Health Insurance – State Farm #hospice #home #care #services

#about health insurance

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Life Happens Fast Make Your Health Insurance Keep Up

As you experience changes in your life, your health coverage should adjust as well. Help protect the ones you love with coverages to support your individual needs.

State Farm Mutual Automobile Insurance Company offers various types of affordable family health insurance, so you can choose the plan that best suits your personal situation.

Pick the Plan That’s Right for You

Primary medical insurance coverage, designed for people who don’t have this type of coverage through their employer or another group.

Individual Medical Coverage

Individual medical insurance coverage, designed for people who don’t have this type of coverage through their employer or another group.

Medicare Supplement Insurance

Medicare Supplement Insurance is designed for senior citizens who participate in Medicare. It provides additional coverage to help with many of the expenses that Medicare does not pay.

Supplemental Health Insurance

Supplements primary health insurance coverage by providing you with a pre-determined fixed benefit amount for those extra, unbudgeted expenses that arise.

Disclosure:

This is a Marketing tool intended for use in the sale of insurance. Completion of an application for a State Farm insurance policy will require contact with a State Farm agent/insurance producer.

The information provides a brief, general description of the coverage provided by these policies. It is not a contract and certain exclusions and limitations apply. A complete statement of the coverage provided is found only in the policy itself. Policy coverages, exclusions and limitations may vary in some states.

Assurant Health is the brand name for products underwritten and issued by Time Insurance Company, Milwaukee, Wis. which is financially responsible for these products. No member of the State Farm family of companies is financially responsible for these products. Assurant, Assurant Health, and Time Insurance Company are not affiliates of State Farm.

You may be able to get extra help to pay for your prescription drug premiums and costs. To see if you qualify for getting extra help, call: 1-800-MEDICARE (800-633-4227). TTY or TDD users should call 877-486-2048, 24 hours a day/7 days a week; The Social Security Office at 800-772-1213 between 7 a.m. and 7 p.m. Monday through Friday. TTY or TDD users should call, 800-325-0778; or Your State Medical Assistance (Medicaid) Office.

Humana health products are underwritten and issued by Humana Insurance Company which is financially responsible for these products. No member of the State Farm family of companies is financially responsible for these products. Humana, Inc, Humana MarketPOINT Inc, and Humana Insurance Company are not affiliates of State Farm. Please call a State Farm agent for more detailed information.

State Farm agents will not offer Humana Medicare Part D in Massachusetts, New Jersey, or Rhode Island The Medicare Supplement policies are not connected with or endorsed by the U.S. Government or the Federal Medicare program.

If you need a copy of your Summary of Benefits and Coverage, please contact the Health Response Center at (866) 855-1212.

State Farm Mutual Automobile Insurance Company





Health insurance explained #clothing #online #shop

#about health insurance

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Health insurance explained

This website aims to answer your questions about private health insurance by explaining how it works, and who and what is covered. You can also compare policies from different Health Funds to help you to choose a private health insurance policy that is right for you.

There are many things to consider when looking into private health insurance:

  • Who is covered? You may just need to cover yourself if you are single; or if you have family living with you such as children (dependants) you may be able to purchase cover that provides for everyone.
  • What is covered? In Australia, the public health system Medicare covers most Australian residents for health care. However, Medicare does not cover everything and you can choose to take out private health insurance to give yourself a wider range of health care options and more comprehensive cover.
  • How does it work? There are two types of health insurance: hospital general treatment (ancillary or extras). You can buy them separately or most funds offer combined policies. There will be limitations on what and when you can claim with any policy you buy.
  • What government incentives and surcharges affect my insurance? The Private Health Insurance Rebate is a federal government subsidy for the cost of insurance, while the Lifetime Health Cover rules are designed to encourage people to purchase private health cover earlier and to stay covered. The Medicare Levy Surcharge is a tax that affects people earning above a certain threshold who don’t hold private hospital cover.
  • Overseas visitors and students If you are in Australia on a temporary student visa or if you are applying for a visa subclass 457, it is a visa condition that you take out private health cover. If you are visiting Australia on any other visa, you should consider taking out some cover for the duration of your stay.
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Health Insurance Compare – The UK s Leading Independent Health Insurance Specialist

#about health insurance

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Health Insurance Compare

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Over 9.5% of our customers can obtain cover at a cost of up to 9.92 per month. This is based on someone living outside of Central London, up to 30 years of age at commencement, and taking out an “Essentials” plan with a nil excess. The plan covers all eligible in and day-patient treatment. Diagnosis of ailments would need to be arranged by the NHS. Other exclusions apply and other plans are available. Analysis based on Usay customer data for April 2014 to April 2015.

*2 Months free is an introductory offer available to clients who switch to an Aviva PMI Policy and have not held such a policy with Aviva Health in the last 12 months.

All No Claims Discounts (NCD) shown are introductory offers available if you have never held a private health insurance policy before. NCD’s offered by insurers vary and other terms and conditions may apply.

Usay Compare, Health Insurance Compare are trading styles of Usay Business Limited who is authorised and regulated by the Financial Conduct Authority Ref Number: 478676. Usay Business Limited, Usay House, Lakeside Business Park, Broadway Lane, South Cerney, Gloucestershire GL7 5XL

Usay Business Ltd is registered in England. Registration number 06463920. Registered address office is Usay House, Lakeside Business Park, Broadway Lane, South Cerney, Gloucestershire GL7 5XL

2016 Usay Business Limited. All rights reserved.





Hospice Patients Alliance – Medicare, Medicaid and Private Insurance for Hospice #ardilaun

#private hospice

#

MEDICARE, MEDICAID AND PRIVATE INSURANCE

The major sources of payment for hospice care are Medicare, Medicaid and private insurance, although Medicare certainly provides for the larger segment of the hospice population. Which source of payment covers for your hospice services should have little effect on the type and quality of services you receive.

Any hospice which receives reimbursement from Medicare or Medicaid must be licensed and certified by the State agency which surveys and inspects health care agencies. If the hospice is part of a national or regional corporation, the location where the hospice actually provides services determines which State performs these inspections. Most private insurers require the hospices to meet the same requirements as do Medicare and Medicaid, and to provide the same set of services included in the standard “Hospice Benefit.”

There is an additional benefit to having a private insurance company cover your hospice services: you have an insurance company “case manager” who reviews the services needed by the patient and family, and the services being provided by the hospice. Unfortunately, in some instances, some hospices do not provide all the services you are entitled to! In these cases, you need to be assertive and speak with the RN case manager, the hospice’s director or the hospice Medical Director.

If you still experience any difficulty getting the hospice to provide adequate services, do not hesitate to call your insurance company’s “case manager.” They can “go to bat” for you to get you the services you need. If the hospice still refuses toprovide the services you need, consider switching hospices. Hospices will usually “back down” and provide what you need if you let them know that you will switch. Do not be fooled by “threats” that hospice services will be interrupted or that “it’s not possible” to switch at this time.” Nonsense. You always have the right to choose whichever physician you wish and change at any time; you always have the right to switch hospices to get the services you are entitled to! If you do switch physicians or hospices, the hospice must assure a smooth transition and continuity of services throughout the change.

Because the Federal and State governments wish to “get their money’s worth” for the funds they pay out to the hospices, it is important to report any hospices who do not provide the full set of services needed to meet the patient’s needs. Since Medicare and Medicaid pay a hospice on a “per-diem” or daily basis for all the services needed, the hospice is receiving payment on the assumption that it will actually provide those services. When a hospice does not provide services needed and which you are entitled to, that hospice may be involved in “health care fraud.” You can help stop the rampant exploitation of the Medicare and Medicaid systems by unscrupulous administrators. report these violations to the Office of the Inspector General. (See “Links to Report Fraud in Hospice” at Section 10 of this text) .

Permission is granted to share these articles with others, to print them, or post them on other websites so long as credit
is given to the author and Hospice Patients Alliance with a link to this original page.





Medicare, Medi-Cal, and Private Insurance – Skirball Hospice #pallative #care

#medicare hospice coverage

#

Medicare, Medi-Cal, and Private Insurance

Hospice care is a fully covered benefit under Medicare Part A and the Medi-Cal program in California. Most insurance companies also provide coverage for hospice care subject to individual policy deductibles, coinsurance, and out-of-pocket limitations.

When a patient is considering hospice care, the insurance coverage of the patient will be reviewed and discussed with family members to be sure they understand the financial benefits provided to the patient by their current insurance carrier. If there are any questions, they will be resolved prior to the start of care.

For an individual eligible and enrolled in Medicare or Medi-Cal, there is no out-of-pocket cost to select the hospice benefit. The hospice benefit includes full payment for all staff services, supplies, medical equipment, and medications, provided they are directly related to the hospice primary diagnosis.

To qualify for hospice care, two physicians, generally the patient’s attending physician and the hospice physician, evaluate the patient to determine if the individual has a life-limiting illness with a life expectancy of six months or less if the disease process follows a normal course.

Because it is impossible to know the progression of a disease with accuracy, patients may receive the hospice benefit for longer than six months provided they continue to meet the Medicare or insurance company eligibility criteria. After six months, patients are periodically assessed by hospice physicians for continued coverage.

When an individual elects the hospice benefit for a specific disease diagnosis, they are opting out of traditional Medicare coverage and opting into the special Medicare hospice benefit. By doing this, they agree to pursue comfort and palliative measures only and not seek aggressive or curative therapy for that disease. Should other diseases develop, unrelated to the hospice diagnosis, those may be treated and covered under the traditional Medicare program.

When all requirements are met, the following services will be covered by your health plan:

  • Physician services
  • Nursing care
  • Home health aide
  • Medical social services
  • Bereavement counseling
  • Spiritual counseling
  • Dietary counseling
  • Volunteer services
  • Physical therapy, occupational therapy, speech therapy
  • Medical equipment, services, and supplies
  • Medications for pain and comfort related to the terminal illness and approved by Skirball Hospice
  • Short-term inpatient care for pain and symptom control
  • Diagnostic studies
  • Short-term continuous care for focused symptom relief
  • Respite for up to 5 days to provide relief for caregivers

The following services are not covered:

  • Treatment for the terminal illness which is not for palliative symptom management and is not within the hospice plan of care
  • Care provided by another hospice or home health agency
  • Private caregivers/sitter services
  • Dietary supplements unless directly related to terminal illness
  • Services not authorized by Skirball Hospice
  • Ambulance transportation not included in the plan of care
  • Supplies not related to terminal illness
  • Chemotherapy drugs or other drugs deemed aggressive in nature
  • Medications not related to the terminal illness
  • Visit to the emergency department or inpatient hospitalization without prior authorization from Skirball Hospice
  • Diagnostic studies or any treatments not authorized by Skirball Hospice

6345 Balboa Boulevard, Suite 315, Encino, CA 91316. Copyright 2016 Los Angeles Jewish Home. All Rights Reserved.
License #980001583





Georgia Health Insurance Quotes #georgia #health #insurance #quote


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Georgia Health Insurance

Georgia residents have several choices when it comes to health insurance. The main objective is to determine which plan is best for you and your family. While comparing plans you will want to make sure your new policy will allow for regular checkups, prescription drugs, and catastrophic accidents.

There are several links on this page that can assist you in what you need to know about purchasing affordable health care insurance in Georgia and understanding the benefits of health care insurance. There are also links for Georgia s health care insurance laws, regulations, and public health insurance programs.

Understanding your Georgia health care insurance is the key to maximizing your health insurance benefits.

If you would like to get free quotes and compare Georgia health insurance plans now, start with our simple form below.

Get Georgia
Health Insurance Now!

Find your health insurance plan today.

The following list of companies offer Georgia health insurance plans:

Aetna is one of the largest health insurance providers in America with more than 30 million members. Their network includes over 787,000 health care professionals.

Aetna covers more than 30 million members and is one of the largest health insurance companies in the country. Policyholders have access to over 787,000 doctors, hospitals and other health care providers.

Assurant Health, headquartered in Milwaukee, has been offering quality insurance products and coverage to over 1 million members since 1982. Assurant is committed to providing health insurance plans that have broad coverage while providing valuable protection.

BCBS of Georgia promises the highest-quality health insurance products. They back it up with the highest possible ratings issued by the National Committee for Quality Assurance for their HMO, PPO, and Medicare plans.

Celtic concentrates on individual health insurance, offering a wide variety of plans for both individuals and families.

CIGNA is one of the oldest insurance companies in America, providing health insurance and other coverage solutions to millions of consumers around the country.

Consumers Life is part of Medical Mutual of Ohio, who has over 1.5 million members nationwide. Their diverse portfolio of health plans includes coverage for individuals, families, and businesses.

CoventryOne Florida offers affordable health insurance solutions and a wide range of convenient health care provider networks to receive quality care.

Through affordable health insurance options, Humana helps their members better manage their healthcare and make informed health decisions.

John Alden Life Insurance has been selling health coverage throughout America since 1961. Today, they are part of Assurant. John Alden plans include individual health and small group coverage. They also sell Health Savings Account plans.

Kaiser Permanente is the nation s largest non-profit health insurance provider with 8.2 million members across 9 states in the U.S.


Pegram Insurance Agency – Your Charlotte NC Insurance Company – Pegram Insurance


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Pegram Insurance Agency – Your Charlotte NC Insurance Company

Pegram Insurance Agency has been saving money for their customers in and around Charlotte, NC for almost 30 years. Pegram Insurance Agency is an independent agency that represents over 25 different insurance companies allowing us to shop for your best insurance rates. We write all kinds of insurance including auto, home, business, motorcycle, and boat insurance. We are based in Charlotte, NC but we quote and issue insurance policies all over North Carolina andSouth Carolina. We offer free quotes and an insurance consultation for everyone. Just give us a call at (704) 494-9495 or toll-free at 866-327-9050.

The exceptional service and claims of our A-Rated carriers will meet or exceed your needs here at Pegram Insurance. You don’t have to sacrifice quality for price or price for quality. We will provide you with a free online quote so you can start saving today. Pegram Insurance Agency will be your favorite place for car insurance, homeowners insurance, and cycle insurance in Charlotte, NC and beyond. We offer the best rates around for drivers with points including tickets, accidents, and DUI DWI. Safe driver? We offer the best discounts for you as well.

Compare 20 Companies with 1 Phone Call

North and South Carolina Areas Served

  • Charlotte, NC
  • Mooresville, NC
  • Concord, NC
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  • Matthews, NC
  • Mint Hill, NC
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  • Rock Hill, SC
  • Tega Cay, SC
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Gold Service Insurance #auto #and #homeowners #insurance #quotes


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Insurance is a very difficult thing to understand if you do not have the right information. The agents at Gold Service insurance are ready to assist you in finding the right coverage to keep you both protected and legal in the state of Tennessee.

Auto insurance is required in every state to protect both you and the other drivers on the road. Basic liability insurance is needed to insure that your insurance can help to cover the basic medical bills of the other person in the event of an accident. Most liability policies offer $10,000 in coverage as this is the federal requirement but you can buy policies that offer more coverage. You can also buy full coverage policies that cover far more medical bills and that assist with things like rental vehicles, new vehicles and more.

Home insurance is another requirement in the state of Tennessee and across the United States. Home insurance helps to cover the cost of replacing your home or repairing it in the event that it becomes damaged or destroyed by a natural disaster, fire, theft, and more. Each policy is different and knowing what your policy covers before purchase can help you determine what policy is going to be right for you.

There are plenty of different insurance policy types and finding an agent that can help you to determine what policy you need and what type of insurance you need to be both legal and safe is essential. From life insurance policies, to commercial policies, boat policies, recreational vehicle policies and more, having an agency on your side that is both knowledgeable and ready to help explain your policy and what coverage you need to be both safe and legal.

Knowing what policies are perfect for you is the goal of the dedicated agents at Gold Service Insurance. Contact agents today to see just what policy can aid and help keep you covered.

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Asda Money – Insurance & Finance Products #u #save #insurance


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Get your Asda Money quote today

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Zafira not starting, ignition goes on, but no clicks from starter FIXED


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Zafira not starting, ignition goes on, but no clicks from starter FIXED 14th Jul 12 at 5:23 PM

Wife’s Zafira is not starting again.
The last 2 times this happened it was the starter, replaced and all was OK.

The difference between the last 2 times and this time is that the solenoid on the starter is not clicking (still clicking before)
And when I took the starter off it was still free. (was jammed before)

Also checked the old starter at the 2 live connections while off the car.
1) starter starts to spin OK
2) the solenoid clicks OK

Tried a new starter anyway but same symptoms.

The other symptoms is that the central locking is sluggish, and feels like the battery is quite low – however same symptoms as when the starter did go previously.
When trying to start all the dashboard lights go out. (or is that normal)

I have checked the earth wire from the starter to the battery earth and no resistance – so OK here
The battery was tested with Gunson’s Start check battery tester and was 75-100% so seems OK here too.
Battery has been smart charged anyway just in case.

It would appear that the solenoid is not getting power to get the starter spinning.

Any mechanics here that know what to check now, or what the likely cause is ?

Last edited by JesseJames; 17-07-2012 at 8:19 PM. Reason: set title to FIXED

Glad you like it!

If your dash lights are going out and theres barely enough juice to activate the central locking, while I’d check all major connections, I’d bet the battery is just about to give up the ghost.
Modern batteries appear to be all or nothing and can go off very suddenly.
Check the voltage across the battery terminals and if its less than 10.5 – 11 volts, it’s very tired. Get it started with a jump, check across the terminals again and make sure it’s at least 13v with the engine running, ideally around 14-14.5 volts to make sure the alternator is fine. Anything higher is just as much a problem too!

Glad you like it!

Users saying Thanks (1)

It ended up being the battery – a shorted cell.

What threw me was that it initially was showing OK.
After charging it was not showing OK and 10.6 volts
I checked it an hour later to confirm readings and checked out OK with around 12.5 volts – so intermittent readings.

So wasted my time and effort changing the starter motor twice, and that’s not easy to do on a Zafira.

Glad you like it!

Sorry!

There are currently no thanks for this post.

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This thread is closed, therefore you are unable to respond.

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    Housing Protection #alliance #renters #insurance, #property #insurance #products # # #services #by


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    Where you live, whether you own or rent, is your home. It s where life happens, where you make memories. Assurant helps you protect your home, and all the precious belongings in it. So you and your family can sleep well at night, no matter what you call home.

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    Flood Insurance

    Flooding can occur after just a few inches of rain, and the average residential flood claim costs more than $38,000. You can protect your home with federal flood insurance from Assurant. With agents in all 50 states, we administer flood policies on behalf of the federal government and underwrite policies based on FEMA/NFIP regulations.

    If you ever need to file a claim, our agents have the experience to guide you through the process as simply as possible. In your most challenging time, we re there to make sure you re both protected and supported.

    Manufactured Housing

    Mobile homes can be more vulnerable to damage than other housing. Assurant s manufactured housing insurance is a comprehensive physical damage and liability program. It s designed to protect your manufactured home and its contents. The policy covers direct, sudden or accidental loss or damage.

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    Lender-Placed Insurance

    Lender-placed insurance is a safety net for homeowners and mortgage lenders.

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    As the nation s leader in lender-placed insurance, Assurant understands how important it is to safeguard your home at all times.

    Disaster Mortgage Insurance

    When a disaster strikes, the last thing you want to worry about is how you re going to make your mortgage payment. An unforeseeable event such as a flood, fire, hurricane, windstorm or job loss can happen. First Protector mortgage insurance coverage through Assurant can help you plan ahead.

    With coverage offered in most states, First Protector is a supplemental homeowner s insurance program that provides coverage that s typically not included in a traditional homeowner s policy. We ll be there to help protect your financial well-being and further safeguard your home.


    Byrd insurance #byrd #insurance


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    Eric B Byrd Insurance Agency

    Eric B. Byrd Insurance Agency was established in 2007 in Laurinburg, North Carolina. The full-service ERIE agency offers auto, home, life and commercial insurance. Erie Insurance sells auto, home, life and business insurance through our network of independent agents in 12 states and the District of Columbia.

    Highly Trained Professionals

    Principal agent Eric Byrd has more than 17 years of insurance experience. He earned his Bachelor of Science in Business Education from East Carolina University.

    “We provide insurance products and services tailored to meet the specific and ever-changing financial risk our clients are exposed to,” says Eric.

    The fully-licensed, professional staff always has its customers’ best interests in mind. Eric and his staff are very involved in their community and in organizations such as:

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    • United Way (former board member)
    • Laurinburg Jaycees (past president)
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    In the Heart of Scotland County

    Eric B. Byrd Insurance Agency is located in Laurinburg, North Carolina, on South Main Street, in front of Saint Mary’s Catholic Church.

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    Compare Business Insurance Quotes – MoneySuperMarket, business liability insurance cost.#Business #liability #insurance


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    By using the business insurance comparison tool of our partner Simply Business, you can find a cheaper policy quickly and easily.

    To compare prices, all you need to do is answer a series of simple questions about your business and the sector it is based in and we’ll provide you with a list of business insurance quotes tailored to your search.

    We’ll help you to compare more than just the price of your business insurance cover, with a variety of options, policy types and services to choose from, enabling you to build the best fit policy for your business.

    To search for a new policy and find the best online business insurance quote for your company, simply click the link below to start using our free comparison tool.

    We want to show you quotes from as many business insurers as posisble, so you can find the right policy for you and your business. We can’t promise to have quotes from every single insurer, because some companies don’t want to be included on comparison websites. You can find out more about how we work here.

    Insuring your business

    Finding the right insurance cover for your business is essential as it provides protection against unforeseen costs, such as compensation and legal fees. The field of business you are in will determine the type of business insurance you might need. Options include public liability insurance and property insurance, amongst others.

    Get the right insurance for your business with MoneySuperMarket

    Finding the right insurance at the right price can be tricky. No two businesses are the same, and neither are their insurance needs.

    With the help of MoneySuperMarket, you can choose a policy that matches your business requirements, so you only pay for the cover you need.

    From self-employed tradesmen to fast-growing tech firms, you can compare business insurance quotes from a range of leading insurers. Thanks to our easy-to-use quote form, you can buy online in minutes, feeling safe in the knowledge that you’re covered for the risks, liabilities and incidents that are part of everyday business life.

    Important Information

    Please read the following information about our service and print copies for your own records.

    Business liability insurance costAbout our service


    Top Life Insurance Companies: Rates, Rankings and more Information #rank #life #insurance


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    Best life insurance companies

    Get Life Insurance Quotes

    1. Health Status. Preferred Plus and Standard Health
    2. Sex. Male and female
    3. Smoking. Non-smoker and smoker
    4. Age. 25, 35, 45 and 55 years old
    5. Duration. 10- and 20-year term

    Once collected, the lowest life insurance rates in each risk category are assigned a score; the scores for each company are then totaled to produce the overall rankings.

    Financial strength is an important consideration when buying term life insurance; therefore, only companies rated A- or better by A.M. Best Company. a credit rating organization, are included in the list.

    Premium life insurance companies

    If you need life insurance with a higher face value, such as a policy of $1 million or more, Budget Life also ranks the top premium life insurance companies with only the highest rating from A.M. Best.

    Life insurance companies for smokers and nonsmokers

    Among a number of factors, life insurance quotes are determined in part by your risk classification. In general, the three main underwriting classifications are preferred plus, preferred, standard and nonstandard the better your rate class the lower your premiums will be. Risk is further measured by nicotine use and gender.

    Budget Life provides a list of the life insurance companies with the most competitive rates for smokers and nonsmokers.

    Life insurance companies for those with health conditions

    For those who have health conditions, or who may have overcome a serious illness, it may seem as though life insurance is out of reach. However, some insurance agents offer services to help individuals with high-risk cases find life insurance coverage.

    Often called impaired risk specialists, these agents connect individuals to the right life insurance company. You may benefit from working with an impaired risk specialist if you have a health condition or a health history that includes:

    Impaired risk specialists can also help find life insurance for those with hazardous occupations or hobbies.

    COMPULIFE is a registered mark of Compulife Software, Inc. Nicholasville, KY

    Get Life Insurance Quotes

    Offers from Top Insurance Companies

    This widget requires JavaScript to run. Visit Site for more.

    See another State:

    Copyright 2017 Budgetlife.com. All rights reserved


    Cheap Insurance Maryland #cheapest #auto #insurance #in #md


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    Cheap Insurance Maryland

    Driving in Maryland: Statewide Stats

    The state of Maryland’s mandated car insurance requirement allows motorists to save money by enrolling in defensive driving courses and purchasing vehicles unattractive to thieves. That is one of the many discounts available in the state. Drivers are encouraged to ask about others, and explore the numerous options for cheap insurance Maryland agents can offer.

    The most effective way of keeping your rates low is to let companies fight for your business! We recommend getting comparison quotes twice a year, or more. It is easy to do online, but you can always call and speak to a license professional who has access to many of Maryland s insurance companies.

    Insurance Facts

    The average 12-month car insurance premium in Maryland was $1360 in December of 2013. Pretty expensive, if you ask us! In fact, only 5 states have higher average premiums!

    These rates are due in part to the 15% of drivers who are uninsured. That and the fact that Maryland has a 5-year average of over 103,000 car crashes per year.

    State Car Insurance Requirements

    • Maryland mandatory minimum bodily injury coverage per individual is $30,000.
    • Maryland mandatory minimum bodily injury coverage per accident is $60,000.
    • Maryland mandatory minimum property damage liability coverage is $15,000.
    • If your vehicle has been turned down by two insurance companies, or cancelled by one, Maryland offers the MAIF auto insurance fund. More information can be found here .
    • There are almost 4 million registered vehicles on the road in MD, and 4.1 million drivers.

    Did you know?

    • When first constructed in 1813, Maryland’s Casselman River Bridge was the largest in the world.
    • MD is one of the smallest, but most densely populated states.
    • It s also the wealthiest state in the nation (highest median household income).
    • Major economic industries are transportation, the Federal Government, food-production (especially commercial fishing), and medical research.
    • Some of the silliest laws we came across were: It s illegal to take a lion to the movies in Baltimore and, in Rockville, you can t swear while on the highway (although we re not sure how you would get caught doing this one)!

    Helpful Resources

    DMV website

    Maryland’s Department of Transportation’s Motor Vehicle Administration Office handles most vehicle-related issues; their website may be found here. A full listing of offices by county, with maps, is available here .

    Registration Information

    Maryland vehicle registrations are handled by the Motor Vehicle Administration office and require passage of a Maryland Safety Inspection. A full listing of offices by county, with maps, is available here .

    New vehicles must be registered within 60 days, and new residents must register their vehicles within 60 days of becoming a resident.

    DUI Information

    Drivers convicted of a DUI in Maryland will face the following penalties:

    • up to 1 year in jail
    • up to $1,000 in fines
    • minimum 6 months license suspension

    As of 2011, MD requires all offenders to have an ignition interlock device installed if your BAC was .15 or greater. Legislation is being pushed by MADD that would require the device for all convicted offenders, as there were 160 drunk driving fatalities in 2012 (representing 32% of all traffic deaths).

    The Bottom Line

    Although Maryland s population is the wealthiest in the nation, that doesn t mean you have to pay higher auto insurance rates! Give us a call if you re shopping. A licensed agent can walk you through the process, compare your options, and make sure you are paying the lowest available rates.

    Or, if you want to speak to a local agent, head to one of our city pages below!

    We Have Your Town Covered!

    Average Annual Premiums in Maryland = $1,372 | via Insure.com

    Have questions about auto insurance in your state? Want a quote for car insurance? Start with your zipcode for a fast, free quote.

    OR speak to an agent:


    Car Insurance for a New Vehicle #new #car, #car #insurance, #switch, #transfer


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    Car Insurance for a New Vehicle

    You have many considerations to make when buying a new car. Insurance is just one of them.

    Whether you switch to a new auto insurance provider or transfer your existing insurance to your new car, ensuring that you have the right car insurance is an essential part of the process of purchasing a new vehicle.

    Getting a Quote Before You Buy

    The type of vehicle you drive has an effect on your car insurance rates, so getting a quote for the type(s) of cars you are considering can be a wise choice.

    First, if you’re choosing between multiple vehicle types. getting quotes can help you make your decision (e.g. if one type will be much costlier to insure, you may choose the other).

    Second, whenever you’re buying a new car, you need to reevaluate your coverage.

    • Your current provider mayno longer be the most affordable provider for car insurance coverage you’ll need for your new vehicle.
    • Also, other providers may have additional products and offerings that better suit your new needs.

    Finally, it’s smart to periodically check for car insurance quotes. You may be paying more than you need to if you’ve stayed with the same company for years without looking around at prices and discounts offered in the market.

    Before you buy your new car, get at least 3-4 car insurance quotes for the type of vehicle you’re looking to buy so you’ll know what to expect.

    What You’ll Need to Drive Your Car Off the Lot

    Driving without car insurance coverage is illegal, so you’ll need to make sure you are covered before you drive your new car off the lot.

    If you already have car insurance, you may need to adjust your coverage for your new vehicle. For example, you might be required to add comprehensive or collision coverage if you are taking out a loan on the car.

    However, even if you need to adjust your insurance for your new car, your current policy may cover you for a short period of time after the purchase of a new vehicle.

    Check your declarations page to be sure.

    If you’re unsure whether you’ll be covered, provide the vehicle information to your car insurance company before you complete the purchase. Your agent should be able to let you know what you’ll need.

    If you’ll be changing companies. make sure to find out exactly how long your current car insurance will extend, and make sure you have an exact start date for your new policy and end date for your old policy. For more information, please see our page on switching car insurance companies.

    Notifying Your Insurance Company

    If you are going to transfer your current car insurance from your old vehicle to your new one, or are planning to switch to a new provider altogether, it’s your responsibility to alert your insurance company.

    Do not assume you are covered if you do not make a call.

    It is a good idea to call your car insurance company before you buy your new car. if possible. This will ensure you know exactly how you’ll need to move forward with your insurance before you even drive your car off the lot.

    The Benefits of Gap Coverage

    Once you drive a car off the lot, the actual cash value depreciates significantly. If you’re going to have a loan or lease on your new ride, you can protect yourself financially by opting for gap coverage.

    Gap coverage takes into account the dangers of depreciation and covers the difference between your loan amount and the car’s actual cash value if it was totaled in a crash.

    This ensures you are not left with a large car loan bill and no car, if your vehicle is totaled in a serious accident.

    If your current company does not offer gap coverage, you may wish to look around at other options in the market to make sure you have financial protection.

    To learn more about this type of car insurance coverage, visit our Gap Coverage page.

    Car Insurance Premiums

    When you transfer car insurance to a new car from your existing car, don’t be surprised if your insurance premiums change.

    • They may increase if the vehicle is more costly to repair or represents a greater risk to the insurance company.
      • Examples include sports cars and luxury vehicles.
    • They may decrease if the vehicle is cheaper to repair or presents a lower risk.
      • Examples include affordable cars and those with many safety features.

    If you are looking to save money on insurance, hybrid vehicles may be a good choice. Several insurance providers are now offering lowered rates on hybrid vehicles in an attempt to encourage more people to “go green.”

    Whichever vehicle you’re considering, getting multiple car insurance quotes will give you a good idea of the rate ranges you can expect.

    Multivehicle Discounts

    If you plan on keeping your current vehicle, adding a new car to your current policy may be a way to help you save money.

    Most car insurance companies offer multivehicle discounts. which lower the cost of additional vehicles added to the policy. Talk to your current auto insurance agent about the availability of this discount type.

    Remember, auto insurance is a crucial part of the puzzle when purchasing a new car. It is essential to do your due diligence to avoid any unwanted surprises – such as higher premiums – later.


    Carroll Carpentry Services, LLC #carpentry #insurance


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    Carroll Carpentry Services, LLC

    Carroll Carpentry Services, LLC

    From The Bottom to the Top, We Are Your One & Only Stop!

    My name is Adam Carroll, and my company is Carroll Carpentry Services LLC. Do not let the name fool you, while carpentry is my base, we offer the full line of services to cover all of your residential construction and repair needs. We are a small company based on Christian principles, and a focus on providing all of our customers with the best customer service in the business. I have been in the residential construction business the majority of my adult life, and have well over 15 years of experience. No matter what your needs, we can find the solution. I offer free estimates, and reasonable prices. So give us a call, let us show you, that from the Bottom to the Top, We Are Your One & Only Stop!

    Achievements

    Top Rated Professional

    Homeowners have given this pro an overall top rating and would highly recommend them to others.

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  • Elite Service Professional

    Homeowners have rated this pro highly for superior customer service.

    ” />


  • Seal of Approval

    This pro has passed the HomeAdvisor screening process.

    ” />


  • One Year With HomeAdvisor

    This pro has been an active member of the HomeAdvisor network for 1 Year.

    Additions & Remodeling
    • Bathroom Remodel
    • Major Renovation – Multiple Rooms
    • Garage Remodel
    • Basement Remodel
    • Kitchen Remodel
    Cabinets
    • Pre-Made Cabinets – Install
    • Cabinets – Refinish
    • Cabinet Install
    • Cabinet Repair
    • Built-In Furniture
    Carpenters
    • Gazebo Repair
    • Exterior Shutters Repair
    • Custom Arbor, Pergola or Trellis
    • Carpentry Framing Install
    • Wood Stairs Railings Repair
    • Interior Trim Moldings Repair
    • Carpentry Framing Repair
    • Exterior Shutters Install
    • Build Closet
    • Interior Trim Moldings Install
    • Wood Stairs Railings Install
    Decks
    • Clean Seal Deck, Fence, Patio or Porch
    • Deck or Porch Build or Replace
    • Deck or Porch Repair
    Disability Services
    • Disability Retrofit
    • Disability Remodel
    • Disability Ramp Repair
    • Disability Ramp Build
    Doors
    • Storm Door Repair
    • Sliding Door Install
    • Sliding Door or Tracks Repair
    • Interior Door Install
    • Door Hardware Repair
    • Exterior Doors Install
    • Door Repair
    • Storm Door Install
    Fans
    • Attic Fan Install
    • Bath Exhaust Fan Install
    • Ceiling Fan Install
    Fences
    • Vinyl or PVC Fence Install
    • Wood Fence Install
    • Wood Fence Repair
    • Vinyl or PVC Fence Repair
    Garage & Garage Doors
    • Build Wood Carport
    Gutters
    • Seamless Metal Gutter Install
    • Gutter Covers Accessories Install
    • PVC Gutter Install
    Handyman Services
    • Handyman for Multiple Small Projects
    Organizers
    • Garage Organizers Install
    • Room or Closet Organizer Install
    Power Washing
    • Powerwash Exterior Surface
    Sheds & Enclosures
    • Sunroom or Patio Enclosure Repair
    • Shed, Barn or Playhouse Build
    • Shed, Barn or Playhouse Repair
    • Gazebo Install
    Siding
    • Exterior Trim Repair
    • Vinyl Siding Repair
    • Wood / Fiber-Cement Siding Repair
    • Exterior Trim Install
    Window Coverings
    Windows
    • Door or Window Screen Work

    Areas of Expertise

    • Interior and Exterior Trim
    • Kitchen and Bath Remodeling
    • Custom Cabinet/ Built-In Furniture Installation

    Product Brands Used

    • Allied Trade Group
    • American Standard
    • Cuisinart
    • Delta – Cosella-D�rken Products, Inc.
    • Gerber Plumbing Fixtures Corporation
    • Insinkerator
    • Jacuzzi
    • Kohler
    • Toto
    • Dal-Tile
    • Acorn Manufacturing
    • Allied Custom Gypsum
    • American Woodmark
    • Crystal Cabinet Works, Inc.
    • Dal-Tile
    • DuPont Building Innovations
    • Formica
    • Kraftmaid
    • Mills Pride
    • Triangle Pacific
    • Wellborn Cabinet, Inc.
    • Yorketown, Inc.
    • AridDek
    • CertainTeed Corporation
    • GAF
    • Tamko Building Products
    • Timber Tech
    • Trex
    • See All

    Quick Facts

    Business Hours

    (Please call to confirm)

    Credentials

    Screening

    HomeAdvisor allows Service Professionals to post information about themselves and their business on their profile. HomeAdvisor does not review or verify the information or representations set forth in those profiles, as they are self-reported by the Service Professional.

    *HomeAdvisor verifies state-level licensing where applicable – note: some states require local or county level licensing and you should verify whether or not your pro is properly licensed.

    Business Overview

    Community Involvement

    Work with Rebuilding Together Baltimore.

    How We Got Started

    I chose to work in this industry because during my Junior and senior years in high school, our Shop teacher offered a summer apprentice program helping out with his remodeling company. I discovered that I had a knack, and a love for working with my hands and I honestly can t envision doing anything else.

    We started in this industry in 1999.

    We describe our business as Up and coming

    What is the screening process that Service Professionals go through in order to become members of the HomeAdvisor network?

    1. Verify Trade License
      HomeAdvisor checks to see if the business carries the appropriate state-level license.
    2. Verify Insurance
      As a part of our screening process, we encourage professionals to carry general liability insurance. We require coverage for hundreds of services.
    3. Verification of State Business Filings
      For business types that require a Secretary of State filing, we confirm that the business is in good standing in the state in which it is located.
    4. Criminal Records Search
      HomeAdvisor uses 3rd party data sources to conduct a criminal search for any relevant criminal activity associated with the owner/principal of the business.
    5. Sex Offender Search
      We confirm that the owner/principal is not listed on the official state Sex Offender web site in the state in which the owner/principal of the company is located.
    6. Bankruptcy Search
      We use 3rd party data sources to check the history of the principal/owner of the business for bankruptcy filings by or against them.
    7. Legal Search for Civil Judgments
      We use 3rd party data sources to check the principal/owner of the business for state level civil legal judgments entered against them.
    8. Liens Search
      We use 3rd party data sources to check the principal/owner of the business for liens placed against them.
    9. Identity Verification (SSN)
      HomeAdvisor verifies the social security number(s) of the owner/principal for identity check purposes. This check applies primarily to smaller business entities.
    10. Identity Verification (Reverse Phone Lookup)
      We conduct a reverse business phone lookup to identify records matching the phone number information provided by the business.

    NOTE: Member service professional information confirmed as described above may change or expire over time; while HomeAdvisor attempts to maintain accurate and up-to-date information, and confirms changes when notified, we cannot guarantee that profile and screening information is accurate. Therefore, we recommend that before working with a service professional you verify that information presented is still current and/or acceptable to you.

    Please see HomeAdvisor’s Terms and Conditions for a full description of how we screen Service Professionals

    **Only for U.S. service professionals


  • Safe Driving Tips for Teenage Drivers #teen #drivers, #teen #driver #safety, #car


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    Safe Driving Tips For Teenage Drivers

    It’s a fact: teenage drivers account for more auto accidents than any other age group.

    However, by practicing safe driving techniques―such as driving defensively―you’ll increase the odds you’ll keep yourself (and your passengers) safe on the road and you’ll increase your changes of getting more affordable car insurance as you build a good driving record.

    Safety Tips for Teen Drivers

    Whether you’re just getting ready to hit the road or have been driving for months―or even years―take some time to review these 8 safe driving tips.

    1) Keep Your Cell Phone Off

    Multiple studies indicate using a cell phone while driving is the equivalent of driving drunk ―that’s even when using a hands-free phone.

    NOTE . Your state may prohibit the use of cell phones while driving. An increasing amount of states are creating laws regarding cell phone use and texting. Often, younger drivers face stricter laws.

    2) Don’t Text

    Research shows texting―on average―causes a loss of focus on the road for 4.6 seconds. You can drive the length of a full football field in that time. A lot can go wrong while you drive the length of a football field without your eyes on the road.

    Don’t try the “texting-while-stopped” approach, either, as many states ban texting while behind the wheel. And, when you have your head down, you won’t notice key developments that may occur. Remember, you still need to pay attention to the road when you’re stopped.

    3) Turn on Your Headlights

    Using your headlights increases your visibility and help other drivers see you, even when you feel like it’s light out.

    In the early morning and early evening (dusk), you need to use your lights or other drivers might not see you, which can be disastrous.

    4) Obey the Speed Limit

    Speeding is a major contributor to fatal teen accidents. That’s especially true when driving on roads with lots of traffic or with which you’re not familiar.

    Don’t feel pressured to keep up with traffic if it seems like everyone else is flying by you. Driving a safe speed helps ensure your well-being, and keeps you away from costly traffic tickets that can cause a sharp hike in your auto insurance premiums.

    5) Minimize Distractions

    It may be tempting to eat, drink, flip around the radio dial, or play music loudly while you’re cruising around town; however, all can cause your mind or vision to wander, even for a few seconds.

    As an inexperienced driver, you are more apt to lose control of your car. Distractions can significantly increase the chances that you 1) not notice impending danger or notice it too late and 2) lose the ability to control the vehicle.

    6) Drive Solo

    Having a single teen passenger in your car can double the risk of causing a car accident. Adding additional teen passengers causes the risk to escalate.

    7) Practice Defensive Driving

    Always be aware of the traffic ahead, behind, and next to you, and have possible escape routes in mind. Stay at least one car length behind the car in front of you in slower speeds, and maintain a larger buffer zone with faster speeds.

    Some car insurance companies will even give you a discount if you take an approved defensive driving course to improve your driving skills.

    8) Choose a Safe Car

    If possible, drive a safe car with the latest safety equipment (such as anti-lock brakes, electronic stability control, and air bags), and one with an excellent crash safety record.

    Final Word: Teens Becoming Safe Drivers

    There’s no substitute for driving experience and the wisdom that age brings, but by applying the above tips you’ll enhance the odds you won’t become a teenage driver accident statistic. Also, when you have a good driving record free of accidents, it’s easier to find cheap car insurance in the future.

    DMV.org Insurance Finder

    Join 1,972,984 Americans who searched DMV.org for car insurance rates:


    Understanding Auto Liability Limits – TASK Insurance Agency #auto #liability #insurance #quote


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    Understanding Auto Liability Limits

    Looking over your policy or shopping for auto insurance, you will see auto policy limits listed in many different ways. One common way is 100/300/100 or BI 100/300 PD 100. If you are unsure what those numbers mean and would like a little information, this article is for you.

    Auto Liability Limits

    The liability limits on your auto policy covers bodily injury that you are/would be legally liable for in a court of law. An example of this would be running a red stop light and colliding with another vehicle. In this situation you would generally be found legally liable due to not following the rules of the road (aka you should have stopped at the red light). To make things simple we will all agree that you are at fault and a court has ruled so. In this instance you are now responsible for the other parties injuries (the other car you collided with).

    Understanding limits of liability

    We now will take a look at bodily injury liability limits. As indicated above you currently have 100/300 BI. These limits are $100,000 per person up to $300,00 per accident. Let s say the other party suffered injuries of $100,000. In this instance your insurance policy covers you up to $100,000 per person so your policy would cover all expenses. If we take the same scenario and assume you had a policy of 25/50 then we now know that this would be $25,000 per person up to $50,000 per accident. If the other party suffered the same medical bills of $100,000 then your insurance policy would exhaust it s limit of $25,000 and you would be responsible for the other $75,000.

    The last number in 100/300/100 or 100 PD is your property damage limit. This is the amount your insurance company will pay for property damage in the above accident due to your negligence. The property damage limit works similarly to your bodily injury limit but it would handle the property side of things.

    Conclusion

    In the above scenario we assumed only one person was injured. Let s add two other passengers to the vehicle for a total of 3 people. Let s also assume each person had the same $100,000 medical bills. If we look at our 100/300 limits we can see that your policy will cover all of the medical bills for a total of $300,000. If we go back to the 25/50 limits we can see that this policy will cover each injured person up to $25,000 for a total of $50,000 per accident. Your policy would pay a total of $50,000 ($25,000 x 2) and this would leave a balance of $250,000 to be paid by you.

    As you can see from the above examples, it is important to pick the correct liability limits for your situation.

    The above example attempts to explain the basics of an auto insurance policy. This example does not represent all situations and does not account for any policy provisions that may prohibit payment in this situation. Please consult your policy for full details. Your policy is the deciding factor on all coverages.


    Do I need to get auto insurance before I buy a new


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    Do I need to get auto insurance before I buy a new car?

    You don’t need automobile insurance before you buy a new car, but you will need it before you can drive the car home from the dealer’s lot.

    If you know ahead of time the exact car you’re going to buy, you can call your insurance agent with the information. After asking you several questions and getting all the necessary information, the agent will add the new car to your existing insurance policy.

    If you’re at the automobile dealership and want to buy a car and immediately drive it home, call your agent from the dealership. Give the agent all the necessary information over the telephone, and the agent will issue an insurance binder that is effective immediately. This binder will serve as your insurance policy for the new car until your agent can add the new car to your existing policy.

    If you do not have an insurance agent, the car dealer may be able to refer you to one. Chances are, though, that the agent will not insure you over the telephone. Most agents require that you visit them in person to fill out an application and put down a deposit. The best thing to do is to establish a relationship with an insurance agent before you buy a car. This is to your advantage, as the agent will have time to research the best markets for you.

    Never drive a car without insurance. If you were in an accident and had no insurance, you could quickly be in severe financial and legal trouble. If you cannot get your new car insured right away, leave the car at the dealership. Get the insurance as soon as you can and then go pick up your car.


    Texas Insurance Quotes: Texas – #1 Insurance Website #texas #auto #insurance #quotes


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    Texas #1 trusted insurance site

    If you haven’t yet begun to shop for homeowners insurance in the state of Texas, there is a good chance you’ll go through sticker shock. Yes, Texas is one of the states with the highest rates for homeowners insurance. However, using these tips and a little ingenuity, you certainly could get cheap homeowners insurance in Texas.

    January 28, 2016

    Homeowners around the country are seeking the best insurance with the most value, the most reliable coverage, the lowest deductible and the cheapest price. Fortunately in large cities such as Houston, homeowners insurance policies have many palatable options. In Houston, Homeowners insurance policies should cover a few main areas such as weather damage, theft and deterioration of the home. There are a few companies at the top of the list that every homeowner should consider. In addition, there are a few special features to think about.

    Liberty Mutual is one of the largest companies providing homeowners insurance policies in Houston. Deductibles are fairly low and the variety of home insurance options is very large. However, the company is outside of Houston and does not appeal the same way as more local insurers do. On the other hand, the firm has decades of experience in Texas so it should be perfectly capable of providing all insurance services required. The company also provides auto and life insurance to diversify its portfolio.

    Chart of Insurance Rates by Companies Serving Houston, Tx Coverage: $150,000

    The Data Shown Below fits the following Criteria

    September 28, 2015

    It sometimes surprises Texas residents that their state s auto insurance requirements are not the same as in every other state. In fact each state is allowed to come up with its own individual rules and laws on auto insurance for their inhabitants. Texas has many particular requirements and penalties that all drivers in the state should be familiar with so that they do not run afoul of the law man.

    Texas like most states maintains requirements for how you are capable of paying for any and all injuries and damages if you are in a car accident for which you are at fault. The way that Texas expects for most people to fulfill this legal requirement is through purchasing liability auto insurance. Assuming that you decide to meet the law s auto insurance requirements through the liability insurance route, there are certain minimum limit amounts that your policy has to carry. You must have:

    The requirements for affordable auto insurance in Texas

    • $60,000 per incident for injuries
    • $30,000 per person for each injured individual
    • $25,000 for any property damage Continue reading

    Maximizing value in your cheap auto insurance policy in Texas is the most critical part of your purchase. You are required by law to spend money on auto insurance every month, and the money you spend must offer you real value. You may find value in different places around your policy, and you must craft a policy that you find valuable. Agents in Texas will help you create valuable policies, and this article explores ways you may create value in your auto insurance policy.

    Get the Most out of Cheap Auto Insurance in Texas

    #1: Do You Need Comprehensive Coverage?

    Comprehensive coverage for your vehicle offers you more amenities, but you may not need the amenities that are offered. Roadside assistance, rental car services and personal property insurance are excellent options, but you may not need any of these options. Ask your local auto insurance agent to remove the options you do not want, or you may make a change to a collision policy.

    #2: Choose Collision Coverage

    A collision policy has no extra options beyond repairs for your vehicle. Your collision policy pays for an adjuster to inspect your car, repairs to your car and nothing more. The car will be repaired after you are visited by an adjuster, and you will be issued a check to cover the necessary repairs to your car. Collision coverage is basic on every level, but you will pay very little for the policy. You get the insurance you need to drive within the law, but you will not pay much at all for the coverage you need. Continue reading

    According to statistics from the Texas Housing Authority, people who live in Texas with homeowners insurance are 8-10 times less likely to go through a bankruptcy that concerns real estate. This statistic is regardless of age, race or gender. However, it is more difficult to determine the exact reason that homeowners insurance in Texas protects people at such a high rate. Although there may be an argument for unexpected tragedies causing an out-of-pocket expense that becomes untenable, there are many reasons to look at the Texas weather as a cause of many of these unfortunate cases.

    More Important Facts About Homeowners Insurance in Texas

    Contrary to what many people may believe or know, the great state of Texas is actually one of many different weather patterns. Depending on the type of real estate that you are purchasing in the area, you may be more susceptible to these weather patterns than you know.Although there is some semblance of a pattern in the weather that Texas hosts, the outliers in those patterns tend to come big. The wind and rain that hits Texas hits it hard. When the weather changes between seasons, it does quite a number on wood frames and even certain kinds of metals as well. It is definitely in your best interests to have a policy that covers all of the little problems that can turn into big problems if you are not careful. Continue reading

    The most important part of your homeowners insurance is the personal property allowance you find in the middle of your policy. Your home is insured against damage and loss, but your insurance policy must help you replace your personal items. Homeowners insurance policies have a personal property value that helps you replace everything you own. This article explains the personal property allowance as it relates to everything your family owns.

    The Coverage of Homeowners Insurance in Texas

    #1: How Much Value Do You Need?

    A standard homeowners insurance policy offers over $100,000 in personal property replacement allowance. You may work with your local agent in Texas to change the value of the policy, and you must consider if you can replace everything you own with the value you have. A family that loses everything is supported by the homeowners insurance policy, and you must have enough value to get your family back on its feet after a total loss.

    #2: Are There Items You Cannot Afford To Replace?

    You may own special collectibles or other items that are simply too expensive to replace with your homeowners insurance. Collectibles, art and musical instruments can be extremely expensive, and the expense of replacing these items could cut too far into your personal property allowance. You may take out riders to protect your personal property allowance, and your collectibles will be replaced with the riders you purchase. Continue reading

    If you live in the State of Texas and have never had to file a claim for hail storm damage, then consider yourself lucky. According to the statistics, the State of Texas is at the top of the list with the highest number of hail storm damage claims filed in the past year. To make certain you and your family are fully covered and are not paying too much for insurance, you should take the time to generate a free insurance quote for all types of insurance online at www.TexasQuotes.com.
    Texas is Hit by More Hail Storms Than Any Other Storm
    With the increase in the number of hail storms in the State of Texas, every Texas resident needs to take action and generate a free insurance quote. To protect against a loss, everyone needs to make certain they are fully covered by an affordable insurance policy. Generating a free insurance quote online only takes a few minutes to do. Whether you you need a new insurance policy or are looking to save money, you should definitely take a few minutes to generate an insurance quote online right now by visiting www.TexasQuotes.com. Continue reading

    As all other states, the State of Texas has a mandatory liability insurance requirement for any person operating a motor vehicle in the state, and while finding cheap insurance can be relatively easy for the average adult in Texas; however, finding cheap insurance for teenagers in Texas can be quite a challenge. As a general rule, most insurance companies charge considerably more for insurance for drivers under the age of 25; however, by using the search tools at TexasQuotes.com. parents of teenagers will be able to search for cheap insurance rates for their teenager.
    The Cause of Auto Insurance Rates for Teens
    There are a number of factors that the actuaries at insurance companies must consider when setting the premium rates for young drivers in Texas. Following, are key elements of driving that contribute to the high rate that teens must pay in order to be insured, minimizing the options for finding cheap insurance for young drivers.
    General Lack of Skill — Due to the lack of skill and the lack of experience in numerous driving situations, teens are at a significant disadvantage on the road. Simply, based on the fact that they have not been behind the wheel long enough to develop and hone their driving skills and reflexes, they are more likely to respond inappropriately in certain situations, leading to accidents. The lack of experience and skills is one of the most prevalent influences on the difficulty in securing cheap insurance for teens. Continue reading


    Cheap Home Insurance Quotes #homeowners #insurance,cheap #home #insurance,cheap #home #insurance #quotes,cheap #homeowners


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    Quotes Comparison Allows to Save Up to 40% Home Insurance Quotes

    Get free quotes, save over $520 on homeowners insurance rates. Enter your 5-digit ZIP code, compare cheap home insurance quotes and save with our discounts. It takes only few minutes to complete quote request. Do not miss this offer, only discounted rates here, up to $520 annually in savings. When someone compares instant auto insurance quotes or cheap home assurance by zip code, this person should not ignore that it makes a valuable financial investment. That is why you should use money-saving strategies, allowing anyone to get inexpensive policy for home owners insurance that allow to get lower monthly premiums.

    Why You Need Insurance for Home Loan Pre-Approval?

    The cheapest way to save on home policy getting such coverage for home loan pre-approval. If it needs for financial company or if you are buying a new house.

    Spend 2 Minutes and Compare Quotes

    If you are not still protected by coverage, your wallet will pay for accidents which could happen with your auto or house or property possessions.

    Compare Home Insurance Rates by Zip Code

    Compare rates from local top insurers by zip code and get the most affordable offer. You may choose the most effective householder policy for low cost quote.

    Home Insurance

    Click at “Get a Free Quote” above to get the cheapest quotes on homeowners policy.

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    Click at “Get a Free Quote” above to get cheaper quotes on auto coverage.

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    Click at “Get a Free Quote” above to get cheap quotes on life coverage.

    It is important to choose the best way which will help you to get cheap safe quotations online, because we compare rates on home owners coverage from leading companies and provide the most affordable results. Does anyone need really cheapest rates? It’s easy to choose our trustworthy quotes by comparison tool. You should enter some details, compare rates by zip code get local companies quotes online, it’s simple.

    You always have a few ways to get a cheap quote. You can spend a lot of time and visit all local agents that will not be able to compare quotes and give you the most effective house policy. Anyone can use services of your current insurer or find the first that fell, which will be getting maximum premiums from your side because you were not able to spend 5 minutes and compare cheap home insurance quotes for free by zip code. We help you compare the most actual quotes from common homeowners ins companies from your state which provide high discounts, up to 40%.

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    Preferred Insurance of Las Vegas Nevada – Auto, Car, Home, Health &


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    Preferred Insurance of Nevada – Welcome

    Preferred Insurance of Nevada

    Preferred Insurance of Nevada for all of your insurance needs. Let us roll up our sleeves and do the hard work for you! Our experts can help find the right insurance policy for you, helping you save money with an insurance company that’s right for you.

    Our goal is to get the best value and coverage for your dollar. We do this by shopping several different insurance carriers for you. We have been in business since 1990 providing insurance coverage for the greater Las Vegas / Nevada area. Let us do the shopping for you!

    We speak Spanish. Se Habla Espanol.

    Preferred Insurance of Nevada is an Independent Insurance Agency

    • We proudly represent the following companies;
      • The Hartford
      • MET Life
      • Travelers
      • GMAC Insurance
      • Badger Mutual
      • Mercury
      • Infinity
      • Kemper
      • Aarp
      • Progressive
      • Safeco
    • We specialize in young drivers.
    • We offer SR-22’s.
    • We take less commission to help you save money
    • We shop up to 30 different companies for you to find the lowest rate.
    • We offer Auto, Home, Life and Health Insurance Coverage
    • There are no broker fees in the state of Nevada.

    8380 W Sahara Ave #110, Las Vegas, NV 89117 | 702-368-2080

    Copyright 2017 Website by: List U First All Rights Reserved.


    Understanding Your Insurance Policy – Nationwide #understanding #insurance, #parts #of #an #insurance


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    How to read understand an insurance policy

    We know. Reading an insurance policy isn’t exactly like curling up with a good book. It’s a fairly complex document that tries to explain all the things you’re covered for, and what’s excluded when a loss occurs.

    Although insurance companies now provide more simplified policy information, you still need to review the document carefully to make sure you understand your insurance policy. Here’s how.

    The common parts of an insurance policy include:

    Declarations

    The policy declarations page – often called the “dec(k) page” – is basically the first page of the policy package. This page states who is insured and the time period the policy provides coverage. It also gives the general information such as a description of what’s insured, the coverages and primary coverage limits.

    Definitions

    This section gives you the definitions of words and phrases you’ll see in the policy. For example: “motor vehicle” and “deductible” are two terms often found in an auto policy. Such defined words may appear in bold print throughout the policy. You can also browse Nationwide’s insurance glossary for any unclear terms you’re looking for.

    Coverages

    This section describes the specific insurance provided. It lists what property is covered and for what damages. For example, a boat owner’s policy may cover direct physical loss or damage to the boat and motor, portable equipment and other specified property. It can also provide liability coverage.

    Exclusions

    These describe the coverage limits or how coverage may be eliminated depending on how a loss occurs. Insurers may allow policyholders to buy back coverage for some exclusions for additional premium (see endorsements below). For example, earthquake coverage may be excluded for people who live in an area where earthquakes are unlikely to happen. However, if a customer would feel more comfortable with the coverage, they could buy it back.

    Limits and special limits

    This section explains how much the insurer pays for particular losses or types of property. So while something is covered, it may only be covered up to a specific dollar amount or for a limited percentage of the entire loss.

    Conditions

    This section tells you what the insurer’s responsibilities are, and what your responsibilities are as the customer. This includes how to cancel a policy, transfer of rights or duties, and payment plans.

    Duties after a loss

    This area gives guidance on what to do when a loss occurs. It includes notifying your insurer as soon as practical, notifying the police if appropriate and protecting your property from further damage.

    Endorsements

    This area defines optional coverages available for additional premium. An insurance endorsement may change your policy so that it better fits your needs. Amendatory endorsements may also be added by the insurance company (at no extra cost) to clarify policy terms and language.

    Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which control coverage determinations. Such terms may vary by state, and exclusions may apply.

    Share Article


    AIG Direct – Insurance from AIG in the US #direct #term #life


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    Join thousands who turn to AIG Direct every month for life insurance quotes and information about options to help protect their families’ financial future.

    For nearly 100 years, AIG companies have helped Americans gain the safety and security of quality insurance at affordable rates. At AIG Direct, our staff of professional, licensed insurance agents provides personalized guidance to fit your family’s needs and budget. Visit AIG Direct for a free quote, and you could save up to 70 percent* on your term life policy.

    Contact us: (800)254-4933

    Get a Quote

    AIG Direct Products

    Term Life Insurance

    Looking for an affordable life insurance option? Consider term life insurance, which provides coverage at a fixed rate for a set length of time.

    Quality of Life…Insurance ®

    Quality of Life…Insurance ® is a suite of products that can provide needed insurance protection.

    Whole Life

    Accumulate tax-deferred cash value while helping to ensure your family’s financial future — with fixed payments for life.

    *Save up to 70 percent. Savings comparison based on monthly premium rates as of 06/08/15 for a 10-year level term policy, for face amounts of $1,000,000 issued by American General Life Insurance Company at its best published rates for a female, age 30, non-smoker.

    **Referenced policies issued by American General Life Insurance Company (AGL), in all states except NY. Policy #s: 15532, ICC15-15532. AGL is not licensed to do business in New York. The total amount of all AGL Guaranteed Issue Whole Life Insurance policies on any person cannot exceed $50,000 in the aggregate.

    © 2016 AIG Direct Insurance Services, Inc. Agency services provided by AIG Direct Insurance Services, Inc. (“AIG Direct”), CA license # 0B57619 and AR license # 0100105378, a subsidiary of American General Life Insurance Company (“AGL”), Houston, TX and an affiliate of The United States Life Insurance Company in the City of New York (“US Life”), New York, NY, all members of American International Group (“AIG”). Each issuing insurance company is responsible for financial obligations of their respective insurance. Guarantees are backed by the claims-paying ability of the issuing insurance company. Products may not be available in all states and product features may vary by state. For all companies mentioned, their financial professionals and other representatives are not authorized to give legal, tax or accounting advice. For advice concerning your individual circumstances, consult a professional attorney,tax advisor or accountant.


    Photography Insurance #professional #photographers #insurance


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    Photography Insurance

    Pro Photographer’s insurance

    Start by insuring your photography equipment then add specific cover from the range of options listed below to build a policy fit for you. Due to the bespoke nature of this policy, it can be built to suit the exact insurance requirements of your business. You’ll have the option to add further cover as you go.

    Semi-professional

    If you earn income from your photography but it is not your full time occupation, this policy has the cover for you. Choose the options which are right for your equipment and add additional business aspects where needed. Please check the star table below to see which options are available to you.

    Amateur Insurance

    Passionate about photography, but as a hobby rather than a profession? Our amateur photography insurance will suit your level of involvement. Don’t feel limited though, as you aspire to move up in photography and progress towards making it a career, we can enhance your cover as the business develops through a policy upgrade.

    Additional services

    We can help you find insurance solutions for a variety of different scenarios. If you take an interest in film or multimedia, we have policies which can help. In addition, we understand it can be more difficult to find home insurance if you’re storing your camera and photography equipment at your house, so we’ve sourced a policy for this too. Just ask the team for details, they will be more than happy to help.

    Not sure which policy you need? We like to keep things simple so the table below shows the options available on each policy:

    Photography Insurance Claims

    Our claims are handled by one of our specialist multimedia insurance team, not another company. The team’s combined knowledge of photography equipment and the multimedia industry mean that with us, you’re in safe hands.

    If something happens and you are unsure if a claim might arise, please don’t hesitate to get in contact anyway. We’re here to help and can discuss the circumstances without prejudicing your policy. Our aim is either to put your mind at rest or advise on the next steps you should take.

    Please keep all information relevant to the claim; this will help us to handle your claim as efficiently as possible. Remember; do not admit liability until you have spoken with us.

    I need to claim

    Call us as soon as you can on:

    If you are calling from the Republic of Ireland, please call 00 44 1489 770 325

    Emergency out of business hours?

    Never fear, we have a 24 hour emergency telephone number so you can still speak to a friendly advisor about your claim.

    Please quote the Camerasure scheme reference number – 23822800CHC

    Photography Insurance Articles & Guides

    We know more than just photography, read more from Towergate

    Nearly two in five employees (39%) are so fed up at work that they’re thinking of leaving their job to start their own business. New research out today from Towergate Insurance.

    If you’re reading this, you already know the importance of the Internet for a business! More than ever, the Web, and social media in particular, is becoming the marketplace – so how can your small business make the most of social media? Let’s take some of the `mystery out of it with our guide to social media.

    As the number of cyber-attacks targeting SMEs increases, we look at the risks they present to SMEs and what can be done about it.

    Photography Insurance FAQs

    How do I know the value of camera equipment I want to insure?

    We replace your items on a new for old basis so; in the unfortunate event of a total loss you get the latest equivalent model as a replacement. By checking how much an equivalent replacement costs in the market today, you will get a good idea of the value you should insure your own equipment for. Don’t forget, if you are VAT registered you can deduct this element from your total value.

    Is my equipment covered abroad?

    We have a variety of covers available to suit your travel arrangements, from UK cover, to UK and Europe cover, to Worldwide.
    Our standard cover is UK and 45 days world-wide; you do not need to notify us when you go abroad only if you exceed 45 days in any one policy year. If worldwide cover is selected – travel cover is unlimited however a maximum trip limit of 90 days in any one trip is applicable.
    If you have any queries in respect of cover abroad please contact us.

    Do I need to provide you with a list of my equipment?

    The answer is no provided you have receipts and invoices for your equipment in the event of a claim.
    If you are concerned that you may not have these then please supply an equipment list, and this can be good business practice to make sure that your sum insured is always adequate.

    Is my equipment covered in the hold of an aircraft?

    Yes, full cover is extended to equipment within the hold of an aircraft subject to the equipment being in a locked Peli Case or similar protective casing.

    Is my equipment covered if I am distracted and it is stolen?

    Yes, Towergate policies provide cover for “Open Theft” and this would include opportunist. This means we do not require signs of forcible or violent, entry or exit for the theft cover to be in force.

    Under my previous insurance I made a claim, will this affect my cover?

    We only need to know about claims you have made in the last five years. Each claim is considered on an individual basis and though some may have no effect on your policy, others might. Just make sure you let us know and we will talk you through it, failure to disclose a claim can invalidate your cover.

    Do you only cover UK residents?

    You can get cover if you are a resident of:
    • United Kingdom
    • Northern Ireland
    • Isle of Man
    • Channel Islands
    • Eire (Professional/Professional indemnity and Semi-professional policies only)
    Just remember that all sales for the Isle of Man, Channel Islands & Eire will be on a Non-advised basis. This means that we will not give you a specific recommendation as to which policy you should buy however, we will provide you with information to help you decide which policy is best for you.

    Do I have to pay an excess in the event of a claim?

    Yes, Towergate photography insurance excesses vary but full details can be found on your policy documents or you can contact one of the team.

    Can we help you with anything else?

    We can help to provide you with insurance solutions for all sorts of other things. Ask us about:


    Homeowners Insurance – Home – Liability Coverage #homeowners #insurance, #home #insurance, #single


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    Pacific Specialty

    Choosing a Home
    Insurance Policy

    Your Property’s
    Value

    Setting the appropriate dwelling value is one of the most important parts of getting the right coverage for your home. Fortunately, our insurance specialists have access to a robust toolset that evaluates hundreds of factors about your home, enabling them to provide accurate suggestions. In the event of a total loss, we offer Extended Replacement Cost Coverage for additional protection above and beyond the dwelling limit to help make sure you have enough coverage to rebuild your home.

  • Protecting Your Personal Property
    and Assets

    Our comprehensive homeowner policy covers losses to your home and personal property from a wide variety of unexpected events. Not only is the cost to replace the dwelling and personal property covered under the policy, but if your home is rendered uninhabitable due to a covered loss, we will pay for Additional Living Expenses incurred while your home is being repaired or rebuilt. In addition, our liability coverage protects against bodily injury or property damage suffered by guests, neighbors or hired tradespeople, and qualifies you for Umbrella protection should you desire more liability protection.

  • Home-Auto
    Specialty Bundle

    Your home is by far your largest asset. If something were to happen to your home, would you want to leave it in the hands of a car insurance company? Property is our specialty. Save money and get true peace of mind by bundling our Home Insurance Policy with any other carriers’ auto insurance to ensure your home is properly covered.

  • Discounts and Flexible
    Payment Systems

    Our homeowners insurance rates are among the most competitive in the nation, with multiple discounts available that can save you up to 50%! We also make it easy to personalize your insurance policy with special coverage options designed to meet your unique needs. We’ll even work directly with your bank if you’d prefer to have your insurance paid out of your escrow or impound account. And with deductible options that range from $500 to $5,000 and flexible payment plans available, why would you want to go anywhere else?

  • Find a local insurance specialist

    They live in your town and they work with families in your neighborhood. They re your local independent agents and brokers. Well-trained and ready to help you get the right coverage, they find proper protection for more of life s emergencies — big or small. Find a local insurance specialist now!

    Our Company

    Yes, Pacific Specialty is an insurance company. But it’s run differently than most insurance companies. For over 30 years, we’ve been listening a little closer. Moving a bit faster. Working a bit harder to reach a higher standard. Because policyholders are the priority.

    Recent Tweets


    Errors – Omissions, broker errors and omissions insurance.#Broker #errors #and #omissions #insurance


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    Insurance Adjuster, CAT Adjuster, Public Adjuster – Errors and Omissions (E O) Liability Coverage

    Broker errors and omissions insurance Broker errors and omissions insurance Broker errors and omissions insurance Broker errors and omissions insurance Broker errors and omissions insurance Broker errors and omissions insurance

    Errors and omissions liability insurance coverage is crucial for all Adjusters. Our insurance coverage is for Claim Adjusters, Public Adjusters, Insurance Examiners, Insurance Investigators, Third-Party Adjusters, and other specialty adjusters. We insure Independent Adjusters or adjusters who work for property and casualty insurance companies. If you’re in this business, you know how important it is to have the right insurance. In a market like this, you need to work with an expert.

    At AMIS, we understand your business and have the experience that translates into providing liability coverage commensurate with your degree of risk. Our founder, Bill West, began his career in the insurance industry in 1965, and shortly thereafter he started a Private Investigation, Insurance Adjusting and Third Party Administration business.

    We offer A.M. Best rated A- VIII security, coupled with exceptional service through our national insurer who has been writing these niche markets for over 25 years. Let us handle your insurance so you can focus on the things that matter the most to your adjusting agency.

    For more information about AOE/COE procedures and reporting, click here to read our article titled: AOE-COE Investigative Report and Investigation Procedures .

    To learn more about maximizing your liability protection with the right type of policy, please read Bill’s article: Avoiding Common Pitfalls: General Liability and E O Insurance , or watch his slide presentation on that page.

    Broker errors and omissions insurance

    Our Errors Omissions Liability Insurance policies are designed for:

    • Independent Insurance Adjusters
    • Claim Adjusters
    • Public Adjusters
    • Insurance Examiners
    • Third Party Administrators
    • Cat Adjusters
    • Cad Adjusters
    • Flying Adjusters
    • Other Specialty Adjusters
    • Commercial General Liability
    • Liability Limits $1,000,000 each Occurrence and $2,000,000 General Aggregate
    • Products/Completed Operations
    • Personal Injury, Advertising Injury
    • Fire Damage Legal Liability
    • Employees As Additional Insured
    • Independent Contractors-Other Insurance Amendment (A.I.)
    • Contractual Broad Form Excluding Sole Negligence
    • Assault and Battery
    • Errors and Omissions including Limited Financial Matters
    • Care, Custody and Control Exclusion Deleted with sub-limit of $100,000
    • Property Damage Theft Extension (excluding Employee Dishonesty) with sub-limit of $250,000 and sub-deductible of $1,000
    • Premises Liability
    • Medical Payments
    • Lost Key Coverage with sub-limit of $2,500 and sub-deductible of $250
    • Coverage for new businesses and established businesses
    • Coverage for any size, from one-person operation to national account
    • Non-Owned/Hired Auto Liability Coverage (Maximum Liability Limits $1,000,000 per Occurrence; Employees must carry $100,000 liability limits on Personal Auto)
    • Primary Wording Endorsement
    • Waiver of Subrogation Endorsement
    • Excess to $2,000,000/$3,000,000; $3,000,000/$4,000,000; $4,000,000/$5,000,000; $5,000,000/$5,000,000
    • Misc. Property Coverage $50,000 or $100,000 – $500 deductible
    • Workers Compensation (except Alaska and Hawaii)
    • Commercial Auto
    • Property Insurance
    • Inland Marine

    Broker errors and omissions insurance

    Get our Brochure

    Click on the image of the Insurance Adjustor brochure to view it. You can save the brochure on your computer by clicking on the disk icon once you have opened it in the Adobe Reader.

    We normally will issue a quotation within 24 hours.

    Retail brokers can submit an application for our consideration.

    Application Information – Request a Quote

    For many of our coverages you can quickly request a quote using our online quick-quote forms. At the bottom of each quick quote form you can indicate the urgency of your request. If you have any questions, please call or email the person indicated in the contact area for this coverage.

    NOTE: All applications must be underwritten and a quotation will be issued subject to underwriting guidelines. THE QUOTE DOES NOT BIND COVERAGE.


    Car Pro Should You Buy an Extended Warranty? Car Pro News #extended


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    Should You Buy an Extended Warranty?

    A day never goes by that a Car Pro Radio Show listener does not ask my opinion of extended warranties. Many times the questions are whether you should buy one at all, if so which one, and what do they cost? All are good questions, and I am very much aware that there are many choices and it can be totally confusing. Even more questions arise because 3rd party warranty companies are bombarding people by mail, email, and phone.

    I think an extended warranty on a car is a good investment. If you have not priced vehicle repairs lately, like a water pump or air conditioning compressor, you might be shocked as to how much they run these days. We all expect an engine problem or transmission problem will cost a lot, but the other more common repairs will cost you a bundle and usually one claim on the warranty will cover the cost of the warranty.

    My rules about where to purchase a warranty are simple: from a good dealership. Going one step further, buy it from the dealership you are likely to use for service. This can shortcut your time and trouble in service since they are familiar with the contract rules and stipulations. Should there be a dispute on what is covered and what is not; the dealer you bought the warranty from has a vested interest in your satisfaction.

    So what do you do if the dealer offers you a non-factory extended warranty? For many years I recommended only buying the factory policy, in other words the warranty backed by the manufacturer of the car. As time has gone on, I have softened my stance on this issue.

    The real plus of the factory warranty is that it is good at any dealership that sells that brand. The down side is that the dealer has no control of gray areas. If the factory says a problem is not covered or is denied due to perceived abuse, the dealer’s hands are tied. If you have a non-factory warranty, the dealer can call them and plead your case. The dealer is a good customer of warranty companies.

    Timing-wise, if you want to buy a warranty, usually the time you buy the car is the best time. There are surcharges on most warranties if you wait to buy it later. In most cases, you can purchase a warranty on your car up to the time your vehicle is inside the bumper-to-bumper warranty period.

    One big thing to know before you purchase a warranty is what time and mileage will work best for you. There are a lot of different combinations. Also give thought to how much coverage you want. Generally you can go from basic powertrain coverage, all the way up to plans that cover maintenance. The price of course goes up with the higher levels of coverage. You can also usually choose a low deductible amount, or save money on the cost of the warranty by paying a higher deductible.

    Speaking of price, many times you can get a discount on the warranty just for asking. In a lot of cases, the amount you pay for a warranty is negotiable. Like everything else, it never hurts to ask!

    I warn you too, that I don’t know of any legitimate warranty company that will write a policy on a vehicle with 100,000 miles or more. There are alot of companies who make the warranties on these mileage vehicles sound great, but generally in the fine print, there are a lot of ways they can wiggle out of paying the claim.

    In summary, I recommend you buy a good warranty from a good dealership that will stand behind what they sell. I have seen many cases where extended warranties have saved people from financial ruin.

    Copyright: Billion Photos/Shutterstock

    Rental Quote – Mercedes Sprinter Camper Van Rental #camper #insurance #quote


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    Rental Quote

    We learned a lot on our first go round and had a real good time. We very much appreciate you reimbursing us for the campground fee so that we could take showers. When we revisit a Mercedes Sprinter we will certainly come to you.You and your team are excellent and proved to be very fair.

    I just wanted to show you what a great time we had with your rig Kerouac in Utah. The kids renamed it ‘The Whole Enchilada’ for our trip since she had everything we needed! (pictures on Gallery page ) We appreciated all the little touches that made it easy for us to just show up and live and cook in a van for 10 days! We had great adventures and made memories for a life time.

    Thanks again, Anna Allen

    “. a spectacular, eye-opening experience into nature! And especially, thanks to you, playing a major role in making sure (as much as possible) we had the best adventure possible, and we did!”

    “Other than a little of the Moab desert along for the ride, everything is in tip top shape. We even weathered up to 40 mph wind gusts while camping! We loved the inverter system with the solar panels. Your 3 day rule of thumb for fresh, black and gray is very accurate for usage without showering. The outside shower was a great feature.
    The vehicle is a dream to drive especially with mountain driving and diesel fuel. You have a great company and great business model.”

    “Thank you again for a wonderful rental”..

    J.Stewart Sirens Media inc

    “Sande at Stay Adventurous, is an amazing resource. Not only did we get excellent technical and logistical advise on our first ever Road Trip in a non-auto vehicle, she inspired us with wisdom and encouragement as we hit the road. Because of her guidance, our Road Trek adventure was a huge success, it exceeded our expectations, and left us with memories that are indelible. Trust your trip to Sande and her fleet of memory makers! She is a rare gem and has become a friend.”

    “I learned of your service from a neighbor who recently rented from you and he absolutely RAVED about you and your service, and recommended that I contact you. I did and of course you lived up to the billing. Just thought I’d pass along some very positive news and the good referrals that you and your team generate.”

    “Sande, Monty and I want to thank you for making our vacation so very extra special! The Sprinter was a home-away from home. I slept like a champ and we loved all the special touches you provided. Continued success!”

    Teel and Monty L


    Insure Mart #louisiana #auto #insurance #companies


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    Auto, Home, Business Insurance

    Insurance in Houma: Terrebonne, Lafourche, and Saint Mary Parishes

    As an independent agency we aren t tied to any one brand.Our allegiance is to our customers. We shop many insurance providers to find your best deal. We carry auto, home, flood. business, motorcycle, RV, ATV, liability insurance, bonds, and more. Whether you re looking for no frills or premium auto coverage, let our experienced agents shop multiple companies and find your best rate!

    A local family owned and operated agency serving Terrebonne, Lafourche, and Saint Mary Parishes for 34 Years!

    Our insurance carriers include Progressive, Kemper, Safeway, Lighthouse, Occidental, Access Home, Imperial Fire Casualty, many more.

    We provide protection for your car, home, business (General Liability), motorcycle, motorhome, mobile home, all terrain vehicle (ATV), recreational vehicle (RV), more. Insure Mart Insurance uses new technology and good old fashioned personal customer service to better protect you. We take pride in earning our customers trust.

    We have offices in the Houma/Gray area, on Grand Caillou in East Houma.

    Think of us as your insurance concierge!

    Our #1 goal is to make you happy. As an independent agency, we aren t tied to any one brand. We shop many insurance providers to find your best deal. We explain the coverage so you know what you re getting, and are here to handle any issues that might arise in the future.

    Whether your priority is cost, the best coverage, or a healthy blend of both, one of our licensed agents can walk you through your options and find your best deal.

    Our founder Maurice Mouton has over 50 years experience in the insurance industry. As life long South Louisiana resident, he cares about the Tri-Parish community and hopes to make a positive contribution though his busines


    Kaplan Insurance Agency #beacon #auto #insurance


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    Kaplan Insurance

    We are an independent agency with the customer in mind, which is why we offer you personal support.

    We have relationships with dozens of insurance companies, allowing you to get the right price with the right service. Whether you have the ideal history, preferred companies desire, or a not so perfect history, we find the right coverage, with the best company, at the best price for you. As an independent insurance agent licensed in the state of New York we can offer the right coverages with the personal touch you would expect from your neighborhood insurance agent.

    Kaplan Insurance Agency is a full service independent insurance agency and our staff is committed to providing our clients with the best Insurance value and service while maintaining the highest ethical standards.

    Our goal is to insure that your coverage meets your needs at the best possible price.

    Please take a moment and view Kaplan Insurance’s reviews to see what our customers are saying.

    Request an Insurance Quote

    Overall Rating / 467 Total Testimonials

    4.9 Out of
    5 Stars

    Kaplan Insurance Agency Inc

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    Business

    Auto

    Defensive Driving

    Kaplan Insurance Agency Inc. | 12 Barrister’s Row – Wappingers Falls, NY 12590


    2017 Honda Civic Information #honda #civic #insurance #rates


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    2017 Honda Civic

    2017 Civic Overview

    Though the N rburgring-conquering Civic Type R attracts big headlines, its uncompromising performance bent and expected price tag in the mid-$30,000 range preclude it from being anything more than a low-volume halo car for wealthy, diehard sport compact fans. The 2017 Civic Si on the other hand, with an affordable price of $24,775, is the performance Civic that most people will have a chance to drive and own, which arguably makes it more important than the Type R. To see if Honda has a winner on its hands, we drove the coupe at the Honda Proving Center in the Mojave Desert and on mountain roads near Los Angeles. The first thing we need to address about the Civic Si is the engine. It’s a turbocharged 1.5-liter four-cylinder that is based on the one found in standard turbocharged Civics, but it features a larger turbocharger. The bigger compressor allows the engine to make 205 horsepower and 192 pound-feet of torque, making it the most powerful Civic around until the Type R goes on sale. It certainly feels peppy, with boost coming on quickly, strongly, and smoothly. It accelerates willingly, and feels distinctly faster than regular Civics. The low-down torque also easily surpasses previous high-revving Si models to become the most tractable Si ever. The engine is quite smooth, too, and has a pleasant muted growl when mashing the gas pedal. But for all the power improvements the Si has, on paper it has a major power and torque deficit compared with the more powerful and torquey VW GTI and Ford Focus ST. In reality, that deficit comes through clearly, as the Si never pins you to the seat the way those hot hatches do. This is despite the fact that both of those cars are 145 pounds and 334 pounds heavier than the Si, respectively. It also doesn’t feel as eager to rev as the old naturally aspirated engines, nor does it shed RPM quickly, making upshifts less smooth and enjoyable. It’s possible that the aftermarket could offer a solution in the near future to address the horsepower deficit. An aftermarket tuner, Hondata, already offers a tune that makes a conventional turbocharged Civic more powerful than an Si, so just imagine what it could do to the Si’s engine with its bigger turbo. Connected to the Si’s turbo engine is a six-speed manual transmission – the only transmission available – and a helical limited-slip differential. The transmission is very good, though it isn’t one for the Honda hall of fame. Throws are very short and require hardly any effort, but it lacks some of the slick mechanical feel of best Honda shifters, such as those in the S2000 and even the 2006-2011 Civic Si. The limited-slip differential did a good job of getting power to the ground, since we never once noticed the inside wheel spinning away power in turns. Some of the credit may be due to the optional summer tires ($200) that were equipped to all of the test cars.
    Full Review

    2017 Civic Overview

    Though the N rburgring-conquering Civic Type R attracts big headlines, its uncompromising performance bent and expected price tag in the mid-$30,000 range preclude it from being anything more than a low-volume halo car for wealthy, diehard sport compact fans. The 2017 Civic Si on the other hand, with an affordable price of $24,775, is the performance Civic that most people will have a chance to drive and own, which arguably makes it more important than the Type R. To see if Honda has a winner on its hands, we drove the coupe at the Honda Proving Center in the Mojave Desert and on mountain roads near Los Angeles. The first thing we need to address about the Civic Si is the engine. It’s a turbocharged 1.5-liter four-cylinder that is based on the one found in standard turbocharged Civics, but it features a larger turbocharger. The bigger compressor allows the engine to make 205 horsepower and 192 pound-feet of torque, making it the most powerful Civic around until the Type R goes on sale. It certainly feels peppy, with boost coming on quickly, strongly, and smoothly. It accelerates willingly, and feels distinctly faster than regular Civics. The low-down torque also easily surpasses previous high-revving Si models to become the most tractable Si ever. The engine is quite smooth, too, and has a pleasant muted growl when mashing the gas pedal. But for all the power improvements the Si has, on paper it has a major power and torque deficit compared with the more powerful and torquey VW GTI and Ford Focus ST. In reality, that deficit comes through clearly, as the Si never pins you to the seat the way those hot hatches do. This is despite the fact that both of those cars are 145 pounds and 334 pounds heavier than the Si, respectively. It also doesn’t feel as eager to rev as the old naturally aspirated engines, nor does it shed RPM quickly, making upshifts less smooth and enjoyable. It’s possible that the aftermarket could offer a solution in the near future to address the horsepower deficit. An aftermarket tuner, Hondata, already offers a tune that makes a conventional turbocharged Civic more powerful than an Si, so just imagine what it could do to the Si’s engine with its bigger turbo. Connected to the Si’s turbo engine is a six-speed manual transmission – the only transmission available – and a helical limited-slip differential. The transmission is very good, though it isn’t one for the Honda hall of fame. Throws are very short and require hardly any effort, but it lacks some of the slick mechanical feel of best Honda shifters, such as those in the S2000 and even the 2006-2011 Civic Si. The limited-slip differential did a good job of getting power to the ground, since we never once noticed the inside wheel spinning away power in turns. Some of the credit may be due to the optional summer tires ($200) that were equipped to all of the test cars. Hide Full Review


    Montana Insurance Commissioner Announces Fraud Settlement #montana #insurance #commissioner


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    Montana Insurance Commissioner Announces Fraud Settlement

    LPL Financial Corporation (LPL) will pay nearly $1.3 million in restitution to Montana investors and a fine of $150,000 to the State of Montana under a settlement announced today by Monica Lindeen, Montana Commissioner of Securities and Insurance.

    The restitution and fine are the resoultion of claims involving the alleged illegal activity of a former LPL registered representative, Donald Chouinard, who allegedly operated a Ponzi scheme in the Kalispell area, and the alleged failure by LPL to supervise Chouinard.

    LPL did not admit or deny any of the allegations as part of the settlement; however, LPL believed it was in the best interests of its customers to resolve the alleged violations. Lindeen praised the company for doing right by the injured Montana investors.

    Too many hard-working Montanans lost their savings due to the actions of Mr. Chouinard, but today we started the process of recovering those losses, said Lindeen. This settlement is the result of both efficient and effective enforcement work by this agency and a willingness by LPL Financial Corporation to arrive at a solution that addresses the needs of its clients. We are very pleased with this result.

    The settlement with LPL did not resolve any claims against Chouinard individually or his companies, which the Montana Department of Securities continues to pursue.

    In September, the Securities Department issued a Temporary Cease and Desist Order against Chouinard and filed a Notice of Proposed Agency Action against him and his companies, DC Wealth Management, Inc. and DC Associates, Inc. The action alleges that Chouinard and his companies committed securities fraud and conducted a Ponzi scheme involving Montana and Idaho investors who invested in what they thought was was a day-trading program. In fact, the investors received proceeds taken from money contributed by newer investors.

    Specifically, the Department s action alleges Chouinard convinced one investor to obtain a $100,000 loan and invest with him because he could guarantee a high return in 30 days. Instead of investing the $100,000 in the day-trading program, Chouinard used $50,000 to pay off a previous investor, deposited $25,000 into his personal joint-checking account, and gave the other $25,000 to his attorney.

    The Department also alleges that Chouinard traded in the investors accounts without authorization and forged their signatures to authorize certain trades, as well as that he failed to provide the investors with statements or tax documents for their day-trading investments. Chouinard routinely informed the investors about the values of their investments orally or via email. The investors allege Chouinard also misrepresented the values of their investments, in one case by as much as 10,000%. The excessive trades also resulted in thousands of dollars in commissions for Chouinard.

    Montanans who feel they have been treated unfairly by an investment broker or company or who believe they have been the victims of fraud should call the Montana Commissioner of Securities and Insurance at 1-800-332-6148 or in Helena at 444-2040.

    Get Insurance Journal Every Day


    Motorcycle Insurance – Motorcycle USA #motorcycle #insurance #policy


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    Motorcycle Insurance

    Motorcycling is inherently dangerous. You never know what might be around the bend. So the last thing you want to worry about in an accident is insurance, so don’t ride without it. Besides, it’s required by law, and getting a ticket for not having motorcycle insurance or even auto insurance is expensive. Some states won’t even let you buy a bike without proof of motorcycle insurance. Responsible riders can t afford to ride without motorcycle insurance, but what level of coverage meets your needs? Comprehensive, collision, liability It can get confusing, so Motorcycle USA is here to help with our Motorcycle Insurance Guide. A crash course in the basics of motorcycle insurance, get informed so you can make a savvy decision.

    Featured Motorcycle Insurance Providers


    GEICO Motorcycle Insurance
    Let’s cut to the chase – you’re shopping for a new bike, and you gotta have insurance for it, too. Don’t trust that beauty to just anyone – trust GEICO, where great rates and knowledgeable reps are just the beginning. GEICO. 15 minutes could save you 15% or more on motorcycle insurance, too.
    www.GEICO.com


    Rider Insurance
    Ride with Rider. Rider offers motorcycle insurance for DE, IN, NJ, MD, MI, OH, PA, VA, and WV. We’re committed to providing “no hassle” service at the lowest rates possible! Call 1.800.595.6393 or go to www.rider.com to get an instant price quote or purchase a policy.
    www.rider.com

    Allstate Motorcycle Insurance
    As the fastest growing motorcycle apparel brand in North America, Speed and Strength® has emerged as a leader in street helmets for men and women. The SS collection features a complete lineup of full face, modular, super adventure, touring, 3/4 and half helmets.

    Featured Motorcycle Insurance Guides

    Term Life Insurance Quotes and Rates #term #life #insurance,life #insurance #rates,term #life


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    Spectrum Insurance Group

    Get Instant Term Life Insurance Rates in Less Than a Minute

    Whether your term life insurance need is short term or long term, temporary or permanent, meant as an investment, or a retirement vehicle. We will give you the right information and the most appropriate quotes instantly.

    We will explain, compare features, compare rates on your term life insurance, and also help you determine the right type of insurance that matches your situation. We’ll obtain the best possible life insurance rates for your circumstances.

    All this information for free without any obligations!

    Give the consumer simple objective term insurance advice and the best service available. This simple philosophy is practiced as our mantra. These guiding principles have helped us become a premier provider of online life insurance quotes and helped win numerous industry awards for Outstanding Customer Services and Sales.

    Term life insurance is a simple and affordable way to ensure your beneficiary financial security in the event that you die within the period of, or term of the policy. The term of the policy can vary from one to thirty years of coverage. The face amounts stay level throughout the term and generally begin at $25,000 and increase to meet your specific needs.

    Types of Life Insurance We Sell:

    Term life insurance is affordable because it does not accrue a cash value and only pays the death benefit. Therefore, the initial premium is much lower, allowing you to easily budget for your coverage. This option offers great value to an individual that needs a death benefit for a specific period of time.

    For example, term life insurance is a good choice for people that have started a family and need to consider paying for college, have amortized loans, or have a specific financial burden that will decrease over time. After the kids graduate from college, the amortized loans are paid down, or the specific financial burden has decreased, the need for cost effective high levels of coverage may not be as great. At this time your options vary.

    Term life insurance policies (10 year, 20 year, 30 year) can usually be renewed at the end of the term. Perhaps at this point in your life a shorter term and smaller face value will adequately meet your needs.

    Keep in mind that there is a direct correlation between age, health and premium costs. Subsequently, with advanced age and the health issues associated with age, your premiums will probably be higher and eligibility is not as easy. You may want to consider converting to a permanent life insurance policy at this time.

    Get Simplified Information:

    Often information is sought from surfing web pages endlessly and ultimately making it more confusing that when you started in the first place. All you need to do is input the information asked, and our quote engine will give simplified information instantly that will enable you to make the right decision for your insurance needs. We help you access information simply and easily.

    No matter what is your level of risk – smoker. pilot. diabetic. key man – we can help you find the best life insurance policy for your particular situation.

    Not sure if you should get Term or Whole Life Insurance, read our opinion on this subject – Whole Insurance vs Term Insurance. Or explore a No Medical Life Insurance policy and avoid the hassle of an insurance medical exam upon applying.

    24 Hours Access:
    Being online makes it all the simpler. You can access us on a 24×7 basis through out the year. By just filling up the quote form or calling us on our toll free number, you can start saving money today.

    Pact of Privacy:
    You can always be sure that the information supplied to us will only be used for the purpose of quoting term life insurance rates by us or one of our trusted partners.

    Giving the right information to our customers is our business!

    Customer Testimonials:

    Thank you for taking the time to discuss all of my options with me. I never felt pressured to buy, but I am certain I got the right term life insurance for my needs — Ken. Raleigh, NC

    Allowing me access to you through this entire process provided me with more than great customer service it gave me piece of mind and confidence I have made the right decision — Janet, Pensacola, FL

    I am always overly critical of other insurance related websites on the internet, but I have to stay your website has great information and was easy to use. I like how your quote page displays real time rates from all the insurance carriers. The side by side comparison made the process of shopping for life insurance simple and fast! Keep up the great work — Scott, of Schuerman Insurance

    I was already so frustrated with this process and the many online life insurance websites who were more interested in selling my information than assisting me. However, when I found SpectrumInsuranceGroup.com I received all of the answers to my questions and the personalized service I was looking for. The pressuring phone calls stopped, and I was able to work with one individual through this whole process. Steve of Spectrum Insurance Group is professional, courteous, and in my opinion truly enjoys helping people protect their family and loved ones. I would recommend him to anyone! — Margaret, Alpine, Utah

    For all your real estate needs in the Hampton Roads area of Virginia, visit Searchhamptonroadshomes.net – Tom will take good care of you.

    2017 – Spectrum Insurance Group. All Rights Reserved


    Renter’s Insurance 101 #renter #insurance, #tenant #insurance, #tenant #insurance #ontario, #how #much


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    Home Insurance
    Article

    Renter’s Insurance 101

    According to Statistics Canada, less than half of renters in Canada have renter’s insurance 1 (also known as tenant or contents insurance).

    We often think of home insurance as protecting the big stuff—like pipes, appliances, and the physical structure of the home or building. If you are renting, your landlord may have his or her own insurance policy to cover these kinds of items. But their insurance will not cover your personal belongings, such as furniture, jewellery, or entertainment equipment. Your landlord’s insurance will also not protect you if someone is injured on your property.

    That’s where renter’s insurance comes in. Renter’s insurance will help you replace these possessions in the event of a loss or damage due to a covered risk. Speak to an Advisor to see how we can tailor your insurance to fit your needs.

    Let’s start by understanding the importance of liability insurance.

    Accidents happen and sometimes those accidents can be quite costly.

    For example, a candle in your apartment could cause a fire. If that candle affects other units, you may be deemed responsible to pay for damages to your rental unit.

    Or, if someone trips and falls in your apartment, you could be held financially responsible for the cost of medical expenses and lost wages.

    Liability insurance could protect you in the event of a lawsuit, and help you cover the cost of any damages.

    Next you need to understand a few basic terms:

    • All-Risk insures your building and contents for losses due to the widest range of perils (or risks), unless specifically excluded from your policy like intentional damage
    • Personal Liability insurance protects you for unintentionally injuring someone or damaging their property and have to pay damages (example: someone has a slip and fall on your walkway, breaks his/her leg and now cannot work for a period of time)
    • Contents Insurance covers your belongings (including when you travel) for losses resulting from the most common types of perils (or risks) up to a specified amount
    • Replacement Cost Coverage means that the contents of your home are insured for the amount it costs to replace them without depreciation
    • Additional Living Expenses Coverage will help you pay for reasonable and necessary expenses (like hotel and food costs) in the situation you are forced to leave your home following an insured peril (or risk) for a period of time

    Find the home insurance coverage that best fits your needs

    1 Most renters skip home insurance. (2010, January 19). CBC News. Retrieved January 20, 2016, from http://www.cbc.ca/news/canada/ottawa/most-renters-skip-home-insurance-1.911039


    Accident Protector #accident #health #insurance, #accident #protection, #accident #health #insurance, #accident #insurance


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    • Individuals & Families | Combined Insurance
    • Our Products | Combined Insurance
    • Accident Protector | Combined Insurance

    Accident Protector helps make sure you and your family are ready

    If an accident sends you to the emergency room, lands you in the hospital or requires a recovery period after hospital confinement, Accident Protector pays cash directly to you. So instead of worrying about how you’re going to pay your bills, you can focus on getting better.

    Help with a wide range of costs associated with injuries from an accident

    Four out of 10 people are treated in emergency rooms every year. 1 The typical length of a hospital stay is five days and costs over $10,000. 2 That s more than two month s income for the average American family! 3

    If you or a family member is hospitalized, do you have an emergency cash fund to help pay for non-medical expenses? Because even though you re injured you still need to pay insurance deductibles and copayments as well as monthly household bills like rent or mortgage, car payments, groceries and utilities. You might even need to pay someone to help around the house while you re recovering.

    The Accident Protector policy is available for individuals or families.

    This is an accident only policy and does not provide benefits for loss due to sickness.

    1 National Safety Council, Injury Facts, 2014.
    2 Agency for Healthcare Research and Quality, Costs for Hospital Stays in the United States, 2012
    3 U.S. Census Bureau, 2014

    Prepare for the unexpected.

    Combined Insurance offers supplemental insurance that provides benefits that your major medical insurance may not. Combined Insurance s valuable products and personal service can help make sure you and your family get the coverage you need. Our policies are easy to understand and our professional agents are always ready to help.

    • Comprehensive: You re covered 24 hours a day, 7 days a week, whether you re at work or on your own time.
    • Convenient: Benefits are paid directly to you, not to the hospital or facility where you are being treated.
    • Comforting: This policy is yours, independent of your employer. You can switch jobs but keep the same insurance policy.

    The information provided by this document is only a brief description. See the actual policy for complete details of the policy plans, features, benefits, options, rates, definitions, limitations, and exclusions. Products vary by state and are subject to availability and qualifications.

    Life, accident sickness and disability insurance policies issued by Combined Insurance Company of America in all states, except New York. In New York, life, accident sickness and disability insurance policies issued by Combined Life Insurance Company of New York (Latham, NY). Combined Insurance Company of America is not licensed and does not solicit business in New York.

    A common occurence

    Four out of 10 people are treated in emergency rooms every year. 1 The typical length of a hospital stay is five days and costs over $10,000. 2

    1 National Safety Council, Injury Facts, 2014.
    2 Agency for Healthcare Research and Quality, Costs for Hospital Stays in the United States, 2012


    Preparation Tips for Your Life Insurance Medical Exam #life #insurance #no #physical


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    Preparation Tips for Your Life Insurance Medical Exam

    When your insurer requires a life insurance medical exam. don t panic. Just follow these simple tips to make sure your exam yields the best possible results.

    1. Schedule a morning exam When arranging for your appointment, try to secure one as early in the day as possible even if that day falls on the weekend. Why? The early morning is when your body is least stressed.
    2. Avoid food At least 8, and preferably 12 hours before your life insurance medical exam, avoid eating anything. Another recommendation is to avoid salty, cholesterol-loaded or high-fat foods for a day or two prior to your exam.
    3. Drink water It s okay to drink water, and recommended an hour before you ll be asked to provide a urine sample. The only caution against this is if your insurer later requires specific additional tests that require fasting and no water for a specified amount of time. You will be advised if there are any restrictions on water consumption.
    4. Sleep well The night before your life insurance medical exam, it s important that you get the proper amount of sleep. Your body needs to be well-rested in order to achieve the best possible results during your exam. Do not take any medication to help you to sleep, however, as this will negatively affect your tests
    5. Avoid strenuous exercise The day before your exam, stay away from any strenuous physical exercise. This means no working out at the gym or playing touch football or anything that normally causes you to physically exert yourself to a greater degree.
    6. No alcohol Do not drink any alcoholic beverages for a full 24 hours before your exam.
    7. Steer clear of caffeine Drinks like coffee, lattes and espressos, soda and tea should not be consumed for several hours in advance of your exam.
    8. No tobacco Do not chew or smoke tobacco for 24 hours before your testing.
    9. No decongestants Similarly, do not take any decongestants for a full day (24 hours) prior to your health insurance exam.

    On the Day of your Exam
    You re well-rested, taken all the precautions, and now it s the day of your exam. Follow these additional five helpful tips to ensure you re doing all you can.

    1. Dress appropriately Wear a short sleeve shirt, blouse, sweater, etc. or a garment with long sleeves that can be rolled up. This is so your blood can be taken for the blood tests. By the way, to ease your mind, ask to see the seal on the needle so that you re assured the blood test is sterile.
    2. Bring medical records with you You ll need to have all your medical records, and information about doctors and health insurance available.
    3. Carry photo ID This ensures the insurer that the person who shows up for the life insurance medical exam is you.
    4. List of medications Have with you a list of all the medications you take, or have taken. Be sure to include any non-prescription or over-the-counter drugs as well. This is important, since taking something you haven t mentioned may skew the test results and not in your favor.
    5. Relax and remain calm This advice pertains to the entire life insurance medical exam, but is particularly important if an EKG is required. During an EKG, you ll be asked to lie on a table and leads will be placed on your chest to monitor electrical impulses in your heart. Relaxing and remaining calm will help prevent false readings due to muscle action.

    The content on this site is provided for informational purposes only and is not legal or professional advice. Advertised rates on this site are provided by the third party advertiser and not by us. We do not guarantee that the loan terms or rates listed on this site are the best terms or lowest rates available in the market. All lending decisions are determined by the lender and we do not guarantee approval, rates or terms for any lender or loan program. Not all applicants will be approved and individual loan terms may vary. Users are encouraged to use their best judgment in evaluating any third party services or advertisers on this site before submitting any information to any third party.

    Finweb.com is an Internet Brands company.


    Long Term Disability Claims – Aaron Waxman Law #long #term #disability #insurance


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    Long-Term Disability Claims

    Many employers offer long-term disability benefits to employees as part of their group benefit packages. Long-term disability benefits provide income replacement to those who are unable to work for an indefinite period of time due to an illness or injury. While every long-term disability policy is different, all policies require that an insured person satisfy a qualifying period (also known as an elimination period or waiting period), submit a complete application, provide updated medical application, participate in treatment/rehabilitation and be subject to a change of definition where the insurer s definition of disability changes from own occupation to any occupation.

    The amount of your long-term disability benefit will depend on your policy. Benefit amounts can be equivalent to 50%-85% of your monthly income. Depending on your policy, your benefit may or not be taxable.

    Long-term disability policies are complex and contain many provisions. Letters from the insurance company may contain terms that are ambiguous or unclear. A lawyer can help you to understand your insurance policy and any letters from your insurer.

    If your application for long- term disability benefits has been denied, or your benefits have been terminated, you should not hesitate to seek legal advice. It is always important to understand your rights and your options with respect to a denial of benefits and to know that you can pursue a court action against your insurer.

    The lawyers at Aaron Waxman and Associates have handled many claims for long-term disability benefit denials and helped many clients achieve the settlements they deserve.

    If you have a question about long-term disability benefits, call or e-mail Aaron Waxman and Associates – there is no charge to call us and there are no bad questions.

    From any mobile phone in Canada

    Toronto

    Toll Free


    Alexandra Group Medical Practice #insurance #for #doctors #practice


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    Alexandra Group Medical Practice

    News

    Welcome to Alexandra Group Medical Practice

    With patients’ needs at the heart of everything we do, our website has been designed to make it easy for you to gain instant access to the information you need. As well as specific practice details such as opening hours and how to register. you ll find a wealth of useful pages covering a wide range of health issues along with links to other relevant medical organisations.

    Home

    Welcome to Alexandra Group Medical Practice

    With patients’ needs at the heart of everything we do, our website has been designed to make it easy for you to gain instant access to the information you need. As well as specific practice details such as opening hours and how to register. you ll find a wealth of useful pages covering a wide range of health issues along with links to other relevant medical organisations.

    Get Well, Keep Well

    Of course we re not just here for when you are unwell. Our team of healthcare professionals and back-up staff offer a number of clinics and services to promote good health and wellbeing whatever your medical condition.

    Join In

    We hope you enjoy having a look around the site and familiarising yourself with some of the online features such as ordering a repeat prescription. Whatever your thoughts, be sure to let us know via our feedback function. Comments and suggestions are always a great way of helping us continue to enhance the way we look after you.

    Allocated GP

    In line with Department of Health Instructions all patients registered with our practice have been allocated a specific GP.

    This does not mean that you have to see the GP who has been allocated to you, you are still able to see any GP of your choice as you currently do now.

    Access

    At the Alexandra Surgery, reserved car parking spaces for the disabled are marked out near the left hand side entrance (as viewed from the front of the building). There is adequate wheelchair access to the building. There are WCs for disabled patients provided on both the ground and first floors. A lift is available. If access proves difficult to any of our disabled patients we would be happy to consider any suggestions for improvement.

    All GP practices are required to declare the mean earnings (ie average pay) for GP’s working to deliver NHS services to patients at each practice.

    The average pay for GP’s working at The Alexandra Group Medical Practice in the last financial year was 99,514 before tax and National Insurance. this is for 4 full time GP’s who have worked in the practice for more than 6 months.

    Opening Times

    Opening Times


    Pennsylvania Disability Insurance laws & compensation compliance analysis #arizona #workers #compensation #insurance


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    Pennsylvania Disability Insurance: What you need to know

    Disability insurance pays wage replacement benefits to employees who are not working due to non-job-related accidents or illnesses. (Workers’ compensation covers job-related injuries.) It also provides coverage for employees who may not be eligible for workers’ compensation, or it may supplement workers’ compensation.

    For a Limited Time receive a FREE Compensation Market Analysis Report! Find out how much you should be paying to attract and retain the best applicants and employees, with customized information for your industry, location, and job. Get Your Report Now!

    A few states have laws that require employers to provide disability insurance, but Pennsylvania is not among them. Pennsylvania employers may provide such insurance, but they are not required to do so. State law may require specific provisions in a group disability policy sold by insurers in Pennsylvania.

    For additional information, visit the Pennsylvania Insurance Department website at http://www.insurance.pa.gov .

    Last reviewed on May 17, 2017.

    Wellness Programs Webinar Recording
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    Free Special Reports

    Featured Special Report

    Claim Your Free Copy of Top 100 FLSA Overtime Q As

    We’ve compiled a list of the 100 most commonly asked questions we have received on the federal Fair Labor Standards Act (FLSA) overtime regulations.
    Download Now!

    This report, “Top 100 FLSA Q As”, is designed to provide you with an examination of the federal FLSA overtime regulations in Q A format, including valuable tips for bringing your workplace into compliance in an affordable manner.

    At the end of the report, you will find a list of state resources on wage and hour issues. This report includes practical advice on topics such as:

    • FLSA Coverage: How FLSA regulations apply to all employers and any specific exemptions from the overtime requirements
    • Salary Level: Qualifying for exemptions and nonexempt employees
    • Deductions from Pay: Deducting for violations, disciplinary reasons, sick leave, or personal leave

    BLR Business and Legal Resources
    100 Winners Circle, Suite 300 | Brentwood, TN 37027
    800-727-5257
    Copyright © 2017 BLR Business & Legal Resources. All rights reserved.

    This document was published on http://Safety.BLR.com
    Document URL: http://safety.blr.com/Compensation/Benefits-Leave/Disability-Insurance-in-Pennsylvania


    Insurance Katy #katy #insurance #agency, #insurance #agency #katy, #insurance #katy, #katy #insurance,


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    Welcome To Dagley Insurance Financial Services:

    Your Local Insurance Agency in Texas and Colorado!

    At Dagley Insurance Financial Services, we are proud to offer comprehensive insurance solutions at great rates. We pride ourselves in providing outstanding service to our clients each and every day. With offices throughout Texas and Colorado, we do our very best to meet your insurance needs.

    If you are living in Texas or Colorado, we would love to earn your insurance business! We provide complete insurance packages for businesses. If you are in need of personal insurance such as homeowner s insurance, auto insurance, life insurance, or renter s insurance, we have you covered there as well. When you work with Dagley Insurance Financial Services, you get personalized service, convenient locations, and a company that cares about you.

    Dagley Insurance Financial Services makes it easy to start saving on all of your insurance policies immediately by offering many locations.
    We have six insurance agencies in Texas, including Katy, Houston, Cypress, Sugarland, Plano and Cleburne. We also have three insurance agencies in Colorado, including Aurora, Denver, and Greeley.

    Give us a call today, or fill out any of the quote forms on our website for more information. We look forward to working with you.

    Proud Member of:

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    Dagley Insurance & Financial Services Inc

    23102 Seven Meadows Pkwy

    Dagley Insurance & Financial Services Inc

    1 N Walnut St, Ste 125

    Cleburne, TX 76033

    Dagley Insurance & Financial Services Inc

    3011 W 10th St, Ste 113

    Greeley, CO 80634

    Dagley Insurance & Financial Services Inc

    17515 Spring Cypress Rd, Ste G

    Cypress, TX 77429

    Dagley Insurance & Financial Services Inc

    15510 Lexington Blvd, Ste A2

    Sugar Land, TX 77478

    Dagley Insurance & Financial Services Inc

    2055 S Federal Blvd

    Denver, CO 80219

    Dagley Insurance & Financial Services Inc

    17105 Clay Rd, Ste C

    Houston, TX 77084

    Dagley Insurance & Financial Services Inc

    8000 Coit Rd, Ste 500

    Dagley Insurance & Financial Services Inc

    10310 E Colfax Ave

    Aurora, CO 80010

    We are licensed in all of Texas & Colorado. License #12053.

    Developed by Dagley Insurance & Financial Services, Inc #12053. Nationwide Life Insurance Company. Nationwide Mutual Insurance Company and Affiliated Companies. Home Office: Columbus, OH 43215-2220


    California Health Insurance quotes online: featuring Covered California #california #health #insurance,california #health


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    from ME

    a million thank you for your prompt attention to all the details concerning this process. You ve made it that much easier to enroll.

    from SD

    Thanks again for your help – I had absolutely no idea how to get this done when I got up this morning. You ve made it remarkably easier than I expected. I hope you re not stuck at the office all night.

    from KV

    Anyway, I hope you got some time off this past week! Thank you again for your help and efforts on my behalf! I was very lucky to find you.

    from EK

    I thank you very much for the time that you have invested in handling everything

    from SR

    I truly appreciate the quick response and will think of you in the future if I need to make any changes to my insurance plans.

    from VH

    You are awesome. takes a huge worry off my back, thank you for your kind. thanks for your time and kindness.

    from SA

    Wow, I can t thank you guys enough for your help. I couldn t imagine trying to tackle this on my own!

    from LM

    You are my new best friend. A HUGE thank you again.

    California health insurance quotes online

    20 years of experience in the California health insurance market has taught us one thing. Competent and experienced guidance is Invaluable

    We are licensed Covered Ca agents with in-depth knowledge of their plans, process, and tax credits.

    Request a 10 Minute Health Plan Check-up

    We ll quickly see if you have the best priced plan available and if you qualify for a tax credit

    Our Services are FREE to You

    Calhealth.net is a Goodacre Insurance Services Website

    This website is owned and operated by Goodacre Insurance Services, which is solely responsible for its content. This site is not maintained by or associated with Covered California, and Covered California bears no responsibility for its content. The email address and phone numbers that appear throughout the site belong to Goodacre Insurance Services, and cannot be used to contact Covered California.


    Loya Insurance Mobi #cheapest #life #insurance #quote


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    Get More Info On Companies Like Loya Insurance

    While searching for car insurance, you can find out that Loya insurance company provide a bunch of insurance policies. Everything is designed to offer a variety of insurance for the many requirements that families usually have. The mission of the company is to shield properties, cars, life and health.

    A lot of insurance firms nowadays provide insurance packages to individuals via the internet and might offer discount rates because they’re saving as well by conducting the business online. When using the Internet to obtain insurance policy rates and quotes, the procedure is a lot faster and easier than making phone calls.

    Insurance companies focus on people who are seeking affordable price quotes one at a time. The process can take several days and even weeks and not always ensure you that you get the finest coverage for the very best rate.

    Numerous Insurers Compete With Loya Insurance

    There are many insurance companies competing with fredloyainsurance, but some of them just sell one type of insurance. Some others sell all four basic types of insurance or a minimum or have partnerships in place in order to provide all four levels insurance for policyholders.

    The Companies know that Customers need the right amount of insurance from their primary insurance carrier. An insurance coverage company may offer just life or health insurance, maybe property and casualty coverage.

    Others big companies offer and administer policies throughout all insurance lines. An insurance firm that does only one sort of insurance protection could be more eager to provide price cuts, relying on the type of protection sought.

    However, it may also have arranged with other insurance providers to provide insurance policy plans that agency does not provide, but which could be of use for policyholders.

    Underwriters Similar To Loya Insurance Are Structured In Other Ways

    Whether providing online auto insurance quote or not, some insurance companies are sold publicly through shares; exclusive companies own others.

    (Such as father and mother corporations), and various other are owned by the same people who purchase policies, which would be a shared insurance agency.

    An insurance provider that is prepared as a shared company has extremely high ratings for customer satisfaction since its customers are its owners. A team of either elected or selected executives usually form a council that makes crucial decisions for the insurance company.

    Business That Underwrite Auto And Home Are P C
    People that are looking for auto insurance quotes online, most of the time do not know that the way by using an online insurance calculator. It must be understood that firms providing car, home and liability insurance coverage are property and casualty insurance coverage.

    Insuring homes and cars with Loya insurance company, you can get a rate discount, up to 15 percent or even more will be applied. That help saves a considerable amount of cash. Some insurance companies will underwrite only one type of policy (like car or home insurance), but they, sometimes have a partner business that underwrites various other plans.

    Assurance For Healthcare Has Many Details
    Finding the most affordable health insurance quotes online is easy when people come across this site. There are some providers that do not offer coverage for healthcare; however, the law forces everyone to get health insurance. Although many insurance companies have national reach, and also, some subsidiaries do not supply policy in some states.

    However, if there is a health emergency in one of these states, sometimes the policyholder can not wait to get back their healthcare services. Some health insurance strategies have specifications about when, where and exactly how medical services can be obtained, unless there is a health emergency.

    Online Rate Quotes Are Easy To Obtain
    With a wide range of insurance providers that compete with loya insurance . shopping and comparing rates for different sorts of insurance companies can be extremely rewarding. Using a cost-free online comparison service give you the opportunity to save money. Getting this service makes it a lot simpler for consumers to buy their best plans and still save a lot of cash.

    The comparison sites usually have consumers best interests in mind and have no connection to any certain insurance company. In fact, there is no chance to guarantee with those businesses an answer with the estimates that suit your necessities.

    Also, there are many feedbacks from lots of insurance companies that are wanting to add new insurance policyholders to its company rolls. When consumers can get several online quotes and can compare the policies and premiums, it makes it far easier to obtain the closest possible coverage and save approximately 45 % on their yearly insurance rates.

    Discover more about Loya insurance offering low cost auto insurance policy ratings.

    What usually happens is that each state or region establishes its car insurance rates, in accordance with their particular previous experiences. Various insurance companies include the nearly all unpredictable scenarios that you may encounter without having to raise your premium. Take the time and discover the most effective car insurance for you, based on your earlier experiences as well as your plans!

    Another kind of insurance coverage that you need to include has to do with the unfortunate scenario of getting hit by someone that hasn t got auto insurance. If you have disregarded the idea of getting insurance coverage just before this, you will end up most likely having to pay for your personal medical therapy out of your pocket.

    Naturally, you can sue the uninsured driver to recoup your expenses. However, many months or even years can pass before you get paid. In every case, you should evaluate the most effective protection for your budget.

    The importance of having a liability insurance
    In a few states of USA, you will only need liability, a kind of insurance that will cover any losses caused by you, up to a certain limit, but in some other states you will also be required to have collision insurance coverage. As a leader in the market, Fred loya insurance company, is the one who can offer a good deal on liability auto insurance.

    Even though, personal liability is in somehow comparing with general auto insurance coverage is among the most reliable auto insurance plans that you can choose. In case you are in a car accident, and you are needed to pay for the expenses of medical bills, these types of costs are covered by your insurance provider.

    In some cases, this kind of insurance policy includes the money dedicated to repairs to your automobile. Here you have certainly an additional reason that you need to compare insurance plans provided by many insurance businesses.

    Don’t make the mistake of not having any insurance on your car.

    If you are pulled over for any reason and you are caught without any auto insurance, you car could be towed, and you can get a fine for breaking the law. Your troubles will grow if officers make the decision to terminate your license or revoke it for a particular period.

    We wonder exactly why insurance policy is critical while using a vehicle. Even though, you might tend to believe you can hold off for some time. having insurance is imperative.

    Let s assume you are involved in a car crash, probably caused by you. Your following move is to assure the second driver that you will be paying for the damages caused.

    Nevertheless, sometimes your financial savings will not be adequate to pay for it, and you will not have most of the needed funds to cover for this.

    In moments like these, you would have been definitively happy to show your car insurance, so you should you have one!

    Get more details at Wikipedia about loya insurance quotes


    Long-Term Disability Benefits for Fibromyalgia #long #term #disability #insurance


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    Long-Term Disability Benefits for Fibromyalgia

    Long-term disability (LTD) insurance companies routinely deny or limit claims for long-term disability benefits based on fibromyalgia, a complex illness marked by chronic muscle and joint pain. Because there is no objective test for fibromyalgia and diagnosis is based largely on self-reported symptoms, many insurers specifically exclude fibromyalgia from coverage. Other carriers consider fibromyalgia primarily a mental disorder and will limit payments to 12 or 24 months.

    Read your policy carefully to understand whether and for how long you can receive benefits based on fibromyalgia. The following language limiting eligibility is fairly typical.

    Benefits will be terminated after 24 months for those with disabilities which are based primarily on self-reported symptoms, and disabilities due to alcoholism, drug abuse, or mental illness. Self-reported symptoms include manifestations of your condition that are not able to be verified using tests, procedures, or examinations commonly accepted in the practice of medicine, including headaches, pain, fatigue, soreness, numbness, dizziness, ringing in the ears, and loss of energy.

    Even if your policy doesn’t specifically mention fibromyalgia as being excluded or limited, you should expect to meet substantial resistance if you file for LTD benefits based on fibromyalgia. Here are a few things to remember that could increase your chances of a successful claim.

    Seek Appropriate Medical Treatment

    Insurance companies are well aware that primary care physicians frequently diagnose fibromyalgia as a sort of “catch-all” when they cannot pinpoint the source of an individual’s pain. If you want your insurer to take your fibromyalgia claim seriously, it’s critical that you receive regular treatment from a rheumatologist, not just your family physician. Rheumatologists typically employ several different diagnostic techniques when evaluating a patient for fibromyalgia, including blood tests to rule out other illnesses and trigger point tests to locate areas of pain and tenderness. Generally an individual who reports pain in at least 11 of the 18 trigger points will receive a diagnosis of fibromyalgia. (Also see our article on getting Social Security for fibromyalgia. which discusses criteria used by the American College of Rheumatology (ACR) to determine when a patient has fibromyalgia.)

    In addition to making a more accurate and credible diagnosis, a rheumatologist may be better able to prescribe therapies for your particular symptoms. Although there is no cure for fibromyalgia, it is often possible to control the pain and accompanying fatigue through medication, exercise, and a proper diet.

    Record All Your Symptoms

    In addition to chronic pain, many fibromyalgia sufferers also experience headaches, numbness, swelling, fatigue, IBS, and difficulty sleeping. Fibromyalgia may also adversely affect a person’s mental health, causing cognitive problems (often called “fibro fog”), depression, stress, and anxiety. Keeping a diary of all your symptoms, both mental and physical, will help your physicians diagnose and treat your illness, and may help to persuade your insurer that your condition is legitimate.

    Obtain Opinions From Your Doctors

    The opinion of your treating physician can literally make or break your LTD case, and it’s especially important in cases involving fibromyalgia, chronic fatigue syndrome, and other conditions that don’t lend themselves to objective testing. You or your attorney should ask your physician (preferably your rheumatologist) to identify the extent of your work-related limitations, especially in the following areas:

    • length of time you can sit, stand, and walk
    • amount of weight you can lift and carry, and
    • ability to bend, stoop, balance, crouch, and crawl.

    Also, would you miss days of work or have to take unscheduled breaks during the workday due to pain, fatigue, or other issues? Would you need to recline or lie down during the day? Your doctor should be asked about any limitations that might prevent you from performing the demands of full-time work. It is also be helpful for your rheumatologist to explain what diagnostic testing was performed and why she ultimately believed a fibromyalgia diagnosis was supported by the medical evidence.

    If you’re receiving mental health treatment for depression, also ask your doctor or psychologist for an opinion as to your mental limitations, including your ability to maintain regular attendance, sustain attention and concentration, understand and carry out instructions, and interact with supervisors, co-workers, and the general public.

    Your lawyer should be able to supply a fibromyalgia assessment form for your doctor that encompasses all your possible limitations. Do not rely on the forms used by your insurance company, as they are often designed to elicit responses that could form the basis for a denial.

    Reports from third-parties such as friends, family members, and former colleagues can also help bolster an LTD disability claim, but only if they’re limited to first-hand observations of your condition rather than opinions about your medical issues.

    Pursue Your Claim With the Help of an Experienced Lawyer

    Whether you have an individual LTD policy or an employer-provided group plan, your policy is likely to be complex and riddled with exceptions, exclusions, and limitations. It’s important, especially in notoriously challenging claims involving fibromyalgia, that you have an experienced LTD attorney on your side to help you meet deadlines and pursue your appeals while putting your case in the best possible light. You should be able to set up a free consultation with an LTD lawyer before you hire one.

    Get the compensation you deserve.


    EMC National Life Company #emc #auto #insurance


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    Based in Des Moines, Iowa, EMC National Life Company (EMCNL), an affiliate of EMC Insurance Companies (EMC), offers quality life insurance products for the individual and workplace markets.

    EMCNL sells its products solely through independent insurance agencies in 48 states and the District of Columbia. We believe our partnership with independent agents brings a superior level of personalized service to the insurance process. We demonstrate our commitment to the independent agency system by focusing on Making Life Easy.

    EMC has a network of 21 branch and service offices throughout the country, giving EMCNL the advantage of being close to our customers and the agility to respond to each area’s market needs and business climate. Our expanded Life Sales Representative (LSR) system provides direct property/casualty agent support to all of EMC’s branch offices, which, in turn, allows us to provide localized support and superior service to our customers. In addition, our Regional Sales Director (RSD) system uses select independent agents to manage life-only agents in defined geographic regions and offer sales and administration assistance.

    EMCNL has established itself as a leader in shaping online technology for the life insurance industry. Not only are we at the forefront with online application capabilities, but we also continue to add new online services and enhance existing services for our agents and policyowners. Our innovative technology is helping build momentum by making it easier for our customers to do business with us in almost every way.

    Agent Access offers an easy, secure way for agents to submit online applications, access necessary reports, view underwriting requirements and download commission statements. Through our dedicated policyowner website, policyowners can find quick, convenient and secure answers to their policy questions and access policy information, including benefit amount, fund values, policy effective dates, beneficiary designations and much more.

    EMC National Life Company was formed on July 1, 2003, with the merger of Employers Modern Life Company and National Travelers Life Company.


    Business & Commercial Insurance – Las Vegas NV #insurance, #business #insurance, #commercial


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    Homeowners and Auto Insurance in Las Vegas, NV

    Preventing Las Vegas Residents and Businesses from Gambling with Risk

    Individuals flock to Las Vegas for big risk, big reward adventures. However, when the bright lights fade, the greatest reward resides in protection against financial burdens associated with risk exposure. At Sage Insurance Services, Inc. we specialize in securing individuals and businesses in Las Vegas, and surrounding Nevada communities, with reliable insurance services.

    A Full House of Insurance Coverages

    We don t roll the dice on your protection. Instead, we play the same cards that have held true since our agency s establishment more than two decades ago.

    Our agents work one-on-one with the clients we serve, confirming coverage is personalized to their needs. We ll take the time necessary to not only develop fitting coverage, but also educate clients on the integral components of their policy.

    Once requirements are mapped out, agents route coverage toward an established insurance product. At Sage Insurance Services, Inc. we have a close relationship with Nationwide Insurance, as well as Travelers Insurance and Progressive. For our clients, this translates to personalized service courtesy of a local agent partnered with a product from a nationally-renowned insurance company.

    Protection for the long-term profitability of Nevada companies is instituted within our business insurance program . Our current clientele consists of a variety of specific industries . including restaurants, bars, and churches. We administer insurance for Las Vegas businesses of all sizes and scopes, but for small to-medium sized operations we recommend a business owners policy (BOP) . A typical BOP encompasses essential coverages relevant to businesses of this stature, such as commercial property insurance . general liability coverage . and crime insurance .

    To learn more about the coverages we offer, contact our agency at your convenience.

    What Happens in Vegas, Is Protected by Our Agents

    Ongoing service continues long after the policy purchasing process, as agents consistently monitor coverage and confirm rates remain competitive. If changes arise, we ll work directly with you to make certain these alterations are mirrored in your insurance policy.

    Don t take the gamble on insurance coverage. To begin working with us to secure a policy, feel free to request a quote .

    Additional Resources:


    How To Shop For Car Insurance With a Bad Driving Record #cheap


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    How To Shop For Car Insurance With a Bad Driving Record

    Trying to shop for car insurance can be stressful enough, let alone if your driving record is looking spotty. We ve rounded up information all about it to answer your questions for you—from speeding tickets to DUIs, were giving you the 411 on how to get a decent rate, even if your driving history is currently less-than-decent. First off:

    What goes into car insurance rates anyway?

    • Gender—Women generally pay less than men
    • Age—If you are between the ages of 16-25 you will have some of the highest rates.
    • Where you live—If you live in a traffic-packed area or have a high theft rate your premium will go up.
    • The make of your car—If your make scored highly on safety crash tests you could be rewarded with lower rates.
    • Your credit-based insurance score—Statistics show drivers with better insurance scores are less likely to get into accidents.
    • How you use your car—How you intend to use your car could affect your rates
    • Your prior insurance history—Statistics show drivers who have not had a gap in coverage are less likely to get into an accident.
    • Your driving record—The cleaner your driving record, the lower your premium.

    Now that we know some of the factors that go into the determination of your car insurance rates, let s break down a big question:

    Are you labeled as a high-risk driver when you shop for car insurance?

    Several things can play into whether or not you are labeled as a high-risk driver:
    DMV.org states that there is not an exact definition of a high-risk driver; instead, it s anyone who has a higher potential of filing a claim on his or her car insurance than the average driver. Car insurance companies often see high-risk drivers as undesirable, as they may end up costing them more than they make in the end. There are several reasons why an auto insurance carrier might consider you high-risk. There is no uniform definition as to what exactly a high-risk driver is.” So since there is not an exact definition as to what a high-risk driver is, let’s jump into the reasons that could possibly land someone a risky label:

    DUI/DWI: Driving under the influence or while intoxicated not only has criminal penalties, but also has serious consequences when it comes to your auto insurance. If you receive a DWI and/or a DUI you will be classified as a high risk driver, your insurance rates will skyrocket, you will be required to file an SR-22 and you could possibly be denied car insurance coverage all together.

    Car insurance companies often see high-risk drivers as undesirable.

    Share on Twitter

    Speeding tickets: According to esurance.com, “Speeding is one of the most common moving violations. According to the Insurance Institute for Highway Safety, speeding is a factor in roughly 30 percent of all fatal accidents and speeding-related crashes killed nearly 10,000 people in 2013 alone.” Speeding ticket severities vary: The faster you speed, the worse the penalty, of course. Going up to 20 mph over the speed limit may only get 1-3 points added to your driving record. However, illegal street rating, reckless driving, excessive speeding, driving without a license and any traffic violation that results in a fatality are all reasons for your car insurance company to possibly classify you as a high-risk driver.

    No prior insurance: Driving without insurance is against the law. If you are caught driving without an up-to-date insurance policy you are subject to fines and other penalties. If you do not immediately begin another insurance policy after dropping one you are very likely to be considered a high-risk driver once you do reinstate your prior or new insurance policy.

    If you are a high-risk driver or, have multiple tickets and/or accidents, here is how you can still get a good rate:

    Tickets: Consider taking a driver safety course, also known as a defensive driving course. These classes not only create better driving habits but can also lower your car insurance rates.

    Accidents: Fender-benders and minor car accidents do not always make rates go up. Major accidents are typically the ones that will make your rates rise. Typically, the sub-charge for major accidents (in most states) can follow you around for up to three years, if you avoid another accident in those three years. On the bright side, fender-benders and minor accidents do not always make rates go up. According to esurance.com, “Car insurance rates don t always go up after an accident. Minor accidents and fender benders may not translate to a rate increase — particularly if you have a history of otherwise-safe driving. The same goes for fault. If you weren t at fault in an accident, your premium could stay the same. Some insurance policies also include accident forgiveness, which rewards safe-driving patterns by looking at your driving record on the whole (and not just a recent incident).”

    Minor accidents might not raise your rates.

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    The bottom line is, there are ways to shop for car insurance when your driving record has seen better days, but, at the end of the day, a cleaner record will make for a smoother shopping process. If you are needing to spiffy up your record take some of our tips into consideration and remember to be alert on the road and drive safely.

    Got a question about car insurance? Click to ask a licensed insurance agent your questions


    Virginia SR22 Insurance #virginia #sr22 #insurance, #virginia #fr44, #virginia #sr-22, #virginia #sr


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    Home States Virginia SR22 Insurance

    Virginia SR22 Insurance

    Virginia SR22

    The SR-22 form is used in Virginia to provide the state with up to date status on your proof of liability insurance. This form is added to an auto insurance policy and normally costs $20 to $45 depending on the insurance company you choose.

    When do I need an SR22 in Virginia?

    Depending on the type of conviction you may be required to file an SR22 or FR44 with the Department of Motor Vehicles. Here is a list of convictions that require an SR22 insurance filing:

    • Failure to carry proper insurance
    • Falsifying insurance certification
    • Unsatisfied judgments
    • Voluntary or involuntary manslaughter resulting from operation of a motor vehicle
    • Making false affidavit to DMV regarding vehicle registration or driver’s license application
    • Any felony under motor vehicle law or use of motor vehicle to commit a felony

    Liability insurance limits for SR-22

    The minimum limits of liability that must be provided on your SR22 auto insurance policy are:

    $25,000 Bodily Injury per person
    $50,000 Bodily Injury per occurrence
    $20,000 Property damage

    Virginia now accepts electronic proof of insurance during traffic stops.

    Virginia FR44

    What is the difference between SR22 insurance and FR44 insurance?

    The FR-44 filing became law for those drivers who had the listed violations on or after January 1, 2008 in addition to those drivers needing to file an SR-22 beyond December 31, 2008. Any driver who commits the violations listed below should ask their insurance company to add an FR44 filing to their insurance policy.

    When do I need an FR-44 in Virginia?

    The FR-44 filing is only needed for more serious violations including:

    • Driving under the influence of intoxicants or drugs
    • Driving while license suspended or revoked
    • Maiming while under the influence
    • Violation of any federal law, other state law and/or local ordinance similar to the above listed

    Liability insurance limits for FR-44

    The minimum limits of liability that must be provided on your FR44 auto insurance policy are:

    $50,000 Bodily Injury per person
    $100,000 Bodily Injury per occurrence
    $40,000 Property damage

    Suspended License Reinstatement

    Your license can be suspended for many different reasons including DUI, failure to maintain proper insurance, failure to appear in court, failure to pay child support and leaving the scene of an accident.

    Most of these suspensions will require you to file either an SR-22 or FR-44 with the Department of Motor Vehicles. Since each suspension is different reference your court ordered suspension requirements for details on your suspension.

    Driving Under the Influence (DUI) in Virginia

    The state of Virginia has strict rules regarding driving under the influence of alcohol and/or drugs. For first time offenders the minimum fine is $250 and a one year suspension. If a child under age 17 was in the car during the arrest you will serve a minimum of 5 days in jail in addition to fines $500 to $1000.

    Blood alcohol concentration (BAC) limits in Virginia are as follows:

    • All drivers = BAC .08% or higher
    • Drivers under age 21 = BAC .02% or higher
    • Commercial drivers = BAC .04% or higher

    What if I refuse the road side breathalyzer test?

    If the law enforcement officer suspects you have been driving under the influence of alcohol and/or drugs they will ask you to perform a chemical test of your blood, urine or breathe to determine BAC. You can refuse to take the test but your penalties can be higher than if you just were convicted of a DUI. It is up to the court to determine your suspension period and fines which can add up to similar or greater penalty than a DUI conviction.

    Required to get an Ignition Interlock Device?

    For your first DUI offense with a BAC over .15% you will be required to install an ignition interlock device. This device is installed on each vehicle you operate and the cost is your responsibility.

    Here is a list of approved IID installers in Virginia:

    Smart Start Inc – (800) 880-3394

    Lifesafer Interlock – (888) 301-6906

    Guardian Interlock Systems (888) 526-6384