Car Insurance, Insurance Policy

America was built on the right to freedom but there are times when a government has to step in and introduce laws for the safety and protection of its citizens.Car insurance laws are very much an example of this and States have created many laws to provide citizens with liability protection from damages resulting from a car accident.

Health Insurance, Life Insurance

Amid rising health insurance costs and a tough economy, a growing number of consumers and employers are turning to high-deductible health plans (HDHPs), often known as "catastrophic health insurance."These plans feature lower-than-average premiums in exchange for higher-than-average deductibles, and many on the market today are paired with tax-advantaged health savings accounts (HSAs).

Car Insurance, Insurance Costs

Car insurance seems to be an easy enough purchase however do you really understand what you are buying?Believe it or not, most consumers have no idea what PIP means, the car insurance discounts available, still question who is at fault with No Fault Car Insurance and find it hard to separate comprehensive car insurance from collision coverage.

Car Insurance, Insurance Costs

Car insurance premiums can be high so your search for affordable car insurance should always begin by understanding what car insurance discounts are available.There are a number of discounts available and the percentage at which these discounts lower your car insurance premiums vary depending on the car insurance company, your state of residence and the vehicle.

Insurance Premium, Insurance Policy

After the Insurance  Police took the report i had to call a cab to take me to a hotel as i work out of town and did not have a way back to my home to get replacement clothes as all my work clothes were stolen as well as all my work items. I never heard anything from my agent till i called her on Monday morning and i told her i was very disappointed in not only her but State Farm as well she acted really surprised and ask why and i told her no one had called and she said a adjuster was supposed to call me and i told her as of 09:00 three days no one had called.

Car Insurance, Insurance Policy

The Dodge Charger is one of the most popular car models nationwide. Thinking of buying a Dodge Charger and want to compare Dodge Charger insurance rates? Just like shopping for a new car there are a few things you should learn about car insurance companies and how they insure cars like the Dodge Charger.

Insurance Terminology , Insurance Industry

General Liability Insurance (also called Commercial Insurance) helps protect your company or professional practice from claims of bodily injury to a customer or damage to a customer’s property resulting from using your product or service. Many General  Liability policies also cover claims of personal injury such as libel or slander and advertising injury claims of misrepresentation of your products or services.

Cheapest Car Insurance, Van Insurance

Business is bad for everybody and car insurers are competing to retain old customers and attract new ones. At the same time, a lot of people are dropping their car insurance altogether and chancing it (bad idea). But all these forces have combined to create a buyer’s market. Use it to your advantage. Go online (you can do that on this website) and get competitive car insurance quotes.

Car Insurance Claim, Auto Insurance

Vintage automobiles are a car collector’s dream however finding the right car insurance company who offers classic car insurance can be a little less dreamy. As a vintage vehicle owner you need to find a car insurance company who understands the value of your classic car more than the value simply shown on a depreciation schedule.

Car Insurance, Condo Insurance

I had to call out of work to take care of all of this by going to my State Farm insurance agent. I took pictures of everything before I went to them. They took all my  insurance information down, etc. They called their headquarters so they can take my statement, etc. They said to me that they have an Auto Body that works for their insurance claims and that if I went thru them this process would go much faster.

Motorcycle Insurance , Insurance Protection

 Do warmer weather and rising fuel prices have you dreaming of a motorcycle or motorized scooter? Before you buy, check out the cost of the most essential piece of equipment for your two-wheeler: motorcycle insurance. Don’t leave the dealer’s lot or the driveway without it.
Motorcycle insurance works pretty much like auto or car insurance, with some exceptions.

Insurance Law, Insurance Companies

The size of the claim is based in large part on the amount available for settlement, or the policy limit. For example, say you knock down your neighbor's wooden fence, at a cost of $100 to repair. You might reasonably expect your liability insurance to pay your neighbor $100 in settlement. If, however, your liability insurance policy allows for exact replacement valued at up to $1 million,

Homeowner Insurance, Insurance Policy

USAA arbitrarily raised our homeowners deductible from 1% to a whopping 2% for wind & hail damage. The peril which I am most likely to suffer. What I don't understand is that it usually decreases premiums to carry a higher deductible but in this instance they raised both? We called to try to buy-up to 1% but they don't allow it anymore. We are stuck with the 2% even if we were willing to pay additionally for a lower deductible.

Full Coverage of Car Insurance, Auto Insurance

The term full coverage generally means that the insurance policy has both liability coverage and coverage for damage to your vehicle. The term full coverage does not mean that everything is covered no matter what happens.You should carry as much liability coverage as you can comfortably afford because damage  insurance claims today are sometimes settled for millions.

Insurance Companies, Insurace Policy

Underinsured motorist protection pays you for damages that exceed the payment limits carried by a driver who is considered underinsured. UIM will only pay up to the limits of your policy after subtracting the amount paid by the other driver's insurance. This means that the amount listed as your UIM limit is the total amount paid by both insurance companies, not the additional amount your company will pay after the other driver's company pays.

Insurance Law, Insurance Companies

An uninsured driver is someone who did not have any insurance, had insurance that did not meet state-mandated minimum liability requirements, or whose insurance company denied their claim or was not financially able to pay it. A hit-and-run driver also counts as uninsured as it relates to bodily injury (UMBI).An underinsured driver is someone who met minimum legal financial responsibility requirements, but did not have payment limits high enough to cover the damage they caused. In these cases, UM or UIM can pay you for your damages.

The second factor in pricing insurance products is loss history (claims presented against the policy form). This can be a difficult number to compute, since the size of a claim is never truly known until the file is closed. Although insurance companies are pretty good at settling small claims—the costs are generally straightforward, and most parties just want to get on with their lives—closing the file on a large claim can take many years, most of them spent doing the following:

Insurance Law, Insurance Companies

From Washington, DC, the world looks like a very complex place, likely because legislators are enthralled with the delicate balance between special interest groups and their own re-election efforts. They study issues and amass piles of information, but either avoid meaningful analysis or reject it outright.Over three decades in insurance, I have seen complexity: many good companies, a few very bad ones, massive rate increases and reductions, incredible profits, and staggering losses. In the final analysis, however,

Low Cost Term Life Insurance, Insurance Policy

In my years of experience I have noticed that, when most people buy life insurance, the premiums are higher than what they expected when they filled out the application. A lot of people are misled about the cost of Term Life Insurance before they submit an application and go through the underwriting.Most people see the "super preferred" class, which shows the lowest possible price, and fill out the application thinking that is going to be their premium.

Insurance Premium, Insurance Policy

The answer depends on many factors. Compare how much your car is worth versus the cost of collision coverage plus your deductible. You can get an estimate of how much your car is worth from the "blue book" or N.A.D.A. which can be found at book stores and libraries. If you have not transferred the collision risk to an insurance company by buying collision coverage, you are assuming the entire risk yourself.