholarships, healthcare and airlines. Start here to maximize your rewards or minimize your interest rates. Alex Glenn



For most categories, NerdWallet averaged rates from the largest insurers for 30-year-old men and women in 10 ZIP codes and with 100/300/50 liability insurance limits, 100/300 uninsured and underinsured motorist bodily injury coverage, and $50,000 uninsured and underinsured property damage coverage. We used a 2012 Toyota Camry in all cases.

Our sample retired driver was 67 and drove 50% fewer annual miles than other groups. Our sample young driver was 22 and carried the minimum required coverage. These are sample rates generated through Quadrant Information Services. Your own rates will be different.

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Types of Insurance #types #of #insurance, #insurance, #life #insurance, #health #insurance, #different


Types of Insurance

Based on Today’s life style the list of types of insurance is increasing day by day. You will find a lot many numbers of new insurance policies which you might have not heard before. One of the most important and compulsory insurance for vehicle owners is: third party insurance. Read about insurance companies in india. The main types of insurance policies available in the market are:

  • Life Insurance: In this policy, the insurance company pays in case of the demise of the policy holder or at the time of the maturity of the policy. Now a days a new policy has been launched by insurance companies in which you will be covered under the insurance policy even after the maturity of the policy. Read what are the different types of life insurance and which one is good for you.
  • Property Insurance: This insurance helps you to prevent the losses against theft, fire, burglary or any natural calamity like Earthquake, Floods etc. based on the points mentioned in the policy.
  • Health Insurance: Health Insurance consists of a package of various types of insurance related to health. For example Medical Insurance is one the major part of health insurance however in most of the cases, dental issues are not covered in this policy so there is another Dental Insurance policy which covers dental problems and is also a part of health insurance. The subcategory of health insurance also involves the injuries or accident at workplace insurance benefits.
  • Auto Insurance: Any financial loss due to accident of a vehicle is covered under the auto insurance policy. Sometimes the expenses on the medicines for treating injuries and all other medical expenditure are also covered under this policy.
  • Travel Insurance: Loss of personal belongings while traveling, medical coverage, delays in the travel are all part of the travel insurance policy.
  • Insurance at Amusement Points: This is a one of the new kinds of insurance policy (not very popular in India) where in you are insured against the equipments that you are using at the amusement joints. For example: if you are using boats for an independent boat ride. then they will charge you with some extra money for an property loss(say $5) and in case of any property damage you will not be liable to pay any amount required to repair the damaged property.
  • Credit Insurance: This type of insurance pays the loans of the policy holder in case of any accident of the policy holder or job loss or death.
  • Third Party Insurance: This type of insurance covers damages caused by you (first party) to others (third party). For more details visit third party insurance.

Apart from these above mentioned insurance policies there are many other types of insurance policies in the market (and the list keeps on increasing) that are more or less related to these policies however providing benefits to the policy holders in a different and unique way.

Car Insurance for 18 Year Olds #car #insurance #for # #year #olds


Car Insurance for 18 Year Olds

Get more information about car insurance for 18 year olds

You’re 18, you have a driving licence and access to a car – you’ve got the world at your feet –but you’ve also got some of the most expensive motor insurance premiums holding you back.

Statistically speaking, young drivers are among those most likely to be involved in an accident and therefore make a claim on their insurance. Car insurance companies set higher premiums for younger drivers to offset the increased risk of having to pay out.

You could actually be a very safe driver, but you’ve probably not got a lot of proof of that. Even if you passed your test pretty soon after turning 17, you’ll still only have a year’s worth of no claims bonus, at best.

But you’re not necessarily doomed to pay sky-high prices for cover, as there are things you can do to help bring costs down. Here’s a look at the cost of car insurance for 18 year olds, and how you can save money on it.

Is cheap car insurance for 18 year olds possible?

The amount you pay for car insurance is based on how likely it is you’ll make a claim for damage or theft.

Insurance companies have a lot of data on car insurance claims and the people who make them. They use this information to assess how likely it is you’ll make a claim. The data they use concerns things like your age, driving experience, location and occupation.

As young drivers are more likely to be involved in an accident than middle-aged drivers, perhaps due to their relative lack of experience on the roads, they tend to pay more for cover.

As you get older, earn your no claims bonuses and get more experience on the roads, you’ll start to see your motor insurance premiums fall. In the meantime, however, there are things you can do to reduce your premiums.

It used to be that young women paid less for cover than young men, as once again statistics show men are more likely to be involved in an accident. However, the European Court of Justice’s (ECJ) Gender Directive means that insurers can no longer discriminate on the grounds of gender.

For more money saving ideas, visit our young driver car insurance page.

Types of cover

There are three basic levels of car insurance cover and, generally speaking, you’ll find that, as the cover gets more comprehensive, the price goes up.

The lowest level of cover you must legally have before taking a vehicle on the road is third party cover. This type of cover only protects you against damage to other people and their property.

It might be the cheapest of the three options, but if you have third party only cover and you’re involved in an accident, you’ll have to pay for repairs to your own vehicle out of your own pocket.

Next is third party, fire and theft cover, which also protects you against fire damage and theft, but not against damage to your vehicle caused by a road traffic collision.

Finally, there’s fully comprehensive cover, which protects you against everything already mentioned, plus any damage caused to your own vehicle.

Of course you can opt for a lower level of cover to save money, but it could prove a false economy if you’re involved in an accident and end up with a huge repair bill.

With any policy there are also the optional extras such as a courtesy car, breakdown cover and legal expenses cover, which will inflate your premiums. You can always forego these extras to keep your costs down, but think carefully about whether or not you’ll need some of them.

Consider telematics car insurance

If you feel unfairly persecuted by the cost of car insurance for 18 year old drivers, you might want to consider telematics car insurance. Otherwise known as ‘black box’ insurance, telematics policies give you a tailored quote based on how you drive.

A small device is fitted to your vehicle which, using satellite technology, measures your speed, braking, acceleration and mileage – giving the insurer a comprehensive and accurate impression of how you drive. If you are a good driver and don’t travel very far, it could result in cheaper car insurance for 18 year old drivers.

If you’re 18, you may be off to university soon, and only want to use your car when you’re back at home. In that case, temporary car insurance for 18 year olds may be the answer. Typically this short term car insurance covers you for between 1 and 28 days and is therefore cheaper than insuring a vehicle for a full year.

Get cheap car insurance for 18 year old drivers

Adding an older or more experienced driver to the policy as a named driver can help to lower your premium as, in theory, having another driver on the policy reduces the time you’ll spend behind the wheel.

Adding an older or more experienced driver to the policy as a named driver can help to lower your premium

You should never have an older or more experienced driver ‘front’ the policy for you by posing as the main driver if you are the real main driver of the vehicle. This is known as fronting, is illegal, and if you’re found out you could face prosecution for driving without insurance.

As young drivers are penalised for having relatively little experience on the roads, you could always take an advanced driving course to show insurers you have a bit more experience behind the wheel. The Driving Standards Agency’s Pass Plus course can help to bring your costs down by up to 35% with some insurers.

Keeping your vehicle secure will reduce the chances of it being stolen or damaged and earn you cheaper cover. For example, keeping your car in a locked garage overnight is more secure than having it parked on the street, and is reflected in cheaper premiums. Similarly, installing insurer-approved security equipment such as steering wheel locks and immobilisers should bring down the cost of your insurance.

And finally, driving safely and without making a claim will earn you a no claims bonus at renewal time, as doing so demonstrates to insurers you are a good driver.

Did you find this helpful? Why not share this article?

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Beech Bonanza #baron #insurance


Welcome to the Beech 33/35/36 Bonanza (and Debonair/Mentor/Baron/Travel Air) Page

Not affiliated with Beech, Raytheon Aircraft, Ben & Jerry’s, or anybody else. just love to fly!

The Bonanza Home Page is dedicated to furthering the fellowship and airmanship of the Bonanza – best light plane made – and the Bonanza Pilot, the most discriminating around!

We’re new at this web page thing, so for the next couple of weeks/months you’ll be seeing a work in progress. Watch out!

For more information, click the following links.

  • We’d like to place a picture of your plane here!

Send me one or more gif or jpeg images and a some descriptive text and I’ll place them on a page with a link in this section. Alternatively, send me some photos and a self addressed stamped envelope and I’ll scan them with my new HP 4c scanner, put the images on this page, and return the photos to you.

  • George Norris’s impressions after his first 30 hours flying a 1970 V35B.

  • Itching to upgrade to a TCM IO-550? Bill Hale offers some advice. Or ask Joe Garner about the recent IO-550 upgrade to his N35.
  • Here’s a 337 (and additional information) for a set of front seat shoulder harnesses for a Bonanza.

  • Interested in a ski tube? Here’s the front and back of an FAA 337 form describing one.

  • Here’s a set of Microsoft Word templates with which one can create and complete an FAA 337 form on a PC with an attached laser printer. Select: Form 337 front template file and/or Form 337 back template file. Or, ftp into, user “anonymous”, and use your e-mail address as the password. Look in the /pub/337 directory.

  • Here’s a J35 checklist in html format and MS word format, formatted to fit on 5 inch by 7 inch cards. Or grab the MS Word version via ftp as directed for the form 337 above.

  • Several shops that have been highly recommended:

    • Lawson Barber, Barber Aviation, 4130 Madera Dr, Madera CA (MAE), 559-675-0183

    L.B. owns a Bonanza (a ’47, I think), so he knows more than most how to fix ’em. So far, everything he’s predicted has turned out *exactly* that way, and his suggestions are reasonable. (submitted by rd)

  • David Monti, Rebuilt Aircraft Incorporated, Douglas County Airport, P.O. Box 1386, Minden, NV 89423 (MEV), (775) 782-5282, 782-5225 (fax)

    I’ve been bringing my Bonanza to Dave since I relocated to California several years ago. I always enjoy working with Dave and his crew. Dave specializes in Bonanza’s and Baron’s and has a wealth of used Beech parts. (submitted by hgp)

  • Dan Towery, Towery Aircraft Service, Delaware Air Park, P.O. Box 316, Cheswold, DE 19936 (302) 674-4242

    Dan serviced my plane when I lived in New Jersey. I enjoyed working with Dan and recommend him. Be nice to Dan and maybe he’ll give you a ride in his Funk. He also has a selection of used Beech parts. (submitted by hgp)

  • Santa Ynez Air Center, Santa Ynez Valley Airport, P.O. Box 960, Santa Ynez, Ca 93460, (805) 688-2437 Alan Jones, General Manager

    I have a restored 1974 V35B and this is far in a way the best maintenance I’ve found in California. Additionally, Alan owned a G35 for many years, so he is extremely knowledgeable about older V-tails. I found them because the ABS hosted a service clinic at their facility last year, and you couldn’t help noticing that everything, (including the white epoxy floor) was spotless

    If you haven’t been to Santa Ynez, it’s a nice visit – a small valley with good wineries. It’s actually quite similar to Napa 20 years ago, and only 30 minutes from Santa barbara beaches. (sumbitted by ag)

  • Obtain the set of FAA records on your plane, including 337’s, previous owners, liens. etc. Here’s how.

  • Here’s an outfit which sells a set of balanced fuel injectors for your TCM IO-470, IO-520, or IO-550, which in theory, enables one to lean the engine so that all cylinders peak at about the same time, saving fuel.

  • Noise: It’s the same old story. The airport was built in the middle of nowhere. Developers build homes on adjacent land and sell them to unknowing homeowners-to-be. Complaints start, etc. The fact that the airport preceeded the homes, interesting as it may be, is not necessarily relevent. In any event, perhaps it’s a good idea to be a good neighbor. Here’s an interesting article about controlling propeller noise .

  • Here’s some info from Starr Aircraft Products (tel 903 893-1106/fax 903 893-0551). They have the following 10 models of the Plumly fuel flow computers (a.k.a. “whiz wheels”) at $29.95 each, including shipping. Unfortunately, they do not have any plans to manufacture models for the 550 series. (Thanks, R.V.)

    260 Baron p/n 55-590000-57
    260 Baron p/n 55-590000-23
    285 Baron p/n 55-590004
    285 Baron p/n 55-590011
    225 Debonair p/n 33-590018
    260 Bonanza p/n 33-590028
    260 Bonanza p/n 35-590097
    285 Bonanza p/n 33-590023
    285 Bonanza p/n 35-590120-1
    V35B Bonanza p/n 35-590117

    This just in: I’ve been told that the price is now $81.90.

  • Interesting in installing 20 pound lead weights in the engine keel area of your Bonanza? Here’s the front and back of an appropriate 337 form.

  • Automobile Club of Southern California #california #auto #insurance #company




    Vehicle Discounts

    Policy Discounts

    Driver Discounts

    Auto Club membership requires the separate payment of annual dues and an admission fee for new members.

    1 Average savings claims from a 7/01/15 – 6/30/16 multi-state survey of new auto insureds who switched to AAA coverage and reported savings.

    2 Discounts may apply to specific drivers, vary by policy and are conditional. The auto + home multi-policy discount requires an active auto policy and homeowner policy through the Auto Club.

    3 Drivesharp program. Must have proof of course completion (sent directly to us). Have 49 or more years of driving experience Have no more than one good driver point during the 36 months immediately preceding the date the discount is added to the policy Have no principally at-fault accidents or citation convictions after the course certification completion date. NOTE: Any traffic conviction or principally at-fault accident occurring after the most recent certification completion date disqualifies a driver from receiving this discount and will cause an existing Driving Course Discount to be eliminated at the next policy renewal.

    4 Warranty applies to each claims repair under the program and is non-transferable. Workmanship excludes parts and materials. Other restrictions apply.

    5 Requires the purchase of a new auto policy by 9/30/2017 and $1,000 minimum future cruise or land vacation purchased with one of our Preferred Travel providers booked through AAA Travel, before 12/31/2017 for travel by 7/31/2018. Allow at least 12 weeks for certificate delivery. Certificate lists other restrictions.

    6 This information is a helpful summary only and is not a comprehensive definition of all coverages, qualifications, limitations, etc. Please consult the policy and one of our insurance agents for more information.

    7 For members with liability-only or other limited coverage with Interinsurance Exchange of the Automobile Club (“Exchange”), roadside assistance after an accident is provided under your membership (not your insurance policy), and is subject to membership restrictions. Repairs, rentals and other benefits are subject to policy coverages and limits.

    AAA insurance is a collection of AAA branded products, services and programs available to qualified AAA members. AAA personal lines insurance is provided by Interinsurance Exchange of the Automobile Club.

    Life insurance is underwritten and annuities are provided by AAA Life Insurance Company, Livonia, MI. AAA Life is licensed in all states, except NY. The Motor Club and/or its affiliates acts as an authorized agent for their affiliate insurers, including AAA Life. AAA Life CA Certificate of Authority #07861. CA DOI LIC. #0003259.

    Collision Insurance and Comprehensive Insurance Explained #collision #insurance, #comprehensive #insurance, #comprehensive #coverage,


    Optional Automobile Insurance

    Collision Insurance

    Collision insurance coverage pays for damage caused to your vehicle in an automobile accident, when you are at fault . A standard collision automobile insurance policy will pay for any repairs up to the fair market value of your car.

    It is important to remember that this value can be significantly lower than the cost of replacing your vehicle (or your loan balance.) If your car is financed or leased, you will need gap insurance to reimburse you for the difference between what you owe and what the car is worth.

    Collision coverage usually also comes with an insurance deductible. It’s the amount of money you pay toward repairs before your collision insurance kicks in. The higher the deductible you’re willing to pay, the less the collision policy will cost .

    Collision insurance coverage is not required by law in any state. However, if you’re driving a car purchased from a dealership or financed through a lender, you may be required by the dealership or lender to carry collision insurance. (And just to be sure, you should get gap insurance. )

    Comprehensive Automobile Insurance

    Comprehensive is very similar to collision insurance, the main difference being that comprehensive covers damage caused to your vehicle caused by any unknown party or act of God .

    Vandalism, flood, hurricane, theft, and fire are all events usually covered by comprehensive automobile insurance. (But make sure to read your comprehensive insurance policy for exact coverage details.)

    Like collision automobile insurance, comprehensive coverage will pay up to the fair market value of your car (less your insurance deductible.) And although it’s not legally required by any state, you will probably need it if your car is financed.

    Hot tip: Your collision and comprehensive automobile insurance policies are two places where it can be pretty easy to cut costs. Read our guide to choosing car insurance for money saving strategies!

    Get up to ten fast free quotes from ComparisonMarket or try Netquote for local agents.

    Automobile Insurance Endorsements

    Automobile insurance endorsement is just a fancy term for any of those policy extras like towing insurance, auto glass insurance, daily rental insurance, and emergency roadside insurance.

    These policies are never required by any state, but many drivers value the security and convenience they provide.

    Here’s what you get for your money:

    auto towing insurance pays for (you guessed it) towing your car anytime you need it

    auto glass insurance gives you a lower deductible (or no deductible) when it comes to repairing any broken window on your car.

    daily rental insurance covers the cost of a rental car while your car is being repaired because of a covered event. (So you’ll usually need both comprehensive and collision insurance to qualify.)

    emergency roadside assistance covers repairs done on the spot. Changing a flat roadside may be covered, but you’ll have to pay for any repairs at the garage. This policy is often combined with auto towing coverage, and called roadside emergency towing insurance .

    In some states, medical payments coverage and uninsured/ underinsured motorists coverages are voluntary coverages. In others, they’re mandatory. Find your state requirements here .

    Want to learn even more?

    Take our quick auto insurance course. and learn the step-by-step to get the most out of your auto insurance policy for the least amount money.

    Life Insurance Home, home protection plan insurance.#Home #protection #plan #insurance


    Life Insurance

    Home protection plan insurance

    The SGLI Online Enrollment System (SOES) allows Servicemembers with full-time SGLI coverage to make fast and easy changes to their life insurance coverage and beneficiary information any time without completing a paper form or making a trip to their personnel office.

    Home protection plan insurance

    Search for Unclaimed Funds

    Are you a current or former VA life insurance policyholder? Could you be the beneficiary to a VA life insurance policy? Visit our Unclaimed Funds search page to search our database of unclaimed insurance funds and find out if we are holding money for you!

    Home protection plan insurance

    Set up automatic deductions from your bank account for your Veterans Group Life Insurance (VGLI) coverage! Set it and forget it!

    Home protection plan insurance

    This short video shows five Veterans talking about why they have Service-Disabled Life Insurance and why other Servicemembers and Veterans should consider it. The video includes a list of the primary qualifications for applying. View the video.

    Home protection plan insurance Home protection plan insurance

    Home protection plan insuranceAbout Life Insurance

    As part of our mission to serve Servicemembers, Veterans, and their families, VA provides valuable life insurance benefits to give you the peace of mind that comes with knowing your family is protected. VA s life insurance programs were developed to provide financial security for your family given the extraordinary risks involved in military service.

    Insurance News

    The SGLI Online Enrollment System (SOES) is Now Live for Navy and Air Force Servicemembers

    Beginning August 2, 2017, Air Force members can manage their Servicemembers Group Life Insurance (SGLI) coverage using the SGLI Online Enrollment System (SOES). Air Force members join their fellow Navy members in using the new system. Navy began using SOES on April 5, 2017. Air Force and Navy members should look for information from their service about when they should access SOES to confirm and certify their SGLI elections.

    SOES access for other branches of service is planned for release on the following schedule*:

      • Army October 2017
      • Marine Corps December 2017
      • Coast Guard, National Oceanic and Atmospheric Administration February/March 2018

    *This schedule is subject to change.

    SGLI provides automatic life insurance coverage of $400,000 to Servicemembers upon enlistment. Members with SGLI also get automatic coverage for their dependent children and spouses (unless the child or spouse is insured under SGLI as a Servicemember) under the Family SGLI program and traumatic injury protection (TSGLI). Servicemembers with full-time SGLI coverage will no longer have to complete a paper SGLV-8286 to make changes to their coverage or beneficiary elections. Instead, these Servicemembers can use the online system, SOES, to manage the amount of their SGLI and spouse coverage and to designate or update beneficiaries.

    To access SOES, go to, sign in, and go to Benefits, Life Insurance SOES- SGLI Online Enrollment System. Servicemembers can log in with their CAC or with their DS Logon using Internet Explorer as soon as they receive notice that SOES access is available. Servicemembers can then make sure their SGLI coverage and beneficiaries are up-to-date.

    Home protection plan insuranceBenefit Description

    Servicemembers’ Group Life Insurance (SGLI) is a low-cost group term life insurance program for Servicemembers. Coverage can be extended for up to two years if the Servicemember is totally disabled at separation.

    Veterans’ Group Life Insurance (VGLI) allows Veterans to convert your SGLI to a civilian program of lifetime renewable term coverage after separation from service.

    Family Servicemembers’ Group Life Insurance (FSGLI) insures spouses and children of Servicemembers with SGLI coverage. Spousal coverage may not exceed the Servicemember’s coverage. Dependent children are automatically covered at no charge.

    Servicemembers’ Group Life Insurance Traumatic Injury Protection (TSGLI) is an automatic feature of SGLI that provides payments to Servicemembers who suffer losses, such as amputations, blindness, and paraplegia, due to traumatic injuries that occur in service.

    Service-Disabled Veterans’ Life Insurance (S-DVI) provides life insurance coverage to Veterans who have been given a VA rating for a new service-connected disability in the last two years. Totally disabled Veterans are eligible for free coverage and have the opportunity to purchase additional life insurance.

    Veterans’ Mortgage Life Insurance (VMLI) provides mortgage life insurance protection to disabled Veterans who have been approved for a VA Specially Adapted Housing (SAH) grant.

    Home protection plan insuranceEligibility Requirements

    Do you Qualify for VA Insurance?

    Follow this link for an easy way to find out if you are eligible for all our programs, including Service Disabled Veterans Insurance (S-DVI), Veterans Group Life Insurance and Family SGLI, TSGLI, and Veterans Mortgage Life Insurance. You ll find infographics (timelines and charts) for each program.

    Servicemembers’ Group Life Insurance (SGLI) Coverage is automatic for most active duty Servicemembers, Ready Reserve and National Guard members scheduled to perform at least 12 periods of inactive training per year, members of the Commissioned Corps of the National Oceanic and Atmospheric Administration and the Public Health Service, cadets and midshipmen of the U.S. military academies, and ROTC members. Learn More

    Veterans’ Group Life Insurance (VGLI) Servicemembers with full-time SGLI coverage are eligible to convert SGLI to VGLI after separation from service. Learn More

    Family Servicemembers’ Group Life Insurance (FSGLI) Term life insurance coverage is automatically provided to spouses and dependent children of Servicemembers insured under SGLI. Learn More

    Servicemembers’ Group Life Insurance Traumatic Injury Protection (TSGLI) All Servicemembers insured by SGLI are automatically covered by TSGLI. Learn More

    Service-Disabled Veterans’ Insurance (S-DVI) Servicemembers who were released from active duty under other than dishonorable conditions after April 25, 1951, AND have been granted service connection for any disability (even 0 percent) within the last two years, AND are in good health except for any service connected conditions may be eligible. Learn More

    Veterans’ Mortgage Life Insurance (VMLI) VMLI is available to Veterans who received a Specially Adapted Housing Grant (SAH), have title to the home, and have a mortgage on the home. Learn More

    Home protection plan insuranceApplication Process

    Servicemembers’ Group Life Insurance (SGLI) SGLI coverage is automatic. Use SGLV 8286 to designate beneficiaries, or reduce, decline or restore SGLI coverage.

    Veterans’ Group Life Insurance (VGLI) Complete and file form SGLV 8714 or apply online.

    Family Servicemembers’ Group Life Insurance (FSGLI) Complete and file form SGLV 8286A to decline, reduce, or restore FSGLI coverage.

    Servicemembers’ Group Life Insurance Traumatic Injury Protection (TSGLI) Coverage is automatic for all Servicemembers covered by SGLI. To file claim for the TSGLI benefit, complete and file SGLV 8600.

    Service-Disabled Veterans’ Insurance (S-DVI) apply for S-DVI online or complete and file form VA 29-4364.

    Veterans’ Mortgage Life Insurance (VMLI) Complete and file form VA 29-8636, Application for Veterans’ Mortgage Life Insurance.

    When is A Vehicle Considered a Total Loss? #total #car #insurance


    When is A Vehicle Considered a Total Loss?

    When and whether a vehicle involved in a collision is considered to be “totaled” for first-party insurance purposes is an issue of great angst and confusion for most consumers. We hear horror stories about older, functioning automobiles being “totaled” simply because the frame is bent or other seemingly minor and hidden damage occurs. Even insurance professionals can get turned around navigating the maze of rules and regulations regarding the act of “totaling” a vehicle under a policy. But it needn’t be all that complicated. This article will hopefully help take the guess-work out of when a car can be “totaled.”

    Typically, cars are considered to be “totaled” when the cost to repair the vehicle is higher than the actual cash value (ACV) of the vehicle. Practically speaking, however, it is not always practical to repair a vehicle, even if the cost of repair is less than its ACV. A vehicle worth $4,000 requiring $3,000 in repairs might be considered “totaled” by an insurer even though the cost of repair is less than its value before the accident. Insurance companies will typically consider such a vehicle to be a total loss, even though the repairs are only 75 percent of ACV.

    While the procedure varies slightly from state to state, the insurance company will typically take ownership of the totaled vehicle (known as “salvage”) and may obtain a “salvage title” for the vehicle. After it pays it’s insured the pre-loss ACV of the vehicle and forwards the certificate of ownership, the license plates and a required fee to the Department of Motor Vehicle (DMV), the DMV then issues a Salvage Certificate for the vehicle. In some cases, the vehicle is repaired, re-registered with the DMV, and then classified as a “revived salvage or salvaged vehicle. Of course, if the insured wants to keep the “totaled” vehicle, the insurance company will deduct the value of the salvage from the claim payment.

    The criteria for deciding when a car is a total loss and when it can be repaired vary from insurance company to insurance company and might even be dictated and controlled by state statute or regulation. Further complicating the issue is the fact that insurance companies do not all use the same sources for determining the value of a vehicle. The threshold used by your insurance company to make this determination can be discovered by calling your insurance agent. Insurance professionals, on the other hand, have to be familiar with these rules, criteria, and thresholds in all 50 states.

    In determining whether a vehicle is totaled. insurance companies will calculate the total loss ratio (cost of repairs/actual cash value) and then compare this ratio to limits set either internally within the company and/or regulated and established by state law. It is also sometimes referred to simply as the damage ratio. Some states dictate how high this damage ratio needs to be in order to be able to declare a vehicle a “total loss” and be eligible for a salvage title or certificate. This is referred to as the Total Loss Threshold (TLT). In order to total a vehicle, the total loss ratio must exceed the established percentage. If the TLT is not dictated by the state, an insurance company will usually default to something known as the Total Loss Formula (TLF) which is:

    Cost of Repair + Salvage Value Actual Cash Value

    If the sum of the first two quantities is greater than the ACV, the car can be declared a total loss. As an example, a damaged 2002 Toyota Echo with 185,000 miles in good condition has an ACV of approximately $2,800. Total repair costs are estimated at $2,000, for a damage ratio of 72 percent. This car would be considered a total loss in Arkansas, where the TLT is 70 percent, but not in Florida where the TLT is 80 percent. In Illinois, the TLF would be used and, if the salvage were worth $700, the car would not be totaled ($2,000 + $700 $2,800). Of course, states utilizing the TLF rely on and defer to the judgment and opinions of licensed appraisers. Individual state laws provide the following with regard to the TLT:

    States frequently dictate this TLT as part of legislating salvage titles. As an example, in Wisconsin, § 342.065(1)(c) reads as follows:

    (c) If the interest of an owner in a vehicle that is titled in this state is not transferred upon payment of an insurance claim that, including any deductible amounts, exceeds 70% of the fair market value of the vehicle, any insurer of the vehicle shall, within 30 days of payment of the insurance claim, notify the department in writing of the claim payment and that the vehicle meets the statutory definition of a salvage vehicle, in the manner and form prescribed by the department.

    Many states have exceptions to these rules for older vehicles which tend to complicate the issue. Typical policy language regarding total losses is as follows:

    We will pay the cost to physically repair the auto or any of its parts up to the actual cash value of the auto or any of its parts at the time of the collision. The most we will pay will be either the actual cash value of the auto or the cost to physically repair the auto, whichever is less. We will, at our option, repair the auto, repair or replace any of its parts, or declare the auto a total loss. If, the repair of a damaged part will impair the operational safety of the auto, we will replace the part.

    Understanding the procedure behind declaring a vehicle a total loss isn’t always a prerequisite for successful subrogation. But there are occasions when the third-party tortfeasor and its liability carrier or attorney will question the amount of damages you are looking to subrogate. In such instances, a working knowledge of this area of insurance becomes indispensable.

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    2017 Claims Journal

    Whole Life Insurance Rates, cheapest life insurance policy.#Cheapest #life #insurance #policy


    Whole Life Insurance

    Whole life insurance is a great choice for people who want the security of a policy that never expires coupled with an investment vehicle suitable for reaching / managing financial goals.

    What is Whole Life Insurance?

    Unlike term life insurance, which expires after a set number of years, whole life insurance is a type of permanent life insurance that lasts as long as your payments are made, and it cannot be revoked because of the discovery of a medical condition. This is reason enough for most people to add whole life insurance to their short list of life insurance options, but the attractiveness of this product goes far beyond its irrevocable nature – whole life assurance comes with a host of other financial benefits as well. Whole life insurance features consistent premiums, also known as level premiums, which do not change over the life of the policy. Because the policy / premium cover death benefits and investments, the cash value of the policy actually grows over time, paying dividends to the owner of the policy. If term life is the base model of life insurance, whole life would be considered the luxury item, with whole life insurance benefits such as collateralized loans and other unique ways to tap into the policy’s value as some of the key differences over other life insurance products. With that luxury comes a price tag, and it is true that whole life insurance rates tend to be higher than that of a simpler life insurance product. Just because it can me more expensive doesn’t mean you should rule it out – our partners offer a whole life insurance rate quote to you for free, giving you the flexibility to price out your options before committing to a policy. Whole life rates can vary from provider to provider, so we strongly encourage you to use a service like ours to make whole life insurance comparisons easy and reliable.

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    Taking measures to protect your house and vehicle is an important part of maintaining peace of mind when you are on the road or have invited guests into your home. The challenge is finding the right policy to address your concerns and needs in Minnesota. In general, Pinnacle insurance agents can help you find the right protection for your situation and your goals.

    Auto Coverage

    Minnesota is a no-fault state, so the auto insurance that you are required to purchase will include liability protection, no-fault coverage and under-insured motorist plans. Additional auto insurance depends on your personal needs and goals, so Pinnacle insurance agents can help you find the right policy to address your concerns. An agent will explain the options so that you can finalize a plan that is appropriate for your situation and your goals.

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    A home insurance policy that can address your concerns will depend on the situation. For example, you may want to buy a basic plan or you may want to add protection for specific items that you keep in the house. As a general rule, home insurance should offer protection against common threats and liability concerns. Additional coverage may be necessary if you are concerned about flooding or similar risks, since some plans may not cover the risk of flooding or certain types of damage.

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    Top 10 Life Insurance Myths, million dollar life insurance rates.#Million #dollar #life


    Top 10 Life Insurance Myths

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    Life insurance can be tricky to figure out with all its technicalities and rules. This article will briefly examine the top 10 misconceptions surrounding life insurance to make the road to coverage a little smoother.

    Myth #1: I’m Single and Don’t Have Dependents, so I Don’t Need Coverage

    Even single persons need at least enough life insurance to cover the costs of personal debts, medical and funeral bills. If you are uninsured, you may leave a legacy of unpaid expenses for your family or executor to deal with. Plus, this can be a good way for low-income singles to leave a legacy to a favorite charity or other cause.

    Myth #2: My Life Insurance Coverage Needs Only Be Twice My Annual Salary

    The amount of life insurance each person needs depends on each person’s specific situation. There are many factors to consider . In addition to medical and funeral bills, you may need to pay off debts such as your mortgage and provide for your family for several years. A cash flow analysis is usually necessary in order to determine the true amount of insurance that must be purchased – the days of computing life coverage based only on one’s income-earning ability are long gone.

    Myth #3: My Term Life Insurance Coverage at Work is Sufficient

    Maybe, maybe not. For a single person of modest means, employer-paid or provided term coverage may actually be enough. But if you have a spouse or other dependents, or know that you will need coverage upon your death to pay estate taxes, then additional coverage may be necessary if the term policy does not meet the needs of the policyholder.

    Myth #4: The Cost of My Premiums Will Be Deductible

    Afraid not, at least in most cases. The cost of personal life insurance is never deductible unless the policyholder is self-employed and the coverage is used as asset protection for the business owner. Then the premiums are deductible on the Schedule C of the Form 1040.

    Myth #5: I Absolutely MUST Have Life Insurance at Any Cost

    In many cases, this is probably true. However, people with sizable assets and no debt or dependents may be better off self-insuring. If you have medical and funeral costs covered, then life insurance coverage may be optional.

    Myth #6: I Should ALWAYS Buy Term and Invest the Difference

    Not necessarily. There are distinct differences between term and permanent life insurance, and the cost of term life coverage can become prohibitively high in later years. Therefore, those who know for certain that they must be covered at death should consider permanent coverage. The total premium outlay for a more expensive permanent policy may be less than the ongoing premiums that could last for years longer with a less expensive term policy.

    There is also the risk of non-insurability to consider, which could be disastrous for those who may have estate tax issues and need life insurance to pay them. But this risk can be avoided with permanent coverage, which becomes paid up after a certain amount of premium has been paid and then remains in force until death.

    Myth #7: Variable Universal Life Policies are Always Superior to Straight Universal Life Policies Over the Long Run

    Many universal policies pay competitive interest rates, and variable universal life (VUL) policies contain several layers of fees relating to both the insurance and securities elements present in the policy. Therefore, if the variable subaccounts within the policy do not perform well, then the variable policyholder may well see a lower cash value than someone with a straight universal life policy.

    Poor market performance can even generate substantial cash calls inside variable policies that require additional premiums to be paid in order to keep the policy in force.

    Myth #8: Only Breadwinners Need Life Insurance Coverage

    Nonsense. The cost of replacing the services formerly provided by a deceased homemaker can be higher than you think, and insuring against the loss of a homemaker may make more sense than one might think, especially when it comes to cleaning and daycare costs.

    Myth #9: I Should Always Purchase the Return-of-Premium (ROP) Rider on Any Term Policy

    There are usually different levels of ROP riders available for policies that offer this feature. Many financial planners will tell you that this rider is not cost-effective and should be avoided. Whether you include this rider will depend on your risk tolerance and other possible investment objectives.

    A cash flow analysis will reveal whether you could come out ahead by investing the additional amount of the rider elsewhere versus including it in the policy. (Read more at Are Return-of-Premium Riders Worth It?)

    Myth #10: I’m Better Off Investing My Money Than Buying Life Insurance of Any Kind

    Hogwash. Until you reach the breakeven point of asset accumulation, you need life coverage of some sort (barring the exception discussed in Myth No.5.) Once you amass $1 million of liquid assets, you can consider whether to discontinue (or at least reduce) your million-dollar policy. But you take a big chance when you depend solely on your investments in the early years of your life, especially if you have dependents. If you die without coverage for them, there may be no other means of provision after the depletion of your current assets.

    The Bottom Line

    These are just some of the more prevalent misunderstandings concerning life insurance that the public faces today. Therefore, there are many life insurance questions you should ask yourself. The key concept to understand is that you shouldn’t leave life insurance out of your budget unless you have enough assets to cover expenses after you’re gone. For more information, consult your life insurance agent or financial advisor.

    Title Insurance Basic Manual #tdi, #texas, #insurance, #title, #january #3, #2014 #changes,


    Title Insurance Basic Manual

    Table of Contents


    Indicates new addition since last update.

    • a. Land
    • b. Company
    • c. Board
    • d. Policy
    • e. Title Examination
    • f. Closing the Transaction
    • g. Insuring Around
    • h. Title Insurance Agent
    • i. Abstract Plant
    • j. Endorsement
    • k. Person
    • l. Title Insurance Company
    • m. Date of the Original Indebtedness
    • n. Fiscal Year
    • o. Verifying The Services Rendered
    • p. Title Insurance
    • q. The business of title insurance
    • r. Commissioner
    • s. Escrow Officer
    • t. Foreign Title Insurance Company
    • u. Residential real property
    • v. Thing of value
    • w. Premium
    • x. Attorney
    • y. Direct Operation
    • z. Furnishing title evidence
    • aa. Directly Issued Policy
    • bb. Owner’s Policy
    • cc. Commitment for Title Insurance
    • dd. Department
    • ee. Loan Policy
  • P-2. Amendment of Exception to Area and Boundaries
  • P-3. Exception to “Rights of Parties in Possession”
  • P-4. Restrictive Covenants Exception
  • P-5. Special Exceptions
  • P-5.1 Exception or Exclusion Regarding Minerals
  • P-6. Co-Insurance
  • P-7. Name of Insured on Loan Policy of Title Insurance or Proposed Insured on Commitment for Loan Policy of Title Insurance
  • P-8. Issuance of Policies Prior to Completion of Improvements
  • P-9. Endorsement of Owner or Mortgagee Policies
  • P-10. Facultative Reinsurance
  • P-11. Insuring Around
  • P-12. Abstract Plants
  • P-13. Truth-In-Lending
  • P-14. Owner Title Policy Commitment to Texas Department of Transportation
  • P-15. Commitment for Title Insurance to or for the Benefit of the Federal Deposit Insurance Corporation, Office of Thrift Supervision or Resolution Trust Corporation
  • P-16. Loan Title Policy Binder on Interim Construction Loan (Interim Binder)
  • P-17. Electronically Produced Forms
  • P-18. Commitment for Title Insurance
  • P-19. “Pending Disbursement” clause
  • P-20. Standard Exception Relating to Taxes
  • P-21. Contents of Schedule D to Commitment for Title Insurance
  • P-22. Payment of a Fee for Examination and/or Closing
  • P-23. Division of Premiums between Title Insurance Agents and Title Insurance Companies
  • P-24. Payment for Services Rendered by a Title Insurance Company, Title Insurance Agent, or Direct Operation to Another Title Insurance Company, Title Insurance Agent or Direct Operation
  • P-25. Reasonable Time for Furnishing Title Evidence
  • P-26. Copies of Policies Provided to Agents
  • P-27. Disbursement From Escrow or Trust Fund Accounts
  • P-28. Requirements for Continuing Education for Title Agents and Escrow Officers and Professional Training Program for Title Agent Management Personnel
  • P-29. (REPEALED 02/01/2010) Relating to Taxes Not Yet Due and Payable – See P-20.C.1
  • P-30. Guaranty Assessment Recoupment Charge
  • P-31. Authorized Execution of Directly Issued Policy
  • P-32. Document Retention
  • P-33. Repealed
  • P-34. Repealed
  • P-35. Prohibition Against Guaranties, Affirmations, Indemnifications, and Certifications
  • P-36. Arbitration Provisions
  • P-37. Lack of a Right of Access
  • P-38. Residential Owner Policy of Title Insurance-One to-Four Family Residences
  • P-39. Express Insurance
  • P-40. Standards for Reserve Setting and Reviewing
  • P-43. Limited Pre-Foreclosure Policy (T-98 ) and Limited Pre-Foreclosure Policy Downdate Endorsement (T-99 )
  • P-44. Equity Loan Mortgage Endorsement (T-42 )
  • P-45. Texas Reverse Mortgage Endorsement (T-43 )
  • P-46. Texas Residential Limited Coverage Junior Mortgagee Policy (T-44 ) and Texas Residential Limited Coverage Junior Mortgagee Policy Down Date Endorsement (T-45 ) and Texas Residential Limited Coverage Junior Mortgagee Policy Home Equity Line of Credit/Variable Rate Endorsement (T-46 ) and Texas Residential Limited Coverage Junior Mortgagee Policy Additional Coverage Endorsement
  • P-47. Supplemental Coverage Equity Loan Mortgage Endorsement (T-42.1 )
  • P-48. Dates On and After January 1, 2000
  • P-49. Annual Audit
  • P-50. Restrictions, Encroachments, Minerals Endorsement (T-19 ) and Restrictions, Encroachments, Minerals Endorsement – Owner Policy (T-19.1 )
  • P-50.1. Minerals and Surface Damage Endorsement (Form T-19.2 ), and Minerals and Surface Damage Endorsement (Form T-19.3 )
  • P-51. Texas Short Form Residential Mortgagee Policy of Title Insurance (T-2R )
  • P-52. Delivery of Pro Forma Policies and Promulgated Forms
  • P-53. Rebates and Discounts Prohibited
  • P-54. Access Endorsement (T-23 )
  • P-55. Non-Imputation Endorsement (T-24. T-24.1 )
  • P-56. Contiguity Endorsement (T-25. T-25.1 )
  • P-57. Additional Insured Endorsement (Form T-26 )
  • P-58. Report on Directly Issued Policy
  • P-59. Reconciliation of References to Provisions of the Insurance Code of 1951 to Provisions of the Texas Insurance Code as Recodified
  • P-60. Assignment of Rents/Leases Endorsement (T-27 )
  • P-61. Timely Provision of Title Policies
  • P-62. Licensing and Location of Title Agents and Direct Operations
  • P-63. Policy Issued to Qualified Intermediary under IRS Code 1031
  • P-64. Subordinate Liens and Leases – Pursuant to Rule P-11.b.(8)
  • P-65. Issuance of Owner Policy Required in Connection with Issuance of Mortgagee Policy
  • P-66. Determination of Amount of Insurance (Policy Amount)
  • P-67. Insured Closing and Settlement Letters (T-50)
  • P-68. Consumer Notice
  • P-69. Issuance of Insured Closing Letters (T-50 or T-51 )
  • P-70. Cancellation Fees; Fees for Services Rendered
  • P-71. Texas Limited Coverage Residential Chain of Title Policy
  • P-72. Severable Improvements Endorsement (Form T-54 )
  • P-73. Closing Disclosure and Texas Disclosure (Form T-64 ) Effective 08/01/2015
  • For more information, contact:

    Last updated: 10/29/2015

    Contact Information and Other Helpful Links

    Miami Divorce Attorney, Miami Personal Injury Lawyer, Andrew H Boros, Esq, florida


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    Born and raised in Miami, Florida, Andrew H. Boros is a graduate of the University of Miami and South Texas College of Law. Prior to entering law school Mr. Boros was employed as the lead Crime Scene Investigator by the Miami-Dade County Sheriff’s Department. After graduating from law school in 1976 he was hired and trained by Gerald Kogan who attained the eminent position of Chief Justice of the Florida Supreme Court, now retired.

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    Find an independent insurance agent today to hear more about tailored, affordable auto insurance in PA MD from Mutual Benefit Group.

    Coverage/product information provided on this Web site is not an insurance policy or a supplement to any policy. This information is intended to provide a general description of products typically available through Mutual Benefit Insurance Company and Select Risk Mutual Insurance Company. The actual coverage provided is governed exclusively by the language contained within the insurance policy issued to you.

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    51% could save up to £268.77 [1]


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    Hey bright spark! Switch and save today [2]

    Provided by Runpath [2]


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    Our customer promise

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    We’ll give you the information you need, completely unbiased

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    The summer of love is about to hit UK roads and that can mean only one thing; it’s time to bag a bargain.

    [1] Based on independent research by Consumer Intelligence during 1 April to 30 April, 2017:

    51% of consumers could achieve a saving of up to £268.77 with car insurance based on a comparison of 30 companies

    [2] introduces customers to Runpath (registered as Runpath Group Limited). Runpath provides a gas and electricity comparison service. relationship with Runpath is limited to that of a business partnership, no common ownership or control rights exist between us

    [3] introduces customers to which is authorised and regulated by the Financial Conduct Authority. is a trading name of Investment Discounts Online Limited.’s relationship with is limited to that of a business partnership, no common ownership or control rights exist between us

    [4] introduces customers to broadbandchoices which is not regulated by the Financial Conduct Authority.’s relationship with broadbandchoices is limited to that of a business partnership, no common ownership or control rights exist between us

    [5] For comparing quotes online, introduces customers to

    For help, guidance and advice,, introduces customers to Assured Futures Limited. Assured Futures Limited is authorised and regulated by the Financial Conduct Authority no. 176392. and Assured Futures are authorised and regulated by the Financial Conduct Authority and’s relationships with these companies are limited to that of a business partnership, no common ownership or control rights exist between us

    [6] For loans introduces customers to Financial Services Limited which is authorised and regulated by the Financial Conduct Authority.’s relationship with Financial Services Limited is limited to that of a business partnership, no common ownership or control rights exists between us

    Please note, we cannot be held responsible for the content of external websites and by using the links stated to access these separate websites you will be subject to the terms of use applying to those sites

    Cheap Car Insurance #car #insurance, #auto #insurance, #cheap, #cheaper, #cheapest, #low #rates,



    We understand consumers often need the lowest price possible when it comes to choosing an auto insurance company. Our customers also want the right amount of coverage to keep their family safe and protected from life s unfortunate accidents.

    At Cheap Car Insurance. we believe in having the best of both worlds — low rates, excellent coverage and local reps who are there every step of the way. This is what sets Cheap Car Insurance apart from our competition. And that’s what makes us the obvious choice when it comes to your car insurance needs.

    Why We Exist

    Extreme Savings

    Our emphasis on red tape removal and streamlining translates to serious savings for our customers. In a world where corporate bloat is the inevitable outcome of mega-sized insurance companies, we focus on the exact opposite: making things easier and faster. When other companies are saying, How can we add another step to make things better? we are asking ourselves, How can we remove a step to make things better?

    We also do not spend billions on advertising like some companies in attempts to attract every customer in the world because we prefer to pass those savings on to you and rely more heavily on our customers telling their friends about us. That s how good products should be sold.

    Un-Corporate-Like Transparency

    While other companies make empty promises about savings, we actually let our customers report them publicly for the world to see. Check out our Recent Savings chart to the left to view their unfiltered comments. True, not everyone saves money here, but most do.

    We focus on improving the conversation with our customers, which has resulted in one of the highest satisfaction rating in the industry.

    Personal Customer Service

    We believe in providing exceptional customer service and we hope that your time on our site is always a first class experience. Our support work is never outsourced to other countries. We also only hire experienced reps who help us respond faster than most insurance companies.

    If cheap car insurance is what you need, then you ve come to the right place.

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    We stand behind our commitment to do our best to get you the lowest auto insurance quotes online. Now it’s easier than ever to search and shop for cheap auto insurance quotes.

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    Unfortunately, and surprisingly, 10 years of loyalty did not pay off for me, and was replaced by a 5 minute quote that will save me thousands down the road. In short, our family owns 3 cars, and my new rates are about half my old rates; so not bad for the little additional time it took to compare quotes and digitally sign a policy.

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    The basics of renters insurance, renters insurance costs.#Renters #insurance #costs


    The basics of renters insurance

    Last Updated: July 15th, 2016

    Renters insurance costs Renters insurance costs Renters insurance costs Renters insurance costs Renters insurance costs

    When disaster strikes, it doesn t care if you rent or own your home. Renters face the same risks as homeowners. Your landlord or condo association may have insurance, but it only protects the building structure, not your personal items.

    Imagine losing all your furniture, clothes and other belongings in a fire or other disaster. Renters insurance, like homeowners insurance, is meant to rescue you at these times of disaster. Yet only 37 percents of renters have insurance, according to the Insurance Information Institute.

    You may be able to protect all your belongings for less than $200 a year. The average renters insurance premium is $187, according to the latest numbers from the National Association of Insurance Commissioners (NAIC). But that will also depend on where you live. According to the NAIC the most expensive state for renters insurance is Mississippi, where the average premium is $252. In North and South Dakota the average premium is $117.

    What renters insurance covers

    There are several types of home and renters insurance policies. A policy called the HO-4 is designed for renters and covers damage from 16 types of perils:

    1. Fire or lightning
    2. Windstorm or hail
    3. Explosion
    4. Riot or civil commotion
    5. Damage caused by aircraft
    6. Damage caused by vehicles
    7. Smoke
    8. Vandalism or malicious mischief
    9. Theft
    10. Volcanic eruption
    11. Falling objects
    12. Weight of ice, snow, or sleet
    13. Accidental discharge or overflow of water or steam from within a plumbing, heating, air conditioning, or automatic fire-protective sprinkler system, or from a household appliance
    14. Sudden and accidental tearing apart, cracking, burning, or bulging of a steam or hot water heating system, an air conditioning or automatic fire-protective system
    15. Freezing of a plumbing, heating, air conditioning or automatic, fire-protective sprinkler system, or of a household appliance
    16. Sudden and accidental damage from artificially generated electrical current (does not include loss to a tube, transistor or similar electronic component)

    What renters insurance won t cover

    Just as with home insurance policies, renters insurance won t cover damage from earth movement, which includes earthquakes, mudslides and landslides.

    Also typically excluded are:

    • Floods
    • War
    • Nuclear hazard
    • Neglect, meaning your failure to save your property at the time of loss or after.
    • Intentional loss, meaning your intentional destruction of your property.
    • Governmental action, such as seizure of your property.

    In some coastal regions you might need to buy additional coverage for wind damage from hurricanes.

    Actual cash value vs. replacement cost

    Knowing what types of problems are covered is a good first step to deciding on a policy. Next, consider how you want your belongings to be covered: “actual cash value” (ACV) or “replacement cost coverage.

    As the name implies, ACV coverage will pay only for what your property was worth at the time it was damaged or stolen. So, if you bought a television five years ago for $500, it would be worth significantly less today. While you’d still need to spend about $500 for a new TV, your insurance company will pay only for what the old one is worth, minus your deductible.

    Replacement cost coverage, on the other hand, will pay what it actually costs to replace the items you lost (minus the deductible). Replacement cost coverage will cost you more in premiums, but it will also pay out more if you ever need to file a claim. Let your agent know about any particularly valuable items you have. Jewelry, antiques and electronics might be covered only up to an amount that won’t pay for their replacement.

    Coverage with dollar limits

    You ll likely find that your renters insurance policy states specific dollar limits are certain items. If your items have more value, you ll need to purchase riders to fully cover them. Here are examples of items that often have dollar caps on coverage, along with typical limits:

    • Cash – $200
    • Securities, passports and stamps – $1,500
    • Theft of jewelry, watches and furs – $1,500
    • Theft of firearms – $2,500
    • Theft of silverware, goldware, flatware: $2,500
    • Unauthorized charges to your credit card: $500

    Without riders for these expensive items you can’t recover the full loss if it’s beyond your policy limit.

    Additional renters insurance benefits

    Liability protection for property-damage and bodily-injury lawsuits against you is generally standard with renters insurance policies. This means if someone in your unit slips and falls and sues you, you’re covered for any costs, up to your liability limit. The insurance company will also pay for your legal defense.

    If your apartment or condominium becomes uninhabitable due to a fire, burst pipes or any other reason covered by your policy, your renters insurance will cover your “additional living expenses.” Generally, that means paying for you to live somewhere else.

    Take inventory

    To ensure you re compensated for any belongings you lose from a fire, storm or other catastrophe, you should inventory all of your personal belongings. List each item, its value and serial number when possible. Photograph or videotape each room, including closets, open drawers, storage buildings and your garage. Keep receipts for major items in a fireproof place.

    To make things easier, the Insurance Information Institute has free inventory software at

    Saving money on renters insurance

    Just like homeowners insurance policies, your renters insurance premium depends on a number of factors: where you live, your past claims, your deductible, your insurance company and whether you need any additional coverage.

    Common ways to save on renters insurance include:

    • Increasing your deductible (the amount you pay before your coverage kicks in).
    • Asking for discounts for smoke and fire detectors, and security systems.
    • Buying your car insurance from the same company, called a multiline discount.
    • Paying your renters insurance bill in full rather than in installments.

    If you’re thinking about getting a dog, you might want to think twice. Some insurance companies are reluctant to write policies for owners of certain breeds. s annual customer satisfaction study can help you find the best home insurance companies.

    Renters insurance costs Renters insurance costs Renters insurance costs Renters insurance costs Renters insurance costs

    1 month car insurance #car #insurance #for #a #month


    You need to insure a car for a month? No problem. Short-term insurance like this is now well established in the UK. So, you can have the peace of mind of knowing that you can benefit from the modern way of buying insurance which has already helped hundreds of thousands of British motorists to save money by buying cover for just the length of time that you really want it for. You can save time and effort by getting quotes within a minute or so via a quick and simple online form, and when you buy your policy you can have instant cover if you wish, making it ideal for those little emergencies that crop up from time to time when you need to insure a vehicle at short notice.

    What sort of car can I insure?

    It doesn t matter whether you own the car that you are going to insure or not, provided that you have the permission of the owner. It must of course be roadworthy, taxed and MOT d (unless you re taking it to an MOT station for a test, and you have a confirmed appointment there) and it will have to be on the insurers approved list, which usually covers the majority of cars on British roads. It must be registered and kept in the UK, unmodified (excluding modifications for a disabled driver, or conversion to LPG) and it should have no more than seven seats. These are the main conditions, and you should check the policy details of the insurer you intend to deal with to make certain that your car complies with any others.

    How long can I insure a car for?

    Any number of days, from one single day to 4 weeks.

    Are there restrictions on drivers?

    Drivers should be over the age of 20 and under the age of 75. Apart from this the stipulations are the same as with any other car insurance; a reasonable driving record will be expected and a full driving licence should have been held for a minimum of a year. If in any doubt should get a quotation; it only takes a moment or 2 to find out whether or not you would be accepted, and what the premium would be.

    Is it expensive?

    These policies are designed for temporary use only so it would not be an economical proposition to take one out every month instead of buying a conventional yearly policy! However they can save you a great deal of money if you only require cover for the odd month or two.

    Do the insurance details appear on the MID?

    Certainly, the details are passed onto the Motor Insurance Database within 24 hours or so of your taking out a policy and in the meanwhile you would be given a link to access all necessary documentation including the all important insurance certificate. You could save this link on your smart phone or print out your certificate just to be on the safe side; it often takes a couple of days or even slightly more at busy times for the MID to be updated so it may be useful to carry proof that you are insured just in case you need to produce it.

    What type of cover is available?

    Comprehensive cover is provided for driving within the UK. If you wish to drive in Europe you would automatically be given the the minimum legal cover for any other EEC country you drove through but this could be upgraded to comprehensive cover for an extra premium if you wished. You can also purchase roadside assistance, to cover the UK or the EEC as another optional extra. is a trading style of Prudent Plus Ltd of Booths Hall, Booths Park, Chelford Road Knutsford Cheshire WA16 8GS. Quotes are provided by Sky Insurance Services Group Limited with whom we have a trading agreement only and who are authorised and regulated by the Financial Conduct Authority no. 469048. We receive from them a commission per policy purchased; this will not affect the premium you pay for your policy in any way.

    Copyright 2015 All Rights Reserved

    Everett Car Insurance Agents #everett, #washington #insurance #agents, #everett, #washington #auto #insurance,


    Car Insurance Agents in Everett, WA

    Find a Nationwide Insurance Agent in Everett, Washington

    Nationwide auto insurance

    In a city like Everett, a few accidents are bound to happen no matter how much we try to prevent them. Looking for a way to celebrate each year of safe driving you rack up? Try out our Vanishing Deductible program. And know that when you do need to make a claim, your repairs are backed by Nationwide’s On Your Side Claims Service. In the meantime, if you have questions about your coverage, we encourage you to talk to one of our Everett auto insurance agents.

    Nationwide homeowners insurance

    Even with a housing stock that spans several different eras of residential construction, the truth is that local homeowners face many of the same concerns no matter what year their home was built. The desire to rebuild or replace a home in the aftermath of a worst case scenario, for example, is all but universal. Not to mention other property structures or belongings that may need to be replaced. One of our Everett home insurance agents can discuss the coverage options with you, including Nationwide’s Brand New Belongings and Better Roof Replacement programs.

    Nationwide life insurance

    Worried about what will happen to loved ones if something should happen to you? You can get a Nationwide policy for long term care costs that likely aren’t included in health insurance benefits. Or maybe in addition to caring for loved ones, you’re considering a life insurance policy with a guaranteed cash value as an important component of your retirement planning. Whether you’re trying to choose the right type of policy or a payout amount that makes sense for your household, don’t hesitate to talk to one of our Everett life insurance agents.

    Nationwide business insurance

    Unique consumer and professional businesses populate any decent sized city. And of course, Everett is no exception. Each and every business needs some type of business insurance protection. Maybe it’s strong liability coverage. Maybe it’s vehicle insurance or other commercial property coverage. Maybe it’s medical payments coverage. For all your Everett business insurance needs, don’t hesitate to contact one of our agents.

    Local Insurance Quotes and Personalized Coverage

    Use Nationwide’s online tool to get estimates for any number of personalized coverage solutions. It only takes a few moments to enter the information and start generating results.

    Texas Contractors General Liability Insurance Quotes, general comprehensive liability insurance.#General #comprehensive #liability


    Contractors General Liability Insurance Quotes, Texas, TX

    General comprehensive liability insurance

    General comprehensive liability insurance

    General comprehensive liability insurance

    General comprehensive liability insurance

    Email Quotes General comprehensive liability insurance

    General comprehensive liability insurance

    We offer Contractors General Liability Insurance packages as well as Stand Alone Commercial General Liability. We can tailor contractors coverage options for different types of contracting operations. Whether it is for building, company liability, equipment, inventory or company vehicles, we offer products and services that help protect your business venture.

    Electricians Insurance

    General comprehensive liability insurance

    HVAC Repair / Installers Insurance

    General comprehensive liability insurance

    Roofers Insurance

    General comprehensive liability insurance

    Painters Insurance

    General comprehensive liability insurance

    Contractors Insurance

    As a tradesman and a business owner you know the risks you face are unique. You need an Agent who agrees with your philosophy. Prompt professional service is what you need when your under a deadline. Most of our Professional Contracting clients can expect to confirm and receive evidence of coverage under a new contractors insurance policy within an hour or 2. Same day or next day coverage is available on most product markets.

    Casualty Insurance consists primarily of liability coverage, which protects a contractor against injury or damage claims made by other parties. Policies provide for liability arising out of:

    Fire Damage Liability (damage by fire to premises rented to insured)

    Personal and Advertising Injury

    Products / Completed Operations

    You may want to consider a Business Owners Package which combines your Liability Insurance, Business Property and other types of coverage into one comprehensive policy which could help you save time and money on your contractor insurance in Texas. And, since we live in an age of million-dollar lawsuits, you may also want to add extra liability protection in the form of a Commercial Umbrella Insurance Policy where appropriate. We can tell you more about these plans and help you decide if one is right for you.

    General comprehensive liability insuranceCommercial Property Insurance covers the risk of property loss in a variety of situations. Coverage can include commercial buildings, equipment, furniture, fixtures, inventories, business records, supplies and other physical items.

    Property Insurance may cover two types of property losses:

    Direct losses may be covered when property is lost, stolen, damaged or destroyed.

    Indirect or consequential losses related to direct losses may also be covered.

    Business auto insurance covers vehicles that are owned, leased, hired or borrowed by your contracting businesses, whether you are a contractor, an association, corporations, partnerships or sole proprietorships. Business auto insurance plans may be used to insure private passenger autos and all types of trucks, trailers, semi trailers and commercial vehicles designed for use on public roads. We can give you more details about specific coverage and deductibles and about tailoring a Business Auto plan that’s right for you and your business.

    All Insuring Markets that your request are matched with have been prequalified and Rated as B+ or A. Most providers you will find to be A+ Rated Underwriters or Agent Brokers of A Rated Underwriters. The Minimum Company Rating currently accepted is B+. Many Personal Lines liability quotes do not require credit scoring though some markets will decline to quote without it. Most all Commercial lines will require Business or Guarantor Credit Scoring. How do we do it? We use our experience and expertise in business to bring Consumers together with Respected Insurers to compete for your business. You can Submit your coverage need for a quote online. Have your request professionally compared and matched to multiple coverage providers for the best rate. Buy the policy that’s right for your coverage need. Get your quote online or by talking directly with us. Liability Insurance in broad terms is coverage that can provide protection for certain actions or inactions of the named insured that may result in a financial liability. Direct or indirect losses can arise for which an insured might be held financially liable. Whatever Profession your in, We offer tailored Professional Liability Coverage for all types of Businesses and Professions. Whether you need Professional Liability Insurance, Commercial zone Buildings, Business Properties, Equipment, Inventory or even your Company Vehicles, we offer products designed especially for the protection of your business interests.

    One never knows when a Liability claim may arise our of our daily activities. Personal and work related issues can lead to unexpected consequences. It is not necessary for the professional to be found directly at fault in a claim in order to held financially liable. Often indirect fault can produce a liability. So, a good comprehensive policy is the best choice for ultimate security and protection. Legal defense costs are standard.

    Online Auto Insurance – Quotes Comparison, Find Cheap Rates, Buy Car Insurance


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    Auto insurance in missouri

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    Using the Internet to compare quotes side-by-side allows consumers to quickly pinpoint the insurers offering cheap auto insurance rates for the coverage desired. Instead of calling around or visiting individual websites for quote comparisons, complete one single questionnaire and instantly get back a rate from multiple quality companies such as Progressive, 21st Century, GMAC, Infinity, Unitrin and more, all at the same time! Watch the video to view the process.

    Pay Monthly

    Auto insurance in missouriChoose monthly auto insurance payments and learn about no down and low down payment options. Paying month to month instead of every 6 or 12 months plus a low start up cost makes it more affordable for many people on a budget by reducing the amount needed to get insured.

    Cheap Companies

    Auto insurance in missouriThe only way to find cheap car insurance companies is to compare rates. There is no such thing as the cheapest company for all. Each one of us has to search to see which will be cheaper for us individually. Understanding how the rating process works and which factors impact premium is an important part of the shopping process.

    Coverage Recommendations

    Auto insurance in missouriThe recommended coverage is one which is affordable and protects an insured s investment in the value of owned autos, pays medical expenses when injuries occur, and covers an insured s legal liability as a result of automobile accidents.

    Top Rated Companies

    Auto insurance in missouriWho are the top 10 car insurance companies? Learn the facts about the best rated company and what is used to determine ratings such as financial strength which indicate the stability and ability of a carrier to pay out their obligations. A rating can be valuable when it comes to choosing the right insurer.

    High Risk Drivers

    Auto insurance in missouriGet high risk auto insurance quotes from companies best for drivers with a record, including accidents and/or tickets or inexperienced drivers, such as teenagers, who may be considered a higher risk. Although bad driving records do affect premiums, there are insurers out there who specialize in the non standard (risky) market and can offer more affordable rates.

    Get Quotes Without Personal Information

    Auto insurance in missouriNo personal information, such as social security or driver s license numbers, is required for auto insurance quotes. Choose not to provide personal info to protect your privacy. Only basic data about vehicles and drivers is required and providing personally classified data is optional.

    No License

    Auto insurance in missouriGet car insurance without license through certain carriers who s underwriting guidelines permit it. Those with no drivers license, out of country (international) license and even identification cards from other Countries, such as the Matricula Consular issued by Mexico, may be eligible for coverage.

    Cheap Rates for Young Drivers

    Auto insurance in missouriA teenage or youthful driver should take a different approach when searching for the cheapest possible rates since their inexperience may have a negative impact on the price of insuring. Learn how a teen can save by comparing prices from a variety of insurers and by taking advantage of all possible discounts such as the good student discount .

    State Specific:

    Auto insurance in missouri

    No Down Payment Car Loan For Bad Credit, No Money Down Auto


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    Most of the car dealerships can provide bad credit auto loans no money down programs through their subprime finance lending network. Nevertheless, the rates of interest charged for these loans can be extremely high and terms totally inflexible. With unaffordable monthly car payments, there are chances of loan defaults and in the worst of cases, vehicle may even be repossessed. All such things can add to your financial woes and your credit profile will also be affected negatively. Hence, there may be a need to look for a better option to get your no money down car loan with bad credit.

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    * Product, service, and discount availability and limits vary by state. The information provided on this site is provided for informational purposes only and is not a full explanation of products, services or coverage. For more information, please contact Electric Insurance Company at 800.227.2757. If there are discrepancies between the information on this site and the policy, the terms in the policy apply.

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    Hurricane Irma В

    Hurricane Irma, September 6, 2017 As of the morning of September 6, 2017, Hurricane Irma is a Category 5 hurricane with sustained winds of 18 5 mph and recorded gusts of 200 mph . Current projections of Irma’s path vary, but all show a potentially catastrophic impact on Florida this weekend. Depending on Irma’s course, Alabama, Georgia, Louisiana, Mississippi, North Carolina and South Carolina could also be affected.

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    Hurricane Harvey В

    Hurricane Harvey Update, AugustВ 30, 2017В We at Electric Insurance hope you and your families are safe in the aftermath of Hurricane Harvey. Our claims response teams, including adjusters, are standing by 24/7 to assist if you have been affected by this storm. Please call us at 800.227.2757 if you have an automobile or homeowners claim. Post storm tips can be foundВ here.В

    For more information regarding federal response to Hurricane Harvey, please visit the FEMA В web site.

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    Electric Insurance Company’s customers have a whole new range of capabilities with the recent launch of the MyAccount Policy Management Center. | Preview

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    A.M. Best Affirms Credit Ratings of Electric Insurance Company and Its Subsidiary В 08/17/2017

    A.M. BestВ has affirmed the Financial Strength Rating of A (Excellent) and the Long-Term Issuer Credit Ratings of “a+” ofВ Electric Insurance CompanyВ (Electric) (Beverly, MA) and its wholly owned subsidiary,В Electric Insurance Ireland Designated Activity CompanyВ (EIIDAC) (Dublin, Ireland). В |В MoreВ

    Associate Wins Outstanding Claims Professional AwardsВ 05/03/2017

    We are very proud to announce that a member of our award-winning Claims team was honored with the individual “Outstanding Claims Professional Award” at the Property and Liability Resource Bureau’s Annual Claims Conference held in Boston March 26 – 29, 2017. | MoreВ

    Enter for Monthly Prizes 11/20/2013

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    Never be stuck by the side of the road again. One phone call will bring someone who can get your car going again — or get it to someone who can. For much less than you think.

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    About Us

    Electric Insurance Company is a national writer of personal insurance, specializing in car insurance, home insurance, umbrella coverage and more. We were established in 1966 to serve the needs of General Electric employees. We now also offer our insurance products to the general public. Given our roots, it’s not surprising that we look at the insurance business a little bit differently. It wasn’t long before relatives and friends of GE employees noticed how happy they were with their home insurance and car insurance and asked if we would provide them with auto insurance too. Today, individuals and families with no formal ties to General Electric hold more than half of our home and car insurance policies. Our goal is to become the preferred home and car insurance carrier for both GE employees and individuals and families from the general public who appreciate the great value and exceptional service we provide.

    *Note: Insurance policies available in the U.S. only. Discounts vary. Not all products or discounts available in all states. Any information contained in this site is general in nature and can not cover all circumstances or policies. For specific information, please refer to the actual policy or contact Electric Insurance from 8:00 am untilВ 7:00 pm Eastern Time at 800.342.5342 or via email.

    Electric Insurance Company customers may request a paper or an electronic copy of their policies by contacting 800.342.5342.

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    D.C. No-Fault Car Insurance Laws

    Every U.S. state has its own auto insurance laws and requirements. So does the District of Columbia, which has its own driving laws and its own Department of Motor Vehicles. In this article, we ll explore the insurance rules and regulations that apply to cars registered in D.C. and how they might affect drivers who are involved in a car accident.

    Washington D.C. s No-Fault Car Insurance Laws

    Washington, D.C. follows a no-fault car insurance system. This means, when an accident occurs, each driver involved in the crash files an injury claim with his or her own insurer first, regardless of who bore the legal fault for the accident. (Our article No-Fault Car Insurance and State Laws: The Basics covers no-fault insurance in more detail.) In exchange for this fairly comprehensive insurance coverage, motorists are prohibited from suing one another over car accident injuries unless the case involves one of the following:

    • the injury causes substantial permanent scarring or disfigurement
    • the injury causes a substantial and medically demonstrable impairment in performing daily activities
    • the injury causes a medically demonstrable impairment that prevents the injured person from doing his or her daily activities for at least 180 days, or
    • the medical costs from the injury exceed the PIP benefits available under the drivers no-fault policies.

    Minimum Car Insurance Requirements in D.C.

    Any motor vehicle registered and driven in Washington, D.C. must be insured for at least the following minimum types and amounts of coverage:

    • $25,000 per person or $50,000 per accident in personal injury protection (PIP) benefits
    • $10,000 per accident for property damage
    • $25,000 per person or $50,000 per accident in uninsured/underinsured motorist coverage, and
    • $5,000 per accident for uninsured/underinsured motorist property damage (subject to a $200 deductible).

    When an accident injures only one person, the per-person injury limit applies. When more than one person is injured, the per-accident limit applies to the benefits paid to every person who was injured in the accident. Property damage benefits cover damage your vehicle causes to another person s real estate or personal property. For instance, if you crash into a neighbor s fence during an accident, your property damage benefits would go to pay the costs of repairing or replacing the fence.

    The minimum required insurance does not cover damage to your vehicle in a crash. However, you can always add “collision” coverage to your policy.

    Uninsured/Underinsured Motorist Coverage in D.C.

    The required coverage for uninsured/underinsured motorist accidents is $25,000 per person and $50,000 per accident in D.C. This coverage ensures that medical bills can still be paid even if one of the drivers involved in the accident did not have insurance or did not have enough insurance to cover everyone s injuries, property damage, or both.

    Washington, D.C. requires uninsured/underinsured motorist coverage for both personal injuries and property damage, which is unusual; most states that require this coverage only mandate it for personal injury costs. (For more information, see Uninsured Motorist Car Insurance Coverage: The Basics and Underinsured Motorist Coverage: How It Works .

    More Information on Car Insurance in D.C.

    The Washington, D.C. Department of Motor Vehicles provides an explanation of its no-fault insurance requirements — including the penalties for failing to maintain proper insurance — at its official website .

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    New Hampshire Car Insurance – Quotes, Coverage – Requirements, sr insurance nh.#Sr


    Car Insurance in New Hampshire

    New Hampshire is among a small handful of states that has no mandatory car insurance laws.

    State law, however, does require you to pay for costs of bodily injury or property damage resulting from a car accident you caused. The best way to meet this requirement is by purchasing New Hampshire car insurance.

    New Hampshire Car Insurance Requirements

    Although auto insurance is not mandatory in New Hampshire, most drivers opt to purchase it anyway. New Hampshire’s uninsured driver rate is, in fact, lower than the national average.

    If you do decide to carry car insurance in New Hampshire, your policy must include:

    • Liability coverage.
    • Medical payments coverage.
    • Uninsured motorist coverage.

    Liability Insurance

    Your New Hampshire car insurance policy must include liability coverage, which will help you pay for costs associated with bodily injury or property damage to others resulting from an accident you caused.

    Your liability insurance must meet the following minimums:

    Medical Payments

    Your policy must also include medical payment coverage to help pay for your own medical costs in case of a car accident.

    You must have at least $1,000 in medical payments coverage.

    Uninsured Motorist

    Although New Hampshire has a relatively low rate of uninsured drivers, your insurance policy must include uninsured motorist coverage to help cover your injuries and damage to your property that may result from being in an accident with an uninsured driver (or a driver whose insurance is not sufficient to cover your costs).

    Your uninsured motorist coverage must match your liability coverage amounts. See above for the minimum requirements.

    Optional Coverage

    If you do decide to purchase car insurance in New Hampshire, there are some types of coverages that are not legally required but will offer you more protection and peace of mind.

    You can typically choose from the following optional coverage types:

    • Collision – Helps pay for damages to your car resulting from a car accident.
    • Comprehensive – Provides coverage for damages to your car resulting from non-accident-related events, such as fire, theft, or vandalism.
    • Towing and labor.
    • Rentalreimbursement.

    NOTE: Collision and comprehensive coverages may be required as part of your loan or lease agreement.

    Mandatory Insurance Filing (SR-22)

    There are some instances where you will be required to have car insurance in New Hampshire.

    Insurance filing requirements generally apply to drivers who have been involved in car accidents or have been convicted of serious traffic violations (e.g., DWI).

    If you are required to purchase insurance, you will need to file an SR-22 with the DMV through your insurance company.

    An SR-22 serves as a guarantee that you will hold New Hampshire car insurance for a set amount of time (typically 3 years).

    Your NH driving record will indicate whether or not you need to provide your proof of insurance to the DMV.

    If you do not comply with your car insurance filing requirement, you face:

    • Suspension and revocation of your driver’s license.
    • Suspension of your registration privileges.

    Financial Responsibility

    While New Hampshire does not have a mandatory insurance law, the state does require you to pay for costs of bodily injury or property damage resulting from a car accident you caused. Your driver’s license will be suspended until you can show that you can meet the costs of the offending accident.

    If you have car insurance that meets New Hampshire’s standards, you would already be meeting the state’s financial responsibility laws, and the above suspension would not apply to you.

    For more information about how you can meet New Hampshire’s financial responsibility laws, contact the DMV at (603) 227-4010.

    New Hampshire Automobile Insurance Plan

    Car insurance companies have the right to turn down coverage to drivers they consider to present an unreasonably high risk, based on driving history.

    As a way to help ensure that all eligible drivers have access to car insurance, New Hampshire laws have mandated the formation of the New Hampshire Automobile Insurance Plan.

    Under this plan, insurance companies in the state equally share the risks of covering high-risk drivers among each other.

    You can apply for the plan through any New Hampshire car insurance company that participates in it. You’ll need to certify on an application form that you’ve tried and failed to obtain auto insurance on the open market after applying through the plan.

    Other Car Insurance Issues

    Because insurance can be very complicated, the New Hampshire Insurance Department (NHID) has programs to help consumers.

    Through the insurance department, you can file complaints against insurance companies and also report suspected insurance fraud.

    Consumer Complaints

    If you have a dispute with your car insurance company that you are unable to resolve, you may file a complaint with the NHID. The department is primarily responsible for enforcing the state’s insurance rules and laws.

    Additionally, you can print out a Consumer Complaint form and submit it:

    Insurance Fraud

    Insurance companies lose a large amount of money annually due to insurance fraud. Those losses get passed down to you through increases in premium rates.

    Car insurance fraud often involves:

    • Staging car accidents.
    • Exaggerating or falsifying injuries.
    • Exaggerating or falsifying property damage.

    If you suspect insurance fraud, you can report it to the NHID fraud unit at (800)-852-3416.

    Determining Your NH Car Insurance Rates

    Several factors go into determining your car insurance rates in New Hampshire.

    When getting car insurance quotes, consider that the following will factor into your premium:

    • Driving record.
    • Age.
    • Gender.
    • Credit history.
    • Deductibles (your out-of-pocket costs towards a claim).
      • The higher your deductibles, the lower your premium.

    Car Insurance Discounts

    A great way to save on car insurance in New Hampshire is by taking advantage of the various discounts offered by insurance companies.

    When comparing auto insurance rates, inquire about the following discounts:

    While discounts are a good start towards getting low-cost car insurance, the best way to save on car insurance is by following all traffic laws to avoid accidents and maintain a violation-free driving record.

    Most Stolen Cars in New Hampshire

    If you own a car that is highly targeted for theft, you may have to pay higher than normal car insurance rates.

    The following is a list of the most stolen cars in New Hampshire for 2013, according to

    1. Ford Pickup (Full Size).
    2. Honda Civic.
    3. Chevrolet Pickup (Full Size).
    4. Jeep Cherokee/Grand Cherokee.
    5. Honda Accord.
    6. Dodge Caravan.
    7. Ford Focus.
    8. GMC Pickup (Full Size).
    9. Toyota Corolla.
    10. Dodge Pickup (Full Size).

    Workers Compensation Insurance: Farmers Insurance, workers compensation insurance software.#Workers #compensation #insurance #software


    Workers’ Compensation Insurance

    You choose employees for the value they add to your business — whether a key member of your management team, a skilled technician or your executive assistant. If anyone suffers an on-the-job injury, you want to try to take care of them and minimize lost productivity.

    Here are some of the typical workers’ compensation challenges you might face, and how Farmers can help you address them:



    You operate in multiple states, each of which administers workers’ compensation differently.

    Farmers’ highly experienced adjusting team can deliver injury management strategies that comply with the complex maze of state administrative laws.

    Your office doesn’t have many obvious risks — but you’re not sure if your employees have had enough safety training.

    From OSHA compliance to safety education, Farmers can help you improve safety practices and reduce risk. A stronger culture of safety helps you manage work conditions and your employees more effectively, which can help improve profitability.

    You’re concerned about the negative impact of fraud on workers’ compensation costs.

    Farmers adjusters work with industry healthcare experts to review, identify and re-price questionably dishonest medical bills.

    You want to know if employees recovering from injuries can perform their jobs with temporary modifications.

    By speaking with an employee’s treating physician and work supervisor, adjusters can help identify physical limitations and the availability of appropriate modified duty.

    A dedicated in-house claims team improves efficiency

    In most cases, Farmers employees — not outsourced adjusters — manage employee injuries from start to finish.

    Farmers RealTime Billing SM streamlines your premium payment process

    Farmers RealTime Billing SM links policy premiums directly with your company’s payroll. This pay-as-you-go approach is as simple as setting up an account linked to your payroll provider or QuickBooks-like software.

    Some popular business insurance options

    Workers’ compensation coverage is just one component in a full menu of business insurance options available from Farmers. Your agent can also discuss coverage for other possible risks like:


    When a customer trips on a step at your office, she twists an ankle as she falls.

    Business liability insurance can help with medical and legal costs when someone is injured on your company’s property.

    When your business closes for repairs due to fire damage, you’re not able to generate business income.

    Business property insurance can help when a covered event interrupts your company’s income.

    No one is hurt, fortunately, in a large fire at your warehouse, but the cost of repairs will exceed the limits of your underlying business property coverage.

    Umbrella coverage can help by adding an extra layer of liability insurance — up to $10 million.

    Your delivery driver is momentarily distracted and causes a minor accident in the parking lot of an office park.

    Commercial auto coverage can help when an employee causes an accident while on company business.

    Farmers works to build strong customer relationships

    Farmers has spent almost 90 years putting customers first. Are you shopping for coverage, or do you have a question about your policy? Maybe you’re ready to get a workers’ comp quote. Be sure to let a Farmers agent deliver personalized service and support.

    This material is for general informational purposes only. This material may not reflect your particular circumstances. None of the companies comprising the Farmers Insurance Group of CompaniesВ®, or their employees or agents provide tax or legal advice. Always consult your own accountant, attorney or tax adviser as to the tax, financial, or legal consequences or advice on any particular transaction. Not all products, coverages, discounts are available in every state. Restrictions, exclusions, limits, and conditions apply.

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    Low Cost Texas Contractor Liability Insurance quotes from Texas Contractor, contractors insurance



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    Tulsa Workers Compensation Lawyers: Tulsa Lawyers: Injury While Working: Oklahoma Attorneys #workers’


    If you have been injured on the job or suffered a short term disability from work, contact a Tulsa Worker’s Compensation Lawyer for a FREE Consultation.

    Workers’ Compensation Lawyers Help If You Have Been Injured On The Job

    It’s bad enough that you got hurt on the job; your lost wages could put you in a huge financial hole. The Workers’ Compensation Act in the State of Oklahoma mandates that any person injured while working on the job is entitled to compensation under the law. The only exception, being an employer who has five or less employees, all of which are related by either blood or marriage to said employer.

    There are some workers in the agricultural or horticultural field, licensed real estate brokers, household laborers as well as federal employees who are not covered by the law. Individuals employed by an independent contractor are covered under the law by the independent contractor’s insurance. If for some reason, the contractor does not have insurance, the injured individual may be able to get benefits from the principal employer. Contact one of the seasoned Tulsa workers’ compensation lawyers to see if you are eligible .

    Workers’ Compensation Lawyers

    Workers Compensation Coverage in Oklahoma – Learn Your Rights if you are Injured on the Job

    If for some reason, your employer or does not have coverage, you still may have the right to recover damages for a personal injury which happened while you were employed. This right also extends to the heirs of deceased individuals. If you have been injured on the job or if you lost your spouse to a job related accident, a Tulsa workers’ compensation lawyer can help you obtain what is rightfully yours.

    If you are injured while on the job and you are unable to work for more than three calendar days, you can receive weekly benefits equal to 70% of your average weekly wage. The maximum weekly temporary total disability weekly benefits are based on the date of your injury and Oklahoma’s average weekly wage.

    If you have been denied a workman’s compensation claim and you have been injured while on the job and unable to work because of that injury, contact a Tulsa lawyer immediately.

    Per the law, the maximum a Tulsa workers’ compensation attorney can charge you in a temporary disability case is 10% of the award. In a permanent disability or death case a 20% fee is allowed. All attorney fees are subject to the court’s approval. Direct expenses, to prepare your case for settlement or trial, are not included in the percentages listed above.

    Attorney Website Designers is a web development and marketing company. Our many years of experience launching legal websites stands us in good stead.

    The Sam Masters Legal is a Daytona Beach Personal Injury Firm litigating cases against major insurers for over twenty years.

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    Your second car

    Motor legal assistance

    Avoid being left out-of-pocket following a claim where the other party is clearly to blame. Get legal assistance to seek recovery of uninsured losses from the party at fault, such as:

    • Car insurance policy excess
    • Alternative transport costs
    • Loss of earnings
    • Compensation for a personal injury

    We will provide cover where it is more likely than not your claim will be successful.

    • 24/7 legal helpline for advice on legal matters
    • Following a car accident, 2 hours tuition with an AA driving instructor to help regain your confidence
    • A range of motoring related online legal documents, like making a formal complaint to a garage about poor quality workmanship
    Excess protection

    Claim back your policy excess on a claim where you’re at fault or the other party involved cannot be identified.

    You can get your excess back on a claim for:

    • Accidental damage
    • Malicious damage
    • Theft or attempted theft
    • Fire
    Motor accident plan

    Motor Accident Plan pays up to 60,000 if you are injured or die as a result of a car crash.

    Motor Accident Plan significantly improves on the personal injury cover included in our comprehensive policy. Compare cover

    • Up to an additional 60,000 on top of any payment provided by your AA car insurance policy, or any other personal accident and life insurance cover (up to 40,000 for named drivers)
    • Cover for a wider range of injuries including fractures, burns and facial scarring
    • 60 cash payment for every 24 hours spent in hospital following a car accident ( 40 for named drivers)

    More information and policy documents

    Documents for driving abroad

    Are you planning to drive in Europe? Make sure you take the right documents with you in case you have an accident.

    You should take your Certificate of Motor Insurance if you travel in the EU. This provides details of your insurance cover that you’ll need to provide if you have an accident.

    You can get an explanation of how your Certificate of Motor Insurance applies in the countries we mentioned above in our multi-lingual leaflet. You’ll find this helpful while driving abroad.

    You can use your Certificate of Motor Insurance and our leaflet instead of a Green Card when you’re driving abroad in the countries listed above. The Green Card (or International Motor Insurance Card) is an internationally recognised document that shows that you have the minimum insurance cover needed by law in the country you are visiting. You do not need a green card for driving in the countries listed above.

    Travelling further afield

    You’ll need to tell us if you’re taking your car to a country that isn’t listed above. You may need to prove that you have car insurance, not just at the border, but for example after an accident. You can get a Green Card if your insurer will cover you for that country, but you may have to pay a fee for this. Please call us on 0344 412 4684.

    Longer trips and business travel abroad

    Are you planning to take your car to Europe for more than 90 days? You should let us know in advance, so that we can tell you how much it will cost to get extra insurance cover. You should also let us know if you’re planning to use your car for business travel abroad. Please call us on 0344 412 4684.

    Breakdown cover

    Arrange breakdown cover before you go if you want real peace of mind while driving abroad. AA European Breakdown Cover has a 24-hour English-speaking telephone helpline for when you’re driving in Europe.

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    Motorcycle Insurance – Compare to Get the Best Rates, best automobile insurance


    Motorcycle insurance: a guide

    Best automobile insurance rates Best automobile insurance rates Best automobile insurance rates Best automobile insurance rates Best automobile insurance rates

    Ride a motorcycle? Better make sure all your insurance coverage is in place, and get multiple quotes to ensure you get the best motorcycle insurance.

    “Best” doesn’t just mean cheapest. The minimum required coverage may leave you with stacks of bills if you have to lay your bike down.

    Yet motorcycle insurance can be less expensive than car insurance, and you are entitled to most of the same discounts.

    What insurance is needed to cover motorcycle injuries?

    Liability insurance pays for the damage you do to others. Comprehensive and collision pay to repair or replace your ride. Unless you buy some kind of specific medical coverage (either personal injury protection or medical payments), if you are at fault in an accident your own treatment costs are either paid by your health insurance or out of your own pocket.

    Your own health insurance, if you have it, is likely to cover hospitalization costs, but not all policies do. Ask. It may have a deductible — in some cases, as much as $5,000 to $10,000.

    Even if you have health insurance, it won’t cover injuries to your passenger.

    If another driver is to blame, it’s crucial to understand the importance of uninsured and underinsured motorist coverage, says Alex Hladkevych, motorcycle product director at Liberty Mutual. “If the driver responsible for a crash does not have adequate coverage,” he says, “you could be stuck with a big hospital bill.”

    The average treatment cost for a rider with traumatic brain injury was about $48,000, according to the Minnesota Department of Health.

    How much is motorcycle insurance?

    Motorcycle insurance can be anywhere from $71 to $297 a year depending on multiple factors like where you live and what type of coverage you get. Motorcycle insurance can be cheaper to insure than car insurance, but it depends a lot on where you live and the cost and performance level of the motorcycle you want to insure. Here’s a couple of examples to give you a clearer picture of how state and coverage affect rates. Also, how motorcycle rates compare to car insurance rates.

    Pricing out coverage on a used Honda Shadow Spirit 750, a 24-year-old rider in Jacksonville, Florida, looking for state minimum liability levels would pay about $71 a year, according to quotes provided by The same driver would pay about $830 a year for basic liability coverage on a 1998 Honda Civic.

    Upgrading to a newer bike that’s financed, a 2013 Honda CBR250R, requires collision and comprehensive coverage; that would bring the annual bill for the 24-year-old to $297. The same level of coverage on a financed 2007 Mazda3 would be $1,558.

    In California, those numbers look a lot different: $209 a year to insure the paid-off motorcycle, but $1,940 for full coverage on the new bike. Insuring the paid-off Civic would cost the driver $768 a year, and the financed Mazda is actually cheaper than the new motorcycle at $1,544 a year.

    You typically pay more to insure a sport bike or high-performance bike than a cruiser.

    Many motorcycle policies include some level of accessories coverage — $3,000 is typical — and roadside assistance.

    Recommended motorcycle insurance coverage

    Like auto insurance, motorcycle insurance requirements vary from state to state. Managing Editor Des Toups and experts at Liberty Mutual Insurance and Progressive Insurance recommend:

    Bodily injury and property damage liability, which covers you if you’re at fault for an accident that injures another person or damages someone’s property. This is mandatory in most states.

    Guest passenger liability, which covers anyone riding pillion. Not all liability policies automatically cover your passenger, Toups says. You may have to buy additional coverage, depending on your state laws and your insurance company. Ask.

    Comprehensive and collision coverage, which pays to repair or replace your motorcycle if it’s stolen or damaged in an accident or stolen. This is optional unless your lender requires it.

    Uninsured/underinsured motorist coverage, which covers you when the person at fault for an accident doesn’t have insurance or doesn’t have enough insurance. Some states require it; others don t.

    Medical payments, which covers the cost of medical care you require as the result of a motorcycle accident. It can be used regardless of who is at fault. (States with no fault laws requiring automobile owners to buy personal injury protection typically exempt motorcycles, making this coverage even more important.) It can also be used to pay the deductible on your health insurance.

    What kinds of motorcycle insurance discounts are offered?

    Most discounts that are available to automobile drivers are available to those insuring a motorcycle. A few are specific to bikes, though. Ask your insurance company about:

    Safety course discount: Almost all insurers will give you a discount of at least 5 percent for completing an approved safety course, usually within the previous three years.

    Riding association or affinity discount: Usually 10 percent, for members of approved ridership groups such as the American Motorcycle Association, BMW Motorcycle Owners of America, Gold Wing Touring or Road Riders Association, Harley Owners Group, Honda Riders Club of America, Motorcycle Safety Foundation or Motorcycle Touring Association.

    Good rider or safe rider discount: Depending on the carrier, three to five years without a claim or major violation wins you preferred status.

    Layup discount: Bikes stored for the winter typically can get reduced rates.

    Anti-theft discount: Motorcycles equipped with a GPS-driven locating device get as much as 20 percent off comprehensive coverage. Some carriers will waive your deductible.

    Antilock brake and airbag discounts: While these features are not common, they are becoming more so. Nationwide and Farmers offer discounts for antilock brakes; Farmers has one for airbags as well.

    Helmet discounts: Not a discount, exactly, but you can save money by wearing one. For example, Farmers Insurance offers additional medical payments coverage for riders who use a DOT-approved helmet. The state of Florida requires that riders who go without a helmet carry at least $10,000 worth of medical payments coverage.

    Can I get a multi-policy discount? How about a home and auto bundle?

    If you insure more than one vehicle or have multiple types of policies with the same company, there is almost always a discount. It may be a:

    Multi-bike discount: For those with more than one insured motorcycle with the same carrier.

    Multi-policy discount: If you have a car insurance policy and a motorcycle policy with the same company. (Multi-car policies typically require two automobiles rather than a bike and a car.)

    Bundling discount: A home and auto bundle isn’t the only way to get a discount. A motorcycle insured with the same company that insures your home typically will get you a discount on both. Bundling works with renters insurance, too.

    Most other forms of automotive discounts apply to your motorcycle coverage as well. You can get discounts for early renewal, payment in full and even a transfer discount for switching companies.

    Bear in mind that while discounts can add up, the total amount is almost always capped at no more than 40 percent of your premium. That means it always makes sense to shop around and start with the cheapest rates you can.

    Do I need to insure a scooter?

    Yes, in most states, if the engine has a displacement of 50 cc or more. See “Do scooters need insurance?”)

    Best automobile insurance rates Best automobile insurance rates Best automobile insurance rates Best automobile insurance rates Best automobile insurance rates

    Life Insurance Call Center Tampa #life #insurance #call #center


    Life Insurance Call Center for Tampa, Clearwater, Lakeland, St Petersburg, and All Other Cities in the United States from Answer Excellence

    Is your life insurance company in need of a call center? If the answer is yes, then you’ve come to the right place. At Answer Excellence, we have customized mission-critical communication solutions for life insurance companies across the nation for more than 25 years. We have a team of highly-trained operators who are thoroughly educated in every nuance of our customers’ business, and we’ll do the same for your life insurance company. From accurately directing new callers to the appropriate resources to providing current policy holders with the answers they need when time is of the utmost important, Answer Excellence will truly be a benefit to your business and enhance your relationship with your customers.


    Our dedication to excellence in everything we undertake is best demonstrated by our extensive investments in internal auditing programs. One way that we ensure our operators are living up to the standards that our name demands is by recording all of our calls, randomly reviewing a few each week, and setting up feedback sessions with our team members.

    During our reviews, here are some of the things we check for:

    • Do they say please and thank you?
    • Do the operators sound engaged?
    • Do they confirm first and last name as well as phone number?
    • Do they follow the specific guidelines laid out by the client?

    So, when you’re searching for a call center that can handle the complexity of calls that come into your life insurance company, while maintaining a superior level of courtesy and care, look no further then Answer Excellence.

    For additional information about our life insurance call center, please call or e-mail Answer Excellence today. We happily serve businesses in Tampa, St Petersburg, Orlando, Lakeland, and all other major metropolitan areas in the country.

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    Special thanks from our customers

    “I feel like we’ve really made the right decision by working with you. You’re just the kind of support we need. “
    – Ginnie B. Political Campaign Assistant

    “The operators are very professional and they get the correct information on the message. We did not realize how many calls we had been missing.”
    – Sarah F. Investment Manager

    “You guys are doing a great job. You’re very professional and take exceptional messages that are accurate.”
    – Ann D. Posh Pools of Florida

    Does mileage affect auto insurance rates? #low #car #insurance #rates


    How does mileage affect my car insurance?

    Here’s what you need to know.

    • Usually insurance costs more for a new car. However, if you have an antique or classic car, insurance is more expensive despite having fewer miles on the vehicle
    • For everyday cars, the more mileage you put on your car, the more you are using it and the risk of damage increases which means insurance providers will charge more for coverage
    • Insurance companies charge you according to the potential costs you present to them. Therefore, the less you drive, the less you will usually pay

    While there are many factors that affect the rates of your car insurance, mileage is one of the bigger, ongoing ones. The mileage on your car will make a difference in what you pay when you first insure it, but the miles you put on your car afterward will also have a substantial impact.

    No matter how many miles you have, you can always get a cheaper rate by entering your zip code now to get multiple car insurance quotes .

    Reducing Your Car Insurance Mileage

    When you buy a car you certainly don’t buy it with the intention of storing it in a garage for rare, occasional use. Unless, of course, the car is a show car or a project car! In that case, look into very specialized antique or classic car insurance .

    Therefore, plan on putting miles on your car and plan on your insurance possibly going up as a result of it. One of the best ways to avoid an increase in your car insurance premium is to keep your mileage to a minimum.

    When you first insure your car, your insurance company will ask you how many miles you estimate your car will be driven annually. Try to keep this number as accurate as possible. If you underestimate the mileage, your car insurance premium can easily increase.

    Free Car Insurance Comparison

    Compare Quotes From Top Companies and Save

    Mileage Accuracy

    Insurance companies will periodically ask how many miles you have on your car. It is never a good idea to cheat on your car insurance, so even if you are tempted to lie about this, don’t do it.

    The only person you are hurting is yourself, especially if you have a claim that can’t be substantiated by your mileage.

    Imagine if you tell your car insurance company you only have 10,000 miles on it when you have 17,000 miles. Although it seems like a small white lie, it can technically be considered insurance fraud ; and this type of insurance fraud will only save you a minute amount of money.

    Yes, you may benefit from a low mileage discount. but it s not worth the cost of losing your coverage.

    The insurance company will most likely not come to your house to verify your car’s mileage. However, if you have any accident or any insurance claim, your mileage will be reviewed by the insurance adjuster and the repair shop.

    If this happens, your world could crumble around you if your mileage is not close to what is expected.

    Your insurance claim can legitimately be denied, leaving you financially responsible for all damages involved. You can also be held liable for insurance fraud, which would cause a hassle because it would have to be proven in a court of law.

    Estimating Car Insurance

    The best way to avoid problems with your car insurance and still pay a fair rate is to be honest and calculate your mileage as accurately as possible. If your mileage varies widely on an annual basis, discuss this exception with your car insurance agent.

    Otherwise estimating the mileage for your car insurance is relatively easy. The initial mileage on your car becomes negligible once you buy your car insurance. So, after you report your beginning mileage you only need to determine how many miles you drive on an annual basis.

    Clock how many miles you drive to work and back and then calculate your annual usage for using your car for work. Add personal usage to your mileage as well.

    It is also a good idea to include your annual road trip for your vacation. If you drive 500 miles one way every summer to visit your aunt in a bordering state, add 1,000 miles to your mileage estimation.

    The difference may not increase your insurance premium at all, but at least you will have appropriate coverage.

    The insurance company is not going to hold you to every mile you estimate. They use your estimate to gauge if you drive 7,500 miles or less every year or if you drive more than 10,000 miles every year.

    It is in your best interest to give a fair assessment of your estimated mileage to your insurance agent so that your insurance premium is calculated correctly.

    If you are not a regular driver, your car insurance should be somewhat less than the person who wears out a car every couple of years. Mileage of 7,500 or less annually is usually considered average and should garner you a fair rate.

    Shop around to avoid paying too much for your car insurance. Enter your zip code now to compare car insurance quotes !

    Find return rate on whole life insurance #term #life #insurance #rate #comparison


    Find rate of return on whole life insurance

    When it comes to sorting the good whole life insurance policies from the bad, consumers focus on one number alone how much money their policy will generate.

    To project how much money your policy will yield 10, 20 or even 30 years from now, insurance companies calculate the policy s expected yearly growth. Better known as the internal rate of return, your IRR will dramatically change the longer you own the policy and will be a crucial factor for deciding whether it s smarter to hold on to your policy or shop around for a new one.

    Unfortunately, figuring out how much money your whole life policy is yielding now and what it will yield in the future is far more difficult than simply reading your policy s fine print. Here are some tips for determining how much cash your cash value policy is really providing.

    Don t do it alone

    Figuring out the rate of return on your whole life policy is almost impossible for consumers to do without help from the pros, says Tony Steuer, a life insurance analyst in Alameda, Calif. and author of Questions and Answers on Life Insurance.

    There are tons of moving parts to a lot of life insurance contracts … (and) insurance companies usually don t disclose certain information to their customers, like if they ve had a change in mortality rates, he says.

    Steuer adds that the method for calculating the rate of return on whole life insurance policies varies from company to company. While all companies factor in certain variables including how long you ve owned the policy, dividends (if applicable) and mortality charges, how much each factor counts for varies significantly between insurance providers and policies.

    Approach projections with caution

    While whole life providers frequently won t disclose how your rate of return is calculated, they will offer illustrations of how your policy is projected to perform in the future. All illustrations should include information on the costs of the policy, how much you ve paid, your current death benefit and the cash surrender value you would get for canceling the policy today. It should also include future predictions on how your policy should perform five, 10 and 20 years down the road. The bad news is that insurance illustrations are lengthy, frequently riddled with tough-to-understand industry jargon and could include predictions so outrageously optimistic, there s no way your policy will actually reach them.

    (Insurance illustrations) include a guaranteed column, says Kelly O Connor, managing agent with Mountain Financial, LLC, a wealth management group in Greenwood Village, Colo. This explains what the policy is guaranteed to look like over a certain time frame. (Consumers) can trust that guaranteed piece of the illustration.

    In certain whole life contracts, O Connor says that consumers can get an idea of how close other projections are by examining the company s dividend payout history.

    All mutual insurance companies publish their dividend history, so if you look back and see that they ve never been under 5.5 or 5.25 (percent dividends) for the last 100 years, there s a pretty good chance that that will continue, he says.

    Look ahead

    Cash value life insurance policies are designed to be long-term investments, not short-term ways to make a quick buck, says Glenn Daily, a Certified Financial Planner and fee-only insurance consultant based in New York City. To understand the rate of return for your policy, check out how the policy is projected to perform over the next few decades.

    If you re thinking of buying a new policy, You need to see the average annual and year-by-year rate of return for at least the first 20 years, says Daily. Those who already own policies should focus on the average annual and year-by-year rates of return for the next five to 10 years. By examining how their whole life policy is performing on a yearly basis, consumers get a firm idea of what kind of performance they can expect in the near future.

    Consumers should know that the year-by-year rate of return will substantially differ from the rate of return generated over several years, says James H. Hunt, a life insurance actuary for the Consumer Federation of America and former insurance commissioner of Vermont.

    It may take as long as 10 years for the average annual rate of return on a cash value life insurance policy to turn positive, mainly due to heavy first year commissions and related sales expenses, he says.

    When comparing policies or deciding if it s worthwhile to stick with the one you have, Hunt recommends hiring a third-party insurance analyst to evaluate whether a whole life policy makes sense in the long haul.

    It s impossible to know what you re getting into without hiring an expert, he says.

    Auto insurance premiums spike in South Carolina as crashes increase and repair


    Auto insurance premiums spike in South Carolina as crashes increase and repair bills swell

    Increase in health insurance premiums

    As more sensors and cameras become part of a vehicle’s makeup, repairs can become more costly. Paint and body prepper William Smithey repairs a front bumper at Rick Hendricks BMW on Tuesday. Wade Spees/Staff

    Traffic fills Interstate 526 toward Westmoreland Bridge over the Ashley River on Tuesday. Congestion across the country has gotten worse as the economy has improved and more people have gotten back to work. In South Carolina, experts say that’s led to more wrecks — and higher insurance premiums. Wade Spees/Staff

    South Carolina drivers are getting in more wrecks, the damage is getting more expensive to repair, and the state’s auto insurers are starting to pass along the bill.

    In short, that’s the confluence of factors causing insurance premiums in the Palmetto State to spike after creeping up gradually throughout the economic recovery.

    Auto premiums are jumping across the country thanks to a robust economy that’s put more drivers on the road and an influx of new technology that’s made cars more expensive to fix. And the phenomenon appears to be especially pronounced in South Carolina, where a long stretch of better-than-average job growth, a fast-growing population and a high rate of crashes have pinched insurers’ profits.

    The state’s 10 largest auto insurers increased premiums an average of 8.9 percent last year, according to the S.C. Department of Insurance, more than double the rate of change they recorded in 2015. That came as the gap between what carriers take in and what they pay out widened: In 2015, insurers paid about $1.11 in claims for every dollar they collected in premiums.

    “Our loss experience has not been favorable for several years,” said Roszell Gadson, a spokesman for State Farm, the largest auto insurer in South Carolina. The company raised premiums an average of roughly 12 percent “to better cover expected claims costs,” Gadson said in an email.

    The pace of premium increases has sped up in South Carolina in recent years as auto insurers pay out to cover more wrecks and more expensive repairs.

    And while those increases are still filtering through renewal notices, insurance experts say there’s little indication that the underlying factors — costlier damage and increasingly frequent crashes — have let up. In each case, the strengthening economy is likely a factor.

    For one thing, as Americans’ finances improve and they buy new cars, they’re increasingly opting for advanced safety features that cram cameras, sensors and other costly technological features into parts that were once inexpensive, like bumpers and side mirrors.

    “If you tap someone’s bumper now, you’ve taken out cameras and sensors,” said Ray Farmer, the director of the state Department of Insurance.

    New technology like blind-spot monitors and lane assistance might help prevent some accidents, but the benefits haven’t been fully realized, said Robert Hartwig, a University of South Carolina professor who until last year ran the Insurance Information Institute.

    The average vehicle on American roads is nearly 12 years old, so while new features might help in some cases, they’re not commonplace enough to prevent most wrecks. A car with automatic braking might help prevent a collision, for instance, but if it’s rear-ended by a pick-up truck without it, that feature won’t do much good — and the repairs will be expensive.

    “We are at a point right now where the technologies are driving up the cost and are having, on the margins, some favorable impacts in terms of reducing the number of accidents,” Hartwig said. “But those favorable impacts are swamped by the fact that overall in the United States, everybody is driving more.”

    And by all accounts, the number of wrecks in South Carolina and across the country is rising.

    Opinions vary about what’s causing the increase, and experts say it’s likely a combination of factors, each of them plain enough to see in rush hour traffic: Congestion’s getting worse, smartphones are distracting drivers and people are taking to the road more often.

    The number of crashes in South Carolina topped 140,000 last year, according to the S.C. Department of Public Safety. Slightly more than a quarter of the wrecks caused injuries.

    That’s not surprising in a strong labor market, since crashes tend to be more frequent when the economy is good. Low unemployment means more commuters headed to work, more capacity to shop and more opportunity to take vacations. More cars on the road, meantime, leads to more congestion and collisions.

    All told, nearly 1,000 people were killed on the road across the state — an unusually high toll for a state this size. The 975 deaths last year essentially matched the number of fatalities recorded in 2015, when the state the most deaths per mile driven in the country.

    So far, this year is on track to be deadlier still. As of Sunday night, 432 people had died on the state’s highways, according to the Department of Public Safety. That was an increase of 17 fatalities, or 4 percent.

    Reach Thad Moore at 843-937-5703 or on Twitter @thadmoore.

    Minimum car insurance requirements #liability #insurance, #minimum #car #insurance #requirements


    Minimum car insurance requirements

    Most states require you have car insurance and have laws that outline the minimum level of coverage you must buy.

    The minimum limits your state requires, however, may not necessarily be adequate. A car accident can cost far more than the limits mandated by most states. The Insurance Information Institute recommends you carry at least $100,000 of bodily injury protection per person and $300,000 per accident (known as 100/300).

    How to read auto insurance liability limits

    1. First number: Bodily injury liability maximum for one person injured in an accident.
    2. Second number: Bodily injury liability maximum for all injuries in one accident.
    3. Third number: Property damage liability maximum for one accident.

    For example, if you live in New York, the minimum liability limits are $25,000 for injury liability for one person, $50,000 for all injuries and $10,000 for property damage in an accident (written as 25/50/10). Plus, New York requires you to have personal injury protection (PIP) and uninsured motorist bodily injury coverage (UM).

    UM, what?

    Here’s your guide to the car insurance acronyms in the chart below.

    • UM = Uninsured motorist coverage.
    • UIM = Underinsured motorist coverage.
    • UM BI: Uninsured motorist bodily injury coverage.
    • UMPD: Uninsured motorist property damage coverage.
    • PIP: Personal injury protection.
    • PPI: Property protection insurance (Michigan).
    • BI liability: Bodily injury liability.

    Car insurance requirements by state

    * New Hampshire doesn’t require car insurance, but you must be able to show proof of financial responsibility if you’re in an accident.

    Uninsured and underinsured motorist coverage

    A total of 21 states, plus the District of Columbia, require either uninsured motorist (UM) bodily injury coverage by itself or both UM coverage and underinsured motorist bodily injury (UIM) coverage.

    Uninsured motorist bodily injury covers medical expenses if you or your passengers are injured by an uninsured driver. Underinsured motorist is triggered when the at-fault party is insured but his insurance limits are too low to pay all of your medical bills.

    Uninsured motorist property damage (UMPD) covers damage your car received from an accident with an at-fault uninsured driver. UMPD is required in only eight states.

    What is no-fault car insurance?

    If your state has a “no-fault” auto insurance law, your auto insurance policy must pay medical bills for you and your passengers regardless of who caused the accident.

    Your no-fault coverage — which is your personal injury protection (PIP) — may come with a copayment and/or deductible. No-fault coverage applies only to bodily injury claims. If you also have car damage, you would make a claim for the damage against the at-fault party s property damage liability coverage.

    No-fault laws are intended to keep insurance fraud down.

    Deciphering auto insurance liability across state lines

    If you hold the minimum automobile insurance required in your state and are involved in an accident in another state that requires higher minimum coverages or other coverage (such as personal injury protection), typically your policy will automatically increase to meet that state’s minimum coverage requirements.

    For example, if you’re a Connecticut driver (where minimum liability coverage is $20,000 of bodily injury protection per person, $40,000 of bodily injury protection per accident and $10,000 of property damage per accident, referred to as 20/40/10) and are involved in an accident in New York (which requires 25/50/10 of liability coverage), your auto insurance will automatically extend to meet New York’s requirements. This boost can be helpful, especially when you cause a large amount of property damage.

    Some states restrict the ability of their citizens to sue one another for pain and suffering after a car accident. Puerto Rico (a U.S. territory) and 12 states have “no-fault” laws:

    These laws mean that your car insurance must pay for bodily injury damages no matter who’s at fault in an accident. However, these same states allow their citizens to litigate against folks from other states after a car accident.

    For example, you are limited in your ability to sue for damages if you live in Pennsylvania. When buying your auto coverage you have two choices of liability: “full tort” or “limited tort.” If you choose “limited tort,” you will pay less in premiums but you won’t be able to sue another Pennsylvanian for pain and suffering unless you’re seriously injured and your medical bills exceed a specified minimum amount. What constitutes a serious injury is outlined in your car insurance policy. If you choose full tort, your premiums will be more but you will be able to sue no matter the amount of your damages.

    Throw out the rulebook if someone from another state crashes into you. Even if you have Pennsylvania “limited tort,” you’ll be able seek compensation for pain and suffering in the court system if someone from outside Pennsylvania crashes into you.

    Visit’s annual ranking of the best car insurance companies to shop for the best pricing on your required insurance coverage.

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    What is third party liability insurance? #third #party #damage #insurance


    What is third party liability insurance?

    Find a clear definition of third party liability insurance, explained with practical examples.

    For any business owner, third party liability insurance is an important consideration, as it covers you for claims made by a member of the public against your business. It’s another way of describing public liability insurance. which is a core cover for businesses that come into contact with clients, suppliers, and other third parties. Since insurance terms like ‘third party’ and ‘liability’ can be confusing, we’re going to provide a definition of third party liability insurance and delve a bit deeper into what it covers and whether it’s right for you.

    Definition of third party liability insurance

    When you take out an insurance policy, you’re forming a legal relationship with your insurance provider. In this relationship, you’re the ‘first party’ and the insurer is the ‘second party’. The ‘third party’ is someone who doesn’t have any involvement with creating this contract, but could be affected by it. This is usually a member of the public who can make a claim against you.

    If you face a compensation claim from a third party, your liability insurance could pay out to cover your legal expenses as well as the compensation payment, up to the limit of your policy.

    So, who exactly could the third party be?

    In the case of business insurance, the third party could be a customer, a client, a supplier, or just someone who comes into contact with your business on your premises or in the street. If they’re injured or their property is damaged by your business, they could claim compensation from you.

    Typical third party liability claims

    Imagine you’re a builder working on scaffolding and you drop a brick that damages a car parked below, or you’re a restaurant owner whose supplier trips over a wet floor while delivering ingredients. In either case your business could be faced with a compensation claim.

    This compensation payment can take into account medical costs, lost earnings, and the replacement or repair of damaged property. As you can imagine, this means that compensation payments can be huge, so it’s important that you’ve got the right level of third party liability insurance. You can usually choose £1 million up to around £10 million of cover, based on the risks that your business faces and the possible extent of compensation claims. You should also check your client contracts, as some clients will demand a particular level of public liability cover.

    Getting covered

    Simply Business offers third party liability insurance from some of the UK’s leading providers. You can compare public liability quotes. add any extra cover you need to your policy, and buy online in minutes. Hit the start your quote button below to begin.

    Let us know if you have any more questions in the comments section, and we’ll do our best to answer them.

    Ready to set up your cover?

    As the UK’s biggest business insurance provider, we specialise in public liability insurance and protect more trades than anybody else. Why not take a look now and build a quick, tailored quote?

    Home – Tedford Insurance, homeowners insurance tulsa ok.#Homeowners #insurance #tulsa #ok


    Mike Tedford with Tedford Insurance Endorsed by Dave Ramsey

    We are so excited to announce that Dave Ramsey has brought us on as an Endorsed Local Provider (ELP) Home Insurance and Auto Insurance for the Tulsa and surrounding areas.

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    Large Commercial Insurance

    Our Tedford Commercial Lines department is staffed with industry professionals who are passionate about your business. We are determined to surpass your expectations.

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    Small Business

    Our Tedford Small Business department has been designed to meet the needs of today’s small business owners.

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    Our Personal Lines department is staffed with knowledgeable professionals dedicated to providing you with the care you deserve.

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    Employee Benefits

    We believe in partnerships at Tedford Insurance. Our goal is to “partner” with you in order that we may fully understand and adopt your philosophy as it pertains to benefits for your employees.

  • Homeowners insurance tulsa ok

    Surety Bonds

    The Tedford Surety & Bond Department has experienced professionals ready and willing to handle any bonding situation that your company encounters.

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    Convenience Stores

    Today’s convenience stores offer a wide range of choices – and as a business owner, you know that with those choices come a wide range of risks.

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    Welcome to Tedford Insurance

    At Tedford Insurance, our scope of expertise and access to insurance solutions means we meet our clients’ requirements while simplifying their coverage. We look forward to working with you to find the right solutions for your complete insurance needs.

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  • AIA Group Limited – Pan-Asian Life Insurance Company, international life insurance company.#International


    2017 Interim Results

    AIA Delivers Excellent Results in the First Half of 2017

    Annual Report 2016

    View our latest Annual Report

    ESG Report 2016

    View our latest ESG Report

    The Healthiest WorkPlace

    It’s a simple but important fact: employee health is key to business success.

    AIA Vitality

    We support you in taking charge of your health

    2017 Interim Results

    AIA Delivers Excellent Results in the First Half of 2017

    Annual Report 2016

    Longer, Healthier, Better Lives

    Environmental, Social, Governance

    Our commitment to Environmental, Social, Governance

    The Healthiest WorkPlace

    It’s a simple but important fact: employee health is key to business success.

    AIA Vitality

    We support you in taking charge of your health

    The Real Life Company

    We are genuinely engaged in people’s lives, providing the right financial solutions for them and their families in a constantly changing world. Together, we make The Real Life Company.


    a century of history

    in the region
    Almost a century of history in the region

    100% Focused on Asia-Pacific

    AIA was founded in Asia, is headquartered in Asia and present in 18 markets across the Asia-Pacific region.

    100% Focused on Asia-Pacific
    We can help you plan and take the steps needed to


    providing you with peace of mind in a fast-paced and constantly changing world.

    AIA Group’s size and strength

    AIA Group’s Size and Strength


    Our focus is on providing our customers with the right solutions to meet their individual needs, and in doing so help them solve whatever life challenges may arise. Please find below some examples.

    International life insurance company

    Providing Peace of Mind

    “We want peace of mind to grow our family”

    Eric and May started a new chapter in their life with the arrival of their son, Adrian, two years ago. Like so many other Hong Kong couples, they work extremely hard to provide for their family while also trying to fulfil their life goals.

    International life insurance company

    Take charge of your own health

    “I take charge of my life and my own health”

    Sing Mei enjoys spending time with her friends, seeing the world and advancing her career. She is starting to think more about her future and how she can keep enjoying everything she loves.

    International life insurance company

    Financially secure in good times and bad times

    “I want to be sure we are prepared for the unexpected.”

    Mr. and Mrs. Li are proud of their family, adore their grandchild and are comfortable with the thought of retiring after what they hope will be another 10 years of success in their work. However, Mr. and Mrs. Li wonder whether they have done all they can to protect themselves and their loved ones.

    AIA recognises everyone has different needs at different stages of life. AIA is committed to helping you meet your financial needs and goals with a wide range of life and health protection and long-term savings products.

    Putting a plan in place to achieve your financial goals requires both objective and expert advice. AIA’s professional and dedicated team offers high-quality advice and support that provides customers with the savings and insurance cover they need to meet the challenges and opportunities that life presents.

    Life Insurance

    Protect your loved ones’ future from life’s uncertainties

    Vehicle excise duty #car #insurance #in #ca



    If your car was first registered before 1 April 2017 then you’ll continue to pay car tax (VED) under the current CO2-based system, but for new cars it’s all change from 1 April.

    What are the new car tax (VED) rules from April 2017?
    • The first year rate will be based on official CO2 figures.
    • A flat standard rate of 140 will apply to all cars except those releasing 0 grams CO2/km for which the standard rate will be 0.
    • An extra charge of 310 a year will apply to cars with a list price over 40,000 in the first 5 standard rate years .
    • Read more details below
    VED basics

    All vehicles registered in the UK and used on public roads must be taxed.

    If you re not using it, you must either let the DVLA know it s being kept off-road with a SORN (Statutory Off Road Notification) or continue to tax it.

    • The cost of car tax (Vehicle Excise Duty) depends on how old your vehicle is and its engine size or official CO2 emissions. From April 2017 it ll depend on the car s list price when new, too.
    • The CO2 figure for your car is on the V5c registration document, as it s measured in official tests before the car s available to buy.
    • The DVLA stopped issuing paper tax discs from 1 October 2014.
    • Check the tax status of any vehicle all you need is the vehicle s make and registration number.
    • Rules for cars first registered before 1 March 2001
    • Rules for cars first registered between 1 March 2001 and 31 March 2017
    • Rules for cars first registered on or after 1 April 2017

    Registered before 1 March 2001

    Car tax is based on engine size, as official CO2 data wasn t generally available. So, if the engine is:

    • 1549cc or smaller: 150 a year (2017/18 rate)
    • Bigger than 1549cc: 245 a year (2017/18 rate)

    Registered between 1 March 2001 and 31 March 2017

    There’s a series of car tax bands based on official CO2 emissions that your car will fall into.

    There s a different rate for brand new cars for the first year this showroom tax was introduced in 2010. The cost then changes to the standard rate from the second year.

    1 12-month non-direct debit rate and single 12-month payment direct debit rate. Alternative fuel car (tax class 59) discounts are: 2015/16 10 all cars, 2016/17 10 all cars 2017/18 10 all cars

    2 Includes cars releasing over 225g/km and first registered between 1 March 2001 and 23 March 2006.

    Registered after 1 April 2017

    From 1 April 2017, there will be big changes to how cars are taxed. The main points are:

    • The first year rate will be based on official CO2 figures.
    • A flat standard rate of 140 will apply to all cars except those releasing 0 grams CO2/km for which the standard rate will be 0.
    • An extra charge of 310 a year will apply to cars with a list price over 40,000 in the first 5 standard rate years .
    • Alternative fuel cars (tax class 59) pay 10 less than the First year and standard rates below.
    • Cars first registered before 1 April 2017 will continue to pay car tax under the old system.

    Historic vehicle exemption

    Cars built more than 40 years ago will be automatically exempt from paying car tax, from 1 January 2017.

    Car tax or road tax?

    Cars started being taxed in 1920 as local councils had to start registering all vehicles. It was called Vehicle Excise Duty (VED) and was based on horsepower. Tax discs were later introduced in 1921.

    This new tax was initially used for building and maintaining roads. As it was paid directly into the road fund it was known as the Road Fund Licence or road tax.

    In 1936, road works were being paid for by government grants. As the road fund wasn t needed any more, it was abolished in 1955. So while it might have been right to refer to it as road tax or the Road Fund Licence before 1936, this hasn t been the case since.

    End of the road for the tax disc

    One of the biggest changes in DVLA history was the abolition of the 93-year-old tax disc, on 1 October 2014.

    Also, the DVLA now issues automatic refunds on car tax for any full months left to the registered keeper when a vehicle is sold, scrapped or a Statutory Off Road Notification (SORN) is made. In the past, you could transfer car tax from your old vehicle to the new one.

    Oh no, you’re leaving!

    Jeep Cars, SUV #insurance #for #cars #prices


    Jeep ’s reputation for building capable off-road vehicles continues in the company’s current lineup. Vehicles such as the Wrangler continue to be successful, and the subcompact Renegade crossover fills out the bottom of the lineup.

    Least Expensive. Sharing a platform with Fiat’s 500X compact crossover, the pint-sized Jeep Renegade is the least-expensive Jeep. Even with its Fiat underpinnings, the Jeep Renegade Trailhawk is more capable off road than you’d believe.

    Sportiest. With nearly 500 horsepower from a 6.4-liter Hemi V-8 engine, the Jeep Grand Cherokee SRT is one of the most powerful SUVs available. Using the SUV’s launch control will propel it from a dead stop to 60 miles per hour in under 5.0 seconds.

    Popular. The Jeep Wrangler ’s architecture has remained largely untouched since its introduction decades ago. Although the Wrangler has become more comfortable over the years, it’s still just as capable off road. The Cherokee and Grand Cherokee are also best-sellers for the brand.

    Most Expensive. The Jeep Grand Cherokee SRT with options can run past $70,000 with options.


    30 Hwy / 21 City


    The Jeep Cherokee is a well-known nameplate with a long production history and unique styling. For years, the

    26 Hwy / 22 City


    Jeep initially developed the Compass for the on-road consumer seeking a comfortable and affordable compact SUV. With a

    26 Hwy / 19 City


    The Jeep Grand Cherokee offers exceptional off-road capability without sacrificing on-road ride comfort. A range of six- and

    26 Hwy / 22 City


    Known for its affordability, the boxy Jeep Patriot continues to sell well. Rivals include the Subaru Crosstrek, Chevrolet

    31 Hwy / 24 City


    Currently the smallest model in Jeep s lineup, the Renegade is one of the newest entries in the rapidly

    21 Hwy / 17 City


    The Jeep Wrangler continues to be one of the most capable SUVs off-road and is available in two-

    21 Hwy / 16 City


    Compared to the standard Jeep Wrangler, the four-door Wrangler Unlimited is a tenth of an inch taller and

    Car Insurance – Your Health Insurance, pip car insurance.#Pip #car #insurance


    Car Insurance and Your Health Insurance

    Accidents happen, and sometimes your regular health insurance isn’t enough to cover the cost of personal injury. That’s where additional car insurance kicks in.

    How Does Car Insurance Work with Health Insurance?

    Medical car insurance coverages will help you pay for your injuries, whether or not you already hold health insurance. You’ll be able to supplement your healthcare coverage with these coverages so that you aren’t left paying for what your healthcare won’t cover.

    In theory, you car insurance coverage should pay first. This means that once your limits are exhausted, you can begin tapping into your health insurance for additional costs.

    Medical providers will likely perform necessary care services and then work with your auto insurance company to facilitate payment. Remember that you will be responsible for deductibles on any policies that you use.

    Which Car Insurance Coverages Pay for Injuries?

    Some car insurance companies offer coverage that help pay for medical expenses, too.

    • Liability coverage.
    • Personal injury protection.
    • Medical payments coverage.
    • Uninsured and underinsured motorist coverage.

    In most states, liability coverage is the minimum coverage a person is required to hold.

    That said, liability protection for medical coverage only applies if the other driver is at fault meaning, the other driver’s liability coverage would pay for your injuries.

    Your own liability coverage never pays for your own damages.

    Generally, personal injury protection (PIP insurance), also known as “no-fault coverage,” is is only available in no-fault states. It is often required, but may be available as additional optional coverage.

    PIP insurance pays for your injuries without regard to fault. So unlike liability coverage, which will only pay out damages to the other driver when you’re at fault, PIP will cover you even if you caused the accident.

    PIP is a wise addition to your car insurance policy because it can take care of what your health insurance might not cover.

    PIP, for example, can help you pay for:

    • Personal injury expenses related to the accident, such as:
      • Hospital and doctor’s bills.
      • Prescriptions.
      • In-home services and rehabilitation.
    • Lost wages, such as those due to a disability arising from the accident.
    • Funeral expenses.

    You can learn more about no-fault coverage and no-fault states on our PIP Insurance page.

    Similar to PIP, medical payments coverage kicks in when you exceed your regular health insurance limits.

    In addition to medical costs and funeral expenses, medical payments coverage can also include the costs to:

    • Your passengers.
    • You, if you’re a passenger in someone else’s car.
    • You, if you’re struck by a car while walking or cycling.

    Uninsured and Underinsured Motorist Coverage

    As mentioned above, depending on another driver to carry enough insurance (or, in some cases, any insurance) is risky.

    Adding uninsured and underinsured motorist coverage to your car insurance policy financially protects you against motorists who don’t have enough or any coverage to pay for the personal injuries they’ve caused you.

    Talk to your car insurance provider about whether these coverages would benefit you.

    What Is Required?

    Generally, only liability coverage is required, although some states require collision and comprehensive coverage if you’re leasing a vehicle or still have a loan on it.

    As explained above, personal injury protection (PIP) is required in no-fault states, though some allow you to waive the coverage in writing.

    Certain states may require other coverages, but for the most part all other types are considered optional. Take into account your health insurance coverage and how much protection you want or need before making a decision on additional car insurance coverages.

    Deciding What You Need

    You’ll need to consider how robust your current healthcare plan is. If you’ve got great healthcare coverage, you may choose to elect only a very low limit for your medical coverage. And vice versa.

    Note that certain car insurance coverages will go beyond just medical bills. For examples, PIP insurance pays for lost wages due to accident-related injuries.

    See “Which Coverages Pay for Injuries” above for more detailed information on each of these extra coverages.

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    To share your feedback, please visit our Customer Care page.

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    Auto Insurance Quotes Compare, free home insurance quotes.#Free #home #insurance #quotes


    Compare Auto Insurance Quotes

    Enter your 5-digit ZIP Code, and click at “Compare Quotes” then get the best auto insurance rates saving over $520 on automotive policy. We are here to provide you cheap and quality auto insurance quotes that can be obtained through comparison tool online. Check out here leading national insurers that provide various auto insurance deals to choose the cheapest annual prices. Such comparison process allows you to get free quotations by zip code, just in some minutes. It compares offers and provides quote by quote from major USA vehicle insurers unless the client is satisfied, including home insurance quotes. Also you may get few different offers from top companies, this is also available when you enter your zip code and start the process online.

    Comparison of Auto Insurance

    It is clear how is affordable our rates are, and how much you can save with us. If you use free quotes comparison service, this is the best way to be insured, finding cheap prices and take advantage of them. Spend around 2 minutes to protect yourself and your auto to stay prepared to accidents and damage which may happen with your vehicle and another person’s car or city property.

    How to Apply Quote Request

    Enter zip code and go to the next step. It needs to fill in some information about your vehicle if you are looking for auto insurance policy. To get home insurance coverage you need to provide information about your house accordingly. Usually agents and companies ask to provide such information because it needs to calculate rates online using zip code. We compare offers from huge amount of companies and provide you the most affordable offers. Comparison takes few minutes, check out quotes online and save on policy.

    Auto Insurance

    Get cheaper quotes here on auto policy.

    Home Insurance

    Get cheaper rates here on home policy.

    Getting cheap insurance quotes by zip code on auto coverage is the first thing you should to do after buying your new or used car. Don’t delay to start process of getting instant quotes for auto or home owners policy to avoid any kinds of financial losses if car accidents happen. You should remember, if you need safety for your car, start comparing affordable rates for picking up the best one on any term policy by instant comparison tool of quotations.

    The main aim is to get the most affordable auto protection policy by cost, reliability and full list of protection. We made this process easy, you just need to compare quotes on auto assurance by zip code to get list of local companies. With us you will find solution which make your policy cheaper by installing alarm systems and other systems for your car or home security. Combine types of protection like car with life or health protection to save more and become more insured. You will get maximum amount discount on policy cost.

    We are a US-based company Why Choose Us

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    We know what Trust means

    Our company starts cooperation with major companies at insurance market to increase set of services and do search for the best deals. These events lead to rise of staff amount, improving service quality and beginning of processing orders through Know Your Customer system. Now you can do the following things with us:

    • Free comparison of affordable deals from top local insurers
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    Free home insurance quotes

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    Company rises each day from the beginning

    We do the best to get huge discounts for our concumers. We conclude very attractive contracts and are able to provide really affordable deals in your area. Our business activity is aimed at providing maximum customer discounts and improve service conditions against future company. Please check our testimonials and leave your feedback.

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    Become Insured and then rest assured

    It is fast and easy to get quotes online by zip code

    Very huge amount of costumers get quotes online through different widgets forms by zip code, because rates are more cheap for seekers. It is also important to understand that you have an advantage when you have the choice between two or three companies, you compare, you are looking for and find. We are helping to do this here, right now, in this moment, you can start saving no less than you spend on gifts at Christmas!

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    Be informed that our service can process and provide services all time all days, we are open 24 hours 7 days per week. We are available for urgent or non-urgent requests, and always ready to help each client because the priority of our work is know your customer system.

    The 4 Best Ohio Homeowners Insurance Companies – The Simple Dollar #homeowners


    The 4 Best Ohio Homeowners Insurance Companies

    Ohio residents don’t have to worry much about natural disasters, and homeowners insurance premiums in the state are low as a result. The average annual home insurance rate in Ohio is just over $721 — well below the national average of $1,034.

    That being said, rates fluctuate between cities and really depend on the condition of your home as well as the provider you choose.To make sure you’re receiving the right coverage at the best possible price, make sure to shop around contact several companies for quotes. We’ve highlighted our picks for the best providers of Ohio homeowners insurance to help you in your search, and have included a quote comparison tool below so you can easily get started.

    For more information regarding specific Ohio policies and plans, you should also visit the Ohio Department of Insurance’s Guide to Homeowners Insurance .

    Find the Best Home Insurance Rates

    Enter your ZIP code below and be sure to click at least 2-3 companies to find the very best rate.


    Progressive has some of the lowest rates for homeowners insurance premiums in Ohio, along with solid coverage options. A standard policy pays up to the limits you outline for any covered damage made to your dwelling or personal property, protects you in case you are sued for liability, covers any medical expenses incurred, and covers any additional living expenses in the event that your home is unlivable after a loss.

    Progressive offers a large selection of optional add-on coverage, so you can tailor your policy to meet the needs of your home and budget. Their Guaranteed Replacement Cost coverage ensures comprehensive protection in case of a loss and their Inflation Guard Endorsement automatically adjusts your home insurance limits so they are at 80% or more of your home’s replacement cost. You can cover specific valuables that are not typically included in a standard policy with a personal property endorsement from Progressive, and you can hedge against identity theft and credit card fraud by increasing coverage for resulting expenses.

    Like most other providers, Progressive offers discount options for policy bundling and installing protective devices like burglar alarms. However, Progressive misses a few other common discounts, like those for new or recently renovated homes and for remaining claim-free. Although Progressive has low rates, you should consider looking elsewhere if you believe you would qualify for these price breaks, and compare final quotes before making your decision.


    Nationwide is a popular homeowners insurance option in Ohio because the company offers consistently cheap and reliable coverage. A standard Nationwide homeowners insurance policy protects against most damage made to your dwelling or additional structures on your property, as well as to your personal belongings. Add-on coverage choices include Nationwide s unique Brand New Belongings option, which allows you to replace any damaged or destroyed items with brand-new versions at no additional cost to you.

    Nationwide offers an array of discounts you can save up to 30% based on the age of your home, 20% for bundling policies, 15% for installing protective devices, 15% for being over the age of 60, 5% for being married, and more. Nationwide also has an exclusive partnership with Plenti, a rewards program that lets you earn points by shopping at popular retailers.

    If you choose Nationwide as your Ohio homeowners insurance provider, make sure to take advantage of their free On Your Side review with an agent. You can learn how to manage your deductible, understand the specifics of your policy, and select the optimal level of coverage without over-insuring yourself or, more importantly, overpaying.


    Allstate has a wide range of coverage options, numerous discounts to make your policy more affordable, and exceptional online resources and tools. Regardless of the type of home you live in, be it a ranch, a condo, or even an older home, Allstate offers standard coverage options to protect your dwelling. Allstate also offers unique add-on coverage to protect and recover the things that matter most to you expensive sports equipment, business property, musical instruments, and even electronic data.

    Allstate offers numerous discounts ranging from those that are relatively standard, such as 30% for multi-policy bundling and 20% for going claims free, to those are more unusual, such as a 10% Welcome discount and 5% for setting up automatic payments. Where Allstate truly has an edge over its competitors, however, is in their online resources and tools. Allstate’s Premium Gauge tool, for example, allows you to see how various factors, like the age of their home or installing a protective device, would impact your premium rate. Their Digital Locker lets you keep a protected running inventory of all your items and their respective worth. You can access this locker from any synced device and use it to recover quickly and efficiently after a loss. Allstate offers educational articles, videos, and tips that can help you make important decisions as a homeowner.

    Cincinnati Insurance

    The Cincinnati Insurance Company was formed by four independent insurance agents in 1950, with a dedication to providing local, quality coverage to Ohio communities. Although the company has since expanded and now serves 39 states, the mission remains the same. Cincinnati offers a personalized homeowners insurance experience at an affordable price, is backed by an A++ (superior) financial stability score from A.M. Best, and is consistently well-rated for customer satisfaction by J.D. Power Associates.

    Cincinnati Insurance offers two types of standard homeowners policies Executive and Executive Classic. The Executive Policy covers your dwelling and other structures, personal property, legal liability, and provides additional living expenses if your home is unlivable after a loss. This policy is easily customizable with add-on coverage, like protection for your home business, to fit the needs of your home.

    The Executive Classic Policy covers high-value homes and provides the same benefits as the Executive Policy, but with a few added perks. The Executive Classic covers the cost of a professional survey of your home for reconstruction, the full cost of rebuilding your home with similar materials after a covered loss, as well as the full repair of your items and payment for purchasing item replacements.

    Although Cincinnati offers standard discounts like those for multiple policy bundling, new homes, claims-free history, and home alarm installation, the company nonetheless has fewer discount options than some of its larger competitors. Strong financial ratings, high-quality customer service, and affordable prices, however, make Cincinnati a solid option for your Ohio homeowners insurance policy.

    Find the Best Home Insurance Rates

    Generate Life Insurance Leads Using These Four Life Insurance Prospecting Ideas, exclusive


    Life Insurance Leads

    The Life Insurance Agents Life Support System.

    Insurance agents, this is your help website.

    Each topic page on our website is a mini training experience.

    Click on your topic of interest using the nav bar on left side of page

    Four Methods To Generate Life Insurance Leads.

    Life insurance leads are usually generated by a variation of these 4 methods depending on who you talk to. We will provide a general discussion of each area.

    If you want to review more detailed information on any of these methods discussed below, just click on the highlighted links on this page.

    So what is the real story on how to get insurance leads !

    Based on my years in the business, it is not uncommon that the agents first 100 prospects will probably consist of people they know. And then when they are gone, oops, what do we do? Well like most of us that started in this business we go through the following progression, which we call the prospecting ladder.

    Generating life insurance leads requires a system. It needs to be adhered to, day in and day out. It must become a habit. You must understand that this is how you replenish your inventory. When you run out of Inventory, you are out of work.

    Additionally, I have included some other concepts and prospecting ideas (methods 2,3 and 4 below ) that i learned and are not usually taught in home office schools.

    Prospect or Die E-Book – Just published Developed for insurance agents in need of prospecting ideas, techniques and concepts. Get yours now

    Name generation or cold calls as I refer to them. They require the most work. But they are names and people to call and they will create activity.

    These type of names are generated through, newspapers, credit bureau green sheets, chamber lists, club lists, new married, new babies born, buying lists of names and so on.

    These type of insurance sales leads usually consist of lists of people and are usually unqualified names. All you really have is a persons name, address and maybe couple other pieces of information.

    Here is a more indepth discussions on prospecting.

    METHOD NUMBER 2: These techniques provide a more qualified prospect.

    Setting up your own board of directors, (What is a board of directors?) and using lunch appointments to sit down with these key people from time to time is a good method. This is a low profile method to keep generating life insurance leads by using key people.

    Orphan policy holders. (Existing clients that no longer have an agent because the agent quit, moved away or whatever) your company manager can provide you with orphans. Just ask your agency manager.

    Just Meeting people in social events. Never get into discussion about your product. Set up teaser question and get persons name. “Mr. jones, Has anyone ever helped you set up a formula for saving money and determining your financial goals in life? I would like to give you a call and share some ideas with you sometime, if that is okay. Is it best to contact you during the day or is the evening better.” (remember,always give a choice.)

    METHOD NUMBER 3: And my most fun favorite was asking the people that said no when I was phone calling them for an interview: this was fun for me because I wanted to see how good I was and it was always a challenge.

    Here is how it worked—

    Before you hang up you should say something like this: Mr. Prospect, thanks for visiting with me, even though you are not interested in getting together with me at this time.

    Who do you know that may have just bought a new house, just had a baby, just got a job promotion? Wait for response. (Believe it or not most people will be glad to help give you life insurance leads, you just need to ask)

    METHOD NUMBER 4: Referrals:

    But the best way to generate free life insurance leads is the Referred lead System. Learning the referred lead concept will make your life easier in the long run and help you accelerate to the top of the prospecting ladder. This method is the most efficient. Not only will your income increase, but the size of your case and your persistencey will go up. There are two methods I used when I was selling: The referred lead card system and the appreciation dinner concept. So if your new just starting out in the business or a struggling agent, and if you want to make prospecting and selling life insurance less stressful, while making your professional life easier, take the time to learn the referred lead card system. Practice it till you get it right so that it is working for you.

    I hope this Life insurance leads and associated articles will help you with your prospecting skills.

    Before you leave, I want to personally invite you to sign up for our free Brainstorming newsletter. learn how this brainstorming newsletter can help you.

    Supplemental Dental Insurance – CarePlus Dental Plans #supplemental #insurance #plan, #supplemental #dental


    CarePlus SUPPLEMENTAL Dental Insurance

    I have dental insurance but want to pay less out-of-pocket.

    CarePlus SUPPLEMENTAL dental insurance is offered exclusively to patients of Dental Associates that are currently covered by a fee for service (FFS) dental plan. (Have PPO dental insurance? See our ENHANCED dental plan .)

    The CarePlus SUPPLEMENTAL dental plan works with your current dental insurance plan by providing additional coverage to reduce or eliminate out-of-pocket expenses. Even if you exceed your annual dental maximum, CarePlus Supplemental dental insurance continues to provide savings from 20% to 30% depending on the services you require.

    • Covers annual deductibles (up to $60 per person).
    • Reduces co-payments on many procedures.
    • 10-day, risk-free Right to Cancel.
    • No annual maximums.
    • No waiting period.
    • No pre-existing clauses.
    • Orthodontics for all ages.
    • Cosmetic treatment (whitening, implants).
    • Procedures not covered by your fee for service (FFS) dental plan.


    This will provide coverage for a period of (12) twelve months from the effective date of the contract. Upon application approval by CarePlus, you will receive your dental insurance contract and membership card.

    CarePlus SUPPLEMENTAL Dental Insurance

    The chart below displays an example of how CarePlus Supplemental works with an existing dental plan to decrease out-of-pocket expenses for dental services.

    All plans are subject to the terms and conditions of the respective policies.
    * Does not duplicate medical coverage.
    ** Convenient payment plans available.

    Questions about the CarePlus SUPPLEMENTAL dental plan?

    Visit our Frequently Asked Questions page or visit our Savings Calculator to find the dental insurance plan that s right for you and discover the cost-savings for specific dental procedures.

    Call CarePlus Dental Plans at 800-318-7007 to learn how you can save on quality dental care!

    Download our CarePlus brochure

    What Are CarePlus Members Saying?

    Below is a review submitted by a CarePlus member on Google.

    BBB Rating: A+
    as of 06/01/2017
    Click for Review

    Call 800-318-7007 to save on Wisconsin dental insurance expenses with CarePlus

    Copyright 2017 – CarePlus Dental Plans, Inc. – Dental Associates – All Rights Reserved – Privacy Policy | Site Map

    Liability insurance – definition of liability insurance by The Free Dictionary #general


    liability insurance

    Total quantity or scope: Lot 1 first line of the SNCF Group liability insurance program.

    Oscar began his distinguished career in the field of executive liability insurance as an underwriter at the New York headquarters of American International Group (AIG).

    The subject of the public contract is the provision of property insurance, liability insurance. liability insurance for injury from the use of motor vehicles and accident insurance and supplementary motor vehicle Statutory city of Liberec.

    Because of their elite status, Elk Peak Performance Contractors will now have an opportunity to attain general liability insurance at a competitive price.

    The Physician Insurers Association of America (PIAA), a national trade association of doctor-owned and/or operated medical professional liability insurance companies, today announced that Eric R.

    Contract notice: Insurance contract insurance services for risk (property insurance, liability insurance. group life and accident insurance, individual liability insurance ) incurred by the Municipal Street Maintenance Company, on the operation.

    through its subsidiary companies, is a leading provider of medical professional liability insurance for physicians, dentists and other healthcare providers and a provider of insurance management services to other medical professional liability insurance carriers.

    With the steady rise in medical malpractice premiums and soaring jury settlements over the past several years, healthcare providers have expressed concern over the affordability of medical liability insurance .

    Option B – Operations and product liability insurance (the insurance sum 30 million LTL;

    The Physician Insurers Association of America (PIAA), a national trade association that represents doctor-owned and/or operated medical professional liability insurance companies, today reported that an analysis of data from a 48 company composite sample of medical malpractice specialty writers shows a return to profitability for only the second time in the last eight years.

    Listwan brings two decades of professional liability insurance experience to the Board as well as experience in a variety of medical leadership roles, including past president of the Wisconsin Medical Society.

    These include property insurance, liability insurance. liability insurance – non-pecuniary damage, professional liability insurance for damage to health facilities, travel insurance, liability insurance for damage caused by vehicles ( liability insurance ), motor vehicle insurance and additional car insurance .

    Escape RV Dealer #bwise #insurance


    #1 Tri-State Rated RV Dealer For Over 40 Years !

    Just purchased a 2015 Flagstaff RV. What a great experience, joe and Jim are amazing and made the experience top notch. Once we were turned over to the girls who handle the financing the experience was the same, top notch. I would highly recommend, if your in the market to buy from these guys. I will definitely go back in the future. Thanks. John

    John Swords of Franklin, NJ Purchased a 2015 Flagstaff from Escape RV

    Simply put- A friendly, courteous, and professional staff. Bought a 5 x 10 BWISE Utility trailer off the lot a month or so ago that is everything we wanted. We now have the need for second, bit larger trailer and Joe and his staff bent over backwards to make another deal work out with us. Cannot say enough good about our experiences with Escape RV. Thanks for all help so far. Looking forward to future business with you

    Mike Morsch Purchased a BWise Trailer

    A big thank you to the entire staff! From buying our trailer a few years ago to having it repaired from some damage that occured from weather the entire staff has been great.
    Thank you again for all you do.
    The Swistack Family

    Jim Swistack Facebook Review for Escape RV

    Great sales staff. Owner on premises, working. Very patient, no pressure sells, and awesome prices. Highly recommend. Didn t give 5 stars because I didn t buy yet, but will update to 5 stars I m sure!

    Mike, New Jersey

    These guys are really helpful, even if it is just an emergency repair to a horse trailer and hitch. In an emergency they were there. When a friend bought a trailer from them they were also very helpful with delivery and all

    Terry, New Jersey

    I bought an RV from another RV Dealer. It turned into a nightmare. I went to Escape RV for help. Even though I didn t purchase from them, they were friendly and very helpful. My next RV purchase will be from these people. A very nice place. THANKS GUYS!!

    John, New Jersey