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3 Things You Must Know About Auto Insurance

Posted by on Jan 27, 2017 in Uncategorized | Comments Off on 3 Things You Must Know About Auto Insurance

Buying auto insurance is a very important part of your safety. You should never drive without auto insurance, but what many people do not understand is that there are lots of different things you can get in your auto insurance. Just because you have auto insurance doesn’t necessarily mean that you are fully covered. Here are some things you should be looking for in your insurance. 1. Liability Coverage Lawsuits happen all the time in auto accidents. This is why it is very important that you make sure that you have plenty of liability coverage. The reason for this is simple. If you were in a car accident, and you caused it, the other party would file a claim against your insurance company for all of their repairs and costs. If the accident was severe, or if the other party sustained lots of medical injuries, they may sue you for additional money. If you have good liability coverage, this will help to pay for the lawsuit and what you are found responsible for. However, what many people don’t realize is that this coverage has different caps. If your insurance caps at a certain amount, and the lawsuit is more than that, you could be held personally responsible for the rest of the money. This is why checking for good liability coverage is essential. 2. A Reasonable Deductible Second, you need to be fully aware of how much you will have to pay out of pocket if you get in an accident. This amount is called the deductible. A deductible can range from a couple hundred dollars to thousands of dollars. You might be thinking you are getting such a great deal on your auto insurance without realizing that the reason your rates are so good is that you are paying a large amount out of pocket if you need to access your policy. Make sure before you purchase any auto insurance that you can handle the deductible. 3. Full-Coverage, Comprehensive Coverage, and Collision Coverage Lastly, you need to be aware of the coverage you are getting. Some insurance providers will offer you something called “full coverage”; this makes people think that they have more coverage than they do. You need to determine what kinds of coverage you have in an accident or in the case that your car is vandalized or stolen. Full coverage may not mean what you think it does. By learning these things and calling a variety of companies such as Horgan Insurance Agency, you can determine what auto-insurance coverage is right for...

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3 Things To Consider When Purchasing A Group Health Plan For Your Small Business

Posted by on Jan 23, 2017 in Uncategorized | Comments Off on 3 Things To Consider When Purchasing A Group Health Plan For Your Small Business

Having access to valid health insurance makes it easier for individuals to seek out the medical attention they need to remain strong and healthy. If you are hoping to attract skilled employees to your small business, then offering access to quality health insurance could be a great way to accomplish this task. Investing in a group health plan for your small business can be a daunting task, but when you take the time to consider these three things before purchasing a policy, you will be able to provide your employees with the quality health insurance they desire. 1. Consider how much you want to pay for health insurance. A group health plan allows you to split the cost of the policy’s premiums between your small business and the employees themselves. In order to determine which plan will best suit your small company’s needs, you need to know how much you can afford to pay each month. Some insurance companies require that employers pay a certain percentage of the policy, while others offer more flexible terms. When you know how much your company can afford to contribute towards employees’ health insurance on a monthly basis, you will be able to identify the group plan that offer the most coverage within your budget. 2. Consider your company’s cash flow and risk tolerance. Many employers fail to take their company’s cash flow and risk tolerance into consideration before purchasing a group health plan. It’s important that you know how much money your company has coming in each month, and it is also important that you recognize your company’s ability to tolerate fluctuating insurance premiums might be minimal. To reduce your risk, you should consider investing in a defined contribution group health plan. These plans allow you to pay a predetermined amount for your company’s portion of the monthly premiums. Knowing exactly how much you will pay each month allows you to use your company’s cash flow as a guide in selecting the best plan for your employees. 3. Consider voluntary benefits. While your company might only be able to afford to contribute towards health insurance, it can be beneficial to have a group plan that offers employees access to voluntary benefits that they can pay for themselves. Some popular voluntary benefits include dental insurance and wellness programs that reward employees for remaining healthy and active. Taking the availability of voluntary benefits into consideration prior to purchasing a group health insurance plan will allow your employees to maximize the benefit your insurance plan provides by customizing their coverage through the addition of voluntary benefits. When you know what you should consider before purchasing group health coverage, you can ensure that your small company’s health plan meet both your needs and the needs of your employees. Contact a group insurance broker to learn...

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Three Things You Need To Know About Auto Insurance

Posted by on Sep 30, 2016 in Uncategorized | Comments Off on Three Things You Need To Know About Auto Insurance

Whether you are new to car insurance or a long-time buyer, there are many things you may not be aware of. In many cases, this ignorance can cost you money. The following are three things you should know about car insurance. Your insurance follows your car What this means is that, regardless of the driver, your insurance is in effect. If you lend your car to a friend, your insurance will remain in place. There is one exception to this. Your policy will not cover anyone who is living with you. This is true regardless of the relationship you have to the individual. So this applies to relatives and friends and it also applies to any roommates you may have. The lesson here is that if you want someone you live with to have access to your vehicle, then you need to have them listed on your policy. Yes, it will add to the price of your insurance, but you will have insurance coverage in the case of an accident. Your may have coverage you’re not aware of Insurance companies often have additional coverage in a policy that you may not know about unless you have read your entire policy. One example is coverage for a rental car. You may already have this coverage, so there is no need to buy it from a rental car company. If you don’t have it, you may be surprised to find that it is cheaper than what you will pay at a rental agency. The same is true with roadside assistance. If you have this from another source, you may have overlapping coverage. Take a look at your policy and call your agent with any questions. You may already be paying for roadside assistance. Insurance companies verify everything You may be thinking that you can save some money on your policy by exaggerating a bit on your application, but insurance companies depend upon the accuracy of your information to determine the premiums that will make them a profit. For this reason, they will verify your information. For example, they will make sure that the distance of your commute from home to work is accurate. Another thing they will verify is any traffic tickets you forgot to write down. If by chance, there is something you neglected to put on your application, this may impact a future claim. Always be honest about everything on your application, and when you have the time, you should read through your current policy. Ask your agent any questions you may have. You may be surprised at the extent of your coverage. Contact a company like AALL Insurance for more...

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Three Tips On Getting Life Insurance If You Have Type 2 Diabetes

Posted by on Sep 30, 2016 in Uncategorized | Comments Off on Three Tips On Getting Life Insurance If You Have Type 2 Diabetes

If you are a type 2 diabetic, you may have been told that you cannot buy life insurance or that if you are able to find a policy, the premiums will be too high. However, it is possible to buy life issuance with type 2 diabetes. The following are three tips to help you obtain an affordable life insurance policy. Get your diabetes under control Diabetes is a serious condition, and people die from it every day. But there is no reason you can’t live a long and healthy life if you can get your type 2 diabetes under control. An insurance company will be looking at your median blood sugar number, also know as A1C. They will also want to know any medication you’re taking. Your weight should be in line for your age, gender, and height. If you smoke, you should quit. Although there is no relationship between smoking and diabetes, smoking is not healthy. When an insurance company sees that you smoke along with being diabetic, you will be seen as a greater risk. Ideally, you want your diabetes to be your only health issue, but if this is not possible, you need to demonstrate you have all of your health issues under control. Get your quotes from an independent insurance agent This type of insurance agent works with several different insurance companies and can save you a lot of time by focusing on the companies that will insure a type 2 diabetic. They will also know what documentation regarding your condition the insurance company will want. Although independent insurance agents get their commissions from the insurance companies, they are working for you and in your interest. And they can make the path easier for a diabetic seeking a life insurance policy. Be truthful on the application Many insurance companies that are willing to sell a life insurance policy to a diabetic may not require a physical; however, there will be an extensive questionnaire. You will need to be honest about every question. Your answers concerning your health, especially how it relates to your diabetes and any other conditions affecting your life span. This also includes lifestyle choices such as smoking. Your premiums will be determined by your answers, even if you supply medical documents. If you were to die and your cause of death is inconsistent with your application, your beneficiary could be denied the life insurance money. As you are aware, there is no cure for type 2 diabetes, but you are also aware that it can be controlled. If you already have it under control, your next step is to find a good insurance agent to help match you with the right life insurance policy. Be truthful on your application, and you will be able to get the affordable policy you need. For more information, consult with companies like United Counties Insurance...

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A Few Of The More Commonly Asked Questions About Worker’s Compensation Cases

Posted by on Sep 16, 2016 in Uncategorized | Comments Off on A Few Of The More Commonly Asked Questions About Worker’s Compensation Cases

Worker’s compensation coverage can be one of the most important protections that you have. A workplace injury has the potential to cause serious financial hardships due to lost wages and medical expenses. However, the law requires most employers to carry this type of coverage for their workers. If you have never given much thought to this important coverage, you might want to learn the answers to a few of the more common questions to help you be prepared in the event you suffer a workplace injury. Is There A Risk Of Your Claim Being Denied? When you file a worker’s compensation claim, you should know that there is no guarantee that your claim will be approved. Ultimately, it will be up to the insurance company to determine whether to initially approve the claim. In the event that your claim is denied, you will need to file an appeal. This appeal will be heard by the local labor board or third party arbiter. To give your claim the best chance of success, you should seek the counsel of an experienced worker’s compensation attorney before filing this appeal. These professionals will be able to help you build an argument that can give your appeal the best possible chance of succeeding. How Expensive Will It Be To Hire A Worker’s Compensation Attorney? Unfortunately, there are some individuals that will not seek the counsel of a worker’s compensation attorney because they are under the impression that these services will be too expensive for them to afford. Luckily, these attorneys work on a contingency fee structure. Under this type of billing arrangement, the attorney is only entitled to compensation for their services if they are successful in obtaining these benefits for their client. Therefore, you can have this type of counsel without having to worry about paying their fee if they are unsuccessful in representing your case. How Can You Pursue Compensation For Injuries When Your Employer Lacks Worker’s Compensation Insurance? Sadly, there are some employers that make the mistake of failing to have worker’s compensation insurance like Kim Farner Insurance. When this is the case, your only recourse for collecting damages may be to file a civil lawsuit against the company. This lawsuit will allow you to claim damages for your medical expenses, lost wages and other damages that you incurred due to your injury. While a lawsuit will take longer to resolve than filing an insurance claim, it can be the only option when the employer was negligent in their duty to carry this type of coverage for their...

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Condo Plumbing And Insurance

Posted by on Aug 30, 2016 in Uncategorized | Comments Off on Condo Plumbing And Insurance

Condo living offers many advantages, but like any home arrangement, it comes with some complications. For instance, your neighbor’s plumbing issues may become your own. The condo’s common areas can also be a problem. In case of a leak that affects more than just your unit, you need to know who is responsible for repairs and damages. Condo Policy When you first buy your condo, you need to do a little research on condo policy. Most such buildings will carry insurance on public areas but expect each condo owner to cover their own unit. This policy works fine until the neighbor’s toilet overflows and damages your ceiling or your tub springs a leak and rots the wall next door. Traditionally, a condo association doesn’t want to referee disputes between unit owners, but they should still be notified of the issue. You will also have to work with your neighbor and your insurance company to determine liability.   Plumber When you find a leak in your unit, your first step is to call your own plumber to find out if the leak is coming from your part of the plumbing. If it is, you will need to have it repaired. Fortunately, many condo policies will cover the damage as long as the problem isn’t due to poor maintenance on your part. Your insurance company will also work with your neighbor’s insurance to determine who pays for what if your leak has affected their space. The reverse is obviously true as well. The real complication comes if the source of the leak is difficult to determine. Conflict If the leak is not coming from your unit, you need to contact the association and report the problem. They will then probably have their own plumber examine the situation. If the leak is coming from faulty plumbing in public areas, the condo board should pay. If another unit is the source, they should pay. If the leak source cannot be determined, you are not responsible for the cost of anything except your own unit’s repair. These situations can get tricky. If you feel you are being unfairly charged, you may need to seek legal counsel. The best thing you can do for everyone involved is to purchase the proper condo insurance. Make certain you know who is responsible for what issues in your unit before trouble arises. If you purchase the right insurance, you and your neighbor’s property will benefit. For more information, contact local professionals like G William Collier...

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Do You Need a Disability Waiver for Your Life Insurance?

Posted by on Aug 10, 2016 in Uncategorized | Comments Off on Do You Need a Disability Waiver for Your Life Insurance?

Getting a life-insurance policy is not as simple as getting a standard policy and not needing to decide on much. There are many factors of your life-insurance policy that must be considered, one of which is the disability waiver. By understanding what it does, you can decide if you should get it for your life-insurance policy. What Does the Disability Waiver Do? When you have a life-insurance policy, you’ll need to pay the policy’s premium in order to keep your insurance. As long as you are healthy when signing up for your life-insurance policy, you will still have life insurance even after you get sick or develop a major health problem. If a new health problem makes you incapable of working to help pay off those premiums, you will not be able to keep your life-insurance policy and will lose your benefits. Getting life insurance again will end up being much more expensive now that you have a major health problem, and this may make life insurance not affordable. A disability waiver will pay your premiums for you if you are disabled with either a permanent or temporary disability. You’ll be able to maintain your current policy without fear of losing it because of a lack of employment. What Are the Differences in Disability Waivers? Not all disability waivers are created equal; different rules are defined by each insurance company. For instance, there may be a waiting period until you are considered disabled by your insurance company, so you might have to continue paying premiums until that status is reached. You may qualify to get retroactive payments for the time you were disabled and making payments, but you would need to keep up with payments until then. Why Do You Need a Disability Waiver? When you are young and healthy, your initial thoughts could be that you do not need to get the disability waiver. Unfortunately, life is full of surprises. While you are perfectly healthy now, a serious injury from an accident could cause you to lose your job. You’ll also need to consider any family health problems before turning down the disability waiver. You could be likely to develop a disease, organ problem, or other kind of health issue later on in your life. While a disability waiver will cost you money, it provides peace of mind in case you cannot pay your life-insurance premiums down the road. Consult companies such as Amberg Insurance Center Inc for information about particular life-insurance...

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3 Reasons To Carry Life Insurance

Posted by on Jul 27, 2016 in Uncategorized | Comments Off on 3 Reasons To Carry Life Insurance

Many people wonder if they should get a life insurance policy. In some instances, you might have a hefty savings account and not think it is necessary to have a life insurance policy. In most cases, however, it is best to have life insurance, even if you have ample savings. Here are some reasons why you should carry life insurance. 1. Your Money Could Get Caught In Probate After you pass away, your estate may have to go through a process called probate. Probate happens when you have a will that needs to be executed. If someone contests your estate it could take a good deal of time for your loved ones to get access to your money. The money you might have set aside to pay for funeral, health care and other expenses is now tied up in a long legal process, leaving your family in a tough situation. Life insurance is paid to the beneficiary upon your death. This means that all of your loved one has to do is show your death certificate and they get the money from the policy. This will make it easier and quicker for your family to get the money they need. 2. Life Insurance Isn’t Taxed When you pass away there is a good chance that your estate will be taxed. It is normal to have many taxes on your property and estate as it is passed to your children. Thus, you might be thinking you are leaving your family a certain amount of money, but in reality, after taxes, they don’t have nearly as much as you would have hoped. With life insurance, you know that your family will be getting the full amount. The government doesn’t tax a life insurance policy, which is why it is the best way to make sure that your family gets the money they need. 3. You Never Know How Much Money Your Family Will Need Even you though might have a hefty savings to pay for a funeral and other expenses, you never know if there will be more expenses than you planned on surrounding your death. For instance, what if you needed a lot of medical care in your final days, if you stayed longer in a rehab or nursing home than you thought you would, and a myriad of other things. It is good to have a life insurance policy to help cover these unforeseen expenses that could eat up your savings. For more information or to set up a life insurance policy, contact an agent at Sunset Insurance...

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Filing A Worker’s Compensation Claim? Watch What You Do

Posted by on Jul 11, 2016 in Uncategorized | Comments Off on Filing A Worker’s Compensation Claim? Watch What You Do

Many worker’s compensation insurance companies hire private investigators to verify if your claim is valid. During the claims process, it is important to take steps to avoid your claim being thrown out.  Know Your Diagnosis The first thing you need to do is make sure that you know what your diagnosis says word for word. Read over the diagnose that the doctor provided you and that you provided your insurance company. Make sure that you read and memorize everything that your doctor advised you not to do. Make sure that your doctor clearly writes out and explains to you what activities you should be avoiding due to your diagnosis. Make sure that you understand exactly what they mean so you don’t void your worker’s compensation claim or further injure yourself. For example, if you are not to lift anything at all, that includes everyday tasks like taking out the trash or carrying in the groceries. If you can’t lift anything at all, enlist your family and friends to help you with those tasks.  Ask your doctor to provide you with examples of everyday activities that you should avoid, so you don’t inadvertently do something that your disability should limit you from doing. Be Careful Outside Of Your House The second thing you need to do is be careful when you are outside of your home. Many insurance companies hire private investigators to verify a claimant’s disability.  If the private investigators capture evidence that you are performing an activity your disability shouldn’t allow you to do, they can throw out your claim. That is why it is so important to know what your exact physical limitations are and to not exceed them.  Be Careful About How You Represent Yourself Online The third thing you need to do is be careful about how you represent yourself online. Many insurance companies nowadays do not only monitor what you do in public, but they also monitor how you represent yourself online. Be careful about posting anything online while going through a worker’s compensation claim process. Even an innocent post of you next to a bed of flowers with the hashtag gardening next it to could put your claim in jeopardy if the insurance company interprets your post to mean that your are up to the physical task of gardening. You may just have been posing next to the flowers, but images can easily be misconstrued online.   Make sure that you know what your medical diagnose says you can and cannot do, and make sure that you follow it exactly as it is written. If you have any questions about things you can or cannot do or post online, discuss these concerns with your worker’s compensation...

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4 Tips For Saving Money On Home Insurance

Posted by on May 24, 2016 in Uncategorized | Comments Off on 4 Tips For Saving Money On Home Insurance

When it comes to being a homeowner, there are many things you will need to do. Of course, you will need to work to ensure your property is well maintained on a routine basis. However, it’s also critical for your financial well-being and peace of mind to obtain home insurance on your property. This can be an expensive cost to you, and it’s ideal to be aware of specific tips that will encourage long-term savings for you on a regular basis. Tip#1: Increase your deductible One of the best things you can do that will immediately lower the price of your insurance is to raise your deductible. This is the amount that you must pay before any claims being paid to you by your insurer. Keep in mind that you will need to have this amount on hand in the event of damage to your property. However, the higher you raise your deductible, the greater your savings will be. Tip#2: Get combined coverage You most likely have an automobile that will need to be insured. Be sure to get your insurance for your cars at the same insurance company to allow for higher savings. Studies indicate that you may be able to save as much as 15% by combining your home and auto coverage needs together. This is sure to be the motivation you need to do so, and you will only need to make one payment monthly for your insurance, as well. Tip #3: Pay your bill annually You may be tempted to opt for the monthly installment plan, but did you know this will end up costing you more in the long-term? Insurance companies will bill you extra each month for choosing this payment option because of the additional paperwork that must be done in the office. It’s possible to save a few dollars each month by simply paying your home insurance bill annually.  Tip #4: Install a security system One of the best ways to protect your investment is by installing a security system in your home. This will additionally reduce the cost of your coverage in the process. Keeping your home insured will allow you to feel confident at all times that you will be protected. Being able to reduce the amount to do so lies in your hands. Be sure to consult with your insurance agent to provide additional ways for you to save money on coverage today. To find out more, speak with a business like Reinhardt’s Insurance...

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